28/10/2022

Spare eller unne deg litt ekstra: slik bruker du pengene dine smartest mulig

Penger er noe vi har et forhold til hele det voksne livet vårt. Likevel snakker vi svært lite om penger, og dette er noe som kan bidra til at man kanskje ikke helt føler seg så selvsikker når det kommer til hvordan man skal håndtere dem. For hva er det egentlig man burde prioritere når det kommer til sparing, og når kan man unne seg litt ekstra? Dette skal vi komme nærmere inn på i denne artikkelen. 

Det aller viktigste når det kommer til hvor du kan spare og hvor du kan unne deg litt ekstra, er å finne ut av hva som betyr noe for deg, og svaret på dette er svært individuelt. Det er for eksempel noen som vil si at casino spill er på denne listen. Besøk www.norgekasino.com/ hvis spill er noe for deg, men lag et budsjett når du velger hvilke ting du synes er verdt å prioritere. Det kommer vi tilbake til, så la oss se på sparing først. 

Når bør du spare?

Det finnes mange situasjoner i livet der det er smart å spare, men det handler hele tiden om prioriteringer, og det er mange som kanskje ikke er helt sikre på hvordan de skal gå frem. Derfor skal du få en liste med det du burde tenke over her – slik at du kan ta bedre valg når det kommer til hvor du kan spare. Ofte kan du spare flere steder enn du tror.  

Dette er noe av det du bør tenke over når du skal finne ut av hvor du kan spare: 

  • Hva betyr noe for deg og hva betyr mindre for deg? 
  • Hvor er det billigere alternativer som føles like gode? 

Her kan du for eksempel se på ting som merkevarer innenfor både mat, klær og andre ting. Ofte finnes det billige og like gode alternativer. Det å ta sykkelen eller bussen i stedet for bilen er også gode steder å spare, og når man tenker på strømprisene, er også dusjen og gaming-maskinen ting det kan lønne seg å spare på. 

Når bør du unne deg litt ekstra?

Det er nesten akkurat like mange svar på dette, som det er på hvilke situasjoner du burde spare, og de er like individuelle. 

Du burde unne deg noe ekstra når: 

  • Det gir det mye glede 
  • Det gjør at hverdagen føles litt enklere 
  • Når du skal kose deg eller vil feire noe 
  • Noe betyr mye for deg 
  • Det du kjøper gir deg mer glede enn bare i øyeblikket 

Her er det vanskelig å lage en liste med eksempler, for dette er noe som er ekstremt individuelt. 

Derfor bør du ha et budsjett

Når du skal unne deg noe, som for eksempel å kjøpe deg klær, dra på ferie eller å spille casino spill på nett, er det viktig at du har et budsjett. Det høres kanskje kjedelig ut, men viktigheten av å ha et budsjett er tett knyttet til den gode følelsen av å unne seg noe. Når man vet at man har råd til det, føles det nemlig mye bedre å unne seg noe, enn hvis man er usikker på om man kanskje egentlig hadde råd.  

Når man for eksempel spiller casino spill på nett, er det også risiko for å tape penger, så her er det ekstra viktig å vite hva man faktisk har råd til å ikke bare bruke, men også potensielt tape. Det samme gjelder litt når det kommer til ferie. For ofte undervurderer vi hva det koster når vi er på tur og bruker mer enn det vi burde ha gjort. Ekspertene sier derfor at vi skal budsjettere med 20% mer enn det egentlige budsjettet vårt, og hvis vi ikke har råd til det burde vi ikke dra.  

We use cookies to personalise content and ads, to provide social media features and to analyse our traffic. We also share information about your use of our site with our social media, advertising and analytics partners.
Cookies settings
Accept
Privacy & Cookie policy
Privacy & Cookies policy
Cookie name Active

Privacy Policy

What information do we collect?

We collect information from you when you register on our site or place an order. When ordering or registering on our site, as appropriate, you may be asked to enter your: name, e-mail address or mailing address.

What do we use your information for?

Any of the information we collect from you may be used in one of the following ways: To personalize your experience (your information helps us to better respond to your individual needs) To improve our website (we continually strive to improve our website offerings based on the information and feedback we receive from you) To improve customer service (your information helps us to more effectively respond to your customer service requests and support needs) To process transactions Your information, whether public or private, will not be sold, exchanged, transferred, or given to any other company for any reason whatsoever, without your consent, other than for the express purpose of delivering the purchased product or service requested. To administer a contest, promotion, survey or other site feature To send periodic emails The email address you provide for order processing, will only be used to send you information and updates pertaining to your order.

How do we protect your information?

We implement a variety of security measures to maintain the safety of your personal information when you place an order or enter, submit, or access your personal information. We offer the use of a secure server. All supplied sensitive/credit information is transmitted via Secure Socket Layer (SSL) technology and then encrypted into our Payment gateway providers database only to be accessible by those authorized with special access rights to such systems, and are required to?keep the information confidential. After a transaction, your private information (credit cards, social security numbers, financials, etc.) will not be kept on file for more than 60 days.

Do we use cookies?

Yes (Cookies are small files that a site or its service provider transfers to your computers hard drive through your Web browser (if you allow) that enables the sites or service providers systems to recognize your browser and capture and remember certain information We use cookies to help us remember and process the items in your shopping cart, understand and save your preferences for future visits, keep track of advertisements and compile aggregate data about site traffic and site interaction so that we can offer better site experiences and tools in the future. We may contract with third-party service providers to assist us in better understanding our site visitors. These service providers are not permitted to use the information collected on our behalf except to help us conduct and improve our business. If you prefer, you can choose to have your computer warn you each time a cookie is being sent, or you can choose to turn off all cookies via your browser settings. Like most websites, if you turn your cookies off, some of our services may not function properly. However, you can still place orders by contacting customer service. Google Analytics We use Google Analytics on our sites for anonymous reporting of site usage and for advertising on the site. If you would like to opt-out of Google Analytics monitoring your behaviour on our sites please use this link (https://tools.google.com/dlpage/gaoptout/)

Do we disclose any information to outside parties?

We do not sell, trade, or otherwise transfer to outside parties your personally identifiable information. This does not include trusted third parties who assist us in operating our website, conducting our business, or servicing you, so long as those parties agree to keep this information confidential. We may also release your information when we believe release is appropriate to comply with the law, enforce our site policies, or protect ours or others rights, property, or safety. However, non-personally identifiable visitor information may be provided to other parties for marketing, advertising, or other uses.

Registration

The minimum information we need to register you is your name, email address and a password. We will ask you more questions for different services, including sales promotions. Unless we say otherwise, you have to answer all the registration questions. We may also ask some other, voluntary questions during registration for certain services (for example, professional networks) so we can gain a clearer understanding of who you are. This also allows us to personalise services for you. To assist us in our marketing, in addition to the data that you provide to us if you register, we may also obtain data from trusted third parties to help us understand what you might be interested in. This ‘profiling’ information is produced from a variety of sources, including publicly available data (such as the electoral roll) or from sources such as surveys and polls where you have given your permission for your data to be shared. You can choose not to have such data shared with the Guardian from these sources by logging into your account and changing the settings in the privacy section. After you have registered, and with your permission, we may send you emails we think may interest you. Newsletters may be personalised based on what you have been reading on theguardian.com. At any time you can decide not to receive these emails and will be able to ‘unsubscribe’. Logging in using social networking credentials If you log-in to our sites using a Facebook log-in, you are granting permission to Facebook to share your user details with us. This will include your name, email address, date of birth and location which will then be used to form a Guardian identity. You can also use your picture from Facebook as part of your profile. This will also allow us and Facebook to share your, networks, user ID and any other information you choose to share according to your Facebook account settings. If you remove the Guardian app from your Facebook settings, we will no longer have access to this information. If you log-in to our sites using a Google log-in, you grant permission to Google to share your user details with us. This will include your name, email address, date of birth, sex and location which we will then use to form a Guardian identity. You may use your picture from Google as part of your profile. This also allows us to share your networks, user ID and any other information you choose to share according to your Google account settings. If you remove the Guardian from your Google settings, we will no longer have access to this information. If you log-in to our sites using a twitter log-in, we receive your avatar (the small picture that appears next to your tweets) and twitter username.

Children’s Online Privacy Protection Act Compliance

We are in compliance with the requirements of COPPA (Childrens Online Privacy Protection Act), we do not collect any information from anyone under 13 years of age. Our website, products and services are all directed to people who are at least 13 years old or older.

Updating your personal information

We offer a ‘My details’ page (also known as Dashboard), where you can update your personal information at any time, and change your marketing preferences. You can get to this page from most pages on the site – simply click on the ‘My details’ link at the top of the screen when you are signed in.

Online Privacy Policy Only

This online privacy policy applies only to information collected through our website and not to information collected offline.

Your Consent

By using our site, you consent to our privacy policy.

Changes to our Privacy Policy

If we decide to change our privacy policy, we will post those changes on this page.
Save settings
Cookies settings