We always encourage you to open up to your closest friends or family and share your situation with them. Often, discussing your challenges with someone close to you can help you gain a fresh perspective and explore possible solutions together. They will also be able to better understand and support you in the changes you need to make to change your financial life. The pressure of expectation will be much less.
Nav has a range of resources and information about finances and debt available on their website. Their advisors can give you good advice and guidance on how to deal with debt problems. For more information, you can check out Nav's website https://www.nav.no/okonomi-gjeld. The service is completely free.
Seek reduction of debt owed, by deleting fees/interest. Extending the term of the debt. Get a payment plan both parties can agree on. Where possible, reduce the monthly amount by extending the term of the debt.
Remember, the most important thing is not to give up. By actively searching for alternatives and being open to different solutions, you can increase your chances of finding a way out of your debt problems.
It's hard to face everyday life with financial challenges and worries. We hope that by following the advice above, you can find a way to an easier financial life.
We wish you lots of luck!
