How To Save Money in Finland - 10 Practical Ways to Have More Money!

[@AleksiHimself]

Hey Finntastics! If you want to see how much I spend per month, check out this video: kzbin.info/www/bejne/aavPcp1vnsiefNk

[@jaananousiainen8430]

Kiitos hienoista infosta lähetän näitä sinun videoita kihlatulle Peruun koska hän tulossa Suomeen ja hän tykkää näistä tiedoista ❤🌼🌻👋

[@Dimensas]

When you talking about the Helsinki it looks for me that is a completely different world. Because I'm living in Saariselkä. And the closest proper market is at Ivalo (40km away). And without the car is just not possible...oh yeah, by bus it could took forever :) Great video! Kiitos!

[@AleksiHimself]

Thanks for the comment. I completely understand that in areas like those a car is necessary.

[@winifredclarke1977]

Hi Aleksi Thanks for your video guides very useful. We planning moving from the UK. Can I ask you please, about the car subject ? We driving here a 100% electric, because the government give us 3k from the price, the parking it's free, because you charging so we just pay very little for it. We been about 5 years ago in 🇳🇴 and see, them huge in the electric cars. How about Finland? Looking forward to your response. Thanks

[@ArvalVampire]

I survived last year on Helsinki thanks to the Smarkets with their discounts in meat and salads at the end of the day

[@AleksiHimself]

Another great tip! Thanks again!

[@leonf.7893]

Is there that saving where if you go after 8pm, the 30% discount becomes 60%? It is at least in Oulu. The real pros fill up their trollies 30 minutes before and then "hang around" until 8.

[@ArvalVampire]

Yes, the same :)

[@ArvalVampire]

@Silver Platina oh, thank you ❤️❤️

[@sithandekiledhliwayo3176]

​@leonf.7893 I know it's 2023 but Is this still ongoing? I recall it gained momentum for a while especially in Prisma but l don't know if it still applies. Too bad smarkets don't have much discounts on meats

[@fatihyildirim4802]

We'd like to move to Finland /Tampere due to Russian aggression in our country. Actually we didn't live there but all of or business was to Ukraine (wife and 2 children are citizens of Ukraine). Luckily your government gives us that opportunity. However I have a first day phobia. If we get there how we first bring some furniture (especially bed for children) to rented apartment if we choose fleamarkets.? I keep silence about job problem I can dell with this problem after settling down :) Thank you Alexi for your useful video. I've been following you for years 😊

[@rudinacacaa]

I have visited Finland last month and I am amased. I loved the quiteness, the nature, the culture and the people. I felt at home 😊. And about the prices... it wasn't expensive at all comparing to Albania 🤷‍♀️. Here, our salary are low and the prices are expensive 🤯

[@AleksiHimself]

Great to hear!

[@EmmaAmandaMilli]

Use lidl,eat less,walk more,drink on celebrations only,stop smoking,buy second hand the list goes on for myself :D

[@AleksiHimself]

Good list! Smoking is really bad actually cos the price is super high.

[@lgfrades]

Kiitos, Aleksi for another great video! Looking forward to your next collaboration! 💖🇫🇮👍

[@AleksiHimself]

Thanks for the comment bebina!

[@Akuispro]

Kiitos means thanks

[@sithandekiledhliwayo3176]

You are right about the supermarket shopping. I never noticed before but smaller markets are more expensive. I benefit from having the points cards like Plussa. In k supermarket/market some prices are less for people with those plussa cards but an ordinary shopper pays full price.

[@HeraldOD]

Super useful tips, thanks for this! Lidl really is a lifesaver :D

[@AleksiHimself]

Thanks for the comment Eric Cloyd!

[@joetigo2928]

The lunch buffets are too good to cut 😍. Nice tips , I've got to learn how save and invest though.

[@TaigaTomodachi]

Good video. Altho many things shocked me. Life in bigger city compared to smaller places seems really different. I used to rent a big two-storey house near Tampere where the rent was under 600€ for the whole house. Now I live right in the middle of Finland and there are no public transport even near me. If I want to leave my house I have to have my own car. So I guess those things exist only in bigger citys, not on the countryside.

[@AleksiHimself]

Thanks for sharing!

[@nettitus]

Lidl is the best !! It's my supermarket in Italy and it will be my supermarket in any country of Europe that have one like Sweden and Finland !! But Norway haven't unlikely ! In my opinion save money in supermarkets is a priority everywhere especially in nordics countries where prices are very high and you need many €€ to survive! Save moneys is a form of resources optimization !! And any person that have nordic mentality should love any form of optimization in particular budgeting optimization ! Any € that you save is a € that you earn !!!

[@AleksiHimself]

Thanks for the comment Alessandro Benetti!

[@ephraimduke]

Thank you soo much for these videos

[@AleksiHimself]

Glad you like them!

[@doxzer9684]

Good to know.Common transport looks efficient in Finland.Indeed,cooking help always to reduce need of buying food every day.When i was working away,i usually didn't have much time too cook olso. Arriving home late reduce time and will to spend in the kitchen.I ussually buy fresh,more healthy meals from locals around my accommodation,without looking too much at prices. So eating a little bit less but healthier is olso good for me.

[@AleksiHimself]

Thanks for the comment doxzer!

[@harrycslau]

Hi Aleksi, great video! Could you share some more about cycling in Finland or Helsinki? For example, do people usually ride on pedestrian or road, is it legal to ride on pedestrian, do the car drivers respect the cyclist on road, anything need to pay attention...etc. Making a video on this would be perfect! Thanks! 😀

[@AleksiHimself]

This is a good idea! I'll write it down.

[@purpleworm4725]

Wow you live in Helsinki now?! And also wow - that's a neat price for an apartment in Kallio! :) I can share some extra cheap skate tips :D Universities is the best place for free&discounted food. If you are a master or bachelor student, join the student union - with it lunch price is below 3 euros and you better pile up those salads as you can put as much as you want. Doctoral students can also get food for 3 euros, but I won't share the secret as I don't want an extra competition for food :D Also there are always leftover pastries or sandwiches and coffee after seminars - just pop by when a seminar has ended (or go to the seminar, if you are interested in the topic). If you don't mind beans and lentils, that is a cheaper source of protein than meat, especially if you get them dehydrated from an Indian market. Oatmeal is probably the cheapest and most filling stuff one can eat for breakfast and you can make it either sweet (bananas, peanut butter, frozen berries, etc) or savory (cheese, sausage, etc). Helsinki also has delicious, safe tap water, so you can save tons of money by ditching bottled water and switching to a reusable bottle and tap water. If you see a huge discount on some fruit or vegetables, buy several kilos, slice it up and freeze it! You can use frozen fruit in smoothies, porridge or for making jams. For which vegetables can be frozen, you can take an inspiration from the frozen foods section. Freezing actually doesn't decrease the nutritional value and can be a convenient way to save a lot of money. Regarding different stores - as a daily visitor of Prisma and big K-market (one is close to my work and another one is close to my home), I can surely say that Prisma is waaaay cheaper than any K-market. Instead of going to pubs with your friends, do home parties :D alcohol is crazy expensive, especially in pubs. Furthermore, it is also cheaper, if everyone brings their home cooked food. The euro per kilo/liter approach can be used not only for food, but for personal care and house cleaning products. Furthermore, as a microbiologist I can say - most of the expensive home cleaning products are a total bullsh*t - they contain a lot of unnecessary ingredients that are often harmful for you and nature. Let hot, soapy water be your best friend for cleaning stuff. If this is good enough for laboratory where people work with fecal samples, it will be good for your home too. For mild disinfection of kitchen surfaces you can also use vinegar. Vinegar is also great for getting rid of calcium residues in your bathroom. When it comes to laundry detergent and dish washing liquid - you are probably buying the same brand over and over again just because you are used to it, not because it is the best. Try non-fragranced basic products, e.g., LV products. They are often much cheaper and most often than not function equally well. Furthermore, fragrance in laundry detergent and personal care products can be irritating and can cause allergies (+ brands don't have to specify what goes into their fragrance concoctions).

[@s.mikkola]

Purple Worm oh my gosh this is the most dedicated comment I’ve ever read here. You could have turned it into a proper article, actually.

[@purpleworm4725]

@@s.mikkola this is the power of procrastination :D I had to make a presentation for my lab meeting, but instead I wrote a whole essay about how to save money xD i've heard people sometimes procrastinate by cleaning house and organizing stuff. I procrastinate by writing long comments (you bet i'm currently procrastinating something :D)

[@majorlycunningham5439]

Great practical advice! Good stuff! 🙂

[@AleksiHimself]

Thanks for the comment Matt!

[@Priyajubli]

One of your best videos! 👍🏻👍🏻👍🏻

[@lydia5820]

Great video 👍 thank you for making this videos🤗

[@AleksiHimself]

Thanks for the comment Lydia!

[@BoneBGone]

"avoid getting a car" only applies in helsinki. when you live in somewhere else the car is much more needed than in helsinki :P

[@BoneBGone]

or uusimaa or the area around helsinki

[@AleksiHimself]

Yeah I think so too.

[@rajeshghosalkar6746]

Super video Aleksi sir

[@AleksiHimself]

Thanks for the comment Rajesh Ghosalkar!

[@getrelaxed3848]

Nice detailed video thank you 👍🏻

[@AleksiHimself]

Thanks for the comment sharko punch!

[@derekcollins9739]

Very good points

[@oyeveer]

Videos are so wholesome

[@MamuTim]

Nice video, thanks Aleksi. I'm interested in learning a bit more about personal finance in Finland so this kind of thing is great. Do you know what kind of brokerage you can expect to pay with the banks in Finland? And are there any options like Robinhood or Raiz like there is in the US (and australia) that you have heard of?

[@AleksiHimself]

Thanks Tim! Opening an account at your bank is free and they take fees depending what you buy (stocks, funds, ETFs etc.) When choosing an instrument it's important look at the fees cos if they're high they'll just eat your profits. There is another service focusing on this called NordNet. It's very widely used so you wanna check that one out too. Btw good stuff with you videos too!

[@MamuTim]

@@AleksiHimself Thanks! that's helpful information. and you've been an inspiration for me with my channel so thanks for that too!

[@MM-kz9pd]

Lidl doesn’t have such a variety of fruit/vegetables like s market, for example

[@AleksiHimself]

Yea I guess it depends but for the most part it's guite good.

[@jkopv]

True but Taxes is also the main thing that takes away huge amount of income. Not only Finns but looks like I belong to the same category - at the end of the month my wallet goes nearly 0 being rent the expensive living near Kamppi :). I've regular yearly raise in salary and now 5K+ but not able to catch up with the increasing prices of things and seems like power of cash for purchasing has decreased.

[@AleksiHimself]

5k+ gross salary and still can't save anything? Do you have kids? Prices have gone up and that definitely plays a role here. Kamppi is central but really expensive area.

[@KatinasuHD]

1,5€ a meal if cooking by yourself??? Even in Lithuania it would be more expensive where our salaries are 2-3 times lower.

[@Dimensas]

Grocery prices are pretty much same in both countries. But as you said- not the salary though.

[@MM-kz9pd]

Groceries are cheaper in Lithuania. Even same products in lidl are cheaper in lt than in Finland

[@MM-kz9pd]

Desiigner you haven’t been to Finland if you say like this.

[@AleksiHimself]

1,5€ is quite low but possible. I believe my meals would be around 2-3€.

[@mixlllllll]

@Desiigner I've been to Lithuania and it's much cheaper than Finland. and why did you change the topic to Latvia suddenly?

[@anikbarua4834]

Please make a video about investing money in Finland.

[@AleksiHimself]

What exactly do you want to know?

[@poe5418]

Alepa, food going out of date may have a 30% discount sticker which then is 60% after 9pm including the baked goods down the back.

[@AleksiHimself]

Yep that's actually a good point.

[@mixlllllll]

And K-supermarkets have often -50% discounts

[@ZenMasterNahc]

Money money money.. it will end up as your master if you let it.

[@loredanab4389]

Great video, Aleksi! Question about cars: for traveling around Finland, just doing road trips and discovering the country, would you recommend renting a car instead of owning one?

[@AleksiHimself]

Car definitely helps for that but you should do the math: is it a worthy investment after factoring all the costs? Depends on how often/how many trips you would do.

[@abirchakraborty1030]

Can you please make a video on Turku life, cost of living and accommodation?

[@poe5418]

If you ride to work or wherever you then don't need to pay for gym or public transport. Wear normal clothes on the bike.

[@chezy8148]

That's a good idea but wouldn't you get sweaty riding a bike on the way to work/school? I guess you could take a spare shirt

[@poe5418]

@@chezy8148 I guess it depends on how far and how fast the ride is. You would do whatever suits you. Ride slow or take a change of clothes. I think many people would have access to showers or change-room facilities.

[@AleksiHimself]

I also cycle to work on back I don't really get that sweaty so it should be fine.

[@wilhelmsarasalo3546]

Lunch, I think is pretty cheap. Stockholm, too. Dinner, not so much. In Helsinki Thai or such, maybe. Finnish food not.

[@AliTomaev94GE]

Hey Aleksi 👋 do you run a podcast as well?

[@AleksiHimself]

At this time, no.

[@waheedabbasi9447]

V nice

[@SlendisFi_Universe]

Ahem... In Pieksämäki an appartment of 36 square meters is 350€/month

[@AleksiHimself]

That's cheap!

[@WOEEW]

Nice moustache btw!

[@AleksiHimself]

Thanks!

[@sunvolt333]

How much are payroll taxes?

[@romyardianto5723]

Kiitos paljon vinkistä. Mutta missä kaupungissa asuinkustannukset ovat halvemmat Suomessa?

[@AleksiHimself]

Kiitti kommentista! Periaattessa missä tahansa Helsingin ulkopuolella.

[@Akuispro]

Lol se voi olla myös vantaassa

[@sammencia7945]

My apartment in NA is 5x size of yours and the same price. 116 sqm

[@AleksiHimself]

Wow that's cheap!

[@alvinjamestuano5945]

Also join roskalava groups in facebook and wait for free stuffs like sofas or coffee makers

[@AleksiHimself]

Good tip!

[@ag1805x]

Where to buy cycles in Finland (Kuopio)?

[@AleksiHimself]

Google will tell you.

[@ag1805x]

@@AleksiHimself sure. Thanks

[@c.rutherford]

I can't afford to go to Finland to save money

[@ku5489]

Can I invest in bond and share in Finland as international student

[@AleksiHimself]

Yes, check this tutorial kzbin.info/www/bejne/jmeaeWiKnLammKM

[@anurangaliyanage4202]

How we can find a job outside from metropolitan area in Helsinki. I mean outside from Helsinki.

[@AleksiHimself]

Just like you would inside of Helsinki. The process is the same.

[@simplesimple4247]

@@AleksiHimself Do you have a video citing how to find jobs in Finland? 🤗

[@michaelsukut5506]

Take the ferry to Estonia to buy alcohol

[@AleksiHimself]

Good stuff!

[@Agriking]

Good because I hate when all my money goes down the crapper.

[@AleksiHimself]

Haha me too!

[@SlendisFi_Universe]

Ku oot 713€/kk tuloilla ja katot tän videon... Pro tips... Paitti että säästäminen ei tuu onnistumaan

[@chezy8148]

The guy driving the car looked so sad!! D:

[@AleksiHimself]

Yep don't get a car. :D

[@chezy8148]

Lool that sounds stressful!

[@Eskandaron_anbar]

👍👍👍👍👉👈👌👌👌👌

[@AleksiHimself]

Thanks for the comment Feras Rafie!

[@leonf.7893]

My saving tip is kaksi eurojuusto. And remember to take a bottle of tap water with you everywhere.

[@AleksiHimself]

The hamburgers? It's not healthy in the long run.

[@richnoname852]

spugelidl

[@AleksiHimself]

Thanks for the comment Rich NoName!

[@manwindersinghramgarhia4858]

I am Indian I need work permit please help me

[@AleksiHimself]

I'm sorry I can't help.

[@arielmarchlewicz2339]

It sounds like "how to be poor in Finland." :(

[@AleksiHimself]

By saving money? :D

[@arielmarchlewicz2339]

Nooo, saving money is wise and important. However, I wish someday to be "so rich" to buy coffee every day in the coffee shop and not worry about budget 😅😅 BTW, You're pretty talkative guy as a Finn, and apparently you're such a distanced nation :D (it is joke of course 😉) @@AleksiHimself

[@AleksiHimself]

@@arielmarchlewicz2339 It is possible to be financially successful in Finland, but like anywhere else it takes time and effort. I've heard that comment before. :D