[{"data":1,"prerenderedAt":928},["ShallowReactive",2],{"findBlogArticleBySlug_fixkosten-reduzieren-die-gefahr-kleiner-ausgaben":3,"getDomainUrl":350,"findMenuEntries":354,"getDomainSettings":899,"svg-019d75fb-2634-7ac6-8eec-26af83a25269":24,"_apollo:static":925,"_apollo:public":926,"_apollo:form":927},{"findBlogArticle":4},[5],{"id":6,"slug":7,"title":8,"content":9,"target":318,"metaTags":319,"fallbackSeoTitle":322,"fallbackSeoDescription":323,"fallbackSeoImage":24,"fallbackSeoCanonicalUrl":324,"headerTheme":30,"heroTheme":30,"footerTheme":30,"publishedAt":325,"quickLinksFaq":289,"quickLinksCredit":208,"quickLinksCard":208,"quickLinksOffices":208,"quickLinksContact":289,"quickLinksSavings":289,"quicklinks":326,"teaserImage":327,"teaserText":336,"heroImage":337,"imagePositionVertical":347,"imagePositionHorizontal":348,"__typename":349},"101","fixkosten-reduzieren-die-gefahr-kleiner-ausgaben","Fixkosten reduzieren: Die Gefahr kleiner Ausgaben",[10,19,22,32,35,78,81,84,88,94,97,100,113,116,122,135,138,144,151,154,167,170,183,186,199,202,214,217,238,241,264,267,306,310,315],{"__typename":11,"text":12,"textOverlay":13,"height":14,"width":15,"marginBottom":16,"marginTop":17,"anchorSlug":18,"anchorTitle":18},"TextBlock","\u003Cp>Wer seine Fixkosten reduzieren möchte, sollte nicht nur auf große Anschaffungen achten. 2.000 € für einen Urlaub oder 20.000 € für ein neues Auto? Bevor wir uns etwas Teures leisten, überlegen wir meist sehr genau: Wir vergleichen, planen und rechnen. Wir sparen länger auf das große Ziel hin und setzen uns damit auseinander. Bei 3 € für einen Coffee-to-go oder 9,99 € für ein neues Streaming-Abo denken wir dagegen kaum nach. Und genau hier liegt das Problem: Mini-Beträge fühlen sich harmlos an – sie belasten unser Budget aber oft stärker als große Anschaffungen. Weitere Tipps rund ums Geld sparen im Alltag finden Sie in unserem Beitrag \u003Ca href=\"/blog/geld-sparen-im-alltag\">Geld sparen im Alltag\u003C/a>.\u003C/p>\u003Cp>Erfahren Sie hier, warum kleine Ausgaben oft gefährlicher sind als große Anschaffungen, was unser Gehirn damit zu tun hat und wie Sie diese Fixkosten am besten reduzieren können.\u003C/p>","","h-default","w-full","small","none","69d8947615d91",{"__typename":11,"text":20,"textOverlay":13,"height":14,"width":15,"marginBottom":16,"marginTop":17,"anchorSlug":21,"anchorTitle":21},"\u003Cp>\u003Cstrong>Inhaltsverzeichnis:\u003C/strong>\u003C/p>\u003Cul>\u003Cli>\u003Ca href=\"#ub0\">Das Wichtigste in Kürze\u003C/a>\u003C/li>\u003Cli>\u003Ca href=\"#ub1\">Große Ausgaben schlagen „Alarm“\u003C/a>\u003C/li>\u003Cli>\u003Ca href=\"#ub2\">Kleine Ausgaben erhöhen die Lebenshaltungskosten\u003C/a>\u003C/li>\u003Cli>\u003Ca href=\"#ub3\">Warum unser Gehirn kleine Beträge unterschätzt\u003C/a>\u003C/li>\u003Cli>\u003Ca href=\"#ub4\">Fixkosten reduzieren\u003C/a>\u003C/li>\u003Cli>\u003Ca href=\"#ub5\">Möglichkeiten nutzen – Geld wachsen lassen\u003C/a>\u003C/li>\u003Cli>\u003Ca href=\"#ub6\">Häufige Fragen\u003C/a>\u003C/li>\u003Cli>\u003Ca href=\"#ub7\">Fazit\u003C/a>\u003C/li>\u003C/ul>","69d8947615dfe",{"__typename":23,"backgroundImage":24,"content":25,"theme":29,"imagePositionHorizontal":24,"imagePositionVertical":24,"imageMobilePositionHorizontal":24,"imageMobilePositionVertical":24,"mobileBackgroundDisplay":24,"height":14,"width":15,"marginBottom":30,"marginTop":17,"anchorSlug":31,"anchorTitle":31},"ContainerBlock",null,[26],{"__typename":11,"text":27,"textOverlay":13,"height":14,"width":15,"marginBottom":17,"marginTop":17,"anchorSlug":28,"anchorTitle":28},"\u003Ch2>Das Wichtigste in Kürze\u003C/h2>\u003Cul>\u003Cli>Kleine Ausgaben wirken harmlos, summieren sich aber oft auf mehrere tausend Euro pro Jahr.\u003C/li>\u003Cli>Wer unnötige Fixkosten reduzieren möchte, sollte vor allem regelmäßige Mini-Ausgaben überprüfen.\u003C/li>\u003Cli>Typische Geldfresser im Haushalt sind Streaming-Abos, Coffee-to-go, Lieferdienste oder spontane Onlinekäufe.\u003C/li>\u003Cli>Schon kleine Veränderungen helfen dabei, im Alltag Geld zu sparen und finanzielle Freiräume zu schaffen.\u003C/li>\u003Cli>Automatisches monatliches Sparen erleichtert es, dauerhaft Vermögen aufzubauen.\u003C/li>\u003C/ul>","6a017f2b0c38a","light-grey","default","ub0",{"__typename":11,"text":33,"textOverlay":13,"height":14,"width":15,"marginBottom":17,"marginTop":17,"anchorSlug":34,"anchorTitle":34},"\u003Ch2>Große Ausgaben aktivieren den Alarm-Modus\u003C/h2>\u003Cp>\u003Cstrong>Wenn Sie eine größere Summe ausgeben möchten, prüfen Sie vermutlich:\u003C/strong>\u003C/p>","ub1",{"__typename":23,"backgroundImage":24,"content":36,"theme":29,"imagePositionHorizontal":24,"imagePositionVertical":24,"imageMobilePositionHorizontal":24,"imageMobilePositionVertical":24,"mobileBackgroundDisplay":24,"height":14,"width":15,"marginBottom":16,"marginTop":17,"anchorSlug":77,"anchorTitle":77},[37],{"__typename":38,"iconItems":39,"iconAligning":74,"listLayout":75,"height":14,"width":15,"marginBottom":17,"marginTop":17,"anchorSlug":76,"anchorTitle":76},"IconListBlock",[40,54,64],{"icon":41,"text":13,"label":52,"__typename":53},{"label":42,"file":43,"__typename":51},"Ac370-savings",{"mimeType":44,"directDownloadUrl":45,"downloadUrl":46,"filename":47,"size":48,"content":49,"__typename":50},"image/svg+xml","https://website-content-service.santanderconsumer.at/storage/64e35dfa4681e/ac370savings.svg","https://website-content-service.santanderconsumer.at/media/download/64e35dfa4681e/ac370savings.svg?token=eyJ0eXAiOiJKV1QiLCJhbGciOiJSUzI1NiJ9.eyJpYXQiOjE3Nzk4NzE5NTUsImV4cCI6MTc3OTg3NTU1NSwiZmlsZXN5c3RlbV9zZXJ2aWNlX2lkIjoibG9jYWwiLCJmaWxlbmFtZSI6IjY0ZTM1ZGZhNDY4MWUvYWMzNzBzYXZpbmdzLnN2ZyJ9.tOabFH-TMBfN0ZUQg0gqwD1Qu8aCj3hXhPr61MN8zeE1QNH0Y_d6JRfWL19WJcUgBIW6Ti2V8pQDzv6VHpMXBmV5dF1wCzvXlq-AMxPK7yvxHm6T7CWdg3Pq18m8I-9g_sR6Rbf8QGKH8QQopBJdNQMJAnZywNppR6bfOBj9lBSaoJ9Z6PPh-hIfyQyu5hICk5i5HI2E44NWPnzMU8VNcSfHyD-PxSb5_ka2A02U_gGUh3gwZgDpjhfibhKwyrqjlIk520TeblSRfeEEzzdUDbnqdtVarsF4Msv8hv0KNUVEmM4w2do5liOZMc2suDQ6RkkdEYLoRcbXHeKtopRgGcZtDXc_QY1DLQL39W42L0Tb7Ze8P-HucvFnbUn5STK-bqfgD6GGe3DwjnyWMiwvqORk9mH1zQFtob3lq1alp-nEGG27qsICjqqHc9MDeAvoTNYKSYRuAUSUnWKH591O8h3hpErTvUOmH8HWN0ig2soPYiwrGlof7Oqy2-DpDJQk0Bk4Sl9PmX96XYxc3vT_Sdp2m2DhyJbfGXVK4p1-3dm966lxmk0DSZi4WDo8KR1N2y8TQdN_u7rFFiaJE_sketDnP3DqIaDrp_54SZcE8ETVORfeQSwj6eF6fjbh0wNpYFCQbINs2uI6yTEbYDmCT_L9EoY-LTXX8nbjXJyIHlc","64e35dfa4681e/ac370savings.svg",3619,"\u003Csvg 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Budget?\u003C/strong>\u003C/p>","IconItem",{"icon":55,"text":13,"label":63,"__typename":53},{"label":56,"file":57,"__typename":51},"Rabatt",{"mimeType":44,"directDownloadUrl":58,"downloadUrl":59,"filename":60,"size":61,"content":62,"__typename":50},"https://website-content-service.santanderconsumer.at/storage/661ead918380f/rabatt.svg","https://website-content-service.santanderconsumer.at/media/download/661ead918380f/rabatt.svg?token=eyJ0eXAiOiJKV1QiLCJhbGciOiJSUzI1NiJ9.eyJpYXQiOjE3Nzk4NzE5NTUsImV4cCI6MTc3OTg3NTU1NSwiZmlsZXN5c3RlbV9zZXJ2aWNlX2lkIjoibG9jYWwiLCJmaWxlbmFtZSI6IjY2MWVhZDkxODM4MGYvcmFiYXR0LnN2ZyJ9.HrpXQyzxA1nYr68_RQ4IOHcHWJ1AiUuR-YPqZaMqVk2CdppLPRmAm-cs4iWsQPFEsOkmXiJosZnLgVHMpKEl6Df8PUg9wswn9oH_XFHiT5oftlEe6dmr8WY9dIMYRYymAS0KI_tDqRerezwYVvt-V5iJf97nHujE769KeJ6dWU7MEQTr1q_okJgbI9HZyZYbSJFFAwhNjTM4OjdwYTRPe4rFOu5wpPi0TxItRcFFT74LJIebTObFPKjrIiKrsTDgb44_0ZItgM5dUpVyBpzKJ5zdX-v2IIBaKqZ6WZACJHMxojmp6wto7UTOYVujkTLYhJj6r7xOwwOhHHk7jqWor1yxEap-UQUSQVjf3NO4cqQkPHdNfrRsqBs_1itgPEHY6BsmwEBsXxiRnRKHPtEj9kB5Du9--mq94FxOh31PTKvmDGMaoFRSR7a8m5cf_EctXqHeocZVYnOLr5BqPkOJK6FUiJej9aMmhWnP0vEX_BrD4BVBsEaVUTa_-QavorVp78ckAQmGaZW6vRGLUA6e_lihM_YgYjZPbIjke83DADzCZ-Kn0EBdh9th9j82D9lbchSGIl1v8hpb3xLDFiVlrIYvOZd3v1yDTKVOYrD-zpaelzUiEFb0fJPOP-9tBoXOTzRVo8uW6nyvoqMRUlbpI5coi1Wdgdc55P-F89TYFIg","661ead918380f/rabatt.svg",3523,"\u003C?xml 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Alternativen?\u003C/strong>\u003C/p>",{"icon":65,"text":13,"label":73,"__typename":53},{"label":66,"file":67,"__typename":51},"Payment_fragezeichen",{"mimeType":44,"directDownloadUrl":68,"downloadUrl":69,"filename":70,"size":71,"content":72,"__typename":50},"https://website-content-service.santanderconsumer.at/storage/69d894240c7f6/payment_fragezeichen.svg","https://website-content-service.santanderconsumer.at/media/download/69d894240c7f6/payment_fragezeichen.svg?token=eyJ0eXAiOiJKV1QiLCJhbGciOiJSUzI1NiJ9.eyJpYXQiOjE3Nzk4NzE5NTUsImV4cCI6MTc3OTg3NTU1NSwiZmlsZXN5c3RlbV9zZXJ2aWNlX2lkIjoibG9jYWwiLCJmaWxlbmFtZSI6IjY5ZDg5NDI0MGM3ZjYvcGF5bWVudF9mcmFnZXplaWNoZW4uc3ZnIn0.pTnzPcEzybO3SAIwZKLoNC0I1ce7IIH-Je0ZT8nUf0sZ2FTlVIRD2bQwYRTThR1aGXblKNBjozFzvf7q_2MhELXf5Xj02eZwdQk5wIH4Ls0DjFGwV6XTtHS8I2LigLLOd1HKnfk2L-Je6eapil6lu1j-YLGBYkSgSYAOQ_HXjl-BYjrRw_nLo81j1HMEKof9W7QCGY7ir9EPYWlhLVIVd1z8acGE0LLDL_jlHbPse1uc6CbFaaJ7a2F0CuFPooSorp8ML0fDO1aSA4nB1OJAHguFZ6kE-TvIB448euhnly6-tzsnVds8UIIA8MFC4eiSH_XOXSODYHcCxiUP9hEX7J1uitKIXGB9PR2O1LioCK9WrcwvW4Cn5wQalUPpDt3_7sQp1Fjm16HkRlJSgSARxg5A7owkZ42KfbK_PyKUnKUiVT4RVQlFck4adH7QBbGNsROTtyEw4nzVWFNmQqqRa0Aw4Rrfxrkjtt1IEX5mhXnB_ZO7lwsUiRJ5ahlUKvKNMytXpFS2diikMW4OrfbY33V0j6gOag3i1v0VD0sZCTcfOAW-_wGTdeLaGbOS9slY8eSDaoMLYPALNf8s6HgK4jlSY4M2djnRIRq44njccFVavFzOKZIA0QOToXLV7Bgg64fUw5gAKdCokRr4sDz68X7ASOm5GOF5GC3MdTdrkLA","69d894240c7f6/payment_fragezeichen.svg",2049,"\u003C?xml 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Sie setzen sich aktiv mit der Anschaffung auseinander. Sie lassen sich Zeit bei der Entscheidung. Sie holen sich vielleicht sogar Rat bei Ihrem Umfeld und Expertinnen und Experten.\u003C/p>\u003Cp>Große Summen lösen innerlich eine Art „Alarm-Modus“ aus. Kleine Beträge hingegen wirken unbedeutend. Sie durchlaufen diesen inneren Prüfmechanismus meist nicht.\u003C/p>","69d8947615e22",{"__typename":11,"text":82,"textOverlay":13,"height":14,"width":15,"marginBottom":16,"marginTop":17,"anchorSlug":83,"anchorTitle":83},"\u003Ch2>Kleine Beträge erhöhen unbemerkt die Lebenshaltungskosten\u003C/h2>\u003Cp>Ein Coffee-to-go, ein Snack zwischendurch, ein T-Shirt im Sale, ein zusätzliches Streaming-Abo. Jeweils nur ein paar Euro, die sich nicht relevant anfühlen. Einzeln wirken diese Beträge harmlos. In Summe können sie jedoch übers Jahr mehrere tausend Euro ausmachen. Geld, das man im Alltag gut sparen könnte.\u003C/p>\u003Ch3 class=\"h5\">Hier finden Sie einige typische Beispiele für kleine Ausgaben, die sich im Haushalt schnell summieren können: \u003C/h3>","ub2",{"__typename":85,"text":86,"height":14,"width":15,"marginBottom":30,"marginTop":16,"anchorSlug":87,"anchorTitle":87},"HtmlBlock","\u003Cfigure class=\"table ins striped fix\">\n    \u003Ctable class=\"blue w700\">\n        \u003Cthead>\n            \u003Ctr class=\"lvl2\">\n                \u003Cth id=\"ag\" scope=\"col\">\n                    \u003Cstrong>Ausgabe\u003C/strong>\n                \u003C/th>\n                \u003Cth id=\"mt\">\n                    \u003Cstrong>Monatlich\u003C/strong>\n                \u003C/th>\n                \u003Cth id=\"jh\" scope=\"col\">\n                    \u003Cstrong>Jährlich\u003C/strong>\n                \u003C/th>\n            \u003C/tr>\n        \u003Ctbody>\n            \u003Ctr>\n                \u003Ctd id=\"r1\" headers=\"ag\">\n                    \u003Cstrong>1 Coffee-to-go pro Arbeitsalltag (3 €)\u003C/strong>\n                \u003C/td>\n                \u003Ctd headers=\"mt\"> \n                    ca. 60 €\n                \u003C/td>\n                \u003Ctd headers=\"jh\"> \n                    720 €\n                \u003C/td>\n            \u003C/tr>\n            \u003Ctr>\n                \u003Ctd id=\"r1\" headers=\"ag\">\n                    \u003Cstrong>3 Streaming-Abos\u003C/strong>\n                \u003C/td>\n                \u003Ctd headers=\"mt\"> \n                    30 €\n                \u003C/td>\n                \u003Ctd headers=\"jh\"> \n                    360 €\n                \u003C/td>\n            \u003C/tr>\n            \u003Ctr>\n                \u003Ctd id=\"r1\" headers=\"ag\">\n                    \u003Cstrong>Spontane Online­einkäufe\u003C/strong>\n                \u003C/td>\n                \u003Ctd headers=\"mt\"> \n                    50 €\n                \u003C/td>\n                \u003Ctd headers=\"jh\"> \n                    600 €\n                \u003C/td>\n            \u003C/tr>\n            \u003Ctr>\n                \u003Ctd id=\"r1\" headers=\"ag\">\n                    \u003Cstrong>2 Lieferdienst-Bestellungen pro Monat\u003Cbr>(25 €)\u003C/strong>\n                \u003C/td>\n                \u003Ctd headers=\"mt\"> \n                    50 €\n                \u003C/td>\n                \u003Ctd headers=\"jh\"> \n                    600 €\n                \u003C/td>\n            \u003C/tr>\n            \u003Ctr>\n                \u003Ctd id=\"r1\" headers=\"ag\">\n                    \u003Cstrong>Snacks & Getränke unterwegs (15 €) \u003C/strong>\n                \u003C/td>\n                \u003Ctd headers=\"mt\"> \n                    ca. 60 €\n                \u003C/td>\n                \u003Ctd headers=\"jh\"> \n                    720 €\n                \u003C/td>\n            \u003C/tr>\n            \u003Ctr>\n                \u003Ctd id=\"r1\" headers=\"ag\">\n                    \u003Cstrong>In-App-Käufe/Spiele\u003C/strong>\n                \u003C/td>\n                \u003Ctd headers=\"mt\"> \n                    20 €\n                \u003C/td>\n                \u003Ctd headers=\"jh\"> \n                    240 €\n                \u003C/td>\n            \u003C/tr>\n            \u003Ctr>\n                \u003Ctd id=\"r1\" headers=\"ag\">\n                    \u003Cstrong>Bequemlich­keitskäufe im Supermarkt (Fertig­gerichte etc.)\u003C/strong>\n                \u003C/td>\n                \u003Ctd headers=\"mt\"> \n                    40 €\n                \u003C/td>\n                \u003Ctd headers=\"jh\"> \n                    480 €\n                \u003C/td>\n            \u003C/tr>\n            \u003Ctr>\n                \u003Ctd id=\"r1\" headers=\"ag\">\n                    \u003Cstrong>Impulskäufe im Drogeriemarkt\u003C/strong>\n                \u003C/td>\n                \u003Ctd headers=\"mt\"> \n                    25 €\n                \u003C/td>\n                \u003Ctd headers=\"jh\"> \n                    300 €\n                \u003C/td>\n            \u003C/tr>\n            \u003Ctr>\n                \u003Ctd id=\"r1\" headers=\"ag\">\n                    \u003Cstrong>Ungekündigtes Fitnessstudio-Abo (ungenutzt)\u003C/strong>\n                \u003C/td>\n                \u003Ctd headers=\"mt\"> \n                    35 €\n                \u003C/td>\n                \u003Ctd headers=\"jh\"> \n                    420 €\n                \u003C/td>\n            \u003C/tr>\n            \u003Ctr>\n                \u003Ctd id=\"r1\" headers=\"ag\">\n                    \u003Cstrong>\"Nur mal schnell\" bei Amazon & Co.\u003C/strong>\n                \u003C/td>\n                \u003Ctd headers=\"mt\"> \n                    40 €\n                \u003C/td>\n                \u003Ctd headers=\"jh\"> \n                    480 €\n                \u003C/td>\n            \u003C/tr>\n            \u003Ctr>\n                \u003Ctd id=\"r1\" headers=\"ag\">\n                    \u003Cstrong>Gesamtsumme\u003C/strong>\n                \u003C/td>\n                \u003Ctd headers=\"mt\"> \n                    \u003Cstrong>410 €\u003C/strong>\n                \u003C/td>\n                \u003Ctd headers=\"jh\"> \n                    \u003Cstrong>4.920 €\u003C/strong>\n                \u003C/td>\n            \u003C/tr>\n        \u003C/tbody>\n    \u003C/table>\n\u003C/figure>","69d8947615e30",{"__typename":23,"backgroundImage":24,"content":89,"theme":29,"imagePositionHorizontal":24,"imagePositionVertical":24,"imageMobilePositionHorizontal":24,"imageMobilePositionVertical":24,"mobileBackgroundDisplay":24,"height":14,"width":15,"marginBottom":30,"marginTop":17,"anchorSlug":93,"anchorTitle":93},[90],{"__typename":11,"text":91,"textOverlay":13,"height":14,"width":15,"marginBottom":17,"marginTop":17,"anchorSlug":92,"anchorTitle":92},"\u003Cp>\u003Cstrong>Tipp:\u003C/strong> Nicht der Einzelbetrag ist das Problem – sondern die Gesamtsumme. Was sich nach „ein bisschen hier und da“ anfühlt, kommt schnell auf fast 5.000 € im Jahr. Geld, das vielleicht bei den Lebenshaltungskosten fehlt oder das man ansparen beziehungsweise investieren könnte. \u003C/p>\u003Cp>Gerade im Vergleich zu schwer beeinflussbaren Lebenshaltungskosten wie Miete oder Energie bieten solche kleinen Alltagsausgaben oft den einfacheren Hebel, um Ausgaben zu reduzieren.\u003C/p>","69b2b1b45874d","69d8947615e38",{"__typename":11,"text":95,"textOverlay":13,"height":14,"width":15,"marginBottom":16,"marginTop":17,"anchorSlug":96,"anchorTitle":96},"\u003Ch2>Warum fallen uns Mini-Beträge kaum auf?\u003C/h2>\u003Ch3>Sie sind Teil unseres Alltags\u003C/h3>\u003Cp>Die Macht der Gewohnheit: Kaffee, Snacks, Apps, Lieferdienste – vieles gehört zu unserer täglichen Routine. Doch Routinen und Rituale werden selten bewusst hinterfragt.\u003C/p>\u003Ch3>Sie fühlen sich wie eine Belohnung an\u003C/h3>\u003Cp>Ein kleiner Kauf sorgt oft für ein gutes Gefühl – etwa nach einem anstrengenden Tag. Hier spielt unser Belohnungssystem eine entscheidende Rolle. Bereits die Vorfreude auf einen Kauf aktiviert im Gehirn die Ausschüttung von Dopamin. Dieses Hormon verstärkt Motivation und Lust – besonders bei sofortiger Belohnung. Unser Gehirn liebt unmittelbare Freude. Das nennt man auch den Dopamin-Effekt.\u003C/p>\u003Cp>Langfristige Ziele wie Altersvorsorge oder Vermögensaufbau lösen dagegen weniger emotionale Reaktionen aus, weil sie weit in der Zukunft liegen. Psychologen sprechen hier vom sogenannten „Present Bias“ – wir gewichten kurzfristige Vorteile stärker als langfristige Sicherheit.\u003C/p>\u003Cp>Ein Coffee-to-go liefert sofortigen Genuss. Ein ETF-Sparplan liefert erst in Jahren ein gutes Gefühl. Und genau deshalb gewinnt oft der Kaffee.\u003C/p>\u003Ch3>Der „Zahlungsschmerz“ ist gering\u003C/h3>\u003Cp>Gerade kleine Zahlungen verschwinden nahezu unbemerkt. Der „Pain of Paying“ bleibt aus. Studien zeigen außerdem, dass wir Ausgaben stärker spüren, wenn wir Bargeld aus der Hand geben. Anders ist es bei großen Beträgen. Sie aktivieren unser Kostenbewusstsein – sogar dann, wenn wir digital bezahlen.\u003C/p>\u003Ch3>Sie passieren impulsiv\u003C/h3>\u003Cp>„Nur heute -20 %“, „Kostenloser Versand ab 50 €“, „Andere kauften auch…“ Strategien des Online-Handels, die zu unnötigen Käufen verleiten. Nicht der Rabatt spart Geld – sondern der Nicht-Kauf. Sich selbst immer wieder daran zu erinnern, birgt ein großes Sparpotenzial.\u003C/p>\u003Ch3>Sie erscheinen „leistbar“\u003C/h3>\u003Cp>Das stimmt vielleicht im Moment – aber nicht unbedingt auf das Jahr gerechnet. Und nur, weil ich mir etwas leisten kann, heißt das noch lange nicht, dass ich es wirklich brauche oder der Kauf sinnvoll ist.\u003C/p>","ub3",{"__typename":11,"text":98,"textOverlay":13,"height":14,"width":15,"marginBottom":30,"marginTop":17,"anchorSlug":99,"anchorTitle":99},"\u003Ch2>Fixkosten reduzieren: So bekommen Sie kleine Ausgaben in den Griff\u003C/h2>","ub4",{"__typename":38,"iconItems":101,"iconAligning":74,"listLayout":15,"height":14,"width":15,"marginBottom":16,"marginTop":17,"anchorSlug":112,"anchorTitle":112},[102],{"icon":103,"text":13,"label":111,"__typename":53},{"label":104,"file":105,"__typename":51},"Details",{"mimeType":44,"directDownloadUrl":106,"downloadUrl":107,"filename":108,"size":109,"content":110,"__typename":50},"https://website-content-service.santanderconsumer.at/storage/65f8322bc69ba/bc054details.svg","https://website-content-service.santanderconsumer.at/media/download/65f8322bc69ba/bc054details.svg?token=eyJ0eXAiOiJKV1QiLCJhbGciOiJSUzI1NiJ9.eyJpYXQiOjE3Nzk4NzE5NTUsImV4cCI6MTc3OTg3NTU1NSwiZmlsZXN5c3RlbV9zZXJ2aWNlX2lkIjoibG9jYWwiLCJmaWxlbmFtZSI6IjY1ZjgzMjJiYzY5YmEvYmMwNTRkZXRhaWxzLnN2ZyJ9.QBkYnfu5iAp7TK11rza31iWIHmmO80HIgd8DAoFcQGeCPc_muZ7GuKyMbule7GMW2i1IZsj-wFT8jA0Kyu0x-1_qTFN8gOfjaAsglCeXZbGDHusscTb14Scmm1jq5YGzfmUe1XON98LvVpmUO0IgpIdmLTWYU6zxvm0LF2fP8VvHIFNfAeutZp0OvrirrbVPOxBWAkQVuk2ygxdEStYYM4mY4Qu_tiAcmTT_l021a6UEERjoGR3q5aAMYmD4VKd0H7lvy_jEbkbPqyQw-wCcks3PC9CCUw2U43k8JeNInOgt2nshoXR3p90CpIS1KB7lg2AorcZSi2eMWoQv0-256gmFTwOKRH_0ge_ED_aG0GouFWmKByvLj2WXxgj1mefxWzLrd8OCS20ka2Wf-LeluYP7uRpzBj26VbhD7q7oIVAX2jvt5HBsyrBg3f74tBh9-E8TlBS-g0J1rOL7x322QhNw2S0d8SSnEA3GAkfCpuXQQA4OkCL7sz-bxG84DWl6WYCh6G8zaZWbXWB_dkHVydHuCON_TVx2fbc3DD3jkxxV15ou2OSoGMrflnDdom_-K7z0MRdltL12CJBPiHmNPP0vDuWLHhx5OJhzot-Hyczip7ltzlnmBLcZMTaySirvtub3SNOOj04DenxaR4OOkC68CzAC1uFq5u1EU4EhxtM","65f8322bc69ba/bc054details.svg",0,"\u003Csvg xmlns=\"http://www.w3.org/2000/svg\" viewBox=\"0 0 24 24\">\u003Cpath fill=\"currentColor\" fill-rule=\"nonzero\" d=\"M12.5 2c.136 0 .255.058.343.147l.06.073 4.927 4.927c.103.092.17.222.17.37l-.008.037L18 9.498a.5.5 0 0 1-.498.502.543.543 0 0 1-.492-.408l-.01-.09-.006-1.488L12.521 8a.5.5 0 0 1-.49-.408l-.008-.09L12.003 3H5v18h6.5a.5.5 0 0 1 .09.992L11.5 22h-7a.5.5 0 0 1-.492-.41L4 21.5v-19a.5.5 0 0 1 .5-.5h8zm3.506 10.098a4.001 4.001 0 0 1 .855 4.39l2.967 2.969c.586.585.591 1.53.012 2.11-.58.579-1.524.573-2.11-.012l-2.959-2.959a4.001 4.001 0 0 1-4.422-6.498 4 4 0 0 1 5.657 0zm-4.95.707a3 3 0 0 0 3.882 4.55l.201-.161.171-.158.11-.116a3 3 0 0 0-4.364-4.115zm1.95-9.069l.015 3.265 3.26.01-3.275-3.275zm2.78 14.222l-.131.108 2.782 2.782c.176.175.441.195.63.067l.066-.056a.489.489 0 0 0 .047-.626l-.059-.07-2.782-2.781-.148.178-.108.115-.077.08-.145.138-.074.065z\"/>\u003C/svg>","\u003Ch3>Sichtbar machen\u003C/h3>","69df39023b959",{"__typename":11,"text":114,"textOverlay":13,"height":14,"width":15,"marginBottom":16,"marginTop":17,"anchorSlug":115,"anchorTitle":115},"\u003Cp>Wenn Sie Ihre Geldfresser erkennen wollen, gehen Sie einen Monat lang Ihre Kontoauszüge durch und markieren Sie:\u003C/p>\u003Cul>\u003Cli>alle Beträge unter 20 €\u003C/li>\u003Cli>alle Abos\u003C/li>\u003Cli>alle Spontankäufe\u003C/li>\u003C/ul>","69df39023b961",{"__typename":23,"backgroundImage":24,"content":117,"theme":29,"imagePositionHorizontal":24,"imagePositionVertical":24,"imageMobilePositionHorizontal":24,"imageMobilePositionVertical":24,"mobileBackgroundDisplay":24,"height":14,"width":15,"marginBottom":30,"marginTop":17,"anchorSlug":121,"anchorTitle":121},[118],{"__typename":11,"text":119,"textOverlay":13,"height":14,"width":15,"marginBottom":17,"marginTop":17,"anchorSlug":120,"anchorTitle":120},"\u003Cp>Addieren Sie diese Posten separat. Die Summe wird Sie mit ziemlicher Sicherheit überraschen. Und was davon haben Sie eigentlich wirklich gebraucht?\u003C/p>","69df39023b975","69df39023b969",{"__typename":38,"iconItems":123,"iconAligning":74,"listLayout":15,"height":14,"width":15,"marginBottom":16,"marginTop":17,"anchorSlug":134,"anchorTitle":134},[124],{"icon":125,"text":13,"label":133,"__typename":53},{"label":126,"file":127,"__typename":51},"Calendar_12",{"mimeType":44,"directDownloadUrl":128,"downloadUrl":129,"filename":130,"size":131,"content":132,"__typename":50},"https://website-content-service.santanderconsumer.at/storage/69d8943b87c3b/calendar_12.svg","https://website-content-service.santanderconsumer.at/media/download/69d8943b87c3b/calendar_12.svg?token=eyJ0eXAiOiJKV1QiLCJhbGciOiJSUzI1NiJ9.eyJpYXQiOjE3Nzk4NzE5NTUsImV4cCI6MTc3OTg3NTU1NSwiZmlsZXN5c3RlbV9zZXJ2aWNlX2lkIjoibG9jYWwiLCJmaWxlbmFtZSI6IjY5ZDg5NDNiODdjM2IvY2FsZW5kYXJfMTIuc3ZnIn0.BqRDlbhkIfUP7zKSoTUfkU_g4QYQG-ro0eXjfX_7-dWSKt8aXPafSYS9YkX7EiRqQkfc_01KVQCoAy3gAPpHIOjxt7yJcEvRMD_71SD8iMqc1tQ0Zfe_9DqoCZzOjo-sh49qRP-d_QKq3YlXLL9bznnFik-_fnuRhZhiKTOEPDDFDTQFJBhULWSZcgPAeVMnaAXJ8I9n83kjjpLPLeEIA_NNPllZoT_oEIv43It51c9i_4YEa1PrvXS8V-LpQrJA_TLeXHFbbs9dc8T9rOLcc_DjvDNfBZSjkeonbfZMdTyjITBmbMlyswgV0-b0zgbBJqjzolM7pPLHeyrE_U8VnAzIjGk0xUy6fLNA3W-VsYyZJJAI56ga9sUrd85TvRds1m3B2rowh556I31nCB1f5AFgRMNHY-WlLLRx0sIowm7B_5viHult0TsaR3LaWZLxL-o6JeG4pyaatLve13RkhZGokxl8c9o3ne4sij8QEw1qf-wX_Fa9hdeijYF_acRV0rN3u846vbSS0zm11qzuSZaUwIXonFOX3xs-ObFNLayDDVYZgV2KgRH55oI2WSN3hRcT_T3cNohvPF_Wmgj_oX8_ldeXvwVsFObE_aZEYHxJkN3Qavw3dj5fo9YLGKy_rVfzYazjoDOfYr1x6vK2eGnEpqWbwkxjiwy-VJHKFss","69d8943b87c3b/calendar_12.svg",1307,"\u003C?xml version=\"1.0\" encoding=\"UTF-8\"?>\n\u003Csvg id=\"Ebene_1\" xmlns=\"http://www.w3.org/2000/svg\" version=\"1.1\" viewBox=\"0 0 24 24\">\n  \u003C!-- Generator: Adobe Illustrator 30.2.1, SVG Export Plug-In . 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Wenn Sie mit Ihrer Antwort zögern oder sie sogar „Nein“ lautet, lohnt sich ein genauer Blick.\u003C/p>","69df39023b97d",{"__typename":23,"backgroundImage":24,"content":139,"theme":29,"imagePositionHorizontal":24,"imagePositionVertical":24,"imageMobilePositionHorizontal":24,"imageMobilePositionVertical":24,"mobileBackgroundDisplay":24,"height":14,"width":15,"marginBottom":30,"marginTop":17,"anchorSlug":143,"anchorTitle":143},[140],{"__typename":11,"text":141,"textOverlay":13,"height":14,"width":15,"marginBottom":17,"marginTop":17,"anchorSlug":142,"anchorTitle":142},"\u003Cp>💡\u003Cstrong> Beispiel\u003C/strong>: Die wenigsten von uns haben nur ein Streaming-Abo sondern mehrere. Nutzen Sie wirklich alle? Wenn Sie nur ein einziges davon kündigen, sparen Sie mindestens 10 € im Monat, das sind 120 € im Jahr. Dieser Perspektivwechsel hilft enorm dabei, monatliche Ausgaben zu senken!\u003C/p>","69df39023b989","69df39023b981",{"__typename":38,"iconItems":145,"iconAligning":74,"listLayout":15,"height":14,"width":15,"marginBottom":16,"marginTop":17,"anchorSlug":150,"anchorTitle":150},[146],{"icon":147,"text":13,"label":149,"__typename":53},{"label":66,"file":148,"__typename":51},{"mimeType":44,"directDownloadUrl":68,"downloadUrl":69,"filename":70,"size":71,"content":72,"__typename":50},"\u003Ch3>Die „Brauche-ich-das-wirklich?“-Methode\u003C/h3>","69df39023b98d",{"__typename":11,"text":152,"textOverlay":13,"height":14,"width":15,"marginBottom":16,"marginTop":17,"anchorSlug":153,"anchorTitle":153},"\u003Cp>Überlegen Sie vor jedem spontanen Kauf, ob Sie ein Produkt, Kleidungsstück etc. in Aktion auch zum vollen Preis kaufen würden. Oder fragen Sie sich, ob Sie es auch kaufen würden, wenn Sie in bar bezahlen müssten. Wenn eine der Antworten „Nein“ lautet, dann lieber bleiben lassen. Auch, wenn die Verlockung noch so groß ist.\u003C/p>","69df39023b991",{"__typename":38,"iconItems":155,"iconAligning":74,"listLayout":15,"height":14,"width":15,"marginBottom":16,"marginTop":17,"anchorSlug":166,"anchorTitle":166},[156],{"icon":157,"text":13,"label":165,"__typename":53},{"label":158,"file":159,"__typename":51},"BA090-calculator",{"mimeType":44,"directDownloadUrl":160,"downloadUrl":161,"filename":162,"size":163,"content":164,"__typename":50},"https://website-content-service.santanderconsumer.at/storage/69d8944dd37d8/ba090calculator.svg","https://website-content-service.santanderconsumer.at/media/download/69d8944dd37d8/ba090calculator.svg?token=eyJ0eXAiOiJKV1QiLCJhbGciOiJSUzI1NiJ9.eyJpYXQiOjE3Nzk4NzE5NTUsImV4cCI6MTc3OTg3NTU1NSwiZmlsZXN5c3RlbV9zZXJ2aWNlX2lkIjoibG9jYWwiLCJmaWxlbmFtZSI6IjY5ZDg5NDRkZDM3ZDgvYmEwOTBjYWxjdWxhdG9yLnN2ZyJ9.pT8KMPiMQohjFM3QiQVeN9hW85XfJ684gr8Mm1YPzLHFQazpDhhk1XZbCAFJHqJIIF-0xBmxF_s1HJbaL-WVPSssvJJHIMaAS4Z360MFb1OmikHhkMiLQgnCUp3ZbnGnbVD-EZv5kRAi2XkNTQcxxeDpT_pBIgot8OIjEOcqW7HPMJxKlKbkXzudoHhBEDVohGg4NNrVYiW7V37nZ_Ks6c63IIfgLuk7BzKU0LcVZ_JN8b29vsD24B5wyEilqLax1tp3986W3ut5Lzl6D5uQvge8LXgMfriaRo4Dvq5f6D_bUWqlkFAOfMPOJkm-R_2RKpJ7dRf_aYOlmPPWg5oLrnU6px98m2asyIIA-hchWsmgsmtp3QO7wT_-OmRT1TwNCGkXyGnxgvUxBxto3u6ZCBTl0XOaHT6B0bfR9XHT9pRStJXU2zaQU2IT-_5IGQIfrzEpuOfnHiTOovAruc2fvw6e3BeSp6LlVIXDx8o2XtXQTd6TOOM7odufp9sQRHcGjmN1ZChv2QVBnE7Fy8WAUlkhCsO_bMmtD1pU3v3PcSMZsWbwjeWG0o8LcBE0tT7xEIfQOkrqkzjqiw6yogfPIhTNfbXWgLEAxTMa7GvXL6RWzmuvYy7d2j1b51O9DMIgOYYSxwCBrz2iqKzpuWmGsMBr0EXkO7zzvwTbhzL0zG8","69d8944dd37d8/ba090calculator.svg",3605,"\u003C?xml 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Bequemlichkeit oder soziale Gewohnheit: Der Coffee-to-go ist selten nur ein Kaffee. Er ist ein Ritual. Die Online-Bestellung ist selten nur ein Produkt. Sie ist die Vorfreude. Fragen Sie sich, wie Sie das gleiche Gefühl auch günstiger haben können! Bereiten Sie zum Beispiel Ihren Kaffee für unterwegs zuhause vor und machen Sie das zum Ritual. Setzen Sie ein Produkt auf die Wishlist statt in den Einkaufswagen und kosten Sie auf diese Weise die Vorfreude aus. Sparen funktioniert nachhaltiger, wenn Emotionen ersetzt – nicht unterdrückt – werden.\u003C/p>","69df399c31891",{"__typename":38,"iconItems":171,"iconAligning":74,"listLayout":15,"height":14,"width":15,"marginBottom":16,"marginTop":17,"anchorSlug":182,"anchorTitle":182},[172],{"icon":173,"text":13,"label":181,"__typename":53},{"label":174,"file":175,"__typename":51},"BD330-settings",{"mimeType":44,"directDownloadUrl":176,"downloadUrl":177,"filename":178,"size":179,"content":180,"__typename":50},"https://website-content-service.santanderconsumer.at/storage/69d8945b05171/bd330settings.svg","https://website-content-service.santanderconsumer.at/media/download/69d8945b05171/bd330settings.svg?token=eyJ0eXAiOiJKV1QiLCJhbGciOiJSUzI1NiJ9.eyJpYXQiOjE3Nzk4NzE5NTUsImV4cCI6MTc3OTg3NTU1NSwiZmlsZXN5c3RlbV9zZXJ2aWNlX2lkIjoibG9jYWwiLCJmaWxlbmFtZSI6IjY5ZDg5NDViMDUxNzEvYmQzMzBzZXR0aW5ncy5zdmcifQ.UxGkCjab47X--QgL_xCRtr-Zdpv54Nsn1DfkVQG6Gnm_yLCrFUgyZ6IXD12J8644v5DqE52WjiYFlwiBKXzo7jfeq8-E-8hrS6ILasca16oLQccD0rUen7l8lqhmYIoGmgr8nI9CUuS7zMeWxbVm-IBfEZBFeUl9xyva68FI0RrraQVUSue66Fao3z67QpiPb7oGThrgkcbTuAU77YWOc-ruDP_qqYDdomRet86Fp1csQ6yz72VyaHGHn954ZRuwfdcCdytPHwLK2J8IejUW19mL2-ukmrJWHMdQJ8fn3p6Rq2gV6G5nCdb-0qsuuEn6MfOUbEn3GAoZqTGjc8MssTYQTBbYUjOkp7gWlpOZAWflpAshOlBupTm4nPIzgk1nBAzOJKx-fC3GXnqZR9j2sf3CDdJn7ENXVcLJ34vzVzjdNb_ZAG6o25H4iKPFzQ7nBMMvbYFaW_1FLsBI0MAmMVRb-jlVNUGrT1VUQNvRReFJhD7H72JzYNUZi4gnUi5oJzpYqLlDhf7UjV3CbbElyWFQpvyRKC6tSU1QSr8Dcw93p0rs__2ru4M9zue5wg4xNEdBQsIJSZnrGT_4xRkAFeOY6RXMTmOJhC5EGBTpysgi15iuOx9wAfd3VtpV_npqpbe3D5NcW61utOM3iJFppksOt4IDSQyzt0A9XgcMcoE","69d8945b05171/bd330settings.svg",5693,"\u003C?xml 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Es reicht, gewisse Dinge gezielt zu reduzieren: 2 statt 5 Coffee-to-go pro Woche, das eine oder andere Streaming-Abo pausieren, (Online-)Käufe mindestens 24 Stunden überdenken. Man kann hier ruhig kreativ werden. Wie wäre es zum Beispiel mit einem bewussten „No-Spend-Day“ pro Woche? Eine kleine Challenge kann sogar richtig Spaß machen. So können Sie monatlich sparen, ohne Ihre Lebensqualität wesentlich einzuschränken.\u003C/p>","69df399c31898",{"__typename":38,"iconItems":187,"iconAligning":74,"listLayout":15,"height":14,"width":15,"marginBottom":16,"marginTop":17,"anchorSlug":198,"anchorTitle":198},[188],{"icon":189,"text":13,"label":197,"__typename":53},{"label":190,"file":191,"__typename":51},"AC372-move-from-saving",{"mimeType":44,"directDownloadUrl":192,"downloadUrl":193,"filename":194,"size":195,"content":196,"__typename":50},"https://website-content-service.santanderconsumer.at/storage/69d894699f2f4/ac372movefromsaving.svg","https://website-content-service.santanderconsumer.at/media/download/69d894699f2f4/ac372movefromsaving.svg?token=eyJ0eXAiOiJKV1QiLCJhbGciOiJSUzI1NiJ9.eyJpYXQiOjE3Nzk4NzE5NTUsImV4cCI6MTc3OTg3NTU1NSwiZmlsZXN5c3RlbV9zZXJ2aWNlX2lkIjoibG9jYWwiLCJmaWxlbmFtZSI6IjY5ZDg5NDY5OWYyZjQvYWMzNzJtb3ZlZnJvbXNhdmluZy5zdmcifQ.jmXibVhYb3eLnbvjvwiNx8qK8L6bMU021aZ98mnRYKmqO9JFTMpebkbur3GYjBA2xSjFG35xuot8BF_RHti_9-PJFVYyQwPp5IRA51XVXGLbGSEApT7e3nfIci1rKPDKKXXqbvjJsHSegxP4OnCQv_cXvHgjiJCBSTf278hyoVEtAiJZoG66EDEdaLS2xLbofHmqr5RWqozTn5F-wasNKbz5zFJSRYOIbpRZVPrVpD4tG6QrZyzfIV_qAjMfOmhT0VoWcpTxTcoIMVKxWdSNuSrZPQv5f2IaYt6upBXNfZbmrHzPVW4C32v3GOX54-Ap-rtOIPyuPDx_16f5H7a03YB5Qhh7MVE4todV4o4JUhZFhr26ubbSAVDYXE7O1WZG-pIJNrQTCoo6brlcAajkrWISqMxEHLu3-Ev0lNHTuXw_Go9E7RdYyKc_dSarg-99N2z0UdrBzam9R66iCZ6th0Xp6F2dhurs6f6S3fgHNwhGf9N94rlYzgb-CNxVr0CaqS2JAAw6-9XNlPuhF98zwMCOWyFhk4W9mD7-e-PhhfVa59TUX2dXmK-IRQb1Z6NYVs-6vjRsM8AM5xj7sMKe3ypaD4XH1ub7aDqeTI9wiSoBJ-CHrk0DDZ0Jk8nLNs2jaWytbK16Kr4Tlhy-5BFb-Msp81oQCfbucr6X1HNu6Ds","69d894699f2f4/ac372movefromsaving.svg",1388,"\u003Csvg xmlns=\"http://www.w3.org/2000/svg\" fill=\"currentColor\" viewBox=\"0 0 24 24\">\n  \u003Cpath fill=\"currentColor\" d=\"M10.213 3C8.538 3 7.364 4.388 6.621 6.173a6.933 6.933 0 0 0-2.979 3.402H2.5l-.09.008a.5.5 0 0 0-.41.493v3.846l.008.09a.5.5 0 0 0 .492.411h1.143l.12.276a7.063 7.063 0 0 0 3.747 3.578l-.001 2.222.008.09a.5.5 0 0 0 .992-.09v-1.897c.548.135 1.12.206 1.704.206h4.677l.35-.009c.464-.022.917-.09 1.354-.196l-.001 1.896.008.09a.5.5 0 0 0 .992-.09v-2.193l-.003-.028c2.586-1.06 4.41-3.594 4.41-6.547a.5.5 0 1 0-1 0c0 3.35-2.74 6.075-6.11 6.075h-4.677l-.252-.005c-2.508-.102-4.69-1.72-5.501-4.044a.5.5 0 0 0-.472-.335H3v-2.845h.988l.09-.008a.5.5 0 0 0 .382-.329 5.927 5.927 0 0 1 2.793-3.272.5.5 0 0 0 .229-.257c.51-1.285 1.292-2.349 2.231-2.634V6.47l.008.09a.5.5 0 0 0 .492.411h1.61l.09-.008a.5.5 0 0 0-.09-.994h-1.11V3.5l-.008-.09a.5.5 0 0 0-.492-.41ZM7.399 9.45a.5.5 0 0 0-.992.09v1.096l.008.09a.5.5 0 0 0 .992-.09V9.54L7.4 9.45Z\"/>\n  \u003Cpath fill=\"currentColor\" d=\"M18.782 2.089a.5.5 0 0 0-.637.764L19.29 4H14.5l-.09.008A.5.5 0 0 0 14.5 5h4.791l-1.146 1.146-.058.07a.5.5 0 0 0 .765.637l1.998-1.999.043-.05a.508.508 0 0 0 .066-.495.502.502 0 0 0-.109-.163l-1.998-1.999-.07-.057Zm-2.636 4.056a.5.5 0 0 1 .764.637l-.058.07-1.146 1.146h4.792a.5.5 0 0 1 .09.991l-.09.008h-4.792l1.146 1.146a.5.5 0 0 1-.628.771l-.078-.064-1.999-1.999a.502.502 0 0 1-.043-.658l.043-.05 1.999-1.998Z\"/>\n\u003C/svg>\n","\u003Ch3>Sparen automatisieren\u003C/h3>","69df399c3189c",{"__typename":11,"text":200,"textOverlay":13,"height":14,"width":15,"marginBottom":16,"marginTop":17,"anchorSlug":201,"anchorTitle":201},"\u003Cp>Viele Menschen sagen: „Am Ende des Monats spare ich, was übrigbleibt.“ Doch kleine Ausgaben sorgen dafür, dass das nie der Fall ist. Richten Sie daher am besten einen Dauerauftrag ein, der direkt nach Gehaltseingang einen festen Betrag auf ein separates Sparkonto überweist. Aus den Augen, aus dem Sinn. So sorgen Sie dafür, dass das Geld nicht kleinweise „verschwindet“ und aus einer Konsum-Gewohnheit wird eine Spar-Gewohnheit und Sie sparen automatisch monatlich.\u003C/p>","69df399c3189f",{"__typename":203,"buttonItems":204,"buttonsAligning":212,"height":14,"width":15,"marginBottom":30,"marginTop":17,"anchorSlug":213,"anchorTitle":213},"ButtonsBlock",[205],{"label":206,"buttonDataAttribute":24,"resolvedUrl":207,"targetBlank":208,"theme":209,"buttonSize":30,"withIcon":208,"iconRef":24,"iconPosition":210,"onlyIcon":208,"outline":208,"buttonTitleAttribute":24,"__typename":211},"Entdecken Sie jetzt unsere aktuellen Spar-Angebote","/sparen",false,"secondary","right","ButtonBlock","justify-center","69df37744b671",{"__typename":11,"text":215,"textOverlay":13,"height":14,"width":15,"marginBottom":16,"marginTop":17,"anchorSlug":216,"anchorTitle":216},"\u003Ch2>Möglichkeiten nutzen – Geld wachsen lassen\u003C/h2>\u003Cp>Ein weiterer Aspekt, den man nicht außer Acht lassen sollte: Jeder kleine Betrag, der ausgegeben wird, ist Geld, das nicht wachsen kann. Vielleicht denken Sie jetzt: „Was machen schon 100 € oder 200 € im Monat?“ Sehr viel – wenn man ihnen Zeit gibt.\u003C/p>","ub5",{"__typename":218,"icon":219,"image":24,"text":13,"height":14,"width":15,"marginBottom":30,"marginTop":17,"anchorSlug":227,"anchorTitle":227,"theme":228,"contentHead":229,"contentMain":233,"contentMeta":237},"CardAdvancedBlock",{"label":220,"file":221,"__typename":51},"Ca350-academy",{"mimeType":44,"directDownloadUrl":222,"downloadUrl":223,"filename":224,"size":225,"content":226,"__typename":50},"https://website-content-service.santanderconsumer.at/storage/64e35eba8e6d4/ca350academy.svg","https://website-content-service.santanderconsumer.at/media/download/64e35eba8e6d4/ca350academy.svg?token=eyJ0eXAiOiJKV1QiLCJhbGciOiJSUzI1NiJ9.eyJpYXQiOjE3Nzk4NzE5NTUsImV4cCI6MTc3OTg3NTU1NSwiZmlsZXN5c3RlbV9zZXJ2aWNlX2lkIjoibG9jYWwiLCJmaWxlbmFtZSI6IjY0ZTM1ZWJhOGU2ZDQvY2EzNTBhY2FkZW15LnN2ZyJ9.NeFbi5yQEQNwghWsQi73z3gv-Vt7GDcruK38POaHmPqtUzmKl8XX3lN0LnGxz2frwqGmIss6L0SrDEan6YYop5CSeCLRO4maobF9NSUSghmFqIRh26wZC86QZ0Vr2x1_VRQ6-B2NjJ8b81Nsvf2qmQ4HGQNjSqUV5p-MXIdrTDHC8_NA1s-qhJnx-gegdHlqgR2Ep4ylVxoOilhagj0HA1EodIVpOLQHKdheatoJR8ciG_4olLmxCxpXvhlk34dkcoUNfXFeaLn840FulSe3s33vQ0oiu-c-iPf6yiEfbaCIS9RS2f-LH0j7RYVUEhaKrdAjgC65mjbR4sq0eysBvfTbjFwNzacO17MPXzscy1qtkvOehE9KaOG1CWJZ6CMOAG4gAD7qceqHuUEZWXrR-uomtAogTpOUu3mDFcuse6e281UM2iJvPwqghnXslJGdvDYYTHsZeLSs2NARY08sBCZuuxFUaSKn4Qp8LBTWjpLdWGyWSLRDJwEP_01tBPFRVptcahJst-XgKrvDsVLdyZKNgKUqrIkT7kTgwVZ9KGLjr-U0ecNe46vsMlGz-TgnzLnXElENpurz6EmYwdihKbkWbHSkGpxf-VAcbNiOj-V57sfBdHc2NbwAuDaT0NUrXcc_n1iXcxgcA7HUbqxyP2InQLFrFB1PC5Zo3hs3BjM","64e35eba8e6d4/ca350academy.svg",3004,"\u003Csvg 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10.9940647,4.99414631 Z\"/>\u003C/svg>","69d8947615e62","turquoise",[230],{"__typename":11,"text":231,"textOverlay":13,"height":14,"width":15,"marginBottom":17,"marginTop":17,"anchorSlug":232,"anchorTitle":232},"\u003Ch3>Einfaches Praxisbeispiel\u003C/h3>","69b954d720662",[234],{"__typename":11,"text":235,"textOverlay":13,"height":14,"width":15,"marginBottom":17,"marginTop":17,"anchorSlug":236,"anchorTitle":236},"\u003Cp>Nehmen wir an, Sie sparen durch bewusstere Entscheidungen \u003Cstrong>150 €\u003C/strong> monatlich ein und legen diesen Betrag regelmäßig auf einem Sparkonto oder Festgeldkonto mit aktuellen Sparzinsen von rund \u003Cstrong>2 % pro Jahr\u003C/strong> an.\u003C/p>\u003Cp>\u003Cstrong>Das Ergebnis:\u003C/strong>\u003C/p>\u003Cul>\u003Cli>Nach \u003Cstrong>10 Jahren\u003C/strong>: rund \u003Cstrong>20.000 €\u003C/strong>\u003C/li>\u003Cli>Nach \u003Cstrong>20 Jahren\u003C/strong>: rund \u003Cstrong>44.000 €\u003C/strong>\u003C/li>\u003Cli>Nach \u003Cstrong>30 Jahren\u003C/strong>: über \u003Cstrong>71.000 €\u003C/strong>\u003C/li>\u003C/ul>\u003Cp>\u003Cspan class=\"text-sm\">Kleiner Hinweis: Die Berechnung dient ausschließlich als Beispiel und berücksichtigt keine zukünftigen Zinsänderungen.\u003C/span>\u003C/p>\u003Cp>Das ist die Kraft des Zinseszinses: Nicht nur Ihr eingesetztes Geld wächst, auch die bereits erzielten Erträge erwirtschaften wiederum Rendite.\u003C/p>\u003Cp>\u003Cstrong>Allmählich werden aus 3 € am Tag:\u003C/strong>\u003C/p>\u003Cul>\u003Cli>finanzielle Sicherheit\u003C/li>\u003Cli>ein solides Polster\u003C/li>\u003Cli>mehr Unabhängigkeit\u003C/li>\u003Cli>weniger Stress\u003C/li>\u003C/ul>\u003Cp>Kleine Ausgaben kosten also nicht nur Geld – sie kosten auch Möglichkeiten!\u003C/p>","69b954d720667",[],{"__typename":11,"text":239,"textOverlay":13,"height":14,"width":15,"marginBottom":30,"marginTop":17,"anchorSlug":240,"anchorTitle":240},"\u003Ch2>Häufige Fragen\u003C/h2>","ub6",{"__typename":242,"accordionEntries":243,"height":14,"width":15,"marginBottom":16,"marginTop":17,"anchorSlug":263,"anchorTitle":263},"AccordionBlock",[244,248,251,254,257,260],{"label":245,"text":246,"__typename":247},"Was ist wichtiger – große oder kleine Ausgaben zu optimieren?","\u003Cp>Beides. Aber kleine Ausgaben sind oft der einfachere und sofort wirksame Hebel. Sie sind tagtäglich umsetzbar.\u003C/p>","AccordionItem",{"label":249,"text":250,"__typename":247},"Sind kleine Ausgaben wirklich so schlimm?","\u003Cp>Einzeln nicht. In Summe jedoch können sie erheblich sein. Ihre Wiederholung macht sie teuer. Das ist das eigentliche Problem.\u003C/p>",{"label":252,"text":253,"__typename":247},"Sollte man sich gar nichts mehr gönnen?","\u003Cp>Doch. Es geht nicht um Verzicht, sondern um bewusste Entscheidungen. Wer sich gezielt etwas gönnt, genießt es meist sogar mehr.\u003C/p>",{"label":255,"text":256,"__typename":247},"Was ist der wichtigste erste Schritt?","\u003Cp>Sichtbarkeit schaffen. Zahlen bringen Klarheit – und Klarheit ermöglicht bessere Entscheidungen.\u003C/p>",{"label":258,"text":259,"__typename":247},"Wie erkenne ich meine größten Mini-Geldfresser?","\u003Cp>Durch Transparenz: Eine Analyse Ihrer Kontoauszüge und die Umrechnung auf Jahresbeträge sind oft sehr aufschlussreich und der Anstoß, etwas gegen unnötige Mini-Ausgaben zu unternehmen und diese unnötigen Fixkosten zu reduzieren.\u003C/p>",{"label":261,"text":262,"__typename":247},"Warum fühlt sich Sparen bei kleinen Beträgen so unbedeutend an?","\u003Cp>Weil unser Gehirn kurzfristige Freude stärker gewichtet als langfristige Sicherheit.\u003C/p>","69d8947615e74",{"__typename":11,"text":265,"textOverlay":13,"height":14,"width":15,"marginBottom":16,"marginTop":17,"anchorSlug":266,"anchorTitle":266},"\u003Ch2>Fazit\u003C/h2>\u003Ch3>Nicht der große Kauf gefährdet Ihre Finanzen – sondern die kleinen Gewohnheiten.\u003C/h3>\u003Cp>Große Ausgaben planen wir. Kleine Ausgaben passieren. Genau deshalb sind sie gefährlicher. Wir tendieren dazu, sie nicht aktiv wahrzunehmen. Es sind die vielen kleinen Beträge, die sich still und heimlich summieren, wenn man sie sich nicht bewusst macht.\u003C/p>\u003Cp>Wer bewusst konsumiert, typische Geldfresser erkennt und Schritt für Schritt laufende Ausgaben sowie unnötige Fixkosten reduziert, kann langfristig monatliche Ausgaben senken und mehr finanziellen Spielraum schaffen. Es geht nicht darum, sich nichts mehr zu gönnen, sondern durch das Bewusstmachen die Kontrolle zurückzugewinnen. Dann bleibt am Ende auch mehr übrig.\u003C/p>","ub7",{"__typename":23,"backgroundImage":24,"content":268,"theme":29,"imagePositionHorizontal":24,"imagePositionVertical":24,"imageMobilePositionHorizontal":24,"imageMobilePositionVertical":24,"mobileBackgroundDisplay":24,"height":14,"width":15,"marginBottom":30,"marginTop":17,"anchorSlug":305,"anchorTitle":305},[269],{"__typename":270,"layout":271,"horizontalAlignment":302,"verticalAlignment":303,"height":14,"width":15,"marginBottom":16,"marginTop":17,"anchorSlug":304,"anchorTitle":304},"LayoutBlock",{"type":272,"left":273,"center":277,"right":293,"centerLeft":24,"centerRight":24,"__typename":301},"union_columns_8_8_8",[274],{"__typename":11,"text":275,"textOverlay":13,"height":14,"width":15,"marginBottom":17,"marginTop":17,"anchorSlug":276,"anchorTitle":276},"\u003Ch2>Noch Fragen?\u003C/h2>\u003Cp>Gerne beantworten wir\u003Cwbr> Ihre individuellen Fragen.\u003C/p>","69329024e3023",[278],{"__typename":279,"buttonItems":280,"buttonsAligning":212,"icon":281,"image":24,"calculatedImageCustomAltText":24,"imageCustomCaptionText":13,"hideOnMobile":208,"hideCaption":208,"lazyload":289,"text":290,"title":291,"height":14,"width":15,"marginBottom":17,"marginTop":17,"anchorSlug":292,"anchorTitle":292,"fullWidthImage":208},"CardBlock",[],{"label":282,"file":283,"__typename":51},"CA120-personal manager 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version=\"1.0\" encoding=\"UTF-8\"?>\n\u003Csvg xmlns=\"http://www.w3.org/2000/svg\" viewBox=\"0 0 24 24\">\u003Cpath fill=\"currentColor\" fill-rule=\"nonzero\" d=\"M8.782 7.758c1.523 0 2.136.867 2.21 1.654l.008.106v3.466h1.5c.245 0 .45-.178.492-.41l.008-.09V9.538c.03-.868.617-1.777 2.181-1.777.038 0 .076.004.113.013l.436.095.285.056.25.043c.11.018.198.028.247.028.052.014.177-.001.336-.032l.26-.055.556-.134a.538.538 0 0 1 .118-.014c1.523 0 2.136.867 2.21 1.653l.008.107v2.961c0 .133-.02.26-.054.381l-.038.12H21.5a.5.5 0 0 1 .09.994l-.09.008H11v.5c0 .604-.356 1.125-.869 1.364l-.131.053V21.5a.5.5 0 0 1-.992.09L9 21.5v-6.01a.5.5 0 0 1 .41-.493l.09-.008c.245 0 .45-.178.492-.411l.008-.09V9.535c-.019-.558-.54-.724-.97-.764l-.19-.01-.286.065-.365.077c-.19.037-.382.07-.531.084l-.135.008c-.167 0-.44-.042-.71-.092l-.387-.077-.299-.065c-.48.008-1.028.14-1.116.67L5 9.551v4.936c0 .245.177.45.41.493l.09.008a.5.5 0 0 1 .492.41l.008.09V21.5a.5.5 0 0 1-.992.09L5 21.5v-5.596a1.505 1.505 0 0 1-.993-1.267L4 14.486v-.5H2.5a.5.5 0 0 1-.09-.994l.09-.008H4v-3.45c.03-.867.617-1.776 2.181-1.776.038 0 .076.004.113.013l.289.064.434.087.25.043c.112.018.2.028.248.028l.122-.016.332-.058.419-.084.276-.063a.538.538 0 0 1 .118-.014zM7.5 15.99a.5.5 0 0 1 .492.411l.008.09v5.01a.5.5 0 0 1-.992.09L7 21.5v-5.01a.5.5 0 0 1 .5-.5zm10.53-7.214l-.19-.01-.286.065-.365.077c-.19.037-.382.07-.531.084l-.135.008c-.21 0-.585-.065-.91-.13l-.487-.104c-.48.008-1.027.139-1.115.67l-.011.12v2.928c0 .133-.02.26-.054.381l-.038.12H18.5c.245 0 .45-.178.492-.41l.008-.09V9.538c-.019-.558-.54-.724-.97-.764zM16.499 2c.655 0 1.313.296 1.716.775.3.353.443.782.413 1.222l-.02.166-.199 1.56c-.152.976-.919 1.622-1.91 1.622-.935 0-1.67-.576-1.876-1.45l-.03-.158-.204-1.593c-.08-.48.06-.973.396-1.371.403-.477 1.06-.773 1.714-.773zm-9 0c.655 0 1.313.296 1.716.775.3.353.443.782.413 1.222l-.02.166-.199 1.56C9.257 6.7 8.49 7.345 7.5 7.345c-.935 0-1.67-.576-1.876-1.45l-.03-.158-.204-1.593c-.08-.48.06-.973.396-1.371C6.188 2.296 6.845 2 7.499 2zm9 1.002c-.363 0-.736.164-.951.418a.7.7 0 0 0-.18.475l.01.104.205 1.597c.071.456.423.748.916.748.453 0 .787-.245.896-.648l.024-.114.2-1.565a.7.7 0 0 0-.166-.596c-.216-.254-.59-.42-.954-.42zm-9 0c-.363 0-.736.164-.951.418a.7.7 0 0 0-.18.475l.01.104.205 1.597c.071.456.423.748.916.748.453 0 .787-.245.896-.648l.024-.114.2-1.565a.7.7 0 0 0-.166-.596c-.216-.254-.59-.42-.954-.42z\" style=\"fill: currentColor;\"/>\u003C/svg>\n",true,"\u003Cp>Kontaktieren Sie uns hier bei weiteren Fragen.\u003C/p>\u003Cp>\u003Ca class=\"button primary\" href=\"/kontakt\">Kontakt\u003C/a>\u003C/p>","\u003Ch3>Kontakt\u003C/h3>","6645ebc98cfde",[294],{"__typename":279,"buttonItems":295,"buttonsAligning":212,"icon":296,"image":24,"calculatedImageCustomAltText":24,"imageCustomCaptionText":13,"hideOnMobile":208,"hideCaption":208,"lazyload":289,"text":298,"title":299,"height":14,"width":15,"marginBottom":17,"marginTop":17,"anchorSlug":300,"anchorTitle":300,"fullWidthImage":208},[],{"label":42,"file":297,"__typename":51},{"mimeType":44,"directDownloadUrl":45,"downloadUrl":46,"filename":47,"size":48,"content":49,"__typename":50},"\u003Cp>Finden Sie hier mehr Informationen zu unseren Sparprodukten.\u003C/p>\u003Cp>\u003Ca class=\"button primary\" href=\"/sparen\">Sparen\u003C/a>\u003C/p>","\u003Ch3>Sparen\u003C/h3>","6645ebc98cfe2","Layout","justify-between","items-stretch","69329024e301d","69d8947615e7b",{"__typename":307,"layout":308,"height":14,"width":15,"marginBottom":16,"marginTop":17,"anchorSlug":309,"anchorTitle":309},"DividerBlock","step0","69d8947615ea6",{"__typename":311,"text":312,"height":14,"width":15,"marginBottom":30,"marginTop":17,"anchorSlug":313,"anchorTitle":313,"showLatestOnly":289,"blogCategories":314},"BloglistBlock","\u003Ch3>Aktuelles aus unserem Blog\u003C/h3>","69d8947615eab",[],{"__typename":85,"text":316,"height":14,"width":15,"marginBottom":30,"marginTop":17,"anchorSlug":317,"anchorTitle":317},"\u003Cstyle>\n/* Table */\n:root {\n    --green_dark: #63BA68;\n    --green_light: #e1f5e2;\n    --blue_dark: #127277;\n    --blue_light: #e8f8f9;\n    --white: #ffffff;\n}\n\nfigure.ins > table {\n    border-collapse: collapse;\n    border-style: hidden;\n}\n\ntable.w900 {\n    max-width: 900px;\n    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