{"id":4910,"date":"2011-05-11T13:21:39","date_gmt":"2011-05-11T13:21:39","guid":{"rendered":"http:\/\/xn--lne-ula.priv.no\/?p=4910"},"modified":"2018-09-09T23:11:30","modified_gmt":"2018-09-09T21:11:30","slug":"hvordan-bli-mer-%c3%b8konomisk","status":"publish","type":"post","link":"https:\/\/www.webforumet.no\/finans\/hvordan-bli-mer-%c3%b8konomisk\/","title":{"rendered":"Hvordan bli mer \u00f8konomisk?"},"content":{"rendered":"<p><strong>Sp\u00f8rsm\u00e5l<\/strong><br \/>\nJeg bruker rett og slett for mye penger. Kredittkortet g\u00e5r varmt, og jeg sliter med refinansiering av diverse l\u00e5n som jeg har tatt opp tidligere. Sp\u00f8rsm\u00e5let er hvordan jeg skal f\u00e5 kontroll p\u00e5 \u00f8konomien min. Vil det v\u00e6re lurt \u00e5 g\u00e5 til banken og h\u00f8re hvordan vi kan sammen fikse en nedbetalingsplan?<br \/>\n<strong>Svar:<\/strong><br \/>\nJeg hadde samme problem med at pengene forsvinner alt for fort. Har pr\u00f8vd \u00e5 samle p\u00e5 kvitteringer for \u00e5 vise meg selv hvor mye som brukes p\u00e5 mat og annet tull, men det fungerer d\u00e5rlig siden jeg glemmer \u00e5 at vare p\u00e5 kvitteringer etc. Holder p\u00e5 med et annet alternativ n\u00e5: har opprettet en ny sparekonto, s\u00e5 n\u00e5 har jeg \u00e9n brukskonto (knyttet til minibankkortet) og to sparekontoer.<br \/>\nFor hver l\u00f8nning f\u00f8rer jeg over slik at jeg har 1000 igjen p\u00e5 brukskontoen, og resten plassert p\u00e5 den nye sparekontoen. Hvis jeg underveis bruker opp de 1000 kr., f\u00f8rer jeg bare over litt til fra sparekontoen. N\u00e5r neste l\u00f8nning kommer, f\u00f8rer jeg f\u00f8rst over de pengene som er igjen p\u00e5 den nye sparekontoen til den gamle, f\u00f8r jeg gjentar det ovenfor. Har i\u00a0 tillegg SMS- og telebank, og den er jeg en aktiv bruker av.<br \/>\nN\u00e5r jeg har under 500,- blir jeg automatisk mer bevisst p\u00e5 hva jeg bruker pengene p\u00e5, og det er en lengre vei fra hele l\u00f8nningen &#8211;&gt; 500\u00a0\u00a0\u00a0 enn\u00a0\u00a0 1000 &#8211;&gt; 500.\u00a0 P\u00e5 denne m\u00e5ten pr\u00f8ver jeg \u00e5 gj\u00f8re det eneste som hjelper p\u00e5 \u00e5 spare pengene; \u00e5 bli mer bevisst p\u00e5 bruken av dem.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Sp\u00f8rsm\u00e5l Jeg bruker rett og slett for mye penger. Kredittkortet g\u00e5r varmt, og jeg sliter med refinansiering av diverse l\u00e5n som jeg har tatt opp tidligere. Sp\u00f8rsm\u00e5let er hvordan jeg skal f\u00e5 kontroll p\u00e5 \u00f8konomien min. Vil det v\u00e6re lurt \u00e5 g\u00e5 til banken og h\u00f8re hvordan vi kan sammen fikse en nedbetalingsplan? Svar: Jeg [&hellip;]<\/p>\n","protected":false},"author":2,"featured_media":0,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_et_pb_use_builder":"","_et_pb_old_content":"","_et_gb_content_width":"","footnotes":""},"categories":[33,17],"tags":[],"class_list":["post-4910","post","type-post","status-publish","format-standard","hentry","category-okonomi","category-personlig-okonomi"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.4 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Hvordan bli mer \u00f8konomisk? &#187; WF Finans<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.webforumet.no\/finans\/hvordan-bli-mer-\u00f8konomisk\/\" \/>\n<meta property=\"og:locale\" content=\"nb_NO\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Hvordan bli mer \u00f8konomisk? &#187; WF Finans\" \/>\n<meta property=\"og:description\" content=\"Sp\u00f8rsm\u00e5l Jeg bruker rett og slett for mye penger. 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