his Salary coming in, bills to be paid, you may want to buy some stuff, but think that you should save a bit also. But one and other things up not great? All of a sudden, much more of his salary away than you actually planned.
sound Familiar to you?
According to an article in NRK wrote in 2019, had 175.000 norwegians personal loans then. There are loans one can take without having to set security in your own property, or have any equity - as one must if one is to apply for other loans. These are also often much more expensive than conventional loans.
In addition to all those who had personal loans, also had over a half a million norwegians credit card debt, as it runs interest rate on the.
Check further down in the case of the 10 saving tipsWill help the Experts: So the "doubles" you feriepengene Dagbladet Plus
Miriam Faranso (23) is exactly finished on the økonomistudiet, and to start on a master in economics and business administration in the fall.
She says to Dagbladet that there are many who are struggling to get control of its economy, and that it can often seem more overwhelming than it really is.
- When you ask professionals about how to set up a budget and like, you get happy to answer with big words, and a calculation that makes it all seem very complicated.
She now wants to reach out to both adults and young people to explain everything in a simple way, so that more will get the overview of the income and its expenditure.
- to set up budget is something that you often are told that he is going to do, but it seems like it takes a really long time. The reality is that from start to finish only need take five minutes, " she explains.Turn On the LydErrorAllerede plus customer? Log into herError SHOCK: NKristin Gjelsvik and Dennis Poppe get a visit from Sally Sandmæl in the second episode of "In the pocket of Sally", and are, mildly said, surprised by the own consumption. Show more Luksusfellen
23-year-old first became fascinated by economics for about ten years ago, when she began to look at the Luksusfellen.
I was left wondering how people managed to get to a point where they ended up with so much debt that they ended up on TV. It just shows that we quickly can add us to bad habits that can have a major impact.
Miriam says that she was even fond of shopping and often bought expensive products rather than cheap, because the package maybe prettier.
I had to take a step back at one point, and only ask myself what it was I took, and why I not only chose the cheap product, if it was the same just without the fancy packaging.
Eventually she realized this was something more struggled with, and wanted to do their to help.
View this post on InstagramBudget in 1-2-3
Via Instagramkontoen @økonomi_studenten, she tries to put out records and answer questions regarding personal finances, and how it can be a lot easier to relate to.Børsmillionær in six years, the Newspaper Plus
I decided in the spring to create the account, and have received so much good feedback from people who see it, that they suddenly have better control.
She has created a simple template for setting up a budget, where all one needs to do is to record income and expenses.
- There are so many who dream about to be able to buy their own home and having a little financial freedom, but then he uses all his money in it the ticking into your account. So I will try to teach what I can, in a positive way.
Economics says she always has a goal posts on Instagram should be simple to understand, and uses stories to reach out to people, to get them to ask the questions they wonder.Nine saving tips:
Miriam has collected nine økonomitips to you as will be studying in the fall.
1. Use the Spotify Premium Student , instead of the usual Spotify Premium. The student version costs 54 million in the month, while the usual costs 109 nok. This will be 660 million saved in the course of one year.
2. Please prisbevisst. Look at the kilo - and literpris when you shop in the grocery store, instead of looking at the stykkprisen. Often we want to trade more expensive goods just because of the look. Red onion in stocking can quickly cost twice as much as those in the løsvekt.
3. Use studentrabatter. Studenttorget has a nice overview of these. Select the city you live in, then you'll get all studentrabattene the city offers.
4. Do not use money you do not have. Learn the difference between "need" and "want". You don't need new jeans, if you have six couples from before, but you need new shoes if the pair you are using has been corrupted.
5. Give yourself allowance. When the scholarship comes into should you get an overview of your earnings and your expenses that month. Set on a simple budget and give yourself allowance every Monday. You have 10.000 dollars in revenue and 6,000 in expenses, then you can put 500 million into savings and have 875 million in the allowance. When stretching your money to the entire month, and you can live more comfortable.
6. Set up your e-invoice/direct debit of the bills. Then they are automatically paid on the due date. Are you bad to pay the bills, so one can end up with unnecessary late charges. In the worst case you can get betalingsanmerkning, which can stand in the way of any mortgage loan in the future.
7. Get an overview of your subscriptions. Exit all strømmetjenester you do not use. If you have two subscriptions that are not being used, and each of these will cost 99 kroner a month, so it's 2376 million a year. Should you only have a month free in such as Netflix, should you terminate your user once you have created it. You can still use the out the month, but don't have to be deducted when the subscription should be renewed because you forgot to cancel it.
8. Prioritize BSU when you want to save money. You get the bank's best interest rates on your savings, in addition to the 20 per cent tax deduction on this year's deposit.
9. Be clever with storstipendet. Either you can use the remaining money to give yourself monthly earnings during his studies, or put your money into the BSU or bufferkonto. Enjoy yourself in fadderuka, but be a little critical of your spending habits.Eat for 300 dollars a week
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