SwedenArbetsmarknad och privatekonomi 19 · Labour market and personal finance
Why can it be a good idea to make a budget for your personal finances?
In the exam (Swedish)
Varför kan det vara bra att göra en budget för sin privatekonomi?
- aBecause you have to hand in your budget to the Swedish Tax Agency when you file your tax return every yearFör att man måste lämna in sin budget till Skatteverket när man deklarerar varje år
- bBecause a budget means you automatically pay less tax on your wages every yearFör att en budget gör att man automatiskt får betala lägre skatt på sin lön varje år
- cBecause the bank requires a written budget before you may open a bank accountFör att banken kräver att man har en skriftlig budget för att få öppna ett bankkonto
- dTo see whether your income covers your expenses and to be able to plan, for example savingsFör att se om inkomsterna räcker till utgifterna och kunna planera, till exempel ett sparandeCorrect answer
Why?
A budget is a plan of income and expenses, for example wages, rent and food. It makes it easier to see whether the money is enough and to save.
Translated with AI. In the exam the question is in Swedish, as shown above.
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Take a free mock examArbetsmarknad och privatekonomi 20
What is important to know before buying on credit, for example with a credit card or a quick loan (snabblån)?Correct answer:The interest and fees are often high, so it can be much more expensive than paying straight away.
Vad är viktigt att veta innan man handlar på kredit, till exempel med kreditkort eller ett snabblån? — Räntan och avgifterna är ofta höga, så det kan bli mycket dyrare än att betala direkt.
Arbetsmarknad och privatekonomi 21
What does the Swedish Enforcement Authority (Kronofogdemyndigheten) do?Correct answer:It collects unpaid debts and can decide on debt relief.
Vad gör Kronofogdemyndigheten? — Den driver in obetalda skulder och kan besluta om skuldsanering.
Arbetsmarknad och privatekonomi 22
Which kind of pension comes from the employer and is often set in a collective agreement, in addition to the public pension from the state?Correct answer:Occupational pension (tjänstepension)
Vilken sorts pension kommer från arbetsgivaren och bestäms ofta i ett kollektivavtal, utöver den allmänna pensionen från staten? — Tjänstepension
Arbetsmarknad och privatekonomi 23
Someone calls and says they are from your bank. The person asks you to log in with BankID to “stop a fraud”. What should you do?Correct answer:End the call and call the bank yourself on a number you know is correct
Någon ringer och säger att hen är från din bank. Personen ber dig logga in med BankID för att ”stoppa ett bedrägeri”. Vad ska du göra? — Avsluta samtalet och själv ringa banken på ett nummer du vet är rätt
Source
Our own practice questions, written from the facts in UHR’s study material “Sverige i fokus” and the subjects of the ordinance (2026:451) on the citizenship test. They are not the real test questions, which are not published, and no text from the material is reused. Each question was written, answered blind and fact-checked in separate rounds. The English translation and the explanations are ours, made with AI help; in the test the questions are asked in Swedish. We are not affiliated with the Swedish Council for Higher Education (UHR) or the Swedish Migration Agency (Migrationsverket).
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