The wages you earn by working are your personal property, regardless of whether you are a man or a woman. Everyone over the age of 18 has the right to have his/her own finances, i.e. their own money and a bank account to which they alone have access. Having your finances in order provides financial freedom.

You have the right to control the money you earn. It is also important to be familiar with your own finances and to know how to make a budget. When married, it is still important that both spouses understand the family's finances, in case of divorce or if something happens to one of you. Spouses have a duty to provide for one another and for their children.

Everyone over the age of 18 has the right to sign a contract, e.g. a bank loan or a sales contract. Written contracts are binding. You therefore need to know what you are signing, so that you do not commit yourself to paying for something you cannot actually afford.

A married couple can own the family's property jointly if they, for instance, buy a car or a house. Both husband and wife must read the contract thoroughly and it is important that both parties sign sales contracts.


Where to go for help?

You can get legal aid throughout the country. Legal aid officers can give you legal advice - about finances as well. Legal aid is free of charge, or very cheap, and you do not have to give your name. If you carry out an internet search for 'retshjælp', you will find the one nearest to where you live.


Rights and duties

If you are more than 18 years of age, you have the right to a bank account to which you have sole access.

You need a NemKonto so that your employer, the State or the municipality can transfer money to you.

You have the right to make your own decisions regarding the money you earn.

If you are more than 18 years of age you have the right to sign contracts, such as a bank loan or sales contract.

You have the right and the duty to know what you are signing. This is important, as written agreements are binding once you have signed them. If you do not understand the contract, because of language for example, you must get someone to help you translate and understand the contract.

You and your spouse are under obligation to provide for each other and for your children.   

When you get married, you and your spouse have joint ownership of property. Joint property also consists of everything that each of you own when you get married. It can be a house or a flat, a car, a savings account, a stereo system or a piece of jewellery. Joint property is also everything you acquire while married, i.e. objects, savings, inheritances, winnings or gifts.

Even if you are married and have joint property, as a rule you still control your own things, for exsample:

  • the things you owned when you entered the marriage.
  • the things you have acquired during your marriage.
  • wages or unemployment benefits - however, spouses are under obligation to provide for one other.
  • things you inherit or receive as presents during your marriage.

Normally, joint property only becomes important in the case of divorce or death.


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