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Budget and debt counselling
Free help to get control of your finances, whether you have debts or want to prevent problems.
Updated:
Quick summary of each heading on the page
Please note that all forms, digital applications (e-services) and some linked websites are currently in Swedish. Contact Citizen Service if you need help in English.
What is budget and debt counselling?
Budget and debt counselling is the municipality’s support service for anyone who wants better control over their personal finances or has debts they cannot manage alone. The service is free of charge and the counsellors are bound by confidentiality.
When and how can you get help?
Opening hours
- 15 May – 15 September: weekdays 08:00–16:00
- 16 September – 14 May: weekdays 08:00–17:00
Book an appointment
You book an appointment through the municipality’s e-service. You can choose to be contacted by the counsellor or book a time yourself.
You can also contact our advisers directly to book an appointment:
Mari Stoltz +46 921-628 28
Anna Nilsson +46 921-629 29
Email: budgetochskuld@boden.se
What kind of help can you get?
Budget counselling
You can get help to:
- Make a budget for income and expenses
- Review and prioritise your costs
- Receive advice to avoid future financial problems
Debt counselling
You can get support to:
- Create an overview of your debts
- Contact creditors
- Discuss solutions to reduce your debt burden
Debt restructuring
If you cannot pay your debts for several years, debt restructuring may be a solution.
- During debt restructuring, you live on a minimum standard of living for up to five years and pay what you can.
- The municipality’s counsellors help you prepare an application.
- The Swedish Enforcement Authority (Kronofogden) decides on debt restructuring.
Why is it good to seek help?
- You receive support early, before the problems grow larger.
- You gain structure and security in your finances.
- Counselling is adapted to your situation – both if you have debts or simply want better order.
Book a Lecture on Personal Finance
Content
The budget and debt advisors in Boden offer lectures and workshops on personal finance.
The purpose is to increase knowledge of everyday finances so you can:
- create better balance in your economy
- strengthen your confidence
- make informed choices
- plan for the long term
Location
Most often, we come to you, for example to a workplace, school, library, or another venue.
We can also host groups in our offices at City Hall.
Online Options
The lectures and workshops can also be held online.
Do you want to access a specific document? Contact Citizen Service, and we will help you retrieve and read the full document.
Contact
Budget and Debt Counselling
E-mail: budgetochskuld@boden.se
Phone: +46 921 620 00