Hvor mye koster det å ha barn?
08/07/2018
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
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Gutt
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Jente
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Gutt
|
|
|
1
|
2 160
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2 160
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25 920
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25 920
|
|
2
|
2 490
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2 490
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29 880
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29 880
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|
3
|
2 620
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2 620
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31 440
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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
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97 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 ?
Gaute Holmin
Ahh, my bad. Barnehage har en fast månedspris uavhengig av inntekt, AKS varierer i forhold til inntekt.
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