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How to survive in Sweden on a student budget

They say that January in Sweden is the "poorest" month of the year, when everybody is pressed for cash. So how do you get by on a student budget in the best of times and the worst of times?

How to survive in Sweden on a student budget

Maybe you went overboard with Christmas presents. Perhaps you visited home for the holidays. Maybe New Year's Eve was simply too much fun.

For whatever the reason, all reports say that January is a tough month when it comes to cash in Sweden.  So what to do?

Adjusting to life in a new town, meeting new friends and finding your way around both an unknown campus and a confusing curriculum can be bewildering enough, without also having to face the strained economy that student life offers. 

Here's your survival guide to having fun on a tight budget.

Coffee:

Giving up that twice-daily frappa-latte-cino can be a hard blow for any student, but the price tag on lattes from fancy cafés will eat away your student funds quicker than you can say “extra shot of hazelnut, please".

The best solution to this is bringing a thermos flask to class, but as you aren’t likely to remember to do this, there’s luckily another cup of joe that won’t force you to dip into your savings: student cafés exist within twenty metres of most lecture halls in the country, selling coffee for ten kronor or less.

If you don’t happen to be nearby one of these, Pressbyrån and7-Eleven are also happy to provide some of the most economical offerings in town, and usually have cards so that loyal customers can get a coffee free after purchasing several.

Sure, their watery brew may not be the same taste sensation you'll find at high-class city cafés, but it’ll do the trick to keep the caffeine levels in your blood constant, and keep you purring alertly throughout all your most boring lectures.

Partying:

After a rough week spent ploughing through books in the library, you could be excused for wanting to let off some steam and go out for a drink and perhaps a bit of a dance.

Unfortunately, Sweden’s high alcohol prices and expensive cover charges at trendy night clubs may make this a difficult venture.

The obvious solution is to stick to student pubs, of which universities usually have plenty to offer. There’s more than one for every night of the week, selling thirsty students beer at less than half the price of other spots in town.

Besides, visiting your nearest student watering hole is a great way to meet new like-minded friends and fellow students.

Food:

Food is a major cost that is difficult to avoid altogether, but it can be whittled down.

Tried-and-true tips for students with limited resources, energy and kitchen space include classics such as living on a diet of ramen noodles and macaroni, as well as the more inventive suggestion of frying your fish sticks in the toaster.

But if your culinary expectations aim a wee bit higher, don’t despair! There may be cost cuts to be had all the same.

If your kitchen space allows, get your biggest pot out of the cupboard, buy an armload of Tupperware containers, and get to work making lunch boxes to bring to class for the next term or so. Not eating out for lunch will save tons of money.

As for a dinner option that’s both unbeatably cheap and sociable at the same time, try mooching off the aforementioned student pubs, which often offer a free meal some night of the week, if you show up early enough.

For instance, classic Stockholm University hangout Gula Villan provides hungry and weary students with a steaming bowl of veggie soup every Wednesday. Find out what's going on at your school too!

Transport:

A bicycle is a student's best friend – it's true. And you can always sell it when you move again, so it can definitely be worthwhile.

Find a cheap used bike on eBay style website blocket.se, or go to the police’s auctions, where lost bicycles are sold for next to nothing.

If you aren’t staying in the country for long, buying a bike may seem like an unnecessary investment. Another option for students in larger cities is zipping around on a rented bike from City Bikes. For just 250 kronor you can borrow bikes throughout the city as often as you desire, between April and October.

Otherwise, public transportation is a reasonably cheap way to get around town, and usually there are special student prices. See more details about handy resources and transport here.

Books:

Course literature is a never-ending source of frustration for students old and new. The many required books are often hard to come by, as two hundred course mates race to empty the shelves on the first day of class, and always horridly expensive.

However, there are a number of solutions that’ll save you both the chaos and the costs. The key words to remember are organisation and foresight.

Your local library will have a few copies of the required books, but never enough for the whole class, so to avoid the stampede, get in there early.

Insider tip: it’s often possible to reserve books in advance on library websites.

Other cheap reading options are borrowing from friends and photocopying necessary pages, or buying second hand – keep an eye out for a bulletin board near your lecture halls, where former students try to sell their used books for a low price.

Clothing:

Say goodbye to the high street – from now on, buy all your clothes second hand. Vintage shopping is dirt cheap, lots of fun, and has the added advantage of currently being highly fashionable.

Check out examples of Sweden’s second-hand scene at chain stores Stadsmissionen and Myrorna. The chains exist in most large cities, so look up the nearest one near you.

Besides, maybe your new life as a student can involve a slimmed-down wardrobe? You can always try hosting a clothing swap as well – get together with friends and switch clothes so everyone can find something they like!

Now that your new outfit is assembled, gather all items in your closet that you no longer want, and either give them away to charity or sell them for a tidy profit to be spent at the nearest student pub!

Do you have other tips for managing on a tight budget in Sweden? Comment below!

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How to avoid falling victim to tax scams in Sweden

Sweden's tax agency, Skatteverket, warns of an increase in scams when it's time for Swedish tax-payers to declare their taxes.

How to avoid falling victim to tax scams in Sweden

Anyone who earned more than 22,208 kronor last year received their tax returns digitally last week, marking the start of tax season.

That also means an expected peak in tax-related scams, Skatteverket warns.

Most of the scams are so-called phishing scams, meaning attempts to steal the victims’ personal information. Fraudsters may for example email a person, pretending to represent Skatteverket, and ask them for, among other things, their banking details.

“We’re seeing these in all channels. They use fake emails, SMS, letters and in some cases even phone calls. It is particularly common in tax declaration times – just when we’re about to send out the tax returns, the e-service opens and it’s possible to declare – but above all when it’s time for tax rebates,” Jan Janowski, a Skatteverket expert, told Swedish news agency TT.

A scam email might for example state that you’re entitled to a tax rebate and that you should click a link to receive it. Don’t click any links, open any attachments or reply to the message. Skatteverket advises that you immediately delete the email or text message.

Another common scam is that you receive a text message claiming to be from Skatteverket, telling you that you owe them money and you need to log in to calculate the amount. The website you’re urged to log in via does not belong to Skatteverket. Don’t click the link.

The agency stresses that it never asks people for their banking details. The exception is that you may be asked for your bank account information if you log into Skatteverket’s website to declare your taxes, but that always first requires you to log into the site.

To receive your tax rebate, you need to inform Skatteverket of your bank account number. You do this not by clicking a link in an email or SMS, but by logging into their website using a digital ID, for example BankID, and submitting your details. Only do this on your own initiative. If someone calls you and asks you to log in with your BankID during the phone call, don’t do it. That’s another common scam.

Skatteverket will also never call you to ask for your bank account or credit card number.

It will be possible to declare your taxes from March 19th. You’ll receive any tax rebate you’re owed by mid-April or early June, depending on when you submit your tax return. These are the dates when fraudsters are likely to attempt the most scams.

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