Kruk S.A.

17 November will be an excellent opportunity to think over your financial situation and to find the best solution to your debt problem. The home budget calculator available at www.naszedlugi.pl will be a helpful tool.

The National Day Without Debts is a unique opportunity to pull yourself together and make the first step to get out of the debt trap. It is a good idea to take advantage of the symbolic day and make a detailed analysis of your budget, think about all your expenditures and eliminate all unnecessary costs. The debt calculator made available at the www.naszedlugi.pl portal will be a helpful tool. The simulator will show you how to plan your expenditures. It will help determine the monthly amount that people in debt may allocate for the repayment of their debts. If your expenditures exceed your income, a specially prepared guide will help you deal with it. It is worthwhile to remember that everyone get in debt and that it is not a situation without a way out. By prudent spending of your money and reasonable managing of your expenditures you will come up with funds in your budget to pay your past due debts.

"The debt calculator is a very useful tool that enables people to control their finances," said Piotr Krupa, KRUK SA CEO. "With this simple mechanism everyone will be able to check what monthly amount they can allocate towards repayment of their debt and still be able to make other monthly payments. First of all however, this application will make you develop a habit of prudent managing of your budget and of planning your expenditures to suit your financial capabilities", adds Krupa.

The message of the Day Without Debts is very positive - it is an inspiration to stop being passive and to make a move in a very positive direction. The purpose of the campaign is to make all Poles aware of the debt problem and of the consequences of debt both for every one of us and for the national economy.

The Day Without Debts is a part of the Our Debts educational campaign whose content sponsors include national media as well as the most important institutions involved in educating the public about personal finance. This year, the following institutions have declared their interest in the event: Business Centre Club, Conference of Financial Companies in Poland and KRUK SA. Media sponsors are: Bankier.pl, eCommerce.edu.pl and Inwestycje.pl.

Under the Our Debts campaign, assistance in solving the debt problem will be offered for the entire year and free of charge to all persons with debts. At www.naszedlugi.pl all interested people will be able to ask for individual expert advice and to discuss and share their debt experience through the Forum.