{"id":127962,"date":"2026-01-07T07:17:09","date_gmt":"2026-01-07T07:17:09","guid":{"rendered":"https:\/\/www.europesays.com\/se\/127962\/"},"modified":"2026-01-07T07:17:09","modified_gmt":"2026-01-07T07:17:09","slug":"70-procent-misslyckas-har-ar-sparmalet-som-faktiskt-fungerar","status":"publish","type":"post","link":"https:\/\/www.europesays.com\/se\/127962\/","title":{"rendered":"70 procent misslyckas \u2013 h\u00e4r \u00e4r sparm\u00e5let som faktiskt fungerar"},"content":{"rendered":"<p>Problemet med att s\u00e4tta en summa som m\u00e5l \u00e4r att beloppet i sig inte v\u00e4cker n\u00e5gon genuin drivkraft, menar <strong>Charles Chaffin<\/strong>, finanspsykolog och medgrundare av Financial Psychology Institute.<\/p>\n<p>Siffror saknar enligt honom koppling till din identitet och dina verkliga behov.<\/p>\n<p>Enligt studier \u00f6vergav 70 procent av amerikanerna som satte m\u00e5l 2024 sina ambitioner helt, skriver Chaffin i sin bok \u201dThe Goal Standard: The Psychology of Defining, Pursuing, and Achieving What Matters\u201d.<\/p>\n<p>\u201dGymmedlemskapet samlar damm. Sparplanen havererar. Manuskriptet f\u00f6rblir oskrivet\u201d, skriver han enligt CNBC.<\/p>\n<p>Fr\u00e5n yttre krav till inre drift<\/p>\n<p>L\u00f6sningen \u00e4r att f\u00f6rvandla m\u00e5let fr\u00e5n n\u00e5got yttre till n\u00e5got som blir en del av dig sj\u00e4lv. Ist\u00e4llet f\u00f6r att spara 50 000 kronor \u2013 <a href=\"https:\/\/www.dagensps.se\/privatekonomi\/psykologen-darfor-kommer-du-att-misslyckas-med-arets-sparmal\/\" rel=\"nofollow noopener\" target=\"_blank\">definiera vad pengarna faktiskt ska anv\u00e4ndas till<\/a>.<\/p>\n<p>Kanske handlar det om en <a href=\"https:\/\/www.realtid.se\/spara-placera\/experten-om-2026-amortera-och-bygg-buffert-sedan-kan-ni-festa\/\" rel=\"nofollow noopener\" target=\"_blank\">buffert<\/a> som ger trygghet under f\u00f6r\u00e4ldraledigheten. En resa till Japan som du dr\u00f6mt om sedan barndomen. En renovering av k\u00f6ket d\u00e4r familjen samlas.<\/p>\n<p>\u201dNu har jag tagit n\u00e5got som \u00e4r yttre \u2013 som bara \u00e4r en siffra f\u00f6r siffrans skull \u2013 och gjort det till n\u00e5got inre\u201d, s\u00e4ger Chaffin till CNBC.<\/p>\n<p>\u201dJag har gjort det till en del av mig. Nu \u00e4r jag motiverad att uppn\u00e5 detta eftersom jag verkligen vill g\u00f6ra det\u201d, s\u00e4ger han.<\/p>\n","protected":false},"excerpt":{"rendered":"Problemet med att s\u00e4tta en summa som m\u00e5l \u00e4r att beloppet i sig inte v\u00e4cker n\u00e5gon genuin drivkraft,&hellip;\n","protected":false},"author":2,"featured_media":127963,"comment_status":"","ping_status":"","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[66],"tags":[80,78,79,34,6055,1142,31,33,32,30,81,84,83,82],"class_list":{"0":"post-127962","1":"post","2":"type-post","3":"status-publish","4":"format-standard","5":"has-post-thumbnail","7":"category-vetenskap-och-teknik","8":"tag-science","9":"tag-science-and-technology","10":"tag-scienceandtechnology","11":"tag-se","12":"tag-spara","13":"tag-sparande","14":"tag-svenska","15":"tag-sverige","16":"tag-sweden","17":"tag-swedish","18":"tag-technology","19":"tag-teknik","20":"tag-vetenskap","21":"tag-vetenskapteknik"},"share_on_mastodon":{"url":"https:\/\/pubeurope.com\/@se\/115852597239792903","error":""},"_links":{"self":[{"href":"https:\/\/www.europesays.com\/se\/wp-json\/wp\/v2\/posts\/127962","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.europesays.com\/se\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.europesays.com\/se\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.europesays.com\/se\/wp-json\/wp\/v2\/users\/2"}],"replies":[{"embeddable":true,"href":"https:\/\/www.europesays.com\/se\/wp-json\/wp\/v2\/comments?post=127962"}],"version-history":[{"count":0,"href":"https:\/\/www.europesays.com\/se\/wp-json\/wp\/v2\/posts\/127962\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.europesays.com\/se\/wp-json\/wp\/v2\/media\/127963"}],"wp:attachment":[{"href":"https:\/\/www.europesays.com\/se\/wp-json\/wp\/v2\/media?parent=127962"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.europesays.com\/se\/wp-json\/wp\/v2\/categories?post=127962"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.europesays.com\/se\/wp-json\/wp\/v2\/tags?post=127962"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}