[{"data":1,"prerenderedAt":1021},["ShallowReactive",2],{"findBlogArticleBySlug_geld-sparen-im-alltag":3,"getDomainUrl":430,"findMenuEntries":434,"getDomainSettings":986,"svg-019be4b2-03c5-701f-9c46-8a241cc15ef0":21,"findBlogCategory":1012,"svg-019a0aaf-59d9-70fc-b95e-aae135560f92":21,"svg-019a4e89-bb06-7281-ae6d-f22068435b46":21,"svg-019a4e8a-0929-79d2-8a1f-e86fcde2fb08":21,"svg-019a4e8a-4bbf-7674-aee5-6e5da7ec044b":21,"svg-019a4e8a-8832-7573-acd8-7faea1d6b096":21,"svg-019a4e8a-d463-78cd-8eff-93c0d992ca20":21,"svg-0199813f-e9eb-7af9-9717-c24e9c0e68a1":21,"_apollo:static":1018,"_apollo:public":1019,"_apollo:form":1020},{"findBlogArticle":4},[5],{"id":6,"slug":7,"title":8,"content":9,"target":394,"metaTags":396,"fallbackSeoTitle":400,"fallbackSeoDescription":401,"fallbackSeoImage":21,"fallbackSeoCanonicalUrl":402,"headerTheme":27,"heroTheme":27,"footerTheme":27,"publishedAt":403,"quickLinksFaq":181,"quickLinksCredit":49,"quickLinksCard":49,"quickLinksOffices":49,"quickLinksContact":181,"quickLinksSavings":181,"blogCategory":404,"quicklinks":408,"teaserImage":409,"teaserText":417,"heroImage":418,"imagePositionVertical":57,"imagePositionHorizontal":428,"__typename":429},"21","geld-sparen-im-alltag","Geld sparen im Alltag",[10,19,29,32,35,99,102,165,168,183,186,189,285,288,291,294,300,303,314,317,334,337,378,382,387,391],{"__typename":11,"text":12,"textOverlay":13,"height":14,"width":15,"marginBottom":16,"marginTop":17,"anchorSlug":18,"anchorTitle":18},"TextBlock","\u003Ch2>Die besten Tipps\u003C/h2>\u003Cp>Geld sparen muss nicht kompliziert sein: Schon kleine Veränderungen im Alltag können große Wirkung haben. Wir zeigen Ihnen, wie Sie Ihre Ausgaben senken, unnötige Kosten vermeiden und Schritt für Schritt ein finanzielles Polster aufbauen – auch ohne Großverdiener oder Großverdienerin zu sein. Erfahren Sie, wo im Alltag die größten Sparpotenziale liegen. Mit unseren praxisnahen Empfehlungen, starten Sie jetzt Ihren persönlichen Sparplan und gewinnen mehr finanziellen Spielraum!\u003C/p>\u003Cp>\u003Cstrong>Inhaltsverzeichnis:\u003C/strong>\u003C/p>\u003Cul>\u003Cli>\u003Ca href=\"#ub1\">Das Wichtigste in Kürze\u003C/a>\u003C/li>\u003Cli>\u003Ca href=\"#ub2\">Sparen bei niedrigen Zinsen\u003C/a>\u003C/li>\u003Cli>\u003Ca href=\"#ub3\">Typische Kostenfallen\u003C/a>\u003C/li>\u003Cli>\u003Ca href=\"#ub4\">Haushaltscheck machen\u003C/a>\u003C/li>\u003Cli>\u003Ca href=\"#ub5\">Häufige Sparpotenziale im Alltag\u003C/a>\u003C/li>\u003Cli>\u003Ca href=\"#ub6\">Langfristig sparen mit System und Planung\u003C/a>\u003C/li>\u003Cli>\u003Ca href=\"#ub7\">Psychologie des Sparens\u003C/a>\u003C/li>\u003Cli>\u003Ca href=\"#ub8\">Sparen mit Santander\u003C/a>\u003C/li>\u003Cli>\u003Ca href=\"#ub9\">Häufige Fragen\u003C/a>\u003C/li>\u003Cli>\u003Ca href=\"#ub10\">Fazit\u003C/a>\u003C/li>\u003C/ul>","","h-default","w-full","small","none","68e8a61fb0acb",{"__typename":20,"backgroundImage":21,"content":22,"theme":26,"imagePositionHorizontal":21,"imagePositionVertical":21,"imageMobilePositionHorizontal":21,"imageMobilePositionVertical":21,"mobileBackgroundDisplay":21,"height":14,"width":15,"marginBottom":27,"marginTop":17,"anchorSlug":28,"anchorTitle":28},"ContainerBlock",null,[23],{"__typename":11,"text":24,"textOverlay":13,"height":14,"width":15,"marginBottom":17,"marginTop":17,"anchorSlug":25,"anchorTitle":25},"\u003Ch2>Das Wichtigste in Kürze\u003C/h2>\u003Cul>\u003Cli>\u003Cstrong>Kleine Schritte, große Wirkung:\u003C/strong> Mit nur wenigen Anpassungen im Alltag können Sie schnell und einfach Hunderte Euro pro Jahr sparen.\u003C/li>\u003Cli>\u003Cstrong>Typische Kostenfallen erkennen:\u003C/strong> Coffee-to-go, unnötige Abos, alte Handyverträge und Spontankäufe treiben Ausgaben unnötig in die Höhe.\u003C/li>\u003Cli>\u003Cstrong>Mit System sparen:\u003C/strong> Die 50-30-20-Regel und automatische Sparpläne helfen, langfristig Rücklagen aufzubauen und finanzielle Ziele zu erreichen.\u003C/li>\u003Cli>\u003Cstrong>Mehr Überblick, weniger Stress:\u003C/strong> Ein Haushaltscheck und Tools wie Spar-Apps zeigen, wo versteckte Sparpotenziale liegen.\u003C/li>\u003Cli>\u003Cstrong>Santander unterstützt beim Sparen:\u003C/strong> Flexible Tagesgeld- und Festgeldkonten mit attraktiven Zinsen helfen, das eigene Geld sicher und effizient anzulegen. \u003C/li>\u003C/ul>","68f1f46069159","light-grey","default","ub1",{"__typename":11,"text":30,"textOverlay":13,"height":14,"width":15,"marginBottom":16,"marginTop":17,"anchorSlug":31,"anchorTitle":31},"\u003Ch2>Lohnt sich Sparen bei niedrigen Zinsen?\u003C/h2>\u003Cp>Ja, auf jeden Fall. Auch wenn die Zinsen niedrig sind, ist es sinnvoll zu sparen. Ersparnisse bedeuten finanzielle Sicherheit und machen Sie unabhängiger. Sie schaffen Rücklagen für unerwartete Ausgaben wie Reparaturen oder Jobverlust und gewinnen Spielraum für persönliche Entscheidungen: Jobwechsel, Weiterbildung, Reisen oder größere Anschaffungen. Wer spart, reduziert das Risiko von Schulden und bleibt flexibler im Leben.\u003C/p>\u003Ch3>Finanzielle Fitness zahlt sich aus\u003C/h3>\u003Cp>Genauso wie beim Sport, lässt sich auch die finanzielle Fitness trainieren: Konstanz ist entscheidend. Kleine, regelmäßige Beträge wirken langfristig stärker als unregelmäßige Einzahlungen. Wer konsequent spart, baut Stück für Stück ein stabiles finanzielles Fundament auf – die Basis für größere Investitionen und eine solide Altersvorsorge.\u003C/p>\u003Ch3>Wissen Sie, was Ihr Geld bringt?\u003C/h3>\u003Cp>Regelmäßiges Sparen zahlt sich aus, selbst mit kleinen Summen. Wer z.B. 25 € im Monat spart und 5 % Rendite erzielt, hat nach 20 Jahren aus 6.000 € Einzahlungen rund 10.000 € gemacht, wovon nach Abzug der KESt rund 9.000 € verbleiben. Entscheidend ist die Kontinuität, nicht die Höhe der Beträge. Mit Dauerauftrag oder Sparplan lässt sich Vermögen fast nebenbei aufbauen.\u003C/p>","ub2",{"__typename":11,"text":33,"textOverlay":13,"height":14,"width":15,"marginBottom":16,"marginTop":17,"anchorSlug":34,"anchorTitle":34},"\u003Ch2>Typische Kostenfallen:\u003Cbr>Was kostet der Alltag wirklich?\u003C/h2>\u003Cp>Doch wie schafft man es überhaupt, etwas Geld anzusparen? Ganz einfach: Sie sollten wissen, wie viel Sie wofür ausgeben und ob jede Ausgabe wirklich notwendig ist. Um beim Beispiel mit den 25 € im Monat zu bleiben: Diese Summe entspricht weniger als einem Euro pro Tag – und den kann man immer irgendwo einsparen!\u003C/p>\u003Cp>Mal ehrlich: Wissen Sie eigentlich, wofür Sie Ihr Geld ausgeben? Was sich da alles so ansammelt! Streaming-Abos, Zeitungsabos, Geräteversicherungen, alte Handyverträge, die viel teurer sind als neue, Versicherungen für das Auto und das Haus, die seit Jahren nicht gecheckt wurden, hohe Strom- oder Gasrechnungen – es gibt so vieles, das Sie hinterfragen können und sollen. Der erste Schritt zur finanziellen Unabhängigkeit ist, sich einen genauen Überblick über die laufenden Kosten zu verschaffen. Damit erkennen Sie auch gleich unentdeckte Geldfresser.\u003C/p>","ub3",{"__typename":20,"backgroundImage":21,"content":36,"theme":26,"imagePositionHorizontal":21,"imagePositionVertical":21,"imageMobilePositionHorizontal":21,"imageMobilePositionVertical":21,"mobileBackgroundDisplay":21,"height":14,"width":15,"marginBottom":27,"marginTop":17,"anchorSlug":98,"anchorTitle":98},[37],{"__typename":38,"anchorSlug":39,"anchorTitle":39,"height":14,"intro":40,"introImage":41,"introImageDisplay":15,"marginBottom":17,"marginTop":17,"quizEntries":52,"result1":89,"result2":90,"result3":91,"result4":92,"threshold1":93,"threshold2":94,"threshold3":95,"resultImage":96,"resultImageDisplay":15,"width":15},"QuizBlock","69382dbfe1e0d","\u003Ch2>Wie mache ich einen Haushaltscheck?\u003C/h2>\u003Ch3>Checkliste: Prüfen Sie ihre Finanz-Basis\u003C/h3>\u003Cp>Hier können Sie den Selbstcheck machen, ob Sie Ihre finanzielle Situation richtig einschätzen. Antworten Sie auf jede Frage mit \u003Cstrong>Ja\u003C/strong>, \u003Cstrong>Nein \u003C/strong>oder \u003Cstrong>Bin mir nicht sicher\u003C/strong>.\u003C/p>",{"id":42,"file":43,"hasMediaSchedules":49,"uuid":50,"alt":21,"__typename":51},"2749",{"mimeType":44,"directDownloadUrl":45,"downloadUrl":46,"filename":47,"__typename":48},"image/jpeg","https://website-content-service.santanderconsumer.at/storage/68d54fb67f927/istock1073553982.jpg","https://website-content-service.santanderconsumer.at/media/download/68d54fb67f927/istock1073553982.jpg?token=eyJ0eXAiOiJKV1QiLCJhbGciOiJSUzI1NiJ9.eyJpYXQiOjE3ODIxOTAzMjQsImV4cCI6MTc4MjE5MzkyNCwiZmlsZXN5c3RlbV9zZXJ2aWNlX2lkIjoibG9jYWwiLCJmaWxlbmFtZSI6IjY4ZDU0ZmI2N2Y5MjcvaXN0b2NrMTA3MzU1Mzk4Mi5qcGcifQ.IQkv-mpZI7_pTD_wyRCw6Q3hO2Bf-aDJB0u9ePOuZQPDAQjEvw7KfD1-AuFlayxj6-PMWi7IqnuS9qxdhPYUeynIKDn_TwMuodF6tqQrrc2csBursdi6O6WWtGTor2t5V_gS4LJqmVIlF9bcJXZ8AnSUHKP434bBQ5l8BfdJBQKhFBDzHFEhYVo1svpcs_go9zWNY1JhlD69o_H83azqCBq5RI4zn1gZ3hUwTQFfUU_uSB26m45BuYzWIflOv4AUBbltPtY1iuU_BhRRB7Qiv_N8d_JjWo5gdLOjkE6pRBr3RtiwQEK6EfJv1AsOz9Qexc-qr7C8N_AGMuwA0w-SItvoI89eUfSUPNMGttm-5sVWqHCCudr7CTZ15ul-AwYaCzHHFfGFAHtatdJ2rCeFdojR3_jtfGeVGSzpqY34qGn-Ee1h9BWkU0i_XVaMkVVcppNUDZz2bKIVBSz1Dy3QhOqYG7pPU_9o0znFTZmTrbG7JQJSs8onAI2gEZLMMzhnPkaW4DJxAgpy-DitJ-O45G3P67DLTvOpTrzzyMatF9y364z2GcC0z7DmkBRL1f0seamYC8Cq-lYuWRCZOF41GHBvB_urn1aCH4qeHC0HvH3bHYX3nvBteILmsKEgH96xx7ObwF2u4Z0fdq1DKoF6xa3tjKRAvdvxkbe1yu1vhEI","68d54fb67f927/istock1073553982.jpg","File",false,"0199813f-e9eb-7af9-9717-c24e9c0e68a1","Media",[53,62,64,66,69,71,73,75,77,79,81,83,85,87],{"label":54,"points1":55,"points2":56,"points3":57,"points4":21,"text1":58,"text2":59,"text3":60,"text4":13,"__typename":61},"Ich kenne meine monatlichen Einnahmen (netto) genau.",2,0,1,"Ja","Nein","Bin mir nicht sicher","QuizItem",{"label":63,"points1":55,"points2":56,"points3":57,"points4":21,"text1":58,"text2":59,"text3":60,"text4":13,"__typename":61},"Ich habe eine Übersicht über alle meine fixen Ausgaben wie Miete, Kredite, Leasing, Strom, Telefon, Versicherungen, Energie usw.",{"label":65,"points1":55,"points2":56,"points3":57,"points4":21,"text1":58,"text2":59,"text3":60,"text4":13,"__typename":61},"Ich handle nach einem monatlichen Haushaltsplan",{"label":67,"points1":55,"points2":56,"points3":57,"points4":21,"text1":58,"text2":68,"text3":60,"text4":13,"__typename":61},"Ich kenne meine durchschnittlichen variablen Ausgaben für Essen, Freizeit, Kleidung, Autoservice etc.","Nein ",{"label":70,"points1":55,"points2":56,"points3":57,"points4":21,"text1":58,"text2":68,"text3":60,"text4":13,"__typename":61},"Ich checke meine Ausgaben regelmäßig (einmal pro Woche oder pro Monat).",{"label":72,"points1":55,"points2":56,"points3":57,"points4":21,"text1":58,"text2":68,"text3":60,"text4":13,"__typename":61},"Ich lege mir bewusst jeden Monat etwas auf die Seite, beispielsweise mit einem Dauerauftrag.",{"label":74,"points1":55,"points2":56,"points3":57,"points4":21,"text1":58,"text2":68,"text3":60,"text4":13,"__typename":61},"Ich spare bewusst für Ziele, die ich mir wünsche, also Urlaub oder Anschaffungen daheim – aber ich denke auch an einen langfristigen Vermögensaufbau und sorge für die Pension vor.",{"label":76,"points1":55,"points2":56,"points3":57,"points4":21,"text1":58,"text2":68,"text3":60,"text4":13,"__typename":61},"Meine Ersparnisse bzw. Rücklagen sind nicht auf einem einzigen Konto geparkt, sondern ich habe in unterschiedlichen Varianten angelegt (z.B. Tagesgeldkonto, Festgeldkonto, Sparkonto, Anleihen, Aktien, etc.)",{"label":78,"points1":55,"points2":56,"points3":57,"points4":21,"text1":58,"text2":68,"text3":60,"text4":13,"__typename":61},"Wenn ich Schulden begleichen muss - zum Beispiel für eine Immobilie oder ein Fahrzeug – habe ich stets einen genauen Überblick über die monatlichen Beträge.",{"label":80,"points1":55,"points2":56,"points3":57,"points4":21,"text1":58,"text2":68,"text3":60,"text4":13,"__typename":61},"Ich prüfe regelmäßig die Kosten für Versicherungen, Streaming- oder Zeitungsabos, Energiekosten und Telefonanbieter.",{"label":82,"points1":55,"points2":56,"points3":57,"points4":21,"text1":58,"text2":68,"text3":60,"text4":13,"__typename":61},"Konsumkredite oder Ratenkäufe nutze ich nur für wichtige Anschaffungen.",{"label":84,"points1":55,"points2":56,"points3":57,"points4":21,"text1":58,"text2":68,"text3":60,"text4":13,"__typename":61},"Bei größeren Kaufentscheidungen schlafe ich lieber nochmals eine Nacht darüber und lasse mich ungerne zum Kaufabschluss drängen.",{"label":86,"points1":55,"points2":56,"points3":57,"points4":21,"text1":58,"text2":68,"text3":60,"text4":13,"__typename":61},"Ich versuche, mich nicht zu Impulskäufen verleiten zu lassen.",{"label":88,"points1":55,"points2":56,"points3":57,"points4":21,"text1":58,"text2":68,"text3":60,"text4":13,"__typename":61},"Ich habe sogar in den letzten Monaten das eine oder andere Produkt NICHT gekauft, um bewusst Geld zu sparen.","\u003Cp>\u003Cspan data-teams=\"true\">Es ist an der Zeit, Ihr Haushaltsbudget gründlich zu überarbeiten. Analysieren Sie dafür zunächst Ihre Ausgaben und setzen Sie klare Prioritäten –was brauchen Sie wirklich und wo können Sie sparen? Reduzieren Sie alle unnötigen Kosten und prüfen Sie, ob gegebenenfalls eine Umschuldung mit einem \u003C/span>\u003Ca href=\"/Kredit\">\u003Cspan data-teams=\"true\">Kredit\u003C/span>\u003C/a>\u003Cspan data-teams=\"true\"> für Sie in Frage kommt. Sprechen Sie mit uns – vielleicht haben wir eine geeignete Lösung für Sie. Zusätzlich empfehlen wir Ihnen die Einrichtung eines Notgroschens, um Risiken abzufedern und Ihre finanzielle Stabilität zu erhalten – zum Beispiel mit unseren praktischen \u003C/span>\u003Ca href=\"/Sparen\">\u003Cspan data-teams=\"true\">Online-Sparkonten.\u003C/span>\u003C/a>\u003C/p>","\u003Cp>\u003Cspan data-teams=\"true\">Ihre aktuelle Budgetplanung weist einige Schwachstellen auf, die Sie zeitnah angehen sollten. Am besten erstellen Sie zunächst einen vollständigen Überblick über Ihre Einnahmen und Ausgaben. Oft hilft es schon, Ihren Kontoauszug durchzugehen und unnötige Ausgaben konsequent zu reduzieren. \u003Cstrong>Tipp\u003C/strong>: Rücklagen für Notfälle und Beträge, die Sie gerade nicht am Konto benötigen, gehören auf ein besser verzinstes Sparkonto – zum Beispiel unser praktisches \u003C/span>\u003Ca href=\"/Sparen\">\u003Cspan data-teams=\"true\">Santander Online-Sparen.\u003C/span>\u003C/a>\u003C/p>","\u003Cp>\u003Cspan data-teams=\"true\">Sie haben Ihre Finanzen gut unter Kontrolle, doch es gibt noch Potenzial für Optimierungen. Analysieren Sie Ihre monatlichen Ausgaben und identifizieren Sie Bereiche, in denen Sie Kosten reduzieren können – etwa bei Abonnements oder Freizeitaktivitäten. Darüber hinaus schadet es nicht, Rücklagen zu bilden und diese gewinnbringend anzulegen – zum Beispiel mit unseren praktischen \u003C/span>\u003Ca href=\"/Sparen\">\u003Cspan data-teams=\"true\">Online-Sparkonten\u003C/span>\u003C/a>\u003Cspan data-teams=\"true\">. So stellen Sie sicher, dass Ihr finanzieller Spielraum immer weiter wächst.\u003C/span>\u003C/p>","\u003Cp>\u003Cspan data-teams=\"true\">Herzlichen Glückwunsch! Sie halten Ihre Finanzen im Gleichgewicht und gehen verantwortungsvoll mit Ihrem Geld um. Um Ihren Erfolg langfristig zu sichern, empfehlen wir Ihnen, Ihre Ausgaben regelmäßig zu überprüfen und gegebenenfalls anzupassen, wenn sich Ihre Lebensumstände ändern. Nutzen Sie außerdem die Möglichkeit, Rücklagen zu bilden und diese gewinnbringend anzulegen – zum Beispiel mit unseren praktischen \u003C/span>\u003Ca href=\"/sparen\">\u003Cspan data-teams=\"true\">Online-Sparkonten\u003C/span>\u003C/a>\u003Cspan data-teams=\"true\">. So stellen Sie sicher, dass Ihr finanzieller Spielraum immer weiter wächst.\u003C/span>\u003C/p>",8,16,24,{"id":42,"file":97,"hasMediaSchedules":49,"uuid":50,"alt":21,"__typename":51},{"mimeType":44,"directDownloadUrl":45,"downloadUrl":46,"filename":47,"__typename":48},"ub4",{"__typename":11,"text":100,"textOverlay":13,"height":14,"width":15,"marginBottom":16,"marginTop":17,"anchorSlug":101,"anchorTitle":101},"\u003Ch2>Häufige Sparpotenziale im Alltag:\u003Cbr>Wie spare ich am besten Geld?\u003C/h2>\u003Cp>Im Alltag verstecken sich viele kleine Kostenfallen, die sich über das Jahr zu großen Summen addieren. Wer seine Ausgaben kennt und bewusst hinterfragt, kann ohne großen Verzicht sparen.\u003C/p>","ub5",{"__typename":103,"iconItems":104,"iconAligning":163,"listLayout":15,"height":14,"width":15,"marginBottom":27,"marginTop":17,"anchorSlug":164,"anchorTitle":164},"IconListBlock",[105,119,130,141,152],{"icon":106,"text":116,"label":117,"__typename":118},{"label":107,"file":108,"__typename":115},"Coffee to go",{"mimeType":109,"directDownloadUrl":110,"downloadUrl":111,"filename":112,"size":113,"content":114,"__typename":48},"image/svg+xml","https://website-content-service.santanderconsumer.at/storage/69bc12e22ae8f/coffee_to_go2.svg","https://website-content-service.santanderconsumer.at/media/download/69bc12e22ae8f/coffee_to_go2.svg?token=eyJ0eXAiOiJKV1QiLCJhbGciOiJSUzI1NiJ9.eyJpYXQiOjE3ODIxOTAzMjQsImV4cCI6MTc4MjE5MzkyNCwiZmlsZXN5c3RlbV9zZXJ2aWNlX2lkIjoibG9jYWwiLCJmaWxlbmFtZSI6IjY5YmMxMmUyMmFlOGYvY29mZmVlX3RvX2dvMi5zdmcifQ.n3Y84s9Pu22Z45DtQvMBLksXEXVUgbBN9Qu1tSzBKVuLGBmY5EJBGf9usTN-P7B6Pwy13j_A3K_eXF5U51mrVWT3QJyKpbH4finCTQm5d7QcsFvjPqvHfwj2A4vpy2m0aZqDkSwxTdMqem1jzyVNLHgBu80Z010CXnlZYYfRFEQ-0xcljevuVGUSKcpQjOfvAwlCpylT33KVU8lZwVz_AUiiSuKacrPPZOYmLRpSZg7snGcfz9Ya6UEjr_YNCkfMESbXZUyxugFqYmA2jM42XzOfcYrU7bbQXghpoXGmhg6yZzeGveFgTdiiutGNaCyDgjiMDuPUgmsNtV9GESF85a0-uFL2dwV2W_jfpoeH3rglK6oSXROqWYsTbniPh8D9MNeQPp5Bif3gZC_QtmbTP6HvdwVTSS3244bovgvAfWpqIBJO2j70pNgqGKLO6Y_sfXtWL69pA1vQH-SyrhmBw8QldxPZ7RLd4FxQekOgiwPDlQftZj_Ds72pIc8uZTlNBbEt824LtdOyF98Edn2z_OmukvwYSrPvwEMhvubmLi9-aPYup6tX46jm2VAXNmUJmdzHTLZxFHp4q92jBDs2oRdkszAWD1wGEK5-AqBwb1Fgj6o_Lyu23GU7cAvc_ZWqoi2tz5A-4a3p-qDcwh-_bCqD7pGTV55cN8mW5ij5ZQk","69bc12e22ae8f/coffee_to_go2.svg",1507,"\u003C?xml version=\"1.0\" encoding=\"UTF-8\"?>\n\u003Csvg id=\"Ebene_1\" data-name=\"Ebene 1\" xmlns=\"http://www.w3.org/2000/svg\" viewBox=\"0 0 24 24\">\n  \u003Cpath d=\"M18.32,5.54h-2.12v-.4c0-.77-.63-1.4-1.4-1.4h-6.75c-.77,0-1.4.63-1.4,1.4v.4h-1.82c-.17,0-.31.14-.31.31v1.98c0,.17.14.31.31.31h1.05l.69,11.47c.04.64.57,1.15,1.22,1.15h7.44c.65,0,1.18-.5,1.22-1.15l.69-11.47h1.2c.17,0,.31-.14.31-.31v-1.98c0-.17-.14-.31-.31-.31ZM7.27,5.14c0-.43.35-.77.77-.77h6.75c.43,0,.77.35.77.77v.4H7.27v-.4ZM15.81,19.58c-.02.32-.28.56-.6.56h-7.44c-.32,0-.58-.25-.6-.56l-.68-11.44h10l-.68,11.44ZM18,7.52H5.14v-1.36h12.86v1.36Z\" style=\"fill: currentColor;\"/>\n  \u003Cpath d=\"M9.52,16.89s.05.05.08.06c.02,0,.03.01.05.02.04.02.08.04.12.06.31.16.65.23,1.01.23.44,0,.89-.12,1.34-.35.78-.41,1.46-1.13,1.91-2.03h0c.45-.9.62-1.87.48-2.75-.13-.79-.49-1.41-1.04-1.79-.03-.03-.06-.05-.09-.07-.02,0-.03-.02-.05-.02-.04-.02-.08-.05-.13-.07-.7-.35-1.53-.31-2.35.12-.78.41-1.46,1.13-1.91,2.03-.45.9-.62,1.87-.48,2.75.13.8.5,1.43,1.07,1.81ZM13.32,11.04c.29.29.49.7.57,1.2.12.75-.03,1.59-.42,2.37h0c-.39.78-.98,1.41-1.64,1.75-.58.3-1.16.36-1.65.17.17-.29.33-.44.48-.61.23-.23.47-.48.75-1.04.28-.57.34-.9.39-1.22.05-.29.09-.56.33-1.04.24-.48.43-.68.64-.88.18-.18.36-.37.56-.7ZM9.49,12.62c.39-.78.98-1.41,1.64-1.75.36-.19.72-.28,1.06-.28.22,0,.42.04.61.12-.17.29-.33.45-.49.61-.23.23-.47.48-.75,1.04-.28.57-.34.9-.39,1.22-.05.29-.09.56-.33,1.04-.24.48-.43.68-.64.88-.18.18-.36.37-.56.7-.3-.29-.5-.71-.58-1.22-.12-.74.03-1.58.42-2.37Z\" style=\"fill: currentColor;\"/>\n\u003C/svg>","Icon","\u003Cp>Kleine Ausgaben summieren sich schon: Ein Coffee-to-go für 3 € plus Snack für 3 € macht 6 € pro Tag. Bei fünf Arbeitstagen sind das rund 30 € pro Woche und 1.470 € pro Jahr \u003Cspan data-teams=\"true\">– ein gutes Beispiel dafür, wie schnell \u003C/span>\u003Ca href=\"/blog/fixkosten-reduzieren-die-gefahr-kleiner-ausgaben\">\u003Cspan data-teams=\"true\">kleine Ausgaben zur Fixkosten-Falle werden\u003C/span>\u003C/a>\u003Cspan data-teams=\"true\">. \u003C/span>Die Alter­native: Kaffee und Snack zu Hause vorbereiten. So sparen Sie mehrere Hundert Euro jährlich.\u003C/p>","\u003Ch3>Täglicher Coffee-to-go? Ein teurer Muntermacher!\u003C/h3>","IconItem",{"icon":120,"text":128,"label":129,"__typename":118},{"label":121,"file":122,"__typename":115},"BA040-mobile chart",{"mimeType":109,"directDownloadUrl":123,"downloadUrl":124,"filename":125,"size":126,"content":127,"__typename":48},"https://website-content-service.santanderconsumer.at/storage/69bc1558d0a21/ba040mobilechart1.svg","https://website-content-service.santanderconsumer.at/media/download/69bc1558d0a21/ba040mobilechart1.svg?token=eyJ0eXAiOiJKV1QiLCJhbGciOiJSUzI1NiJ9.eyJpYXQiOjE3ODIxOTAzMjQsImV4cCI6MTc4MjE5MzkyNCwiZmlsZXN5c3RlbV9zZXJ2aWNlX2lkIjoibG9jYWwiLCJmaWxlbmFtZSI6IjY5YmMxNTU4ZDBhMjEvYmEwNDBtb2JpbGVjaGFydDEuc3ZnIn0.MvkXrxt9T1VbyHH6D4LrnKXNH8SywL3bbsHHcdQtsLgrG0mQLbDJAAQeKuufiF90ITUcooyVFvoeYwL9QHXtfOit2s2JZUMvzYSpj6uwDi56Wm50hJzd6EAAr_eW-fgBuhxBVek68IqjP16UDPBelVZuHm7efLLpkzu6s1TKQgm8dt7hikTS0b-iUkZwhrjmRzbrgwG4BpygHs1FvCTCNnHqg6yrn_ZG5xAfq0Va7Im9bn35bSJPPO408Eqq_SG-Apc5wYduNdiRVbCjjG8LicSGC4pE_IkQy2c1H5WT5CXO5Zx5Egxm-8DdJdjmD8IJ-yXjLmZWlBBUt8g3S-hSbKrompkWhbaYTzdkTHHhr-etqo3Dlzi3UxTUV5R3rzrO9DVIx4MtjnS9Cfr9aO4YhE8JUfZZQNQrZU8yXQ4b4ZhlSMTXCaJtpJIX5-cjB-Ijq6CqlxkEK-XvbIwTlkHvnLS3BctvFkcPIuAdxL4113ndLiwxesQZJW11zFzWpAeIxnmmOAWMWSTGZbS_B6sbTBgj6F9wPpOrxJ0XUwtOSz67a78GZyhMNSvQ1zQ84Prje30ckieS_yUFu5-AePnweZZ_5Ern5k-9ay9v1E3MRXOmcMxo_vRH2hmowVFIXYqEh-KGEWdmGNtWjVyswvf3pPBMn01OMklPDOrsYpuvKgU","69bc1558d0a21/ba040mobilechart1.svg",3394,"\u003C?xml version=\"1.0\" encoding=\"UTF-8\"?>\n\u003Csvg viewBox=\"0 0 24 24\" version=\"1.1\" xmlns=\"http://www.w3.org/2000/svg\" xmlns:xlink=\"http://www.w3.org/1999/xlink\">\n    \u003Ctitle>SVG/BA040-mobile chart\u003C/title>\n    \u003Cg id=\"Symbols\" stroke=\"none\" stroke-width=\"1\" fill=\"none\" fill-rule=\"evenodd\">\n        \u003Cg id=\"B.-Digital,--Tech-&-Docs/a.-Devices/BA040-mobile-chart-|-DEVICES,-mobile,-phone,-iphone,-android,-smartphone,-móvil,-teléfono,-stock-exchange,-bolsa,-valores,-market,-value,-valor,-chart,-gráfica,-increase,-incremento,-price,-precio\" fill=\"currentColor\" fill-rule=\"nonzero\">\n            \u003Cpath d=\"M15.0380859,2 C16.070934,2 16.919593,2.80215631 16.9946098,3.81616629 L17,3.9624023 L17.0029297,6.5043945 C17.0029297,6.74962019 16.8262322,6.95395083 16.5935504,6.99667311 L16.5039063,7.0048828 C16.2573785,7.0048828 16.053289,6.82818528 16.0109793,6.59516059 L16.0029297,6.5053711 L16,3.9628906 C16,3.46958703 15.6278201,3.06217115 15.150085,3.00648574 L15.038086,3 L6.9619141,3 C6.46951728,3 6.06216617,3.37217991 6.00648539,3.85030599 L6,3.9624023 L6,20.0375977 C6,20.5304478 6.37217991,20.9378313 6.84991511,20.9935144 L6.9619141,21 L15.0380859,21 C15.5304827,21 15.9378338,20.6278201 15.9935146,20.149694 L16,20.0375977 L16,16.5009766 C16,16.2246094 16.2236328,16.0009766 16.5,16.0009766 C16.7456597,16.0009766 16.9496528,16.1776741 16.9919517,16.4110418 L17,16.5009766 L17,20.0375977 C17,21.0704457 16.1982886,21.9195496 15.1843191,21.9946069 L15.038086,22 L6.9619141,22 C5.92906604,22 5.08040701,21.1978437 5.00539017,20.1838336 L5,20.0375976 L5,3.9624023 C5,2.92955434 5.80171139,2.08045039 6.81568101,2.0053931 L6.9619141,2 L15.0380859,2 Z M11.5,19 C11.7763672,19 12,19.2236328 12,19.5 C12,19.7456597 11.8233025,19.9496528 11.5899348,19.9919517 L11.5,20 L10.5,20 C10.2236328,20 10,19.7763672 10,19.5 C10,19.2543403 10.1766975,19.0503472 10.4100652,19.0080483 L10.5,19 L11.5,19 Z M19.3173828,7.2416992 C19.4609375,7.0043945 19.7714844,6.9301757 20.0029297,7.0717773 C20.2138672,7.19851348 20.2967183,7.45526502 20.2123883,7.67708001 L20.1728516,7.7583008 L17.3427735,12.4521485 C17.2548828,12.5981446 17.0986328,12.6894532 16.9277344,12.6938477 C16.7839844,12.6840821 16.6577344,12.6393165 16.5644844,12.5495509 L16.5009766,12.4736329 L15.3310547,10.7416993 L12.9052735,14.7651368 C12.8173828,14.9111329 12.6611328,15.0024415 12.4902344,15.006836 C12.3449219,14.9990235 12.2196094,14.953086 12.1267969,14.8627735 L12.0634766,14.7866212 L10.9023438,13.0673829 L9.921875,14.7578126 C9.8291016,14.9174805 9.6611328,15.006836 9.4892578,15.006836 C9.4033203,15.006836 9.3173828,14.9853516 9.2382812,14.9394532 C9.0256076,14.8161893 8.93793398,14.5605951 9.01847026,14.3376227 L9.0566406,14.2558594 L10.4375,11.8754883 C10.524414,11.7265625 10.680664,11.6328125 10.8535156,11.6269531 C10.9796549,11.6175944 11.1281738,11.6774089 11.22956,11.7801175 L11.2841797,11.8466797 L12.4541016,13.578125 L14.8798828,9.5546875 C14.9677735,9.4086914 15.1240235,9.3173828 15.2949219,9.3129883 C15.4259441,9.30607097 15.5691732,9.36561412 15.6680953,9.46731677 L15.7216797,9.5332031 L16.8916016,11.2651367 L19.3173828,7.2416992 Z M12.5,4 C12.7763672,4 13,4.2236328 13,4.5 C13,4.74565973 12.8233025,4.94965278 12.5899348,4.99195173 L12.5,5 L9.5,5 C9.2236328,5 9,4.7763672 9,4.5 C9,4.25434027 9.17669752,4.05034722 9.41006515,4.00804827 L9.5,4 L12.5,4 Z\" id=\"icon-color\">\u003C/path>\n        \u003C/g>\n    \u003C/g>\n\u003C/svg>","\u003Cp>Alte Handyverträge sind oft deutlich teurer als aktuelle Angebote. Mit einem Tarifwechsel können Sie 10-20 € pro Monat sparen. Auch beim Strom- und Gasanbieter lohnt sich der Vergleich: Oft bringt ein Wechsel bis zu 1.000 € Ersparnis pro Jahr. Nutzen Sie Vergleichsportale wie durchblicker.at oder den E-Control Tarifkalkulator.\u003C/p>","\u003Ch3>Handy- und Energiekosten senken\u003C/h3>",{"icon":131,"text":139,"label":140,"__typename":118},{"label":132,"file":133,"__typename":115},"BA200-tv",{"mimeType":109,"directDownloadUrl":134,"downloadUrl":135,"filename":136,"size":137,"content":138,"__typename":48},"https://website-content-service.santanderconsumer.at/storage/69bc154bbe509/ba200tv1.svg","https://website-content-service.santanderconsumer.at/media/download/69bc154bbe509/ba200tv1.svg?token=eyJ0eXAiOiJKV1QiLCJhbGciOiJSUzI1NiJ9.eyJpYXQiOjE3ODIxOTAzMjQsImV4cCI6MTc4MjE5MzkyNCwiZmlsZXN5c3RlbV9zZXJ2aWNlX2lkIjoibG9jYWwiLCJmaWxlbmFtZSI6IjY5YmMxNTRiYmU1MDkvYmEyMDB0djEuc3ZnIn0.CvcyzljPNYryuHjK7vtASZ1Agh9HQahZKInljISYPDZR95BfS7ckYhQJIXpTWohbwBLnUcssTjMTfwRNkXTcq9gvsAkptOYGnWzzAylgo0Z-880HEuBPVuIaeKXvjZ16S3UHrC130zwosGREg4Gw8ATEjrj1re4rS4co4nVPiXJkFWIbyddvBUJ9BydXoAcYe8BQvZl9hwiPMMdJC3hnU_VbOATqywxfTdBAiTp_tlrBlOhHDP2zoqs4DenIWv04S4aMjvVDTrJwhe80uteQSmtrm-s5RivPOYeHb6rWk9kZOcV_3jd6EwtkvQWXE6KDzL4OGvPmyS1jzh7K1Ar6_uysvwpdD1CpSgm2133ckxLU63MTxxywK0ECm0iDSidXlqzHCZ0p1PsF6g731H_S3G5P4woUtoTpXURTVqlyu6ABQipCkZxPmElbpkG4EVSsZlWPsQcn2pNbyS9dkQ8NUzBT3RRdLQcvFm8UNqWLbq57DN-SXrhVFJg7vHTRK2vk5yyYW4PVhGY37uKufz2B2ZGU3n5nbzOGuIrXA-cfOr2yQM4CqRY8YKxjMTNYYHTrb2gBwddZDv5TeITgqWHvABoEnCccL325vLfSIYhwuIJHNCG-5nO7pBXtgAdbqXrwjKTgFqhBCpqpxHoBw_852Kq6TnmuhgWV-3GbzqnR648","69bc154bbe509/ba200tv1.svg",2263,"\u003C?xml version=\"1.0\" encoding=\"UTF-8\"?>\n\u003Csvg viewBox=\"0 0 24 24\" version=\"1.1\" xmlns=\"http://www.w3.org/2000/svg\" xmlns:xlink=\"http://www.w3.org/1999/xlink\">\n    \u003Ctitle>SVG/BA200-tv\u003C/title>\n    \u003Cg id=\"Symbols\" stroke=\"none\" stroke-width=\"1\" fill=\"none\" fill-rule=\"evenodd\">\n        \u003Cg id=\"B.-Digital,--Tech-&-Docs/a.-Devices/BA200-tv-|-DEVICES,-TV,--Smart-TV,-Television,-Televisión\" fill=\"currentColor\" fill-rule=\"nonzero\">\n            \u003Cpath d=\"M14.0760008,2.23500053 C14.222356,2.00083226 14.5308312,1.92964568 14.7649995,2.07600085 C14.973149,2.20609433 15.052523,2.46428264 14.9648019,2.68451559 L14.9239992,2.76499947 L12.9014,5.99993307 L19.9934,6 C21.1015424,6 22.0004,6.89885763 22.0004,8.007 L22.0004,16.006 C22.0004,17.1073487 21.107336,18 20.0054,18 L14.4994,17.9999331 L14.5005072,20.6444202 C15.0633103,20.7103276 15.6108756,20.798332 16.1379057,20.9074819 L16.6154677,21.0135155 C16.8841457,21.0772865 17.0502556,21.3467897 16.9864845,21.6154677 C16.9227135,21.8841457 16.6532103,22.0502556 16.3845323,21.9864845 C15.0472717,21.6690841 13.542398,21.5 11.979,21.5 C10.4341102,21.5 8.94381824,21.6658086 7.61386861,21.9768613 C7.34498253,22.0397492 7.07602658,21.8727547 7.01313869,21.6038686 C6.95025079,21.3349825 7.11724531,21.0660266 7.38613139,21.0031387 C8.05760326,20.8460928 8.76572091,20.7242932 9.49882105,20.6398937 L9.4994,17.9999331 L3.9944,18 C2.89325763,18 2.0004,17.1071424 2.0004,16.006 L2.0004,8.007 C2.0004,6.89876939 2.89834558,6 4.0064,6 L11.0974,5.99993307 L9.07600085,2.76499947 C8.94590737,2.5568499 8.98769872,2.28998869 9.16305564,2.13046603 L9.23500053,2.07600085 C9.4431501,1.94590737 9.71001131,1.98769872 9.86953397,2.16305564 L9.92399915,2.23500053 L11.9994,5.55693307 L14.0760008,2.23500053 Z M13.4994,17.9999331 L10.4994,17.9999331 L10.4991245,20.5491049 C10.8100082,20.5282922 11.1242572,20.5140162 11.4410512,20.5064286 L11.979,20.5 C12.4927445,20.5 13.000856,20.517453 13.4999383,20.5517488 L13.4994,17.9999331 Z M19.9934,7 L4.0064,7 C3.45083572,7 3.0004,7.45084896 3.0004,8.007 L3.0004,16.006 C3.0004,16.5548576 3.44554237,17 3.9944,17 L20.0054,17 C20.5551547,17 21.0004,16.5549605 21.0004,16.006 L21.0004,8.007 C21.0004,7.45114237 20.5492576,7 19.9934,7 Z\" id=\"icon-color\">\u003C/path>\n        \u003C/g>\n    \u003C/g>\n\u003C/svg>","\u003Cp>Im Laufe der Zeit sammelt sich das eine oder andere Streaming-Abo an. Oft zahlen Menschen für mehrere Abos, nutzen sie aber nicht regel­mäßig. Überprüfen Sie, welche Streamingdienste Sie wirklich brauchen, und kündigen Sie ungenutzte Abos. So lassen sich mindestens 10 € pro Monat sparen – Geld, das besser in einen Sparplan investiert ist.\u003C/p>","\u003Ch3>Streaming-Dienste prüfen\u003C/h3>",{"icon":142,"text":150,"label":151,"__typename":118},{"label":143,"file":144,"__typename":115},"BC250-checklist",{"mimeType":109,"directDownloadUrl":145,"downloadUrl":146,"filename":147,"size":148,"content":149,"__typename":48},"https://website-content-service.santanderconsumer.at/storage/69bc153fecb23/bc250checklist1.svg","https://website-content-service.santanderconsumer.at/media/download/69bc153fecb23/bc250checklist1.svg?token=eyJ0eXAiOiJKV1QiLCJhbGciOiJSUzI1NiJ9.eyJpYXQiOjE3ODIxOTAzMjQsImV4cCI6MTc4MjE5MzkyNCwiZmlsZXN5c3RlbV9zZXJ2aWNlX2lkIjoibG9jYWwiLCJmaWxlbmFtZSI6IjY5YmMxNTNmZWNiMjMvYmMyNTBjaGVja2xpc3QxLnN2ZyJ9.e--ZGwAymx9wnqK_Mc6Y9oIzsRmI-l4eXIIaTtRNYXUYVCuur6SC0RN9PD9Q7HgiGGQGxke7zwLzoqZxlVOWYnw7hg2pxed3swwSzN-5_ny0_RnLgYRHr9BQ1ghBU9tSuD-wYeBat6turIr47oUc-yYxXwZP4xfsGfrgLPJWCdZMfbylitWhk5E2juKyEyXHImYO7Oz5U-erMh7xsGkNjVZRoz5s77FaMLu4eyXwLS91d5H8Vw8QV_zekrNZvrR_o6ZxYaEx8vR9HduNhXcvHmlLL7QR3wnhugDJaarLiy2NuXpcM5p948qZsl0zWx1ObT-Hwth7XSlmKbj1c1FVLddmJVV7hbh9L9IV-ynYx58QpBBBaOTH7ELGyb9dXXXBxgrFtkL58cM-00DSNAFUXNkYjtNQWuGJwUx8P9jiZZ9JyKtsteja32LRGvhN3eg-t2EAUM9H9rFE4FuxDe2TT9-xbIe-J16i2lHJy2rBDwGiHZ-vyz7FbP6QwWa8B1uYMHJ-siCWh4iQA7OIIw3tNpGJXYnnEY0qRgI0PvSil5Qyw2P2KRk8B_5VyzDETZW_F-U3VkO0LNLTo5BK6aF4V0xGxMz1l2XaCvj0HzE05FE_kreH7WnWVI_TuHTLbrSrmH9j9Sy7Yz9j1KpnoiG476JDAA6QmrGNCdbb1Y_S1cc","69bc153fecb23/bc250checklist1.svg",4080,"\u003C?xml 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Wer gezielt plant, kann bis zu 25 % seines Einkaufsbudgets sparen. Er­stellen Sie eine Einkaufsliste und halten Sie sich daran. Das schützt nicht nur Ihr Budget, sondern reduziert auch Lebensmittelverschwendung.\u003C/p>","\u003Ch3>Einkaufsplanung statt Spontankäufen\u003C/h3>",{"icon":153,"text":161,"label":162,"__typename":118},{"label":154,"file":155,"__typename":115},"AB113-bag-of-money-taxes",{"mimeType":109,"directDownloadUrl":156,"downloadUrl":157,"filename":158,"size":159,"content":160,"__typename":48},"https://website-content-service.santanderconsumer.at/storage/69bc15343ab49/ab113bagofmoneytaxes1.svg","https://website-content-service.santanderconsumer.at/media/download/69bc15343ab49/ab113bagofmoneytaxes1.svg?token=eyJ0eXAiOiJKV1QiLCJhbGciOiJSUzI1NiJ9.eyJpYXQiOjE3ODIxOTAzMjQsImV4cCI6MTc4MjE5MzkyNCwiZmlsZXN5c3RlbV9zZXJ2aWNlX2lkIjoibG9jYWwiLCJmaWxlbmFtZSI6IjY5YmMxNTM0M2FiNDkvYWIxMTNiYWdvZm1vbmV5dGF4ZXMxLnN2ZyJ9.GbEXY411SX2x4UYgvyuLulUlsq6cJ1AFG7fNubF7FVHBA3YySbsDPbacaT2_sS6fm6N2LZaHSK5R2APS6f98dVitrPfSZFZbpao-spUxSs6OcVQHE1EdmxtXeGA2b4I4dHbK_d6-nt0eQq1PSyoMXPa5ucC3QPbKjpPmlyWUy7i1pmk0a5fYAVljYEGnNfiDga2Utd0YVU26U_uWNBFMr40DHmy3B5CXHvdUvUwxOQgkHPzobYDHorpZB-zkjmBx2pscUZs65D9Db6Ei9zrrTY37RccFjC5aj7U-xmKJX0eYExMH5ZKh7p5FPr1zMA2FS3_QgArqqZouuucC4Gu-wPxzBtQWKRlBN8tCaITugfa6LMQTI4c2iEcnmSKIWBZ7JZ8JITGHO_MtNXNFwbPF9LxkB7uXqHEaKNULbvW3FQxXM-em0y3vH40QDwWgaFC7G-p530h94sJQXjLdS1mpdIzfzmsHBxyhATSuwcJVNczCDhki6BHZRohhqB_G5nEDgxvfRKV7sEx6cnO5JSH0Kvb5zdYec5s_mglqmo6hGQm1q9TY1-bhyZ0s8X0lLYjXHzkJTT-fg1i9U-DH3jWkBhAR3N402TPwWytUuE0YAWT_S_FhMEpVBlrRqFhsdaHxYLHKnEskv42Ll-3996cLUGIm6AECmGlzQBzoh0umjpU","69bc15343ab49/ab113bagofmoneytaxes1.svg",3035,"\u003Csvg viewBox=\"0 0 24 24\" fill=\"none\" xmlns=\"http://www.w3.org/2000/svg\">\n\u003Cpath d=\"M14.1677 2.40144L13.4782 2.60409L13.0026 2.74036C12.6181 2.84522 12.269 2.92207 11.9966 2.9239C11.7349 2.94619 11.3169 2.83958 10.8631 2.7069L10.0479 2.46495L9.6049 2.33775L9.16572 2.22079C8.14898 1.96567 7.20073 1.85544 6.58328 2.31891C6.20998 2.59863 6.02089 3.03462 6.02089 3.61413C6.02089 5.09003 7.21355 5.98331 8.17808 6.46551L8.44622 6.59225C5.82905 8.69661 4 12.6506 4 16.4125C4 20.1199 6.69126 22 11.9995 22C17.3083 22 20 20.1199 20 16.4125C20 12.6501 18.1706 8.69612 15.5526 6.59286C16.5473 6.14891 17.9791 5.23126 17.9791 3.61413C17.9791 3.03511 17.79 2.59912 17.4167 2.3194C16.8434 1.88803 15.9825 1.95224 15.0466 2.16856L14.6102 2.27795L14.1677 2.40144ZM9.66677 6.94722H14.3315L14.5618 7.10263C17.1507 8.92376 18.9993 12.7577 18.9993 16.4125C18.9993 19.4972 16.7097 20.9967 11.9995 20.9967C7.28981 20.9967 5.00067 19.4972 5.00067 16.4125C5.00067 12.6513 6.95871 8.69943 9.66677 6.94722ZM10.2407 3.56707L10.7364 3.70665C11.2205 3.83659 11.6624 3.93075 11.9966 3.92716C12.4085 3.94202 12.9346 3.80782 13.5062 3.64142L14.3726 3.38655L14.9526 3.22686C15.7337 3.02495 16.5078 2.89166 16.8172 3.1223L16.8537 3.15389C16.9051 3.20679 16.9784 3.32571 16.9784 3.61413C16.9784 4.68322 15.8897 5.35044 15.1195 5.68858L14.8632 5.79437C14.8235 5.80977 14.7854 5.82405 14.7493 5.83724L14.5584 5.90338L14.4284 5.94396H9.57259L9.35524 5.87267L9.13957 5.79247C8.3852 5.49641 7.02156 4.79736 7.02156 3.61413C7.02156 3.32533 7.09486 3.20632 7.14629 3.15364L7.1828 3.1223C7.46576 2.91025 8.13823 3.00461 8.84837 3.17727L9.23734 3.27783L9.62109 3.3857L10.2407 3.56707Z\" fill=\"currentColor\"/>\n\u003Cpath d=\"M16.4869 16.1899C16.4138 15.2932 15.6603 14.5855 14.7446 14.5855C13.7817 14.5855 12.9976 15.3696 12.9976 16.333V16.8379L13.0034 16.981C13.0764 17.8777 13.8299 18.5855 14.7446 18.5855C15.7085 18.5855 16.4927 17.8013 16.4927 16.8379V16.333L16.4869 16.1899ZM14.6274 11.2793C14.8228 11.085 15.1392 11.084 15.3345 11.2803C15.5081 11.4539 15.5274 11.7232 15.3923 11.9181L15.3345 11.9873L9.35791 17.9522C9.26025 18.0493 9.13232 18.0982 9.00439 18.0982C8.87646 18.0982 8.74854 18.0493 8.65088 17.9512C8.47727 17.7776 8.45798 17.5083 8.59301 17.3134L8.65088 17.2442L14.6274 11.2793ZM14.0044 16.2317C14.0539 15.8673 14.3669 15.5855 14.7446 15.5855C15.1567 15.5855 15.4927 15.9209 15.4927 16.333V16.8379L15.4858 16.9392C15.4362 17.3036 15.1224 17.5855 14.7446 17.5855C14.3325 17.5855 13.9976 17.25 13.9976 16.8379V16.333L14.0044 16.2317ZM9.25537 10.5855C10.1701 10.5855 10.9236 11.2932 10.9966 12.1899L11.0024 12.333V12.8379C11.0024 13.8013 10.2183 14.5855 9.25537 14.5855C8.3397 14.5855 7.58619 13.8777 7.51313 12.981L7.50732 12.8379V12.333C7.50732 11.3696 8.2915 10.5855 9.25537 10.5855ZM8.51417 12.2317L8.50732 12.333V12.8379C8.50732 13.25 8.84326 13.5855 9.25537 13.5855C9.63314 13.5855 9.94608 13.3036 9.99561 12.9392L10.0024 12.8379V12.333C10.0024 11.9209 9.66748 11.5855 9.25537 11.5855C8.8776 11.5855 8.56384 11.8673 8.51417 12.2317Z\" fill=\"currentColor\"/>\n\u003C/svg>\n","\u003Cp>Lockangebote wie „Nur heute“ oder „Letzte Chance“ verleiten oft zu unnötigen Käufen. Prüfen Sie Preise sorgfältig und überlegen Sie vor dem Kauf, ob Sie den Artikel wirklich brauchen. Vermeiden Sie Frustkäufe – das spart Geld und verhindert Fehlkäufe.\u003C/p>","\u003Ch3>Nicht in die Schnäppchen-Falle tappen\u003C/h3>","left","696762e3405b0",{"__typename":11,"text":166,"textOverlay":13,"height":14,"width":15,"marginBottom":17,"marginTop":17,"anchorSlug":167,"anchorTitle":167},"\u003Ch2>Langfristig sparen mit System und Planung\u003C/h2>\u003Ch3>50-30-20 Regel einfach erklärt\u003C/h3>\u003Cp>Bei der finanziellen Planung bzw. Vorsorge gibt es verschiedene Möglichkeiten. Eine bewährte Methode ist die 50-30-20-Regel. Damit unterteilen Sie Ihre Ausgaben nach unterschiedlichen Kriterien bzw. nach Ihrem Nettoeinkommen folgendermaßen:\u003C/p>\u003Cul>\u003Cli>\u003Cstrong>50 % wenden Sie für notwendige Ausgaben auf:\u003C/strong> Darunter fallen Miete oder Kreditraten, Kosten für Strom, Wasser, Heizung, Ausgaben für Lebensmittel oder Versicherungen (z.B. Haftpflicht, Krankenversicherung) sowie Mobilität (öffentliche Verkehrsmittel oder Auto).\u003C/li>\u003Cli>\u003Cstrong>30 % reservieren Sie für Ihre Wünsche:\u003C/strong> Für Essen gehen, Café, Kino, Kleidung (außer die nötige Bekleidung), Streamingdienste, Urlaube, Hobbies und Unterhaltung, aber auch Fitnesscenter. In dieser Kategorie kann vieles sein, muss aber nicht. Natürlich können Sie umschichten, um für gewisse Wünsche mehr Kapital zu haben.\u003C/li>\u003Cli>\u003Cstrong>20 % legen Sie für Sparen oder Sparziele zurück:\u003C/strong> Darunter fallen Rücklagen für den Notgroschen, für die Altersvorsorge, das Ansparen für Wünsche wie eine neue Küche, ein neues E-Bike oder einen Immobilienkauf, aber auch Geld anlegen in smarte Investmentprodukte. Wer hier besonders konsequent agiert, schafft langfristig einen großen finanziellen Hebel.\u003C/li>\u003C/ul>","ub6",{"__typename":169,"image":170,"layout":15,"imageCustomCaptionText":13,"hideOnMobile":49,"hideCaption":49,"lazyload":181,"height":14,"width":15,"marginBottom":17,"marginTop":17,"anchorSlug":182,"anchorTitle":182,"imagePositionHorizontal":21,"imagePositionVertical":21,"calculatedImageCustomAltText":21},"ImageBlock",{"id":171,"file":172,"hasMediaSchedules":49,"uuid":179,"alt":21,"title":180,"caption":21,"__typename":51},"2869",{"mimeType":173,"directDownloadUrl":174,"downloadUrl":175,"imageHeight":176,"imageWidth":177,"filename":178,"__typename":48},"image/png","https://website-content-service.santanderconsumer.at/storage/69d8b2eea73ae/503020.png","https://website-content-service.santanderconsumer.at/media/download/69d8b2eea73ae/503020.png?token=eyJ0eXAiOiJKV1QiLCJhbGciOiJSUzI1NiJ9.eyJpYXQiOjE3ODIxOTAzMjQsImV4cCI6MTc4MjE5MzkyNCwiZmlsZXN5c3RlbV9zZXJ2aWNlX2lkIjoibG9jYWwiLCJmaWxlbmFtZSI6IjY5ZDhiMmVlYTczYWUvNTAzMDIwLnBuZyJ9.c7L83CcJQDicpFjjHsvLXRr4bNSNDeS2SadcFGSc5YHDVuvGufZLHXboMV6J1lfVt8QP9EeDYmqtf7JobPySmt-3uLNbPL9PFD5iUeX5223Xvi5wbFz_AIs2j_iCN7ecrIxczS-kvxaxJIbA73Av_YozTCIpxNVy3gjGgcvBjGk3-X3jmUVgRQCbSt2nvoVRF6xioMVZTRdWQSMgO00W6OLwxhV4phW6A7GBA61ICfAtgIeM0ktT6lHYllLSXPPyAY0wyh40znW7HDJVhbahfYnoJCuYI_ayjhcqWNtYcg_GS2Y-S0XpQlV8Q3iwj0eIJTaSUpWj_7X4S80CKp7zCcJw7DHXsmrpbHQdbeOSaZP4X9LoQNS0mNofKmZGGow7-Kl2-VYAsBZ3BwhqnTLQz8Eo5Vs9hVz0sm4Nl3T5sVtKnnZCkeWAtOWK34TqIpVf8OFqcpRlxMO1PvuVIRvE-eZKYkB4Lbp5DaJFK8E18vbK_C3OqjgVeie1woPPrt_daahCOT8PdN4dTQxh6EEoja-jwG2Ey8xWKn_PHHpFwrflFzCwUo5J6VFs_P-TYT41C4Snk59G6wiupcywYNOwtZHS1WH5-2kobaUJrvG82s0_RY1qDMvwrWBp9XV0eS2Qml9RgXM5C3_EoOmOTOMKWi5EDC3PlW7Zm1fetjqER7g",2555,4609,"69d8b2eea73ae/503020.png","019a0aaf-59d9-70fc-b95e-aae135560f92","50-30-20-Regel",true,"68f87f187037e",{"__typename":11,"text":184,"textOverlay":13,"height":14,"width":15,"marginBottom":16,"marginTop":17,"anchorSlug":185,"anchorTitle":185},"\u003Cp>\u003Cstrong>Beispiel:\u003C/strong> Bei 2.000 € Nettoeinkommen entfallen 1.000 € auf Fixkosten, 600 € auf Wünsche und 400 € aufs Sparen. Je nach Einkommen kann die Aufteilung variieren – entscheidend ist, regelmäßig Rücklagen zu bilden und den Überblick über die Finanzen zu behalten.\u003C/p>\u003Ch3>Micro-Habits: Kleine Schritte, große Wirkung\u003C/h3>\u003Cp>Sparen gelingt leichter, wenn Sie Routinen entwickeln. Micro-Habits sind kleine, feste Gewohnheiten mit großer Wirkung.\u003C/p>\u003Cp>\u003Cstrong>Beispiele:\u003C/strong>\u003C/p>\u003Cul>\u003Cli>\u003Cstrong>Tägliche 1 € Regel:\u003C/strong> Jeden Tag 1 € zur Seite legen – macht 365 € pro Jahr.\u003C/li>\u003Cli>\u003Cstrong>Ausgaben tracken:\u003C/strong> Nach jedem Einkauf kurz notieren, wofür Sie Geld ausgegeben haben. So erkennen Sie Einsparpotenziale.\u003C/li>\u003Cli>\u003Cstrong>Bewusst verzichten:\u003C/strong> Statt Coffee-to-go, besser Kaffee zuhause zubereiten und 3 € sparen – das summiert sich schnell.\u003C/li>\u003C/ul>\u003Ch3>5-Sekunden-Regel vor jedem Kauf\u003C/h3>\u003Cp>Es geht immer um Kosteneffizienz – also um das, was man braucht, was man sich wünscht und was man eigentlich nur kauft, weil man es eben haben möchte, ohne daraus großen oder anhaltenden Nutzen zu ziehen. Da kann es auch helfen, sich im Shop vor jedem Kauf fünf Sekunden Zeit zu gönnen und sich zu fragen: Brauche ich das wirklich? Wenn nein – liegen lassen! \u003C/p>\u003Cp>Wenn Sie zu den visuellen Typen gehören, können Sie sich eine Spar-Idee auf Ihren Kühlschrank oder Ihre Türe kleben. Geben Sie sich selbst ein Sparmotto für die Woche, also etwa: Nur 1x die Woche Coffee-to-go kaufen.\u003C/p>\u003Ch3>Automatische Sparpläne nutzen\u003C/h3>\u003Cp>Automatismen helfen dabei, sich auf unaufgeregte Weise nach und nach ein schönes Sümmchen zusammenzusparen. Ein wichtiger Weg dorthin sind fixe Sparpläne. Einfach gesagt, senden Sie hier per Dauerauftrag jeweils am Monatsanfang eine gewisse Summe auf Ihr Sparkonto, Ihren Bausparvertrag, Ihr Depot oder Ihr Rücklagenkonto, aber vielleicht auch schon als Vorsorge für Ihre Pension. Als ideale Sparsumme nennen Experten und Expertinnen hier Werte zwischen 50 und 200 € – das hängt natürlich von den individuellen Möglichkeiten ab. Steigt Ihr Gehalt, sollten Sie das Sparvolumen erhöhen.\u003C/p>\u003Cp>Wenn Sie nicht allzu langfristig denken möchten, können Sie sich auf diese Weise auch ganz bestimmte temporäre Sparziele setzen. Also beispielsweise: Ich möchte in fünf Jahren ein neues Auto anzahlen oder Küchenmöbel kaufen. Wenn Sie ein klares Sparziel vor Augen haben, auf das Sie hinarbeiten wollen, fällt es leichter.\u003C/p>","68f1f0b78f687",{"__typename":11,"text":187,"textOverlay":13,"height":14,"width":15,"marginBottom":17,"marginTop":17,"anchorSlug":188,"anchorTitle":188},"\u003Ch3>Sparen nach der SMART-Methode\u003C/h3>\u003Cp>Um ein konkretes Sparziel zu erreichen, gibt es verschiedene Methoden. Ein einfaches und sinnvolles Instrument ist die „SMART“-Methode. Die Abkürzung steht für „Spezifisch, Messbar, Attraktiv, Realistisch und Terminiert“. Die Wurzeln dieser Methode liegen übrigens in der Arbeitswelt bzw. in der Unternehmensorganisation, aber sie sind gut für den finanziellen Alltag anwendbar. Ein Beispiel für die SMART-Methode:\u003C/p>","68f1f0b78f6a7",{"__typename":20,"backgroundImage":21,"content":190,"theme":282,"imagePositionHorizontal":21,"imagePositionVertical":21,"imageMobilePositionHorizontal":21,"imageMobilePositionVertical":21,"mobileBackgroundDisplay":21,"height":14,"width":15,"marginBottom":16,"marginTop":17,"anchorSlug":283,"anchorTitle":284},[191,216,234,250,266],{"__typename":192,"layout":193,"horizontalAlignment":213,"verticalAlignment":214,"height":14,"width":15,"marginBottom":16,"marginTop":17,"anchorSlug":215,"anchorTitle":215},"LayoutBlock",{"type":194,"left":195,"center":21,"right":208,"centerLeft":21,"centerRight":21,"__typename":212},"union_columns_6_18",[196],{"__typename":169,"image":197,"layout":206,"imageCustomCaptionText":13,"hideOnMobile":181,"hideCaption":49,"lazyload":181,"height":14,"width":15,"marginBottom":17,"marginTop":17,"anchorSlug":207,"anchorTitle":207,"imagePositionHorizontal":21,"imagePositionVertical":21,"calculatedImageCustomAltText":13},{"id":198,"file":199,"hasMediaSchedules":49,"uuid":204,"alt":21,"title":205,"caption":21,"__typename":51},"3049",{"mimeType":173,"directDownloadUrl":200,"downloadUrl":201,"imageHeight":202,"imageWidth":202,"filename":203,"__typename":48},"https://website-content-service.santanderconsumer.at/storage/69d8b3cfa8828/smart_s.png","https://website-content-service.santanderconsumer.at/media/download/69d8b3cfa8828/smart_s.png?token=eyJ0eXAiOiJKV1QiLCJhbGciOiJSUzI1NiJ9.eyJpYXQiOjE3ODIxOTAzMjQsImV4cCI6MTc4MjE5MzkyNCwiZmlsZXN5c3RlbV9zZXJ2aWNlX2lkIjoibG9jYWwiLCJmaWxlbmFtZSI6IjY5ZDhiM2NmYTg4Mjgvc21hcnRfcy5wbmcifQ.Y4AYdx-3pmXSjSD0pFF4uDyzbORijjbRLFR0hpGbTf9pnviCW4oOJFduw1gTqEpYMP2zhUTzbXVM8grxiT7rtfbuGie0SQhJDQC3OKkus7NDvBhvsjLbuOZkG0b0eep9jjU7cNt_5YKbzN9hvlK2pjeGPMW0yEyAkRAAW8AIrbOE9pelZ_7I6QTGLeZ6v2PbtUmnp0zw1fQ3jIhrjMp5TM6gE_ypQx2TZqrH-fieXp4I1HXuqo1WCg5y4TZqnz444KN4mDUzD3Ekqu_rCci-xfGWJUlE-gnjWkXfEPv3rcZmGh7SALRqxbGd59hzuP9MtQtOheTuV78JQ_LzebsaImSDL4Y2h2ysG3Yj41n_Q-KO_IFmZbSfa0se1nC0n3Po9MQe6JD5hQV1Ocbry_tilTnl3qbcZtCK-khzHAhqAoo_9g8fYxlzk9RPvn3dHpouI25zwb75Nubrf7i4PV5S6TBo8EIe8WySNJxEU4dhYrCjQH-FXZuQuGlr1yTbgXzugpWX-c9Lqe43Ix5LDRfSmB1xOT1iNWvgnYCwX7-MB-qxx2RIy_RmVMYYtPGEEtJr54-OTPxFHDMomGbp61VwvCH7XhB-28EzT_ClXCRP8HouXEux95wpyP_4dHCU2ztl2rqCZLzZNYffRZF_3QzRVa4FHhUmDugNBqdIYGFVqyw",105,"69d8b3cfa8828/smart_s.png","019a4e89-bb06-7281-ae6d-f22068435b46","SMART_S","original","68f8c58449af5",[209],{"__typename":11,"text":210,"textOverlay":13,"height":14,"width":15,"marginBottom":17,"marginTop":17,"anchorSlug":211,"anchorTitle":211},"\u003Cp>\u003Cspan class=\"mb red\">\u003Cstrong>S\u003C/strong>\u003C/span>\u003Cstrong>PEZIFISCH – Was will ich erreichen, was ist mein Ziel?\u003C/strong>\u003C/p>\u003Cp>10.000 € für ein neues Auto als Anzahlung zu haben.\u003C/p>","68fa104163bba","Layout","justify-between","items-center","68fa288a1cbb8",{"__typename":192,"layout":217,"horizontalAlignment":213,"verticalAlignment":214,"height":14,"width":15,"marginBottom":16,"marginTop":17,"anchorSlug":233,"anchorTitle":233},{"type":194,"left":218,"center":21,"right":229,"centerLeft":21,"centerRight":21,"__typename":212},[219],{"__typename":169,"image":220,"layout":206,"imageCustomCaptionText":13,"hideOnMobile":181,"hideCaption":49,"lazyload":181,"height":14,"width":15,"marginBottom":17,"marginTop":17,"anchorSlug":228,"anchorTitle":228,"imagePositionHorizontal":21,"imagePositionVertical":21,"calculatedImageCustomAltText":13},{"id":221,"file":222,"hasMediaSchedules":49,"uuid":226,"alt":21,"title":227,"caption":21,"__typename":51},"3050",{"mimeType":173,"directDownloadUrl":223,"downloadUrl":224,"imageHeight":202,"imageWidth":202,"filename":225,"__typename":48},"https://website-content-service.santanderconsumer.at/storage/69d8b3a96d8d6/smart_m.png","https://website-content-service.santanderconsumer.at/media/download/69d8b3a96d8d6/smart_m.png?token=eyJ0eXAiOiJKV1QiLCJhbGciOiJSUzI1NiJ9.eyJpYXQiOjE3ODIxOTAzMjQsImV4cCI6MTc4MjE5MzkyNCwiZmlsZXN5c3RlbV9zZXJ2aWNlX2lkIjoibG9jYWwiLCJmaWxlbmFtZSI6IjY5ZDhiM2E5NmQ4ZDYvc21hcnRfbS5wbmcifQ.e3WW8H7rEFOKuTTrrsZCOjDuM3LbGCAd5ZPHkLndoBRYFJ17mR3vLMzH3Dafz92e9TbNhi2LmUDnOcrc_OdlWNCQt5BYSM5sDFxgOIOWeUavEQQRR8JPKx61y3Sx_EjgbFpc8D5qr2OZpJPD0cTvsFak620U74bjftU2Oljof6-iDCKpQCng03xDPSA4_zcViNW_X_cRv21LiCkAC9sBYPM2o0sUgYE_9IvXcB-TL2sAY2nzEcKG27gtkNat7NY8Vs6_TJTxO0FLljb90778uFreQaVerrOzH9HksKCzQI_CBmmTji_2Z1QjhraeuWt6SZTQVMOoi8vP8BMZ4piHTMjJ5Zpp4tHOyAywH0iVQoQ3EK3r9PQEY4FWoa-g1REZqfNZALH0rpt804xFF4UNdDtAFfo7EiJj1a7wwReX6kNJI56BUsqKQ5G-7Z31KqG9NVtaXr_SJXXG4HiC8zCWC0legX2n1jhBrRHYHU3ptnSqkDNgb8cwrUamYzlA8E6fvVBJxnk65UoINjgsLuMn5iI0UNp4P308Qqm8KrAIJzYIdu3YuQiuxtsRbE_qQgHKyvyI5dIVs9DzsF2zUwCuCPUBE8DiRVFpqrKEJo1tILXEObm_hmwYYCL-f-rePWESd-xpTnxUDuATd_9cvycHPp1TYh3jONkDxMko2vkbPO8","69d8b3a96d8d6/smart_m.png","019a4e8a-0929-79d2-8a1f-e86fcde2fb08","SMART_M","68f8c58449b0e",[230],{"__typename":11,"text":231,"textOverlay":13,"height":14,"width":15,"marginBottom":17,"marginTop":17,"anchorSlug":232,"anchorTitle":232},"\u003Cp>\u003Cspan class=\"mb yellow\">\u003Cstrong>M\u003C/strong>\u003C/span>\u003Cstrong>ESSBAR – Wie viel brauche ich dafür?\u003C/strong>\u003C/p>\u003Cp>Ich spare 210 € im Monat.\u003C/p>","68f8c58449b13","m1",{"__typename":192,"layout":235,"horizontalAlignment":213,"verticalAlignment":214,"height":14,"width":15,"marginBottom":16,"marginTop":17,"anchorSlug":249,"anchorTitle":249},{"type":194,"left":236,"center":21,"right":246,"centerLeft":21,"centerRight":21,"__typename":212},[237],{"__typename":169,"image":238,"layout":206,"imageCustomCaptionText":13,"hideOnMobile":181,"hideCaption":49,"lazyload":181,"height":14,"width":15,"marginBottom":17,"marginTop":17,"anchorSlug":228,"anchorTitle":228,"imagePositionHorizontal":21,"imagePositionVertical":21,"calculatedImageCustomAltText":13},{"id":239,"file":240,"hasMediaSchedules":49,"uuid":244,"alt":21,"title":245,"caption":21,"__typename":51},"3051",{"mimeType":173,"directDownloadUrl":241,"downloadUrl":242,"imageHeight":202,"imageWidth":202,"filename":243,"__typename":48},"https://website-content-service.santanderconsumer.at/storage/69d8b3c635515/smart_a.png","https://website-content-service.santanderconsumer.at/media/download/69d8b3c635515/smart_a.png?token=eyJ0eXAiOiJKV1QiLCJhbGciOiJSUzI1NiJ9.eyJpYXQiOjE3ODIxOTAzMjQsImV4cCI6MTc4MjE5MzkyNCwiZmlsZXN5c3RlbV9zZXJ2aWNlX2lkIjoibG9jYWwiLCJmaWxlbmFtZSI6IjY5ZDhiM2M2MzU1MTUvc21hcnRfYS5wbmcifQ.SEx3vAgCfix5RgZqDpoTe3YOsSOtzUGVmZ6kWMchNQetNm78Oqeo8eCva6fj24Ic_Ku-2VnedoCrbzza_ZegJW44r2JxQM3_moW6Hjiym8OFPB4LbNMYKUunCafp3h2GQaqRUPaLBfQTfw7inHkh2_KiuL4dzc692XjnFyEu3t4L24KVAQu919zZgQgVsNPCbdMYzBqjg7vzXDfAweMBm1PE_DLQgibCYW7JeQCBozBu7KsMkB2AX63mg6RRmhe-UJNDx2JoqjpX39t7zquox3y-q0tmmcbWCDUwwIrqj2ItIgqE90h_VewxLGXmTSYLfLtJqebsh0ZaUxOKb0kaOs5F66Ce9csxsuQBNEU3TBgSvqU6DwZUov1j4oTTP_d4VvFrsg_Kt4RQgUx8qJBgSyqJ1muS-KcYhTvv57AemTDzoW9WZwzPuQRqY07yM_GQ-UTWEnZUzK_S05rPR_7rLSB3Oh8Q7FhLHe6tzi-Mgcqc2-giYK18D430nYWfLlNcH7X_k6JcYtxWXq4yKUWkbSpbSLQWEC9n5S3GuCJTNjY821pXHe1LEaw0jJ4pGVlvORi1xPDt62J6KSRouv3aZHrHXVAx6MdneQu0doVQRVUmhX-R5CfD-zYn_TCnL1ZRdSZhE1zt_bAI2TMPLjDv2EHp5UTqi-sfZYs_emGD9_M","69d8b3c635515/smart_a.png","019a4e8a-4bbf-7674-aee5-6e5da7ec044b","SMART_A",[247],{"__typename":11,"text":248,"textOverlay":13,"height":14,"width":15,"marginBottom":17,"marginTop":17,"anchorSlug":232,"anchorTitle":232},"\u003Cp>\u003Cspan class=\"mb blue\">\u003Cstrong>A\u003C/strong>\u003C/span>\u003Cstrong>TTRAKTIV – Ist mir das Ziel wirklich wichtig?\u003C/strong>\u003C/p>\u003Cp>Ja! Ich brauche ein gutes Auto für meine Arbeits-und Freizeitwege.\u003C/p>","a1",{"__typename":192,"layout":251,"horizontalAlignment":213,"verticalAlignment":214,"height":14,"width":15,"marginBottom":16,"marginTop":17,"anchorSlug":265,"anchorTitle":265},{"type":194,"left":252,"center":21,"right":262,"centerLeft":21,"centerRight":21,"__typename":212},[253],{"__typename":169,"image":254,"layout":206,"imageCustomCaptionText":13,"hideOnMobile":181,"hideCaption":49,"lazyload":181,"height":14,"width":15,"marginBottom":17,"marginTop":17,"anchorSlug":228,"anchorTitle":228,"imagePositionHorizontal":21,"imagePositionVertical":21,"calculatedImageCustomAltText":13},{"id":255,"file":256,"hasMediaSchedules":49,"uuid":260,"alt":21,"title":261,"caption":21,"__typename":51},"3052",{"mimeType":173,"directDownloadUrl":257,"downloadUrl":258,"imageHeight":202,"imageWidth":202,"filename":259,"__typename":48},"https://website-content-service.santanderconsumer.at/storage/69d8b3bb309fe/smart_r.png","https://website-content-service.santanderconsumer.at/media/download/69d8b3bb309fe/smart_r.png?token=eyJ0eXAiOiJKV1QiLCJhbGciOiJSUzI1NiJ9.eyJpYXQiOjE3ODIxOTAzMjQsImV4cCI6MTc4MjE5MzkyNCwiZmlsZXN5c3RlbV9zZXJ2aWNlX2lkIjoibG9jYWwiLCJmaWxlbmFtZSI6IjY5ZDhiM2JiMzA5ZmUvc21hcnRfci5wbmcifQ.fXh53t7nPVM8dzR_SGTC8CW-cpqkM7gfqKiHw6L4R6HHq-d1-voZ8mYzmFdd-zqlWhqkLoU3HYtX_G6lw1rY4bsf_YJE897xt7HRuhZNB19p4NTziu1FAT2oDiTYhxAGsAHEw8KQ7xpMN5jBG1aV9zlBTBhGwCHYeU7ewho7_QwTgB0TX9vLSt5wQKROkaz0hIyuFlYp20aCAbsT1-jeJKnHtds85ty_NQzErXw531DogtR1DfBuXXNkGRjq3ZUehP1coq-zhAIjtXiZ1hEKAHSJcPwvqFMZfJzSQCveM3QaRfVyotoR7_UNoQPDkTmGhlTtuViR6ILylHQ7ELtBn5siz2GAm3SrNYbVQXFEnH_E_ibbS-NrfanV5r6ADTH6Z2FPLcAKRWuxEqoBueiJZaXW50CX0gKM5uXFtB7nfUQ9J0jZkQnuJJF75JHb66g-_qe6QU5OvMml3fTW-fBazIv7jklUHSjPTUnFiQNOU6yJ_s8vN5ot_qJNNiqDhqcPGA6MI5U_LK8zgy9AXr3yOWtWDxfC-bQWPbFdkrIw0CyfAAjhGHrr7_gRGOkPoQ5bOQD1JcIDOlf2Wcaqc6tv0u4pLHn9f7BtSMPNvnv5qQBtxLuIflJJirndL-z67icibufmF89CzYP90GyjFGKNxSgnf93ICdaglU4NUv27e7Y","69d8b3bb309fe/smart_r.png","019a4e8a-8832-7573-acd8-7faea1d6b096","SMART_R",[263],{"__typename":11,"text":264,"textOverlay":13,"height":14,"width":15,"marginBottom":17,"marginTop":17,"anchorSlug":232,"anchorTitle":232},"\u003Cp>\u003Cspan class=\"mb green\">\u003Cstrong>R\u003C/strong>\u003C/span>\u003Cstrong>EALISTISCH  – Ist das Sparziel realistisch bei meinem Einkommen?\u003C/strong>\u003C/p>\u003Cp>Ich verdiene genug, um 10 % davon auf die Seite zu legen.\u003C/p>","r1",{"__typename":192,"layout":267,"horizontalAlignment":213,"verticalAlignment":214,"height":14,"width":15,"marginBottom":16,"marginTop":17,"anchorSlug":281,"anchorTitle":281},{"type":194,"left":268,"center":21,"right":278,"centerLeft":21,"centerRight":21,"__typename":212},[269],{"__typename":169,"image":270,"layout":206,"imageCustomCaptionText":13,"hideOnMobile":181,"hideCaption":49,"lazyload":181,"height":14,"width":15,"marginBottom":17,"marginTop":17,"anchorSlug":228,"anchorTitle":228,"imagePositionHorizontal":21,"imagePositionVertical":21,"calculatedImageCustomAltText":13},{"id":271,"file":272,"hasMediaSchedules":49,"uuid":276,"alt":21,"title":277,"caption":21,"__typename":51},"3053",{"mimeType":173,"directDownloadUrl":273,"downloadUrl":274,"imageHeight":202,"imageWidth":202,"filename":275,"__typename":48},"https://website-content-service.santanderconsumer.at/storage/69d8b3b30281d/smart_t.png","https://website-content-service.santanderconsumer.at/media/download/69d8b3b30281d/smart_t.png?token=eyJ0eXAiOiJKV1QiLCJhbGciOiJSUzI1NiJ9.eyJpYXQiOjE3ODIxOTAzMjQsImV4cCI6MTc4MjE5MzkyNCwiZmlsZXN5c3RlbV9zZXJ2aWNlX2lkIjoibG9jYWwiLCJmaWxlbmFtZSI6IjY5ZDhiM2IzMDI4MWQvc21hcnRfdC5wbmcifQ.gTJr1iM1E8BOBdX4cNBrknfwx1L-8BPqOASO4ibzp9ecL3HctMhTnr1hLd0k6Gx4Mp8p4qdNKVNk3V5NHH7V1eBjT7TeuyoNf-Dcs2AM2IX7Tc8zlXTxrc3tWo45wLliqcOn9iMKAMjDnTkk1J8RON_pBZcjxcfXur23RMHuycs4vc4Cyue-9PgZ2AwTxLGZDgN7oXhhAIEHgQD6HBLOZpwJ422_v-izOIeUvOjXjISpomAQg6WpzaJ-SHC_ikECfihKBwHN-HlRxRZue_RwlJ6ZUfNQsAs3SNiI5Bh0XUpLfz_ZsVC0M3zcQuktJALEJ1nvQ8Y_UWULx5CYdryeZ5D_Gk9TJpeTr6LCCO1BKfQciCj-lgTRnePo94Wt8vE088FxI5IZ3GURAZKVCP1YvY5V8RU698YWngJGbF7KI3h7DeDCqpti7kgDdWhLQvdOMZWHytB7KnOpD2quki74Unqo6zNNDDYce68mIuZXsLq4S7Te7BOgOqtTYp-ORbfyMiprk1gOJ3oVibN-YqB5yWQA3BNM3MRDkN1Mr0gpeeyN8xBNieng9qtRbJZdcVpM7KvIb4-lm2pmhwOq5xFpycPsRgWB5uy9K1z29Gp-_41HMT70L8qqqCl4X0mlvP7cMAro22ApPXZoRUuha8DLHg47IjFPq7IxxZ7uC9e7kFk","69d8b3b30281d/smart_t.png","019a4e8a-d463-78cd-8eff-93c0d992ca20","SMART_T",[279],{"__typename":11,"text":280,"textOverlay":13,"height":14,"width":15,"marginBottom":17,"marginTop":17,"anchorSlug":232,"anchorTitle":232},"\u003Cp>\u003Cspan class=\"mb purple\">\u003Cstrong>T\u003C/strong>\u003C/span>\u003Cstrong>ERMINIERT – Bis wann will ich mein Ziel erreicht haben?\u003C/strong>\u003C/p>\u003Cp>In 4 Jahren möchte ich soweit sein.\u003C/p>","t1","white","container-smart","container_smart",{"__typename":11,"text":286,"textOverlay":13,"height":14,"width":15,"marginBottom":16,"marginTop":17,"anchorSlug":287,"anchorTitle":287},"\u003Cp>Manchmal kann es sinnvoll sein, einen Wunsch durch eine Finanzierung zu realisieren. Dabei wendet man sich am besten an einen Bankberater oder Bankberaterin oder checkt direkt online die \u003Ca href=\"/kredit\">Kreditangebote\u003C/a> bei Ihrer Bank. Und manchmal soll es auch schnell gehen mit einem \u003Ca href=\"/glossar/sofortkredit\">Sofortkredit\u003C/a>.\u003C/p>\u003Ch3>Mehr Überblick mit verschiedenen Konten\u003C/h3>\u003Cp>In einer klugen Finanzplanung macht es sich bezahlt, nicht alles in einen Topf zu werfen. Es ist ratsam, mehrere Konten zu haben, um eine bessere Übersicht zu gewährleisten.\u003C/p>\u003Cp>\u003Cstrong>Zum Beispiel:\u003C/strong>\u003C/p>\u003Cul>\u003Cli>Girokonto für laufende Ausgaben\u003C/li>\u003Cli>Sparkonto für Rücklagen\u003C/li>\u003Cli>Freizeit- und Urlaubskonto\u003C/li>\u003Cli>Optional ein separates Depot\u003C/li>\u003C/ul>\u003Cp>Prüfen Sie regelmäßig Angebote, um Kosten zu sparen. Häufig lassen sich bei einer Bank bessere Konditionen aushandeln, wenn mehrere Konten dort geführt werden. Manche Banken bieten zusätzlich die Möglichkeit, mehrere Unterkonten anzulegen, die individuell benannt werden können – etwa für „Urlaub“, „Auto“, „Weihnachtsbudget“ oder andere persönliche Ziele. So behalten Sie den Überblick und sparen gezielt. \u003C/p>\u003Cp>💡 \u003Cstrong>Beispiel\u003C/strong>: Mit dem \u003Cstrong>BestFlex Tagesgeldkonto der Santander Bank\u003C/strong> können Sie\u003Cstrong> kostenlos mehrere Unterkonten parallel anlegen\u003C/strong> und individuell benennen – ideal, um verschiedene Sparziele übersichtlich und flexibel zu verfolgen.\u003C/p>\u003Ch3>Alles im Griff haben mit Spar-Apps\u003C/h3>\u003Cp>Sie kommen mit Ihrem Geld gerade mal so über die Runden und haben am Ende des Monats nichts mehr übrig, um etwas anzusparen? Das muss nicht sein: Spar-Apps wie zum Beispiel Money Manager, Finanzguru etc. helfen dabei, Einnahmen und Ausgaben im Blick zu behalten, Sparziele zu definieren und diese auch zu erreichen.\u003C/p>","68f1f0b78f6bc",{"__typename":11,"text":289,"textOverlay":13,"height":14,"width":15,"marginBottom":16,"marginTop":17,"anchorSlug":290,"anchorTitle":290},"\u003Ch2>Psychologie des Sparens\u003C/h2>\u003Ch3>Warum fällt Sparen uns so schwer?\u003C/h3>\u003Cp>Sparen scheitert oft an unserer Psyche: Wir belohnen uns lieber kurzfristig, etwa mit Restaurantbesuchen oder Shopping, statt langfristig für Vorsorge oder Rücklagen zu sparen. Unsere Konsumwelt verstärkt das Problem, weil wir uns sozialen Erwartungen und Kaufanreizen ausgesetzt fühlen. Kurzfristige Freude wiegt häufig schwerer als langfristige finanzielle Sicherheit – ein typischer Denkfehler, der uns Geld kostet.\u003C/p>\u003Ch3>Sparen ist einfacher, als man denkt\u003C/h3>\u003Cp>Viele glauben, Sparen lohne sich nur bei großen Beträgen – ein Irrtum. Schon 10 € pro Monat können langfristig viel bewirken, wenn man konsequent bleibt. Der Schlüssel ist Transparenz: Wer seine Lebenshaltungskosten kennt und einen Sparplan erstellt, kann gezielt Rücklagen bilden und finanzielle Ziele erreichen. Sparen ist keine Einschränkung, sondern eine bewusste Entscheidung für mehr Freiheit und Sicherheit.\u003C/p>","ub7",{"__typename":11,"text":292,"textOverlay":13,"height":14,"width":15,"marginBottom":16,"marginTop":17,"anchorSlug":293,"anchorTitle":293},"\u003Ch2>Wie hilft Santander beim Sparen?\u003C/h2>\u003Ch3>Top-Zinsen beim Online-Sparen\u003C/h3>\u003Cp>Santander ist Spezialist für Sparprodukte mit attraktiven Zinsen. Wählen Sie zwischen Tagesgeld (BestFlex) und Festgeld (BestFix) – einfach, schnell und direkt online abschließbar. So lässt sich regelmäßig und sicher sparen.\u003C/p>","ub8",{"__typename":20,"backgroundImage":21,"content":295,"theme":26,"imagePositionHorizontal":21,"imagePositionVertical":21,"imageMobilePositionHorizontal":21,"imageMobilePositionVertical":21,"mobileBackgroundDisplay":21,"height":14,"width":15,"marginBottom":16,"marginTop":17,"anchorSlug":299,"anchorTitle":299},[296],{"__typename":11,"text":297,"textOverlay":13,"height":14,"width":15,"marginBottom":17,"marginTop":17,"anchorSlug":298,"anchorTitle":298},"\u003Ch3>BestFlex vs. BestFix: Tagesgeld und Festgeld im Überblick\u003C/h3>\u003Cul>\u003Cli>\u003Cstrong>BestFlex (Tagesgeldkonto):\u003C/strong> Variable Zinsen, Guthaben jederzeit verfügbar, Zinsgutschrift monatlich.\u003C/li>\u003Cli>\u003Cstrong>BestFix (Festgeldkonto):\u003C/strong> Fest verzinster Anlagezeitraum mit meist höheren Zinsen bei definierter Laufzeit.\u003C/li>\u003C/ul>\u003Cp>Beide Konten sind kostenlos und Einlagen bis 100.000 € sind durch die \u003Ca href=\"/einlagensicherung\">Einlagensicherung\u003C/a> geschützt.\u003C/p>","68f8bb4fdb908","6909e320188c3",{"__typename":11,"text":301,"textOverlay":13,"height":14,"width":15,"marginBottom":16,"marginTop":17,"anchorSlug":302,"anchorTitle":302},"\u003Ch3>Alles im Blick – rund um die Uhr\u003C/h3>\u003Cp>Nach Kontoeröffnung können Sie Ihr Sparkonto über \u003Ca href=\"/online-services\">Online-Banking\u003C/a> und die OK Santander Secure App bequem verwalten  – ein- und auszahlen sowie Zinsen nachvollziehen, alles rund um die Uhr.\u003C/p>","6909e320188d8",{"__typename":304,"buttonItems":305,"buttonsAligning":312,"height":14,"width":15,"marginBottom":27,"marginTop":17,"anchorSlug":313,"anchorTitle":313},"ButtonsBlock",[306],{"__typename":307,"label":308,"buttonDataAttribute":21,"resolvedUrl":309,"targetBlank":49,"theme":310,"buttonSize":27,"withIcon":49,"iconRef":21,"iconPosition":311,"onlyIcon":49,"outline":49,"buttonTitleAttribute":21},"ButtonBlock","Entdecken Sie jetzt unsere aktuellen Spar-Angebote","/sparen","secondary","right","justify-center","6942c1126ab36",{"__typename":11,"text":315,"textOverlay":13,"height":14,"width":15,"marginBottom":27,"marginTop":17,"anchorSlug":316,"anchorTitle":316},"\u003Ch2>Häufige Fragen zum Geld sparen\u003C/h2>","ub9",{"__typename":318,"accordionEntries":319,"height":14,"width":15,"marginBottom":27,"marginTop":17,"anchorSlug":333,"anchorTitle":333},"AccordionBlock",[320,324,327,330],{"label":321,"text":322,"__typename":323},"Wie spart man als Familie?","\u003Cp>Familien haben das ganze Jahr über hohe Ausgaben – von Kleidung und Schulbedarf bis hin zu Freizeitaktivitäten. Sparen ist trotzdem möglich, wenn man bewusst plant. Hier einige Tipps:\u003C/p>\u003Cul>\u003Cli>\u003Cstrong>Gebraucht kaufen:\u003C/strong> Plattformen wie willhaben.at bieten günstige Alternativen zu Neuware.\u003C/li>\u003Cli>\u003Cstrong>Weiterverkaufen kann sich lohnen: \u003C/strong>Gut erhaltene Kinderkleidung, Spielzeug, Fahrräder und vieles mehr lassen sich einfach weiterverkaufen. So holen Sie Wert zurück und entlasten Ihr Familienbudget.\u003C/li>\u003Cli>\u003Cstrong>Angebote nutzen:\u003C/strong> Preisaktionen in Flugblättern oder online über aktionsfinder.at entdecken.\u003C/li>\u003Cli>\u003Cstrong>Preisvergleiche durchführen:\u003C/strong> Portale wie durchblicker.at, geizhals.at u.a. helfen, Bestpreise zu finden.\u003C/li>\u003C/ul>","AccordionItem",{"label":325,"text":326,"__typename":323},"Wie hole ich mir Geld vom Staat zurück?","\u003Cp>Viele Förderungen bleiben ungenutzt, obwohl sich damit bares Geld sparen lässt. Über das Transparenzportal Österreich finden Sie Informationen zu Förderungen und Zuschüssen für zahlreiche Lebensbereiche – von Energie über Familienleistungen bis hin zu Bildung. Außerdem sollten Sie regelmäßig Ihre Arbeitnehmer- und Arbeitnehmerinnenveranlagung durchführen. Die jährliche Steuerrückerstattung kann mehrere Hundert Euro bringen. Informationen und Hilfestellungen bietet die Arbeiterkammer.\u003C/p>",{"label":328,"text":329,"__typename":323},"Wie kann ich als Schülerin oder Schüler sparen?","\u003Cp>Auch junge Menschen können früh lernen, bewusst mit Geld umzugehen. Kleine Entscheidungen machen den Unterschied: Statt teure Snacks am Schulbuffet zu holen, lohnt sich der Einkauf im Supermarkt. Second-Hand-Produkte – von Schuhen bis Elektronik – sind oft eine günstige Alternative.\u003C/p>\u003Cp>Taschengeld kann gezielt gespart werden, um größere Ziele wie ein Smartphone, ein Moped oder eine Spielkonsole zu erreichen. Ein eigenes Sparkonto hilft dabei, Rücklagen aufzubauen und den Überblick zu behalten. So entwickelt man früh ein gesundes Finanzbewusstsein.\u003C/p>",{"label":331,"text":332,"__typename":323},"Wie können Studierende Geld sparen?","\u003Cp>Der Start ins Studentenleben bringt oft hohe Kosten mit sich, lässt sich aber mit kluger Planung gut bewältigen. Bei der Wohnungssuche lohnt es sich, über eine Wohngemeinschaft nachzudenken – das spart Miete und Nebenkosten. Auch die Lage beeinflusst den Preis: Wer etwas weiter von der Uni entfernt wohnt, zahlt häufig deutlich weniger.\u003C/p>\u003Cp>Bei der Mobilität setzen viele Studierende heute auf Öffis oder Carsharing-Angebote statt auf ein eigenes Auto. Zusätzlich gibt es zahlreiche Rabatte für Studierende – etwa für Kulturveranstaltungen, Technik, Versicherungen oder öffentliche Verkehrsmittel. Wer diese Angebote konsequent nutzt, kann jeden Monat spürbar Geld sparen.\u003C/p>","69ef24dd8e15b",{"__typename":11,"text":335,"textOverlay":13,"height":14,"width":15,"marginBottom":27,"marginTop":17,"anchorSlug":336,"anchorTitle":336},"\u003Ch2>Fazit\u003C/h2>\u003Cp>Ob flexibel oder planbar – mit den \u003Cstrong>Sparprodukten der Santander Bank Österreich\u003C/strong> finden Sie eine sichere, digitale Lösung, um Ihre Sparziele umzusetzen.\u003C/p>","ub10",{"__typename":20,"backgroundImage":21,"content":338,"theme":26,"imagePositionHorizontal":21,"imagePositionVertical":21,"imageMobilePositionHorizontal":21,"imageMobilePositionVertical":21,"mobileBackgroundDisplay":21,"height":14,"width":15,"marginBottom":27,"marginTop":17,"anchorSlug":377,"anchorTitle":377},[339],{"__typename":192,"layout":340,"horizontalAlignment":213,"verticalAlignment":375,"height":14,"width":15,"marginBottom":16,"marginTop":17,"anchorSlug":376,"anchorTitle":376},{"type":341,"left":342,"center":346,"right":361,"centerLeft":21,"centerRight":21,"__typename":212},"union_columns_8_8_8",[343],{"__typename":11,"text":344,"textOverlay":13,"height":14,"width":15,"marginBottom":17,"marginTop":17,"anchorSlug":345,"anchorTitle":345},"\u003Ch2>Noch Fragen?\u003C/h2>\u003Cp>Gerne beantworten wir\u003Cwbr> Ihre individuellen Fragen.\u003C/p>","69329024e3023",[347],{"__typename":348,"buttonItems":349,"buttonsAligning":312,"icon":350,"image":21,"calculatedImageCustomAltText":21,"imageCustomCaptionText":13,"hideOnMobile":49,"hideCaption":49,"lazyload":181,"text":358,"title":359,"height":14,"width":15,"marginBottom":17,"marginTop":17,"anchorSlug":360,"anchorTitle":360,"fullWidthImage":49},"CardBlock",[],{"label":351,"file":352,"__typename":115},"CA110-account 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