{"type":"document","data":{"id":"7e6eef38-0217-4392-bb44-a2382c800dc7","localeString":"en-GB","publishDate":"2026-03-19T15:18:57.104+01:00","contentType":"onecms:categoryPage","hasMacro":false,"flexPageMetadata":{"afmBanner":false,"robotInstruction":{"noIndex":false,"noFollow":false},"description":"Some months you spend a bit more, other months a bit less. So how do you stay in control of your money and make smarter choices, both now and in the future? Discover the 4 steps to living a financially healthier life"},"mainHeaderZone":{"componentType":"categoryHeader","coreHeader":{"title":"Your financial health","subtitle":"One month you spend more money than another. How do you stay in control of your finances and make smarter choices for now and for the future? Discover the 4 steps towards a more financially healthy life. Which step is most relevant for you?"}},"flexZone":{"flexComponents":[{"componentType":"sectionTitle","title":"How financially healthy are you?"},{"componentType":"cards","cards":[{"componentType":"productCard","cardType":"product","cardSize":"small","title":"Financial Health Check","intro":"With the Nibud test, you can see how you are doing in just a few minutes and receive practical tips","body":"With the Nibud test, you can see how you are doing in just a few minutes and receive practical tips","image":{"transformBaseUrl":"https://assets.ing.com/transform/e481caa7-c34c-4f0d-af2e-648ad89d2edc/Large_Web-and-Screen-Woman-holds-lemons-in-front-of-eyes-humorously","type":"image","width":1920,"original":"https://assets.ing.com/m/87f84fed493047e/original/Large_Web-and-Screen-Woman-holds-lemons-in-front-of-eyes-humorously.jpg","extension":"jpg"},"link":{"url":"https://financielegezondheidscheck.nibud.nl/"},"promoText":"Do the check"},{"componentType":"productCard","cardType":"product","cardSize":"small","title":"Stay financially healthy","intro":"A conversation with a financial coach helps you gain clarity about your finances for now and for the future","body":"A conversation with a financial coach helps you gain clarity about your finances for now and for the future","image":{"transformBaseUrl":"https://assets.ing.com/transform/11a0a1c9-d26f-483b-92f5-48ccf75ecc63/INS-HEALTH-HEADER-GEN-CAMPAIGN-PAGE-1","type":"image","width":806,"original":"https://assets.ing.com/m/1b5c75e35f97c744/original/INS-HEALTH-HEADER-GEN-CAMPAIGN-PAGE-1.png","extension":"png"},"link":{"url":"/en/personal/financial-health/inzicht-gesprek-landingspagina-open-financieel-gezond"},"promoText":"Plan a free conversation"}]},{"componentType":"sectionTitle","title":"Financial health"},{"componentType":"accordion","accordionList":[{"title":"What is financial health?","richBody":{"value":"<p>If you are financially healthy, your finances are stable and balanced. This means you do not worry about paying your bills, even when things do not go as planned.</p>"}},{"title":"When am I financially healthy?","richBody":{"value":"<p>Is your income higher than your expenses? And do you have some savings to cover unexpected bills? Then you are financially healthy.</p>"}},{"title":"Why is financial health important?","richBody":{"value":"<p>Being financially healthy means less stress and more freedom. You do not have to worry about unexpected expenses or debts, and you can make choices that suit you better. For example, following a course, saving for a great holiday, or perhaps buying a home.</p>"}},{"title":"Where do I start to become more financially healthy?","richBody":{"value":"<p>DIt all starts with having control over your money. Begin by looking at what comes in and what goes out each month. Do you know where your money goes? You may be able to cut back in certain areas or start setting money aside to build a financial buffer for unexpected situations.</p>"}}]},{"componentType":"sectionTitle","title":"Your app helps you get started"},{"componentType":"cards","cards":[{"componentType":"productCard","cardType":"product","cardSize":"small","title":"Insight","intro":"See how much you spend each month on groceries. Compare your expenses and gain insight","body":"See how much you spend each month on groceries. Compare your expenses and gain insight","image":{"transformBaseUrl":"https://assets.ing.com/transform/39fac734-9fad-4395-89b7-2ce4d2614efd/Wallet-Euro-coins","type":"image","width":160,"original":"https://assets.ing.com/m/21eab342170a07b2/original/Wallet-Euro-coins.svg","extension":"svg"},"link":{"url":"/en/personal/digital-banking/your-app/insight/insights"}},{"componentType":"productCard","cardType":"product","cardSize":"small","title":"Look Ahead","intro":"See which payments and deposits are coming up. No more surprises","body":"See which payments and deposits are coming up. No more surprises","image":{"transformBaseUrl":"https://assets.ing.com/transform/368e2688-8de8-442a-a268-b742619e7f0c/Money-calendar-coins","type":"image","width":160,"original":"https://assets.ing.com/m/e6f4e29d58b8378/original/Money-calendar-coins.svg","extension":"svg"},"link":{"url":"/en/personal/digital-banking/your-app/look-ahead/kijk-vooruit"}},{"componentType":"productCard","cardType":"product","cardSize":"small","title":"Monthly Budget","intro":"Know what you can spend after your salary comes in","body":"Know what you can spend after your salary comes in","image":{"transformBaseUrl":"https://assets.ing.com/transform/cce5a3a1-57f2-459d-8de7-5a861a32c8a9/Glass-jar-money-hand","type":"image","width":384,"original":"https://assets.ing.com/m/7ab0062945ab22e5/original/Glass-jar-money-hand.png","extension":"png"},"link":{"url":"/en/personal/digital-banking/app/maandelijks-budget"}},{"componentType":"productCard","cardType":"product","cardSize":"small","title":"Recurring Expenses","intro":"See exactly where your fixed expenses go","body":"See exactly where your fixed expenses go","image":{"transformBaseUrl":"https://assets.ing.com/transform/f36821c0-fdf1-4e0d-9f14-36548e733d04/wallet-2-spot","type":"image","width":1038,"original":"https://assets.ing.com/m/81912e04c38aca9/original/wallet-2-spot.png","extension":"png"},"link":{"url":"/en/personal/digital-banking/your-app/recuring-expenses/terugkerende-uitgaven"}},{"componentType":"productCard","cardType":"product","cardSize":"small","title":"Budgets","intro":"Set limits for how much you want to spend each month","body":"Set limits for how much you want to spend each month","image":{"transformBaseUrl":"https://assets.ing.com/transform/ee1ddc8e-875e-4c7c-b2da-26b68c849c1d/Coin-stacked-1-spot","type":"image","width":160,"original":"https://assets.ing.com/m/3ab7cdd88ffb4bc9/original/Coin-stacked-1-spot.svg","extension":"svg"},"link":{"url":"/en/personal/digital-banking/your-app/budgets/budgets"}},{"componentType":"productCard","cardType":"product","cardSize":"small","title":"Savings Goals","intro":"What are you saving for? Keep an overview and create savings goals","body":"What are you saving for? Keep an overview and create savings goals","image":{"transformBaseUrl":"https://assets.ing.com/transform/c2e51d1a-50ff-4288-81ad-936e0e0428c6/savings-goal-icon","type":"image","width":600,"original":"https://assets.ing.com/m/6a9fba7ad07f37f9/original/savings-goal-icon.jpg","extension":"jpg"},"link":{"url":"/en/personal/savings/savings-goals"}},{"componentType":"productCard","cardType":"product","cardSize":"small","title":"Round up & Save","intro":"With Round Up & Save, you save money automatically while you pay","body":"With Round Up & Save, you save money automatically while you pay","image":{"transformBaseUrl":"https://assets.ing.com/transform/d90daa7b-a712-49c1-b77e-e74f5252f719/Woman-piggy-bank-spot","type":"image","width":346,"original":"https://assets.ing.com/m/7b39a4afe3e8dc52/original/Woman-piggy-bank-spot.JPG","extension":"jpg"},"link":{"url":"/en/personal/savings/round-up-and-save"}},{"componentType":"productCard","cardType":"product","cardSize":"small","title":"Automatic Savings","intro":"With 1 instruction, you can easily set money aside. Your savings grow almost without you noticing","body":"With 1 instruction, you can easily set money aside. Your savings grow almost without you noticing","image":{"transformBaseUrl":"https://assets.ing.com/transform/64751f43-93fa-4d1e-814d-47650c497a0b/2025-05-phishing-en-vakantiegeld","type":"image","width":160,"original":"https://assets.ing.com/m/61dc788db0c73dd6/original/2025-05-phishing-en-vakantiegeld.svg","extension":"svg"},"link":{"url":"/en/personal/savings/automatic-savings"}},{"componentType":"productCard","cardType":"product","cardSize":"small","title":"Savings Lock","intro":"Lock your savings goal and spend less. Unlock it whenever you want you stay in control. Smart saving","body":"Lock your savings goal and spend less. Unlock it whenever you want you stay in control. Smart saving","image":{"transformBaseUrl":"https://assets.ing.com/transform/94261e2b-5ffc-49f7-90e5-de0c63ac1b76/Circle-Closed-lock-4","type":"image","width":64,"original":"https://assets.ing.com/m/2822074537bd462/original/Circle-Closed-lock-4.svg","extension":"svg"},"link":{"url":"/en/personal/savings/savings-lock"}}]},{"componentType":"sectionTitle","title":"Need help?"},{"componentType":"paragraph","richBody":{"value":"<p>Sometimes it is difficult to keep an overview of your finances. It helps to have someone think along with you, for example, to prevent financial stress or payment arrears.</p><ul class=\"check-mark\"><li><a data-type=\"unknown\">Recognising and preventing financial worries</a></li></ul><p>Everyone deserves access to financial support. We believe it is important that our services and products are accessible to as many people as possible, including people with a disability. That is why we have listed all available solutions clearly for you.</p><ul class=\"check-mark\"><li><a data-type=\"internal\" href=\"/en/bank/accessibility\">Tools for your situation</a></li></ul>"},"alignedImage":{"position":"right","transformBaseUrl":"https://assets.ing.com/transform/9528899b-af80-4b66-ac0e-814e774fbfbf/Woman-happy-hands-heart-spot","original":"https://assets.ing.com/m/2ed2342593e50b1f/original/Woman-happy-hands-heart-spot.svg","extension":"svg"}},{"componentType":"sectionTitle","title":"For who"},{"componentType":"cards","cards":[{"componentType":"productCard","cardType":"product","cardSize":"small","title":"Young adults","intro":"What can you do to become and stay financially healthy?","image":{"transformBaseUrl":"https://assets.ing.com/transform/06ad6310-cc6a-4371-9f53-836e36aa8057/Jouw-geld-jouw-keuze-still-videoserie","type":"image","width":3840,"original":"https://assets.ing.com/m/6ea269dd87c28db6/original/Jouw-geld-jouw-keuze-still-videoserie.jpg","extension":"jpg"},"link":{"url":"/particulier/financieel-gezond/jongeren"}}]}]},"freeHeaderZone":{"flexComponents":[{"componentType":"cards","cards":[{"componentType":"productCard","cardType":"product","cardSize":"small","title":"1. Know","intro":"What money comes in every month? And where do you spend it?","image":{"transformBaseUrl":"https://assets.ing.com/transform/d7daa69f-62f8-43c3-b1bd-fa2aa6970e57/Woman-workshop-scene","type":"image","width":0,"original":"https://assets.ing.com/m/575b6862a6e628bf/original/Woman-workshop-scene.svg","extension":"svg"},"link":{"url":"/en/personal/financial-health/know"}},{"componentType":"productCard","cardType":"product","cardSize":"small","title":"2. Save","intro":"Once you understand what happens to your money, you can make smarter choices","image":{"transformBaseUrl":"https://assets.ing.com/transform/9867a633-8a2d-4cc0-b5a6-9475cce6310c/Food-bag-vegetables-spot","type":"image","width":160,"original":"https://assets.ing.com/m/451dc75706bb36a7/original/Food-bag-vegetables-spot.svg","extension":"svg"},"link":{"url":"/en/personal/financial-health/save"}},{"componentType":"productCard","cardType":"product","cardSize":"small","title":"3. Set money aside","intro":"Put money aside for unexpected expenses and save for that one specific goal","image":{"transformBaseUrl":"https://assets.ing.com/transform/0c302146-6917-4f2a-a06f-3355949f469c/Coins-piggy-bank-man-scene","type":"image","width":1200,"original":"https://assets.ing.com/m/74007483a52b623c/original/Coins-piggy-bank-man-scene.svg","extension":"svg"},"link":{"url":"/en/personal/financial-health/set-money-aside"}},{"componentType":"productCard","cardType":"product","cardSize":"small","title":"4. Plan ahead","intro":"Make a plan for the future. How will you stay financially healthy later?","image":{"transformBaseUrl":"https://assets.ing.com/transform/91e01b21-cce7-424c-b6bb-9b964e3c2142/plantinggrowmoneynopadding","type":"image","width":1214,"original":"https://assets.ing.com/m/4eab2ca0b2a03489/original/plantinggrowmoneynopadding.svg","extension":"svg"},"link":{"url":"/en/personal/financial-health/plan-ahead"}}]}]}}}