Educational information for families navigating financial challenges

A household budget is a plan that sets out expected income and expenditure over a given period, typically a month. Having a clear budget helps a family understand where money is going, anticipate periods of higher spending, and identify areas where adjustments are possible.

Over-indebtedness often develops gradually. A loan taken to cover an unexpected expense, combined with credit card balances and delayed payments, can create a situation where a household is spending more each month on debt repayment than is sustainable. Early awareness of this pattern is one of the topics covered in our workshops.

The Ingreso Mínimo Vital (IMV) is a state benefit in Spain designed to provide a minimum income floor for households whose resources fall below a certain threshold. Eligibility depends on household composition, income, and assets. Our workshop on social benefits includes general information about how the IMV works. Applications are processed by the Social Security (Seguridad Social) and eligibility must be confirmed directly with them.

Yes. All Solvenerato workshops are free of charge. The project is subsidised by local public entities. There are no registration fees, no materials costs, and no follow-up charges of any kind. Attendance requires no financial commitment whatsoever.

Each workshop is standalone. You do not need to attend all three to participate in any one of them. Some participants find it useful to attend more than one session, but there is no requirement to do so.

Solvenerato provides educational information only. We do not provide financial advice, debt management services, credit intermediation, or any form of regulated financial activity. If you are dealing with active debt problems, we encourage you to contact your local social services, a consumer advice organisation, or a regulated financial counsellor.