The Nationaal Instituut voor Budgetvoorlichting (Nibud) is a non-profit organisation set up during the recession of 1979 to provide consumers with independent advice on managing their household spending. It also compiles statistics about how different social groups spend their money and its calculations about how much people should be allowed to spend on their mortgage are treated by the government as gospel. The annual Nibud pocket money review is dreaded by many parents throughout the country.