Sparetips

Potensiale for sparing

17/11/2019

Jeg har lest kommentarene som folk skrev etter artikkelen om vår sparing.
Noen synes det er bra og inspirerende, noen er overrasket over mitt system og noen «blir kvalm» eller sinna om urealistiske sparebeløp. En del påpeker at vi har kjempeinntekt og er ikke som folk flest.

Hva kan jeg si?
Vår husholdning representerer to voksne med gjennomsnittlig lønn for den norske befolkningen og vi har en utleieleilighet som gir oss en skattefri inntekt.

MEN: artikkelen er skrevet for å vise at mennesker kan spare penger uansett inntekt. Viktigst er viljen. Har man mål å nå, gjør man alt for å nå de. Sparekonto-systemet som ble presentert i avisa, er bare et eksempel for folk som har ikke så mye erfaring med personlig økonomi.

Jeg tror de fleste som skrev negative kommentarer ikke har brukt nok tid til å sette seg inn i egen økonomi.

Mitt slagord sier: Viljen søker muligheter. Det finnes alltid ressurser som kan hjelpe å spare penger, og de skal jeg nevne.

  • Boliglån: har du sjekket renten på boliglånet du har? Kanskje noen banker tilbyr lavere rente? Jeg har selv byttet bank 3 ganger og sparte flere hundre tusen på rentekostnader.
  • Andre lån: sjekk om du kan refinansiere «dyre» lån eller betale de fortere. Sparte rentekostnader er også sparing.
  • Forsikring: sjekk forsikringer du har, sammenlign de med andre forsikringsselskap.
  • Strøm: sjekk selskap og abonnement du har, muligens taper du mye med å være lojal
  • Mat: sett matplanlegging i gang, prøv å lage mat fra bunnen. Bli medlem i diverse fordelsprogrammer som gir rabatt og tilbud på mat. Prøv å planlegge fremover, gjør store innkjøp men sjeldnere. Ikke vær negativ til budsjett-merkene, det er gode varer der også.
  • Internett/Mobil: sjekk priser du har og sammenlign med andre operatører
  • Treningsabonemment: når har du vært sist på trening? Hvis du bruker ikke treningsstudio mer enn 1 gang i uke, må du vurdere abonnementet.
  • Diverse abonnement: har du abonnement på aviser/blader du ikke leser? Eller strømmetjenester som du ikke har tid til? Får du levert i postkassen plaster eller barberingsblad? Da er det vel på tide å rydde litt opp i dette.
  • Utelivsvaner: møter du venner ofte ute for en kopp kaffe/lunsj/middag? Eller går du ut med kjæreste hver fredag/lørdag? Å invitere gjester hjem er som regel rimeligere og det er koselig med besøk.
  • Handel generelt: må du absolutt kjøpe den nyeste telefon selv om din gamle ble kjøpt for 1 år siden? Kjøp ting når det er faktisk behov for det, og sjekk det på tilbud eller kjøp brukt.
  • Ekstra inntekt: hvis du har tid og energi, kanskje du kan finne ekstra kilde til inntekt? Eller kan du selge noe du har ikke bruk for?

 

Hvis man går gjennom ting fra listen over, er det helt sikkert mulig å finne potensiale for sparing også for deg.

Du vil kanskje også like

Skattekort – ha kontroll på skatt i 2017
19/01/2017
AO 2018
24/01/2019
Beste tid for shopping – NÅ!
17/01/2019

36 kommentarer

  • botakempire
    25/10/2024 kl 18:38 Svar

    Just desire to say your article is as astonishing. The clarity in your post is simply great and i can assume you’re an expert on this subject. Well with your permission let me to grab your RSS feed to keep up to date with forthcoming post. Thanks a million and please continue the rewarding work.

  • this hyperlink
    27/11/2024 kl 17:44 Svar

    hi!,I like your writing very much! share we communicate more about your article on AOL? I require an expert on this area to solve my problem. Maybe that’s you! Looking forward to see you.

  • jav
    04/02/2025 kl 07:41 Svar

    Hi great website! Does ruhnning a blg sych as this require a great desl off work?
    I have vvirtually nno understandijg of compuuter progrwmming however I had been hoping to start my own blog soon. Anyways, if you habe any recommsndations or techniques for neew blog ownmers please share.
    I undersand this iss offf ssubject buut I jst needd too ask.
    Cheers!

  • binance
    07/02/2025 kl 17:11 Svar

    I don’t think the title of your article matches the content lol. Just kidding, mainly because I had some doubts after reading the article.

  • ultraformer iii
    12/03/2025 kl 04:04 Svar

    I was recommended this website by my cousin. I’m not sure whether this post is written by him as no one else know such detailed about my problem. You are amazing! Thanks!

  • what do anabolic steroids do
    15/03/2025 kl 09:44 Svar

    You can use ice, warmth and workout routines to maintain your shoulder
    loose and comfy. If these simple methods don’t relieve your pain, ask your healthcare provider about surgical options.
    Reaching out to your provider is the primary step toward confirming the trigger of your shoulder ache and
    creating a remedy plan that can finest ease your signs.
    You may really feel pain if you attain overhead,
    carry heavy objects or play sports activities or take
    part activities that involve a range of arm actions.
    In late-stage illness, you could not be capable of complete simple on an everyday basis tasks with out pain. These tasks embody such things as bathing, grooming and even writing or using your pc.

    Every time you increase your arm, you create less area between the tendons and the
    shoulder blade. Over time, the shoulder blade’s acromion could start to annoy the rotator cuff or its bursa
    sac. Upright rows are infamous for inflicting ache and inflammation in our
    shoulder joints (shoulder impingement), particularly once we attempt to drive a technique that doesn’t really feel natural.

    Now, let’s see tips on how to carry out each train step by step and what muscle they target.
    Dumbbells are super efficient in relation to training shoulders from
    all angles. If you’re on the lookout for an entire plan to
    construct lean muscle and strength in every muscle group within the physique,
    see which of our ATHLEAN-X applications best suits your objectives and
    gear possibilities. Give the methods and exercises in this information a attempt, and you’ll be stunned
    by just how shortly your shoulders will grow.
    Neer’s impingement signal is elicited when the patient’s rotator cuff tendons are pinched underneath the coracoacromial arch.
    The test4 is carried out by putting the arm in forced flexion with
    the arm fully pronated (Figure 5). The scapula should be stabilized in the course of the maneuver to forestall scapulothoracic movement.

    The Apley scratch test is another helpful maneuver to
    assess shoulder vary of motion (Figure 2). In this test, abduction and external rotation are measured by having the
    patient reach behind the pinnacle and contact the superior
    aspect of the other scapula. Conversely, internal rotation and adduction of the
    shoulder are tested by having the affected
    person reach behind the again and touch the inferior side of the
    other scapula. Exterior rotation ought to be measured with the affected person’s arms on the side and elbows flexed
    to 90 degrees. There are a quantity of signs to look out for to determine whether or not you need to give your shoulder muscular tissues a rest.

    The seated dumbbell shoulder press is among the safer
    shoulder exercises with dumbbells which additionally assists the development of rotator cuff muscle tissue.
    If your arm travels away out of your physique in a lateral direction, it’s going to put your
    shoulder under pointless stress. Press the bar to an overhead place
    with straight arms without bouncing or utilizing your leg drive.
    Involving your lower physique for momentum turns the overhead press right into a push press, which is a wonderful
    train in its personal right. However, you’re making
    an attempt to isolate your delts here, not work your entire physique,
    so keep it strict and let your shoulders do
    the work. Third, pay consideration to your limitations and contemplate
    any present situations or injuries before attempting pain-relieving shoulder exercises.
    The shoulder exercises mentioned within the list above should be done by gymgoers who experience shoulder ache because of improper alignment.

    The shoulder will typically ache and be stiff when at rest after which hurt extra
    when the particular person makes use of it.
    Or, when you’re confident you can make the subsequent weight bounce, that is another option. This
    will just be dependent on the way you 
    really feel, and the weights you have entry to.
    Regardless of why it occurs, a stronger shoulder
    can handle the abuse rather more effectively
    than a weak one.
    You can develop the rear shoulder, lats, and
    higher again muscles with a single arm row, making it
    an excellent possibility in case you are brief on time.
    The seated dumbbell shoulder press is the best
    compound exercise to construct bigger shoulders because you
    presumably can lift heavier weights. I like the
    seated model as a end result of you’ll find a way to isolate the deltoids with out stabilizing by way
    of your legs. Tackle muscle imbalances by incorporating workout routines that focus on opposing muscle teams.
    Strengthening your again muscle tissue, rear deltoids, and upper
    back might help counteract the effects of overdeveloped chest muscles, enhancing posture and reducing shoulder pain.
    The finest shoulder workout routines for newbies are like
    the best general shoulder exercise. Nonetheless, the concept
    is to lower the intensity and quantity of this exercise.
    This will help a beginner acclimate to this full shoulder workout and not be too sore or exhausted from
    their effort. That’s why I like to include a triceps train on Shoulder Day,
    Chest Day, and Arm Day. Collectively, these heads of the deltoid
    are liable for the arm’s motion in multiple instructions,
    enjoying a key role in pushing and pulling movements.

    The labrum could be damaged by trauma to the shoulder such as a fall,
    or from repetitive overhead actions or heavy lifting.
    No matter the supply of your shoulder pain, it’s best to verify along
    with your doctor or physical therapist before
    starting shoulder exercises or stretches. This ensures you are in a place to
    do what you want on your ache and perform the actions accurately.
    Shoulder tendonitis (tendonitis) is inflammation that affects an area within your shoulder joint.
    Your shoulder joint is saved stable by a bunch of muscle tissue called the rotator cuff, as nicely as the biceps tendon.
    Compound workout routines play an important function in shoulder exercises as a end result of they deliver a extra comprehensive workout than workouts that isolate only one muscle group.

    Some workouts we’ve already mentioned in the article are compound shoulder workout routines, corresponding to Arnold presses.

    Shoulder exercises are workouts designed to isolate, strengthen, and tone muscular
    tissues in your shoulders. Shoulder workouts target a quantity of muscle groups
    in the shoulder space, including the rotator cuff muscles, trapezius muscular tissues, deltoids,
    and rhomboid muscles. Integrating shoulder exercises
    into your fitness routine improves posture, relieves shoulder
    ache, enhances flexibility, and boosts both athletic and useful efficiency.

    Regularly coaching the shoulders promotes higher general well being, as sturdy shoulders assist a healthy
    backbone and neck.
    It’s virtually inconceivable to maintain observe of your progress and not using a exercise
    log. Our app StrengthLog is one hundred pc free to obtain and use as a exercise tracker and
    common strength coaching app. The again and shoulder routine
    hits the focused muscle teams from all totally different angles
    that can help you acquire lean muscle mass. You might
    have seen the absence of deadlifts within the back and triceps exercise routine.

    Not only that, however it is doubtless one of the lifts that
    athletes do at occasions like the Olympics and different weightlifting competitions.
    It is an efficient and environment friendly approach to achieve a full-body exercise
    in a short period of time. Be sure to bookmark this information as your go-to resource for
    constructing strong, resilient shoulders. I’m Murshid Akram, a personal coach, health blogger,
    and founding father of thefitnessphantom.com.

    Your supplier might suggest surgical procedure if either your
    rotator cuff or biceps tendon has partially or fully torn and your symptoms don’t
    improve with different remedies. Surgery repairs
    the damaged tendon or tendons and removes inflamed bursae
    that may even be irritating your shoulder. Tendonitis, in contrast,
    impacts the tendons of the rotator cuff, causing pain in each
    the shoulder and upper arm (sometimes extending so
    far as the wrist). Secure weightlifting workout routines for post-surgery recovery embrace bicep curls, triceps pulldowns, androtator cuff exercises.

    But when it comes to lifting and shoulder ache, it might signal something
    extra serious than the run-of-the mill muscle soreness you’d expertise
    after a tricky exercise. Once More, should you’ve by no means critically
    skilled your shoulders and your overhead press is
    weak, you will need to make small jumps in weight. However, many gyms only enable a minimal 5-pound bounce (2 x 2.5-pound plates),
    while others only permit a 10-pound bounce (2 x 5-pound plates).
    The barbell overhead press is a wonderful finisher to completely exhaust your shoulders.

    Also, do not overlook that you hit your anterior and posterior
    deltoids with your back and chest, so it is necessary to emphasize lateral delt exercises in your coaching.
    Clients have completely different experiences with the cargo straps’ raise capability.
    Some discover them easy to make use of and efficient for lifting heavy objects
    with legs as an alternative of arms. Nevertheless, others report issues where the
    straps don’t lock properly, requiring the utilization of forearms to raise heavy furnishings or fridges.

    Beneath are five different shoulder exercises to bodyweight exercises that you could perform with health club gear.

    The following ten body weight exercises goal and interact your shoulder muscle tissue,
    helping you build energy and improve overall shoulder perform.
    The anterior deltoid head sits on the front of your shoulder
    joint and inserts onto the clavicle.
    For the primary 24 to 48 hours after the injury, use an ice pack or cold compress on the affected
    shoulder for 15 to 20 minutes each three to 4 hours. You can use one thing so
    simple as a package deal of frozen peas as a makeshift ice pack.

    Whatever you employ, do not place the pack directly
    on the skin, as this can lead to frostbite. A heating pad eases stiff muscular tissues and joints and it will
    increase blood flow to the realm. The shoulder is the
    third most probably joint — behind the hips and knees — affected by osteoarthritis.
    Although the shoulder joint doesn’t bear the brunt of the physique’s weight, it can undergo related cartilage loss, resulting in ache and stiffness.
    Irritation of tendons in and across the shoulder can cause ache, difficulty holding an arm out to the front or
    aspect, and clicking, crunching, or catching when the arm is moved.

    There are several variations of the overhead press,
    however we’re going with the standing overhead press with a barbell for this again and shoulder exercise routine.
    It’ll permit you to use a heavier weight and pressure your shoulders
    to grow. If you’re simply starting a coaching plan, add reps slowly and trade
    off between push and pull exercises to build both front and back muscular tissues (i.e.,
    for each pushup, do a row). Keep Away From
    overdoing workouts the place the elbow is above the shoulder,
    like upright rows and shoulder presses, along with lateral
    raises and behind-the-neck pulldowns. For more stability, activate your lower trapezius muscle tissue earlier than pulldowns by bringing your
    shoulders down and collectively. House shoulder exercises are useful for anyone looking to enhance
    their general energy, mobility, and posture in a house surroundings.

    Start with proper form and progressively progress the weight to soundly enhance
    your overhead press. Warm up before each session and use applicable weights that problem you
    with out compromising kind. Pay Attention to your physique, and
    if you experience pain or discomfort, cut back the burden or search guidance.

    As A Outcome Of the arms are straight and coming
    as much as the entrance of the physique, you have to be
    sure you’ve the best size weights. Utilizing the band
    for an overhead press means you get more time beneath tension. The band makes your muscular tissues work on the way up and on the way in which
    down, in distinction to dumbbells. This Is that rare shoulder exercise you can do daily, largely because
    it is less about power and extra about constructing stability in the joint.

    This, after all, will help you get extra out of your shoulder training while also keeping the joint secure.
    Think About using the large compound strikes which bring in shoulder muscular tissues on full-body exercise periods
    or concentrating on shoulders on particular days dedicated to this area of your physique.

    This train builds shoulder muscles by concentrating on the deltoids, in addition to the pectoralis main.
    He has been competing in powerlifting since 2016 in both the USPA and the APF.
    For the previous three years, he and his spouse, Merrili, have coached
    starting lifters to learn the fundamentals of
    powerlifting and compete of their first powerlifting competitions.
    Need to calculate how much to raise in a means that is backed
    by science? Use our one-rep-max calculator after which multiply by 70% to seek out the weight above.
    Or you’ll find a way to increase or lower the
    proportion based mostly in your objectives. Shane Duquette is the co-founder of
    Outlift, Bony to Beastly, and Bony to Bombshell. He’s a licensed conditioning coach with a degree in design from York College in Toronto,
    Canada.

    My page … what do anabolic steroids do

  • location de voiture au Maroc
    22/03/2025 kl 16:25 Svar

    Thanks for sharing excellent informations. Your web-site is so cool. I am impressed by the details that you have on this web site. It reveals how nicely you perceive this subject. Bookmarked this web page, will come back for more articles. You, my friend, ROCK! I found simply the info I already searched all over the place and just couldn’t come across. What a perfect web site.

  • slot sakti
    24/03/2025 kl 16:22 Svar

    Thank you for the sensible critique. Me & my neighbor were just preparing to do some research on this. We got a grab a book from our area library but I think I learned more from this post. I’m very glad to see such great information being shared freely out there.

Legg igjen en kommentar

Din e-postadresse vil ikke bli publisert. Obligatoriske felt er merket med *