{"id":33738,"date":"2020-09-16T12:37:45","date_gmt":"2020-09-16T10:37:45","guid":{"rendered":"https:\/\/finanso.se\/?p=33738"},"modified":"2020-09-16T12:37:47","modified_gmt":"2020-09-16T10:37:47","slug":"guide-kom-igang-med-sparandet","status":"publish","type":"post","link":"https:\/\/finanso.se\/guide-kom-igang-med-sparandet\/","title":{"rendered":"Guide: Kom ig\u00e5ng med sparandet"},"content":{"rendered":"\n

Vill du b\u00f6rja spara pengar? Det \u00e4r en mycket bra id\u00e9 att b\u00f6rja spara s\u00e5 tidigt som m\u00f6jligt i livet. Eftersom man d\u00e5 bara beh\u00f6ver spara lite grann varje m\u00e5nad. Men innan du b\u00f6rjar spara pengarna s\u00e5 kan du ordna n\u00e5gra saker s\u00e5 att dina pengar v\u00e4xer medan du har dem inne p\u00e5 banken. Idag \u00e4r det inte vanligt att man f\u00e5r r\u00e4nta p\u00e5 sparkonton p\u00e5 bankerna, man kan ist\u00e4llet v\u00e4lja att investera pengarna p\u00e5 ett speciellt s\u00e4tt f\u00f6r att de ska kunna v\u00e4xa. H\u00e4ng med h\u00e4r s\u00e5 f\u00e5r du en klar bild av hur du ska g\u00e5 tillv\u00e4ga om du vill b\u00f6rja spara pengar. <\/p>\n\n\n\n

Investera pengarna s\u00e5 de \u00f6kar i v\u00e4rde<\/h2>\n\n\n\n
  1. B\u00f6rja med att g\u00f6ra en budget \u00f6ver din ekonomi. Om du har en tydlig och bra budget kan du enkelt se hur mycket pengar du har r\u00e5d att spara och hur mycket du vill spara. N\u00e4r du har lagt din budget h\u00e4r<\/a> och beslutat dig hur mycket du vill spara varje m\u00e5nad s\u00e5 ska du skriva ner beloppet, det ska vi n\u00e4mligen \u00e5terkomma till alldeles strax, men f\u00f6rst kan du kontakta din bank och ordna med ett konto d\u00e4r du kan spara pengarna. <\/li>
  2. Om du ska spara pengarna i Sverige kan det vara en bra id\u00e9 att \u00f6verv\u00e4ga att \u00f6ppna ett ISK. Isk st\u00e5r f\u00f6r investeringssparkonto och \u00e4r ett konto som l\u00e5ter dig k\u00f6pa och s\u00e4lja aktier utan att du beh\u00f6ver deklarerar vinsterna p\u00e5 din deklaration. Kontot schablonbeskattas varje \u00e5r och din vinst tar du ut utan att du beh\u00f6ver deklarera den. Om du vill veta mer om beskattning av ett s\u00e5dant konto kan du kontakta skatteupplysningen per telefon.<\/li>
  3. Nu \u00e4r du redo att b\u00f6rja s\u00e4tta \u00f6ver pengar. Du kan v\u00e4lja att ha en st\u00e5ende automatisk \u00f6verf\u00f6ring fr\u00e5n ditt konto till ditt isk. Sj\u00e4lvfallet kan du alltid f\u00f6ra \u00f6ver mer pengar d\u00e5 och d\u00e5 om du vill det. Men eftersom man l\u00e4tt kan gl\u00f6mma att g\u00e5 in varje m\u00e5nad och f\u00f6ra \u00f6ver ett belopp rekommenderas det att man har en automatisk \u00f6verf\u00f6ring. <\/li>
  4. N\u00e4r du har samlat ihop en slant p\u00e5 ditt konto kan du v\u00e4lja att investera pengarna i en aktie eller i en fond. En fond \u00e4r ett paket med ett stort antal olika aktier i och dessa anses ofta f\u00f6r att vara ett s\u00e4krare alternativ \u00e4n att handla med just rena aktier. N\u00e4r fler f\u00f6retag \u00e4r involverade \u00e4r sannolikheten att fonden skulle sjunka i v\u00e4rde snabbt, mycket liten. Men detsamma g\u00e4ller med en v\u00e4rde\u00f6kning, som kan ske \u00f6ver en l\u00e4ngre period, men knappast p\u00e5 kort sikt.<\/li><\/ol>\n","protected":false},"excerpt":{"rendered":"

    Vill du b\u00f6rja spara pengar? Det \u00e4r en mycket bra id\u00e9 att b\u00f6rja spara s\u00e5 tidigt som m\u00f6jligt i livet. Eftersom man d\u00e5 bara beh\u00f6ver spara lite grann varje m\u00e5nad. Men innan du b\u00f6rjar spara pengarna s\u00e5 kan du ordna n\u00e5gra saker s\u00e5 att dina pengar v\u00e4xer medan du har dem inne p\u00e5 banken. Idag… L\u00e4r mer<\/a><\/p>\n","protected":false},"author":31,"featured_media":33743,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"_uag_custom_page_level_css":"","_lmt_disableupdate":"","_lmt_disable":"","_genesis_hide_title":false,"_genesis_hide_breadcrumbs":false,"_genesis_hide_singular_image":false,"_genesis_hide_footer_widgets":false,"_genesis_custom_body_class":"","_genesis_custom_post_class":"","_genesis_layout":"","footnotes":""},"categories":[34],"tags":[],"acf":[],"yoast_head":"\nGuide: Kom ig\u00e5ng med sparandet - Finanso.se<\/title>\n<meta name=\"description\" content=\"Vill du b\u00f6rja spara pengar? Det \u00e4r en mycket bra id\u00e9 att b\u00f6rja spara s\u00e5 tidigt som m\u00f6jligt i livet. Eftersom man d\u00e5 bara beh\u00f6ver spara lite grann varje m\u00e5nad. Men innan du b\u00f6rjar spara pengarna s\u00e5 kan du ordna n\u00e5gra saker s\u00e5 att dina pengar v\u00e4xer medan du har dem inne p\u00e5 banken. Idag... L\u00e4r mer\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/finanso.se\/guide-kom-igang-med-sparandet\/\" \/>\n<meta property=\"og:locale\" content=\"sv_SE\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Guide: Kom ig\u00e5ng med sparandet - Finanso.se\" \/>\n<meta property=\"og:description\" content=\"Vill du b\u00f6rja spara pengar? Det \u00e4r en mycket bra id\u00e9 att b\u00f6rja spara s\u00e5 tidigt som m\u00f6jligt i livet. Eftersom man d\u00e5 bara beh\u00f6ver spara lite grann varje m\u00e5nad. Men innan du b\u00f6rjar spara pengarna s\u00e5 kan du ordna n\u00e5gra saker s\u00e5 att dina pengar v\u00e4xer medan du har dem inne p\u00e5 banken. Idag... L\u00e4r mer\" \/>\n<meta property=\"og:site_name\" content=\"Finanso.se\" \/>\n<meta property=\"article:published_time\" content=\"2020-09-16T10:37:45+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2020-09-16T10:37:47+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/finanso.se\/wp-content\/uploads\/2020\/09\/arun-sharma-sPitf6qlo9w-unsplash-scaled.jpg\" \/>\n\t<meta property=\"og:image:width\" content=\"1707\" \/>\n\t<meta property=\"og:image:height\" content=\"2560\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/jpeg\" \/>\n<meta name=\"author\" content=\"Mai-Britt Skovsgaard\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:description\" content=\"Vill du b\u00f6rja spara pengar? Det \u00e4r en mycket bra id\u00e9 att b\u00f6rja spara s\u00e5 tidigt som m\u00f6jligt i livet. Eftersom man d\u00e5 bara beh\u00f6ver spara lite grann varje m\u00e5nad. Men innan du b\u00f6rjar spara pengarna s\u00e5 kan du ordna n\u00e5gra saker s\u00e5 att dina pengar v\u00e4xer medan du har dem inne p\u00e5 banken. Idag... <a class="more-link" href="https:\/\/finanso.se\/guide-kom-igang-med-sparandet\/">L\u00e4r mer<\/a>\" \/>\n<meta name=\"twitter:label1\" content=\"Written by\" \/>\n\t<meta name=\"twitter:data1\" content=\"Mai-Britt Skovsgaard\" \/>\n\t<meta name=\"twitter:label2\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data2\" content=\"2 minuter\" \/>\n<!-- \/ Yoast SEO plugin. -->","yoast_head_json":{"title":"Guide: Kom ig\u00e5ng med sparandet - Finanso.se","description":"Vill du b\u00f6rja spara pengar? Det \u00e4r en mycket bra id\u00e9 att b\u00f6rja spara s\u00e5 tidigt som m\u00f6jligt i livet. Eftersom man d\u00e5 bara beh\u00f6ver spara lite grann varje m\u00e5nad. Men innan du b\u00f6rjar spara pengarna s\u00e5 kan du ordna n\u00e5gra saker s\u00e5 att dina pengar v\u00e4xer medan du har dem inne p\u00e5 banken. Idag... L\u00e4r mer","robots":{"index":"index","follow":"follow","max-snippet":"max-snippet:-1","max-image-preview":"max-image-preview:large","max-video-preview":"max-video-preview:-1"},"canonical":"https:\/\/finanso.se\/guide-kom-igang-med-sparandet\/","og_locale":"sv_SE","og_type":"article","og_title":"Guide: Kom ig\u00e5ng med sparandet - Finanso.se","og_description":"Vill du b\u00f6rja spara pengar? Det \u00e4r en mycket bra id\u00e9 att b\u00f6rja spara s\u00e5 tidigt som m\u00f6jligt i livet. Eftersom man d\u00e5 bara beh\u00f6ver spara lite grann varje m\u00e5nad. Men innan du b\u00f6rjar spara pengarna s\u00e5 kan du ordna n\u00e5gra saker s\u00e5 att dina pengar v\u00e4xer medan du har dem inne p\u00e5 banken. Idag... L\u00e4r mer","og_site_name":"Finanso.se","article_published_time":"2020-09-16T10:37:45+00:00","article_modified_time":"2020-09-16T10:37:47+00:00","og_image":[{"width":1707,"height":2560,"url":"https:\/\/finanso.se\/wp-content\/uploads\/2020\/09\/arun-sharma-sPitf6qlo9w-unsplash-scaled.jpg","type":"image\/jpeg"}],"author":"Mai-Britt Skovsgaard","twitter_card":"summary_large_image","twitter_description":"Vill du b\u00f6rja spara pengar? Det \u00e4r en mycket bra id\u00e9 att b\u00f6rja spara s\u00e5 tidigt som m\u00f6jligt i livet. Eftersom man d\u00e5 bara beh\u00f6ver spara lite grann varje m\u00e5nad. Men innan du b\u00f6rjar spara pengarna s\u00e5 kan du ordna n\u00e5gra saker s\u00e5 att dina pengar v\u00e4xer medan du har dem inne p\u00e5 banken. Idag... <a class=\"more-link\" href=\"https:\/\/finanso.se\/guide-kom-igang-med-sparandet\/\">L\u00e4r mer<\/a>","twitter_misc":{"Written by":"Mai-Britt Skovsgaard","Est. reading time":"2 minuter"},"schema":{"@context":"https:\/\/schema.org","@graph":[{"@type":"WebPage","@id":"https:\/\/finanso.se\/guide-kom-igang-med-sparandet\/","url":"https:\/\/finanso.se\/guide-kom-igang-med-sparandet\/","name":"Guide: Kom ig\u00e5ng med sparandet - Finanso.se","isPartOf":{"@id":"https:\/\/finanso.se\/#website"},"datePublished":"2020-09-16T10:37:45+00:00","dateModified":"2020-09-16T10:37:47+00:00","author":{"@id":"https:\/\/finanso.se\/#\/schema\/person\/9daea663e8af7064057fa2abd77c392b"},"breadcrumb":{"@id":"https:\/\/finanso.se\/guide-kom-igang-med-sparandet\/#breadcrumb"},"inLanguage":"sv-SE","potentialAction":[{"@type":"ReadAction","target":["https:\/\/finanso.se\/guide-kom-igang-med-sparandet\/"]}]},{"@type":"BreadcrumbList","@id":"https:\/\/finanso.se\/guide-kom-igang-med-sparandet\/#breadcrumb","itemListElement":[{"@type":"ListItem","position":1,"name":"Hem","item":"https:\/\/finanso.se\/"},{"@type":"ListItem","position":2,"name":"Guide: Kom ig\u00e5ng med sparandet"}]},{"@type":"WebSite","@id":"https:\/\/finanso.se\/#website","url":"https:\/\/finanso.se\/","name":"Finanso.se","description":"Alla kan l\u00e4ra sig hur man investerar","potentialAction":[{"@type":"SearchAction","target":{"@type":"EntryPoint","urlTemplate":"https:\/\/finanso.se\/?s={search_term_string}"},"query-input":"required name=search_term_string"}],"inLanguage":"sv-SE"},{"@type":"Person","@id":"https:\/\/finanso.se\/#\/schema\/person\/9daea663e8af7064057fa2abd77c392b","name":"Mai-Britt Skovsgaard","image":{"@type":"ImageObject","inLanguage":"sv-SE","@id":"https:\/\/finanso.se\/#\/schema\/person\/image\/","url":"https:\/\/secure.gravatar.com\/avatar\/553359d8b05dba50c941e246574fb189?s=96&d=mm&r=g","contentUrl":"https:\/\/secure.gravatar.com\/avatar\/553359d8b05dba50c941e246574fb189?s=96&d=mm&r=g","caption":"Mai-Britt Skovsgaard"},"url":"https:\/\/finanso.se\/author\/wedigitize\/"}]}},"modified_by":"Mai-Britt Skovsgaard","uagb_featured_image_src":{"full":["https:\/\/finanso.se\/wp-content\/uploads\/2020\/09\/arun-sharma-sPitf6qlo9w-unsplash-scaled.jpg",1707,2560,false],"thumbnail":["https:\/\/finanso.se\/wp-content\/uploads\/2020\/09\/arun-sharma-sPitf6qlo9w-unsplash-150x150.jpg",150,150,true],"medium":["https:\/\/finanso.se\/wp-content\/uploads\/2020\/09\/arun-sharma-sPitf6qlo9w-unsplash-200x300.jpg",200,300,true],"medium_large":["https:\/\/finanso.se\/wp-content\/uploads\/2020\/09\/arun-sharma-sPitf6qlo9w-unsplash-768x1152.jpg",768,1152,true],"large":["https:\/\/finanso.se\/wp-content\/uploads\/2020\/09\/arun-sharma-sPitf6qlo9w-unsplash-683x1024.jpg",683,1024,true],"bm_large_thumbnail":["https:\/\/finanso.se\/wp-content\/uploads\/2020\/09\/arun-sharma-sPitf6qlo9w-unsplash-scaled.jpg",42,63,false],"bm_middle_thumbnail":["https:\/\/finanso.se\/wp-content\/uploads\/2020\/09\/arun-sharma-sPitf6qlo9w-unsplash-scaled.jpg",33,50,false],"bm_small_thumbnail":["https:\/\/finanso.se\/wp-content\/uploads\/2020\/09\/arun-sharma-sPitf6qlo9w-unsplash-scaled.jpg",27,40,false],"1536x1536":["https:\/\/finanso.se\/wp-content\/uploads\/2020\/09\/arun-sharma-sPitf6qlo9w-unsplash-1024x1536.jpg",1024,1536,true],"2048x2048":["https:\/\/finanso.se\/wp-content\/uploads\/2020\/09\/arun-sharma-sPitf6qlo9w-unsplash-1365x2048.jpg",1365,2048,true],"feed":["https:\/\/finanso.se\/wp-content\/uploads\/2020\/09\/arun-sharma-sPitf6qlo9w-unsplash-750x395.jpg",750,395,true],"home-middle":["https:\/\/finanso.se\/wp-content\/uploads\/2020\/09\/arun-sharma-sPitf6qlo9w-unsplash-630x350.jpg",630,350,true],"home-top":["https:\/\/finanso.se\/wp-content\/uploads\/2020\/09\/arun-sharma-sPitf6qlo9w-unsplash-750x420.jpg",750,420,true],"sidebar-thumbnail":["https:\/\/finanso.se\/wp-content\/uploads\/2020\/09\/arun-sharma-sPitf6qlo9w-unsplash-100x100.jpg",100,100,true],"archive-latest-post-thumbnail":["https:\/\/finanso.se\/wp-content\/uploads\/2020\/09\/arun-sharma-sPitf6qlo9w-unsplash-440x450.jpg",440,450,true],"archive-post-thumbnail":["https:\/\/finanso.se\/wp-content\/uploads\/2020\/09\/arun-sharma-sPitf6qlo9w-unsplash-97x146.jpg",97,146,true],"fw_banner_right_image":["https:\/\/finanso.se\/wp-content\/uploads\/2020\/09\/arun-sharma-sPitf6qlo9w-unsplash-347x520.jpg",347,520,true],"fw_banner_bg_image":["https:\/\/finanso.se\/wp-content\/uploads\/2020\/09\/arun-sharma-sPitf6qlo9w-unsplash-scaled.jpg",533,800,false],"popular_article_w_image":["https:\/\/finanso.se\/wp-content\/uploads\/2020\/09\/arun-sharma-sPitf6qlo9w-unsplash-124x186.jpg",124,186,true],"popular_article_w_image_wide":["https:\/\/finanso.se\/wp-content\/uploads\/2020\/09\/arun-sharma-sPitf6qlo9w-unsplash-191x286.jpg",191,286,true],"featured_block_439_x_624_image":["https:\/\/finanso.se\/wp-content\/uploads\/2020\/09\/arun-sharma-sPitf6qlo9w-unsplash-439x624.jpg",439,624,true],"featured_block_558_x_450_image":["https:\/\/finanso.se\/wp-content\/uploads\/2020\/09\/arun-sharma-sPitf6qlo9w-unsplash-558x450.jpg",558,450,true],"featured_block_438_x_420_image":["https:\/\/finanso.se\/wp-content\/uploads\/2020\/09\/arun-sharma-sPitf6qlo9w-unsplash-438x420.jpg",438,420,true],"author_archive_image":["https:\/\/finanso.se\/wp-content\/uploads\/2020\/09\/arun-sharma-sPitf6qlo9w-unsplash-270x360.jpg",270,360,true],"author_featured_image":["https:\/\/finanso.se\/wp-content\/uploads\/2020\/09\/arun-sharma-sPitf6qlo9w-unsplash-300x450.jpg",300,450,true],"features_icon":["https:\/\/finanso.se\/wp-content\/uploads\/2020\/09\/arun-sharma-sPitf6qlo9w-unsplash-40x60.jpg",40,60,true],"trending_article_featured":["https:\/\/finanso.se\/wp-content\/uploads\/2020\/09\/arun-sharma-sPitf6qlo9w-unsplash-440x390.jpg",440,390,true],"trending_article_other":["https:\/\/finanso.se\/wp-content\/uploads\/2020\/09\/arun-sharma-sPitf6qlo9w-unsplash-353x187.jpg",353,187,true],"mi_reference_img":["https:\/\/finanso.se\/wp-content\/uploads\/2020\/09\/arun-sharma-sPitf6qlo9w-unsplash-47x70.jpg",47,70,true],"mi_related_post_img":["https:\/\/finanso.se\/wp-content\/uploads\/2020\/09\/arun-sharma-sPitf6qlo9w-unsplash-147x220.jpg",147,220,true],"mi_banner_title_mobile":["https:\/\/finanso.se\/wp-content\/uploads\/2020\/09\/arun-sharma-sPitf6qlo9w-unsplash-767x168.jpg",767,168,true],"fw_banner_bg_image_mobile":["https:\/\/finanso.se\/wp-content\/uploads\/2020\/09\/arun-sharma-sPitf6qlo9w-unsplash-767x400.jpg",767,400,true],"author_thumbnail":["https:\/\/finanso.se\/wp-content\/uploads\/2020\/09\/arun-sharma-sPitf6qlo9w-unsplash-scaled.jpg",40,60,false]},"uagb_author_info":{"display_name":"Mai-Britt Skovsgaard","author_link":"https:\/\/finanso.se\/author\/wedigitize\/"},"uagb_comment_info":3,"uagb_excerpt":"Vill du b\u00f6rja spara pengar? Det \u00e4r en mycket bra id\u00e9 att b\u00f6rja spara s\u00e5 tidigt som m\u00f6jligt i livet. Eftersom man d\u00e5 bara beh\u00f6ver spara lite grann varje m\u00e5nad. Men innan du b\u00f6rjar spara pengarna s\u00e5 kan du ordna n\u00e5gra saker s\u00e5 att dina pengar v\u00e4xer medan du har dem inne p\u00e5 banken. Idag...…","_links":{"self":[{"href":"https:\/\/finanso.se\/wp-json\/wp\/v2\/posts\/33738"}],"collection":[{"href":"https:\/\/finanso.se\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/finanso.se\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/finanso.se\/wp-json\/wp\/v2\/users\/31"}],"replies":[{"embeddable":true,"href":"https:\/\/finanso.se\/wp-json\/wp\/v2\/comments?post=33738"}],"version-history":[{"count":0,"href":"https:\/\/finanso.se\/wp-json\/wp\/v2\/posts\/33738\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/finanso.se\/wp-json\/wp\/v2\/media\/33743"}],"wp:attachment":[{"href":"https:\/\/finanso.se\/wp-json\/wp\/v2\/media?parent=33738"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/finanso.se\/wp-json\/wp\/v2\/categories?post=33738"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/finanso.se\/wp-json\/wp\/v2\/tags?post=33738"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}