Hygge Finance is about making money feel clearer, lighter, and more intentional.
It is a newsletter about personal finance, financial avoidance, freedom, and building a life that feels like your own.
Not perfect budgeting.
Not guilt.
Not chasing money for the sake of it.
Just a more honest way to think about money and what it is really helping you build.
My story
Hygge Finance started as a personal finance project, but over time, it has become something more personal.
For me, money has never just been about numbers. It has been about choices, freedom, safety, identity, work, home, and the kind of life we quietly hope to build.
I spent years living in London, working in finance, building a full social life, travelling, going out, saying yes to everything, and somehow saving almost nothing.
It was not because I was careless. It was because my money had no clear direction.
Moving to Amsterdam, building my own business, and slowing down during Covid changed the way I thought about money. I became less interested in financial perfection and more interested in financial intention.
That is what Hygge Finance is about now.
My Approach
I believe personal finance should feel human.
Money advice often focuses on doing more: earn more, save more, invest more, optimise more. But before any of that, I think we need to ask a better question:
What do you actually want your money to do for you?
For one person, that might mean buying a home. For another, it might mean leaving a job they hate, taking a sabbatical, building a business, moving country, supporting family, or creating a quieter life with more space.
There is no one version of financial success.
The goal is not to make your finances perfect. The goal is to make your money point somewhere.
Hello, I’m Gunel.
I’m the founder of GG Financial Consulting, where I help freelancers, founders, and small businesses understand their numbers, manage their finances, and make better business decisions.
Hygge Finance is my more personal writing space.
It is where I explore the emotional and practical side of money: why we avoid it, how we spend it, what makes us feel safe, what freedom actually costs, and how to build simple financial rhythms that support the life we want.
I write from both sides: as someone with over a decade of experience in finance, and as someone who had to rebuild her own relationship with money from the inside out.
The Hygge Finance Letter
A monthly letter on money, intention, and building a calmer financial life.
Expect personal essays, practical reflections, and honest questions about how we earn, spend, save, avoid, and use money to shape our lives.
No guilt. No jargon. No rigid budgeting rules.