Personal Finance In Sweden for Expat Mums_

_with three minutes, coffee that’s now yoghurt and laundry still in the machine

where someone explains schablonintäkt without causing a migraine

Getting Started with Personal Finance: If You Do Just One Thing, Do This.

Open an ISK and put your money in any one Global Index Fund. That’s it. You’re already on your way to making your money grow. Seriously though, beware of this leaky faucet — it’s called inflation.

What Is An ISK, And Why It’s Your New Best Friend

ISK. “InvesteringsSparKonto.” Sounds like a Hogwarts spell, but it literally just means “Investment Savings Account”. It’s…

2–3 minutes
If I Only Need One Fund, Why Are There 2,000?

When I first opened my Avanza account, I saw the list of funds and nearly blacked…

1–2 minutes
What Now Is an Index Fund, and What Makes It Safe?

Index fund is a mum hack for the stock market — efficient, low-maintenance, and quietly doing…

1–2 minutes
ISK & Tax: Skatteverket, Schablonintäkt, and Other Words That Don’t Deserve a Panic Attack

You don’t need to wait until your Swedish tax return drops into Kivra and your heart…

3–5 minutes

New here?

Pour yourself a lukewarm coffee and read this first.

This blog didn’t start as a blog. It started as a lifeline: late-night scribbles and voice notes to a fellow expat mum friend trying to figure out her money in Sweden while juggling kids, home, and a new country. She told me to make my plain-English explanations public so no one else had to Google “what the heck is schablonintäkt” at 2 a.m. and spiral. So here we are.

Think of this space as two mums on a playground bench, coffee cups in hand, swapping money hacks between snack negotiations, only now you get to listen in too.

This is not your typical finance blog. It’s for the ones who:

Didn’t get around to setting up that pension
Took the “logical” maternity leave and now wonder what it cost
Handle the logistics, the lunchboxes, and the life admin — but not the investments

Naptime Capital is for people like us. Smart, exhausted, capable, and financially vulnerable in ways we didn’t realise until too late (or almost too late).

And no, I’m not trying to sell you any courses (unless you want one… then I will think about it when the “mommy… mommy…” stops.)