Economy: december – 2018

December 21, 2018 2 By swedendivin
4 min read

The monthly updates will appear in the end of every month and will be shown in Swedish currency SEK.
There will be a short explanation about some costs and sometimes a picture or two.

 

Economy 2018-12

Economy 2018-12


 

economy 201812-2

economy 201812-2 This is estimate dividends. Because the month is yet not over.


Our Economy Donut for 2018.12 – Expenses
Swedish Crown ( SEK )
Private Insurance 250
Electricity 530
Internet home 250
Car loan 2300
Car insurance 500
Gasoline 0
Food home 4696
Food outside 180
Study loan 2500
Pleasures/ travel / shopping 0
Mobile phone internet 500
Rent 9000
Gym 250
Baby stuff 150
Unexpected 2500

The save percentage is around 52%. ( click here for november economy ) I have transferad around 13000 SEK to reduce my mortage. My mortage is now around 7%. I would like it to be 0%. So this mean I will not buy any stocks this month! The stock market is shining red. And I hope that it still will shine for a longer period. I dont mind if the stock market goes down, Iam happy to buy more quality stocks for cheaper price.  I also payed my last debt to a family member around 5000 SEK.

Iam a little sad for not be able to buy stock this month but I want to pay off my mortage first. Then I will see how the stock market develops. Lets wait and see how stock market in january develops, when the Swedish companies start to present the yearly reports.

There are not much days left and new year will begin. I would say Iam happy with the outcome. Maybe I will writte a post later about the year that has gone for me on the stock market.

The electricity bill is high even thou I have lowered the bathroom floor heating could be that we have a lot of light turned on now in winter when its getting darker earlier.

The unexpected sector of the donut are the big table I bought and christmas presents. We some visitors over the month so food expenses was incresed.

We needed a bigger dinner table. Thats why I bought a nice big IKEA table from a patient I treated. He sold it for 800 kr. A good price because a new in IKEA coast about 3600kr. I usually talk a little with patient before the treatment to make them comfortable. And we talked about tables that I was searching for a big one. And he told me that he has one that he dont use. Win win situation.

As you can se I got my 10 days leave at birth of child, well i was expecting it to be around 10 000 SEK but its still okej, Iam grateful we have this kind of support from the goverment.


48419696 838996933158834 7988418404946018304 n - Economy: december – 2018
48362778 209569029925069 2168932667431583744 n - Economy: december – 2018
48405290 1253656268136260 4415055986050465792 n - Economy: december – 2018
48426506 292253411429633 4387880375053975552 n - Economy: december – 2018


A little more about child allowance in Sweden.

Child allowance in Sweden:
How much money do I get?
If you and the other parent have joint custody, you share the child allowance. You will each receive SEK 625 per month. If you have sole custody of the child, you receive SEK 1,250 per month. Child allowance is tax-exempt.

If you have two or more children for which you are receiving child allowance, you will automatically receive the large family supplement as well.
This is how much you will receive in child allowance and large family supplement

What do I need to do to receive child allowance?
You do not need to apply for child allowance. It is paid out automatically.

The money will arrive no later than the 20th of every month.
The first disbursement will be made in the month after the child is born and is paid out up to and including the quarter that the child turns 16 years old.

What happens to the child allowance when my child turns 16?
When your child turns 16, they will no longer receive child allowance. The month of your child’s birthday determines how long they will receive child allowance.


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Hope to write soon again
Yours Swedendivin

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