Our work focuses on the following areas:


Financial education for
children and teenagers

A new smartphone, the fashionable bag, sign up for the trendy gym … many temptations that apparently cause happiness.However, the negative consequences in their savings do not take long to be noticed. Many teenagers begin to borrow money from friends or family and then end up in debt.

Among young people, over-indebtedness is due especially to inadequate consumption behavior. In homes and classrooms, the misuse of money remains, unfortunately, quite frequent. This could be avoided.
Knowledge is power, especially about your financial situation. The proper management of the budget itself is a prerequisite and a necessary competence to be self-sufficient.

With our program “I control my budget” we seek to sensitize children and young people to the responsible use of money and make them fit for the beginning in an independent life.

Only in this way can they take care of their savings and the dream of a new smartphone will come true sooner or later – and all without debt.


Financial education
for adults

La educación financiera es de interés público y es importante en todos los hogares, pues es allí donde regularmente se toman decisiones económicas que contribuyen a mejorar nuestra calidad de vida. Para ello se requieren habilidades y conocimientos que desafortunadamente no están incluidos en el canon tradicional de educación.

Las cuentas no financieras de España del primer trimestre de 2016, publicadas por el INE, han encendido las alertas. Se ha quebrado la senda de mejora del saldo financiero que se inició a finales de 2014.

Financial education is of public interest and is important in all households, because that is where economic decisions are regularly made that contribute to improving our quality of life. This requires skills and knowledge that unfortunately are not included in the traditional canon of education.

The non-financial accounts of Spain of the first quarter of 2016, published by the INE, have turned on the alerts. The path of improvement of the financial balance that started at the end of 2014 has been broken.
This is due to the increase in household consumption (mortgages and consumer loans), with the consequent deterioration of savings. The final consumption expenditure of households grew by 2.6% (to 159,411 million). As a result, national savings fell by 5.3% to just 485 million compared to 512 a year ago, which means that now consumption is growing dramatically.

The economic decisions we make now often have significant consequences for the future life. Money management and competent financial services are not only necessary to run a successful business in the private sector, they also have a positive effect on the functioning of markets and social stability.

Having financial experience is a clear advantage, because in all phases of life we ​​make decisions regarding our economy. Therefore, the fundamental objective of economic education is that people are sufficiently qualified to solve their financial issues successfully.


Advice and help for
various specific needs

Indebtedness affects all social strata and is considered by many as a taboo subject.
In general, those affected seek professional help only when their financial situation is at its limit, which often does not help solve their economic problems.

To avoid situations that may escape our control, education and information is important to all citizens.

Fundación Nagel puts at your disposal an online advice channel with specialized professionals. Through the web you can contact our debt counselors who will advise you without compromises.