{"id":1168,"date":"2016-04-03T19:45:07","date_gmt":"2016-04-03T18:45:07","guid":{"rendered":"http:\/\/www.inkomsten.se\/?p=1168"},"modified":"2016-04-03T19:45:07","modified_gmt":"2016-04-03T18:45:07","slug":"dyrt-att-vara-fattig","status":"publish","type":"post","link":"https:\/\/sitetips.nu\/ekonomitips\/dyrt-att-vara-fattig\/","title":{"rendered":"Dyrt att vara fattig"},"content":{"rendered":"
\n

Det \u00e4r dyrt att vara fattig. Det mest p\u00e5tagliga \u00e4r kanske att den som \u00e4r fattig, eller som har l\u00e5g inkomst f\u00e5r betala h\u00f6gre r\u00e4nta p\u00e5 l\u00e5n. Man blir allts\u00e5 h\u00e4nvisad till dyra blancol\u00e5n medans den som har tillg\u00e5ngar kan anv\u00e4nda t.ex. ett hus, bil eller andra v\u00e4rdef\u00f6rem\u00e5l som s\u00e4kerhet vilket ger en l\u00e4gre r\u00e4nta<\/a>.<\/p>\n

De flesta har visserligen n\u00e5got v\u00e4rdef\u00f6rem\u00e5l som de kan pants\u00e4tta t.ex. p\u00e5 en pantbank f\u00f6r att f\u00e5 pengar i handen, men \u00e4ven h\u00e4r kan det vara relativt h\u00f6g r\u00e4nta och om man inte har pengarna att betala tillbaka inom en avtalad tid s\u00e4ljs f\u00f6rem\u00e5let av pantbanken.<\/p>\n

Hush\u00e5ll som har det knapert st\u00e4llt spenderar ocks\u00e5 mer pengar p\u00e5 f\u00f6rbrukningsvaror med l\u00e5ng h\u00e5llbarhet t.ex. toalettpapper \u00e4n vad rika g\u00f6r. Det visar en studie vid Ross school of business vid Michigans universitet.<\/p>\n

L\u00e5ginkomsthush\u00e5ll spenderar mer antagligen mer p\u00e5 denna typ av varor eftersom de inte har r\u00e5d att k\u00f6pa storpack, vilket skulle spara pengar \u00f6ver tid.<\/p>\n

Dessutom g\u00f6rs ink\u00f6pen n\u00e4r behovet uppst\u00e5r, vilket inneb\u00e4r att k\u00f6parna inte kan spara pengar genom att utnyttja reor och erbjudanden. Till skillnad fr\u00e5n de mer v\u00e4lb\u00e4rgade hush\u00e5llen som kanske k\u00f6per ett storpack n\u00e4r det \u00e4r billigt.<\/p>\n

Men antagligen h\u00e4nger sambandet \u00e4ven ihop p\u00e5 ett annat s\u00e4tt. Att en av orsakerna till skillnaden mellan rika och fattiga beror just p\u00e5 konsumtionsvanor.\u00a0 De som inte \u00e4r intresserade av att hush\u00e5lla med pengarna har mindre pengar kvar \u00e4n en som \u00e4r ekonomisk och sparsam. Och sedan uppst\u00e5r en negativ respektive en positiv spiral d\u00e4r den fattiga till slut inte har m\u00f6jlighet att g\u00f6ra val som skulle vara ekonomiskt gynnsamma.
\n<\/span><\/div>\n

<\/div>\n
Det verkar ocks\u00e5 handla om en persons grundl\u00e4ggande inst\u00e4llning till pengar och andra resurser. M\u00e5nga studier har gjorts kring hur personer som vunnit stora summor pengar p\u00e5 lotterier och liknande har \u00e4ndrat sina vanor och livsstil, och det har visat sig att den stora majoriteten inom ett \u00e5r efter vinsten har \u00e5terg\u00e5tt till sina tidigare levnadsvanor och levnadsniv\u00e5. De har helt enkelt f\u00f6rbrukat pengarna ist\u00e4llet f\u00f6r att investera eller skapa sig ett nytt liv.<\/div>\n","protected":false},"excerpt":{"rendered":"

Det \u00e4r dyrt att vara fattig. Det mest p\u00e5tagliga \u00e4r kanske att den som \u00e4r fattig, eller som har l\u00e5g inkomst f\u00e5r betala h\u00f6gre r\u00e4nta p\u00e5 l\u00e5n. Man blir allts\u00e5 h\u00e4nvisad till dyra blancol\u00e5n medans den som har tillg\u00e5ngar kan anv\u00e4nda t.ex. ett hus, bil eller andra v\u00e4rdef\u00f6rem\u00e5l som s\u00e4kerhet vilket ger en l\u00e4gre r\u00e4nta. … Forts\u00e4tt l\u00e4sa Dyrt att vara fattig<\/span><\/a><\/p>\n","protected":false},"author":3,"featured_media":0,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":"","_links_to":"","_links_to_target":""},"categories":[21],"tags":[],"class_list":["post-1168","post","type-post","status-publish","format-standard","hentry","category-privatekonomi"],"yoast_head":"\nDyrt att vara fattig - ekonomitips<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/sitetips.nu\/ekonomitips\/dyrt-att-vara-fattig\/\" \/>\n<meta property=\"og:locale\" content=\"sv_SE\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Dyrt att vara fattig - ekonomitips\" \/>\n<meta property=\"og:description\" content=\"Det \u00e4r dyrt att vara fattig. 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