During the winter months, the costs for both electricity and heating tend to rise in many households around the country. With the risk of rising costs, it may therefore be necessary to keep an eye on how much you need to have in the account to cover the winter’s possibly unforeseen expenses.
News24 has spoken with the loan broker Anyfin’s economic health expert Felix Sjöholm which emphasizes the importance of having a buffer and how big it should actually be.
– It is important to save up a buffer in order to quickly deal with unforeseen expenses, he explains.
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But the question is how much you should really have access to if it were to happen that an unforeseen expense appears when you least expect it. And how should you think if you are a bit away from your goal?
– The best thing is to try to have two months’ salary saved as a buffer. It is of course a lot of money, so you can initially set a savings goal of a few hundred Swedish kroner per month. A little is better than nothing.
Sjöholm explains that the possibility of how much you can save varies from situation to situation. And even if two monthly salaries sounds like a lot, a good alternative can be to work with interim goals so it feels both easier and closer to reaching the goal, step by step.
– Two monthly salaries may sound like a lot, so start by setting a lower goal, perhaps five to ten thousand. A buffer should be easy to access so you can use it at short notice.
Do you have a partner? That way you can save SEK 10,000 – a month