this is The poorest period and several days left before the salary comes. But there are ways to cope. Privatekonomer tips on köpstopp and pot-luck dinners.
the month of January can be a good opportunity to see their savings. Arkivbild.
– the Month is all about being creative, for example, you can introduce köpstopp and have pot-luck dinners. Then I think that you should avoid the sale, there are a lot more fun things to buy for a month or so later, ” says Ingela Gabrielsson, privatekonom at Nordea.
She proposes also to take a packed lunch to work, and skip fikan out on the town.
Johanna Litter, sparekonom at Avanza bank, says the most important thing is to avoid text loans and consumer loans. These loans can impair the economy in the future considerably with high interest rates.
“Then I want to give you a tip to check out a dusty corner (, is often a richness in the attic that you can sell,” she says.
There is also a lot you can do that don’t cost. Johanna Kull mentions the museum and outdoor exercise as an example.
– There are lots that are free, you just have to be a little creative and get on it, ” she says.
Free activities is also something that Arturo Arques, privatekonom at Swedbank, various tips.
– You can also haggle on the mortgage, it can save many thousands, ” he says.
At the beginning of the year it is according to the economists good to see over the rolling costs and subscriptions. Maybe you can save any of it, which is usually paid each month without any great thought. It is also a good opportunity to put up a good savings plan and budget for the coming year.
– It is good to find where money is leaking, you can make out the holes, you can reduce many expenses, ” says Ingela Gabrielsson.
the Facts: the Experts ‘ best tips
1. Have pot-luck dinners.
2. Bring packed lunch.
3. Sell off things you don’t need.
4. Bargain on the mortgage.
5. Review fixed costs.
6. Plan the purchases.
7. Avoid small costs.
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