{"id":37113,"date":"2020-12-08T10:26:42","date_gmt":"2020-12-08T08:26:42","guid":{"rendered":"https:\/\/finanso.se\/?p=37113"},"modified":"2022-04-21T12:02:23","modified_gmt":"2022-04-21T10:02:23","slug":"darfor-bor-du-alltid-ha-en-buffert","status":"publish","type":"post","link":"https:\/\/finanso.se\/darfor-bor-du-alltid-ha-en-buffert\/","title":{"rendered":"D\u00e4rf\u00f6r b\u00f6r du alltid ha en buffert"},"content":{"rendered":"
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Reklam:<\/strong><\/p>

\u201dSe till att ha en buffert\u201d har de flesta av oss f\u00e5tt h\u00f6ra sen vi tj\u00e4nade v\u00e5r f\u00f6rsta l\u00f6n. En buffert \u00e4r ett riktigt vuxenord och det kanske till och med har f\u00e5tt en tjatig och negativ<\/p>

klang hos vissa? Saken \u00e4r den att en buffert faktiskt kan g\u00f6ra underverk om du pl\u00f6tsligt st\u00e5r i en ov\u00e4ntad situation.<\/p>

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Vad \u00e4r en buffert?<\/h2>

En buffert \u00e4r undansparade pengar till of\u00f6rutsedda utgifter. Sj\u00e4lva syftet med en buffert \u00e4r att skapa en ekonomisk trygghet s\u00e5 att man inte ska beh\u00f6va g\u00e5 i panik om olyckan pl\u00f6tsligt \u00e4r framme och man st\u00e5r inf\u00f6r en ov\u00e4ntad utgift. Eftersom budgeten \u00e4r dedikerad till of\u00f6rutsedda utgifter s\u00e5 \u00e4r det viktigt att du inte anv\u00e4nder dessa pengar till annat.<\/p>

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Varf\u00f6r \u00e4r det s\u00e5 viktigt att ha en buffert?<\/h2>

En buffert \u00e4r egentligen alltid viktig, men kanske allra mest relevant om du har ditt eget hem. Bufferten \u00e4r v\u00e5r s\u00e4kerhet om det h\u00e4nder n\u00e5got i hemmet. L\u00e5t oss s\u00e4ga att ditt kylsk\u00e5p g\u00e5r s\u00f6nder, det st\u00e4ller till det f\u00f6r dig eftersom ett kylsk\u00e5p \u00e4r h\u00f6gst n\u00f6dv\u00e4ndigt i ett hem. Utan kylsk\u00e5p har du ingenstans att f\u00f6rvara dina f\u00e4rskvaror. Kylsk\u00e5p och andra vitvaror \u00e4r normalt inte inr\u00e4knade i en m\u00e5nadsbudget, och d\u00e4rf\u00f6r kan det vara begr\u00e4nsat hur mycket pengar man har r\u00e5d att l\u00e4gga p\u00e5 ett kylsk\u00e5p som pl\u00f6tsligt g\u00e5r s\u00f6nder. Om man inte har en buffert det vill s\u00e4ga! Det \u00e4r n\u00e4mligen i s\u00e5dana situationer du ska anv\u00e4nda din buffert.<\/p>

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Om du exempelvis beh\u00f6ver byta ut ett f\u00f6nster eller en d\u00f6rr<\/h2>

Som n\u00e4mnt tidigare \u00e4r en buffert t\u00e4nkt till of\u00f6rutsedda utgifter, men detta kan vara s\u00e5 mycket mer \u00e4n ett kylsk\u00e5p som slutar att fungera. Vad du v\u00e4ljer att l\u00e4gga din buffert p\u00e5 \u00e4r f\u00f6rst\u00e5s lite individuellt. Du kanske har h\u00f6rt att grannarna haft inbrott och vill investera i s\u00e4krare d\u00f6rrar<\/a>? Att investera i nya f\u00f6nster och d\u00f6rrar av h\u00f6gre kvalitet \u00e4r ocks\u00e5 skonsamt f\u00f6r milj\u00f6n, och med en s\u00e5dan investering kan du p\u00e5 sikt spara ordentligt med pengar eftersom uppv\u00e4rmningskostnaderna i hemmet blir l\u00e4gre i och med att du inf\u00f6rskaffar t\u00e4tare f\u00f6nster och d\u00f6rrar. Du kan l\u00e4sa mer om vilka d\u00f6rrar som \u00e4r mest popul\u00e4ra bland svenskarna h\u00e4r<\/a>. <\/p>

En buffert \u00e4r allts\u00e5 en livlina som anv\u00e4nds n\u00e4r livet inte riktigt g\u00e5r som du t\u00e4nkt dig och du hamnar i lite av en ekonomisk knipa. En buffert kan som sagt ocks\u00e5 anv\u00e4ndas om du beh\u00f6ver investera i n\u00e5got till hemmet, som till exempel nya d\u00f6rrar som b\u00e5de \u00f6kar din livskvalitet och s\u00e4kerhet. Man brukar rekommendera att en buffert ska motsvara ungef\u00e4r tv\u00e5 m\u00e5nadsl\u00f6ner, allt utefter hur stor ekonomisk trygghet du vill ha.<\/p>

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