Your expenses increase, your income does not.
Gas, electricity, groceries, health care costs, everything is getting more expensive. Can you still afford it? Is your salary not going up (enough)? As a self-employed person, see no improvement?
Then it may help to do some more training. If you do not yet know what and where then a development counseling can help you.
The government scheme STAP offers FREE help. Development advice is free for people with at most a completed education at the level of mbo-2. For anyone between 18 and and retirement age.
There are still plenty of spots available in the scheme but that could change soon.
Treat yourself to development advice from an NOLOC certified career coach.
Sign up at email@example.com by mentioning STAP and your first and last name, date of birth and mobile number.