Smart borrowing in 2026: how a loan fits into your financial plan – The Happy Financial

As an entrepreneur, you know better than anyone that income can fluctuate. One month things are going great, the next month things are a bit quieter. This makes applying for a personal loan different from when you are employed. Lenders must adhere to the stricter AFM rules and therefore look extra critically at entrepreneurs. However, […]

Bought a house in 2025? Please pay attention to this when checking your provisional assessment – The Happy Financial

Utrecht, December 9, 2025 – In December and January, more than 3.7 million Dutch people will receive the provisional income tax assessment for 2026, including homeowners. In the provisional assessment, the Tax Authorities have estimated how much tax homeowners must pay, or how much money they can get back in 2026. They will already pay […]

Discover the world of recycled technology – The Happy Financial

Welcome to the fascinating world of recycled technology! At a time when sustainability and smart financial choices are becoming increasingly important, repurposing technology is a great way to achieve both goals. Let’s dive together into the benefits and possibilities of repurposed technology, with a special focus on laptops. What is recycled technology? Reused technology, also […]

Have you received a provisional assessment as an entrepreneur? This is what you need to know – The Happy Financial

Utrecht, January 6, 2026 – In January, many entrepreneurs will receive their provisional income tax assessment again. With the provisional assessment you keep control of your finances, because you pay your income tax when you also receive the income. This way you avoid having to pay a large amount at once afterwards. But what exactly […]

Budget 2026: how to draw up a realistic and useful business budget – The Happy Financial

Your budget is your steering instrument for 2026 A budget is not just a list of figures, but an important management tool for your company. Whether you run a small SME company or a growing self-employed practice: a good budget shows where you want to go and helps you understand why something is going differently […]

Tax-free business in 2026: how much profit can you keep without income tax? – The Happy Financial

“Don’t pay taxes” and “tax-free business” are search terms that are frequently used every year. Logical too. As a starting entrepreneur you want to know where you stand, how much you need to reserve and whether it is possible to make a profit from € 30,700 without paying income tax. The short answer: yes, you […]

Why an independent mortgage advisor makes you happy – The Happy Financial

When buying a house, you generally need a mortgage to finance the home. Taking out a mortgage is exciting, complicated and sometimes stressful. You can engage an independent mortgage advisor for this. This person will look at your situation and can give you independent advice. That can offer you some peace and quiet during this […]

10 financial warning signs of cash flow problems

Image source: Shutterstock In the world of personal finance a crisis rarely comes without a formal invitation. Usual, it sends a series of RSVP notes in the form of small, annoying inconveniences that we often ignore. We tell ourselves it’s just a ‘crazy month’ or a ‘one-time expense,‘but often These are symptoms of a deeper, […]

6 Changes in banking rules affecting automatic payments

Image source: Shutterstock Running a household on a fixed income often feels like a high-stakes game of Tetris. You’ve painstakingly matched your Social Security deposits with your utility bills, mortgage and insurance premiums using ‘set it and forget it’ automation. In 2026, however, the plumbing of the American banking system will undergo a major overhaul. […]

RBI’s $10 billion FX swap was oversubscribed three times

The settlement of the first phase of the FX swap will take place on Friday, which will see the RBI inject rupee liquidity into the banking system. | Photo credit: REUTERS/FRANCIS MASCARENHAS The Reserve Bank of India’s three-year buy-sell swap drew strong demand on Tuesday, with bids at the auction just under three times the […]