{"id":80503,"date":"2024-04-10T12:00:33","date_gmt":"2024-04-10T10:00:33","guid":{"rendered":"https:\/\/www.nordnet.se\/blogg\/?p=80503"},"modified":"2024-05-21T15:21:39","modified_gmt":"2024-05-21T13:21:39","slug":"sparresa-hanna-moisander","status":"publish","type":"post","link":"https:\/\/www.nordnet.se\/blogg\/sparresa-hanna-moisander\/","title":{"rendered":"\u201dJag v\u00e4ljer min vardag varje dag &#8211; det \u00e4r ett h\u00e4rligt mindset\u201d"},"content":{"rendered":"\n<p><em>Hanna Moisander \u00e4r entrepren\u00f6r, investerare och styrelseledamot. Hon kombinerar att arbeta i sex styrelser, med att driva\u00a0<strong>deb. &#8211; diverse\u00a0executive\u00a0boards<\/strong>, ett nyt\u00e4nkande styrelseutbildningsbolag som vill skapa ett mer fram\u00e5tlutat styrelsearbete och s\u00e4nka tr\u00f6skeln in f\u00f6r underrepresenterade grupper. Otroligt h\u00e4ftigt och inspirerande tycker vi p\u00e5 Female Network och blir supernyfikna p\u00e5 att h\u00f6ra mer om Hannas egna investeringar. <\/em><\/p>\n\n\n\n<p><strong>Kul att tr\u00e4ffa dig Hanna! Av din presentation att d\u00f6ma misst\u00e4nker jag att du har ett visst intresse f\u00f6r det h\u00e4r med sparande och investeringar. Ber\u00e4tta!\u00a0<\/strong> <\/p>\n\n\n\n<p>Det st\u00e4mmer. Jag har nog alltid haft ett intresse f\u00f6r sparande; f\u00f6r mig handlar det om frihet och om en trygghet att kunna hantera of\u00f6rutsedda h\u00e4ndelser. Fr\u00e5n b\u00f6rjan var det fokus p\u00e5 att bygga upp kapital som gjorde att jag kunde v\u00e4lja att hoppa av uppdrag och styra \u00f6ver min egen tid. Senare blev det till en m\u00f6jlighet att kunna investera i bolag och individer som jag tror p\u00e5. <\/p>\n\n\n\n<p><strong>Nu blir jag nyfiken p\u00e5 din strategi. Hur ser den ut och har du n\u00e5gra sparm\u00e5l?<\/strong> <\/p>\n\n\n\n<p>Min strategi pr\u00e4glas av att skapa en ekonomisk frihet och d\u00e5 syftar jag i f\u00f6rsta hand inte p\u00e5 ett oberoende, utan att jag prioriterar att spara i goda tider f\u00f6r att bygga upp en buffert inf\u00f6r s\u00e4mre tider. Jag vill alltid ha en buffert i likvida medel, d\u00e4refter kan jag investera mer i h\u00f6grisk och p\u00e5 l\u00e4ngre sikt. Konkret betyder det att jag b\u00e5de har en aktieportf\u00f6lj och en del <a href=\"https:\/\/www.nordnet.se\/fonder\">fonder<\/a>, men \u00e4ven n\u00e5gra mindre \u00e4ngelinvesteringar i bolag jag engagerar mig i. <\/p>\n\n\n\n<p>Jag och min sambo amorterar \u00e4ven en stor summa och hoppas f\u00f6rst\u00e5s att v\u00e5rt boende ska vara en bra investering.\u00a0 <\/p>\n\n\n\n<p><strong>Hur mycket l\u00e4gger du undan, fr\u00e5n m\u00e5nad till m\u00e5nad?<\/strong> <\/p>\n\n\n\n<p>Oj, det \u00e4r helt beroende av vilken l\u00f6n jag kan ta ut.\u00a0Vid full l\u00f6n har jag en sparkvot p\u00e5 ungef\u00e4r 10-20%, ut\u00f6ver amortering. Jag har inte skaffat s\u00e5 dyra vanor, eller vant mig vid att leva med en h\u00f6gre standard \u00e4n jag beh\u00f6ver, d\u00e4rf\u00f6r \u00e4r det m\u00f6jligt. <\/p>\n\n\n\n<p><strong>Har du g\u00e5tt p\u00e5 n\u00e5gra minor l\u00e4ngs med v\u00e4gen?<\/strong> <\/p>\n\n\n\n<p>Minor vet jag inte, men m\u00e5nga l\u00e4rdomar. Jag investerar ofta p\u00e5 n\u00e4ra h\u00e5ll och kan d\u00e4rmed f\u00f6lja bolagen noggrant \u2013 s\u00e5 jag har l\u00e4rt mig massor! Medan vissa investeringar har g\u00e5tt bra, har andra inte varit monet\u00e4rt l\u00f6nsamma. Det ing\u00e5r! <\/p>\n\n\n\n<p><strong>Female Network \u00e4r ju v\u00e5rt s\u00e4tt att arbeta f\u00f6r en \u00f6kad j\u00e4mlikhet mellan kvinnors och m\u00e4ns sparande. Hur ser du p\u00e5 det faktum att kvinnor i mindre utstr\u00e4ckning sparar och investerar?<\/strong><\/p>\n\n\n\n<p>Det h\u00e4r \u00e4r verkligen n\u00e5got vi m\u00e5ste belysa. F\u00f6r mig har sparandet alltid varit likst\u00e4llt med frihet. Jag kanske inte har haft de st\u00f6rsta summorna genom \u00e5ren, men alltid n\u00e5gon form av f*ck off-kapital. Det \u00e4r n\u00e5got alla borde ha, f\u00f6r att kunna agera med integritet, v\u00e4rdera sin tid och ha frihet att g\u00f6ra egna val. Det beh\u00f6ver inte vara en o\u00e4ndlig ekonomisk frihet, snarare m\u00f6jligheten att klara sig under en period. Jag v\u00e4ljer min vardag varje dag f\u00f6r att jag \u00e4lskar den &#8211; det \u00e4r ett h\u00e4rligt mindset. <\/p>\n\n\n\n<p><strong>Vad tror du vi kan g\u00f6ra f\u00f6r att \u00e5stadkomma en f\u00f6r\u00e4ndring h\u00e4r?<\/strong> <\/p>\n\n\n\n<p>Jag tror det ni g\u00f6r med Female Network \u00e4r superbra. Vi beh\u00f6ver ocks\u00e5 utbilda unga om vikten av pengar och sparande, jag tror att det beh\u00f6ver b\u00f6rja tidigt och vara en del av skolan. <\/p>\n\n\n\n<p><strong>Innan vi rundar av vill jag h\u00f6ra om du har n\u00e5gra spartips att dela med Female Networks medlemmar?<\/strong> <\/p>\n\n\n\n<p>Det har jag och de \u00e4r faktiskt ganska enkla:<\/p>\n\n\n\n<ol class=\"wp-block-list\" start=\"1\">\n<li>Formulera sparm\u00e5l och skaffa en buffert<\/li>\n\n\n\n<li>Spara l\u00f6pande (d\u00e5 du kan) och g\u00e4rna lite mer aggressivt \u00e4n du tror g\u00e5r (s\u00e5 l\u00e4nge du kan ta ut pengarna om du skulle beh\u00f6va)<\/li>\n\n\n\n<li>Konsumera smart, undvik spontank\u00f6p och k\u00f6p begagnat f\u00f6rst och fr\u00e4mst, om inte f\u00f6r pl\u00e5nboken s\u00e5 f\u00f6r milj\u00f6n.<\/li>\n<\/ol>\n\n\n\n<p><strong>Tusen tack f\u00f6r din inspirerande ber\u00e4ttelse \u2013 och f\u00f6r alla tips!<\/strong> <\/p>\n\n\n\n<p>Tack sj\u00e4lv!<\/p>\n\n\n\n<p>     <\/p>\n\n\n\n<div class=\"wp-block-buttons is-layout-flex wp-block-buttons-is-layout-flex\">\n<div class=\"is-style-squared wp-block-button\"><a class=\"wp-block-button__link wp-element-button\" href=\"https:\/\/www.nordnet.se\/nordnet-female-network\">Bli medlem i Female Network (gratis)<\/a><\/div>\n<\/div>\n","protected":false},"excerpt":{"rendered":"<p>Hanna Moisander \u00e4r entrepren\u00f6r, investerare och styrelseledamot. Hon kombinerar att arbeta i sex styrelser, med att driva\u00a0deb. &#8211; diverse\u00a0executive\u00a0boards, ett nyt\u00e4nkande styrelseutbildningsbolag som vill skapa ett mer fram\u00e5tlutat styrelsearbete och s\u00e4nka tr\u00f6skeln in f\u00f6r underrepresenterade grupper. Otroligt h\u00e4ftigt och inspirerande tycker vi p\u00e5 Female Network och blir supernyfikna p\u00e5 att h\u00f6ra mer om Hannas egna [&hellip;]<\/p>\n","protected":false},"author":10042,"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":[72,4797],"class_list":["post-80503","post","type-post","status-publish","format-standard","hentry","category-female-network","tag-fonder","tag-sparresa"],"acf":[],"all_images":{"thumbnail":{"src":"https:\/\/blogg.nordnet.se\/wp-content\/uploads\/2024\/04\/sparresa_1200x430-150x54.jpg","width":150,"height":54,"crop":true,"srcset":"https:\/\/blogg.nordnet.se\/wp-content\/uploads\/2024\/04\/sparresa_1200x430-150x54.jpg 150w, 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Moisander \u00e4r entrepren\u00f6r, investerare och styrelseledamot. Hon kombinerar att arbeta i sex styrelser, med att driva\u00a0deb. - diverse\u00a0executive\u00a0boards. H\u00e4r delar hon sin sparresa.","acf_episode":null,"acf_podcast_time":null,"youtube_id":null,"_links":{"self":[{"href":"https:\/\/www.nordnet.se\/blogg\/wp-json\/wp\/v2\/posts\/80503","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\/10042"}],"replies":[{"embeddable":true,"href":"https:\/\/www.nordnet.se\/blogg\/wp-json\/wp\/v2\/comments?post=80503"}],"version-history":[{"count":11,"href":"https:\/\/www.nordnet.se\/blogg\/wp-json\/wp\/v2\/posts\/80503\/revisions"}],"predecessor-version":[{"id":80518,"href":"https:\/\/www.nordnet.se\/blogg\/wp-json\/wp\/v2\/posts\/80503\/revisions\/80518"}],"wp:attachment":[{"href":"https:\/\/www.nordnet.se\/blogg\/wp-json\/wp\/v2\/media?parent=80503"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.nordnet.se\/blogg\/wp-json\/wp\/v2\/categories?post=80503"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.nordnet.se\/blogg\/wp-json\/wp\/v2\/tags?post=80503"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}],"author_decoded":""}}