Sparetips

Hvor mye koster det å ha barn?

 
Det er veldig koselig med barn. For mange er en drømmefamilien en familie med flere unger, jeg ønsker også flere barn. 
Å få barn er en alvorlig beslutning, både psykologisk og økonomisk. Mange tenker ikke over de ekstra kostnadene som kommer, for det er ett nytt menneske som vil være avhengig av familiens økonomi i flere år fremover. 
Det nye familiemedlem trenger ikke bare mat og klær, men flere ting som diverse utstyr, leker, møbler om mye mye mer.
 
Jeg undersøkte litt på hvor mye koster det å ha barn for en vanlig husholdning. Forbruksforskningsinstituttet SIFO har utarbeidet referansebudsjett som viser utgifter for familie med barn. Hvis man titter på kalkulator, så kommer listen over utgifter pr måned. Det er forskjell mellom kjønn og alder.
For første årene spiller kjønn ingen rolle, men fra 10 år og oppover er det en liten forskjell.
 
Individspesifikke utgifter
Alder
0-5 mnd
6-11 mnd
Mat og drikke
400
690
Klær og sko
330
330
Personlig pleie
320
320
Lek og mediebruk
140
140
Reise (kollektivt)
0
0
Spedbarnsutstyr
800
800
Sum
1 990
2 280
 
I tillegg kommer husholdsspesifikke utgifter på ca kr 2 400 pr måned.
Så for en baby inntil 1 år ligger utgiftene på ca kr 55 000 pr år.
 
Hvis man tar hensyn til kun individspesifikke utgiftene, så ser utgifter pr måned og pr år slik ut:
Alder, år
NOK pr måned
NOK pr år
Jente
Gutt
Jente
Gutt
1
        2 160
        2 160
       25 920
       25 920
2
        2 490
        2 490
       29 880
       29 880
3
        2 620
        2 620
       31 440
       31 440
4-5
        2 888
        2 888
       34 656
       34 656
6-9
        3 698
        3 698
       44 376
       44 376
10-13
        4 398
        4 468
       52 776
       53 616
14-17
        5 148
        5 428
       61 776
       65 136
 
Husholdningsutgiftene ligger på omtrent samme nivå som individspesifikke utgiftene, men man må påberegne barnehage (ca 30 000 kr i året), SFO og andre aktiviteter som koster penger.
Selvfølgelig kjøper man Chanel-klær og leker med Swarovski-krystaller til barna, så kan man skrive en ekstra null på slutten 🙂
 
Allikevel viser modellen at det er ikke gratis å ha barn, og det er viktig å planlegge familiebudsjett med tanke på de minste.
 
#budsjett #forbruk #sifo #forbruksforskningsinstituttet #barn #barnihuset #utgifter #planlegging #familie #personligøkonomi #referansebudsjett #økonomi #altharsinpris #tallsnacks

19 kommentarer

  • Ingrid; voksen tilslutt

    Jeg er vokst opp kun med en søster (storebroren min er 10 år eldre, når han var tenåring, var vi litt for små til å følge med på kostnader. Men jeg har allikevel alltid innbilt meg at jenter var dyrere enn gutter. For tross mer mat på gutter, så ville jenter bruke mer penger på ting i butikkene. Igjen, kun basert på min erfaring med jenter! 😀 Men maten er vel litt dyrere, siden den kommer hele tiden, mens klær, sminke og slikt kommer sjeldnere.
    Vet dere om dere får en jente eller gutt?

  • Maria

    Ingrid; voksen tilslutt:

    Ifølge kalkulator stemmer det veldig bra, basert på snitt koster mat mer for gutter enn jenter, mens klær og personlig pleie er det motsatt.
    Dette er SIFO-modell som er basert på gjennomsnitt, alle familier er forskjellige.

    Vi venter på ei lita jente og gleder oss masse 🙂

  • Gaute Holmin

    Barnehage/skole er ikke med i regnestykket ditt. Per idag er det kroner 2730 i måneden pluss matpenger (varierer litt, i vår barnehage tror jeg det er kroner 175 i måneden).
    Når de begynner i skolen er det jo skoleutstyr og evt AKS. AKS er behovsprøvd, for oss som tjener ganske greit så ligger maksprisen på kroner 2998 i måneden.

  • Maria

    Gaute Holmin:
    Hei Gaute, jeg nevnte at disse kostnadene kommer i tillegg (e ikke med i tabellen). Grunnen til det er at ikke alle bruker barnehage eller SFO /AKS. I tillegg er kostnadene avhengige av familiens inntekt ?

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