January 28, 2023

ModularPhonesForum

Complete News World

Kim Kristoffer Vikman (37) og Miriam Dubland Vikman (32) har barna Vårin Dubland Vikman (4) og Hannes Dubland Vikman (2).

Small choices in everyday life mean Kim and Miriam spend less money on the extravagant – NRK Rogaland – Local News, TV & Radio

price enemy. price library. Spending shock.

Researchers call it “animal time,” an interwar term for a period that saw prices skyrocket.

The proportion perceived as “financially secure households” has fallen to levels not seen by SIFO researchers since they began measuring financial security.

The sum of the large individual costs means that almost all Norwegians have to adapt.

This also applies to the Dubland Vikman family in Ålgård, who earn an average income and pay an average mortgage.

We are obviously influenced by the stories we see on television and read about in the newspapers. We sympathize with those who struggle to make things work, says Kim Kristoffer Vikman (37).

Also Read:- All I want for Christmas is a Christmas card and an eraser

Take action to lower your electric bill

According to SIFO researcher Christian Pope, the price of electricity is the single item that has the greatest impact on people’s finances.

According to Bobby, two out of three families are stressed just to be able to afford the electric bill.

The most common is to reduce electricity consumption and use electricity at strategic times during the day. This is also the case with the Dubland Vikman family.

– The heat pump temperature has been adjusted to 18 degrees. Some rooms are defined as cold rooms. We also have an app to manage electricity and try to run the dryer when the electricity price is lower, says Fickman, the father of the family.

Kim Kristoffer Vikman is doing everything he can to keep electricity costs down.

Photo: Hanne Høyland/NRK

According to the report The time of the animal during ascentFour out of ten families made stricter food purchases. The most common strategies are to reduce expenses by buying cheaper items and shopping where prices are lower.

At home in Ålgård, the family started by eating dinner from boxes of food delivered to the door.

– Then we don’t have to go to the store so often, avoid unnecessary small purchases and food waste. Plus, kids like fish lunchbox dinners better than the ones we usually make, says Fickman.

Kim Christopher-Wickman (37) and Miriam Dopland-Wickman (32)

Kim Kristoffer Vikman and Miriam Dubland Vikman have adapted so they can continue to save some money each month. The dream of a larger home for a family of four.

Photo: Hanne Høyland/NRK

Also read: People hoard expired goods: – There was a lot of gas here

Cuts “nice” subscriptions

Another coping strategy that some – 14 per cent – use in difficult times is cutting costs related to television and mobile phones.

I asked NRK Sparebank 1 if animal season had an effect on the number of canceled agreements, and got the answer:

The number of canceled subscriptions through online banking rose 27 percent from September to October nationwide — to 6,142 canceled agreements.

– Increasing electricity costs, increasing food prices and increasing interest rates, which are now in full effect, mean that these are a natural consequence of the times we live in, says Ole Gilje, Regional Director at Sparebank 1 SR Bank.

The subscriptions most bank customers terminated were TV 2 Play, Viaplay, VG+ and Spotify.

Regional Director Ole Gilje at Sparebank 1 SR-Bank.

Regional Director Ole Gilje at Sparebank 1 SR Bank.

Photo: Sparebank 1 SR-Bank

Interest rates have risen from 0.5 percent in February to 2.5 percent now. It is the steepest yield curve we have seen in modern times. This means that many bank customers are now experiencing problems.

– We see that some clients who received a certificate of financing this summer are now struggling with the requirements in lending regulations to afford a five percent interest rate increase, says Gilje.

This means that many of the bank’s customers are now unable to renew their financing certificates for the purchase of a home.

See also  New working time agreement for teachers