Sparetips Norge - Saving Tips Norway

You can change your tax card for 2024, therefore if you say that you expect more debt interests or such for the end of the year, you will get a more beneficial tax table (pay less taxes every month), at the end you will have to pay back in May 2025 the same amount... but you would have had available for a longer time your own money and could get interests from a good saving account or your own choices :)

Nettlesersjekk

Hei! Flytt boliglånet med denne lenken, så får vi 500 kr hver 👌 https://www.bulder.no/referral/pauper-91

In case you want to see if you get better conditions for your mortgage here 😄

I just changed and there is no better interests in any other bank for my mortgage ☺️
4,78 nominell & 4,9% effektiv rente

They pay yearly kundeutbytte too. Have great interests in regular saving accounts, without limit on withdrawals... And I can even put a photo of the chickens as account background 🐥🤗🌱

Free local public transport for people living (home registered) in Stavanger from 1st of July!... Fantastic news indeed! I hope the neighbor municipalities follow the example! 🌻🤗

The more people start switching to bus, the more frequency and routes could be expanded! 🌟🌱🎶🙌🏼😊

Stavanger tar regningen – kollektivtrafikk blir gratis Innbyggerne i Stavanger kommune vil fra 1. juli kunne reise gratis med buss, tog og båt.

SAVINGS: when it comes to saving extra money you don't need there are a few easy options (outside of fluctuating markets/bets)

If you are considering buying a house and are under 34 years, then opening a BSU has many benefits; interests, taxes, etc (will share in another post)

But if not, you have accounts that have high interests, are free to create, and give you 1-2 free transfers out of them (so your money is not locked there as other high interest accounts)

The top 2 I would consider as per today are:
Sandnes Sparebank: Superkonto 3,45% interest (3,7% from July)
Banknorwegian: Sparekonto Pluss 3,6% interest

Additionally, Sandnes Sparekonto has "kundeutbytte" which means that they will share some of the bank profits with the clients according to how much they have in loans and savings (average 2500nok per million)

Here is a list with all the savings accounts with high-interest

Beste sparekonto mai: Høyrente, BSU og innskuddsrente OPPDATERT MAI: Se full oversikt over de beste rentene til BSU, høyrentekonto og innskuddskonto. Sammenlign 1310 innskuddskontoer fra 130 norske banker.

Electricity: Vibb is the best option for short-mid-long term as per today (better than Tibber), and if you use the referal code (you can refer later to your friends when you start) you get 300nok of the first bill. (Better to use the referral link on the computer, no need to go through the app)

https://verving.vibb.no/id/24e90b9b-8f51-4bc3-b9da-44f8a5ed932a

Jeg har Vibb som strømleverandør. De tjener ikke penger på strømforbruket mitt og jeg får full kontroll i appen ⚡️ Bytt til Vibb via linken, så får du 300 kr rabatt på strømregningen 💸

GROCERIES: when it comes to food: Coop extra, Kiwi and Rema1000 are the ones with the lowest average basket costs.

It is strongly advice to join the free membership programs the offer (for the one in COOP you buy a one-time refundable membership (300nok) but the savings on any given year are probably double than that.
https://coop.no/medlem/
https://www.rema.no/ae/
https://kiwi.no/Bli-KIWI-PLUSS-kunde/

It is worth to download apps like Mattilbud, eTilbudavis and TooGoodToGo for offers or reducing food waste.

PHONE AGREEMENT is one of the easist way of making sure that your recurring bills are reasonable. As per today the most cost effective options within norway are provided by nicemobil, though if you have dual sim and phone from other EU-countries, might be worth to get your data on those and just get a basic messaging/calling package

https://www.nicemobil.no/