{"id":7439,"date":"2024-03-05T16:20:24","date_gmt":"2024-03-05T15:20:24","guid":{"rendered":"https:\/\/broblog.dk\/?p=7439"},"modified":"2024-03-06T15:36:48","modified_gmt":"2024-03-06T14:36:48","slug":"penge-tilbage-i-skat-derfor-er-det-en-daarlig-ide","status":"publish","type":"post","link":"https:\/\/brotest.dk\/wearebro\/penge-tilbage-i-skat-derfor-er-det-en-daarlig-ide\/","title":{"rendered":"Penge tilbage i skat? Derfor er det en d\u00e5rlig id\u00e9"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-post\" data-elementor-id=\"7439\" class=\"elementor elementor-7439\">\n\t\t\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-59aaf9c8 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"59aaf9c8\" data-element_type=\"section\" data-e-type=\"section\" data-settings=\"{&quot;jet_parallax_layout_list&quot;:[],&quot;background_background&quot;:&quot;classic&quot;,&quot;background_raven_motion_effects_scrolling&quot;:&quot;yes&quot;,&quot;background_raven_motion_effects_scale_fx&quot;:&quot;yes&quot;,&quot;background_raven_motion_effects_scale_fx_intensity&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:3,&quot;sizes&quot;:[]},&quot;background_raven_motion_effects_scale_fx_viewport&quot;:{&quot;unit&quot;:&quot;%&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:{&quot;start&quot;:30,&quot;end&quot;:100}},&quot;background_raven_motion_effects_scale_fx_direction&quot;:&quot;out-in&quot;,&quot;background_raven_motion_effects_devices&quot;:[&quot;desktop&quot;,&quot;tablet&quot;,&quot;mobile&quot;]}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-no\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-top-column elementor-element elementor-element-2430fd0f\" data-id=\"2430fd0f\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap\">\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-top-column elementor-element elementor-element-63c069c4\" data-id=\"63c069c4\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap\">\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-e8e75df elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"e8e75df\" data-element_type=\"section\" data-e-type=\"section\" data-settings=\"{&quot;jet_parallax_layout_list&quot;:[]}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-6dec35cd\" data-id=\"6dec35cd\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-5ebee572 elementor-widget elementor-widget-raven-post-title\" data-id=\"5ebee572\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"raven-post-title.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h1 class=\"raven-post-title\">Penge tilbage i skat? Derfor er det en d\u00e5rlig id\u00e9<\/h1>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-6ec9cbe1 elementor-widget elementor-widget-raven-post-meta\" data-id=\"6ec9cbe1\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"raven-post-meta.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<ul class=\"raven-inline-items raven-icon-list-items raven-post-meta\">\n\t\t\t\t\t<li class=\"raven-icon-list-item elementor-repeater-item-2e3b0d1 raven-inline-item\" itemprop=\"author\">\n\t\t\t\t\t\t<a href=\"https:\/\/brotest.dk\/wearebro\/author\/casper\/\">\n\t\t\t\t\t\t\t\t\t\t<span class=\"raven-icon-list-icon\">\n\t\t\t\t\t\t\t<i aria-hidden=\"true\" class=\"far fa-user-circle\"><\/i>\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t<span class=\"raven-icon-list-text raven-post-meta-item raven-post-meta-item-type-author\">\n\t\t\t\t\t\t\t\t\t\tCasper Danholt Iuul\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t<\/a>\n\t\t\t\t<\/li>\n\t\t\t\t<li class=\"raven-icon-list-item elementor-repeater-item-072d088 raven-inline-item\" itemprop=\"datePublished\">\n\t\t\t\t\t\t\t\t\t<span class=\"raven-icon-list-icon\">\n\t\t\t\t\t\t\t<i aria-hidden=\"true\" class=\"far fa-calendar\"><\/i>\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t<span class=\"raven-icon-list-text raven-post-meta-item raven-post-meta-item-type-date\">\n\t\t\t\t\t\t\t\t\t\t05. marts 2024\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t<\/ul>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-6ae904df elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"6ae904df\" data-element_type=\"section\" data-e-type=\"section\" data-settings=\"{&quot;jet_parallax_layout_list&quot;:[]}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-66 elementor-top-column elementor-element elementor-element-4e2a7e9e\" data-id=\"4e2a7e9e\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-553ddaec elementor-widget elementor-widget-text-editor\" data-id=\"553ddaec\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><span data-contrast=\"auto\">\u201dDin ventetid er lige nu &#8230; Mere end en time.\u201d<\/span><span data-ccp-props=\"{}\">\u00a0<\/span><\/p><p><span data-contrast=\"auto\">Det er den 11. marts 2024, dagen hvor din \u00e5rsopg\u00f8relse for 2023 er klar. Du har indtaget din plads i TastSelv-k\u00f8en. Det har resten af Danmark sjovt nok ogs\u00e5, og det lille digitale menneske p\u00e5 sk\u00e6rmen virker til at liste afsted kun afbrudt af enkelte sprint i ny og n\u00e6.\u00a0<\/span><span data-ccp-props=\"{}\">\u00a0<\/span><\/p><p><span data-contrast=\"auto\">Men det er okay. P\u00e5 den anden side af k\u00f8en venter nemlig et flot, gr\u00f8nt tal med cifre, der viser et bel\u00f8b p\u00e5 den gode side af de 10.000 kr.\u00a0<\/span><span data-ccp-props=\"{}\">\u00a0<\/span><\/p><p><span data-contrast=\"auto\">Det er du stensikker p\u00e5. For du har sikret \u00e5rets sommerferie ved at betale for meget i skat hele \u00e5ret. GE-NI-ALT.<\/span><span data-ccp-props=\"{}\">\u00a0<\/span><\/p><p><span data-contrast=\"auto\">Eller hvad?\u00a0<\/span><span data-ccp-props=\"{}\">\u00a0<\/span><\/p><p><span data-contrast=\"auto\">Din \u00f8konomiske genistreg betyder, at du g\u00e5r glip af gratis penge. Mens dine penge er i skattefars varet\u00e6gt, sikrer de dig nemlig nul og niks i renter eller afkast.\u00a0<\/span><span data-ccp-props=\"{}\">\u00a0<\/span><\/p><p><span data-contrast=\"auto\">Virker k\u00f8en nu pludselig lidt l\u00e6ngere? Fortvivl ej, men find tr\u00f8st her:<\/span><span data-ccp-props=\"{}\">\u00a0<\/span><\/p><ol><li data-leveltext=\"%1.\" data-font=\"\" data-listid=\"6\" data-list-defn-props=\"{&quot;335552541&quot;:0,&quot;335559684&quot;:-1,&quot;335559685&quot;:720,&quot;335559991&quot;:360,&quot;469769242&quot;:[65533,0],&quot;469777803&quot;:&quot;left&quot;,&quot;469777804&quot;:&quot;%1.&quot;,&quot;469777815&quot;:&quot;hybridMultilevel&quot;}\" aria-setsize=\"-1\" data-aria-posinset=\"1\" data-aria-level=\"1\"><span data-contrast=\"auto\">Du er ikke den eneste, der sparer penge op gennem skat \u2013 det g\u00f8r hele 12 pct. af danskerne.<\/span><\/li><li><span data-contrast=\"auto\">Du er landet det helt rigtige sted, hvis du vil v\u00e6re ekspert i god opsparingsadf\u00e6rd. For adf\u00e6rdsvidenskaben har naturligvis nogle gode bud p\u00e5, hvordan du g\u00f8r det lettere at spare penge op, s\u00e5 du ikke beh\u00f8ver at overlade din formue til Skat, f\u00f8r du f\u00e5r gl\u00e6de af den. Og dem skal det handle om her.<\/span><span data-ccp-props=\"{}\">\u00a0<\/span><\/li><\/ol><h2>Skat er ikke den bedste standardindstilling\u00a0<\/h2><p><span data-contrast=\"auto\">Lad os dv\u00e6le lidt ved det f\u00f8rste punkt. De 12 pct. stammer fra en <\/span><span data-contrast=\"auto\">unders\u00f8gelse <\/span><span data-contrast=\"auto\">af <\/span><span data-contrast=\"auto\">danskernes opsparingsadf\u00e6rd, som jeg har <\/span><span data-contrast=\"auto\">samarbejde<\/span><span data-contrast=\"auto\">t<\/span><span data-contrast=\"auto\"> med Nordeas forbruger\u00f8konom Ida Marie Moesby<\/span><span data-contrast=\"auto\"> om<\/span><span data-contrast=\"auto\">, <\/span><span data-contrast=\"auto\">og<\/span><span data-contrast=\"auto\"> som er lavet<\/span><span data-contrast=\"auto\"> af<\/span><span data-contrast=\"auto\"> YouGov<\/span><span data-contrast=\"auto\"> for Nordea<\/span><span data-contrast=\"auto\">. Ida ved en hel del om, hvordan vi h\u00e5ndterer vores penge fornuftigt \u2013 eller ufornuftigt \u2013 og siger om metoden:<\/span><span data-ccp-props=\"{}\">\u00a0<\/span><\/p><p><span data-contrast=\"auto\">\u201dP\u00e5 den m\u00e5de har man hverken adgang til pengene i l\u00f8bet af \u00e5ret \u2013 eller f\u00e5r gavn af renters rente-effekten. S\u00e5 der er andre mere oplagte m\u00e5der at l\u00e6gge penge til side til sine dr\u00f8mme eller uventede udgifter.\u201d<\/span><span data-ccp-props=\"{}\">\u00a0<\/span><\/p><p><span data-contrast=\"auto\">Nu har vi forbruger\u00f8konomens ord for, at vi ikke er fornuftige, n\u00e5r vi betaler for meget i skat. Men du er p\u00e5 <\/span><b><span data-contrast=\"auto\">bro blog<\/span><\/b><span data-contrast=\"auto\">, og hvis det ikke er dit f\u00f8rste visit, ved du ogs\u00e5, at mennesker ofte handler ufornuftigt.<\/span><span data-ccp-props=\"{}\">\u00a0<\/span><\/p><p><span data-contrast=\"auto\">Id\u00e9en med at spare op gennem skat er p\u00e5 sin vis begavet nok: P\u00e5 den m\u00e5de laver du nemlig en standardindstilling for dig selv. En form for automatisk overf\u00f8rsel, s\u00e5 du ikke t\u00e6nker over, at du sparer op. Det f\u00f8les nemt.<\/span><span data-ccp-props=\"{}\">\u00a0<\/span><\/p><p><span data-contrast=\"auto\">Men i stedet kunne du jo finde ud af, hvor meget du betaler for meget i skat hver m\u00e5ned, og lave en automatisk overf\u00f8rsel til en opsparingskonto <\/span><span data-contrast=\"auto\">med samme bel\u00f8b <\/span><span data-contrast=\"auto\">(<\/span><a href=\"https:\/\/taenk.dk\/test\/opsparingskonti\/bedste-opsparingskonti\" target=\"_blank\" rel=\"noopener\"><span data-contrast=\"none\">Forbrugerr\u00e5det T\u00e6nk anbefaler Santander<\/span><\/a><span data-contrast=\"auto\"> med 2,75<\/span> <span data-contrast=\"auto\">pct. p<\/span><span data-contrast=\"auto\">.a.)<\/span><span data-contrast=\"auto\">. Ka-ching! Der gjorde renterne p\u00e5 opsparingskontoen dig lige lidt rigere.<\/span><span data-ccp-props=\"{}\">\u00a0<\/span><\/p><h2>Penge til en ny cykel f\u00f8les anderledes end penge til mad<span data-ccp-props=\"{}\">\u00a0<\/span><\/h2><p><span data-contrast=\"auto\">Er du klar til endnu en ufornuftig afsl\u00f8ring om dit syn p\u00e5 opsparing?\u00a0<\/span><span data-ccp-props=\"{}\">\u00a0<\/span><\/p><p><span data-contrast=\"auto\">100 kr. er 100 kr., uanset hvor de kommer fra, <\/span><span data-contrast=\"auto\">og <\/span><span data-contrast=\"auto\">hvad du bruger dem p\u00e5. S\u00e5dan f\u00f8les det bare ikke altid.\u00a0<\/span><span data-ccp-props=\"{}\">\u00a0<\/span><\/p><p><span data-contrast=\"auto\">Mens nogle sparer op gennem skatten, sparer andre op, n\u00e5r de har penge tilbage p\u00e5 deres forbrugskonto. Sidstn\u00e6vnte g\u00e6lder faktisk hele 68 pct. af dem, der sparer op. Og hvorfor er det s\u00e5 ufornuftigt? P\u00e5 grund af mentale <\/span><span data-contrast=\"auto\">konti<\/span><span data-contrast=\"auto\"> (og det <\/span><span data-contrast=\"auto\">faktum, at <\/span><span data-contrast=\"auto\">det ikke er altid, at der er noget tilbage).<\/span><span data-ccp-props=\"{}\">\u00a0<\/span><\/p><p><span data-contrast=\"auto\">Mentale konti<\/span><span data-contrast=\"auto\"> er fx dem, der er p\u00e5 spil, n\u00e5r du skynder <\/span><span data-contrast=\"auto\">dig<\/span><span data-contrast=\"auto\"> at bestille en ny racercykel <\/span><span data-contrast=\"auto\">eller v\u00e6lger <\/span><span data-contrast=\"auto\">den dyre<\/span><span data-contrast=\"auto\"> vin i F\u00f8tex<\/span><span data-contrast=\"auto\">,<\/span><span data-contrast=\"auto\"> lige efter <\/span><span data-contrast=\"auto\">du har <\/span><span data-contrast=\"auto\">f\u00e5et 11.000 <\/span><span data-contrast=\"auto\">kr. <\/span><span data-contrast=\"auto\">tilbage <\/span><span data-contrast=\"auto\">i skat<\/span><span data-contrast=\"auto\">. Det er <\/span><a href=\"https:\/\/broblog.dk\/hvad-feriepenge-og-skumfiduser-kan-laere-dig-om-menneskelig-adfaerd\/\"><span data-contrast=\"none\">penge, du <\/span><span data-contrast=\"none\">\u201d<\/span><span data-contrast=\"none\">ikke har regnet med<\/span><span data-contrast=\"none\">\u201d<\/span><\/a><span data-contrast=\"auto\"> (selvom du <\/span><span data-contrast=\"auto\">jo bevidst har betalt for meget)<\/span><span data-contrast=\"auto\">, s\u00e5 de skal heller ikke regnes med i den daglige \u00f8konomi. D<\/span><span data-contrast=\"auto\">u<\/span> <span data-contrast=\"auto\">opretter i stedet <\/span><span data-contrast=\"auto\">hurtigt <\/span><span data-contrast=\"auto\">en<\/span><span data-contrast=\"auto\"> mental<\/span> <span data-contrast=\"auto\">\u201d<\/span><span data-contrast=\"auto\">fork\u00e6lelses<\/span><span data-contrast=\"auto\">konto\u201d<\/span><span data-contrast=\"auto\">. <\/span><span data-contrast=\"auto\">U<\/span><span data-contrast=\"auto\">logisk, fordi pengene er ligeglade med<\/span><span data-contrast=\"auto\">,<\/span><span data-contrast=\"auto\"> hvor de kommer fra<\/span><span data-contrast=\"auto\">. <\/span><span data-ccp-props=\"{}\">\u00a0<\/span><\/p><p><span data-contrast=\"auto\">D<\/span><span data-contrast=\"auto\">en samme mekanisme er p\u00e5 spil, n<\/span><span data-contrast=\"auto\">\u00e5r pengene bliver p\u00e5 din forbrugskonto<\/span><span data-contrast=\"auto\">.<\/span> <span data-contrast=\"auto\">De<\/span> <span data-contrast=\"auto\">f\u00f8les som penge<\/span><span data-contrast=\"auto\">, du m\u00e5 bruge af. Og derfor g\u00f8r du det. Hvis de omvendt rykker over p\u00e5 den opsparingskonto, du har lavet for at f\u00e5 r\u00e5d til noget, der er vigtigt for dig, er du langt mindre tilb\u00f8jelig til at fyre dem af p\u00e5 andre ting. Det kunne fx v\u00e6re en konto dedikeret til rejser, gourmetmiddage, h\u00f8jskoleophold eller en ny tilbygning i sommerhuset.<\/span><span data-ccp-props=\"{}\">\u00a0<\/span><\/p><p><span data-contrast=\"auto\">S\u00e5 f\u00e5 nu nogle penge over p\u00e5 din opsparing som det f\u00f8rste i m\u00e5neden \u2013 ellers bliver de bare brugt p\u00e5 take-away, t\u00f8j <\/span><span data-contrast=\"auto\">eller tequila<\/span><span data-contrast=\"auto\">.<\/span><span data-ccp-props=\"{}\">\u00a0<\/span><span style=\"color: var( --e-global-color-text );\">\u00a0<\/span><\/p><h2 style=\"color: #444444;\"><span data-contrast=\"auto\">Cut cappuccinoen \u2013 bare engang i mellem<\/span><span data-ccp-props=\"{}\">\u00a0<\/span><\/h2><p><span data-contrast=\"auto\">Nu er jeg snart f\u00e6rdig med at rode i din \u00f8konomiske navle, men jeg vil lige dele et sidste tip. Og det tager udgangspunkt i et tal fra rapporten, jeg n\u00e6vnte tidligere. Vores unders\u00f8gelse viser nemlig, at 50 pct. af dem, der ikke sparer op, mener, at de ikke har r\u00e5d.<\/span><span data-ccp-props=\"{}\">\u00a0<\/span><\/p><p><span data-contrast=\"auto\">Derfor kan det v\u00e6re fristende at sk\u00e6re budgettet helt ind til benet, n\u00e5r du gerne vil have overskud til at s\u00e6tte penge til side. Men hold lige igen med den tilgang.\u00a0<\/span><span data-ccp-props=\"{}\">\u00a0<\/span><\/p><p><span data-contrast=\"auto\">For hvis du overf\u00f8rer s\u00e5 mange penge til din opsparing, at du\u00a0<\/span><span data-contrast=\"auto\">alligevel\u00a0<\/span><span data-contrast=\"auto\">er n\u00f8dt til at overf\u00f8re tilbage til din forbrugskonto, ryger hele fidusen ved den mentale konto nemlig. S\u00e5 bliver din opsparingskonto bare til endnu en forbrugskonto, og pengene til Bahamas drukner lige s\u00e5 stille i din daglige cappuccino p\u00e5 vej til arbejde.<\/span><span data-ccp-props=\"{}\">\u00a0<\/span><\/p><p><span data-contrast=\"auto\">G\u00f8r i stedet dit forbrug synligt, s\u00e5 du kan l\u00e6gge et realistisk budget. Hvis din bank ikke viser, hvilke kategorier der fylder i dit forbrug, kan du fx bruge appen\u00a0<\/span><a href=\"http:\/\/spiir.dk\/\" target=\"_blank\" rel=\"noopener\">Spiir<\/a><span data-contrast=\"auto\">\u00a0til at danne dig et overblik. K\u00f8ber du to go-kaffe hver dag p\u00e5 vej p\u00e5 job? Lav en regel om, at du kun m\u00e5 g\u00f8re det en gang om ugen<\/span><span data-contrast=\"auto\">,<\/span><span data-contrast=\"auto\">\u00a0og s\u00f8rg altid for at forlade hjemmet med en termokop under armen. S\u00e5 har du b\u00e5de et budget, der er realistisk at overholde, og\u00a0<\/span><span data-contrast=\"auto\">en\u00a0<\/span><span data-contrast=\"auto\">standardin<\/span><span data-contrast=\"auto\">d<\/span><span data-contrast=\"auto\">stilling, der\u00a0<\/span><span data-contrast=\"auto\">giver\u00a0<\/span><span data-contrast=\"auto\">nogle hundrede ekstra til opsparingen hver m\u00e5ned (for ja, kaffe kan v\u00e6re lige s\u00e5\u00a0<\/span><a href=\"https:\/\/broblog.dk\/boller-op-boller-nedtur-tre-tips-til-irrationel-fastelavnsbolleadfaerd\/\"><span data-contrast=\"none\">latterlig<\/span><span data-contrast=\"none\">t<\/span><span data-contrast=\"none\">\u00a0dyr som fastelavnsboller<\/span><\/a><span data-contrast=\"auto\">).<\/span><span data-ccp-props=\"{}\">\u00a0<\/span><\/p><h2 style=\"color: #444444;\"><span data-contrast=\"auto\">Det tager mere end fem minutter at v\u00e6re realistisk<\/span><span data-ccp-props=\"{}\">\u00a0<\/span><\/h2><p><span data-contrast=\"auto\">St\u00e5r du stadig i TastSelv-k\u00f8?\u00a0<\/span><span data-ccp-props=\"{}\">\u00a0<\/span><\/p><p><span data-contrast=\"auto\">Hvad med at bruge ventetiden p\u00e5 at kigge den seneste m\u00e5neds udgifter igennem, l\u00e6gge et realistisk budget for det kommende \u00e5r<\/span><span data-contrast=\"auto\">\u00a0og ops\u00e6tte en automatisk overf\u00f8rsel til din opsparingskonto den f\u00f8rste i m\u00e5neden?<\/span><span data-ccp-props=\"{}\">\u00a0<\/span><\/p><p><span data-contrast=\"auto\">Bare et tip herfra.\u00a0<\/span><span data-ccp-props=\"{}\">\u00a0<\/span><\/p><p><span data-contrast=\"auto\">Vil du have flere,\u00a0<\/span><span data-contrast=\"auto\">er d<\/span><span data-contrast=\"auto\">u velkommen til at r\u00e6kke ud<\/span><span data-contrast=\"auto\">\u00a0til mig. R<\/span><span data-contrast=\"auto\">apporten om opsparingsadf\u00e6rd<\/span>\u00a0<span data-contrast=\"auto\">ligger nemlig ikke<\/span><span data-contrast=\"auto\">\u00a0offentli<\/span><span data-contrast=\"auto\">gt tilg\u00e6ngelig<\/span><span data-contrast=\"auto\">.\u00a0<\/span><span data-ccp-props=\"{}\">\u00a0<\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-279b1371 elementor-widget elementor-widget-raven-divider\" data-id=\"279b1371\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"raven-divider.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"raven-widget-wrapper\">\n\t\t\t<div class=\"raven-divider\">\n\t\t\t\t<span class=\"raven-divider-line raven-divider-solid\"><\/span>\n\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-14cfa72b elementor-widget elementor-widget-raven-post-terms\" data-id=\"14cfa72b\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"raven-post-terms.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<div class=\"jupiterx-post-term-with-title\">\n\t\t\t\t\t<div class=\"jupiter-post-term-title\">\n\t\t\t\t\t\tArkiveret under: \t\t\t\t\t<\/div>\n\t\t\t\t\t<div id=\"jupiterx-post-terms-widget-wrapper\" class=\"jupiterx-post-term-widget-minimal jupiterx-post-term-widget-column-0 jupiterx-post-term-widget-wrapper-default\" >\n\t\t\t\t\t\t\t<a href=\"https:\/\/brotest.dk\/wearebro\/kategori\/adfaerdsdesign\/\">\n\t\t\t\t\t<div class=\"jupiterx-post-term-item jupiterx-post-term-shape-normal\" >\n\t\t\t\t\t\tAdf\u00e6rdsdesign\t\t\t\t\t<\/div>\n\t\t\t\t<\/a>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-2e34ba5 elementor-widget elementor-widget-raven-social-share\" data-id=\"2e34ba5\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"raven-social-share.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\n\t\t<div class=\"jupiterx-social-share-wrapper jupiterx-social-share-wrapper-col-0 jupiterx-social-share-view-icon\" id=\"jupiterx-social-share-widget-wrapper\" >\n\t\t\t\t\t\t\t\t<div class=\"jupiterx-social-share-skin-gradient\" role=\"button\" aria-label=\"hidden\" >\n\t\t\t\t<div class=\"jupiterx-social-share-button jupiterx-social-share-widget-facebook\" data-network=\"facebook\" >\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"jupiterx-social-share-button-icon\">\n\t\t\t\t\t\t\t<i class=\"fab fa-facebook\" aria-hidden=\"true\"><\/i>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<div class=\"jupiterx-social-share-skin-gradient\" role=\"button\" aria-label=\"hidden\" >\n\t\t\t\t<div class=\"jupiterx-social-share-button jupiterx-social-share-widget-linkedin\" data-network=\"linkedin\" >\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"jupiterx-social-share-button-icon\">\n\t\t\t\t\t\t\t<i class=\"fab fa-linkedin\" aria-hidden=\"true\"><\/i>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t<\/div>\n\t\t\t\t\t<input type=\"hidden\" id=\"jupiterx-social-share-target\" value=\"https:\/\/brotest.dk\/wearebro\/penge-tilbage-i-skat-derfor-er-det-en-daarlig-ide\/\" >\n\t\t\t<input type=\"hidden\" id=\"jupiterx-social-share-title\" value=\"Penge tilbage i skat? Derfor er det en d\u00e5rlig id\u00e9\" >\n\t\t\t<input type=\"hidden\" id=\"jupiterx-social-share-image\" value=\"https:\/\/brotest.dk\/wearebro\/wp-content\/uploads\/Opsparingsadfaerd-2.jpg\" >\n\t\t<\/div>\n\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-33 elementor-top-column elementor-element elementor-element-4f32d046\" data-id=\"4f32d046\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-72efa4d5 elementor-widget elementor-widget-sidebar\" data-id=\"72efa4d5\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"sidebar.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div id=\"jupiterx_posts-2\" class=\"jupiterx-widget widget_jupiterx_posts jupiterx_posts-2 widget_jupiterx_posts\" data-markup-id=\"jupiterx_widget_card[_sidebar_primary][_jupiterx_posts][_jupiterx_posts-2]\"><h3 class=\"card-title\" data-markup-id=\"jupiterx_widget_title[_sidebar_primary][_jupiterx_posts][_jupiterx_posts-2]\"><!-- open output: jupiterx_widget_title_text -->Seneste <!-- close output: jupiterx_widget_title_text --><\/h3><div class=\"jupiterx-widget-content\" data-markup-id=\"jupiterx_widget_content[_sidebar_primary][_jupiterx_posts][_jupiterx_posts-2]\"><!-- open output: jupiterx_widget_content[_sidebar_primary][_jupiterx_posts][_jupiterx_posts-2] --><div class=\"jupiterx-widget-posts-wrapper\" data-markup-id=\"jupiterx_widget_posts_wrapper\"><div class=\"jupiterx-widget-posts-item has-thumbnail\" data-markup-id=\"jupiterx_widget_posts_item\"><div class=\"jupiterx-widget-posts-image entry-img\" data-markup-id=\"jupiterx_widget_posts_thumbnail\"><img decoding=\"async\" width=\"150\" height=\"150\" src=\"https:\/\/brotest.dk\/wearebro\/wp-content\/uploads\/pod_Maria-Anker-150x150.jpg\" class=\"attachment-thumbnail size-thumbnail wp-post-image\" alt=\"Maria Anker sidder i podcaststudiet og taler i mikrofon under optagelsen af Det, du leder efter\" data-object-fit=\"cover\" srcset=\"https:\/\/brotest.dk\/wearebro\/wp-content\/uploads\/pod_Maria-Anker-150x150.jpg 150w, https:\/\/brotest.dk\/wearebro\/wp-content\/uploads\/pod_Maria-Anker-500x500.jpg 500w\" sizes=\"(max-width: 150px) 100vw, 150px\" \/><\/div><div class=\"jupiterx-widget-posts-main\" data-markup-id=\"jupiterx_widget_posts_main\"><h4 class=\"jupiterx-widget-posts-post-title entry-title\" data-markup-id=\"jupiterx_widget_posts_title\"><a title=\"Maria Anker Andersen: om at forme den n\u00e6ste generation af ledere\" href=\"https:\/\/brotest.dk\/wearebro\/maria-anker-andersen-om-at-forme-den-naeste-generation-af-ledere\/\" data-markup-id=\"jupiterx_widget_posts_link\">Maria Anker Andersen: om at forme den n\u00e6ste generation af ledere<\/a><\/h4><\/div><\/div><div class=\"jupiterx-widget-posts-item has-thumbnail\" data-markup-id=\"jupiterx_widget_posts_item\"><div class=\"jupiterx-widget-posts-image entry-img\" data-markup-id=\"jupiterx_widget_posts_thumbnail\"><img decoding=\"async\" width=\"150\" height=\"150\" src=\"https:\/\/brotest.dk\/wearebro\/wp-content\/uploads\/pod-christian-150x150.jpg\" class=\"attachment-thumbnail size-thumbnail wp-post-image\" alt=\"Helle Bro i samtale med Christian Qvick om at lede mennesker \u2013 ikke generationer \u2013 i en episode af bro fm.\" data-object-fit=\"cover\" srcset=\"https:\/\/brotest.dk\/wearebro\/wp-content\/uploads\/pod-christian-150x150.jpg 150w, https:\/\/brotest.dk\/wearebro\/wp-content\/uploads\/pod-christian-500x500.jpg 500w\" sizes=\"(max-width: 150px) 100vw, 150px\" \/><\/div><div class=\"jupiterx-widget-posts-main\" data-markup-id=\"jupiterx_widget_posts_main\"><h4 class=\"jupiterx-widget-posts-post-title entry-title\" data-markup-id=\"jupiterx_widget_posts_title\"><a title=\"Christian Qvick: om generationsledelsesmyten\" href=\"https:\/\/brotest.dk\/wearebro\/christian-qvick-om-generationsledelsesmyten\/\" data-markup-id=\"jupiterx_widget_posts_link\">Christian Qvick: om generationsledelsesmyten<\/a><\/h4><\/div><\/div><div class=\"jupiterx-widget-posts-item has-thumbnail\" data-markup-id=\"jupiterx_widget_posts_item\"><div class=\"jupiterx-widget-posts-image entry-img\" data-markup-id=\"jupiterx_widget_posts_thumbnail\"><img decoding=\"async\" width=\"150\" height=\"150\" src=\"https:\/\/brotest.dk\/wearebro\/wp-content\/uploads\/pod_marlene-150x150.jpg\" class=\"attachment-thumbnail size-thumbnail wp-post-image\" alt=\"Marlene Holmgaard Fris taler i mikrofon i bro fm\u2019s podcaststudie.\" data-object-fit=\"cover\" srcset=\"https:\/\/brotest.dk\/wearebro\/wp-content\/uploads\/pod_marlene-150x150.jpg 150w, https:\/\/brotest.dk\/wearebro\/wp-content\/uploads\/pod_marlene-500x500.jpg 500w\" sizes=\"(max-width: 150px) 100vw, 150px\" \/><\/div><div class=\"jupiterx-widget-posts-main\" data-markup-id=\"jupiterx_widget_posts_main\"><h4 class=\"jupiterx-widget-posts-post-title entry-title\" data-markup-id=\"jupiterx_widget_posts_title\"><a title=\"Marlene Holmgaard Fris: om mod, transparens og f\u00f8lgeskab\" href=\"https:\/\/brotest.dk\/wearebro\/marlene-holmgaard-fris-om-mod-transparens-og-foelgeskab\/\" data-markup-id=\"jupiterx_widget_posts_link\">Marlene Holmgaard Fris: om mod, transparens og f\u00f8lgeskab<\/a><\/h4><\/div><\/div><\/div><!-- close output: jupiterx_widget_content[_sidebar_primary][_jupiterx_posts][_jupiterx_posts-2] --><\/div><\/div><span class=\"jupiterx-widget-divider\" data-markup-id=\"jupiterx_sidebar_widget_divider\"><\/span><div id=\"categories-3\" class=\"jupiterx-widget widget_categories categories-3 widget_categories\" data-markup-id=\"jupiterx_widget_card[_sidebar_primary][_categories][_categories-3]\"><h3 class=\"card-title\" data-markup-id=\"jupiterx_widget_title[_sidebar_primary][_categories][_categories-3]\"><!-- open output: jupiterx_widget_title_text -->Kategorier<!-- close output: jupiterx_widget_title_text --><\/h3><div class=\"jupiterx-widget-content\" data-markup-id=\"jupiterx_widget_content[_sidebar_primary][_categories][_categories-3]\"><!-- open output: jupiterx_widget_content[_sidebar_primary][_categories][_categories-3] -->\n\t\t\t<ul>\n\t\t\t\t\t<li class=\"cat-item cat-item-36\"><a href=\"https:\/\/brotest.dk\/wearebro\/kategori\/adfaerdsdesign\/\">Adf\u00e6rdsdesign<\/a>\n<\/li>\n\t<li class=\"cat-item cat-item-38\"><a href=\"https:\/\/brotest.dk\/wearebro\/kategori\/branding\/\">Branding<\/a>\n<\/li>\n\t<li class=\"cat-item cat-item-47\"><a href=\"https:\/\/brotest.dk\/wearebro\/kategori\/copywriting\/\">Copywriting<\/a>\n<\/li>\n\t<li class=\"cat-item cat-item-50\"><a href=\"https:\/\/brotest.dk\/wearebro\/kategori\/design\/\">Design<\/a>\n<\/li>\n\t<li class=\"cat-item cat-item-43\"><a href=\"https:\/\/brotest.dk\/wearebro\/kategori\/effektivitet\/\">Effektivitet<\/a>\n<\/li>\n\t<li class=\"cat-item cat-item-51\"><a href=\"https:\/\/brotest.dk\/wearebro\/kategori\/forandringer\/\">Forandringer<\/a>\n<\/li>\n\t<li class=\"cat-item cat-item-37\"><a href=\"https:\/\/brotest.dk\/wearebro\/kategori\/kommunikation\/\">Kommunikation<\/a>\n<\/li>\n\t<li class=\"cat-item cat-item-55\"><a href=\"https:\/\/brotest.dk\/wearebro\/kategori\/krisehaandtering\/\">Kriseh\u00e5ndtering<\/a>\n<\/li>\n\t<li class=\"cat-item cat-item-42\"><a href=\"https:\/\/brotest.dk\/wearebro\/kategori\/ledelse\/\">Ledelse<\/a>\n<\/li>\n\t<li class=\"cat-item cat-item-40\"><a href=\"https:\/\/brotest.dk\/wearebro\/kategori\/organisation\/\">Organisation<\/a>\n<\/li>\n\t<li class=\"cat-item cat-item-41\"><a href=\"https:\/\/brotest.dk\/wearebro\/kategori\/podcasts\/\">Podcasts<\/a>\n<\/li>\n\t<li class=\"cat-item cat-item-49\"><a href=\"https:\/\/brotest.dk\/wearebro\/kategori\/projekt\/\">Projekt<\/a>\n<\/li>\n\t<li class=\"cat-item cat-item-53\"><a href=\"https:\/\/brotest.dk\/wearebro\/kategori\/retorik\/\">Retorik<\/a>\n<\/li>\n\t<li class=\"cat-item cat-item-54\"><a href=\"https:\/\/brotest.dk\/wearebro\/kategori\/sociale-medier\/\">Sociale medier<\/a>\n<\/li>\n\t<li class=\"cat-item cat-item-39\"><a href=\"https:\/\/brotest.dk\/wearebro\/kategori\/strategi\/\">Strategi<\/a>\n<\/li>\n\t<li class=\"cat-item cat-item-48\"><a href=\"https:\/\/brotest.dk\/wearebro\/kategori\/team\/\">Team<\/a>\n<\/li>\n\t\t\t<\/ul>\n\n\t\t\t<!-- close output: jupiterx_widget_content[_sidebar_primary][_categories][_categories-3] --><\/div><\/div><span class=\"jupiterx-widget-divider\" data-markup-id=\"jupiterx_sidebar_widget_divider\"><\/span>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-b21904d elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"b21904d\" data-element_type=\"section\" data-e-type=\"section\" data-settings=\"{&quot;jet_parallax_layout_list&quot;:[],&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-142c4c29\" data-id=\"142c4c29\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-358f0364 elementor-widget elementor-widget-heading\" data-id=\"358f0364\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Se mere ...<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-65f86460 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"65f86460\" data-element_type=\"section\" data-e-type=\"section\" data-settings=\"{&quot;jet_parallax_layout_list&quot;:[],&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-33 elementor-top-column elementor-element elementor-element-28b215c\" data-id=\"28b215c\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-300ecf50 elementor-widget elementor-widget-heading\" data-id=\"300ecf50\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h5 class=\"elementor-heading-title elementor-size-default\">Blogindl\u00e6g<\/h5>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-1facb94f raven-hover-grayscale-reverse elementor-widget elementor-widget-raven-advanced-posts\" data-id=\"1facb94f\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;columns&quot;:&quot;1&quot;,&quot;featured_image_hover&quot;:&quot;grayscale-reverse&quot;,&quot;query_posts_per_page&quot;:1,&quot;general_layout&quot;:&quot;grid&quot;,&quot;columns_tablet&quot;:&quot;2&quot;,&quot;columns_mobile&quot;:&quot;1&quot;,&quot;query_orderby&quot;:&quot;date&quot;,&quot;query_offset&quot;:0}\" data-widget_type=\"raven-advanced-posts.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"raven-posts raven-posts-grid\">\n\t\t\t\t\t\t<div class=\"advanced-posts-content content-layout-under-image raven-grid raven-grid-1 raven-grid-mobile-1 raven-grid-tablet-2 grayscale-reverse \" data-post-id=\"7439\" data-archive-query=\"\">\n\t\t\t\t<div class=\"raven-posts-item raven-grid-item  \"><div class=\"raven-post-wrapper \"><div class=\"raven-post  \"><div class=\"raven-post-image-wrap\"><a class=\"raven-post-image raven-image-fit\" href=\"https:\/\/brotest.dk\/wearebro\/skriv-et-autosvar-der-arbejder-for-dig-i-ferien\/\"> <img loading=\"lazy\" decoding=\"async\" width=\"1920\" height=\"1080\" src=\"https:\/\/brotest.dk\/wearebro\/wp-content\/uploads\/Autosvar.jpg\" class=\"attachment-full size-full wp-image-8041\" alt=\"Solbriller ligger p\u00e5 bord. I reflektionen st\u00e5r en medarbejder ved computeren.\" srcset=\"https:\/\/brotest.dk\/wearebro\/wp-content\/uploads\/Autosvar.jpg 1920w, https:\/\/brotest.dk\/wearebro\/wp-content\/uploads\/Autosvar-300x169.jpg 300w, https:\/\/brotest.dk\/wearebro\/wp-content\/uploads\/Autosvar-1024x576.jpg 1024w, https:\/\/brotest.dk\/wearebro\/wp-content\/uploads\/Autosvar-768x432.jpg 768w, https:\/\/brotest.dk\/wearebro\/wp-content\/uploads\/Autosvar-1536x864.jpg 1536w\" sizes=\"(max-width: 1920px) 100vw, 1920px\" \/><span class=\"raven-post-image-overlay\"><\/span><\/a><\/div><div class=\"raven-post-content\" data-id=\"8040\"><h3 class=\"raven-post-title\"><a class=\"raven-post-title-link\" href=\"https:\/\/brotest.dk\/wearebro\/skriv-et-autosvar-der-arbejder-for-dig-i-ferien\/\">Skriv et autosvar, der arbejder for dig i ferien<\/a><\/h3><div class=\"raven-post-meta\"><span class=\"raven-post-meta-item raven-post-categories\"><a href=\"https:\/\/brotest.dk\/wearebro\/kategori\/copywriting\/\" rel=\"tag\">Copywriting<\/a>, <a href=\"https:\/\/brotest.dk\/wearebro\/kategori\/kommunikation\/\" rel=\"tag\">Kommunikation<\/a><\/span><\/div><div class=\"raven-post-excerpt\">Arrogant, bitter eller branding-bevidst? Dit autosvar fort\u00e6ller en del om dig. I dette indl\u00e6g f\u00e5r du tips til at skrive et godt og personligt et af slagsen. <\/div><\/div><\/div><\/div><\/div>\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-33 elementor-top-column elementor-element elementor-element-757fe04e\" data-id=\"757fe04e\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-74006a15 elementor-widget elementor-widget-heading\" data-id=\"74006a15\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h5 class=\"elementor-heading-title elementor-size-default\">Podcast<\/h5>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-705d4ab9 raven-hover-grayscale-reverse elementor-widget elementor-widget-raven-advanced-posts\" data-id=\"705d4ab9\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;columns&quot;:&quot;1&quot;,&quot;featured_image_hover&quot;:&quot;grayscale-reverse&quot;,&quot;query_posts_per_page&quot;:1,&quot;general_layout&quot;:&quot;grid&quot;,&quot;columns_tablet&quot;:&quot;2&quot;,&quot;columns_mobile&quot;:&quot;1&quot;,&quot;query_orderby&quot;:&quot;date&quot;,&quot;query_offset&quot;:0}\" data-widget_type=\"raven-advanced-posts.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"raven-posts raven-posts-grid\">\n\t\t\t\t\t\t<div class=\"advanced-posts-content content-layout-under-image raven-grid raven-grid-1 raven-grid-mobile-1 raven-grid-tablet-2 grayscale-reverse \" data-post-id=\"7439\" data-archive-query=\"\">\n\t\t\t\t<div class=\"raven-posts-item raven-grid-item  \"><div class=\"raven-post-wrapper \"><div class=\"raven-post  \"><div class=\"raven-post-image-wrap\"><a class=\"raven-post-image raven-image-fit\" href=\"https:\/\/brotest.dk\/wearebro\/maria-anker-andersen-om-at-forme-den-naeste-generation-af-ledere\/\"> <img loading=\"lazy\" decoding=\"async\" width=\"1920\" height=\"1080\" src=\"https:\/\/brotest.dk\/wearebro\/wp-content\/uploads\/pod_Maria-Anker.jpg\" class=\"attachment-full size-full wp-image-10598\" alt=\"Maria Anker sidder i podcaststudiet og taler i mikrofon under optagelsen af Det, du leder efter\" srcset=\"https:\/\/brotest.dk\/wearebro\/wp-content\/uploads\/pod_Maria-Anker.jpg 1920w, https:\/\/brotest.dk\/wearebro\/wp-content\/uploads\/pod_Maria-Anker-300x169.jpg 300w, https:\/\/brotest.dk\/wearebro\/wp-content\/uploads\/pod_Maria-Anker-1024x576.jpg 1024w, https:\/\/brotest.dk\/wearebro\/wp-content\/uploads\/pod_Maria-Anker-768x432.jpg 768w, https:\/\/brotest.dk\/wearebro\/wp-content\/uploads\/pod_Maria-Anker-1536x864.jpg 1536w\" sizes=\"(max-width: 1920px) 100vw, 1920px\" \/><span class=\"raven-post-image-overlay\"><\/span><\/a><\/div><div class=\"raven-post-content\" data-id=\"10597\"><h3 class=\"raven-post-title\"><a class=\"raven-post-title-link\" href=\"https:\/\/brotest.dk\/wearebro\/maria-anker-andersen-om-at-forme-den-naeste-generation-af-ledere\/\">Maria Anker Andersen: om at forme den n\u00e6ste generation af ledere<\/a><\/h3><div class=\"raven-post-meta\"><span class=\"raven-post-meta-item raven-post-categories\"><a href=\"https:\/\/brotest.dk\/wearebro\/kategori\/podcasts\/\" rel=\"tag\">Podcasts<\/a><\/span><\/div><div class=\"raven-post-excerpt\">Maria Anker Andersen fort\u00e6ller om f\u00e6llesskaber, der former den n\u00e6ste generation af ledere.<\/div><\/div><\/div><\/div><\/div>\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-33 elementor-top-column elementor-element elementor-element-3c7e8afb\" data-id=\"3c7e8afb\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-2603e927 elementor-widget elementor-widget-heading\" data-id=\"2603e927\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h5 class=\"elementor-heading-title elementor-size-default\">Case<\/h5>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-608ce61d raven-hover-grayscale-reverse elementor-widget elementor-widget-raven-advanced-posts\" data-id=\"608ce61d\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;columns&quot;:&quot;1&quot;,&quot;featured_image_hover&quot;:&quot;grayscale-reverse&quot;,&quot;query_posts_per_page&quot;:1,&quot;general_layout&quot;:&quot;grid&quot;,&quot;columns_tablet&quot;:&quot;2&quot;,&quot;columns_mobile&quot;:&quot;1&quot;,&quot;query_orderby&quot;:&quot;date&quot;,&quot;query_offset&quot;:0}\" data-widget_type=\"raven-advanced-posts.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"raven-posts raven-posts-grid\">\n\t\t\t\t\t\t<div class=\"advanced-posts-content content-layout-under-image raven-grid raven-grid-1 raven-grid-mobile-1 raven-grid-tablet-2 grayscale-reverse \" data-post-id=\"7439\" data-archive-query=\"\">\n\t\t\t\t<div class=\"raven-posts-item raven-grid-item  \"><div class=\"raven-post-wrapper \"><div class=\"raven-post  \"><div class=\"raven-post-image-wrap\"><a class=\"raven-post-image raven-image-fit\" href=\"https:\/\/brotest.dk\/wearebro\/case\/ny-tone-of-voice-i-oersted\/\"> <img loading=\"lazy\" decoding=\"async\" width=\"1920\" height=\"1080\" src=\"https:\/\/brotest.dk\/wearebro\/wp-content\/uploads\/case_tone-of-voice_feature.jpg\" class=\"attachment-full size-full wp-image-4942\" alt=\"Derfor udviklede \u00d8rsted en ny tone of voice, som skulle bringe dem t\u00e6ttere p\u00e5 danskerne og g\u00f8re kommunikationen udadtil mindre distanceret.\" srcset=\"https:\/\/brotest.dk\/wearebro\/wp-content\/uploads\/case_tone-of-voice_feature.jpg 1920w, https:\/\/brotest.dk\/wearebro\/wp-content\/uploads\/case_tone-of-voice_feature-300x169.jpg 300w, https:\/\/brotest.dk\/wearebro\/wp-content\/uploads\/case_tone-of-voice_feature-1024x576.jpg 1024w, https:\/\/brotest.dk\/wearebro\/wp-content\/uploads\/case_tone-of-voice_feature-768x432.jpg 768w, https:\/\/brotest.dk\/wearebro\/wp-content\/uploads\/case_tone-of-voice_feature-1536x864.jpg 1536w\" sizes=\"(max-width: 1920px) 100vw, 1920px\" \/><span class=\"raven-post-image-overlay\"><\/span><\/a><\/div><div class=\"raven-post-content\" data-id=\"4940\"><h3 class=\"raven-post-title\"><a class=\"raven-post-title-link\" href=\"https:\/\/brotest.dk\/wearebro\/case\/ny-tone-of-voice-i-oersted\/\">Ny tone of voice i \u00d8rsted<\/a><\/h3><div class=\"raven-post-meta\"><span class=\"raven-post-meta-item raven-post-categories\"><a href=\"https:\/\/brotest.dk\/wearebro\/portfolio-category\/kommunikation\/\" rel=\"tag\">Kommunikation<\/a><\/span><\/div><div class=\"raven-post-excerpt\">bro oversatte principperne fra \u00d8rsteds nye tone of voice til v\u00e6rkt\u00f8jer og skrivetips i et workshop-forl\u00f8b for medarbejderne i deres fem kommunikationsteams.<\/div><\/div><\/div><\/div><\/div>\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-79d0bf49 elementor-section-content-middle elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"79d0bf49\" data-element_type=\"section\" data-e-type=\"section\" data-settings=\"{&quot;jet_parallax_layout_list&quot;:[],&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-25 elementor-top-column elementor-element elementor-element-6e40d1ce\" data-id=\"6e40d1ce\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap\">\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-25 elementor-top-column elementor-element elementor-element-2eb75213\" data-id=\"2eb75213\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-721f8af0 raven-author-box-avatar-yes raven-author-box-link-no elementor-widget elementor-widget-raven-author-box\" data-id=\"721f8af0\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"raven-author-box.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class= \"raven-author-box\">\n\t\t\t\t\t\t\t<div  class=\"raven-author-box-avatar\">\n\t\t\t\t\t<img decoding=\"async\" src=\"https:\/\/brotest.dk\/wearebro\/wp-content\/uploads\/Marie-Hemmingsen_2024-300x300.jpg\" alt=\"Marie Hemmingsen\" \/>\n\t\t\t\t<\/div>\n\t\t\t\n\t\t\t<div class= \"raven-author-box-text\">\n\t\t\t\t\n\t\t\t\t\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-25 elementor-top-column elementor-element elementor-element-1864dd0b\" data-id=\"1864dd0b\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-8c13b73 elementor-widget elementor-widget-heading\" data-id=\"8c13b73\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h5 class=\"elementor-heading-title elementor-size-default\">M\u00f8d<\/h5>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-47c452a4 elementor-widget elementor-widget-raven-post-meta\" data-id=\"47c452a4\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"raven-post-meta.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<ul class=\"raven-inline-items raven-icon-list-items raven-post-meta\">\n\t\t\t\t\t<li class=\"raven-icon-list-item elementor-repeater-item-f5849ed raven-inline-item\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"raven-icon-list-text raven-post-meta-item raven-post-meta-item-type-custom\">\n\t\t\t\t\t\t\t\t\t\tMarie Hemmingsen\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t<\/ul>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-89b0b65 elementor-widget elementor-widget-text-editor\" data-id=\"89b0b65\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\tMaries arbejdsdag er fyldt op af lige dele strategi, copywriting og projektledelse. Hun udvikler kommunikationsstrategier og personaer, skriver kernefort\u00e6llinger og stillingsopslag og g\u00f8r hjemmesider og vejledninger mere brugervenlige. Marie har bl.a. l\u00f8st opgaver for Milj\u00f8styrelsen, Sampension og Aarstiderne og er redakt\u00f8r p\u00e5 bro blog og vores egne sociale kanaler.\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-15309412 elementor-widget elementor-widget-raven-button\" data-id=\"15309412\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;turn_to_popup_action_button&quot;:&quot;no&quot;}\" data-widget_type=\"raven-button.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"raven-widget-wrapper\">\n\t\t\t<a class=\"raven-button raven-button-widget-normal-effect-none  raven-button-text-align-center raven-button-link elementor-animation-none\" href=\"https:\/\/broblog.dk\/vores-team\/casper-froekjaer-iuul\/\">\t\t\t\t<div class=\"raven-button-overlay\" ><\/div>\n\t\t\t\t<span class=\"raven-button-content\">\n\t\t\t\t\t\n\t\t\t\t\t<div class=\"button-text-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"raven-button-texts-wrapper\">\n\t\t\t\t\t\t\t<div class=\"button-text\">\n\t\t\t\t\t\t\t\t<span class=\"raven-button-text\">\n\t\t\t\t\t\t\t\t\tKontakt\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t<span class=\"raven-button-icon raven-button-icon-position-right\">\n\t\t\t\t<i aria-hidden=\"true\" class=\"fas fa-arrow-right\"><\/i>\t\t\t<\/span>\n\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t<\/a>\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-25 elementor-top-column elementor-element elementor-element-761213d2\" data-id=\"761213d2\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap\">\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<\/div>\n\t\t","protected":false},"excerpt":{"rendered":"<p>\u00c5rsopg\u00f8relsen er landet, og du sidder fanget i TastSelv-k\u00f8en. Men det er okay. For du har sikret sommerferien ved at betale for meget i skat hele \u00e5ret. GE-NI-ALT. Eller hvad?<\/p>\n","protected":false},"author":5,"featured_media":7440,"comment_status":"closed","ping_status":"open","sticky":false,"template":"full-width.php","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[36],"tags":[33],"class_list":["post-7439","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-adfaerdsdesign","tag-indlaeg"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.6 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Penge tilbage i skat? Derfor er det en d\u00e5rlig ide.<\/title>\n<meta name=\"description\" content=\"Det er ikke \u00f8konomisk smart at spare op ved at betale for meget i skat. Lav i stedet et budget og en opsparingskonto.\" \/>\n<meta name=\"robots\" content=\"noindex, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<meta property=\"og:locale\" content=\"da_DK\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Penge tilbage i skat? Derfor er det en d\u00e5rlig ide.\" \/>\n<meta property=\"og:description\" content=\"Det er ikke \u00f8konomisk smart at spare op ved at betale for meget i skat. Lav i stedet et budget og en opsparingskonto.\" \/>\n<meta property=\"og:url\" content=\"https:\/\/broblog.dk\/penge-tilbage-i-skat-derfor-er-det-en-daarlig-ide\/\" \/>\n<meta property=\"og:site_name\" content=\"bro\" \/>\n<meta property=\"article:publisher\" content=\"https:\/\/www.facebook.com\/wearebro.dk\/\" \/>\n<meta property=\"article:published_time\" content=\"2024-03-05T15:20:24+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2024-03-06T14:36:48+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/broblog.dk\/wp-content\/uploads\/Opsparingsadfaerd-2.jpg\" \/>\n\t<meta property=\"og:image:width\" content=\"1920\" \/>\n\t<meta property=\"og:image:height\" content=\"1080\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/jpeg\" \/>\n<meta name=\"author\" content=\"Casper Danholt Iuul\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:label1\" content=\"Skrevet af\" \/>\n\t<meta name=\"twitter:data1\" content=\"Casper Danholt Iuul\" \/>\n\t<meta name=\"twitter:label2\" content=\"Estimeret l\u00e6setid\" \/>\n\t<meta name=\"twitter:data2\" content=\"9 minutter\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\\\/\\\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\\\/\\\/broblog.dk\\\/penge-tilbage-i-skat-derfor-er-det-en-daarlig-ide\\\/#article\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/broblog.dk\\\/penge-tilbage-i-skat-derfor-er-det-en-daarlig-ide\\\/\"},\"author\":{\"name\":\"Casper Danholt Iuul\",\"@id\":\"https:\\\/\\\/broblog.dk\\\/#\\\/schema\\\/person\\\/6cc4818f9101eaef0dffc8224502094a\"},\"headline\":\"Penge tilbage i skat? 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