Estimates show that at least 20 million people are over-indebted in Europe. According to EU SILC Portugal ranks 2nd, Italy and Spain 6th and Greece 9th for arrears in the household in Europe and, respectively, 1st, 3dt, 4th and 5th in the EU GINI Index. On the other hand, those countries have not yet developed significant strategies and tools for the prevention of over-indebtedness, for ex. all countries have just one organisation (which is a local for Italy) member of the European Consumer Debt Network and neither Spanish or Greek projects about financial education are part of the best practice list of the EU Financial Inclusion Observatory. Eurobarometer findings indicate that people most at risk of over-indebtedness are also the more vulnerable: younger adults, families with children, single adult and people with the lowest incomes have generally been found to have the highest likelihood of financial problems. But there are also other factors that show how the risk of indebtedness is connected with social vulnerability: the problem is in fact related to health status, ethnicity, low schooling. The project strives to adapt methodologies and contents developed by the association NIBUD, an independent Dutch foundation that gives information about household finance, in order to make them usable by partner organisations in their national contexts (Italy, Spain Portugal and Greece). Specifically, the partnership would like to focus on two main tools developed by NIBUD:Basic materials - tools to help consumers to get a grip on their finances: - a basic book about how to keep a short-term budget - a basic book about money matters for small entrepreneurs- an agenda with budgeting tips and a mini house keeping accountTeaching material and methods dedicated to specific targets: migrants, households, people willing to start a micro-business. The impacts envisaged are: awareness rising in the target countries; improvement of basic financial skills for target users; availability of tools for trainers and social workers involved in financial education for vulnerable adults in target countries. Direct beneficiaries of the project will be at least 250 end-users of adapted tools and 30 trainers / social workers in each country. Intermediate beneficiaries (involved in dissemination and exploitation activities) will be at least 100 in each country.