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Advice when moving to your own place

Finally a home of your own. You can decide what's for dinner, which sofa to get, and what time you come home. But there is a lot you need to know to avoid problems.

Growing up is great in many ways, but with freedom comes responsibility. It will be easier if you are prepared for what you need to know to avoid financial problems.

When you move to your own home

Wherever you go - your own apartment, a room in a collective flat, or student housing - it's important to know what you need to organise:

  1. Get comprehensive household insurance and see if you need more insurance policies.
  2. File a notification of change of residence so that you are registered at your new address.
  3. Pay rent on time. Rent must always be paid in advance.

Keep track of your finances

When you leave home, it's not just rent and comprehensive household insurance that you have to pay. Electricity is usually not included in the rent and is charged separately. Expect to pay for everything from food, toilet paper and rubbish bags to mobile phone subscriptions and dishwashing liquid. The website provides more tips on how to manage your finances:

Make a budget and take control of your finances

Pay rent on time

It is particularly important that you pay your rent on time. Rent must be paid in advance by the last weekday of the previous month. It may be a good idea to pay your rent and other bills by direct debit (the money is automatically deducted from your account on time) to avoid the risk of being late. If you pay your rent late, there is a risk that you could lose your rental contract. Then you may be evicted. This means that you have to move out of your flat. An unpaid debt can also put you at risk of getting a record of non-payment. This can make it difficult to get a new rental contract.

Read more on our website about how to stay debt-free:

Avoid new debts

Getting your own car

A large proportion of the debts young people have with us are related to motor insurance charges. It is important to know that all motor vehicles must have motor insurance. You take out the policy with an insurance company on the day you become the owner of the car. This applies even if you don't use it. If you don't have motor insurance, you will have to pay a charge to the Swedish Motor Insurers for each day the car is uninsured. It will be much more expensive than paying the insurance premium, so make sure you get it right from the start.

You can read more on the Swedish Motor Insurers' website:

Charge for uninsured vehicles