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Overblikk over økonomien din

Det er mange som ikke har overblikk over den personlige økonomien. Det er faktisk ingen hemmelighet. Mange krangler med matte og tal, og de kan bli helt stresset ved tanken om å sette seg ned og se økonomien deres i øynene. Kanskje du er en av de? Men du skal ikke være flau. Det er ikke noe galt i att bekymre seg om sin økonomi, og det er faktisk noe alle burde gjøre. Men man må også ta kampen opp og få kontrollen over økonomien sin. På den måten kan man ta en stor byrde vekk, og det blir mye lettere å ta valg i fremtiden. Kanskje du faktisk har råd på at kjøpe den båten du alltid har drømt om, eller ta den utdannelse i utlandet, som du ikke trodde du ville få økonomi til? Kanskje du skal spare mer på ett område for å få økonomien din i balanse. Det er mange ”kanskjer”, men du kan først besvare dem når du får et skikkelig overblikk over din personlige økonomi. Det finnes profesjonelle og utdannet folk som kan hjelpe deg, hvis du føler du trenger hjelp til at komme skikkelig i gang og få arbeidet gjort ordentlig med en gang, men du kan også gjøre forsøket selv i første omgangen.

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Første gang du skal ta opp et lån

Du har endelig utsett deg den bolig du vil investere og bo i. Kanskje det er første gangen du skal flytte hjemmefra og du har hittet en herlig leilighet. Eller kanskje du har funnet ut av at du kommer til å trenge bil i fremtiden. Uansett hva du går og lurer på at investere i, så bruker de fleste store kjøp være av så høy pris, at du trenger å ta opp et lån for at klare betalingen for det. Det er helt greit det. Men det er mange saker man skal forberede og overveie innen et lån. Det er raskt at gå ned i banken og få rådgivning om din personlige økonomi og om hvilke lån der passer til deg, samt hvilke lån du har råd til at ta opp. Det er jo stor forskjell på lån, og du kan ta opp lån helt ned til få hundrede kroner og helt opp til flere millioner. Men alt dette beror sig på din personlige økonomi og bankens vurdering om du er i stand til at betale lånet med renter tilbake. Førstegangslånere har uten tvil mange spørsmål, og du skal ikke være redd for å spørre din bank eller långiver til råds. Det er viktig at du er hundrede prosent sikker på at du er i stand til at ta opp et lån, for det er ikke meningen at lånet skal pine deg i nedbetalingstiden. Det er ikke gøy å stå i gjeld hele tiden og ikke greie at ha noe penger til seg selv, men bare ha akkurat råd til å betale lånet tilbake. Det er derfor at det er en god idé at få kontroll og overblikk over din personlige økonomi.nor

Published in Økonomi


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