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Our life as a one-income family in Sweden

Sweden has been the best place we could ask to live as a one-income family, writes American Victoria Martínez, who moved to Sweden last year with her Spanish husband and two children.

Our life as a one-income family in Sweden
Photo: Victoria Martínez

Once upon a time, my husband and I owned a large house in the suburbs of the United States. We had a big back garden and three empty bedrooms for our cats and occasional guests. We enjoyed our two good incomes to the fullest with nice meals, holidays abroad, and lots of “stuff”. This is the period I refer to as B.C. – Before Children.

By the time our children came along, we had moved to Spain and given up our traditional careers to pursue our non-traditional professional goals. As if going from a cushy lifestyle in America to living in Spain with a growing family wasn't enough of a change, we agreed that I would set aside my research and writing to devote myself full-time to our children. And like that, the trappings of our double-income, no-kids lifestyle were gone.

Unless one partner earns an amazing salary or money is simply not an issue, living as a one-income family is probably not easy anywhere. In my personal experience, there’s a significant amount of budgeting, economising, improvising, making-do, and personal sacrifice, not to mention periodic nail biting. Undoubtedly, however, it’s more achievable in some countries than in others.

I say without hesitation that it would have been impossible for us to be a one-income family in the United States, where health insurance, healthcare, and even part-time quality childcare are exorbitantly expensive. Had our designated breadwinner remained in his or her well-paid traditional job with its corresponding long hours and minimal free and holiday time, perhaps it would have been possible. But we would have been sacrificing both our personal goals and our desire for as much family time as possible.

READ ALSO: Sweden named best country in the world for expat families


Photo: Victoria Martinez

One of the things we like the most about Sweden is the focus on children and families. This, along with the high quality of life and social progressiveness, was one of the main reasons we preferred to pursue our path here rather than in our home countries, or anywhere else for that matter.

Although Spain is a family-oriented country, we found the split-day, late-ending workday wasn’t ideal for spending time together as a family outside of weekends and holidays. We could technically survive on one income, but the work hours meant the children were usually in bed by the time my husband finished work. We also couldn’t afford the cost of optional childcare, even part-time, had we wished.

As much as we love our native countries, Sweden offers our family the best work-life and financial balance as a one-income family that we have personally experienced. Not that it’s easy, strictly speaking. The usual rules of economy and sacrifice still apply. We also have at least two financial economies that make our life more affordable. First, we don’t live in a city. In fact, we live practically in the middle of nowhere, as we are regularly reminded by anyone who has located us on a map. Second, we have only one car, which is all we need.

Personally, I am still light years away from the possibility of returning to the days of regular professional beauty treatments and a closet full of impractical shoes. My children have more and better of everything than my husband and I have, and that’s perfectly fine right now. We don’t by any means live a glamorous or extravagant lifestyle, and probably border more on the unintentionally shabby chic (and the chic part might be pushing it).

READ MORE: All The Local's articles about family life in Sweden


Photo: Victoria Martinez

On the other hand, our two children are in a wonderful preschool that costs very little and enables me to have half a day every weekday during the school year to resume my professional pursuits. And, since a non-fiction writer and historical researcher like myself – especially one returning to work after several years – is not exactly a high-earner, I feel very fortunate that the cost of childcare for the time I work isn’t putting us in the red.

For me, it’s significant that the State not only recognises that a full-time parent without an income might want or need child-free time, but also makes it possible for them to have it with almost no financial burden attached. Neither the United States nor Spain offer this possibility. As an immigrant with no family or close friends with whom I can leave my children for any length of time, this is especially important and helpful.

Naysayers from across the Atlantic will argue that we pay for these benefits with higher taxes. To this, my argument is simply that even when my husband and I had two incomes and no children in the United States, we paid both moderately-high taxes and a significant amount for health care and insurance.

Ultimately, at the risk of sounding cliché, no place is perfect and each family will have a different set of circumstances. For us, however, living in Sweden has been the best place we could ask to live as a one-income family.


Photo: Victoria Martinez.

Victoria Martínez is an American historical researcher, writer and author of three historical non-fiction books. She lives in Småland county, Sweden, with her Spanish husband and their two children.

Read more from her family column on The Local here

For members

MOVING TO SWEDEN

Reader question: How can I retire to Sweden?

Although Sweden may be a less popular retirement destination than other European countries like Spain or Portugal, there are many pensioners who plan on retiring in the Nordic country. What are the rules for foreigners?

Reader question: How can I retire to Sweden?

Nordic citizens

Perhaps unsurprisingly, it’s easiest for Nordic citizens to retire in Sweden, as they enjoy unrestricted rights to live and work in any of the Nordic countries without the need for any kind of work or residence permits or EU residence documents.

This means that citizens of the Nordic countries can essentially just move to Sweden and register their arrival at the Tax Agency upon their arrival, bringing with them a passport or national ID card, as well as documentation proving their civil status (married, registered partner, single or divorced), and the birth certificate of any children moving with them.

EU citizens

The situation for EU citizens is similar to that of Nordic citizens. 

EU citizens also report their move to the Tax Agency upon arrival in Sweden, and will need to show identity documents (such as a national ID card or passport), provide their full address in Sweden, including four-figure apartment number if applicable, as well as the name of whoever they are living with if they are living in someone else’s home.

They will also need to prove that they have EU right of residence. This can be done in a number of ways, including proof of work or proof of studies, but the relevant path for most retirees is proof of self-sufficiency, which essentially means documenting housing costs, including electricity and home insurance, and showing that you have some means of covering these financially, such as via a bank statement with a high enough balance, confirmation of a pension of a sufficient size, or an employment contract and payslip from another country, if the applicant is not planning on fully retiring straight away.

It’s also possible to prove self-sufficiency by providing a document or letter confirming that someone else can support you financially, along with a bank statement to back this up. There’s no application fee.

EU citizens may also need to provide proof of their civil status, whether they’re moving alone or with someone else.

Non-EU citizens

As a general rule, it’s not possible to retire to Sweden as a non-EU citizen unless your partner is a Swede or an EU citizen, or unless you’re a long-term resident of another EU country (if that applies to you, see below for details of these routes).

This is due to the fact that non-EU citizens need residency permits to live in Sweden, and these are only granted due to work, studies, or moving to live with someone who already has the right to live in Sweden.

If you don’t have a Swedish or EU partner but you have plans to retire to Sweden at some point in the future, you could in theory get a work permit in Sweden and work until you qualify for permanent residency, which usually means working in Sweden for at least five years.

Note that Sweden’s government is planning on reforming the permanent residency rules, so it’s likely that applicants choosing to do this would have to take language and civics tests in order to qualify for permanent residency in the future. 

It is also likely that the residence requirement for permanent residency could be extended or otherwise altered within the next five years, so be prepared that the rules could change in the future if you do decide to go down this route.

What if only one of us is an EU citizen?

If you’re planning to move as a couple but only one of you is an EU citizen, the non-EU citizen should be able to qualify for a residence card as a family member of an EU citizen.

This allows the non-EU family member to live in Sweden as long as their EU citizen partner fulfils EU right of residence rules (by documenting self-sufficiency as explained above, for example). There is no application fee.

In order to get an EU residence card, the non-EU citizen must have a valid passport, be able to show that they belong to the same family as the EU citizen (through, for example, a marriage certificate or proof of cohabitation), and the EU citizen must be able to show that they meet the EU right of residence requirements.

This doesn’t just apply to partners or spouses of EU citizens either – it can be used for children of either parent aged 21 or under, or other family members who are financially dependent on the applicant (including children over 21 and parents, or anyone the applicant takes care of due to serious health reasons).

You may also need to provide proof that you are either covered by the social insurance system in your country of origin, or proof that you have taken out full-coverage private healthcare insurance for your stay in Sweden.

Swedes are not normally considered EU citizens in this context, unless they were recently living with their partner in another EU/EEA country or Switzerland. See below for the rules for couples consisting of a non-EU citizen and a Swede.

What if one of us is a non-EU citizen and the other is a Swede?

The process for non-EU citizens wishing to retire to Sweden with their Swedish partner varies, depending on where the couple lived before retiring.

If the couple lived together in another EU country (this includes the UK if they lived there together before Brexit), they can apply under the route described above for non-EU partners of EU citizens.

If that is not the case, they can apply for a residence permit to move to a spouse or cohabiting partner in Sweden, sometimes referred to as a “sambo visa” (sambo is the Swedish word for a cohabiting partner).

In this case, the Swede must be able to support both themselves and their partner (which in 2023 meant having at least 9,445 kronor left after housing costs are paid each month), and have a house which is big enough – a home of at least one room with a kitchen or kitchenette, for a couple without children. The application fee is 2,000 kronor for an adult.

What about non-EU citizens who previously lived in Sweden?

In some cases, non-EU citizens who have previously held a permanent residence permit in Sweden are eligible for a new residence permit if they can prove sufficient ties to Sweden.

If they have been living abroad for three years or less, they must have lived in Sweden for at least four years in order to be eligible for a new permit. 

Non-EU citizens living outside Sweden for more than three years must usually have lived in Sweden for at least ten years to qualify for a “returning to Sweden” permit, or if they can prove sufficient ties to Sweden in some other way.

The Migration Agency will assess your application to determine how strong your ties are to Sweden compared with your home country or the other country you have been living in since you left Sweden, and factors such as where you chose to have a family or whether your reasons for leaving Sweden were out of your control will be taken into account.

If your permit is granted, your partner or any other family member wishing to come with you will also need to apply for a permit to join you in Sweden, most likely a residence permit to move to a spouse or cohabiting partner in Sweden.

What about non-EU citizens who have long-term residence permits from another EU country?

In some cases, non-EU citizens who have lived in another EU country for at least five years are able to move to Sweden under EU freedom of movement rules.

This particular route applies to holders of the EC/EU residence permit for long term residents. This grants them certain rights similar to the rights of EU citizens, including the right to move to other EU countries to work, study, start a business or live off a pension.

Not all EU countries issue these permits – Denmark and Ireland do not issue long-term resident status cards to their non-EU residents – and they have different names in different countries, but if you have one of these cards you will be able to move to Sweden as long as you also fulfill the self-sufficiency rules for EU citizens. You will need to apply for the card in your country of residence before moving to Sweden.

You cannot, however, register your arrival at the Tax Agency, like EU citizens, and will instead need to apply for a residence permit from the Migration Agency within three months of arrival.

You will need to fill in this form (Application for a residence permit for persons who have long-term resident status in another EU state and their family members, 137011), and either hand it in directly to a Migration Agency permit service unit or post it to the Migration Agency office responsible for EEA and long-term residence permits. The fee costs 1,500 kronor for adults and adult family members, or 750 kronor for children under the age of 18. 

What about Brits?

Brits moving to Sweden after December 31st, 2020 are subject to the same rules as non-EU citizens. This means that they will need to apply for a residence permit or a card proving right of residence as a family member of an EU citizen if they wish to move to Sweden, or will need to hold a EC/EU residence permit from another EU country.

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