Pattern of change

The world's most perfect husband told me 6-8 months ago that he had noticed a pattern of change. When we, I'm 54 and my husband is 56, were growing up, the guys hung out in pubs and drank beer while the girls hung out at home. Today, it's the girls who hang out at wine bars and drink Aperol Spritz while the guys are at home and hanging out online.

This, combined with the fact that stores and companies have "moved in" with their customers via e-commerce and that the attitude has shifted from saving first and shopping later to shopping first and paying later, has meant that the girls' indebtedness has increased significantly.

Even at the Swedish Enforcement Agency, this changed behavior is noticeable because many girls cannot meet their payment obligations.