\u00c1 kv\u00f6ld settumst vi\u00f0 Steinunn ni\u00f0ur til a\u00f0 ganga fr\u00e1 skattframtalinu \u00e1 netinu. Held a\u00f0 \u00e9g hafi aldrei veri\u00f0 svona t\u00ed\u00admanlega \u00ed\u00ad \u00fev\u00ed\u00ad \u00e1\u00f0ur – yfirleitt hefur \u00feetta enda\u00f0 \u00ed\u00ad stressi \u00e1 s\u00ed\u00ad\u00f0asta fresti.<\/p>\n
\u00dea\u00f0 er h\u00e6g\u00f0arleikur \u00ed\u00ad okkar tilviki a\u00f0 ganga fr\u00e1 framtalinu. \u00deetta eru meira e\u00f0a minna forskr\u00e1\u00f0ar uppl\u00fdsingar, fyrir utan nokkrar sm\u00e1grei\u00f0slur sem \u00e9g f\u00e9kk \u00far \u00fdmsum \u00e1ttum og h\u00fasn\u00e6\u00f0isl\u00e1n \u00e1 Steinunnar nafni \u00ed\u00ad Sparisj\u00f3\u00f0i Nor\u00f0fjar\u00f0ar sem einhvern veginn vir\u00f0ist aldrei \u00e6tla a\u00f0 komast inn \u00ed\u00ad kerfi\u00f0 hj\u00e1 skattinum.<\/p>\n
\u00dea\u00f0 var ekkert \u00f3v\u00e6nt vi\u00f0 ni\u00f0urst\u00f6\u00f0una. Vi\u00f0 erum nokkurn veginn \u00e1 n\u00falli gagnvart skattinum, eins og b\u00faast m\u00e1tti vi\u00f0. Vaxtab\u00e6turnar eru s\u00e1ralitlar, en vi\u00f0 skuldum svo sem ekki neitt a\u00f0 r\u00e1\u00f0i. Eitthva\u00f0 \u00e1 n\u00ed\u00adundu millj\u00f3n \u00feegar \u00f6ll h\u00fasn\u00e6\u00f0is- og n\u00e1msl\u00e1n eru tekin saman.<\/p>\n
En \u00fea\u00f0 sem var sjokkerandi vi\u00f0 lesturinn var munurinn \u00e1 tekjum okkar:<\/p>\n
\u00c9g f\u00e9kk launatekjur \u00far \u00fdmsum \u00e1ttum 2006. Mest fr\u00e1 Orkuveitunni og F\u00e6\u00f0ingarorlofssj\u00f3\u00f0i, en einnig fr\u00e1 H\u00e1sk\u00f3lanum (fyrir a\u00f0 kenna hluta af tveimur n\u00e1mskei\u00f0um), R\u00ed\u00adkis\u00fatvarpinu, F\u00e9lagi \u00ed\u00adslenskra b\u00f3ka\u00fatgefenda (fyrir setu \u00ed\u00ad d\u00f3mnefnd B\u00f3kmenntaver\u00f0launanna) og minni grei\u00f0slur fyrir sm\u00e1verkefni s.s. fyrirlestra og textasm\u00ed\u00ad\u00f0i fyrir \u00fdmsa a\u00f0ila.<\/p>\n
Launatekjur \u00e1samt dagpeningum og b\u00ed\u00adlastyrk (sem \u00e1 vitaskuld ekki a\u00f0 l\u00ed\u00adta \u00e1 sem laun) eru u.\u00fe.b. 5.550.000<\/strong>.<\/p>\n Steinunn er hins vegar \u00f6ryrki. H\u00fan greindist me\u00f0 MS-sj\u00fakd\u00f3minn um tv\u00ed\u00adtugt og var \u00fe\u00e1 ekki b\u00fain a\u00f0 vinna s\u00e9r inn nein r\u00e9ttindi \u00ed\u00ad l\u00ed\u00adfeyrissj\u00f3\u00f0i. H\u00fan f\u00e6r \u00fev\u00ed\u00ad str\u00ed\u00adpa\u00f0ar \u00f6rorkub\u00e6tur fr\u00e1 Tryggingastofnun, \u00e1samt b\u00ed\u00adlastyrk (sem \u00e1 heldur ekki a\u00f0 l\u00ed\u00adta \u00e1 sem laun). H\u00fan f\u00e6r laun fyrir setu \u00ed\u00ad nokkrum stj\u00f3rnum og nefndum, sem n\u00e1 \u00fe\u00f3 ekki upp \u00ed\u00ad hundra\u00f0\u00fe\u00fasundkallinn. \u00deegar \u00feetta er allt reikna\u00f0 saman kemst h\u00fan upp \u00ed\u00ad u.\u00fe.b. 1.150.000<\/strong>.<\/p>\n Minn hluti til heimilisrekstursins liggur n\u00e6rri \u00fev\u00ed\u00ad a\u00f0 vera fimmfaldur<\/strong> \u00e1 vi\u00f0 Steinunni. \u00dea\u00f0 er geggja\u00f0ur munur.<\/p>\n \u00deetta \u00fe\u00fd\u00f0ir a\u00f0 \u00ed\u00ad raun er Steinunn \u00ed\u00ad efnahagslegri g\u00ed\u00adslingu \u00ed\u00ad \u00feessu sambandi. \u00de\u00f3tt \u00e9g v\u00e6ri drullusokkur og lei\u00f0indagaur (sem \u00e9g vona a\u00f0 s\u00e9 ekki raunin), er \u00f3v\u00ed\u00adst a\u00f0 h\u00fan hef\u00f0i nokkra m\u00f6guleika \u00e1 a\u00f0 henda m\u00e9r \u00fat og standa \u00e1 eigin f\u00f3tum ein me\u00f0 barni\u00f0. Hversu margir \u00f6ryrkjar \u00e6tli s\u00e9u fastir \u00ed\u00ad \u00f3hamingjus\u00f6mum samb\u00f6ndum af \u00feessum \u00e1st\u00e6\u00f0um? Ungir \u00f6ryrkjar sem ekki geta notf\u00e6rt s\u00e9r ve\u00f0 fr\u00e1 foreldrum e\u00f0a teki\u00f0 l\u00e1n \u00ed\u00ad \u00feeirra nafni, geta ekki eignast h\u00fasn\u00e6\u00f0i. \u00deannig er \u00fea\u00f0 n\u00fa bara. \u00deeir \u00feurfa \u00fev\u00ed\u00ad a\u00f0 reyna a\u00f0 komast inn \u00ed\u00ad f\u00e9lagslegt h\u00fasn\u00e6\u00f0i e\u00f0a ve\u00f0ja \u00e1 almenna leigumarka\u00f0inn, sem \u00e9tur upp megni\u00f0 af b\u00f3tunum.<\/p>\n \u00c9g blogga\u00f0i um \u00fea\u00f0 n\u00fdveri\u00f0 a\u00f0 \u00e9g v\u00e6ri \u00e1g\u00e6tlega s\u00e1ttur vi\u00f0 launin m\u00ed\u00adn. Vi\u00f0 \u00fea\u00f0 stend \u00e9g. Fj\u00f6lskyldutekjurnar okkar Steinunnar duga okkur \u00e1g\u00e6tlega til a\u00f0 gera flest \u00fea\u00f0 sem vi\u00f0 viljum gera. \u00dea\u00f0 er hins vegar \u00feessi innbyr\u00f0istekjumunur sem veldur \u00fev\u00ed\u00ad a\u00f0 \u00e9g er foxillur.<\/p>\n \u00c9g er foxillur \u00fat \u00ed\u00ad \u00fea\u00f0 f\u00f3lk sem talar um a\u00f0 \u00fea\u00f0 „vanti hvata til a\u00f0 vinna“ \u00ed\u00ad tryggingakerfi\u00f0 – og a\u00f0 \u00fea\u00f0 „borgi sig ekki“ fyrir b\u00f3ta\u00feega a\u00f0 fara a\u00f0 vinna. t\u00e6par 1.100.000 kr\u00f3nur \u00e1 \u00e1ri – \u00fea\u00f0 var \u00fe\u00e1 bittlingurinn!<\/p>\n Menn ey\u00f0a mikilli orku \u00ed\u00ad a\u00f0 r\u00e6\u00f0a \u00f3\u00fatsk\u00fdr\u00f0an launamun kynjanna – sem deilt er um hvort s\u00e9 15%, 25% e\u00f0a e-\u00f0 anna\u00f0 – og vissulega er \u00fea\u00f0 \u00fearft verk. En \u00ed\u00ad tilfelli fj\u00f6lskyldunnar a\u00f0 M\u00e1nag\u00f6tu 24 erum vi\u00f0 a\u00f0 klj\u00e1st vi\u00f0 \u00fatsk\u00fdr\u00f0an launamun og hann upp \u00e1 n\u00e6rri 500%. S\u00e1 launamunur er andskotans ekkert sk\u00e1rri en hinn, \u00fe\u00f3tt sk\u00fdringarnar liggi fyrir. \u00deessu ver\u00f0ur a\u00f0 breyta!<\/p>\n Og \u00feegar byltingin byrjar, geri \u00e9g \u00fea\u00f0 a\u00f0 till\u00f6gu minni a\u00f0 Moggabloggi\u00f0 fari upp a\u00f0 veggnum um svipa\u00f0 leyti og P\u00e9tur Bl\u00f6ndal…<\/p>\n","protected":false},"excerpt":{"rendered":" \u00c1 kv\u00f6ld settumst vi\u00f0 Steinunn ni\u00f0ur til a\u00f0 ganga fr\u00e1 skattframtalinu \u00e1 netinu. Held a\u00f0 \u00e9g hafi aldrei veri\u00f0 svona t\u00ed\u00admanlega \u00ed\u00ad \u00fev\u00ed\u00ad \u00e1\u00f0ur – yfirleitt hefur \u00feetta enda\u00f0 \u00ed\u00ad stressi \u00e1 s\u00ed\u00ad\u00f0asta fresti. \u00dea\u00f0 er h\u00e6g\u00f0arleikur \u00ed\u00ad okkar tilviki a\u00f0 ganga fr\u00e1 framtalinu. \u00deetta eru meira e\u00f0a minna forskr\u00e1\u00f0ar uppl\u00fdsingar, fyrir utan nokkrar sm\u00e1grei\u00f0slur … Halda \u00e1fram a\u00f0 lesa: Peningar<\/span><\/a><\/p>\n","protected":false},"author":9,"featured_media":0,"comment_status":"open","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[2],"tags":[],"class_list":["post-1825","post","type-post","status-publish","format-standard","hentry","category-uncategorized"],"_links":{"self":[{"href":"https:\/\/truflun.net\/stefan\/wp-json\/wp\/v2\/posts\/1825","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/truflun.net\/stefan\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/truflun.net\/stefan\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/truflun.net\/stefan\/wp-json\/wp\/v2\/users\/9"}],"replies":[{"embeddable":true,"href":"https:\/\/truflun.net\/stefan\/wp-json\/wp\/v2\/comments?post=1825"}],"version-history":[{"count":0,"href":"https:\/\/truflun.net\/stefan\/wp-json\/wp\/v2\/posts\/1825\/revisions"}],"wp:attachment":[{"href":"https:\/\/truflun.net\/stefan\/wp-json\/wp\/v2\/media?parent=1825"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/truflun.net\/stefan\/wp-json\/wp\/v2\/categories?post=1825"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/truflun.net\/stefan\/wp-json\/wp\/v2\/tags?post=1825"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}
\nOg hva\u00f0 segja \u00feessar t\u00f6lur okkur um afkomum\u00f6guleika \u00feeirra \u00f6ryrkja sem ekki eiga maka me\u00f0 g\u00f3\u00f0ar tekjur? Tengdapabbi keypti \u00ed\u00adb\u00fa\u00f0ina \u00e1 M\u00e1nag\u00f6tunni, sem vi\u00f0 leystum svo til okkar 2004. Hann gat fengi\u00f0 l\u00e1n og lagt til ve\u00f0 \u00ed\u00ad h\u00fasinu s\u00ed\u00adnu fyrir austan. Steinunn hef\u00f0i sj\u00e1lf aldrei sloppi\u00f0 \u00ed\u00ad gegnum grei\u00f0slumat.<\/p>\n