Time will tell

For transparency and my own agenda, we have mortgages.

Depending on how the Federal Reserve acts around the policy interest rate, it will affect Riksbanken's actions on February 9.

America's inflation numbers were much better for December than Sweden's so hopefully Fed will be humane in its increase.

If Federal Reserve wants to ensure the decline in inflation and continue to downshift with a 50 basis point, Riksbanken will probably raise the policy interest rate by 0.5% instead of 0.25%.

In such an outcome, our monthly savings will be over and our mortgage interest expense will be $1800.

Our conditions for the mortgage change a few days after the next announcement from Riksbanken. Until then, we will continue to pay back as much as we can at our mortgage.

We are still within budget for our mortgage after the possible 0.5% increase.