Discover 7 easy ways to spring clean your finances

Anyfin ABMarch 28, 2024

Discover 7 easy ways to spring clean your finances

With spring just around the corner, it's the perfect time to freshen up not only your living space but also your finances. Anyfin’s Financial Health Expert Lena Kamionka shares seven simple yet impactful tips to help you declutter your finances and free some extra money.

Revamp your budget

Take a moment to give your budget some love. Review your monthly income and expenses, ensuring they align with your values and priorities, and adjust your budget accordingly. For example, do you want to spend more time outside? Then lower the budget for video streaming services.

Trim unnecessary expenses

Say goodbye to unused subscriptions and memberships that clutter your finances. Whether it's that forgotten insurance or seldom-used streaming service, canceling unused services can free up extra cash for more meaningful expenses.

Negotiate better terms

Take a proactive approach to saving by renegotiating the terms of your contracts. From internet plans to insurance agreements, exploring alternatives and negotiating better terms can lead to significant long-term savings. When it comes to loans, refinancing with another lender to get better terms can be a good idea.

Make tax returns count

Make the most of your tax returns by directing them towards your financial goals. Whether it's building your savings or paying off debts, strategic allocation of tax refunds can pave the way for a more secure financial future. Extra payments for loans with high interest rates might be one of the best ways to reduce your costs in the future.

Declutter your inbox

Streamline your inbox by unsubscribing from unnecessary newsletters and promotional emails. Minimizing exposure to tempting offers can help curb impulse spending and keep your finances on track.

Create online shopping barriers

Take control of your online spending by removing stored payment details from your favorite online stores. Adding a layer of inconvenience to online purchases can deter impulse buys and promote mindful spending habits.

Buy now, pay now

Avoid surprises by ensuring all online purchases are paid for upfront. Opting for direct payments over buy-now-pay-later options can help you stay accountable to your budget and avoid unnecessary debt and reminder fees.

Lena Kamionka is Financial Health Expert at Anyfin. As a writer, she combines her knowledge of the financial world with a passion for clear and accessible communication. Her focus is on transforming complex financial topics into understandable messages to assist customers with their debt management.


Sweden (English)
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Sweden (English)

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Representative example

A refinancing loan of 5,000 SEK at 17.06% nominal interest rate with a repayment period of 18 months, with 18 installments of 317 SEK, results in a total effective interest rate of 18.46%. The total repayment amount will be 5,702 SEK.

The maximum amount that can be refinanced with Anyfin is 300,000 SEK. The loan term can be as short as 1 month and as long as 120 months, depending on the current term. The nominal interest rate can range from a minimum of 6.48% to a maximum of 19.90%. The effective interest rate can range from a minimum of 6.68% to a maximum of 22.01%.