Chinese (Mandarin)

Spanish

English

Hindi

Arabic (Modern Standard)

Portuguese

Bengali

Russian

Japanese

Punjabi

German

Javanese

Malay

Telugu

Vietnamese

Korean

French

Marathi

Tamil

Urdu

Turkish

Italian

Chinese, Yue / Cantonese

Thai

Gujarati

Chinese, Jin

Chinese, Min Nan

Dari

Farsi

Polish

Pashto

Kannada

Chinese, Xiang

Malayalam

Sundanese

Hausa

Odia

Burmese

Chinese, Hakka

Ukrainian

Bihari, Bhojpuri

Tagalog

Yoruba

Bihari, Maithili

Uzbek

Sindhi

Amharic

Fula

Romanian

Oromo

Igbo

Azerbaijani

Chinese, Gan

Dutch

Kurdish, Central

Kurdish, Northern

Kurdish, Southern

Malagasy

Lahnda, Saraiki

Nepali

Sinhalese

Chittagonian

Zhuang

Khmer

Turkmen

Assamese

Madurese

Somali

Marwari

Bihari, Magahi

Haryanvi

Hungarian

Chhattisgarhi

Greek

Chewa

Dakhini

Akan, Twi

Akan, Fante

Kazakh

Chinese, Min Bei

Sylheti

Zulu

Czech

Kinyarwanda

Marwari, Dhundhari

Haitian Creole

Chinese, Min Dong

Ilocano

Quechua

Kirundi

Swedish

Hmong

Shona

Uyghur

Hiligaynon

Mossi

Xhosa

Belarusian

Balochi

Finnish

To express that you can afford something or have the time to do it, Finnish doesn't use a special verb like "afford." Instead, use the standard "I have" structure alongside the resource (time or money) and an infinitive.

### The Possessive Resource Construction

To build this structure, follow this formula:
- **Adessive Subject:** The person who has the resource (e.g., *minulla*, *sinulla*, *hänellä*).
- **Verb:** The fixed verb **on** (or the negative **ei ole**).
- **Partitive Resource Noun:** The resource you possess, in the partitive case.
- **1st Infinitive:** The dictionary form of the action verb you want to perform.

To express having the financial means, use the partitive form of **vara** (means / funds).

{{item:964996}}

Follow **varaa** directly with the action verb:

{{item:964998}}

{{item:965008}}

### Having the Time

Use the exact same structure for time. Just replace *varaa* with **aikaa** (the partitive form of *aika*, "time").

{{item:965006}}

{{item:965002}}

### Questions and Conditions

To ask if someone has the time or money, turn the verb *olla* into a question by adding the **-ko** suffix and moving it to the front of the sentence (**Onko sinulla...?**, **Onko meillä...?**).

{{item:965000}}

You will also frequently see this structure used in conditional sentences starting with **jos** (if).

{{item:965004}}

{{item:965010}}

### Spoken Pronouns

In spoken or casual Finnish, the formal pronouns *minulla* and *sinulla* are often shortened to **mulla** (I have) and **sulla** (you have).

{{item:965012}}

{{item:965019}}

Having the means (on varaa / aikaa)

adjective

adposition

adverb

conjunction

determiner

interjection

noun

numeral

particle

postposition

preposition

pronoun

sentence

verb

Demonstrative pronouns (tämä, tuo, se)

Singular personal pronouns (minä, sinä, hän)

Plural personal pronouns (me, te, he)

Plural demonstratives (nämä, nuo, ne)

Coordinating conjunctions (ja, mutta, tai)

Yes/no questions (-ko / -kö)

Basic question words (kuka, mikä, missä)

Negation of to be (en ole, ei ole)

The inessive case (-ssa / -ssä)

Double consonant gradation (kk, pp, tt)

Consonant gradation (-ssa/-ssä)

Verb Type 1 (puhun, puhut, puhuu)

Verb Type 1 with consonant gradation

Negative verbs (en puhu, et lue)

External location (-lla/-llä)

There is / there are (kaupungissa on)

Possession (minulla on)

Numbers 1 to 10 (yksi, kaksi, kolme)

The partitive singular (-a/-ä, -ta/-tä)

Quantities with numbers (kaksi autoa)

Negative possession (ei ole)

Numbers 11 to 100 and 1000

Partitive verbs

Partitive personal pronouns (minua, sinua)

Verb Type 2 (-da/-dä)

Partitive for mass nouns (-a/-ä, -ta/-tä)

Partitive for negative objects

Adjective agreement

Verb Type 3

The elative case (-sta/-stä)

Negative possession (minulla ei ole…)

The illative case (-Vn, -hVn, -seen)

Numbers 21 to 99

Static vs. movement verbs

Verb Type 4 (-Vta / -Vtä)

Verb Type 5 (-ita / -itä)

Genitive singular for possession (-n)

Total object (-n)

Accusative personal pronouns (-t)

Obligation (täytyy)

Into places (-Vn, -hVn, -seen)

Postpositions with the genitive

My and your (-ni, -si)

Onto and to someone (-lle)

From someone or somewhere (-lta, -ltä)

Telling time (kello on...)

Months of the year (-ssa, -ssä)

Days of the week (-na, -nä)

When and why (milloin, miksi)

The illative case (mihin, -Vn, -hVn, -seen)

Past tense of to be (olin, olit, oli)

The seasons (kevät, kesä, syksy, talvi)

The imperative mood (lue!, syö!, mene!)

The past tense of to be (olin, oli)

The illative case (-hVn, -seen)

Greetings and goodbyes (hei, näkemiin)

Thank you and sorry (kiitos, anteeksi)

Liking things (pitää / tykätä + -sta/-stä)

Temporary states and roles (-na/-nä)

Change of state (-ksi)

Ongoing actions (-massa/-mässä)

Going to do an action (-maan/-mään)

Returning from an action (-masta/-mästä)

Third-person possessives (-nsa/-nsä or -Vn)

Plural possessives (-mme, -nne)

Indefinite pronouns (joku, jokin, kaikki)

Negative indefinite pronouns (ei kukaan, ei mikään)

Commands for verb types 4 and 5

Adverb formation (-sti)

Past tense for verb type 1 (-i-)

Past tense vowel changes for verb type 1 (-o- / -i-)

Past tense for verb type 2 (-i-)

Past tense for verb type 3 (-i-)

Past tense for verb type 4 (-si-)

Past tense for verb type 5 (-itsi-)

Past tense consonant gradation

Past participles for verb types 1 and 2 (-nut / -nyt)

Past participle singular for verb types 3-5 (-nnut, -llut)

Active past participle plural (-neet)

Past tense negative (en mennyt, emme olleet)

The perfect tense (olen ollut)

The perfect tense negative (en ole nähnyt)

Total plural objects (-t)

Partitive plural (-ia / -iä)

Partitive plural (-ja / -jä)

Question	Answer
means / funds	vara
sailboat	purjevene
I cannot afford to buy a new sailboat.	Minulla ei ole varaa ostaa uutta purjevenettä.
designer clothing	merkkivaate
Can you afford to buy that expensive designer garment?	Onko sinulla varaa ostaa tuo kallis merkkivaate?
golf	golf
I do not have time to play golf with my friend.	Minulla ei ole aikaa pelata golfia ystäväni kanssa.
to pamper	hemmotella
If you have money, you can afford to pamper yourself.	Jos sinulla on rahaa, sinulla on varaa hemmotella itseäsi.
language course	kielikurssi
He finally has time to start a new language course.	Hänellä on vihdoin aikaa aloittaa uusi kielikurssi.
trip abroad	ulkomaanmatka
We cannot afford to take a long trip abroad this year.	Meillä ei ole varaa tehdä pitkää ulkomaanmatkaa tänä vuonna.
massage	hieronta
If I finish work early, I have time to book a massage.	Jos lopetan työt aikaisin, minulla on aikaa varata hieronta.
luxury	luksus
I can afford to buy this kind of luxury.	Mulla on varaa ostaa tällaista luksusta.
horseback riding	ratsastus
On my vacation, I have time to do horseback riding.	Lomallani minulla on aikaa harrastaa ratsastusta.
Can we afford to buy a new sailboat or play golf?	Onko meillä varaa ostaa uusi purjevene tai pelata golfia?
I want to pamper myself, but I cannot afford to pay for a massage.	Haluan hemmotella itseäni, mutta minulla ei ole varaa maksaa hierontaa.
If I save money, I can afford to book a trip abroad and a new language course.	Jos säästän rahaa, minulla on varaa varata ulkomaanmatka ja uusi kielikurssi.
If I buy this designer garment, I cannot afford to enjoy luxury.	Jos ostan tämän merkkivaatteen, minulla ei ole varaa nauttia luksuksesta.
You have time to do horseback riding with me.	Sulla on aikaa harrastaa ratsastusta mun kanssa.