Your Old Dutch FOR: Where Is the Pension Money?
An old Dutch FOR is not a funded pension. Check the cash behind the reserve and the tax questions to resolve before closing or changing your business.
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Taxes · Housing · Saving · Investing · Retirement · Business
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Business Solvency: What Your Equity Ratio Really Tells You
Your equity ratio shows how a business is financed. See how losses and borrowing change it, and why a healthy percentage cannot replace a cash forecast.
Living Together in the Netherlands: What Changes for Tax and Benefits?
Sharing an address does not settle every Dutch tax question. Learn how tax partnership, benefits and household finances change when you move in together.
Your Dutch WOZ Value: What It Means and What to Check
Your Dutch home can have a purchase price, a mortgage valuation and a different WOZ value. Here is how to understand the dates, tax effects and appraisal report.
Where Does Your Money Go? Build a Budget You Can Actually Use
A useful budget includes the bills that arrive later, not just this month’s spending. Build a simple plan that fits your income and payment dates.
Starting a Business in the Netherlands: Can You Deduct Earlier Costs?
Your business may cost money before it earns anything. Here is how to assess earlier expenses, VAT and equipment under Dutch tax rules.
Buying a Home in the Netherlands: Which Costs Can You Deduct?
Some Dutch home-buying bills can reduce your income tax. Learn how to separate purchase costs from mortgage costs and keep the right paperwork.
Building Extra Retirement Savings in the Netherlands: How a Lijfrente Works
A Dutch lijfrente can help build retirement income. Understand the tax allowance, withdrawal rules and what changes when your life crosses borders.
Making a Profit but Running Out of Cash? Here Is Why
Your business can make a profit while its bank balance falls. A cash forecast helps you spot the gap before bills become due.
Small Business Bookkeeping: A Simple Routine That Keeps You in Control
A simple bookkeeping routine helps you follow payments, find missing records and understand your business. Here is where to start.
Living in the Netherlands With a Home Abroad: What Should You Declare?
Kept or inherited a home abroad? I explain how it can affect your Dutch tax return and what to check after moving to the Netherlands.
Your First Job and Taxes: Could You Be Due a Refund?
Paid too much tax after a short job? Check your payslip and learn how refunds work in the UK, the US and the Netherlands.
Should You Buy Stocks When the Market Falls?
Falling prices do not tell you whether to buy. Start with the money you can leave invested and the losses you could afford and live with.
The True Cost of Owning a Car Goes Beyond the Monthly Payment
A low monthly payment can hide other car costs. Find out how to count lost value, repairs and loan interest, and leave money for unexpected bills.
How Much Money Should You Actually Keep in an Emergency Fund?
How much savings would cover your bills if work stopped? Build an emergency fund around your income, expenses and the time you need to recover.
Lifestyle Inflation: Why Earning More Doesn’t Always Make You Feel Richer
A pay rise can disappear into small upgrades and bigger monthly bills. Here is how to choose the improvements you value and still save more.