Warning: include_once(/customers/c/c/4/gentlemannaguiden.com/httpd.www/wp-content/plugins/cookie-notice//includes/modules/contact-form-7/privacy-consent.php): Failed to open stream: No such file or directory in /customers/c/c/4/gentlemannaguiden.com/httpd.www/wp-content/plugins/cookie-notice/includes/privacy-consent.php on line 132 Warning: include_once(): Failed opening '/customers/c/c/4/gentlemannaguiden.com/httpd.www/wp-content/plugins/cookie-notice//includes/modules/contact-form-7/privacy-consent.php' for inclusion (include_path='.:/usr/share/php') in /customers/c/c/4/gentlemannaguiden.com/httpd.www/wp-content/plugins/cookie-notice/includes/privacy-consent.php on line 132 Warning: Cannot modify header information - headers already sent by (output started at /customers/c/c/4/gentlemannaguiden.com/httpd.www/wp-content/plugins/cookie-notice/includes/privacy-consent.php:132) in /customers/c/c/4/gentlemannaguiden.com/httpd.www/wp-includes/rest-api/class-wp-rest-server.php on line 1893 Warning: Cannot modify header information - headers already sent by (output started at /customers/c/c/4/gentlemannaguiden.com/httpd.www/wp-content/plugins/cookie-notice/includes/privacy-consent.php:132) in /customers/c/c/4/gentlemannaguiden.com/httpd.www/wp-includes/rest-api/class-wp-rest-server.php on line 1893 Warning: Cannot modify header information - headers already sent by (output started at /customers/c/c/4/gentlemannaguiden.com/httpd.www/wp-content/plugins/cookie-notice/includes/privacy-consent.php:132) in /customers/c/c/4/gentlemannaguiden.com/httpd.www/wp-includes/rest-api/class-wp-rest-server.php on line 1893 Warning: Cannot modify header information - headers already sent by (output started at /customers/c/c/4/gentlemannaguiden.com/httpd.www/wp-content/plugins/cookie-notice/includes/privacy-consent.php:132) in /customers/c/c/4/gentlemannaguiden.com/httpd.www/wp-includes/rest-api/class-wp-rest-server.php on line 1893 Warning: Cannot modify header information - headers already sent by (output started at /customers/c/c/4/gentlemannaguiden.com/httpd.www/wp-content/plugins/cookie-notice/includes/privacy-consent.php:132) in /customers/c/c/4/gentlemannaguiden.com/httpd.www/wp-includes/rest-api/class-wp-rest-server.php on line 1893 Warning: Cannot modify header information - headers already sent by (output started at /customers/c/c/4/gentlemannaguiden.com/httpd.www/wp-content/plugins/cookie-notice/includes/privacy-consent.php:132) in /customers/c/c/4/gentlemannaguiden.com/httpd.www/wp-includes/rest-api/class-wp-rest-server.php on line 1893 Warning: Cannot modify header information - headers already sent by (output started at /customers/c/c/4/gentlemannaguiden.com/httpd.www/wp-content/plugins/cookie-notice/includes/privacy-consent.php:132) in /customers/c/c/4/gentlemannaguiden.com/httpd.www/wp-includes/rest-api/class-wp-rest-server.php on line 1893 Warning: Cannot modify header information - headers already sent by (output started at /customers/c/c/4/gentlemannaguiden.com/httpd.www/wp-content/plugins/cookie-notice/includes/privacy-consent.php:132) in /customers/c/c/4/gentlemannaguiden.com/httpd.www/wp-includes/rest-api/class-wp-rest-server.php on line 1893 {"id":49,"date":"2010-11-04T15:07:44","date_gmt":"2010-11-04T15:07:44","guid":{"rendered":"http:\/\/gentlemannaguiden.com\/?p=49"},"modified":"2020-10-29T08:13:48","modified_gmt":"2020-10-29T07:13:48","slug":"ta-kontroll-over-din-privatekonomi","status":"publish","type":"post","link":"https:\/\/gentlemannaguiden.com\/ta-kontroll-over-din-privatekonomi\/","title":{"rendered":"Ta kontroll \u00f6ver din privatekonomi"},"content":{"rendered":"
Vi lever just nu i en tid d\u00e4r det privata sparandet \u00e4r l\u00e4gst vad det varit sedan den stora depressionen (1929-1940). I USA \u00e4r l\u00e4get speciellt allvarligt, men \u00e4ven i de flesta andra av de v\u00e4sterl\u00e4ndska ekonomier ser vi samma tendenser. N\u00e4r vi g\u00e5r tillbaka 20 \u00e5r i tiden var normalt med att \u00f6ver 10 % av l\u00f6nen gick direkt till sparande. S\u00e5 sent som 1994 var niv\u00e5n p\u00e5 privatsparandet n\u00e4stan 5 % f\u00f6r amerikaner.<\/p>\n
\u00c5r 2006 hade var det privata sparandet redan under noll, vilket betydde att amerikanerna spenderade mera \u00e4n de tj\u00e4nade under ett \u00e5r. \u00c4ven om Europeerna g\u00f6r b\u00e4ttre ifr\u00e5n sig i j\u00e4mf\u00f6relse, \u00e4r trenden likadan hos oss. F\u00f6r att ta ett exempel har svenska folkets skulder som procent av f\u00f6rv\u00e4rvsinkomst kraftigt \u00f6kat de senaste \u00e5ren. Runt \u00e5r 2002 passerade de samlade skulderna de samlade f\u00f6rv\u00e4rvsinkomsterna f\u00f6r svenskarna.<\/p>\n
Dessa fakta kan ses ur m\u00e5nga synvinklar, men i stort kan det dock konstateras att man i dagens samh\u00e4lle inte alls har samma respekt f\u00f6r skulds\u00e4ttning som tidigare generationer haft. Nuf\u00f6rtiden ses skulds\u00e4ttning som en naturlig del av livet. Detta beh\u00f6ver inte vara n\u00e5got alarmerande om de skuldsatta har kontroll p\u00e5 l\u00e4get och \u00e4r s\u00e5 kunniga inom ekonomi s\u00e5 att man vet vad man sysslar med.<\/p>\n
Det har dock visat sig att det finns en utbredd ekonomisk okunskap i v\u00e5rt samh\u00e4lle, d\u00e4r personer som beviljats stora l\u00e5n inte n\u00f6dv\u00e4ndigtvis ens vet vad det kostar att ha dessa l\u00e5n. T.o.m grundl\u00e4ggande ekonomiska begrepp som r\u00e4nta och hur denna fungerar kan i vissa fall vara oklar.<\/p>\n
Utan att desto mer moralisera om bristande ekonomisk kunskap bland oss medelsvenssons kan vi konstatera att det f\u00f6r de flesta av oss beh\u00f6vs kunskaper i hur man tar kontroll \u00f6ver sin privatekonomiska situation. I f\u00f6ljande punkter har vi sammanfattat det som vi anser vara de viktigaste grundl\u00e4ggande faktorerna f\u00f6r att kunna f\u00e5 kontroll \u00f6ver privatekonomin:<\/p>\n
Vi lever just nu i en tid d\u00e4r det privata sparandet \u00e4r l\u00e4gst vad det varit sedan den stora depressionen (1929-1940). I USA \u00e4r…<\/p>\n","protected":false},"author":1,"featured_media":16202,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_oct_exclude_from_cache":false,"_uag_custom_page_level_css":"","footnotes":""},"categories":[91],"tags":[],"class_list":["post-49","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-fardigheter","post-item","post-even"],"yoast_head":"\n