You are not alone. And you don’t have to feel ashamed. This page helps you take the first step.

Clarity and dignity for people ready to start over

 

🧭 An overview free of guilt: 

Take a sheet of paper or open a simple table.

• Left column: Income – salary, pension, side job, sales proceeds, etc.
  
  
• Right column: Expenses – rent, food, phone, installment payments, etc.
  
  
• Middle column: What remains – or what is missing?

 

You are free to look without judgment.

🧺 What can be negotiated?

Not everything is fixed. You are allowed to ask.

• Mark all expenses that are non‑negotiable: rent, electricity, insurance, etc.
  
  
• Highlight what is flexible or negotiable: installments, subscriptions, fees, etc.
  
  
• Write down one company, office, or person you could kindly approach.

🧘  First steps with dignity:

 

• Write a calm letter or message to an institution that could support you.
  
  
• Or request a conversation – without guilt, without justification, without demands.
  
  
• Write down one small step you want to take tomorrow.

You might also find yourself asking …

 

• When I feel ashamed
  
  
• How can I explain my circumstances to a child?
  
  
• Sample sentences