Summer is just getting started in many places in the country and at these times many people also get their holiday money in their accounts. On the streets of Steinkjer, some have started making plans for the money. Elin Synnøve Teistklub will use part of the holiday money to pay bills. But she can afford a small holiday trip. Photo: Tariq Alisubh / news – We are working and looking at a trip to Turkey or Montenegro. But it won’t be until autumn. Sometimes you have to take advice, then you have to put the consumption according to what you have, says Elin Synnøve Teistklub. Helge Nyhus had not received the holiday money when news spoke to him. But in July they will probably have arrived and then he will get on the train south. Photo: Tariq Alisubh / news Ferietur is also going to Helge Nyhus and his family. They are going on the interrail through Germany, France and Italy. But they have realized that the holiday can be more expensive. – It is just as expensive to go on holiday in Norway. I expect it will go well. A bottle of wine for 2–3 euros. If the euro costs NOK 10 or 12 then, the same thing comes to mind, says Nyhus. Increased freedom The good feeling of having a little extra money in your account should be allowed to be felt, says Professor Thorgeir Kolshus in social anthropology at OsloMet. Professor of social anthropology, Thorgeir Kolshus, says the holiday money gives us a feeling of wealth, but that it should not last too long. Photo: Sonja Balci – It’s a bit of a Jeppe på Bjerget moment. I suddenly wake up and the world is completely different. Some opportunities present themselves, says Kolshus about the feeling he gets when the money arrives in his account. He believes that getting a little extra money and the feeling it gives is extra important this year. – We are talking about Ukraine, it is an expensive time, there are interest rates and many small worries. The holiday money simply means that we get a bit more wings and can afford to turn off the sad and sad, quite simply. – Important to prioritize But private economist Eldar Rønning at Sparebank 1 SMN, nevertheless asks us not to forget the sad everyday life. Because after the sweet itch, comes the sour sting. – Of course you should have a holiday, but it may not be the time to go bananas, says Rønning. Because everyone with a loan has had to endure a sharp rise in interest rates over the past year. In addition, food and other goods have become more expensive. A weak Norwegian krone means that everything abroad costs much more than it did last year. And interest rates will probably rise more. The International Monetary Fund (IMF) asked Norway to raise interest rates even more to curb inflation. A survey carried out by Sparebank1 shows that the holiday of 45 per cent of us will be affected by the increase in interest rates and prices. – It is wise to be a little more financially sensible in the run-up to the holiday. You can still have just as good a holiday. Maybe you can cook a little more yourself, find cheaper accommodation so that you can spend money on what you want, says Rønning. The private economist’s five pieces of advice: The former skiing world champion, Eldar Rønning, hopes people don’t just see gold and glitter when the holiday money arrives in their account. Photo: Sparebank1 SMN Create a holiday budget: Set up a realistic budget for your holiday based on your financial ability. Consider what you can afford to spend on travel, accommodation, activities and food, and don’t spend more than this. Get an overview Look over your costs and make a plan for which costs you can cut. Save a buffer account An account with money that can be used in case of unexpected expenses or loss of income. This will give you financial security in poorer economic times and when interest rates rise. Calculate the interest rate Calculate how much further interest rate increases will mean to you, most banks have loan calculators on their websites Talk to the bank Contact your bank if you are worried about how you will withstand an interest rate increase for advice on your particular situation – Mon must enjoy themselves on holiday, but within their own financial limits. Plan a little more than usual, says Rønning. The fixed weather Ona on the Romsdal coast is a popular holiday destination. Many will probably choose a Norwegian holiday this summer due to increased costs. Photo: Gunnar Sandvik/news Gives lower shoulders Both the economist and the professor agree on one thing. There is room to spend a little extra during the holidays. – One has to get away a little extra. You get the holiday money so that you have a little extra for the holiday, says Rønning. Kolshus also believes it is important to get these small feelings of luxury. – That little extra thing, slightly better food, a good wine. It is the opportunity that presents itself as an extension of a little extra sense of freedom, which we usually don’t dare to seize, he says.
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This is what the professor and economist recommend you do with your holiday money – news Trøndelag
