Lovisa has four daughters, and lives with two of them full-time, in a 38-square-meter flat in Heby. At the same time, she describes her finances as chaos, and that she has lost control completely.
Lovisa had her first child when she was 18 years old. Photo: Lyxfällan/TV3/Viaplay
When Lovisa was 18 and still living at home, she had her first child, and explains that she has prioritized other things instead of paying the bills. A few years later she met Jonasand the couple had a daughter together. But it soon turned out that the daughter My had a serious illness that made her very sensitive to infections.
My was born with a serious illness. Photo: Lyxfällan/TV3/Viaplay
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Lovisa’s life was destroyed when her daughter died
With a sick child, thoughts about the economy are prioritized, and they forgot about hospital bills. At the same time, the couple had a high rent and Jonas became unemployed, which meant that the bills only grew and grew.
Suddenly one day, My, who before that had scratched herself, quickly became ill and had to go to the emergency room. But My’s life could not be saved. It is now three years since My passed away, and Lovisa and Jonas have had another daughter. The couple have today separated, but still have a close relationship.
Lovisa and Jonas have separated today. Photo: Lyxfällan/TV3/Viaplay
Lovisa has no loans, but has been with the Kronofogden since she was 18 years old. Now she needs urgent help, and Magnus Hedberg and Lyxfällan therefore visits her in Heby to sort out the chaos.
– Before I met Jonas when I was 25, I didn’t even know what an OCR number was, explains Lovisa.
Magnus Hedberg helps Lovisa with the finances. Photo: Lyxfällan/TV3/Viaplay
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Lovisa in Lyxfällan goes back 10,700
When Magnus Hedberg pulls out the budget table, it is clear that Lovisa’s finances are anything but good. The Other category consists of casino games, cigarettes, shopping and a lot of Swish payments, something that lands at 10,500 every month. Lovisa also has several Bailiff cases and a bunch of debt collection debts that cost her SEK 8,200 every month. With an average income of 21,500, this means that Lovisa is losing 10,700 kroner every month.
Lovisa withdraws SEK 10,700 every month. Photo: Lyxfällan/TV3/Viaplay Lovisa’s total debt is SEK 260,000. Photo: Lyxfällan/TV3/Viaplay
Lovisa’s total debt is a staggering 261,000, something that really surprises her.
– It was very difficult to see the total debt. It was extremely difficult, because it was so much more than I myself had guessed. How the hell am I going to manage it?, says Lovisa.
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“It feels great to help mom with the finances”
Now Lovisa needs to get money in quickly. The most urgent debt with the Bailiff is 12,600, and is priority one to extinguish. Lovisa manages to rattle together a lot of furniture, toys, tools and technical gadgets. But to get the very last thing together, Lovisa is forced to ask her daughter Michelle if she can imagine letting go of her two guitars, something she agrees to do.
Lovisa and her daughter Michelle. Photo: Lyxfällan/TV3/ViaplayMichelle agrees to sell her guitars. Photo: Lyxfällan/TV3/Viaplay
– It feels great to be able to help my mother with the finances. I’m a little sorry, but it’s still necessary. I’ll also be completely honest that I don’t use the guitars very often, says Michelle.
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Do you want to know how Lovisa is doing? Lyxfällen is broadcast on Tuesdays on TV3 and Viaplay.