Wind31, dreams of living on a farm with horses, dogs, husband and children. But right now Linda wouldn’t even be able to afford diapers. Linda’s biggest hobby is her animals, and they mean everything to her. She herself has had a messed up upbringing, something that has caught up with her now, also on the financial front.
Linda dreams of a stable life with children. Photo: TV3/Viaplay/Lyxfällan
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Linda, 31, from Umeå gets help in Lyxfällan: “A waster”
Four years ago, Linda was in a destructive relationship where she paid basically everything, something she financed with loans. Since then, the financial problems have only escalated. The luxury trap and Magnus Hedberg therefore goes to Umeå to help Linda get back on her feet.
– I have always been a waster. I can’t say that I’ve been fat with saving. My impulse control is zero, says Linda in the program.
Linda’s animals mean everything to her. Photo: TV3/Viaplay/Lyxfällan
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Linda withdraws SEK 6,200 every month
Magnus Hedberg’s budget table shows that Linda spends, among other things, SEK 4,800 on transport every month, in the form of her car and two scooters. Under the other category are pet costs, mobile phone, cigarettes, shopping, dog shows and insurance. This amounts to a staggering SEK 13,200 a month. During the loan, SEK 8,000 is also put on the table, which means that Linda pays back SEK 6,200 every month.
Linda goes back 6 200. Photo: TV3/Viaplay/LyxfällanMagnus Hedberg helps Linda. Photo: TV3/Viaplay/Lyxfällan
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Linda in Lyxfällan cannot afford to pay the dentist
To Magnus Hedberg’s horror, Linda’s most urgent bill is to be paid in two weeks. She will have her teeth fixed for SEK 35,000, which is not covered by any form of insurance. Linda’s proposed solution is to sell one of her scooters, which she bought just weeks before she found out she was going to have her teeth fixed.
Linda bought a scooter for 30,000, although she can’t really afford it. Photo: TV3/Viaplay/Lyxfällan
– When you have loans, unsecured loans and credits, how come you buy a scooter for just over 30 cardboard?, asks Magnus Hedberg.
– An impulse purchase. I couldn’t get my old scooter to start. That same evening I was standing with a new scooter in my hand, Linda answers.
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The Lyxfällan participant spends SEK 13,000 a month on unnecessary stuffLinda’s total debt is just over SEK 300,000. Photo: TV3/Viaplay/LyxfällanMagnus tries to get Linda back on her feet. Photo: TV3/Viaplay/Lyxfällan
Linda currently has debts of approximately SEK 342,000. At the same time, every month she spends SEK 4,950 on her animals, SEK 4,500 on eating out and kiosk purchases, and SEK 3,600 on shopping and entertainment. These expenses total about SEK 13,000 a month.
Do you want to know how Linda is doing? Lyxfällen is broadcast on Tuesdays on TV3 and Viaplay.