By the start of 2019 put Ingeborg Bern (29) one goal: To get rid of all "bad" debt.
I was tired of owing money here and there. It felt almost as if I was suffocated by having so much debt, " she says.
a 29-year-old from Bergen can look back on a good privatøkonomisk years, and she think of an even better year for your pocketbook in 2020.
In november last year I had two credit cards that I failed to get paid down. I paid only the minimum amount each month, then his debt bear interest quite a lot. I collected both loans into one mortgage in november/December of last year, and began to pay down on the loan in January of this year, " she says.
When had Bern to 2.2 million in debt in total. She had 32 300 million in consumer loans, owed to their father, 32 000, had 1.8 million in boliggjeld and 272 000 in student loans.
- Previously, I would like to be with on everything even if I couldn't afford, and didn't take money seriously. I could not stand any longer to have pengeangst each month when the account was empty, and I realized that I had to take the grip.High private debt
In a recent survey Ipsos has carried out for DNB, answer 60 percent of the 18-29-year-olds that they believe in a recovery in the economy. 27 percent of those between 40 and 59 years of age answer the same.
- the job market is good and rates are still low, and many young people have not so great financial obligations. Then, they are naturally less concerned than those who have mortgages and children, " says Sally Sandmæl, forbrukerøkonom in DNB and presenter in the TV series "Luksusfellen" and "In the pocket of Roberta".VULNERABLE: Many have very high debt, and it makes them vulnerable, " says forbrukerøkonom and presenter Sally Sandmæl. Photo: Bjørn Langsem Show more
a Total of say half of those questioned that they do not expect major changes in its economy over the next year, while 17 per cent believe in a deterioration. It is the oldest of the group, people over 60 years, which is the most negative set.
"It is like beginning to exercise, you should not go too hard out and change everything at once." Sally Sandmæl
norway has extremely high private debt, which makes us vulnerable. Unemployment, sickness and separation can affect you as a person, even though the Norwegian economy is going well, " says Sandmæl.
She encourages everyone to start the new year by taking a review of the economy.
- It is like beginning to exercise, you should not go too hard out and change everything at once. Set milestones, and start and are happy to set up a budget, " she says.Feel poorer This forbruksgjelden is dangerous Dagbladet Plus
- When the unemployment rate is low, most of the young experience a growth through 20-years, so there is certainly reason for optimism, the mean Change Jo Reite, privatøkonom in BN Bank.
as long As the young people get a job then they will normally get the quickly improving economy and wage growth, he points out.
- Although it is not expected a further decline in the unemployment rate, it will be at low levels. When many in the group go from school to work, and many are gradually increased wages in the job they have, will this be effects that dominate over the årssvingningene we have in the economy as a whole, " he says.
the Flare of house prices will do anything with how rich we feel, think Reite.
- There are plenty of them that gradually used by the boligprisveksten, who now have to think about loan repayments. Although it is not expected to be somewhat larger fall in prices will flatten house prices gradually do that we use less, and feel a little poorer.
"A significant group will notice the pressure from high debt, or other special circumstances." Change The Reite
That 17 per cent of households expect to actually get worse next year despite the fairly stable economic outlook, shows that we have a fairly reasonable picture of the private economy, he believes.
- most people will probably feel it unchanged or a little better, but a significant group will notice the pressure from high debt, or other special conditions.FLEXIBLE: It pays to pay down enough debt to have flexibility in the economy, " says privatøkonom Change The Reite. Photo: Frank Karlsen Show more
you Should have flexibility to for example., you should try to pay off his debt to the maximum of 70-75 percent of the boligverdi, and not take you a lot of other debt, advises the Reite.
- you Have very high debts, and hardly will get an equally large mortgage again, you should save at least as much, but not pay additional installments before you have an adequate buffer, you can control over yourself.Took the second job
Ingeborg Bern set up a budget and got an overview of absolutely everything that went into and out of the account.Christina was 16 years old when she inherited a castle and 25 million in debt Dagbladet Plus
There was a lot of waste, a coffee here and there, a lot of unnecessary shopping, city tours with your friends. When I looked at the math, I realized that it went much more out of the account than I get in.
There was nothing else to do than to cut. She canceled Spotify, took packed lunches to work and trained for free in the basement at the workplace instead of paying for the gym. Expensive foods were replaced with cheaper varieties.
I had not very high wages, under 420 000 in the annual wage at the time, so I had to bring in some more income. First, I chose to rent out a room in the apartment, but went eventually to rent it out on airbnb.
Total she got into 72 250 million to rent out a small room. It was good money, and she managed to pay off the forbrukslånet in June.
Then had Bern a full clean-up at home and got sold away a lot of clothes and other equipment on the find.no.
- In august I got a second job as a user-driven personal assistant, BPA. It is both rewarding and remunerative, so I've gotten into the ca. 70 000 since I started in the job.SPAREDILLA: Ingeborg Bern, here together with the dog Chubby, think 2020 is a good year for your wallet. Now enter 29-year-old e-book about how she managed to get rid of forbruksgjelda and began to save. - Motivasjonsdriveren for me has been to have someone to "report" progress to, " says Bern on its own instagramkonto @gjeldsfri. Photo: Eivind Senneset View more share purchase savings schemes
Thus got the Bern also paid off his debt to his father and reached in august the goal to have housing and student loans. Together she has paid down closer to 125 000 in debt since January.
She sat also aims to save up a financial buffer, and in september, she had put aside 25 000. At the same time, she began to save 1000 money each month in mutual fund.
"When I looked at the math, I realized that it went much more out of the account than I get in." Ingeborg Bern
I Would have been sitting at home all the time and refused me all of the fun, had I not done this. I was going to have to prioritize a little more stringent what are the things I did want to be with, instead of to be with on absolutely everything.
Already she is now in the process of setting up a budget for the next year.
I must have a new car for the summer, and have no desire to take up a car loan. The plan is to save up to 50 000 by the summer. What shall I clear.Take pengegrep at the start of the new year: Remember that the start of the year is a period with a lot of bills, so the start saving in January it will usually be possible to increase the ambition a bit throughout the year. Rain over the tax assessment , and think everything now on how to handle any baksmell.Many fear the dark clouds in the stock market. It means little to you that s mate evenly in spareavtaler . But you have a lot accumulated, and may only be a few years until you need the money, it's never a good idea to gamble away your winnings on the home stretch. Saves you in kombinasjonsfond or on the account, and have a lot of debt, you should also consider to either save money to pay down on his debt di. the Repayment of the lay n is profitable and makes your economy less vulnerable if something should happen. Saves you with high renteandel and at the same time has debt, suppresses the fluctuations in the saving. But you lose the difference between the interest rates you get, and the significantly higher rates you pay off the debt di.Few banks mention the repayment of loans, such as savings, but you pay down boliggjelda until you are a pensioner, you will be able to get by with a small reduction in consumption even if you do not have saved as much beyond pensjonssparingen.
Source: Change The ReiteSo get your finances in 2020 Dagbladet Plus