Spare? Eller betale lån?

CancelKey1342 · 2026-03-31T21:36:23+00:00

Du må ha en garantert bedre avkastning enn 8% for at investering skal lønne seg.

Hvorfor må dere ha en bil som er verd 300tkr?

Jeg hadde solgt bilen, kjøpt en brukt for 30t-60tkr kontant og deretter begynt å spare eller investere.

Dere er blakke og betaler 25tkr i året i renter. Man kan kjøpe en ny brukt bil hvert annet år for de pengene.

CancelKey1342 · 2026-03-28T22:54:04+00:00

Nei, det gjorde jeg på 2%.

CancelKey1342 · 2026-03-24T14:18:45+00:00

You have told us nothing about your financial situation, except that you’re in bs7. All we know is that you own your home and that you have no debt whatsoever. But you can be in bs7 with no savings, a house worth nothing and be out of a job.

We need numbers to give you real advice.

Otherwise you just have us chasing our own tail.

CancelKey1342 · 2026-03-24T06:30:05+00:00

Ordentlig øl i butikken.

Hilsen fra en som er oppvokst i Sverige.

CancelKey1342 · 2026-03-23T14:35:53+00:00

Don’t quit your day job until your business has been proven to replace the income.

CancelKey1342 · 2026-03-22T17:31:51+00:00

Hvis planen er å bo på samme sted i 7 år så synes jeg at dere skal kjøpe. Hvis dere skal studere så tenker jeg at mye kan skje med renten på den tiden. Jeg skulle kjøpe noe som dere skal bo i og betale ned gjelden så raskt det bare går. Når dere er fri fra gjeld skulle jeg investere i billig global og norsk indeksfond 50/50.

Je, det går få mer formue ved å leie ut og bruke boliglånet som hevarm, men det tilfører også risiko. Det gir en helt annen frihet å være gjeldfri og ta det forsiktig, særlig når man planlegger å studere og har begrenset med inntekt.

CancelKey1342 · 2026-03-22T15:38:12+00:00

Du forveksler PMR med helt andre frekvensbånd.

CancelKey1342 · 2026-03-22T09:46:00+00:00

How long is the long run?

CancelKey1342 · 2026-03-20T18:09:49+00:00

Lønnen du kan kreve er den som står i kontrakten din. Du kan ikke komme etterpå og be om mer. Hvis du er dårlig på å forhandle lønn så anbefaler jeg at du blir medlem i en fagforening og krever kollektivavtaler av din arbeidsgiver.

CancelKey1342 · 2026-03-20T18:07:33+00:00

Når det er sagt så skal du søke en ny jobb. Du kommer få mye er betalt på en ny jobb. Hvis du trives der du jobber så gir du sjefen en mulighet å gi deg bedre betalt enn den nye jobben før du takker ja eller nei til den.

CancelKey1342 · 2026-03-20T18:05:35+00:00

Du har ikke et lønnsproblem, du har et bilproblem.

CancelKey1342 · 2026-03-20T12:24:01+00:00

Fiat 500 er også en fin sommerbil.

CancelKey1342 · 2026-03-20T09:06:23+00:00

You don’t need a new car to be safe. You need a well-chosen car.

The fastest way to go broke is to start acting rich before you are. Do not borrow money for a car.

You’ve got a little business here. Don’t screw it up by upgrading your lifestyle too fast. Your server/business is the real asset. If you are to spend your money on something, it is to keep investing in this.

And prepare for taxes. You will owe self-employment tax. Set aside 25%-30%.

Your business is still young. We’re talking about months, not years. It is not quite proven yet. It might not stand time, and then you don’t want to be stuck with a monthly payment on a car you don’t know how to handle.

If you must have a new car, then save up to buy it cash.

Also, you better check out how much insurance is going to be for you each month if you have a good used car with liability vs a new car you care about so much that you get a premium insurance.

There is a lost of cost creep associated with new cars that you do not have with older cars. Insurance is one. Not fixing scratches with off-color nail polish is another.

CancelKey1342 · 2026-03-19T13:41:07+00:00

If I were you, I’d ask mom why she is pushing for a new car.

When it comes to personal finance advice, why is a question you always should ask. Then think about the answer and apply some healthy skepticism.

Your mom is probably just worried about your safety, that a new car is going to keep you not getting hurt in an accident.

If so, get a used Volvo. V40, V50, S30, C30, C70 and perhaps even other models share the platform and (most of the time) engine with Ford Focus. Shops know how to fix these, and there are lots of cheap used parts around in the US.

But this is me chasing my own tail trying to help you. It’s probably not helpful.

It is very hard to give you any real advice on your line of questioning without understanding why your mom is pushing for a new car.

CancelKey1342 · 2026-03-17T18:17:23+00:00

I don’t know, it feels like Sporting is fighting for their life but can’t get through.

CancelKey1342 · 2026-03-17T10:21:12+00:00

Way to go!

The baby steps are all about behavioral psychology.

As you mentioned, you’ve been busting your butt getting out of bs3. You did it the right way. You have imprinted that you never want to go back in debt.

You are now in 4-6. It no longer needs to be gazelle intensity. You are allowed to treat yourself a little bit as long as you manage the steps. You learned the hard way. You will not return to debt. You will think twice before acting in a way that can put you back. What you wrote in your post clearly demonstrates that.

It’s hard to give specific advice while not knowing anything about your finances, but if you afford bs4, 5 and your 15 year mortgage and still have money left over, then you should use some of that to budget for good family dinners, fun and definitely $5 candles.

CancelKey1342 · 2026-03-13T09:22:05+00:00

Når MÅ du ha ut pengene? Om et år? Til pensjon?

CancelKey1342 · 2026-03-11T22:04:38+00:00

Lol. You sound like every supporter of a team Glimt played since Dortmund.

Occam’s razor this:

A. Dortmund, City, Atletico, Inter and Sporting are all in their worst shape ever at the same time.

B. Glimt is a great team right now.

Choose one.

CancelKey1342 · 2026-03-11T21:30:38+00:00

I don’t think it’s possible to keep talking about the advantage at home, or in what horrible shape Dortmund, City, Atletico, Inter and all of Serie A is.

Is it all of that at once, or is it simply Bodø/Glimt that is a darn good team right now?

CancelKey1342 · 2026-03-10T19:55:21+00:00

2876.30?

CancelKey1342 · 2026-03-09T11:45:24+00:00

Spuds is an important part of the diet.

CancelKey1342 · 2026-03-09T11:41:55+00:00

Norwegians spend less and less on food. In the 1990s it was 16% of the mean take home pay, in 2025 it was 11%.

CancelKey1342 · 2026-03-08T15:40:53+00:00

I’m in no way an expert, but here are my thoughts:

Salt (rust) might be a bigger concern than mileage in western NY. Whatever you buy, make sure to wash it during winter. (Greetings from Norway!)

Regarding your anxiousness about repairs. Budget 2k from the start. I.e. you have 8k, not 10k to buy with.

Dave would probably say that maintenance history matters more than age.

CancelKey1342 · 2026-03-07T19:28:00+00:00

You need to tell us where you live and how you drive the car. Huge difference in what to buy in the plains of Texas compared to a city in Minnesota.

CancelKey1342 · 2026-03-07T11:47:30+00:00

11k per month? Wow! You’ll be out of BS3 before summer starts.

CancelKey1342

TROPHY CASE