On Friday, Finance Minister Trygve Slagsvold Vedum (Sp) came up with the proposal for next year’s state budget. Among the items we find: The maximum price for a nursery place will be reduced to NOK 2,000 a month from 1 August 2024. Families in sparsely populated municipalities will receive a further reduction. Extend the parental benefit period with 80 percent income sharing NOK 6.2 million to change the rules for child allowance, so that more people can keep the supplement Extend fathers’ independent withdrawal right by two new weeks from 2 August 2024 Increased subsidy for housing measures in the districts by NOK 4.3 million The Government also assumes that price inflation in society will decrease from the current level. Will an ordinary family with children notice the changes in their wallet? The big reduction: Expenses for daycare When big brother Mathias (2 1/2) has to be picked up from daycare, a patient little sister Lilja (5 weeks) is with him. Next autumn it will be her turn. For mum Karina Myrhaugen (34) from Sel municipality, it is reassuring to know that the price for a nursery place may decrease in next year’s state budget. Karina Myrhaugen thinks she and her partner can save even more each month. But then it affects the children. They don’t want that. Photo: Anne-Joo Cecilie Naomi Schrøder Lexander / news Today, the most a family has to pay for one child in kindergarten, regardless of whether it is municipal or private, is NOK 3,000. In autumn 2024, the ceiling will be reduced to NOK 2,000. Because the Myrhaugen Aase family lives in the village, it will be even cheaper. When Lilja starts kindergarten, one child in kindergarten will cost the family NOK 1,500. With sibling moderation, the expenses for both children amount to NOK 2,550 a month. The annual savings for the Myrhaugen Aase family will then be NOK 28,050. – Perfect pay Despite the upcoming reduction in the nursery price, Karina Myrhaugen is not happy. Private Wanted to live cheaply The family of small children moved to Otta in Sel municipality two years ago, after Karina Myrhaugen had completed her education as a foster carer. They wanted to be closer to her family. At the same time, it was cheaper to live in the village. They thought. – We don’t really save anything. Everything is equally expensive. Anne-Joo Cecilie Naomi Schrøder Lexander / news Dreaming of a home With NOK 1.2 million in total income, they earn too well to get a start-up loan from the Husbanken, according to Myrhaugen. – We pay NOK 11,000 to rent a home, so we could handle a mortgage. It feels like we’re throwing the money straight down the drain when we don’t get to invest in anything of our own. Anne-Joo Cecilie Naomi Schrøder Lexander / news Must have a car School, kindergarten and the nearest grocery store are seven kilometers away. It is also where the nearest bus goes. She works in the neighboring municipality, and commutes 30 kilometers one way. If she were to take a bus after work, she would not be able to pick her up at school or kindergarten. Anne-Joo Cecilie Naomi Schrøder Lexander / news Dad works on a rotating basis Partner André Aase is an asphalt operator, and goes where the jobs are. Right now he is in Trøndelag. Karina is often alone with the children. That is why they depend on having their own car. Fossil car was what they could afford. Anne-Joo Cecilie Naomi Schrøder Lexander / news DrivstoffParet is therefore very aware that the price of fuel has increased. – We have a hybrid car, but we don’t save anything on it, which we notice in the wallet, says Karina Myrhaugen. And the buffer account for mortgages is emptied when the cars have to in the workshop. The expenses overshadow the savings. As a full-time social worker, she has a fairly decent salary, she believes. The Myrhaugen Aase family Mother Karina is a social worker, father André is an asphalt worker. In total, the household has an income of approximately NOK 1.2 million. Mother has NOK 492,000 in student loans. Total consumer debt, including car loans, is NOK 460,000. They rent housing for NOK 11,000 a month. The food budget is approximately NOK 7,500 per month. The family has three children: Tiril (6 1/2) has just started school and goes to preschool. It costs approximately NOK 915 per month. Mathias (2 1/2) attends kindergarten full-time. The family pays NOK 3,150 (including board). Lilja (5 weeks) has received two bags of clothes from acquaintances, and inherited a pram and bed from her older brother and nurse. Mamma Karina is very happy that she does not have to buy formula. In this year’s salary settlement, she went up NOK 26,000. The joy of the increase quickly disappeared. – It feels as if the extra money is just being squandered away. We still have to make sure that the salary lasts a whole month. She does this by shopping once a week. She then examines both the price per kilo and the price per piece. And increasingly resorts to the cheap brands in the store so that she does not exceed the food budget. – We no longer buy Norvegia cheese, it costs NOK 120 per kilo. The distant home dream Last time they checked with the bank, they could only get a maximum of NOK 2 million in loans, she says. If that doesn’t work, they must find housing with room for three children, and which is not a financial drain on a renovation object. – It feels good not to have a mortgage on top of everything now that interest rates are rising. Consumer economist: – The cash register weighs more heavily The national budget was not much to brag about for families with children, says consumer economist Derya Incedursun at Nordea. – I see that the government takes into account families with small children and tries to look after them on a low income. But how much does it help when interest rates are high and inflation rises, asks the consumer economist. She believes there is a limit to what the NOK 28,050 the Myrhaugen Aase family saves a year at daycare can be spent on. – It does not help the family to get into the housing market, for example. Derya Incedursun at Nordea is unimpressed by what this year’s state budget has to say for families with children. Photo: Øystein Løwer Incedursun praises the family for managing to stay on NOK 7,500, which she calls “a very tight food budget”. The acceptable level of food budget for a family like Myrhaugen is NOK 10,900 a month, according to the Consumer Research Institute SIFO. Are you worried about your personal finances going forward? No, the economy is not a problem 🤷🏾 So, I constantly have to double check the prices when I shop 👀 Very. It’s a new situation 🥺 Very. But that’s how it’s always been 🙄 Don’t really know 🤔 Show result That Myrhaugen replaces goods with the cheapest brands and has a bad conscience for not choosing sustainable, she says is sad. Food is also about health: – It must not be the case that eating healthy should be reserved for those who can afford it. This is something the politicians must take seriously and do something about. – Security Finance Minister Trygve Slagsvold Vedum (Sp) left his home on Friday morning, he met the tradition according to the press. Facts about the state budget On 6 October, Finance Minister Trygve Slagsvold Vedum (Sp) will present the government’s proposal for next year’s state budget. The Storting then processes the budget proposal until December. During December, the Storting adopts the national budget that will apply from 1 January of the following year. Source: Regjeringen.no Here he boasted that the reduction in daycare centers was a targeted and clear move for families with children. Vedum wants cheaper kindergartens in the state budget 2024 He further described that one of the most important things about the budget proposal was to safeguard the security of people’s everyday finances. Awareness is good, but… Back in Otta, Karina Myrhaug says it’s not stupid to be more aware of what they can afford to buy or not. She remembers when she was 12-13, saving money to be able to buy the Miss Sixty pants she wanted. She wants to pass this lesson on to her children. Karina Myrhaugen says she has greater expectations for next year’s salary settlement than she has for the state budget. Photo: Anne-Joo Cecilie Naomi Schrøder Lexander / news At the same time, she knows when the wallet is constantly trumping what they can afford. And as long as they have the children, giving them experiences and opportunities is the first priority. – And if interest rates and prices remain stable in the future, and it is possible to get more wage growth…perhaps we can save extra for our dream home?
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The mother of a small child thinks it’s not enough in everyday life – news Innlandet – Local news, TV and radio
