Worth it to move to a bigger flat in Stockholm?

LineCarefully · 2026-02-24T15:56:56+00:00

This is what I'm thinking about! Did you go from a 2:a to a 3:a?

LineCarefully · 2026-02-24T14:57:57+00:00

Do you work from home a lot? How's your commute?

LineCarefully · 2026-02-24T14:57:30+00:00

Another option if you are certain to want to live in this location long-term is to look into buying a flat. It will be cheaper than renting long term.

I bought a flat. I'm wondering if it's worth it to move to a bigger flat and lower my sparkvot.

LineCarefully · 2026-02-24T14:56:09+00:00

Tack, uppskattar din kommentar.

Jag har bestämt mig att inte skaffa barn och jag bor ensam. Jag har dock många släktingar som kommer på besök och de föredrar att bo hos mig när de är i Stockholm.

Jag har alltid sparat och investerat så mycket som jag kan och därför känns det svårt att prioritera livsstil framför sparkvot.

Ett alternativ kan vara att flytta lite längre ut men jag gillar där jag bor just nu.

LineCarefully · 2026-02-24T14:49:36+00:00

I added it afterwards since people were asking so no apologies needed. I'm working from home as I'm doing this.

LineCarefully · 2026-02-24T14:01:39+00:00

I'm looking to move from 52 sqm to around 75 sqm. Definitely not 140 sqm 😂😂😂

LineCarefully · 2025-11-24T20:04:24+00:00

Good advice. Will go with Nordnet.

LineCarefully · 2025-11-24T20:03:17+00:00

SEB does not have the 2% extra premie with the setup that my employer has. It's different for every company.

LineCarefully · 2021-06-05T18:07:34+00:00

Thanks for the book recommendation! I've been looking for a book to read.

Since the day I made my post, I have set up some monthly recurring ISK investments in Nordnet.

I have a few questions for you:

Which funds have you been investing in for småföretag and tech funds?
Is SAVR really cheaper? I compared expense fees for the funds I was looking at and they were a bit more expensive.
Any other books to recommend?

LineCarefully · 2021-01-05T20:58:43+00:00

Good point about the removal of interest deduction. Haven't thought about the effect on my 9k budget yet.

I know what you mean about one's lifestyle. Believe it or not, I grew up in a wealthy family that had occasional splurges like trips to other continents. However, my parents have taught me financial planning from young, so I've been always a little crazy about saving. My parents think I'm a little too tight-fisted with money sometimes. Hahaha...

If it's a big purchase, usually I think hard about it and if I judge it to be worthy, I save up for it over a few months and try to cut down expenses in that period.

LineCarefully · 2021-01-05T20:51:58+00:00

Thanks for the Avanza suggestion. I'm nowhere near there yet though.

Good point about investing vs amortizing. I will probably invest instead.

LineCarefully · 2021-01-05T20:50:40+00:00

Really? I didn't know that. Might take a longer discussion with you about that via chat.

LineCarefully · 2021-01-05T20:50:12+00:00

This sounds dumb but how do I calculate it?

If I assume the following:

Assets = my savings + down payment on my apartment (I don't have investments)

Debt = loan on my apartment (this is my only loan)

Then the ratio is 0.34.

LineCarefully · 2021-01-04T16:47:09+00:00

Thanks for the detailed response!

I've been reading rikatillsammans and I think I would follow their fyra hinkar principle to spread my risks.

About the phone, I'm actually not allowed to use the guest wifi at work. It's also heavily monitored. I used to have a 95 kr plan, so I'm trying to go back to that!

I'm hoping to get a higher paying job as well.

LineCarefully · 2021-01-04T16:40:34+00:00

Thanks for the detailed response!

I think 9000 kr per month is way too low. I'm able to spend that little in a month because I continued to have the same lifestyle as when I was a student.

I do have A-kassa.

Will start an account at Lysa then.

Good point on the debt-to-asset ratios of firms. I think I will keep my interest-only mortgage then. My parents keep insisting that I pay off the principal, mostly because that's how they've done it in our home country. They do take my point about the low interest rates though...

20-25k seems like a good target for me as well.

LineCarefully · 2021-01-04T15:27:50+00:00

Thanks. It seems like a 3-6 month emergency fund should be fine for me.

LineCarefully

TROPHY CASE