Money and housing

61 guides

• Switch to a cheaper electricity contract
  Compare annual prices correctly and change supplier without interruptions.
• A household budget with AI
  From bank statements to a clear monthly budget in an hour.
• Compare home insurance offers
  The same cover for a lower premium.
• Start saving with small amounts
  A buffer first, then long-term saving.
• Checklist for first-time home buyers
  Savings goal, ASP account, mortgage and offer.
• Finding a rental flat and signing the lease
  Application, deposit and move-in inspection.
• Getting started with fund saving
  Fund saving is an easy way to start investing with small amounts.
• Buying shares for the first time
  Buying shares today is easy through online banking or a broker's service.
• The equity savings account in practice
  With an equity savings account you can buy and sell shares without paying tax on capital gains straight away.
• Choosing an index fund
  An index fund tracks a market index and is usually low-cost and broadly diversified.
• Shopping around for a mortgage
  A mortgage's margin and fees can make a difference of thousands of euros over the life of the loan.
• Debt repayment plan
  A clear repayment plan makes debts manageable.
• Checking your credit information
  Your credit information affects whether you can get a rental flat, a phone contract or a loan.
• Avoiding payday loans
  Payday loans and expensive consumer credit are tempting because they're fast, but they can make your debts grow quickly.
• Shopping around for a phone plan
  Shopping around for a phone plan is a quick way to save money.
• Cutting back on internet and TV services
  Streaming services, home internet and other monthly subscriptions easily pile up.
• Budgeting for gifts
  Gifts and celebrations can catch your budget by surprise.
• Cutting your food costs
  Food is one of the biggest variable expenses for many households.
• Saving for a holiday
  When you save for a holiday in advance, you can enjoy the trip without debt.
• Saving for retirement
  For most people, the statutory earnings-related pension forms the basis of their pension cover.
• Saving for your child
  Saving for your child gives them a financial foundation for adulthood.
• The risks of cryptocurrencies
  Cryptocurrencies can rise and fall quickly, and they don't have the same investor protection as bank accounts.
• Making a will
  With a will, you decide how your property is divided after your death, within the limits of the law.
• Estate inventory
  In an estate inventory (perunkirjoitus), an inventory deed is drawn up listing the deceased's assets, debts and the parties to the estate.
• Reducing your electricity use
  Reducing your electricity use saves you money every month.
• Household tax deduction
  With the household tax deduction, you can deduct part of the cost of work done in your home from your taxes.
• Comparing car loans
  The cost of a car loan can vary a lot between lenders.
• Understanding housing company charges
  Housing company charges cover the company's costs, such as heating, property maintenance and loans.
• Taxation of rental income
  Rental income is taxable capital income.
• Saving at flea markets
  Flea markets are a good way to save on shopping and to make money from things you no longer need.
• Tracking your spending with an app
  Tracking your spending shows where your money really goes.
• Automating your bills
  When bills are paid automatically, you never forget a due date and you save time.
• Switching to e-invoices
  An e-invoice arrives directly in your online bank, so you do not have to type in bills by hand.
• Switching banks
  Switching banks can save on service fees and get you better loan terms.
• Understanding consumer credit
  Consumer credit can be a sensible solution or an expensive mistake.
• Debt counselling
  Financial and debt counselling is free, confidential help with debt problems.
• Shared finances with your partner
  Shared finances work when you talk openly about money and agree on the ground rules together.
• Reviewing your insurance
  It is worth reviewing your insurance regularly so that your cover matches your life situation and you do not pay for nothing.
• Emergency fund
  An emergency fund is a pot of savings for unexpected expenses, such as a broken washing machine or unemployment.
• Setting a savings goal
  A clear savings goal makes saving easy.
• Investment risks
  All investing involves risk.
• Choosing a savings account
  A savings account is a safe place for your buffer and short-term savings.
• How interest rates affect your loan
  The interest rate has a major effect on the total cost of a loan.
• Comparing investment fund fees
  Fund fees reduce your returns every year.
• Tax basics for employees
  As an employee, your taxes are made up of state income tax, municipal tax and contributions.
• Organising household paperwork
  Well-organised paperwork saves time and nerves.
• Inheritance tax
  Inheritance tax is paid on the value of an inheritance.
• Commuting expense and home office deductions
  Learn to claim the commuting expense deduction and the home office deduction correctly in MyTax (OmaVero) and work out whether the deduction is worth it.
• Repaying your student loan
  How to plan your student loan repayment, compare repayment options and check Kela's interest assistance and student loan compensation.
• Applying for a right-of-occupancy home
  Learn to apply for a right-of-occupancy home: queue number, right-of-occupancy payment, monthly charge and comparison with renting and owning.
• Ending a lease and getting your deposit back
  How to give notice on a lease correctly, calculate the notice period, clean for the move-out inspection and get your rental deposit back.
• Selling a home step by step
  Learn how to sell a home: choosing an estate agent, pricing, documents, completing the sale and taxation of the capital gain.
• Preparing for housing company renovations
  Prepare for a pipe or facade renovation in your housing company: read the maintenance needs report, estimate the costs and choose how to finance it.
• Drawing up a renovation budget
  Make a realistic renovation budget: cost estimates, contractor quotes, a buffer, notifying the housing company and the household tax deduction.
• Mortgage repayment holiday
  Find out when a mortgage repayment holiday makes sense, what it costs and how to negotiate one with your bank.
• Responding to a rent increase
  What to do when your rent goes up: check the increase clause, compare with local rents, negotiate and adjust your budget.
• Interest rate hedging for your mortgage
  Learn to compare interest rate hedges for your mortgage: fixed rate, interest rate cap and interest rate collar – price, benefits and risks.
• Running costs of a detached house
  Calculate the real running costs of a detached house: heating, electricity, water, waste, property tax, insurance and a repair reserve.
• Home purchase costs and transfer tax
  Calculate all the costs for a home buyer: transfer tax, loan costs, title registration, mortgages and moving.
• Sharing costs with a flatmate
  How to share rent and housing costs fairly with a flatmate: rental agreement, responsibilities, shared shopping and apps.
• Renting or owning
  Compare the total costs, risks and flexibility of renting and owning, and make a decision based on your own numbers.

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