Sparetips

Konfirmasjon for 500 kr pr måned

 
Jeg hadde aldri hørt om konfirmasjon før jeg kom til Norge. I ettertid fikk jeg vite at konfirmasjonen er en ganske viktig anledning i livet, og er på en måte et steg mellom dåp og bryllup. En viktig markering i livet, steget inn i verden som voksen.
Nå er det konfirmasjon «sesong» og flere familier feirer det rundt omkring. Ut fra det jeg får høre, planlegger mange konfirmasjon i god tid siden det krever både organisasjon og penger. 
Jeg beregnet litt på hvor mye det kan koste og fant en mulighet til å arrangere en skikkelig god konfirmasjon for bare kr 500 i måneden. 
Når et barn blir født, mest sannsynlig er konfirmasjon ikke det første familien tenker på. Jeg synes det alikevel er et bra tidspunkt for å starte «konfirmasjon» -sparingen. 
Hvis man oppretter en sparekonto med 500 kr i måneden fra barnets fødsel og sparer det frem til barnet er 15 år, med gjennomsnittlig rente på 0,5 %, sparer man 93 337 kroner. 
Det er vel nok til både gave (bunad /lappen osv) og til selskap. 
Hvis noen mener at 500 kr er mye å spare, kan man sette sparing etter lommeboken.
Her kommer regnestykket for diverse sparebeløp:
Månedlig beløp kr
Totalt på konto om 15 år (spart + avkastning)
200
37 355
300
56 002
400
74 670
500
93 337

Husk, jo tidligere, jo bedre 🙂

 
#Norge #norsketradisjoner #konfirmasjon #sparing #sparetips #sparekonto #økonomi #personligøkonomi #planlegging #foreldreogbarn

66 kommentarer

  • Ingrid; voksen tilslutt

    Hvorfor har ingen skrevet om dette før? Helt genialt! I USA (og andre land selvfølgelig) begynner de å spare til studie og bryllup (for døtre) fra fødsel av. I mellomamerikanske land er quinceanera, en stor dag for jenter, og for jødiske barn er Bar Mitzva og Bat Mitzva noe folk sparer opp til. Men å begynne med 6000 kr i året fra fødsel av, hadde jeg ikke kommet på!
    Du er lur du Maria!

  • Maria

    Ingrid; voksen tilslutt:

    Takk Ingrid! 🙂

    Synes det er bedre å spare i god tid når man vet at det skal skje. Jeg tenker meg at det er ok å starte med «konfirmasjon» sparing, sparing til bolig og «belønning» sparing 🙂

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