Select articles and newspieces about personal finance from P.F.C.
Bitcoin is a digital currency that operates on a decentralized network, which means that it is not controlled by any central authority like a government or a bank. Read more about Bitcoin as an investment opportunity and its risks.
The thought of being in debt can be scary when getting a new loan. That’s why it’s important to plan ahead and get a clear picture of how you are going to manage your loan payments. Read more about why you should pay off your loans as fast as you can afford.
Everything you need to know about the electricity support or "Elstöd"
Valentine's day is often depicted as the day to celebrate love. With romantic dinners, flowers and grand gestures. But does it have to be like that? Is that romantic? Of course it is, but we think that there is an even more romantic way of celebrating: getting to know each other for real, talking about money.
Soon it’s time for the yearly tax returns. It’s a simple process but a lot of dates to keep track of, do you know them? We have collected the most important ones here, for those who want to get their money in April.
When it comes to keeping tabs on your finances, a savings goal can be an awesome motivator. Whether you are putting aside money for a specific purchase, a buffer, or something more long term such as down payment or retirement, your goal gives you a clear reason.
As the year comes to an end and we start to look at the next, we make sure to reflect on what’s important, what we’ve done well and what we can do better. The new year is a good opportunity to change things up, set new goals and focus on what’s important.
It can be hard to keep track of the national holidays, we have listed them here.
Sticking to your budget once it’s made is key to reaching your financial goals. What’s the point of making a budget if you can’t use it? A well planned budget can help you set aside some money, reduce your debts and plan for the future.
A little extra money on your account in case something unexpected would happen is the best saving you could have, and it’s the first savings goal you should prioritize. The buffer savings is like your personal finance safety net.
By starting early, talking and practicing money, and minding your own finances your children will have a good start in their own financial journey. Teach healthy money habits and show them that money is nothing to be afraid of, money is fun!
Taking care of your finances can feel like a big task, especially if you’ve never done it before, or if you’re under a lot of financial stress. Don’t give up. It’s never too late to re-take control of your finances and make smart decisions about your future.
This season's Christmas shopping is upon us and you probably have loads of ideas for your loved ones. But what happens if the ideas aren't so good? If you got the wrong size or color. What if you need to return something?
We think that money should be easy to talk about, something you want to talk about. Especially with your partner. The older generations have grown up with money being taboo and it still is. That makes money not only fun but also a potential spark for a fight. We are changing that.
The best saving is the one that gets done, but it’s important that you find a way that works for you. Look at the big picture and be happy for every little bit of progress, however big or small.
No one knows what tomorrow will bring, but we can always make sure to reduce our daily stress and hope that it’s going to turn out well. Reaching these financial goals will make you feel more in control, so you can focus on whats really important.
Those of you who celebrate Christmas together with each others families have probably noticed that it gets a little stuffed under the tree. And a little empty in the wallet when January comes.
Smart is an acronym for: specific, measurable, achievable, realistic and time-bound. Smart goals is a model that's being used and recommended within a range of fields. Whatever you’re planning the project gets a little bit easier if you break it down and reflect on each category.
Daily reports of higher inflation, rising interest rates, falling housing costs, and a shaky crypto market. It’s not surprising to feel a little concerned about the economy. No one can predict the future, but there are things we can do to be one step ahead. Here are our best tips.
You’ve just finished your first month at your new job and soon you’ll receive your hard earned money. You probably already have an idea of how you want to spend it but make sure you leave something to put towards your savings goals.
The highlight of shopping season, Black Friday, is the day after Thanksgiving, celebrated mostly in USA. Black Friday can be seen as the starting point of the Christmas shopping season as many retailers use the day to promote heavily discounted stuff.
The Christmas gift of the year 2022 is: the homemade sweater, a thoughtful inexpensive gift. Read more about Christmas shopping on a budget
Are you one of many that think our consumption have gone overboard? Of course it’s ok to treat yourself once in a while, we believe you should. But make sure you spend on quality instead of quantity
A payment notice is as negative as anything can be, everyone knows that. Kronofogden is something you don’t want anything to do with. Why are we so scared of them and what actually happens if you forget to pay your bills?
Create some space in your budget by being smart with your food purchases. That doesn’t mean that you have to eat boring oatmeal for dinner, on the contrary. Our tips will open new doors to many exciting dishes and joyful hours in the kitchen. Keep reading for our best tips on how to keep the food costs down.
By keeping tabs during black friday you might catch a good deal. Plan, make a list, and compare prices.
Stay one step ahead by planning your trip the right way. By combining spending insights, budget and the travel advantages you'll ensure that your next holiday will be 10/10.
FIRE is an abbreviation of Financial independence retire early. The movement revolves around saving enough to be able to retire early and live off the savings and returns.
Week 44 and the autumn school break is soon upon us, and that means a week full of fun fall activities. We have gathered some tips on how to make the most of it, without having to break the bank.
In a web-survey published by Novus, results show that almost 20% of Swedes are worried about the effects of inflation on their private economy.
The current situation in the world have resulted in energy prices being higher than ever. The costs are extra noticeable as the temperature lowers and we turn up the heat at home. Therefore it's good to keep tabs on your energy consumption to keep the costs down.
The most common pay day in Sweden is on the 25th each month. If the 25th is a weekend or holiday, it pays out the day/days before. We have listed all the pay days in this article.
After two hard pandemic years it finally looks like we will get a smashing summer. Regardless if you’ll spend your vacation at home or if you are traveling abroad, it might pay of to plan ahead. We have gathered our best tips for getting the most out of your money this summer vacation.
The tax refund is money that you get back annually if you have paid too much tax the previous year. The date you are getting the money refunded depends on when you approved your tax return. You’ll find all the important dates to keep track of listed below.
You have been together for awhile, you have fun together, and maybe even live together. You can cook each other's favorite food, watch the same movies and listen to the same music. But how well do you really know each other economically? Research has shown that couples with shared finances fight less about money.
In a newly published study from Stockholm University, the authors Ann-Zofie Duvander and Linda Kridahl, investigated correlations between economic wellbeing and how couples choose to share their economy. The results include that couples with shared finances tend to fight less about money.
In layman's terms a budget is usually the max limit you set for your expenses. A budget is a useful tool for a sustainable private economy for anyone who wants to save more, make ends meet or just keep track of their finances. Above all, it's easy to use and creates certainty when you're in control of your finances.
All couples are different , and so are their finances. Only you and your partner knows what works best for you, but one thing applies to every relationship – communication is key. An important reminder when you are talking about money is of course to respect each other's differences, and to compromise to reach your common goals.
We didn't get a normal summer this year either. Even if the Swe-cation isn't all that bad you might’ve already started planning for a trip during 2022. That's why we’ve put together a little guide to make it easier for you to start saving. Create a travel budget for 2022 and start right away! We’ll take it from the top.