<?xml version="1.0" encoding="UTF-8"?><rss xmlns:dc="http://purl.org/dc/elements/1.1/" xmlns:content="http://purl.org/rss/1.0/modules/content/" xmlns:atom="http://www.w3.org/2005/Atom" version="2.0"><channel><title><![CDATA[Björn Berg]]></title><description><![CDATA[Fagleg fjármálaráðgjöf, fyrirlestrar og námskeið.]]></description><link>https://www.bjornberg.is/greinar</link><generator>RSS for Node</generator><lastBuildDate>Thu, 10 Sep 2026 00:08:30 GMT</lastBuildDate><atom:link href="https://www.bjornberg.is/blog-feed.xml" rel="self" type="application/rss+xml"/><item><title><![CDATA[Klára náms­lánið eða greiða inn á húsnæðislánið?]]></title><description><![CDATA[33 ára karlmaður segist geta klárað lítið námslán innan árs]]></description><link>https://www.bjornberg.is/post/klara-namslanid-eda-greida-inn-a-husnaedislanid</link><guid isPermaLink="false">6a992125b79de6bdd0bd7af0</guid><category><![CDATA[Lán]]></category><category><![CDATA[Persónuleg fjármál]]></category><pubDate>Thu, 03 Sep 2026 09:15:42 GMT</pubDate><enclosure url="https://static.wixstatic.com/media/c15c6f_dbc827fe7a2f4710b18401eb976ffb73~mv2.jpg/v1/fit/w_1000,h_750,al_c,q_80/file.png" length="0" type="image/png"/><dc:creator>Björn Berg Gunnarsson</dc:creator></item><item><title><![CDATA[Hvernig get ég forðast netsvik?]]></title><description><![CDATA[Sextugur karlmaður segir mikið um að peningar séu sviknir út úr fólki á netinu og spyr hvernig forðast megi slíkt.]]></description><link>https://www.bjornberg.is/post/hvernig-get-eg-fordast-netsvik</link><guid isPermaLink="false">6a8ae1668eed5abe8162d25f</guid><category><![CDATA[Persónuleg fjármál]]></category><pubDate>Mon, 24 Aug 2026 09:30:07 GMT</pubDate><enclosure url="https://static.wixstatic.com/media/nsplsh_b13d1b396a3d499ebb371a3e0a1436c6~mv2.jpg/v1/fit/w_1000,h_1000,al_c,q_80/file.png" length="0" type="image/png"/><dc:creator>Björn Berg Gunnarsson</dc:creator></item><item><title><![CDATA[Er al­veg ómögu­legt að geyma sparnað á banka­reikningi?]]></title><description><![CDATA[55 ára kona segir alla vera að tala um hlutabréf og aðrar áhættufjárfestingar]]></description><link>https://www.bjornberg.is/post/er-alveg-omogulegt-ad-geyma-sparnad-a-bankareikningi</link><guid isPermaLink="false">6a81812e40f3daf10ba4b1fb</guid><category><![CDATA[Sparnaður og fjárfestingar]]></category><pubDate>Mon, 17 Aug 2026 09:15:02 GMT</pubDate><enclosure url="https://static.wixstatic.com/media/c15c6f_b2e0d68c28124e78ba6db74b4ea084b3~mv2.jpg/v1/fit/w_1000,h_1000,al_c,q_80/file.png" length="0" type="image/png"/><dc:creator>Björn Berg Gunnarsson</dc:creator></item><item><title><![CDATA[Áhrif áfalla á persónuleg fjármál]]></title><description><![CDATA[Hvernig getum við lágmarkað þann fjárhagslega skaða sem áföll geta valdið?]]></description><link>https://www.bjornberg.is/post/ahrif-afalla-a-personuleg-fjarmal</link><guid isPermaLink="false">6a70c45510c38ed7f0834818</guid><category><![CDATA[Persónuleg fjármál]]></category><category><![CDATA[Lán]]></category><pubDate>Mon, 10 Aug 2026 07:15:03 GMT</pubDate><enclosure url="https://static.wixstatic.com/media/c09d2ffef68b4c22a3c6309db4e53c09.jpg/v1/fit/w_1000,h_1000,al_c,q_80/file.png" length="0" type="image/png"/><dc:creator>Björn Berg Gunnarsson</dc:creator></item><item><title><![CDATA[Eigum við að sækja lífeyri snemma?]]></title><description><![CDATA[„Ja, þetta segja menn“ virðist oft vera svarið þegar spurt er hvaða sú fullyrðing komi að snemmtaka borgi sig]]></description><link>https://www.bjornberg.is/post/eigum-vid-ad-saekja-lifeyri-snemma</link><guid isPermaLink="false">6a6fa29f3e0c16484ff9a376</guid><category><![CDATA[Lífeyrismál]]></category><pubDate>Tue, 04 Aug 2026 09:15:04 GMT</pubDate><enclosure url="https://static.wixstatic.com/media/nsplsh_732d76687a6951486e674d~mv2_d_2880_1840_s_2.jpg/v1/fit/w_1000,h_1000,al_c,q_80/file.png" length="0" type="image/png"/><dc:creator>Björn Berg Gunnarsson</dc:creator></item><item><title><![CDATA[Tekur því að spara á verð­tryggðri bók?]]></title><description><![CDATA[64 ára karlmaður spyr hvort hægt sé að hagnast á verðtryggðri bankabók þegar skattur er dreginn af nafnávöxtun.]]></description><link>https://www.bjornberg.is/post/tekur-tvi-ad-spara-a-verdtryggdri-bok</link><guid isPermaLink="false">6a5747ff437e66e2012e0079</guid><category><![CDATA[Sparnaður og fjárfestingar]]></category><pubDate>Wed, 15 Jul 2026 09:43:15 GMT</pubDate><enclosure url="https://static.wixstatic.com/media/c15c6f_de019db2966a4ae2a0cc13b164a1c317~mv2.jpg/v1/fit/w_900,h_450,al_c,q_80/file.png" length="0" type="image/png"/><dc:creator>Björn Berg Gunnarsson</dc:creator></item><item><title><![CDATA[Hvað spara börnin mín á því að sleppa bíla­kaupum?]]></title><description><![CDATA[44 ára kona spyr hvað börnin hennar gætu sparað með því að sleppa bíl]]></description><link>https://www.bjornberg.is/post/hvad-spara-bornin-min-a-tvi-ad-sleppa-bilakaupum</link><guid isPermaLink="false">6a4a14f80e6d4656949a3da5</guid><category><![CDATA[Sparnaður og fjárfestingar]]></category><category><![CDATA[Persónuleg fjármál]]></category><pubDate>Mon, 06 Jul 2026 09:15:05 GMT</pubDate><enclosure url="https://static.wixstatic.com/media/c15c6f_a92604a462154587a43d9cc29c965195~mv2.jpg/v1/fit/w_1000,h_1000,al_c,q_80/file.png" length="0" type="image/png"/><dc:creator>Björn Berg Gunnarsson</dc:creator></item><item><title><![CDATA[Hvað á að gera við fermingarpeningana?]]></title><description><![CDATA[Fertug kona spyr hvað gefa eigi dóttur sinni og hvernig ávaxta skuli gjafafé]]></description><link>https://www.bjornberg.is/post/hvad-a-ad-gera-vid-fermingarpeningana</link><guid isPermaLink="false">6a43cda9dc061b2051d8e665</guid><category><![CDATA[Persónuleg fjármál]]></category><category><![CDATA[Sparnaður og fjárfestingar]]></category><pubDate>Wed, 01 Jul 2026 08:15:05 GMT</pubDate><enclosure url="https://static.wixstatic.com/media/c15c6f_93d68ea0d1894641a654b53d03cabe45~mv2.jpg/v1/fit/w_1000,h_1000,al_c,q_80/file.png" length="0" type="image/png"/><dc:creator>Björn Berg Gunnarsson</dc:creator></item><item><title><![CDATA[Hvað kostar ferðin í raun? Reiknum dæmið]]></title><description><![CDATA[Með nýrri reiknivél áætlum við heildarkostnað ferðalagsins. Þá ætti að vera óþarfi að steypa sér í skuldir. ]]></description><link>https://www.bjornberg.is/post/hvad-kostar-ferdin-i-raun</link><guid isPermaLink="false">6a3807976eab84e606070df6</guid><category><![CDATA[Persónuleg fjármál]]></category><category><![CDATA[Sparnaður og fjárfestingar]]></category><pubDate>Mon, 22 Jun 2026 09:15:09 GMT</pubDate><enclosure url="https://static.wixstatic.com/media/c15c6f_ed0f53aa581b4b4c9e2f8d65d919348a~mv2.jpg/v1/fit/w_1000,h_1000,al_c,q_80/file.png" length="0" type="image/png"/><dc:creator>Björn Berg Gunnarsson</dc:creator></item><item><title><![CDATA[Verðlaunaféð á HM - Hvert fara peningarnir?]]></title><description><![CDATA[Hvernig skiptast milljarðarnir 150 sem greiddir verða samböndum og félagsliðum?]]></description><link>https://www.bjornberg.is/post/verdlaunafed-a-hm</link><guid isPermaLink="false">6a351884217d21f7fb622b0d</guid><category><![CDATA[Afþreying]]></category><pubDate>Fri, 19 Jun 2026 11:03:26 GMT</pubDate><enclosure url="https://static.wixstatic.com/media/c15c6f_8c0681d5e1ec482dbe111a682cb29a77~mv2.png/v1/fit/w_1000,h_1000,al_c,q_80/file.png" length="0" type="image/png"/><dc:creator>Björn Berg Gunnarsson</dc:creator></item><item><title><![CDATA[Hvernig safna ég fyrir húsnæðis­kaupum?]]></title><description><![CDATA[Þrítugur karl spyr hvað fyrstu kaupendur þurfi að hafa í huga þegar sparað er fyrir útborgun]]></description><link>https://www.bjornberg.is/post/hvernig-safna-eg-fyrir-husnaediskaupum</link><guid isPermaLink="false">6a2587161f44c606b37beaa5</guid><category><![CDATA[Sparnaður og fjárfestingar]]></category><category><![CDATA[Lán]]></category><pubDate>Mon, 08 Jun 2026 08:15:09 GMT</pubDate><enclosure url="https://static.wixstatic.com/media/c15c6f_ec9ec77e42b74658b09d8f636c89eecb~mv2.jpg/v1/fit/w_1000,h_1000,al_c,q_80/file.png" length="0" type="image/png"/><dc:creator>Björn Berg Gunnarsson</dc:creator></item><item><title><![CDATA[Borgar sig að taka út séreignasparnaðinn og á­vaxta sjálfur?]]></title><description><![CDATA[76 ára karlmaður spyr hvort betri ávöxtun fáist á fastvaxtareikningi en í séreignarsparnaði]]></description><link>https://www.bjornberg.is/post/borgar-sig-ad-taka-ut-sereignarsparnad</link><guid isPermaLink="false">6a1c4aaed87dcf57d544713b</guid><category><![CDATA[Sparnaður og fjárfestingar]]></category><category><![CDATA[Lífeyrismál]]></category><pubDate>Mon, 01 Jun 2026 08:15:06 GMT</pubDate><enclosure url="https://static.wixstatic.com/media/11062b_a127991aade34fdaa4732e6692b96258~mv2.jpg/v1/fit/w_1000,h_1000,al_c,q_80/file.png" length="0" type="image/png"/><dc:creator>Björn Berg Gunnarsson</dc:creator></item><item><title><![CDATA[GTA 6 - Dýrasta afþreyingarvara sögunnar?]]></title><description><![CDATA[Það stefnir í að um verði að ræða bæði dýrasta og arðbærasta tölvuleik sögunnar]]></description><link>https://www.bjornberg.is/post/gta-6-dyrasta-afthreyingarvara-sogunnar</link><guid isPermaLink="false">6a0ee022b883334b04dfd327</guid><category><![CDATA[Afþreying]]></category><pubDate>Fri, 22 May 2026 08:15:08 GMT</pubDate><enclosure url="https://static.wixstatic.com/media/c15c6f_50b22deb3ac5493985041716ef875701~mv2.png/v1/fit/w_1000,h_1000,al_c,q_80/file.png" length="0" type="image/png"/><dc:creator>Björn Berg Gunnarsson</dc:creator></item><item><title><![CDATA[HM 2026 - Hvar eru allir gestirnir?]]></title><description><![CDATA[Er allt að fara í vaskinn á fyrir HM? Hvar eru allir gestirnir?]]></description><link>https://www.bjornberg.is/post/hm-2026-hvar-eru-allir-gestirnir</link><guid isPermaLink="false">6a04968e88d313e8c5321b74</guid><category><![CDATA[Afþreying]]></category><pubDate>Wed, 13 May 2026 16:07:44 GMT</pubDate><enclosure url="https://static.wixstatic.com/media/c15c6f_1b54db7f978447118ef473dc50240076~mv2.png/v1/fit/w_1000,h_1000,al_c,q_80/file.png" length="0" type="image/png"/><dc:creator>Björn Berg Gunnarsson</dc:creator></item><item><title><![CDATA[Hvar liggur jafnvægið í eyðslu og sparnaði?]]></title><description><![CDATA[30 ára karlmaður spyr hvernig hann geti stundum leyft sér að spreða peningunum sínum]]></description><link>https://www.bjornberg.is/post/hvar-liggur-jafnvaegid-i-eydslu-og-sparnadi</link><guid isPermaLink="false">69eb5799bbc0f3ff744b5b91</guid><category><![CDATA[Persónuleg fjármál]]></category><category><![CDATA[Lán]]></category><pubDate>Mon, 27 Apr 2026 09:15:12 GMT</pubDate><enclosure url="https://static.wixstatic.com/media/11062b_d93479431c8d4412b22282291d79c286~mv2_d_5444_3634_s_4_2.jpg/v1/fit/w_1000,h_1000,al_c,q_80/file.png" length="0" type="image/png"/><dc:creator>Björn Berg Gunnarsson</dc:creator></item><item><title><![CDATA[Er hagstætt að taka bílalán fyrir rafmagnsbíl?]]></title><description><![CDATA[30 ára karlmaður spyr hvort það geti verið „hagstætt“ að taka bílalán ef bíllinn er rafdrifinn]]></description><link>https://www.bjornberg.is/post/er-hagstaett-ad-taka-bilalan</link><guid isPermaLink="false">69dfe9da1847596b2f555299</guid><category><![CDATA[Lán]]></category><pubDate>Thu, 16 Apr 2026 09:03:05 GMT</pubDate><enclosure url="https://static.wixstatic.com/media/c15c6f_b3614fb5e7bd424db72ef3f5cb00ef70~mv2.jpg/v1/fit/w_1000,h_1000,al_c,q_80/file.png" length="0" type="image/png"/><dc:creator>Björn Berg Gunnarsson</dc:creator></item><item><title><![CDATA[HM2026 - Leikvangar]]></title><description><![CDATA[Hvað kostuðu endurbætur við velli heimsmeistaramótsins og hvernig er samanburðurinn við fyrri mót?]]></description><link>https://www.bjornberg.is/post/hm2026-leikvangar</link><guid isPermaLink="false">69cf758370c127bc4ede4a14</guid><category><![CDATA[Afþreying]]></category><pubDate>Tue, 07 Apr 2026 09:04:03 GMT</pubDate><enclosure url="https://static.wixstatic.com/media/c15c6f_fc3c88e6928c4a898108d09ae035d208~mv2.png/v1/fit/w_1000,h_1000,al_c,q_80/file.png" length="0" type="image/png"/><dc:creator>Björn Berg Gunnarsson</dc:creator></item><item><title><![CDATA[Dýrustu páskaeggin]]></title><description><![CDATA[9 milljóna króna páskakanína, milljarða króna páskaegg, heimsmet og dýrasta eggið í Krónunni.]]></description><link>https://www.bjornberg.is/post/dyrustu-paskaeggin</link><guid isPermaLink="false">69cbc014e454e7df62544401</guid><category><![CDATA[Afþreying]]></category><pubDate>Wed, 01 Apr 2026 09:08:04 GMT</pubDate><enclosure url="https://static.wixstatic.com/media/c15c6f_ab90495c217540e3a4063f7f947c0bf2~mv2.jpg/v1/fit/w_1000,h_1000,al_c,q_80/file.png" length="0" type="image/png"/><dc:creator>Björn Berg Gunnarsson</dc:creator></item><item><title><![CDATA[Hvernig erfist séreignin?]]></title><description><![CDATA[74 ára karlmaður hvernig séreignarsparnaður hans muni erfast]]></description><link>https://www.bjornberg.is/post/hvernig-erfist-sereignin</link><guid isPermaLink="false">69bfc1446e2d8139248edd5e</guid><category><![CDATA[Lífeyrismál]]></category><pubDate>Thu, 26 Mar 2026 09:18:03 GMT</pubDate><enclosure url="https://static.wixstatic.com/media/c15c6f_d4930bf72f57410387a0414ece3ec50b~mv2.jpg/v1/fit/w_1000,h_1000,al_c,q_80/file.png" length="0" type="image/png"/><dc:creator>Björn Berg Gunnarsson</dc:creator></item><item><title><![CDATA[Verðbólgan í innkaupakerrunni - Er eitthvað ódýrara?]]></title><description><![CDATA[Lambakjöt er 77% dýrara en fyrir 5 árum. En hvernig getum við dregið úr áhrifum verðbólgunnar við kassann?]]></description><link>https://www.bjornberg.is/post/verdbolgan-i-innkaupakerrunni</link><guid isPermaLink="false">69be90044d56f917b0214c77</guid><category><![CDATA[Persónuleg fjármál]]></category><pubDate>Mon, 23 Mar 2026 09:08:03 GMT</pubDate><enclosure url="https://static.wixstatic.com/media/c15c6f_847c2aad16f749fab6673cf65d9feaf1~mv2.jpg/v1/fit/w_1000,h_1000,al_c,q_80/file.png" length="0" type="image/png"/><dc:creator>Björn Berg Gunnarsson</dc:creator></item></channel></rss>