Nogen mennesker bruger alt for mange penge på eksempelvis at overforsikre sig selv. Vi vil ikke stå i en situation, hvor vi ikke er dækket. Men det vigtige er ikke at have mange forsikringer, men at vide hvordan man bruger dem.
Er man ude for en uheldig situation, skal man vide hvad man har ret til. Udnytter du dine økonomiske muligheder nok?
A-kasse og dagpenge
En forsikring der er meget fornuftig at have, er medlemskab til en a-kasse. Det er dem der kan hjælpe dig, hvis du en dag skulle stå arbejdsløs.
De hjælper dig ikke kun økonomisk, men også med hjælp til jobsøgningen. Kontingentet til en a-kasse kan virke dyrt, men det er uden tvivl pengene værd. For har du ikke medlemskab til en a-kasse, skal du finde andre offentlige ydelser. Og disse ydelser er langt fra lige så høje, som dagpengesatsen. Har du tilmed børn, vil du også kunne få en højere dagpengesats.
Supplerende dagpenge til når du har færre timer
Hvis du går ned i tid på arbejde, eller kun kan finde et deltidsarbejde, så er der også hjælp at hente. Det hedder ikke bare “surt show”, hvis du ikke kan tjene det som du plejer, eller har behov for.
Her kan du også finde økonomisk hjælp hos din a-kasse. Naturligvis er der mange regler og krav til dig som lønmodtager, regler som ikke vil blive gået i dybden med her. Men det er blot vigtigt at du ved, du kan få økonomisk hjælp, givet at du er medlem af en a-kasse.
Find en a-kasse, der passer til dig
Der findes mange a-kasser at vælge imellem, og det er vigtigt at du finder den rigtige. Find bedste a-kasse ved at undersøge hvilke af faggrupperne, de repræsenterer.
Der findes en a-kasse for alle, men nogle a-kasser er meget fagspecifikke. Derfor kan du undersøge, hvilken a-kasse der repræsenterer din branche. Det vil også gøre det nemmere for dig at få rådgivning, i forhold til jobsøgningen. Og man ønsker vel altid at få den bedste rådgivning, når man søger hjælp?
Tilskud til fuldtidsansatte
Kan man også få økonomiske tilskud, selvom man er fuldtidsansat? Naturligvis kan du det, der er bare ikke lige så mange at vælge imellem. Du kan blandt andet få tilskud til varmepumpe, hvis du vælger at få installeret sådan én. En varmepumpe er en enhed, der kan hjælpe med at nedsætte energiforbruget i hjemmet.
En forbedring til energiforbruget i hjemmet, vil ofte blive støtte økonomisk af regeringen. Men det er kun hvis du selv søger om det. En varmepumpe er ikke den dyreste investering, men der er alligevel tale om et større beløb.
Tilskuddet kan variere, alt efter hvor stor din bolig er. Dette er i forhold til hvor stort et areal, du skal opvarme.
Hvor stort dit tilskud er, afhænger også af hvor stort et energiforbrug varmepumpen har. Dette skal du oplyse, når du søger om tilskuddet. Desto mindre energiforbrug, desto større tilskud kan du håbe på at få.
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