That's a problem, in stockholm a sl card is very expensive. There is an offer for students, which makes it less expensive but still quite much, however the card coast 560 for students each month.
I will only spend 200 Sek on hygiene products, because it’s not that expensive unless it’s not shampoo which last for a long time. When it comes to clothes, there is not that much money left and since I have a lot of clothes, I decided to spend 800 kr each month on clothes.
Workout is important for me, I want to be able to workout but a gym card is very expensive. According to “haninge kommun” there is a free outdoor gym in västerhaninge where It’s perfect to exercise in the spring and summer.
Concluding:
My salary after tax will be around 5490 Sek (6048-557), the loan and the contribution will be 4126 Sek (49 520/12), totally will my income be 9616 Sek. My expenses is the electricity, interest cost, mortgage, food, travelcard, enjoyments, hygiene products and clothes, together will it be around 8720