Indebtedness
It can happen at a particular stage in one's life that there's a decrease in income or an increase in expenses (retirement, job loss or reduction, divorce, birth of a child), and at the end of the month, one cannot settle all payments.
Although unpleasant, in these cases, debt in itself does not necessarily constitute a problem, at least until it becomes excessive and is compounded by a lack of financial management and planning. In this case, we speak of over-indebtedness. It is a growing phenomenon that, even in Ticino, involves more and more people from different income brackets and social statuses, and it is not necessarily synonymous with a lack of money.
The Canton, through the program of measures to prevent excessive indebtedness Il franco in tasca, and the City of Lugano, through multiple services, are committed to preventing or at least limiting this phenomenon by promoting various initiatives.
Informative Meetings for the Population
The City of Lugano, in collaboration with Patronato ACLI, Caritas Ticino, and SOS Debiti, periodically organizes free informative sessions with the aim of helping participants acquire practical skills to better manage their personal or family budget.
The courses are specifically aimed at young people, families, and individuals who are approaching or have just reached retirement age.
Brief Tips to Prepare for Life Changes
Proper management of your budget is the most effective method to protect yourself from excessive indebtedness. Through small suggestions, these brochures aim to support you in facing financial challenges.
Download the brochures or request a free paper copy from the Divisione Socialità.
Passo, avanzo, raddoppio: the guide
The Divisione Socialità, in collaboration with the Canton, has prepared a guide for proper budget management to prevent the phenomenon of excessive indebtedness.
Planning daily expenses and informing the population about the risks associated with improper financial management is essential.
The guide Passo, avanzo, raddoppio offers useful suggestions and is an adaptation of the text published in 2016 by the City of Lugano.
It is possible to download the guide in digital format or request the paper version on the website of the cantonal program “Il franco in tasca”.
The English version of this page was created with the aid of automatic translation tools and may contain errors and omissions.
The original version is the page in Italian.