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Financial Counseling: Professional Assistance, Services, and Resources
Personal finance tips

Financial Counseling: Professional Assistance, Services, and Resources

Financial counseling provides expert guidance and support in personal financial management, helping individuals and families make better financial decisions. Services range from personal financial advisory…

Kerttu Hämäläinen 21/01/202617/02/2026
Credit Information in Finland: Legislation, Service Providers, Customer Experiences
Credit information

Credit Information in Finland: Legislation, Service Providers, Customer Experiences

Credit information in Finland is strictly regulated by law, which guarantees consumers’ rights and obligations in the processing of credit information. Major service providers, such…

Kerttu Hämäläinen 21/01/202613/02/2026
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 21/01/2026
Velan Consolidation and Financial Education: Learning about Debt Management
Combining the valves

Velan Consolidation and Financial Education: Learning about Debt Management

Debt consolidation is an effective way to manage multiple loans by combining them into a single loan, which can lead to lower monthly payments and…

Kerttu Hämäläinen 21/01/202613/02/2026
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 20/01/2026
The Impact of Credit Scores on Home Loans: What You Need to Know
Credit information

The Impact of Credit Scores on Home Loans: What You Need to Know

Credit scores are a key part of the mortgage process, as they reflect a person’s creditworthiness and ability to pay. Good credit scores can open…

Kerttu Hämäläinen 20/01/202613/02/2026
Calculating Credit Scores: Different Factors and Their Significance
Credit information

Calculating Credit Scores: Different Factors and Their Significance

Calculating credit scores is a key part of financial planning, as it affects loan approval and financing terms. Credit scores are determined by several factors,…

Kerttu Hämäläinen 20/01/2026
Checking Credit Information Before a Loan Application: Why It Is Important
Personal finance tips

Checking Credit Information Before a Loan Application: Why It Is Important

Checking your credit information before applying for a loan is essential, as it affects loan approval and its terms. Good credit information can improve your…

Kerttu Hämäläinen 20/01/202613/02/2026
Costs of Merging Velan: Fees, Interest, Hidden Costs
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 20/01/202613/02/2026
Costs of Merging Velan: Fees, Interest, Hidden Costs
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 19/01/2026

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