It is important that you think properly about your money. Much more expensive than you might think when someone else pays.
– With this book, I want to help you make the right decision about your money. Everything will be much easier and more enjoyable, says Christina Salberg, if you know the best way to handle your money.
She poses with her boyfriend’s outgoing daughter who advises her little sister who is still home with her parents.
“Take the opportunity to eat a lot of this good cheese during your stay with your mom, it is very expensive with cheese.”
A third of all young people in Sweden who are about to move from their home countries lack the necessary knowledge about finances, according to a study by Finansinspektionen, FI. For example, three-quarters of them answered that they did not know how to take out a bank loan, and in a study by Ung Privatekonomi, four in five answered that they would like to learn more of the private economy at school.
‘Don’t borrow to consume’
Christina Salberg believes it’s important to deal with any payment issues right away, and not borrow money for consumption.
When you do not pay a debt, a lot of fees and interest are added to the arrears, which means that the debt is only growing and increasing. A payment note can have far-reaching consequences for you and can make it difficult to get a rented apartment, loan, bank card, cell phone agreement and even certain jobs, she says.
The book contains many tips and advice, which will give you a better future if you learn how to work with your own money. For example, it is important to start saving early. If you started saving when you were young, it could become a very small amount through the effect of interest on interest.
The book’s eleven chapters deal with a variety of issues and provide advice on how to deal with the economy, such as the many pitfalls to avoid. Or, you can get far just by learning how to budget, and how you can do it in practice. The budget also allows you to see if you can change something to get more money for both saving and doing the fun things.
In a class, you’ll learn about how tuition money works and also get information about all available student discounts.
The book also describes how your dwelling works when you move away from home, says Christina Saalberg.
How to get additional income
An entire chapter revolves around your home and contains advice on everything you need to do when moving away from home, such as getting home insurance and signing a lease.
Also tell you what it costs to live alone and what rules apply if you become a homestead, she says.
There are other tips and tricks on how to drastically reduce costs, and about the importance of paying bills on time
How you can earn more money, how you can increase your salary and how you can get additional income is also reviewed. It is not important here to know how you can influence your tax when you advertise.
Another chapter specifically deals with different types of regular loans. It’s mostly about mortgages, but Christina Sahlberg also addresses how student loans, private loans, auto loans, credit cards, consumer loans, SMS loans work, and loans to avoid.
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