| # | Concept | Culture | Statement | Freq. |
|---|---|---|---|---|
| 1 | budgeting | Sweden | Government support and social welfare programs are integral parts of the national budgeting system. | 1 |
| 2 | government spending | Sweden | Government spending is linked to comprehensive social welfare programs and a strong safety net for citizens. | 1 |
| 3 | personal budgeting | Sweden | Seen as essential for coping with high cost of living and maintaining social welfare | 1 |
| 4 | spending habits | Sweden | Splitting bills and discussing finances with friends is less common, and everyone covers their own expenses. | 1 |