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have\",\"anchorTag\":\"buffer\",\"variant\":\"withoutSubHeaders\",\"isTranslated\":true,\"textSections\":[],\"noSubHeaderVariant\":\"imageRight\",\"bodyText\":[{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"type\":\"paragraph\",\"children\":[{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"text\":\"\",\"isTranslated\":true}],\"_meta\":{\"id\":\"richText\"}},{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"type\":\"paragraph\",\"children\":[{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"text\":\"The golden rule for how large a buffer you should have, regardless of your life situation, is: Many assets – large buffer. Few assets – smaller buffer.\",\"isTranslated\":true}]},{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"type\":\"paragraph\",\"children\":[{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"text\":\"Unexpected expenses have an unfortunate tendency to appear at regular intervals, and not everyone has thousands to spend when it happens. With little saved funds, a broken dishwasher or a car in the garage can quickly become a challenge. It is then easy to resort to the credit card or take out unfavourable consumer loans. Such quick solutions can prevent you from getting a grip on your finances. 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Most experts agree that the emergency fund should be at least one and preferably two months' salary, and the size can vary depending on where you are in life.\",\"isTranslated\":true}]},{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"type\":\"paragraph\",\"children\":[{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"text\":\"As a young person or student, you typically have fewer assets that can break down. If you are single, without children and do not own a car or property, you do not need a large buffer either, and you will probably manage with one month's salary.\",\"isTranslated\":true}]},{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"type\":\"paragraph\",\"children\":[{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"text\":\"If you are a family with children, a home, a car and many assets, the likelihood of unexpected expenses increases. In that case, a good emergency fund could be two to three months' salary.\",\"isTranslated\":true}]}],\"_meta\":{\"id\":\"actionCardItem\"}},{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"title\":\"How to build up an emergency fund?\",\"isTranslated\":true,\"text\":[{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"type\":\"paragraph\",\"children\":[{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"text\":\"There are many ways to save towards an emergency fund. You can, for example, start with micro-saving – or \\\"\",\"isTranslated\":true},{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"type\":\"link\",\"children\":[{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"text\":\"savings goal\",\"isTranslated\":true}],\"link\":{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"url\":\"/content/dnb/open/no/sparing/sparemal\",\"isTranslated\":true,\"openInNewTab\":false,\"href\":\"/sparing/sparemal\"}},{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"text\":\"\\\" – where a small amount is transferred each time you use your debit card. Setting up a monthly transfer to the account on payday is another smart method to get started. If you start with NOK 500 per month, you will have saved NOK 6,000 in one year! 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Therefore, open a separate emergency fund account in your online bank, and preferably choose a savings account with a higher interest rate. This creates a higher threshold for using the money for anything other than its intended purpose. 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