{"id":5532,"date":"2022-08-01T09:59:06","date_gmt":"2022-08-01T09:59:06","guid":{"rendered":"https:\/\/www.top5credits.com\/se\/?p=5532"},"modified":"2022-10-07T12:24:41","modified_gmt":"2022-10-07T12:24:41","slug":"budgetering","status":"publish","type":"post","link":"https:\/\/www.top5credits.com\/se\/personlig-ekonomi\/budgetering\/budgetering\/","title":{"rendered":"Budgetering"},"content":{"rendered":"\n

Om ens nettol\u00f6n \u00e4r, s\u00e4g, 20 000 kronor i m\u00e5naden, hur ska man betala f\u00f6r logi, mat, f\u00f6rs\u00e4kringar, h\u00e4lsobehov, skulder och n\u00f6jen utan att f\u00e5 slut p\u00e5 pengar? Det \u00e4r v\u00e4ldigt mycket att kunna betala f\u00f6r med begr\u00e4nsade medel, och vi pratar om ett nollsummespel.<\/p>\n\n\n\n

Svaret \u00e4r att skapa en budget.<\/h2>\n\n\n\n

Vad \u00e4r en budget? En budget \u00e4r en plan f\u00f6r varenda krona du har. Det \u00e4r inte magi, men det kan ge dig st\u00f6rre ekonomisk frihet och ett liv med mycket mindre stress. H\u00e4r g\u00e5r vi igenom hur du skapar och sedan hanterar din budget.<\/p>\n\n\n\n

Att f\u00f6rst\u00e5 budgeteringsprocessen<\/h2>\n\n\n\n

Klura ut vad din nettol\u00f6n \u00e4r: <\/strong>Om du f\u00e5r en regelbunden utbetalning av din l\u00f6n s\u00e5 \u00e4r den summan f\u00f6rmodligen allt du f\u00e5r, men om du har automatiska avdrag p\u00e5 din l\u00f6n som g\u00e5r till n\u00e5got slags sparande – l\u00e4gg till de pengarna i summan du r\u00e4knar p\u00e5 f\u00f6r att f\u00e5 en sann \u00f6verblick \u00f6ver ditt sparande och dina utgifter. Om du har andra typer av inkomst – kanske fr\u00e5n extrajobb vid sidan av din huvudsakliga syssels\u00e4ttning – d\u00e5 subtraherar du allt som minskar din inkomst, s\u00e5som skatter och f\u00f6retagskostnader.<\/p>\n\n\n\n

V\u00e4lj en budgeteringsplan:<\/strong> Den sortens budget du v\u00e4ljer att g\u00f6ra m\u00e5ste t\u00e4cka alla dina behov, en del av dina \u201cvill ha\u201d, och – detta \u00e4r j\u00e4tteviktigt – besparingar eller buffertar f\u00f6r n\u00f6dsituationer och framtiden. Namn p\u00e5 olika budgeteringsplaner \u00e4r till exempel \u201ckuvertsystemet\u201d och \u201cnollbaserad budget\u201d.<\/p>\n\n\n\n

F\u00f6lj dina framsteg:<\/strong> Dokumentera ditt spenderande eller anv\u00e4nd budgeterings- och sparande-verktyg online.<\/p>\n\n\n\n

Automatisera dina besparingar:<\/strong> Automatisera s\u00e5 mycket som m\u00f6jligt, s\u00e5 att de pengar du vill l\u00e4gga undan f\u00f6r n\u00e5got speciellt ocks\u00e5 l\u00e4ggs undan med minsta m\u00f6jliga anstr\u00e4ngning fr\u00e5n din sida. En \u201cansvarspartner\u201d eller st\u00f6dgrupp online kan hj\u00e4lpa dig s\u00e5 att du h\u00e5lls ansvarig f\u00f6r beslut du fattar som spr\u00e4cker budgeten.<\/p>\n\n\n\n

\u00d6va p\u00e5 att sk\u00f6ta din budget:<\/strong> Din inkomst och dina utgifter och prioriteringar kommer att f\u00f6r\u00e4ndras \u00f6ver tid s\u00e5 h\u00e5ll aktiv koll p\u00e5 din budget genom att se \u00f6ver den ofta, kanske en g\u00e5ng i kvartalet.<\/p>\n\n\n\n

Till\u00e5t att upp till 50% av din inkomst g\u00e5r till behov<\/h2>\n\n\n\n

Dina behov – ungef\u00e4r 50% av din nettol\u00f6n – borde inkludera:<\/h3>\n\n\n\n
  • Matvaror<\/li>
  • Boendekostnader<\/li>
  • Grundl\u00e4ggande tj\u00e4nster<\/li>
  • Transporter<\/li>
  • F\u00f6rs\u00e4kringar<\/li>
  • Avbetalning av l\u00e5n<\/li>
  • Barnomsorg eller andra utgifter<\/li><\/ul>\n\n\n\n

    Om alla kostnader som \u00e4r absolut n\u00f6dv\u00e4ndiga \u00f6verstiger 50% av din nettol\u00f6n, s\u00e5 beh\u00f6ver du kanske ta extra fr\u00e5n din ”vill ha”-del av budgeten under en period. Det \u00e4r inte v\u00e4rldens underg\u00e5ng, men du kommer att beh\u00f6va f\u00f6r\u00e4ndra s\u00e4ttet du spendera pengar p\u00e5.<\/p>\n\n\n\n

    \u00c4ven om alla n\u00f6dv\u00e4ndigheter faller under 50%-gr\u00e4nsen s\u00e5 kan det vara klokt att g\u00e5 igenom dessa fasta utgifter d\u00e5 och d\u00e5. Du kanske hittar ett b\u00e4ttre mobilabonnemang, mer f\u00f6rm\u00e5nliga villkor f\u00f6r dina r\u00f6rliga boendekostnader, eller billigare bilf\u00f6rs\u00e4kring. Det skulle ge dig st\u00f6rre ekonomiskt utrymme inom andra omr\u00e5den.<\/p>\n\n\n\n

    L\u00e4gg 30% av din inkomst p\u00e5 s\u00e5dant du vill ha<\/h3>\n\n\n\n

    Att skilja p\u00e5 s\u00e5dant du vill ha och s\u00e5dant du beh\u00f6ver kan vara sv\u00e5rt. Generellt sett \u00e4r dock ”behov” s\u00e5dant som \u00e4r n\u00f6dv\u00e4ndigt f\u00f6r att kunna leva och arbeta. Typiska ”vill ha” \u00e4r exempelvis presenter, att \u00e4ta ute, resor och underh\u00e5llning.<\/p>\n\n\n\n

    Det \u00e4r inte alltid l\u00e4tt att komma fram till vad som \u00e4r vad. \u00c4r spabes\u00f6k en vilja eller ett behov? Och hur \u00e4r det med ekologisk mat? Vilka beslut man fattar h\u00e4r varierar fr\u00e5n person till person.<\/p>\n\n\n\n

    Om du \u00e4r angel\u00e4gen att ta dig ur skulder s\u00e5 fort som m\u00f6jligt, s\u00e5 kan det vara bra att v\u00e4nta med alla ”vill ha” tills du har lite besparingar eller dina skulder \u00e4r under kontroll. Men din budget borde inte vara s\u00e5 stel att du aldrig kan k\u00f6pa n\u00e5got bara f\u00f6r att du vill.<\/p>\n\n\n\n

    Varje budget beh\u00f6ver b\u00e5de sv\u00e4ngrum – du kanske gl\u00f6mde bort en utgift eller drog p\u00e5 dig en som var st\u00f6rre \u00e4n f\u00f6rv\u00e4ntat – och en del pengar som \u00e4r menade att anv\u00e4ndas hur du \u00e4n vill.<\/p>\n\n\n\n

    Din budget \u00e4r ett verktyg som \u00e4r till f\u00f6r att hj\u00e4lpa dig, och ska aldrig vara som en tv\u00e5ngstr\u00f6ja som hindrar dig fr\u00e5n att njuta av livet. Om du inte har lagt undan n\u00e5gra pengar som \u00e4r till f\u00f6r rena n\u00f6jen s\u00e5 kommer du att vara mindre ben\u00e4gen att f\u00f6lja din budget – och en bra budget \u00e4r en du h\u00e5ller dig till.<\/p>\n\n\n\n

    Budgetering kan hj\u00e4lpa dig att undvika skulder och f\u00f6rb\u00e4ttra din kredit<\/h3>\n\n\n\n

    N\u00e4r du h\u00e5ller dig till en budget s\u00e5 undviker du att spendera mer \u00e4n du tj\u00e4nar, och du kan undvika eller minska kreditkortsskulder. Om du har tagit studiel\u00e5n f\u00f6r att kunna g\u00e5 en utbildning s\u00e5 kan en budget hj\u00e4lpa dig att f\u00e5 ut s\u00e5 mycket som m\u00f6jligt av de pengar du l\u00e5nat, och ocks\u00e5 hj\u00e4lpa dig att avg\u00f6ra hur l\u00e5ng tid pengarna kommer ta att betala tillbaka och hur mycket det kommer att kosta. Om du tar l\u00e5n s\u00e5 kommer det att vara positivt f\u00f6r din kreditv\u00e4rdighet och din ekonomiska framtid ifall du kan betala det du m\u00e5ste i tid varje m\u00e5nad.<\/p>\n\n\n\n

    Hur balanserar jag jobb och utbildning?<\/h3>\n\n\n\n

    F\u00f6r vissa studenter \u00e4r det ett m\u00e5ste att jobba medan de studerar; f\u00f6r andra \u00e4r det ett s\u00e4tt att bygga upp sitt CV eller tj\u00e4na extra pengar att kunna l\u00e4gga p\u00e5 n\u00f6jen. Vad anledningen \u00e4n \u00e4r s\u00e5 \u00e4r det viktigt att k\u00e4nna till f\u00f6r- och nackdelarna med att jobba samtidigt som du studerar.<\/p>\n\n\n\n

    Om du har ett jobb, s\u00e5 kom fram till hur m\u00e5nga timmar du kan jobba varje vecka medan du fortfarande kan h\u00e4nga med i ditt schema och lyckas klara av kraven f\u00f6r din utbildning. Att klara av att uppr\u00e4tth\u00e5lla ett schema med begr\u00e4nsad fritid \u00e4r ett utm\u00e4rkt s\u00e4tt att f\u00f6rbereda sig inf\u00f6r framtiden. Men kom ih\u00e5g att du kan komma att beh\u00f6va l\u00e4sa f\u00e4rre po\u00e4ng varje termin f\u00f6r att kunna sk\u00f6ta ditt arbete. T\u00e4nk p\u00e5 att deltidsstudier f\u00f6r med sig en f\u00f6rdr\u00f6jd examen och skjuter upp din m\u00f6jlighet att f\u00e5 en h\u00f6gre inkomst.<\/p>\n\n\n\n

    Genom att l\u00e4sa fler kurser kan du eventuellt ta examen tidigare. Ett alternativ kan vara att l\u00e4sa extra kurser under sommaren f\u00f6r att l\u00e4ttare balansera jobb och skola under l\u00e4s\u00e5ret, och d\u00e4rmed \u00e4nd\u00e5 ta examen i tid.<\/p>\n\n\n\n

    Vad borde jag veta om budgetering n\u00e4r jag g\u00e5tt ut skolan?<\/h3>\n\n\n\n

    Dina utgifter kommer att f\u00f6r\u00e4ndras n\u00e4r du v\u00e4l \u00e4r klar med skolan. N\u00e4r du g\u00e5tt ut, s\u00e5 kommer det vara bra att uppdatera din budget s\u00e5 att den inkluderar din nya inkomst och dina nya levnadskostnader. Att l\u00e4mna skollivet kan vara en sp\u00e4nnande (och stressig) tid, men du kommer att tacka dig sj\u00e4lv i efterhand om du forts\u00e4tter h\u00e5lla koll p\u00e5 och sk\u00f6ta din ekonomi.<\/p>\n\n\n\n

    Medan du g\u00e5r igenom f\u00f6r\u00e4ndringar i ditt liv s\u00e5 kommer du beh\u00f6va forts\u00e4tta omv\u00e4rdera din inkomst och dina utgifter, igen och igen. Dina m\u00e5l kommer ocks\u00e5 att f\u00f6r\u00e4ndras. Du kanske vill k\u00f6pa en bil, gifta dig, skaffa barn, forts\u00e4tta din utbildning, eller starta ett f\u00f6retag, och alla dessa saker p\u00e5verkar din budget p\u00e5 n\u00e5got s\u00e4tt. Se din budget som ett levande dokument. Du har makten att se \u00f6ver det n\u00e4r som helst f\u00f6r att forts\u00e4tta sk\u00f6ta din ekonomi och lyckas n\u00e5 dina m\u00e5l.<\/p>\n","protected":false},"excerpt":{"rendered":"

    Om ens nettol\u00f6n \u00e4r, s\u00e4g, 20 000 kronor i m\u00e5naden, hur ska man betala f\u00f6r logi, mat, f\u00f6rs\u00e4kringar, h\u00e4lsobehov, skulder och n\u00f6jen utan att f\u00e5<\/p>\n

    Forts\u00e4tt l\u00e4sa Budgetering<\/span><\/p>\n","protected":false},"author":22,"featured_media":5548,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"page-artikkeli.php","format":"standard","meta":{"footnotes":""},"categories":[196],"tags":[],"class_list":["post-5532","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-budgetering","entry"],"yoast_head":"\nBudgetering - Top5Credits<\/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.top5credits.com\/se\/personlig-ekonomi\/budgetering\/budgetering\/\" \/>\n<meta property=\"og:locale\" content=\"sv_SE\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Budgetering - Top5Credits\" \/>\n<meta property=\"og:description\" content=\"Om ens nettol\u00f6n \u00e4r, s\u00e4g, 20 000 kronor i m\u00e5naden, hur ska man betala f\u00f6r logi, mat, f\u00f6rs\u00e4kringar, h\u00e4lsobehov, skulder och n\u00f6jen utan att f\u00e5Forts\u00e4tt l\u00e4sa Budgetering\" \/>\n<meta property=\"og:url\" content=\"https:\/\/www.top5credits.com\/se\/personlig-ekonomi\/budgetering\/budgetering\/\" \/>\n<meta property=\"og:site_name\" content=\"Top5Credits.com Sverige\" \/>\n<meta property=\"article:publisher\" content=\"https:\/\/www.facebook.com\/Top5Credits-Sverige-380562019248980\" \/>\n<meta property=\"article:published_time\" content=\"2022-08-01T09:59:06+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2022-10-07T12:24:41+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/cdn.top5credits.com\/se\/wp-content\/uploads\/sites\/3\/2022\/08\/Budgetering.jpg?cdn=1.1.5\" \/>\n\t<meta property=\"og:image:width\" content=\"1200\" \/>\n\t<meta property=\"og:image:height\" content=\"630\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/jpeg\" \/>\n<meta name=\"author\" content=\"Alex\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:label1\" content=\"Skriven av\" \/>\n\t<meta name=\"twitter:data1\" content=\"Alex\" \/>\n\t<meta name=\"twitter:label2\" content=\"Ber\u00e4knad l\u00e4stid\" \/>\n\t<meta name=\"twitter:data2\" content=\"6 minuter\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\\\/\\\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\\\/\\\/www.top5credits.com\\\/se\\\/personlig-ekonomi\\\/budgetering\\\/budgetering\\\/#article\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/www.top5credits.com\\\/se\\\/personlig-ekonomi\\\/budgetering\\\/budgetering\\\/\"},\"author\":{\"name\":\"Alex\",\"@id\":\"https:\\\/\\\/www.top5credits.com\\\/se\\\/#\\\/schema\\\/person\\\/0c6a6248e28fe94adb93261d338889c1\"},\"headline\":\"Budgetering\",\"datePublished\":\"2022-08-01T09:59:06+00:00\",\"dateModified\":\"2022-10-07T12:24:41+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\\\/\\\/www.top5credits.com\\\/se\\\/personlig-ekonomi\\\/budgetering\\\/budgetering\\\/\"},\"wordCount\":1377,\"publisher\":{\"@id\":\"https:\\\/\\\/www.top5credits.com\\\/se\\\/#organization\"},\"image\":{\"@id\":\"https:\\\/\\\/www.top5credits.com\\\/se\\\/personlig-ekonomi\\\/budgetering\\\/budgetering\\\/#primaryimage\"},\"thumbnailUrl\":\"https:\\\/\\\/www.top5credits.com\\\/se\\\/wp-content\\\/uploads\\\/sites\\\/3\\\/2022\\\/08\\\/Budgetering.jpg\",\"articleSection\":[\"Budgetering\"],\"inLanguage\":\"sv-SE\"},{\"@type\":\"WebPage\",\"@id\":\"https:\\\/\\\/www.top5credits.com\\\/se\\\/personlig-ekonomi\\\/budgetering\\\/budgetering\\\/\",\"url\":\"https:\\\/\\\/www.top5credits.com\\\/se\\\/personlig-ekonomi\\\/budgetering\\\/budgetering\\\/\",\"name\":\"Budgetering - 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