There’s something about Bulgaria that sticks with you. Not just the mountains, not just the squares, not just the slightly rugged charm of neighbourhoods where time seems frozen. What stays with you — what teaches you something — is the people and the way they work. Here, people don’t run businesses to impress anyone. They run them to survive. And most of the time, they do it through something Sweden has almost forgotten: micro business.
I’m talking about tiny operations you barely notice unless you stop and look. A hole-in-the-wall selling homemade pastries. A garage where someone repairs scooters. A kitchen table where someone sews curtains for neighbours. A small office where two people do bookkeeping for the entire block. A shed where someone sharpens knives for a few leva.
It’s small.
But it keeps a whole nation afloat.
And when you come from Sweden — where people have education, better financial security and more technology — it becomes almost absurd that Swedes, especially pensioners, struggle to make ends meet, while Bulgarians survive and even thrive on micro-entrepreneurship.
It raises a question that is uncomfortable, but necessary:
Why aren’t we doing this in Sweden — one of the world’s most developed countries — when the people who need it most could lift themselves in just a few weeks?
Pensioners stuck between the cracks of the system
It’s no longer a secret. The Swedish pension simply doesn’t stretch. You do everything right: work, pay taxes, live decently. Yet the end result for many is 9,000–12,000 SEK a month before rent. That’s a hole you can’t climb out of through willpower alone.
This is where micro business enters — not as some “get rich” plan, but as a survival strategy that restores dignity, movement and new possibilities.
Because the truth is simple:
You don’t need to earn an extra 30,000 SEK.
You need 5,000 SEK here, 2,000 SEK there, 500 SEK from one idea, 3,000 SEK from another.
That’s how Bulgarians do it.
And it works.
In Sweden, we’ve turned entrepreneurship into something so big and complicated that it scares people away. We think starting a business means:
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business plans
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annual reports
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logos
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bank loans
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auditors
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regulations
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inspections
But a micro business is none of that.
A micro business is simply:
“Can I offer something that gives me a small, steady stream of extra income every month?”
That’s it.
Young creatives face the same problem — only disguised as “freedom”
Many young people in Sweden are just like pensioners, but for different reasons. They’re creative, they want to build things, they want to live on their own terms. They jump between freelance gigs, projects, and temporary contracts. They’re brave — but broke.
They’re doing everything right according to the modern world.
But the reward is insecurity.
Micro business gives something young people often lack: an ecosystem of small income streams that together build stability. It takes the pressure off aiming for that one big success, because you succeed through many small avenues.
And that’s exactly what works here in Bulgaria.
Here, no one cares about perfection.
People care about whether it works.
That’s a lesson Sweden needs.
Sweden lacks the small-scale entrepreneurial DNA Bulgaria has in abundance
In Sweden, entrepreneurship has become an industry. A huge machine full of regulations, forms and government agencies. It’s well-organized, controlled, secure — but suffocating for anyone who just wants to do something small.
In Bulgaria, entrepreneurship is more… organic. It bubbles everywhere. It’s almost like going back to Sweden before giant shopping centres and the million-homes programme.
Here, people work to the limit — not to become rich, but to build their own basic safety.
There are small:
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sewing studios
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repair shops
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home kitchens
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micro-markets
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bicycle workshops
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small transport services
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photocopy shops
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translation agencies in living rooms
This microstructure keeps a society alive.
And Sweden doesn’t have it anymore.
Micro business in the Swedish context — what is actually possible?
Much more than people think.
Here are examples of micro businesses both pensioners and young people can start in Sweden without risk,
without capital, and without waiting for the system’s approval.
Micro Services – small local tasks
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Dog walking
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Homework help
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Light home-care tasks (legal if done correctly)
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Personal shopping
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Social companionship for seniors
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Local guided walks
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Fix-it jobs
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Babysitting in your own building
Income: 500–5,000 SEK/month depending on time invested.
Digital Micro Income – perfect for both young and old
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eBooks
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PDF guides
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Templates
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Small digital products
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AI-supported text and content services
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Language tutoring
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YouTube channels for niche topics
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Stock photography
Income: 100–10,000 SEK/month.
Craft and mini-production
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Knitting
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Bags
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Upcycled goods
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Small furniture
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Homemade soaps, candles, ceramics
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Food products in very small legal batches
Income: 1,000–7,000 SEK/month.
Micro import and micro trade
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Small items from EU countries
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Vintage and second-hand
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Local products from Bulgaria, Poland, Romania
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Art and handmade objects
Income: 1,000–8,000 SEK/month.
Micro consulting and coaching
Perfect for pensioners:
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life experience
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professional advice
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project guidance
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mentoring
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practical knowledge
People don’t pay for degrees — they pay for experience.
Income: 2,000–15,000 SEK/month.
What micro business is really about
Money, yes.
But at its core, it’s about self-reliance.
It’s about stopping waiting for politicians.
Stopping hoping the system will fix itself.
Stopping the idea that someone else will save you.
It’s about building your own safety — one small piece at a time.
Just like the Bulgarians do.
When you live in a country where the state doesn’t always have the resources, you learn something important: you are the system. You create your opportunities. You build your income.
And strangely enough, it works brilliantly.
People here may have lower incomes — but they are entrepreneurial on a level Sweden lost somewhere along the way.
What would happen if Sweden embraced micro business?
1. Pensioners would regain dignity
Many would finally:
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contribute again
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feel needed
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escape financial stress
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use their lifetime of knowledge
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create something meaningful
It’s almost only Sweden that expects people to stop being valuable at 65.
2. Young creatives would stop chasing stability in the wrong places
You don’t build security from one big paycheck.
You build it from many small ones.
3. Society would grow from the bottom up
Micro businesses don’t just create income — they create culture, community, resilience and local relationships.
4. Sweden would become less fragile
People with multiple income streams are less vulnerable during crises.
The only thing standing in the way is mindset
In Sweden people say:
“I should probably get an extra job.”
In Bulgaria people say:
“I’ll find ten small ways to earn something.”
In Sweden people say:
“I can’t afford it.”
In Bulgaria people say:
“I’ll find a way.”
In Sweden people wait for the system.
In Bulgaria people rely on themselves.
Conclusion – Sweden needs a micro business revolution
And it won’t come from politicians.
It won’t come from banks.
It won’t come from CEOs.
It will come from ordinary people who want a better, freer, more stable life.
It will come from pensioners who refuse to accept poverty.
It will come from young creatives who won’t let themselves be boxed in by outdated structures.
It will come from those willing to think small — to live big.
And it will come from people like you, who have seen how others live and realised that the old Swedish model no longer works.
Micro business is the future.
It is freedom.
It is dignity.
It is the possibility to build your own life — in small steps with a big impact.
By Chris...
Moore Info
Micro Business in Sweden – Quick Guide With Simple Tax Example
Running a micro business in Sweden is far easier today than most people think — especially with AI tools handling almost all administration. With F-tax (F-skatt), you’re simply responsible for paying your own tax and social fees on what you earn. That’s it.
How F-tax Works (Explained Simply)
When you send an invoice, the money goes to you.
Later, you pay:
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approx. 28–32% in social fees (egenavgifter)
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plus your regular income tax (varies by municipality)
But because expenses are deductible and micro businesses earn smaller sums, the actual tax is usually low.
Simple Swedish Tax Calculation (Example)
Let’s say you earn:
5,000 SEK/month from your micro business
= 60,000 SEK/year
You have small expenses:
10,000 SEK/year (software, travel, materials)
Taxable amount:
60,000 – 10,000 = 50,000 SEK
Apply basic numbers:
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Social fees (approx. 28%): 14,000 SEK
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Income tax (assume ~30% after deductions and allowances): ~5,000 SEK
Total yearly tax:
≈ 19,000 SEK
Money left to you:
60,000 – 19,000 = 41,000 SEK
= about 3,400 SEK/month in your pocket
And all this with a tiny side hustle.
Micro Business Ideas That Work in Sweden
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AI-assisted writing and editing
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Small local services (shopping, handyman help, dog walking)
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Digital products (PDFs, templates, mini e-books)
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Light consulting / micro-coaching
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Crafts, repairs, and upcycling
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Mini online classes
AI Makes Bookkeeping Effortless
Tools like Bokio, Wrebit, and Dooer now:
✔️ scan your receipts
✔️ categorize expenses
✔️ create invoices
✔️ book transactions
✔️ prepare your tax return
Even the tax calculation above can be done automatically.
Conclusion
Micro business + F-tax + AI = the simplest and most realistic way to earn extra money in Sweden.
No capital required. No paperwork mountain. No stress.
Just a small idea — and a much bigger sense of freedom.
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