Money is absolutely essential today. Money is an important driving force and influences our lives. If we have enough finances, we can afford almost anything, we can buy almost anything, and we never feel inadequate. Unfortunately, however, this is not the case in most cases. Money is scarce and everyone is working at some job to meet their basic needs. For many people with only a basic education, this tends to be their daily bread. But for those who have acquired economic education or at least financial literacy, the world offers a wealth of opportunities and ways to raise money. Of course
, we can find both clean and dirty ways to get money in the market, but if we do not want to face legal problems, we should definitely consider only clean ways. The easiest and, these days, the most popular way is investing . This may seem like a tricky business, but with today\’s choices there is no easy way to apply surplus capital.
This capital is also useful when you have a major expense, want to go on vacation, or decide to builda family home . Such properties today can cost up to millions of kronor and unfortunately are not at everyone\’s bedside. Therefore, it is a good idea to be prepared for such unexpected expenses.

In the absence of such reserves, the only option left to us is to turn to our creditors, [24] whether banks or non-banks, [25] we always assume a certain amount of risk. Unforeseen events may occur, the terms of the contract may change, or a catastrophe may occur. Therefore, it is a good idea to consider whether the borrowed money is really needed and whether there is another way to obtain it. Borrowed money is the best value you can get today, but it is still someone else\’s money.