{"id":78055,"date":"2023-11-07T08:06:15","date_gmt":"2023-11-07T07:06:15","guid":{"rendered":"https:\/\/www.nordnet.se\/blogg\/?p=78055"},"modified":"2026-03-04T16:25:48","modified_gmt":"2026-03-04T15:25:48","slug":"sa-gor-du-barnen-pengasmarta","status":"publish","type":"post","link":"https:\/\/www.nordnet.se\/blogg\/sa-gor-du-barnen-pengasmarta\/","title":{"rendered":"S\u00e5 g\u00f6r du barnen pengasmarta"},"content":{"rendered":"\n

Det talas mycket om vikten av att spara till barnen. Har man den m\u00f6jligheten kan den bli en ov\u00e4rderlig startplatta f\u00f6r barnen ut till vuxenlivet. Men minst lika viktigt \u00e4r att ocks\u00e5 g\u00f6ra barnen pengasmarta. S\u00e5 h\u00e4r kan du t\u00e4nka.<\/strong><\/p>\n\n\n\n

Att l\u00e4ra barn om pengar och pengars v\u00e4rde \u00e4r en minst lika viktig g\u00e5va som ett sparande till barnet. Och ett viktigt verktyg f\u00f6r att l\u00e4ra ut detta \u00e4r eget ansvar, det vill s\u00e4ga vecko\/m\u00e5nadspeng.<\/p>\n\n\n\n

Veckopeng som verktyg<\/h2>\n\n\n\n

Med den f\u00f6rsta veckopengen kan ditt barn f\u00f6r f\u00f6rsta g\u00e5ngen st\u00e4lla sig sj\u00e4lv fr\u00e5gan om han eller hon vill konsumera pengarna p\u00e5 godis direkt \u2013 eller spara dem f\u00f6r att kunna k\u00f6pa n\u00e5got st\u00f6rre l\u00e4ngre fram? Bara det ger barnet en f\u00f6rsta \u00f6vning i hush\u00e5llning.<\/p>\n\n\n\n

Hur mycket ska man ge?<\/h2>\n\n\n\n

En fr\u00e5ga jag ofta f\u00e5r \u00e4r hur mycket man ska ge sina barn i vecko- eller m\u00e5nadspeng. Hur mycket andra ger sina barn kan fungera som n\u00e5gon slags riktlinje, som man sedan f\u00e5r justera eller anpassa efter barnets egna f\u00f6ruts\u00e4ttningar. Enligt en unders\u00f6kning fr\u00e5n Nordea fr\u00e5n 2022 f\u00e5r 6-8-\u00e5ringar 130 kronor i m\u00e5naden, 9-11-\u00e5ringar f\u00e5r 220 kronor i m\u00e5naden och 12-14-\u00e5ringar f\u00e5r 360 kronor i m\u00e5naden.<\/p>\n\n\n\n

Hur mycket man v\u00e4ljer att ge sitt barn kan bero p\u00e5 flera saker. Finns n\u00e5gra motkrav? Ska barnen hj\u00e4lpa till med n\u00e5gon hush\u00e5llssyssla? Viktigt tror jag ocks\u00e5 \u00e4r att tydligt best\u00e4mma vad som ska ing\u00e5 \u2013 ska barnet st\u00e5 f\u00f6r n\u00e5got s\u00e4rskilt ink\u00f6p sj\u00e4lv? D\u00e5 beh\u00f6ver f\u00f6rst\u00e5s summan vara lite st\u00f6rre och d\u00e5 \u00f6kar ocks\u00e5 det egna ansvaret.<\/p>\n\n\n\n

Som f\u00f6r\u00e4lder k\u00e4nner man sitt eget barn b\u00e4st. Vad \u00e4r ditt barn moget till? Det g\u00e4ller att ge ansvar efter mognad. M\u00e5nadspeng \u00e4r sv\u00e5rare att hush\u00e5lla med \u00e4n veckopeng, s\u00e5 anpassa efter barnets \u00e5lder, eller kanske \u00e4nnu viktigare, barnets mognad. Eftersom barn mognar i olika takt och har olika utvecklad f\u00f6rm\u00e5ga att ta ansvar finns inget rakt generellt svar p\u00e5 n\u00e4r veckopeng b\u00f6r bli m\u00e5nadspeng. Utg\u00e5 fr\u00e5n ditt barn.<\/p>\n\n\n\n

Det viktigaste \u00e4r att ha tydliga regler kring vad som g\u00e4ller.<\/p>\n\n\n\n

Digitala hj\u00e4lpmedel<\/h2>\n\n\n\n

Den \u00e4ldre generationen h\u00f6r jag ofta uttrycker sig bekymrat \u00f6ver barns eventuella of\u00f6rm\u00e5ga att l\u00e4ra sig om pengar och pengars v\u00e4rde eftersom pengar nuf\u00f6rtiden \u00e4r digitala. Det anses bli sv\u00e5rt, rentav om\u00f6jligt, f\u00f6r dagens barn att f\u00f6rst\u00e5 pengar n\u00e4r de inte best\u00e5r av sedlar och mynt. Jag \u00e4r \u00f6vertygad om att man h\u00e4r oroar sig i on\u00f6dan. Digitala pengar \u00e4r naturligt f\u00f6r barn, de \u00e4r vana vid att det \u00e4r abstrakt. De har v\u00e4xt upp med det. Dessutom m\u00f6jligg\u00f6r ju digitaliseringen av pengar att det numera finns m\u00e5nga hj\u00e4lpmedel i form av appar exempelvis som hj\u00e4lper barnet. Inte minst finns bra barnanpassade kontokort.<\/p>\n\n\n\n

Barnanpassat kontokort<\/h2>\n\n\n\n

N\u00e4r min son b\u00f6rjade g\u00e5 sj\u00e4lv till kiosken med sina kompisar ins\u00e5g jag att tiden var mogen f\u00f6r att skaffa ett eget kontokort till honom. Vi hade ju aldrig n\u00e5gra sedlar eller mynt hemma att skicka med honom n\u00e4r han skulle handla n\u00e5got.<\/p>\n\n\n\n

P\u00e5 ett barnanpassat kontokort styr du som f\u00f6r\u00e4lder beloppet p\u00e5 kontot. Internetk\u00f6p \u00e4r sp\u00e4rrade eller begr\u00e4nsade, och oftast har banken ocks\u00e5 en specialanpassad app d\u00e4r barnet kan se saldo p\u00e5 kontot. Det finns ingen generell \u00e5ldersgr\u00e4ns f\u00f6r n\u00e4r barnet kan f\u00e5 kontokort, utan bankerna har olika regler. Gemensamt \u00e4r att b\u00e5da f\u00f6r\u00e4ldrarna m\u00e5ste skriva under om barnet ska kunna f\u00e5 ett kontokort.<\/p>\n\n\n\n

Att t\u00e4nka p\u00e5 \u00e4r att po\u00e4ngtera f\u00f6r barnet att kontokortet \u00e4r en v\u00e4rdehandling. Anv\u00e4nds kod m\u00e5ste den f\u00f6rvaras s\u00e4kert. M\u00e5nga har sitt kontokort i mobilen numera, men \u00e4ven d\u00e5 b\u00f6r man se till att barnet f\u00f6rst\u00e5r att inget f\u00e5r komma i or\u00e4tta h\u00e4nder.<\/p>\n\n\n\n

Hur mycket ska finnas p\u00e5 kontokortet?<\/h2>\n\n\n\n

H\u00e4r finns olika skolor. En \u00e4r att man s\u00e4tter in veckopengen varje vecka, rakt av. En annan \u00e4r att ge pengar \u201dn\u00e4r det beh\u00f6vs\u201d. Ni har nog redan gissat vilken strategi som \u00e4r mest effektiv om barnet ska l\u00e4ra sig hush\u00e5llning. Veckopengen eller m\u00e5nadspengen s\u00e4tts in, och sedan f\u00e5r barnet sj\u00e4lv l\u00e4ra sig hush\u00e5lla. Om det swishas s\u00e5 snart det beh\u00f6vs tappar man det pedogogiska momentet.<\/p>\n\n\n\n

Sm\u00e5 belopp \u00e4r b\u00e4st i b\u00f6rjan. Barnet beh\u00f6ver inte ha mycket pengar p\u00e5 kontot. Men h\u00e4r g\u00e4ller allts\u00e5, som vi har varit inne p\u00e5 tidigare, ansvar efter mognad.<\/p>\n\n\n\n

L\u00e5t barnet g\u00f6ra misstag<\/h2>\n\n\n\n

Det \u00e4r okej att g\u00f6ra misstag. K\u00f6per barnet n\u00e5got och sedan inte har r\u00e5d med n\u00e5got annat s\u00e5 \u00e4r det en viktig l\u00e4rdom. Man l\u00e4r sig av misstag. Om ni samtidigt ocks\u00e5 pratar om hush\u00e5llning och pengars v\u00e4rde hemma s\u00e5 har barnet alla f\u00f6ruts\u00e4ttningar att bli pengasmart \u2013 och det kommer han eller hon ha nytta av hela livet.<\/p>\n\n\n\n

<\/p>\n\n\n\n

Hur l\u00e4r du barnen om pengars v\u00e4rde?<\/p>\n\n\n\n

\/Frida<\/p>\n","protected":false},"excerpt":{"rendered":"

Det talas mycket om vikten av att spara till barnen. Har man den m\u00f6jligheten kan den bli en ov\u00e4rderlig startplatta f\u00f6r barnen ut till vuxenlivet. Men minst lika viktigt \u00e4r att ocks\u00e5 g\u00f6ra barnen pengasmarta. S\u00e5 h\u00e4r kan du t\u00e4nka. Att l\u00e4ra barn om pengar och pengars v\u00e4rde \u00e4r en minst lika viktig g\u00e5va som […]<\/p>\n","protected":false},"author":40184,"featured_media":0,"comment_status":"open","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"ghostkit_customizer_options":"","ghostkit_custom_css":"","ghostkit_custom_js_head":"","ghostkit_custom_js_foot":"","ghostkit_typography":"","_coblocks_attr":"","_coblocks_dimensions":"","_coblocks_responsive_height":"","_coblocks_accordion_ie_support":"","footnotes":""},"categories":[4764],"tags":[],"class_list":["post-78055","post","type-post","status-publish","format-standard","hentry","category-female-network"],"acf":[],"all_images":{"thumbnail":{"src":"https:\/\/blogg.nordnet.se\/wp-content\/uploads\/2023\/06\/Frida-NFN-03-1200x430-1-150x54.png","width":150,"height":54,"crop":true,"srcset":"https:\/\/blogg.nordnet.se\/wp-content\/uploads\/2023\/06\/Frida-NFN-03-1200x430-1-150x54.png 150w, 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