{"id":79791,"date":"2024-03-12T11:10:18","date_gmt":"2024-03-12T10:10:18","guid":{"rendered":"https:\/\/www.nordnet.se\/blogg\/?p=79791"},"modified":"2026-03-04T16:24:57","modified_gmt":"2026-03-04T15:24:57","slug":"ekonomiska-misstagen-att-undvika-under-foraldraledigheten","status":"publish","type":"post","link":"https:\/\/www.nordnet.se\/blogg\/ekonomiska-misstagen-att-undvika-under-foraldraledigheten\/","title":{"rendered":"Ekonomiska misstagen att undvika under f\u00f6r\u00e4ldraledigheten"},"content":{"rendered":"\n

F\u00f6r\u00e4ldraledigheten kan vara alldeles underbar, men ocks\u00e5 tuff rent ekonomiskt. H\u00e4r \u00e4r n\u00e5gra ekonomiska misstag att undvika medan du \u00e4r hemma med bebisen. <\/p>\n\n\n\n

F\u00f6ruts\u00e4tta att den med l\u00e4gst inkomst ska ta ut alla dagar<\/h2>\n\n\n\n

Det m\u00e5ste inte alltid vara s\u00e5 att det i alla situationer \u00e4r det mest f\u00f6rdelaktiga. Det kan \u00e5tminstone vara v\u00e4rt att kolla efter ordentligt \u2013 skatteeffekter och annat kan exempelvis g\u00f6ra att det inte m\u00e5ste vara mest f\u00f6rdelaktigt ekonomiskt att den som har l\u00e4gst l\u00f6n ska vara hemma l\u00e4ngt. P\u00e5 F\u00f6rs\u00e4kringskassans hemsida finns bra ber\u00e4kningsverktyg att ta till hj\u00e4lp.\u00a0 \u00a0 Ett misstag kan vara att en av parterna \u2013 och det \u00e4r oftast kvinnan – tar ut all f\u00f6r\u00e4ldraledighet och g\u00e5r ned p\u00e5 deltid. Det kan, \u00e4ven om det givetvis inte b\u00f6r vara s\u00e5, leda till s\u00e4mre m\u00f6jligheter till l\u00f6neutveckling och framsteg i karri\u00e4ren leda till l\u00e4gre inkomst l\u00e4ngre fram. D\u00e5 kommer det ocks\u00e5 p\u00e5verka pensionen. Det \u00e4r viktigt att vara medveten om det, oavsett hur man v\u00e4ljer att g\u00f6ra. \u00a0 <\/p>\n\n\n\n

Inte kompensera den som \u00e4r hemma mycket <\/h2>\n\n\n\n

Ett s\u00e4tt att kompensera utebliven l\u00f6neutveckling och pensionsinbetalningar f\u00f6r den som \u00e4r hemma mest och l\u00e4ngst \u00e4r att s\u00e4tta undan till ett sparande dedikerat f\u00f6r den personen. Man kan ocks\u00e5 f\u00f6ra \u00f6ver pensionsr\u00e4tter i premiepensionen f\u00f6r att st\u00e4rka ekonomin f\u00f6r den som varit hemma med barnen mest. \u00a0 <\/p>\n\n\n\n

Inte g\u00f6ra sparandet till enskild egendom<\/h2>\n\n\n\n

Kompensationssparandet b\u00f6r g\u00f6ras till enskild egendom. Annars ing\u00e5r det, exempelvis om det finns p\u00e5 ISK<\/a> eller sparkonto, i bodelning vid eventuell skilsm\u00e4ssa. Och det \u00e4r ju inte tanken.. <\/p>\n\n\n\n

Missa reglerna f\u00f6r SGI:n<\/h2>\n\n\n\n

F\u00f6re barnet har fyllt ett \u00e5r kan du ta ut f\u00f6r\u00e4ldradagar som du vill, men efter att barnet har fyllt ett \u00e5r g\u00e4ller att du m\u00e5ste ta ut minst fem f\u00f6r\u00e4ldradagar i veckan om du ska f\u00e5 beh\u00e5lla din SGI, allts\u00e5 den niv\u00e5 som baseras p\u00e5 den inkomst du hade fr\u00e5n ditt arbete f\u00f6re f\u00f6r\u00e4ldraledigheten. Det g\u00e4ller att h\u00e5lla koll p\u00e5 detta om man vill beh\u00e5lla sin ers\u00e4ttningsniv\u00e5. \u00a0 <\/p>\n\n\n\n

Missa “andrabarnet-premien”<\/h2>\n\n\n\n

Jag vill egentligen inte kalla det h\u00e4r f\u00f6r ett ekonomiskt misstag, och det kan finnas m\u00e5nga sk\u00e4l att inte f\u00e5 barn relativt t\u00e4tt. Ett uppenbart s\u00e5dant \u00e4r att det helt enkelt inte g\u00e5r. Men det kan vara bra att k\u00e4nna till att om man blir gravid inom att det f\u00f6rsta barnet \u00e4r ett \u00e5r och nio m\u00e5nader f\u00e5r man beh\u00e5lla sin tidigare niv\u00e5 p\u00e5 SGI:n. Det kan vara bra om det \u00e4r s\u00e5 att man g\u00e5tt ned p\u00e5 deltid eller liknande efter ledigheten med f\u00f6rsta barnet. \u00a0 <\/p>\n\n\n\n

Missa \u00e5ldersreglerna<\/h2>\n\n\n\n

Det g\u00e4ller att h\u00e5lla koll p\u00e5 reglerna s\u00e5 att dagar inte \u201dbrinner inne\u201d i on\u00f6dan. Du kan ta ut f\u00f6r\u00e4ldrapenning till och med den dag barnet fyller 12 \u00e5r. Men fr\u00e5n barnets 4-\u00e5rsdag g\u00e4ller att man bara kan spara 96 dagar sammanlagt. \u00c4r barnet f\u00f6tt f\u00f6re 2014 g\u00e4ller att f\u00f6r\u00e4ldrapenning kan tas till och med att barnet fyller 8 \u00e5r eller avslutat f\u00f6rsta \u00e5ret i grundskolan. <\/p>\n\n\n\n

Tro att den d\u00e5liga ekonomin varar f\u00f6r evigt<\/h2>\n\n\n\n

Det h\u00e4r \u00e4r under en begr\u00e4nsad tid. Det kan k\u00e4nnas tufft ekonomiskt, men det \u00e4r bara en period i ditt liv. Det kan hj\u00e4lpa att ha det i bakhuvudet.<\/p>\n","protected":false},"excerpt":{"rendered":"

F\u00f6r\u00e4ldraledigheten kan vara alldeles underbar, men ocks\u00e5 tuff rent ekonomiskt. H\u00e4r \u00e4r n\u00e5gra ekonomiska misstag att undvika medan du \u00e4r hemma med bebisen. F\u00f6ruts\u00e4tta att den med l\u00e4gst inkomst ska ta ut alla dagar Det m\u00e5ste inte alltid vara s\u00e5 att det i alla situationer \u00e4r det mest f\u00f6rdelaktiga. Det kan \u00e5tminstone vara v\u00e4rt att […]<\/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-79791","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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