Personal finance

Personal finance.
It is defined as the management of money and financial decisions for a person or family including budgeting, investments, retirement planning and investments.

I dont call myself a finance guy. I have no education in finance, but I belive that if you plan your expenses and cut the small pennys you can achive greater wealth in the long run. Also I like the motto that “there is no easy money“.
I like to talk to elderly people and especially listen to their stories. I have an good old friend a woman aged around 80. The first time we meet was through my work, where she was one of my patients. Is was the year of 2003. She told me lots of stories about when she worked in the USA in the economy sector and I was eager to hear all about it. This lady was a person who truely introduce me to finance and got me hooked. Time and life have made her very humble when it comes to money. She has witness the stock market downfalls and knows how stressful it can be. When I started to invest, I was in the beginning very eager to earn money. I wanted to buy companies in which I tought would make me become rich fast. But she insisted for me to take another path.  She is an inspirational and talented woman who, even though she is old, has thought me alot and helps me think and see things differently. 
Therefore is divident investing one of my passions and fore that Iam forever greateful.

Personal finance - what is it

“Money will buy you a fine dog, but only love can make it wag its tail” – Richard Friedman

Cost of Living in Sweden.
The cost of living in Sweden is quite high. The capital Stockholm is the most expensive place in the country. The average monthly income in Sweden is around 30,000 SEK. But it is often the case that in Stockholm salaries can be higher than in the rest of the country.

Dentist Family Expenditure per monthCurrency is SEK
Rent9000
Electricity200
Internet200
Car loan 2300
Car insurance400
Gasoline1000
Food home3000
Food outside1000
Study loan2 X 1200
Pleasures / travel / shoppingAround 2 X 4000
Mobile phone /internet2 X 200
Private Insurance60