{"id":78554,"date":"2023-12-05T15:00:00","date_gmt":"2023-12-05T14:00:00","guid":{"rendered":"https:\/\/www.nordnet.se\/blogg\/?p=78554"},"modified":"2023-12-07T11:51:12","modified_gmt":"2023-12-07T10:51:12","slug":"gor-det-har-for-din-ekonomi-innan-2023-tar-slut","status":"publish","type":"post","link":"https:\/\/www.nordnet.se\/blogg\/gor-det-har-for-din-ekonomi-innan-2023-tar-slut\/","title":{"rendered":"G\u00f6r det h\u00e4r f\u00f6r din ekonomi innan 2023 tar slut"},"content":{"rendered":"\n

Det finns n\u00e5gra saker du kan beh\u00f6va g\u00f6ra f\u00f6r din ekonomi innan \u00e5ret \u00e4r slut. Om inte annat kan \u00e5rsskiftet utg\u00f6ra ett bra tillf\u00e4lle f\u00f6r en h\u00e4lsokontroll. H\u00e4r \u00e4r skattetipsen du beh\u00f6ver. <\/p>\n\n\n\n

ISK eller dep\u00e5?<\/strong><\/h2>\n\n\n\n

N\u00e4sta \u00e5r h\u00f6js skatten p\u00e5 ISK<\/a>, med anledning av den h\u00f6gre statsl\u00e5ner\u00e4ntan, Skatten f\u00f6r \u00e5r 2024, som kommer tas upp i deklarationen 2025 blir 1,09 procent p\u00e5 ISK och kapitalf\u00f6rs\u00e4kring<\/a>. D\u00e4rmed kan det vara l\u00e4ge att fundera p\u00e5 om sparformen fortfarande passar dig. En enkel tumregel \u00e4r att den f\u00f6rv\u00e4ntade avkastningen b\u00f6r motsvara statsl\u00e5ner\u00e4ntan plus en procentenhet, det vill s\u00e4ga 3,62 procent f\u00f6r 2024, f\u00f6r att schablonbeskattning ska vara ett bra alternativ. Tror du att ditt sparande kommer avkasta l\u00e4gre \u00e4n s\u00e5 \u00e4r det dags att \u00f6verv\u00e4ga vanlig dep\u00e5. <\/p>\n\n\n\n

Nordnet jobbar intensivt med att verka f\u00f6r b\u00e4ttre villkor p\u00e5 ISK. Exempelvis anser vi att regeringen inte bara b\u00f6r inf\u00f6ra det utlovade fribeloppet p\u00e5 300 000 kronor s\u00e5 som man lovade i Tid\u00f6avtalet. Vi anser ocks\u00e5 att skatten p\u00e5 ISK ska \u00e5terst\u00e4llas, det vill s\u00e4ga att p\u00e5slaget p\u00e5 1 procentenhet p\u00e5 statsl\u00e5ner\u00e4ntan b\u00f6r tas bort. L\u00e4s mer h\u00e4r. <\/a><\/p>\n\n\n\n

Kolla om l\u00f6nev\u00e4xling<\/strong> \u00e4r ett alternativ<\/strong><\/h2>\n\n\n\n

L\u00f6nev\u00e4xling \u00e4r popul\u00e4rt och vi m\u00e5nga fall klokt, och nu kan det bli l\u00f6nsamt f\u00f6r \u00e4nnu fler att p\u00e5 allvar b\u00f6rja se l\u00f6nev\u00e4xlingen som ett sparalternativ. F\u00f6r 2024 r\u00e4knas n\u00e4mligen inte skiktgr\u00e4nsen f\u00f6r n\u00e4r du ska b\u00f6rja betala statlig inkomstskatt upp med inflationen, som brukligt \u00e4r. Ist\u00e4llet ligger skiktgr\u00e4nsen kvar p\u00e5 51 000 kronor i m\u00e5naden. Hade den r\u00e4knats upp hade den landat p\u00e5 57 000 kronor i m\u00e5naden. Det h\u00e4r inneb\u00e4r att skatten h\u00f6js och att fler omfattas av den. Det kan inneb\u00e4ra att l\u00f6nev\u00e4xling blir ett attraktivare sparalternativ f\u00f6r m\u00e5nga, s\u00e4rskilt som skatten p\u00e5 ISK-alternativet \u00f6kar. L\u00f6nev\u00e4xling inneb\u00e4r att du avst\u00e5r l\u00f6n h\u00e4r och nu f\u00f6r att arbetsgivaren ist\u00e4llet ska s\u00e4tta av mer till din tj\u00e4nstepension<\/a>. Eftersom den s\u00e4rskilda l\u00f6neskatten \u00e4r l\u00e4gre \u00e4n arbetsgivaravgiften, och d\u00e5 sj\u00e4lvklart b\u00f6r f\u00e5 mellanskillnaden medr\u00e4knad i pensionsavs\u00e4ttningen, \u00e4r det ett f\u00f6rm\u00e5nligt s\u00e4tt att spara extra till pensionen. L\u00e4s mer om l\u00f6nev\u00e4xling h\u00e4r<\/a>. <\/p>\n\n\n\n

T\u00e4nk p\u00e5 att du b\u00f6r tj\u00e4na \u00f6ver 51 000 kronor f\u00f6r att det ska vara en bra id\u00e9 att l\u00f6nev\u00e4xla, annars p\u00e5verkas inkomstpensionsins\u00e4ttningen och andra sociala f\u00f6rm\u00e5ner negativt. <\/p>\n\n\n\n

Skattej\u00e4mka<\/strong><\/h2>\n\n\n\n

I \u00e5r har r\u00e4ntan p\u00e5 bol\u00e5nen stigit kraftigt. Det kan ge anledning att skattej\u00e4mka eftersom r\u00e4nteutgifterna har stuckit iv\u00e4g. J\u00e4mkar du slipper du v\u00e4nta p\u00e5 att du ska f\u00e5 tillbaka pengar p\u00e5 skatten, och du betalar r\u00e4tt skatt fr\u00e5n b\u00f6rjan. I dessa tider med stigande priser kan det vara smart att g\u00f6ra detta ist\u00e4llet f\u00f6r att v\u00e4nta p\u00e5 att f\u00e5 tillbaka pengar till skatten, eller annorlunda uttryckt, “l\u00e5na ut” pengar r\u00e4ntefritt till staten. <\/a>Du kan ans\u00f6ka om j\u00e4mkning direkt p\u00e5 Skatteverkets hemsida med e-legitimation. Men \u2013 se upp s\u00e5 att du inte j\u00e4mkar f\u00f6r mycket och ist\u00e4llet drabbas av restskatt.<\/p>\n\n\n\n

S\u00e4lj av f\u00f6r att kunna kvitta<\/strong><\/h2>\n\n\n\n

Har du aktier<\/a> eller fonder<\/a> p\u00e5 vanlig dep\u00e5 som g\u00e5tt med f\u00f6rlust och som du t\u00e4nkt s\u00e4lja av? G\u00f6r det i s\u00e5 fall f\u00f6re \u00e5rsskiftet, f\u00f6r att kunna kvitta f\u00f6rlust mot v\u00e4rdepappersvinst i v\u00e5rens deklaration. Detta \u00e4r inte m\u00f6jligt om du \u00e4ger v\u00e4rdepapperna via en schablonskattad sparform, som ISK eller kapitalf\u00f6rs\u00e4kring. Dock kan du kvitta schablonint\u00e4kten p\u00e5 ISK mot kapitalf\u00f6rluster i deklarationen. <\/p>\n\n\n\n

Koll p\u00e5 fondskatten<\/h2>\n\n\n\n

Har du t\u00e4nkt s\u00e4lja av fonder fr\u00e5n vanlig dep\u00e5? D\u00e5 kan det vara klokt att g\u00f6ra det f\u00f6re \u00e5rsskiftet. D\u00e5 slipper du den fondskatt p\u00e5 0,12 procent (schablonint\u00e4kt 0,4 * 30 %) p\u00e5 kapitalunderlaget som annars tas ut i fondskatt p\u00e5 dep\u00e5n den 1 januari i \u00e5r.Har du fonder p\u00e5 ISK men vill flytta till dep\u00e5? D\u00e5 \u00e4r det smart att s\u00e4lja fonderna f\u00f6re \u00e5rsskiftet och k\u00f6pa tillbaka dem p\u00e5 dep\u00e5 n\u00e5gra dagar efter \u00e5rsskiftet. <\/p>\n\n\n\n

Se till att ha pengar p\u00e5 kapitalf\u00f6rs\u00e4kringen<\/strong><\/h2>\n\n\n\n

Eftersom avkastningsskatten p\u00e5 dras den 31 december fr\u00e5n din kapitalf\u00f6rs\u00e4kring s\u00e5 \u00e4r det att rekommendera att ha kontanter p\u00e5 kapitalf\u00f6rs\u00e4kringen den dagen. Annars kommer Nordnet f\u00f6rs\u00f6ka s\u00e4lja av v\u00e4rdepapper f\u00f6r att t\u00e4cka avkastningsskatten. Jag f\u00e5r ibland fr\u00e5gan om det \u00e4r l\u00f6nt att av denna anledning ta ut pengar inf\u00f6r \u00e5rsskiftet och sedan s\u00e4tta in dem efter\u00e5t f\u00f6r att undvika att ha mycket pengar p\u00e5 kontot n\u00e4r skatten ska dras. Det \u00e4r det inte. Ins\u00e4ttningar till kapitalf\u00f6rs\u00e4kringen beskattas lika mycket som ing\u00e5ende v\u00e4rdet vid b\u00f6rjan av \u00e5ret. P\u00e5 ISK dras skatten i samband med deklarationen. <\/p>\n\n\n\n

Rot- och ruttj\u00e4nster<\/strong><\/h2>\n\n\n\n

Har du nyttjat rut eller rot under \u00e5ret ska det redovisas i v\u00e5rens deklaration. Skulle du vilja omf\u00f6rdela avdragen mellan dig och din partner s\u00e5 \u00e4r det h\u00f6g tid att g\u00f6ra detta f\u00f6re ny\u00e5r. F\u00f6r 2023 f\u00e5r du g\u00f6ra rutavdrag f\u00f6r maximalt 75 000 kronor per person och \u00e5r, medan rot ligger p\u00e5 50 000 kronor per \u00e5r f\u00f6r 2023. Man f\u00e5r inte g\u00f6ra avdrag p\u00e5 mer \u00e4n 75 000 kronor totalt f\u00f6r rot och tur f\u00f6r 2023. Regeringen har f\u00f6reslagit att det ska inf\u00f6ras separata tak den 1 juli 2024. Men \u00e4n s\u00e5 l\u00e4nge \u00e4r taket detsamma. Att omf\u00f6rdela avdraget mellan er ger en m\u00f6jlighet att nyttja avdraget maximalt. En beg\u00e4ran om omf\u00f6rdelning av rot och rut g\u00f6r du via Skatteverket. Kom ih\u00e5g att du m\u00e5ste ha betalat minst 75 000 kronor i skatt under \u00e5ret. I vanlig ordning ans\u00f6ker du normalt inte sj\u00e4lv om avdraget utan den som utf\u00f6rt arbetet ans\u00f6ker om avdrag f\u00f6r 50 procent av arbetskostnaden (rut) respektive 30 procent av arbetskostnaden (rot). <\/p>\n\n\n\n

Se \u00f6ver r\u00e4ntebetalningarna<\/strong><\/h2>\n\n\n\n

Samma princip g\u00e4ller f\u00f6r r\u00e4ntebetalningarna, om ni har bostadsl\u00e5n. Se \u00f6ver f\u00f6rdelningen av r\u00e4ntebetalningarna p\u00e5 bostadsl\u00e5n s\u00e5 att r\u00e4nteavdraget du har f\u00f6r alla r\u00e4ntekostnader kan nyttjas till max. Det h\u00e4r kan din bank hj\u00e4lpa dig med, s\u00e5 kontakta banken f\u00f6re \u00e5rsskiftet s\u00e5 blir r\u00e4tt f\u00f6rdelning f\u00f6rtryckt i deklarationen. <\/p>\n\n\n\n

H\u00e4lsokontroll<\/h2>\n\n\n\n

\u00c5rsskiftet markerar ett avslut och en b\u00f6rjan. Varf\u00f6r inte ta tillf\u00e4llet i akt och se \u00f6ver kostnader nu n\u00e4r vi g\u00e5r in i tuffare tider med h\u00f6gre kostnader f\u00f6r mat, el och r\u00e4ntor? Kanske \u00e4r det n\u00e5got abonnemang som l\u00f6per p\u00e5 som kan avslutas? Eller ett konsumtionsl\u00e5n med h\u00f6g r\u00e4nta som kan betalas av? Kolla ocks\u00e5 bol\u00e5net. N\u00e4r g\u00e5r r\u00e4nterabatten ut och kan du f\u00e5 en l\u00e4gre r\u00e4nta n\u00e5gon annananstans? Kolla ocks\u00e5 n\u00e4r bindningstiden p\u00e5 ditt bol\u00e5n g\u00e5r ut, om du har bundet. R\u00e4ntetoppen \u00e4r n\u00e5dd, och n\u00e4sta steg b\u00f6r vara s\u00e4nkningar, vilket man b\u00f6r ha i \u00e5tanke. <\/p>\n\n\n\n

G\u00e5 igenom f\u00f6rs\u00e4kringar, har du r\u00e4tt f\u00f6rs\u00e4kringar eller \u00e4r du kanske \u00f6verf\u00f6rs\u00e4krad p\u00e5 n\u00e5got omr\u00e5de? En h\u00e4lsokontroll av ekonomin \u00e4r inte fel. <\/p>\n\n\n\n

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

Det finns n\u00e5gra saker du kan beh\u00f6va g\u00f6ra f\u00f6r din ekonomi innan \u00e5ret \u00e4r slut. Om inte annat kan \u00e5rsskiftet utg\u00f6ra ett bra tillf\u00e4lle f\u00f6r en h\u00e4lsokontroll. H\u00e4r \u00e4r skattetipsen du beh\u00f6ver. ISK eller dep\u00e5? N\u00e4sta \u00e5r h\u00f6js skatten p\u00e5 ISK, med anledning av den h\u00f6gre statsl\u00e5ner\u00e4ntan, Skatten f\u00f6r \u00e5r 2024, som kommer tas upp […]<\/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":[4053],"tags":[],"class_list":["post-78554","post","type-post","status-publish","format-standard","hentry","category-privatekonomi"],"acf":[],"all_images":{"thumbnail":{"src":"https:\/\/blogg.nordnet.se\/wp-content\/uploads\/2020\/10\/frida-2-150x54.png","width":150,"height":54,"crop":true,"srcset":"https:\/\/blogg.nordnet.se\/wp-content\/uploads\/2020\/10\/frida-2-150x54.png 150w, https:\/\/blogg.nordnet.se\/wp-content\/uploads\/2020\/10\/frida-2-620x222.png 620w, https:\/\/blogg.nordnet.se\/wp-content\/uploads\/2020\/10\/frida-2-1024x367.png 1024w, https:\/\/blogg.nordnet.se\/wp-content\/uploads\/2020\/10\/frida-2-768x275.png 768w, https:\/\/blogg.nordnet.se\/wp-content\/uploads\/2020\/10\/frida-2-370x133.png 370w, https:\/\/blogg.nordnet.se\/wp-content\/uploads\/2020\/10\/frida-2-270x97.png 270w, https:\/\/blogg.nordnet.se\/wp-content\/uploads\/2020\/10\/frida-2-570x204.png 570w, https:\/\/blogg.nordnet.se\/wp-content\/uploads\/2020\/10\/frida-2-740x265.png 740w, https:\/\/blogg.nordnet.se\/wp-content\/uploads\/2020\/10\/frida-2.png 1200w","alt":""},"medium":{"src":"https:\/\/blogg.nordnet.se\/wp-content\/uploads\/2020\/10\/frida-2-620x222.png","width":620,"height":222,"crop":true,"srcset":"https:\/\/blogg.nordnet.se\/wp-content\/uploads\/2020\/10\/frida-2-620x222.png 620w, https:\/\/blogg.nordnet.se\/wp-content\/uploads\/2020\/10\/frida-2-1024x367.png 1024w, https:\/\/blogg.nordnet.se\/wp-content\/uploads\/2020\/10\/frida-2-150x54.png 150w, https:\/\/blogg.nordnet.se\/wp-content\/uploads\/2020\/10\/frida-2-768x275.png 768w, https:\/\/blogg.nordnet.se\/wp-content\/uploads\/2020\/10\/frida-2-370x133.png 370w, https:\/\/blogg.nordnet.se\/wp-content\/uploads\/2020\/10\/frida-2-270x97.png 270w, https:\/\/blogg.nordnet.se\/wp-content\/uploads\/2020\/10\/frida-2-570x204.png 570w, https:\/\/blogg.nordnet.se\/wp-content\/uploads\/2020\/10\/frida-2-740x265.png 740w, https:\/\/blogg.nordnet.se\/wp-content\/uploads\/2020\/10\/frida-2.png 1200w","alt":""},"medium_large":{"src":"https:\/\/blogg.nordnet.se\/wp-content\/uploads\/2020\/10\/frida-2-768x275.png","width":768,"height":275,"crop":true,"srcset":"https:\/\/blogg.nordnet.se\/wp-content\/uploads\/2020\/10\/frida-2-768x275.png 768w, https:\/\/blogg.nordnet.se\/wp-content\/uploads\/2020\/10\/frida-2-620x222.png 620w, https:\/\/blogg.nordnet.se\/wp-content\/uploads\/2020\/10\/frida-2-1024x367.png 1024w, https:\/\/blogg.nordnet.se\/wp-content\/uploads\/2020\/10\/frida-2-150x54.png 150w, https:\/\/blogg.nordnet.se\/wp-content\/uploads\/2020\/10\/frida-2-370x133.png 370w, https:\/\/blogg.nordnet.se\/wp-content\/uploads\/2020\/10\/frida-2-270x97.png 270w, https:\/\/blogg.nordnet.se\/wp-content\/uploads\/2020\/10\/frida-2-570x204.png 570w, https:\/\/blogg.nordnet.se\/wp-content\/uploads\/2020\/10\/frida-2-740x265.png 740w, https:\/\/blogg.nordnet.se\/wp-content\/uploads\/2020\/10\/frida-2.png 1200w","alt":""},"large":{"src":"https:\/\/blogg.nordnet.se\/wp-content\/uploads\/2020\/10\/frida-2-1024x367.png","width":770,"height":276,"crop":true,"srcset":"https:\/\/blogg.nordnet.se\/wp-content\/uploads\/2020\/10\/frida-2-1024x367.png 1024w, https:\/\/blogg.nordnet.se\/wp-content\/uploads\/2020\/10\/frida-2-620x222.png 620w, https:\/\/blogg.nordnet.se\/wp-content\/uploads\/2020\/10\/frida-2-150x54.png 150w, https:\/\/blogg.nordnet.se\/wp-content\/uploads\/2020\/10\/frida-2-768x275.png 768w, https:\/\/blogg.nordnet.se\/wp-content\/uploads\/2020\/10\/frida-2-370x133.png 370w, https:\/\/blogg.nordnet.se\/wp-content\/uploads\/2020\/10\/frida-2-270x97.png 270w, https:\/\/blogg.nordnet.se\/wp-content\/uploads\/2020\/10\/frida-2-570x204.png 570w, https:\/\/blogg.nordnet.se\/wp-content\/uploads\/2020\/10\/frida-2-740x265.png 740w, https:\/\/blogg.nordnet.se\/wp-content\/uploads\/2020\/10\/frida-2.png 1200w","alt":""},"1536x1536":{"src":"https:\/\/blogg.nordnet.se\/wp-content\/uploads\/2020\/10\/frida-2.png","width":1200,"height":430,"crop":false,"srcset":"https:\/\/blogg.nordnet.se\/wp-content\/uploads\/2020\/10\/frida-2.png 1200w, https:\/\/blogg.nordnet.se\/wp-content\/uploads\/2020\/10\/frida-2-620x222.png 620w, https:\/\/blogg.nordnet.se\/wp-content\/uploads\/2020\/10\/frida-2-1024x367.png 1024w, https:\/\/blogg.nordnet.se\/wp-content\/uploads\/2020\/10\/frida-2-150x54.png 150w, https:\/\/blogg.nordnet.se\/wp-content\/uploads\/2020\/10\/frida-2-768x275.png 768w, https:\/\/blogg.nordnet.se\/wp-content\/uploads\/2020\/10\/frida-2-370x133.png 370w, https:\/\/blogg.nordnet.se\/wp-content\/uploads\/2020\/10\/frida-2-270x97.png 270w, https:\/\/blogg.nordnet.se\/wp-content\/uploads\/2020\/10\/frida-2-570x204.png 570w, https:\/\/blogg.nordnet.se\/wp-content\/uploads\/2020\/10\/frida-2-740x265.png 740w","alt":""},"2048x2048":{"src":"https:\/\/blogg.nordnet.se\/wp-content\/uploads\/2020\/10\/frida-2.png","width":1200,"height":430,"crop":false,"srcset":"https:\/\/blogg.nordnet.se\/wp-content\/uploads\/2020\/10\/frida-2.png 1200w, https:\/\/blogg.nordnet.se\/wp-content\/uploads\/2020\/10\/frida-2-620x222.png 620w, https:\/\/blogg.nordnet.se\/wp-content\/uploads\/2020\/10\/frida-2-1024x367.png 1024w, https:\/\/blogg.nordnet.se\/wp-content\/uploads\/2020\/10\/frida-2-150x54.png 150w, https:\/\/blogg.nordnet.se\/wp-content\/uploads\/2020\/10\/frida-2-768x275.png 768w, https:\/\/blogg.nordnet.se\/wp-content\/uploads\/2020\/10\/frida-2-370x133.png 370w, https:\/\/blogg.nordnet.se\/wp-content\/uploads\/2020\/10\/frida-2-270x97.png 270w, https:\/\/blogg.nordnet.se\/wp-content\/uploads\/2020\/10\/frida-2-570x204.png 570w, https:\/\/blogg.nordnet.se\/wp-content\/uploads\/2020\/10\/frida-2-740x265.png 740w","alt":""},"awb_sm":{"src":"https:\/\/blogg.nordnet.se\/wp-content\/uploads\/2020\/10\/frida-2.png","width":500,"height":179,"crop":false,"srcset":"https:\/\/blogg.nordnet.se\/wp-content\/uploads\/2020\/10\/frida-2.png 1200w, https:\/\/blogg.nordnet.se\/wp-content\/uploads\/2020\/10\/frida-2-620x222.png 620w, https:\/\/blogg.nordnet.se\/wp-content\/uploads\/2020\/10\/frida-2-1024x367.png 1024w, https:\/\/blogg.nordnet.se\/wp-content\/uploads\/2020\/10\/frida-2-150x54.png 150w, https:\/\/blogg.nordnet.se\/wp-content\/uploads\/2020\/10\/frida-2-768x275.png 768w, https:\/\/blogg.nordnet.se\/wp-content\/uploads\/2020\/10\/frida-2-370x133.png 370w, https:\/\/blogg.nordnet.se\/wp-content\/uploads\/2020\/10\/frida-2-270x97.png 270w, https:\/\/blogg.nordnet.se\/wp-content\/uploads\/2020\/10\/frida-2-570x204.png 570w, https:\/\/blogg.nordnet.se\/wp-content\/uploads\/2020\/10\/frida-2-740x265.png 740w","alt":""},"awb_md":{"src":"https:\/\/blogg.nordnet.se\/wp-content\/uploads\/2020\/10\/frida-2.png","width":800,"height":287,"crop":false,"srcset":"https:\/\/blogg.nordnet.se\/wp-content\/uploads\/2020\/10\/frida-2.png 1200w, https:\/\/blogg.nordnet.se\/wp-content\/uploads\/2020\/10\/frida-2-620x222.png 620w, https:\/\/blogg.nordnet.se\/wp-content\/uploads\/2020\/10\/frida-2-1024x367.png 1024w, https:\/\/blogg.nordnet.se\/wp-content\/uploads\/2020\/10\/frida-2-150x54.png 150w, https:\/\/blogg.nordnet.se\/wp-content\/uploads\/2020\/10\/frida-2-768x275.png 768w, https:\/\/blogg.nordnet.se\/wp-content\/uploads\/2020\/10\/frida-2-370x133.png 370w, https:\/\/blogg.nordnet.se\/wp-content\/uploads\/2020\/10\/frida-2-270x97.png 270w, https:\/\/blogg.nordnet.se\/wp-content\/uploads\/2020\/10\/frida-2-570x204.png 570w, https:\/\/blogg.nordnet.se\/wp-content\/uploads\/2020\/10\/frida-2-740x265.png 740w","alt":""},"awb_lg":{"src":"https:\/\/blogg.nordnet.se\/wp-content\/uploads\/2020\/10\/frida-2.png","width":1200,"height":430,"crop":false,"srcset":"https:\/\/blogg.nordnet.se\/wp-content\/uploads\/2020\/10\/frida-2.png 1200w, https:\/\/blogg.nordnet.se\/wp-content\/uploads\/2020\/10\/frida-2-620x222.png 620w, https:\/\/blogg.nordnet.se\/wp-content\/uploads\/2020\/10\/frida-2-1024x367.png 1024w, https:\/\/blogg.nordnet.se\/wp-content\/uploads\/2020\/10\/frida-2-150x54.png 150w, https:\/\/blogg.nordnet.se\/wp-content\/uploads\/2020\/10\/frida-2-768x275.png 768w, https:\/\/blogg.nordnet.se\/wp-content\/uploads\/2020\/10\/frida-2-370x133.png 370w, https:\/\/blogg.nordnet.se\/wp-content\/uploads\/2020\/10\/frida-2-270x97.png 270w, https:\/\/blogg.nordnet.se\/wp-content\/uploads\/2020\/10\/frida-2-570x204.png 570w, https:\/\/blogg.nordnet.se\/wp-content\/uploads\/2020\/10\/frida-2-740x265.png 740w","alt":""},"awb_xl":{"src":"https:\/\/blogg.nordnet.se\/wp-content\/uploads\/2020\/10\/frida-2.png","width":1200,"height":430,"crop":false,"srcset":"https:\/\/blogg.nordnet.se\/wp-content\/uploads\/2020\/10\/frida-2.png 1200w, https:\/\/blogg.nordnet.se\/wp-content\/uploads\/2020\/10\/frida-2-620x222.png 620w, https:\/\/blogg.nordnet.se\/wp-content\/uploads\/2020\/10\/frida-2-1024x367.png 1024w, https:\/\/blogg.nordnet.se\/wp-content\/uploads\/2020\/10\/frida-2-150x54.png 150w, https:\/\/blogg.nordnet.se\/wp-content\/uploads\/2020\/10\/frida-2-768x275.png 768w, https:\/\/blogg.nordnet.se\/wp-content\/uploads\/2020\/10\/frida-2-370x133.png 370w, https:\/\/blogg.nordnet.se\/wp-content\/uploads\/2020\/10\/frida-2-270x97.png 270w, https:\/\/blogg.nordnet.se\/wp-content\/uploads\/2020\/10\/frida-2-570x204.png 570w, https:\/\/blogg.nordnet.se\/wp-content\/uploads\/2020\/10\/frida-2-740x265.png 740w","alt":""},"gridlove-a4":{"src":"https:\/\/blogg.nordnet.se\/wp-content\/uploads\/2020\/10\/frida-2-370x150.png","width":370,"height":150,"crop":true,"srcset":false,"alt":""},"gridlove-a4-orig":{"src":"https:\/\/blogg.nordnet.se\/wp-content\/uploads\/2020\/10\/frida-2-370x133.png","width":370,"height":133,"crop":true,"srcset":"https:\/\/blogg.nordnet.se\/wp-content\/uploads\/2020\/10\/frida-2-370x133.png 370w, https:\/\/blogg.nordnet.se\/wp-content\/uploads\/2020\/10\/frida-2-620x222.png 620w, https:\/\/blogg.nordnet.se\/wp-content\/uploads\/2020\/10\/frida-2-1024x367.png 1024w, https:\/\/blogg.nordnet.se\/wp-content\/uploads\/2020\/10\/frida-2-150x54.png 150w, https:\/\/blogg.nordnet.se\/wp-content\/uploads\/2020\/10\/frida-2-768x275.png 768w, https:\/\/blogg.nordnet.se\/wp-content\/uploads\/2020\/10\/frida-2-270x97.png 270w, https:\/\/blogg.nordnet.se\/wp-content\/uploads\/2020\/10\/frida-2-570x204.png 570w, https:\/\/blogg.nordnet.se\/wp-content\/uploads\/2020\/10\/frida-2-740x265.png 740w, https:\/\/blogg.nordnet.se\/wp-content\/uploads\/2020\/10\/frida-2.png 1200w","alt":""},"gridlove-a3-orig":{"src":"https:\/\/blogg.nordnet.se\/wp-content\/uploads\/2020\/10\/frida-2-270x97.png","width":270,"height":97,"crop":true,"srcset":"https:\/\/blogg.nordnet.se\/wp-content\/uploads\/2020\/10\/frida-2-270x97.png 270w, https:\/\/blogg.nordnet.se\/wp-content\/uploads\/2020\/10\/frida-2-620x222.png 620w, https:\/\/blogg.nordnet.se\/wp-content\/uploads\/2020\/10\/frida-2-1024x367.png 1024w, https:\/\/blogg.nordnet.se\/wp-content\/uploads\/2020\/10\/frida-2-150x54.png 150w, https:\/\/blogg.nordnet.se\/wp-content\/uploads\/2020\/10\/frida-2-768x275.png 768w, https:\/\/blogg.nordnet.se\/wp-content\/uploads\/2020\/10\/frida-2-370x133.png 370w, https:\/\/blogg.nordnet.se\/wp-content\/uploads\/2020\/10\/frida-2-570x204.png 570w, https:\/\/blogg.nordnet.se\/wp-content\/uploads\/2020\/10\/frida-2-740x265.png 740w, https:\/\/blogg.nordnet.se\/wp-content\/uploads\/2020\/10\/frida-2.png 1200w","alt":""},"gridlove-b6":{"src":"https:\/\/blogg.nordnet.se\/wp-content\/uploads\/2020\/10\/frida-2-285x300.png","width":285,"height":300,"crop":true,"srcset":false,"alt":""},"gridlove-b7":{"src":"https:\/\/blogg.nordnet.se\/wp-content\/uploads\/2020\/10\/frida-2-335x300.png","width":335,"height":300,"crop":true,"srcset":false,"alt":""},"gridlove-b8":{"src":"https:\/\/blogg.nordnet.se\/wp-content\/uploads\/2020\/10\/frida-2-385x300.png","width":385,"height":300,"crop":true,"srcset":false,"alt":""},"gridlove-b9":{"src":"https:\/\/blogg.nordnet.se\/wp-content\/uploads\/2020\/10\/frida-2-435x300.png","width":435,"height":300,"crop":true,"srcset":false,"alt":""},"gridlove-b12":{"src":"https:\/\/blogg.nordnet.se\/wp-content\/uploads\/2020\/10\/frida-2-585x300.png","width":585,"height":300,"crop":true,"srcset":false,"alt":""},"gridlove-d3":{"src":"https:\/\/blogg.nordnet.se\/wp-content\/uploads\/2020\/10\/frida-2-270x300.png","width":270,"height":300,"crop":true,"srcset":false,"alt":""},"gridlove-d3-orig":{"src":"https:\/\/blogg.nordnet.se\/wp-content\/uploads\/2020\/10\/frida-2-270x97.png","width":270,"height":97,"crop":true,"srcset":"https:\/\/blogg.nordnet.se\/wp-content\/uploads\/2020\/10\/frida-2-270x97.png 270w, https:\/\/blogg.nordnet.se\/wp-content\/uploads\/2020\/10\/frida-2-620x222.png 620w, https:\/\/blogg.nordnet.se\/wp-content\/uploads\/2020\/10\/frida-2-1024x367.png 1024w, https:\/\/blogg.nordnet.se\/wp-content\/uploads\/2020\/10\/frida-2-150x54.png 150w, https:\/\/blogg.nordnet.se\/wp-content\/uploads\/2020\/10\/frida-2-768x275.png 768w, https:\/\/blogg.nordnet.se\/wp-content\/uploads\/2020\/10\/frida-2-370x133.png 370w, https:\/\/blogg.nordnet.se\/wp-content\/uploads\/2020\/10\/frida-2-570x204.png 570w, https:\/\/blogg.nordnet.se\/wp-content\/uploads\/2020\/10\/frida-2-740x265.png 740w, https:\/\/blogg.nordnet.se\/wp-content\/uploads\/2020\/10\/frida-2.png 1200w","alt":""},"gridlove-d4":{"src":"https:\/\/blogg.nordnet.se\/wp-content\/uploads\/2020\/10\/frida-2-370x300.png","width":370,"height":300,"crop":true,"srcset":false,"alt":""},"gridlove-d4-orig":{"src":"https:\/\/blogg.nordnet.se\/wp-content\/uploads\/2020\/10\/frida-2-370x133.png","width":370,"height":133,"crop":true,"srcset":"https:\/\/blogg.nordnet.se\/wp-content\/uploads\/2020\/10\/frida-2-370x133.png 370w, https:\/\/blogg.nordnet.se\/wp-content\/uploads\/2020\/10\/frida-2-620x222.png 620w, https:\/\/blogg.nordnet.se\/wp-content\/uploads\/2020\/10\/frida-2-1024x367.png 1024w, https:\/\/blogg.nordnet.se\/wp-content\/uploads\/2020\/10\/frida-2-150x54.png 150w, https:\/\/blogg.nordnet.se\/wp-content\/uploads\/2020\/10\/frida-2-768x275.png 768w, https:\/\/blogg.nordnet.se\/wp-content\/uploads\/2020\/10\/frida-2-270x97.png 270w, https:\/\/blogg.nordnet.se\/wp-content\/uploads\/2020\/10\/frida-2-570x204.png 570w, https:\/\/blogg.nordnet.se\/wp-content\/uploads\/2020\/10\/frida-2-740x265.png 740w, https:\/\/blogg.nordnet.se\/wp-content\/uploads\/2020\/10\/frida-2.png 1200w","alt":""},"gridlove-d5":{"src":"https:\/\/blogg.nordnet.se\/wp-content\/uploads\/2020\/10\/frida-2-470x300.png","width":470,"height":300,"crop":true,"srcset":false,"alt":""},"gridlove-d6":{"src":"https:\/\/blogg.nordnet.se\/wp-content\/uploads\/2020\/10\/frida-2-570x300.png","width":570,"height":300,"crop":true,"srcset":false,"alt":""},"gridlove-d6-orig":{"src":"https:\/\/blogg.nordnet.se\/wp-content\/uploads\/2020\/10\/frida-2-570x204.png","width":570,"height":204,"crop":true,"srcset":"https:\/\/blogg.nordnet.se\/wp-content\/uploads\/2020\/10\/frida-2-570x204.png 570w, https:\/\/blogg.nordnet.se\/wp-content\/uploads\/2020\/10\/frida-2-620x222.png 620w, https:\/\/blogg.nordnet.se\/wp-content\/uploads\/2020\/10\/frida-2-1024x367.png 1024w, https:\/\/blogg.nordnet.se\/wp-content\/uploads\/2020\/10\/frida-2-150x54.png 150w, https:\/\/blogg.nordnet.se\/wp-content\/uploads\/2020\/10\/frida-2-768x275.png 768w, https:\/\/blogg.nordnet.se\/wp-content\/uploads\/2020\/10\/frida-2-370x133.png 370w, https:\/\/blogg.nordnet.se\/wp-content\/uploads\/2020\/10\/frida-2-270x97.png 270w, https:\/\/blogg.nordnet.se\/wp-content\/uploads\/2020\/10\/frida-2-740x265.png 740w, https:\/\/blogg.nordnet.se\/wp-content\/uploads\/2020\/10\/frida-2.png 1200w","alt":""},"gridlove-cover":{"src":"https:\/\/blogg.nordnet.se\/wp-content\/uploads\/2020\/10\/frida-2.png","width":1200,"height":430,"crop":false,"srcset":"https:\/\/blogg.nordnet.se\/wp-content\/uploads\/2020\/10\/frida-2.png 1200w, https:\/\/blogg.nordnet.se\/wp-content\/uploads\/2020\/10\/frida-2-620x222.png 620w, https:\/\/blogg.nordnet.se\/wp-content\/uploads\/2020\/10\/frida-2-1024x367.png 1024w, https:\/\/blogg.nordnet.se\/wp-content\/uploads\/2020\/10\/frida-2-150x54.png 150w, https:\/\/blogg.nordnet.se\/wp-content\/uploads\/2020\/10\/frida-2-768x275.png 768w, https:\/\/blogg.nordnet.se\/wp-content\/uploads\/2020\/10\/frida-2-370x133.png 370w, https:\/\/blogg.nordnet.se\/wp-content\/uploads\/2020\/10\/frida-2-270x97.png 270w, https:\/\/blogg.nordnet.se\/wp-content\/uploads\/2020\/10\/frida-2-570x204.png 570w, https:\/\/blogg.nordnet.se\/wp-content\/uploads\/2020\/10\/frida-2-740x265.png 740w","alt":""},"gridlove-single":{"src":"https:\/\/blogg.nordnet.se\/wp-content\/uploads\/2020\/10\/frida-2-740x265.png","width":740,"height":265,"crop":true,"srcset":"https:\/\/blogg.nordnet.se\/wp-content\/uploads\/2020\/10\/frida-2-740x265.png 740w, https:\/\/blogg.nordnet.se\/wp-content\/uploads\/2020\/10\/frida-2-620x222.png 620w, https:\/\/blogg.nordnet.se\/wp-content\/uploads\/2020\/10\/frida-2-1024x367.png 1024w, https:\/\/blogg.nordnet.se\/wp-content\/uploads\/2020\/10\/frida-2-150x54.png 150w, https:\/\/blogg.nordnet.se\/wp-content\/uploads\/2020\/10\/frida-2-768x275.png 768w, https:\/\/blogg.nordnet.se\/wp-content\/uploads\/2020\/10\/frida-2-370x133.png 370w, https:\/\/blogg.nordnet.se\/wp-content\/uploads\/2020\/10\/frida-2-270x97.png 270w, https:\/\/blogg.nordnet.se\/wp-content\/uploads\/2020\/10\/frida-2-570x204.png 570w, https:\/\/blogg.nordnet.se\/wp-content\/uploads\/2020\/10\/frida-2.png 1200w","alt":""},"gridlove-thumbnail":{"src":"https:\/\/blogg.nordnet.se\/wp-content\/uploads\/2020\/10\/frida-2-80x60.png","width":80,"height":60,"crop":true,"srcset":false,"alt":""},"gridlove-child-single":{"src":"https:\/\/blogg.nordnet.se\/wp-content\/uploads\/2020\/10\/frida-2.png","width":1200,"height":430,"crop":false,"srcset":"https:\/\/blogg.nordnet.se\/wp-content\/uploads\/2020\/10\/frida-2.png 1200w, https:\/\/blogg.nordnet.se\/wp-content\/uploads\/2020\/10\/frida-2-620x222.png 620w, https:\/\/blogg.nordnet.se\/wp-content\/uploads\/2020\/10\/frida-2-1024x367.png 1024w, https:\/\/blogg.nordnet.se\/wp-content\/uploads\/2020\/10\/frida-2-150x54.png 150w, https:\/\/blogg.nordnet.se\/wp-content\/uploads\/2020\/10\/frida-2-768x275.png 768w, https:\/\/blogg.nordnet.se\/wp-content\/uploads\/2020\/10\/frida-2-370x133.png 370w, https:\/\/blogg.nordnet.se\/wp-content\/uploads\/2020\/10\/frida-2-270x97.png 270w, https:\/\/blogg.nordnet.se\/wp-content\/uploads\/2020\/10\/frida-2-570x204.png 570w, https:\/\/blogg.nordnet.se\/wp-content\/uploads\/2020\/10\/frida-2-740x265.png 740w","alt":""},"gridlove-child-cover-7":{"src":"https:\/\/blogg.nordnet.se\/wp-content\/uploads\/2020\/10\/frida-2.png","width":1200,"height":430,"crop":false,"srcset":"https:\/\/blogg.nordnet.se\/wp-content\/uploads\/2020\/10\/frida-2.png 1200w, https:\/\/blogg.nordnet.se\/wp-content\/uploads\/2020\/10\/frida-2-620x222.png 620w, https:\/\/blogg.nordnet.se\/wp-content\/uploads\/2020\/10\/frida-2-1024x367.png 1024w, https:\/\/blogg.nordnet.se\/wp-content\/uploads\/2020\/10\/frida-2-150x54.png 150w, https:\/\/blogg.nordnet.se\/wp-content\/uploads\/2020\/10\/frida-2-768x275.png 768w, https:\/\/blogg.nordnet.se\/wp-content\/uploads\/2020\/10\/frida-2-370x133.png 370w, https:\/\/blogg.nordnet.se\/wp-content\/uploads\/2020\/10\/frida-2-270x97.png 270w, https:\/\/blogg.nordnet.se\/wp-content\/uploads\/2020\/10\/frida-2-570x204.png 570w, https:\/\/blogg.nordnet.se\/wp-content\/uploads\/2020\/10\/frida-2-740x265.png 740w","alt":""},"gform-image-choice-sm":{"src":"https:\/\/blogg.nordnet.se\/wp-content\/uploads\/2020\/10\/frida-2.png","width":300,"height":108,"crop":false,"srcset":"https:\/\/blogg.nordnet.se\/wp-content\/uploads\/2020\/10\/frida-2.png 1200w, https:\/\/blogg.nordnet.se\/wp-content\/uploads\/2020\/10\/frida-2-620x222.png 620w, https:\/\/blogg.nordnet.se\/wp-content\/uploads\/2020\/10\/frida-2-1024x367.png 1024w, https:\/\/blogg.nordnet.se\/wp-content\/uploads\/2020\/10\/frida-2-150x54.png 150w, https:\/\/blogg.nordnet.se\/wp-content\/uploads\/2020\/10\/frida-2-768x275.png 768w, https:\/\/blogg.nordnet.se\/wp-content\/uploads\/2020\/10\/frida-2-370x133.png 370w, https:\/\/blogg.nordnet.se\/wp-content\/uploads\/2020\/10\/frida-2-270x97.png 270w, https:\/\/blogg.nordnet.se\/wp-content\/uploads\/2020\/10\/frida-2-570x204.png 570w, https:\/\/blogg.nordnet.se\/wp-content\/uploads\/2020\/10\/frida-2-740x265.png 740w","alt":""},"gform-image-choice-md":{"src":"https:\/\/blogg.nordnet.se\/wp-content\/uploads\/2020\/10\/frida-2.png","width":400,"height":143,"crop":false,"srcset":"https:\/\/blogg.nordnet.se\/wp-content\/uploads\/2020\/10\/frida-2.png 1200w, https:\/\/blogg.nordnet.se\/wp-content\/uploads\/2020\/10\/frida-2-620x222.png 620w, https:\/\/blogg.nordnet.se\/wp-content\/uploads\/2020\/10\/frida-2-1024x367.png 1024w, https:\/\/blogg.nordnet.se\/wp-content\/uploads\/2020\/10\/frida-2-150x54.png 150w, https:\/\/blogg.nordnet.se\/wp-content\/uploads\/2020\/10\/frida-2-768x275.png 768w, https:\/\/blogg.nordnet.se\/wp-content\/uploads\/2020\/10\/frida-2-370x133.png 370w, https:\/\/blogg.nordnet.se\/wp-content\/uploads\/2020\/10\/frida-2-270x97.png 270w, https:\/\/blogg.nordnet.se\/wp-content\/uploads\/2020\/10\/frida-2-570x204.png 570w, https:\/\/blogg.nordnet.se\/wp-content\/uploads\/2020\/10\/frida-2-740x265.png 740w","alt":""},"gform-image-choice-lg":{"src":"https:\/\/blogg.nordnet.se\/wp-content\/uploads\/2020\/10\/frida-2.png","width":600,"height":215,"crop":false,"srcset":"https:\/\/blogg.nordnet.se\/wp-content\/uploads\/2020\/10\/frida-2.png 1200w, https:\/\/blogg.nordnet.se\/wp-content\/uploads\/2020\/10\/frida-2-620x222.png 620w, https:\/\/blogg.nordnet.se\/wp-content\/uploads\/2020\/10\/frida-2-1024x367.png 1024w, https:\/\/blogg.nordnet.se\/wp-content\/uploads\/2020\/10\/frida-2-150x54.png 150w, https:\/\/blogg.nordnet.se\/wp-content\/uploads\/2020\/10\/frida-2-768x275.png 768w, https:\/\/blogg.nordnet.se\/wp-content\/uploads\/2020\/10\/frida-2-370x133.png 370w, https:\/\/blogg.nordnet.se\/wp-content\/uploads\/2020\/10\/frida-2-270x97.png 270w, https:\/\/blogg.nordnet.se\/wp-content\/uploads\/2020\/10\/frida-2-570x204.png 570w, https:\/\/blogg.nordnet.se\/wp-content\/uploads\/2020\/10\/frida-2-740x265.png 740w","alt":""}},"image":["https:\/\/blogg.nordnet.se\/wp-content\/uploads\/2020\/10\/frida-2.png",1200,430,false],"acf_post_excerpt":"Det finns n\u00e5gra saker du kan beh\u00f6va g\u00f6ra f\u00f6r din ekonomi innan \u00e5ret \u00e4r slut. Om inte annat kan \u00e5rsskiftet utg\u00f6ra ett bra tillf\u00e4lle f\u00f6r en h\u00e4lsokontroll. H\u00e4r \u00e4r skattetipsen du beh\u00f6ver. ","acf_episode":null,"acf_podcast_time":null,"youtube_id":null,"_links":{"self":[{"href":"https:\/\/www.nordnet.se\/blogg\/wp-json\/wp\/v2\/posts\/78554","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.nordnet.se\/blogg\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.nordnet.se\/blogg\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.nordnet.se\/blogg\/wp-json\/wp\/v2\/users\/40184"}],"replies":[{"embeddable":true,"href":"https:\/\/www.nordnet.se\/blogg\/wp-json\/wp\/v2\/comments?post=78554"}],"version-history":[{"count":10,"href":"https:\/\/www.nordnet.se\/blogg\/wp-json\/wp\/v2\/posts\/78554\/revisions"}],"predecessor-version":[{"id":78711,"href":"https:\/\/www.nordnet.se\/blogg\/wp-json\/wp\/v2\/posts\/78554\/revisions\/78711"}],"wp:attachment":[{"href":"https:\/\/www.nordnet.se\/blogg\/wp-json\/wp\/v2\/media?parent=78554"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.nordnet.se\/blogg\/wp-json\/wp\/v2\/categories?post=78554"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.nordnet.se\/blogg\/wp-json\/wp\/v2\/tags?post=78554"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}],"author_decoded":""}}