Annifrid Huhtala has studied law at Uppsala University for almost four and a half years and is used to moving with small means. She has taken out a full student loan in the meantime and has an extra job alongside her studies.
"Otherwise, it would have been almost impossible to walk around as things stand now," she says.
A little more than a year ago, Annifrid Huhtala began to reflect on economics. Then she had no money saved.
"But after I started thinking about my finances and got to grips with my planning, all of a sudden a space for savings has opened up.
"Saves small amounts – but more often"
Ahead of the new year, Annifrid Huhtala decided on a "financial cleanse" that she documents on Tiktok. To help her, she has designed a savings calendar that she fills in every day.
– I felt that there was a lack of a forum for younger people who want to learn more about the basics of savings and simple personal finance. So I thought "I can film this" and got a great response. There certainly seems to be an audience for such things right now.
But despite the extensive planning, Annifrid Huhtala says that the most important thing is not the sums themselves.
"I was so tired of not knowing where the money went each month, a lunch out here, a coffee there and new clothes for every party. I save mostly to afford things I really want to do. And some like to set aside a large amount every month, for me it works better to save small sums more often.
Today, she saves between SEK 5,000 and 8,000 each month from her income of approximately SEK 18,000.
"It doesn't have to be large sums or the same amount every month. The most important thing is to be aware of their consumption and get into the routine of saving.