{"id":544,"date":"2019-04-26T10:30:00","date_gmt":"2019-04-26T10:30:00","guid":{"rendered":"https:\/\/selectbanks.se\/?p=544"},"modified":"2019-04-26T10:30:00","modified_gmt":"2019-04-26T10:30:00","slug":"vad-ar-den-disponibla-inkomsten","status":"publish","type":"post","link":"https:\/\/navibanker.com\/se\/vad-ar-den-disponibla-inkomsten\/","title":{"rendered":"Vad \u00e4r den disponibla inkomsten?"},"content":{"rendered":"

Du har kanske h\u00f6rt uttrycket \u201ddisponibel inkomst\u201d tidigare, men vad \u00e4r det egentligen? I denna artikel f\u00f6rklarar vi vad det inneb\u00e4r och vad det kan anv\u00e4ndas till…<\/p>\n

Vad betyder disponibel inkomst?<\/h2>\n

Den disponibla inkomsten \u00e4r den m\u00e4ngd pengar som du har kvar i hush\u00e5llet efter att skatten \u00e4r avdragen varje m\u00e5nad p\u00e5 din l\u00f6n och dina bidrag – det vill s\u00e4ga din nettoinkomst. Denna summa kan du d\u00e4refter anv\u00e4nda f\u00f6r antingen konsumption eller sparande. Den disponibla inkomsten innefattar dina l\u00f6ner som skattas eller diverse bidrag, men aldrig inkomst som inte beskattas (och som \u00e4r olaglig). Denna ber\u00e4kning anv\u00e4nds f\u00f6r att ge en \u00f6versikt g\u00e4llande ett lands v\u00e4lf\u00e4rd. D\u00e5 den inte inkluderar svarta pengar kan det dock aldrig ge en helt pricks\u00e4ker bild \u00f6ver folks ekonomi, men det \u00e4r trots detta ett mycket popul\u00e4rt m\u00e4tverktyg.<\/p>\n

Unders\u00f6kningar m\u00e4ter v\u00e4lf\u00e4rden<\/h2>\n

D\u00e5 den disponibla inkomsten m\u00e4ter k\u00f6pkraften hos hush\u00e5ll anv\u00e4nds uttrycket i ekonomiska unders\u00f6kningar f\u00f6r att ber\u00e4kna en regions eller ett lands v\u00e4lf\u00e4rd. Statistiska Centralbyr\u00e5n gjorde exempelvis en studie \u00e5r 2016 f\u00f6r att m\u00e4ta alla Sveriges l\u00e4n och konstaterade att den h\u00f6gsta disponibla inkomsten var i Uppsala l\u00e4n och den l\u00e4gsta var i Sk\u00e5ne, samt V\u00e4sternorrland.<\/p>\n

Olika hush\u00e5ll ser olika ut, s\u00e5 hur m\u00e4ts detta p\u00e5 detaljniv\u00e5? F\u00f6r att j\u00e4mf\u00f6ra olika hush\u00e5ll mellan varandra finns ett viktsystem som kallas f\u00f6r en konsumptionsenhetsskala. Detta system delar upp olika personer i hush\u00e5llet i viktklasser, d\u00e4r den disponibla inkomsten divideras med summan av vikterna som utg\u00f6r alla familjemedlemmar. En ensamboende v\u00e4ger exempelvis 1,00, medan ett sammanboende par v\u00e4ger 1,51 p\u00e5 skalan. Det f\u00f6rsta barnet v\u00e4ger 0,52 om det \u00e4r mellan 0-19 \u00e5r gammalt. Varje individ har unika f\u00f6ruts\u00e4ttningar r\u00f6rande inkomster till hush\u00e5llet och d\u00e4rf\u00f6r finns detta system f\u00f6r att b\u00e4ttre ber\u00e4kna v\u00e4lf\u00e4rden.<\/p>\n

Den disponibla inkomsten brukar \u00e4ven utg\u00f6ra en del av unders\u00f6kningar g\u00e4llande folkh\u00e4lsan. D\u00e5 den ekonomiska situationen p\u00e5verkar hur vi m\u00e5r \u00e4r detta viktigt av inkludera. De som lever i sv\u00e5ra ekonomiska f\u00f6rh\u00e5llanden upplever mycket stress, vilket f\u00f6rkortar livsl\u00e4ngden och leder till en f\u00f6rs\u00e4mrad livskvalitet med olika komplikationer. Unders\u00f6kningar om folkh\u00e4lsan \u00e4r omfattande och den disponibla inkomsten \u00e4r ett viktigt hj\u00e4lpmedel i detta.
\n<\/strong><\/p>\n

Den disponibla summan<\/h2>\n

Den disponibla summan \u00e4r ist\u00e4llet den m\u00e4ngd pengar du har kvar efter skatt n\u00e4r du har betalat alla utgifter p\u00e5 en m\u00e5nad, inklusive mat, kl\u00e4der, transportkostnader och n\u00f6jen. Den disponibla summan \u00e4r ett m\u00e5tt p\u00e5 hur bra ekonomi du har och anv\u00e4nds exempelvis f\u00f6r att unders\u00f6ka om du \u00e4r kapabel till att betala tillbaka l\u00e5n<\/a>. Det \u00e4r med detta m\u00e5tt som k\u00f6pvanor kan uppt\u00e4ckas. \u00c4r din inkomst h\u00f6g men disponibla summa l\u00e5g varje m\u00e5nad \u00e4r detta ett tecken p\u00e5 ett stort konsumptionsbehov.<\/p>\n

Hur anv\u00e4nder jag denna vetskap?<\/h2>\n

\u00c4r du van att g\u00f6ra en hush\u00e5llsbudget har du s\u00e4kert redan koll p\u00e5 din disponabla inkomst och summa. Detta ger dig en bra insikt i hur du kan spendera eller spara pengar f\u00f6r att uppr\u00e4tth\u00e5lla en stabil ekonomi. P\u00e5 detta s\u00e4tt kan du b\u00e4ttre hantera renoveringar, husk\u00f6p, resor och ov\u00e4ntade utgifter p\u00e5 ett s\u00e4tt som du inte kunnat annars.<\/p>\n","protected":false},"excerpt":{"rendered":"

Du har kanske h\u00f6rt uttrycket \u201ddisponibel inkomst\u201d tidigare, men vad \u00e4r det egentligen? I denna artikel f\u00f6rklarar vi vad det inneb\u00e4r och vad det kan anv\u00e4ndas till… Vad betyder disponibel inkomst? Den disponibla inkomsten \u00e4r den m\u00e4ngd pengar som du har kvar i hush\u00e5llet efter att skatten \u00e4r avdragen varje m\u00e5nad p\u00e5 din l\u00f6n och … L\u00e4s mer<\/a><\/p>\n","protected":false},"author":1,"featured_media":545,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"inline_featured_image":false,"footnotes":""},"categories":[2],"tags":[],"acf":[],"yoast_head":"\nVad \u00e4r den disponibla inkomsten? - Navibanker - Sverige<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/navibanker.com\/se\/vad-ar-den-disponibla-inkomsten\/\" \/>\n<meta property=\"og:locale\" content=\"sv_SE\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Vad \u00e4r den disponibla inkomsten? - Navibanker - Sverige\" \/>\n<meta property=\"og:description\" content=\"Du har kanske h\u00f6rt uttrycket \u201ddisponibel inkomst\u201d tidigare, men vad \u00e4r det egentligen? 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