Help with financial planning

The guarantee Foundation

The Guarantee Foundation (takuusaatio.fi) is national social welfare organization and they support people`s efforts to cope financially. Their services are free of charge.

Advice on the Dept Helpline and Ask About Money web chat (takuusaatio.fi) The conversations are confidential, and you can chat anonymously. The advice service is nationwide and free of charge.

Materials on financial and debt counselling

‍Tools dor personal financial management and debt situations from financial and dept counselling (oikeus.fi)

The Martha Association

The Martha Association is a Finnish non-profit organization well-known for its dedication to educating the public in matters of home economics. Read more of Martha Association tips for managing personal finances and a brief guide to personal financial plan (martat.fi).

Help guide

Feeling overwhelmed by money worries? Whatever your circumstances, there are ways to get through these tough economic times, ease stress and anxiety, and regain control of your finances. Coping with financial stress self help page (helpguide.com). 

Budget template

With good planning, you keep your income and expenses in balance, and various budgeting calculators are often a good help for that. Creating a budget can help you track your income and expenses, ensuring you live within your means.

Penno (penno.fi) is a free and easy way to monitor your spending. When you use Penno to enter your income and expenses, you stay up to date on your finances. You can use Penno with a computer, tablet or smart phone with online access.

Ohjaamo - Guidance for various issues for young adults

Ohjaamo (ohjaamot.fi) is an advice and guidance service for young people aged 15-29. Ohjaamo offers a service/assistance with various issues related to your own life, such as studying, finding employment, housing/livelihood and welfare. Ohjaamo will not directly provide you with an apartment or social assistance, for example, but you will get plenty of information and support for applying for these things. The services provided by Ohjaamo and the professionals who work in the centers vary slightly between different locations. The weekly calendar shows when different specialists are present in Ohjaamo. The best way is to visit a One-Stop Guidance Center personally, either during the operating hours of the Center or at an agreed time. You can also contact the Centers by telephone, WhatsApp, text message and e-mail.

• Ohjaamo in Helsinki
• Ohjaamo in Vantaa
• Ohjaamo in Espoo

Financial and debt counselling

Financial and debt counsellors will help you if you are worried about your finances. They will advise you on all kinds of everyday financial issues, such as how to plan your spending and stay on budget. You can contact the financial and debt counselling services even if you are not in debt or only have a small amount of debt. Counselling is provided free of charge. More information and about Financial and debt councelling and contact information (oikeus.fi).

Financial advice clinics

Financial Counselling Clinics (oikeus.fi) are nation-wide, a low-threshold service for discussing everyday financial questions without booking an appointment. You can reflect on your situation, receive advice and go through different options with experts. Counselling is provided free of charge. 

• Helsinki Financial advice clinic to individuals living in Helsinki (hel.fi)
• Espoo Financial clinic (luvn.fi)
• Vantaa Financial clinic (vakehyva.fi) 

Wellbeing services counties provide social support and financial assistance

Social services provide guidance and advice on handling financial problems, social security and benefits.

• Helsinki social support and financial assistance (hel.fi)
• Helsinki Financial Counselling (hel.fi)
• Espoo financial support and social work (luvn.fi)
• Vantaa counselling and adult social work (vakehyva.fi) 

Meals, Cafés & Food Aid in Helsinki Parishes

Waste & Feast restaurants and cafés use excess food
items that are in the risk of becoming waste. We also
employ youth who are finding their place in the workforce.
And you get to have a delicious meal at a low cost -
everybody wins!

Waste & Feast Malmi, Pekanraitti 16

Lunch Mon-Thurs from 11 am to 1 pm. Price €3/6. Buy a Friendship meal (€10), and someone in
need can eat on your treat.
Bread distribution on Thursdays at 11:30 am. If you wish, you can talk to a diaconal worker after
the distribution from 12 noon to 1 pm.

Ruskeasuo Parish Centre Rasti, Tenholantie 6

Waste & Feast Rasti community lunch on Fridays from 11:20 am to 12:30 pm (until May 16th, not
on April 18th and May 2nd).

Töölö Church, Topeliuksenkatu 4

Waste & Feast Café Töölö community lunch on Tuesdays from 12 noon to 1 pm (until May 13th,
not on April 15th and April 22nd).
Lunch price at Ruskeasuo and Töölö: adults €2, under 12-year-olds €1. You can also purchase a
stamp card for 5 meals (€10).

Waste & Feast Malmi, Pekanraitti 16

Lunch Mon-Thurs from 11 am to 1 pm. Price €3/6. Buy a Friendship meal (€10), and someone in
need can eat on your treat.
Bread distribution on Thursdays at 11:30 am. If you wish, you can talk to a diaconal worker after
the distribution from 12 noon to 1 pm.

Ruskeasuo Parish Centre Rasti, Tenholantie 6

Waste & Feast Rasti community lunch on Fridays from 11:20 am to 12:30 pm (until May 16th, not
on April 18th and May 2nd). Lunch price at Ruskeasuo and Töölö: adults €2, under 12-year-olds €1. You can also purchase a
stamp card for 5 meals (€10).