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Author: Kerttu Hämäläinen

Kerttu is a financial expert specializing in debt management and credit improvement. She has written several guides that help people better manage their finances and avoid debt crises. Kerttu believes that everyone has the opportunity to achieve financial freedom.
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Consumption Management: Needs vs. Wants, Smart Shopping, Discounts
Personal finance tips

Consumption Management: Needs vs. Wants, Smart Shopping, Discounts

Managing consumption is based on distinguishing between needs and wants, which helps in making sensible financial decisions. Smart purchasing requires planning, which avoids unnecessary expenses…

Kerttu Hämäläinen 29/01/202613/02/2026
Credit information

Improving Credit Scores Through Payment Behavior: Practical Tips

Credit scores are a numerical assessment that describes a person’s creditworthiness and significantly impacts the approval of loan applications. Payment behavior, such as timely payments…

Kerttu Hämäläinen 28/01/202613/02/2026
Combining the valves

Large Consolidation and Financial Well-Being: Long-Term Benefits

Debt consolidation can significantly improve financial well-being by combining multiple loans into one, leading to lower interest costs and easier repayment. This process not only…

Kerttu Hämäläinen 28/01/202613/02/2026
Combined Debt: Monthly Payments, Savings Opportunities, Financial Freedom
Combining the valves

Combined Debt: Monthly Payments, Savings Opportunities, Financial Freedom

Consolidated debt is a financial solution that combines multiple debts into a single monthly payment, making debt management easier. This can lead to lower monthly…

Kerttu Hämäläinen 28/01/202613/02/2026
Saving Strategies: Goals, Methods, Timelines
Personal finance tips

Saving Strategies: Goals, Methods, Timelines

Savings strategies are essential for achieving financial security and future planning. Goals can vary between short-term and long-term, and effective methods such as budgeting and…

Kerttu Hämäläinen 28/01/202613/02/2026
Personal finance tips

Saving Strategies: Goals, Methods, Timelines

Savings strategies are essential for achieving financial security and future planning. Goals can vary between short-term and long-term, and effective methods such as budgeting and…

Kerttu Hämäläinen 28/01/202613/02/2026
Combining the valves

Combined Debt: Monthly Payments, Savings Opportunities, Financial Freedom

Consolidated debt is a financial solution that combines multiple debts into a single monthly payment, making debt management easier. This can lead to lower monthly…

Kerttu Hämäläinen 28/01/202613/02/2026
Large Consolidation and Financial Planning: How Merging Affects the Budget
Combining the valves

Large Consolidation and Financial Planning: How Merging Affects the Budget

Debt consolidation can significantly improve financial planning by combining multiple debts into a single loan, making management and budgeting easier. This process can lead to…

Kerttu Hämäläinen 28/01/2026
Combining the valves

Costs of Merging Velan: Fees, Interest, Hidden Costs

Debt consolidation can bring several costs that vary depending on the lender and the terms. The main costs include consolidation fees, interest rates, and potential…

Kerttu Hämäläinen 27/01/202613/02/2026
Improving Credit Scores Through Payment Behavior: Practical Tips
Credit information

Improving Credit Scores Through Payment Behavior: Practical Tips

Credit scores are a numerical assessment that describes a person's creditworthiness and significantly impacts the approval of loan applications. Payment behavior, such as timely payments…

Kerttu Hämäläinen 27/01/2026

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  • Changing Consumption Habits: Sustainable Development, Responsible Consumption
  • Velan Consolidation and Credit Cards: What You Need to Know
  • Personal Budgeting: Income, Expenses, Savings
  • Credit information: Meaning, Verification, Correction
  • Consolidation services: Expert advice, Customer support, Fast processing
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