Positiv utvikling! Status pr 20.01.19
I januar er det litt roligere i forbindelse med store innkjøp. Ja, det er beste tiden for shopping med utrolige rabatter, men det totale beløpet blir ikke så stor.
Jeg har pushet litt sparing til ferien, vi begynte å sjekke hotell som kan passe oss og tenker å bestille ferie rett etter at passet til Anna er på plass.
Tannhelseforsikringen har allerede godkjent Espen sine utgifter og min sak er under behandling (satser på at den blir godkjent snart siden jeg har fått inn de siste manglende papirene). Da går forsikringssum rett mot billån (ca kr 15 000). I tillegg får vi senere på våren utbytte fra Gjensidige forsikring (regner med et beløp mellom 1 500 og 3 000 kroner) og utbytte fra Coop, kr 2 000. Disse to skal gå til ferietur.
Jeg har markert med grønn farge postene som er ferdig oppspart og med gul de som er over 50 % nådd.
Her kommer oppdateringen pr 20.01.19:
Tørketrommel: penger er spart, men installasjon er ikke bestilt.
Snøfreser: levert, montert og testet! Vi er så glad at vi kjøpte denne lille maskinen som gjør snømåkingen til en lek! Hehe, må kjøpe en liten spade til Anna allikevel (til neste vinter får hun lov til å hjelpe oss).
Hage: jeg har bestemt å nedprioritere den, fristen er slutten av september . Det blir enklere å spare penger til den når billånet er borte og jeg er tilbake i full jobb.
Ferietur: jeg boostet kontoen litt, deilig å se at den kommer nærmere vårt mål. Vi har jo tanke at en del av feriepengene skal gå mot den her. Men veldig fint å ha spart mest mulig.
Start i barnehagen: det er bare et par måneder til og sparte midler er på plass 🙂 jeg sparer barnetrygd fra NAV til Anna på egen konto og bruker ikke av disse pengene.
Billån: vi betaler hver måned mye mer enn terminbeløpet og når vi får forsikring, skal det gå rett til lånet. Vi har en nedbetalingsplan som viser at vi blir ferdig med lånet 31.03.2021, det gidder jeg ikke. Månedlig termingebyr på kr 85 irriterer meg så mye at jeg har veldig lyst til å ta alle oppsparte midler mot lånbetaling, men sunn fornuft sier, det går ikke.
Boliglån: jeg betalte ca 1 000 ekstra, lite men bra. Jeg mener det er bedre å betale noe ekstra enn ingenting
Jeg håper det skal fortsette i den retningen og snart kan jeg vise bare grønne linjer for mine mål.
#økonomi #personligøkonomi #husholdningsøkonomi #økonomiskemål #sparing #lån #boliglån #billån #praktisketing #budsjett #sparetips #blirik #tallsnacks
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