P\u00e9ningakallar fullyr\u00f0a a\u00f0 h\u00e6gt s\u00e9 a\u00f0 spara \u00f3h\u00e1\u00f0 tekjum. \u00c9g hef alltaf sottla tr\u00fa \u00e1 \u00fev\u00ed a\u00f0 \u00feeir sem eru r\u00edkir viti eitthva\u00f0 um fj\u00e1rm\u00e1l svo \u00e9g held a\u00f0 \u00fea\u00f0 hlj\u00f3ti a\u00f0 vera eitthva\u00f0 til \u00ed \u00feessu. Samt er \u00e9g ekki alveg sannf\u00e6r\u00f0.<\/p>\n
S\u00e1 sem hefur millj\u00f3n \u00e1 m\u00e1nu\u00f0i \u00ed r\u00e1\u00f0st\u00f6funartekjur getur auglj\u00f3slega spara\u00f0. En hva\u00f0 um \u00feann sem hefur engar tekur? \u00deann sem er \u00e1 framf\u00e6ri annarra og hefur ekkert r\u00e1\u00f0st\u00f6funarf\u00e9? Hann sparar au\u00f0vita\u00f0 ekki nema einhver gefi honum peninga, \u00fea\u00f0 hlj\u00f3ta allir a\u00f0 vi\u00f0urkenna.<\/p>\n
Getur \u00fe\u00e1 s\u00e1 sem lifir \u00e1 l\u00e1gmarksb\u00f3tum spara\u00f0? Hvar eru m\u00f6rkin? Kannski hugmyndin um almenna sparna\u00f0argetu byggist \u00e1 \u00fev\u00ed a\u00f0 b\u00f6rn og a\u00f0rir sem hafa engin fj\u00e1rr\u00e1\u00f0 f\u00e1i stundum 1000 kall \u00ed amm\u00e6lisgj\u00f6f og geti \u00fe\u00e1 lagt hann \u00ed banka \u00fear sem \u00feeir \u00feurfa ekki a\u00f0 borga af kreditkortum e\u00f0a kaupa \u00ed matinn? Kannski er \u00fe\u00e1 eftir allt saman raunh\u00e6ft a\u00f0 allir geti spara\u00f0 \u00fear sem allir hlj\u00f3ti \u00ed raun a\u00f0 hafa einhverjar tekjur?<\/p>\n
S\u00e1 sem hefur bara 100.000 \u00e6tti allavega a\u00f0 geta spara\u00f0 miklu meira en s\u00e1 sem hefur engar tekjur. \u00de.e.a.s. hann getur alveg teki\u00f0 10.000 kall af launum s\u00ednum e\u00f0a bara 1000 kall og lagt \u00ed banka og l\u00e1ti\u00f0 restina duga. Nema n\u00e1tt\u00farulega a\u00f0 hann s\u00e9 kominn \u00ed skuldir og me\u00f0 yfirdr\u00e1tt og kreditkort og allan \u00feann pakka. \u00c9g \u00feekki reyndar ekki marga me\u00f0 100.000 \u00e1 m\u00e1nu\u00f0i sem eru ekki \u00ed skuldum en l\u00edklega \u00feekki \u00e9g bara eymingja. \u00dea\u00f0 hl\u00fdtur a\u00f0 gefa auga lei\u00f0 a\u00f0 ef \u00fatgj\u00f6ldin eru h\u00e6rri en tekjurnar \u00fe\u00e1 anna\u00f0hvort sleppir f\u00f3lk \u00fev\u00ed a\u00f0 grei\u00f0a hluta \u00fatgjaldanna og f\u00e6r \u00fear me\u00f0 \u00e1 sig dr\u00e1ttarvexti og l\u00f6gfr\u00e6\u00f0ikostna\u00f0, e\u00f0a \u00fea\u00f0 kemur s\u00e9r \u00ed meiri skuldir strax til a\u00f0 draga a\u00f0eins \u00far vanskilakostna\u00f0i. \u00c9g held allavega a\u00f0 \u00fea\u00f0 \u00fe\u00e6tti ekki s\u00e9rlega skynsamlegt a\u00f0 leggja 5000 kall inn \u00e1 bankab\u00f3k ef dr\u00e1ttarvextirnir \u00e1 s\u00ed\u00f0asta visareikningi eru enn\u00fe\u00e1 \u00f3greiddir. Kannski er lausnin fyrir l\u00e1glaunaf\u00f3lk bara s\u00fa a\u00f0 bi\u00f0ja um \u00fe\u00fasundkall \u00ed amm\u00e6lisgj\u00f6f og byrja a\u00f0 spara \u00f3h\u00e1\u00f0 skuldum?<\/p>\n
\u00c9g skal me\u00f0 semingi \u00fe\u00f3 fallast \u00e1 a\u00f0 h\u00e6gt s\u00e9 a\u00f0 spara \u00f3h\u00e1\u00f0 tekjum. \u00dea\u00f0 hl\u00fdtur a\u00f0 vera h\u00e6gt a\u00f0 spara \u00f3h\u00e1\u00f0 tekjum fyrst er h\u00e6gt a\u00f0 reykja \u00f3h\u00e1\u00f0 tekjum.<\/p>\n
\u00c9g er hinsvegar \u00e1 \u00fev\u00ed a\u00f0 \u00fea\u00f0 s\u00e9 ekki raunh\u00e6ft a\u00f0 spara \u00f3h\u00e1\u00f0 skuldum. Samt er h\u00e6gt a\u00f0 reykja \u00f3h\u00e1\u00f0 skuldum. \u00dea\u00f0 er eitthva\u00f0 \u00ed \u00feessu d\u00e6mi sem gengur ekki upp. \u00c9g er l\u00edklega ekki efni \u00ed fj\u00e1rm\u00e1lasnilling.<\/p>\n
\u00c9g er allavega b\u00fain a\u00f0 taka upp \u00fe\u00e1 stefnu a\u00f0 \u00e1 m\u00ednu heimili s\u00e9 h\u00e6gt a\u00f0 stunda leikh\u00fas og a\u00f0ra menningu \u00f3h\u00e1\u00f0 tekjum og skuldum.<\/p>\n","protected":false},"excerpt":{"rendered":"
P\u00e9ningakallar fullyr\u00f0a a\u00f0 h\u00e6gt s\u00e9 a\u00f0 spara \u00f3h\u00e1\u00f0 tekjum. \u00c9g hef alltaf sottla tr\u00fa \u00e1 \u00fev\u00ed a\u00f0 \u00feeir sem eru r\u00edkir viti eitthva\u00f0 um fj\u00e1rm\u00e1l svo \u00e9g held a\u00f0 \u00fea\u00f0 hlj\u00f3ti a\u00f0 vera eitthva\u00f0 til \u00ed \u00feessu. Samt er \u00e9g … Halda \u00e1fram a\u00f0 lesa