How much money should make up the buffer savings varies from person to person and from household to household. The everyday economist Magnus Hjelmér works at Ica Banken and resolves these questions in an interview with The evening paper.
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To begin with, the buffer saving should be easily accessible, according to Hjelmér. Placing the money on the stock market can mean that the money decreases in value in the short term, which is not suitable if something unforeseen were to happen, such as the car needs to be repaired or if you lose your job.
– I would choose to have the money placed in a savings account with interest, says Hjelmér to Aftonbladet.
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How much should be in the savings account depends on one’s living situation. For this, Hjelmér has a simple setup:
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