{"id":102998,"date":"2025-01-26T13:00:30","date_gmt":"2025-01-26T12:00:30","guid":{"rendered":"\/updated\/?p=102998"},"modified":"2025-01-24T10:37:30","modified_gmt":"2025-01-24T09:37:30","slug":"geld-sparen-diese-apps-und-geraete-helfen-dir-dabei","status":"publish","type":"post","link":"https:\/\/www.otto.de\/updated\/geld-sparen-diese-apps-und-geraete-helfen-dir-dabei-102998\/","title":{"rendered":"Geld spa\u00adren: Die\u00adse Apps und Ger\u00e4\u00adte hel\u00adfen dir&nbsp;dabei"},"content":{"rendered":"<div class=\"wpb-content-wrapper\"><div class=\"vc_row wpb_row vc_row-fluid\"><div class=\"wpb_column vc_column_container vc_col-sm-12\"><div class=\"vc_column-inner\"><div class=\"wpb_wrapper\">\n\t<div class=\"wpb_text_column wpb_content_element\">\n\t\t<div class=\"wpb_wrapper\">\n\t\t\t<p><strong>Du wirfst am Ende des Monats einen Blick auf dein Kon\u00adto und fragst dich, wohin das gan\u00adze Geld ver\u00adschwun\u00adden ist? Das kommt dir bekannt vor? Dann k\u00f6n\u00adnen wir dir even\u00adtu\u00adell hel\u00adfen. Denn: Ob im Haus\u00adhalt, in der Frei\u00adzeit oder beim Ein\u00adkau\u00adfen \u2013 das Leben ist zwar teu\u00ader, doch \u00fcber\u00adall gibt es Ein\u00adspar\u00adpo\u00adten\u00adzia\u00adle, die oft unge\u00adnutzt blei\u00adben. Mit den rich\u00adti\u00adgen Tools und einem bewuss\u00adte\u00adren Umgang mit Res\u00adsour\u00adcen schonst du nicht nur dei\u00adnen Geld\u00adbeu\u00adtel, son\u00addern auch die Umwelt. In die\u00adsem Arti\u00adkel zei\u00adgen wir dir, wie Cash\u00adback-Sys\u00adte\u00adme, Finanz\u00adpla\u00adnungs\u00adap\u00adps und ener\u00adgie\u00adef\u00adfi\u00adzi\u00aden\u00adte Ger\u00e4\u00adte dir dabei hel\u00adfen k\u00f6n\u00adnen, effek\u00adtiv Geld zu sparen.<\/strong><\/p>\n\n\t\t<\/div>\n\t<\/div>\n<\/div><\/div><\/div><\/div><div class=\"vc_row wpb_row vc_row-fluid\"><div class=\"wpb_column vc_column_container vc_col-sm-12\"><div class=\"vc_column-inner\"><div class=\"wpb_wrapper\"><nav class=\"toc\"><h2 class=\"toc--headline\">Das erfahrt ihr gleich<\/h2><ul class=\"toc--links\"><li><a href=\"#cashback-systeme-geld-zurueck-beim-einkaufen\">Cash\u00adback-Sys\u00adte\u00adme: Geld zur\u00fcck beim Einkaufen<\/a><\/li><li><a href=\"#finanzplanungsapps-deine-finanzen-im-griff\">Finanz\u00adpla\u00adnungs\u00adap\u00adps: Dei\u00adne Finan\u00adzen im&nbsp;Griff<\/a><\/li><li><a href=\"#beliebte-finanzplanungsapps\">Belieb\u00adte Finanzplanungsapps<\/a><\/li><li><a href=\"#energieeffiziente-geraete-geld-sparen-und-die-umwelt-schonen\">Ener\u00adgie\u00adef\u00adfi\u00adzi\u00aden\u00adte Ger\u00e4\u00adte: Geld spa\u00adren und die Umwelt schonen<\/a><\/li><li><a href=\"#zusaetzliche-tipps-und-tricks\">Zus\u00e4tz\u00adli\u00adche Tipps und Tricks<\/a><\/li><\/ul><\/nav><\/div><\/div><\/div><\/div><div class=\"vc_row wpb_row vc_row-fluid\"><div class=\"wpb_column vc_column_container vc_col-sm-12\"><div class=\"vc_column-inner\"><div class=\"wpb_wrapper\"><div class=\"headline toc--item\"><a name=\"cashback-systeme-geld-zurueck-beim-einkaufen\"><\/a><h2>Cash\u00adback-Sys\u00adte\u00adme: Geld zur\u00fcck beim Einkaufen<\/h2><\/div><\/div><\/div><\/div><\/div><div class=\"vc_row wpb_row vc_row-fluid\"><div class=\"wpb_column vc_column_container vc_col-sm-12\"><div class=\"vc_column-inner\"><div class=\"wpb_wrapper\">\n\t<div class=\"wpb_text_column wpb_content_element\">\n\t\t<div class=\"wpb_wrapper\">\n\t\t\t<p>Cash\u00adback-Sys\u00adte\u00adme bie\u00adten dir die M\u00f6g\u00adlich\u00adkeit, einen Teil dei\u00adnes aus\u00adge\u00adge\u00adbe\u00adnen Gel\u00addes bei Ein\u00adk\u00e4u\u00adfen zur\u00fcck\u00adzu\u00adbe\u00adkom\u00admen. Vie\u00adle Online-Shops und sta\u00adtio\u00adn\u00e4\u00adre Gesch\u00e4f\u00adte arbei\u00adten mit Cash\u00adback-Anbie\u00adtern zusam\u00admen, die dir nach dem Ein\u00adkauf einen bestimm\u00adten Pro\u00adzent\u00adsatz erstat\u00adten. So sparst du qua\u00adsi beim Ausgeben.<\/p>\n\n\t\t<\/div>\n\t<\/div>\n<\/div><\/div><\/div><\/div><div class=\"vc_row wpb_row vc_row-fluid\"><div class=\"wpb_column vc_column_container vc_col-sm-12\"><div class=\"vc_column-inner\"><div class=\"wpb_wrapper\"><div class=\"headline\"><a name=\"beliebte-cashback-anbieter\"><\/a><h3>Belieb\u00adte Cashback-Anbieter<\/h3><\/div><\/div><\/div><\/div><\/div><div class=\"vc_row wpb_row vc_row-fluid\"><div class=\"wpb_column vc_column_container vc_col-sm-12\"><div class=\"vc_column-inner\"><div class=\"wpb_wrapper\">\n\t<div class=\"wpb_text_column wpb_content_element\">\n\t\t<div class=\"wpb_wrapper\">\n\t\t\t<ul>\n<li>Pay\u00adback: Der wohl bekann\u00adtes\u00adte Anbie\u00adter. Neben Punk\u00adten, die du gegen Pr\u00e4\u00admi\u00aden ein\u00adtau\u00adschen kannst, bie\u00adtet Pay\u00adback auch direk\u00adte Cashback-Optionen.<\/li>\n<li>Shoop: Der gr\u00f6\u00df\u00adte Anbie\u00adter in Deutsch\u00adland. Shoop arbei\u00adtet mit \u00fcber 2.000 Part\u00adnern zusam\u00admen und bie\u00adtet Cash\u00adback auf Ein\u00adk\u00e4u\u00adfe in Berei\u00adchen wie Elek\u00adtro\u00adnik, Mode und Reisen.<\/li>\n<li>Top\u00adCash\u00adback: Hier bekommst du oft h\u00f6he\u00adre R\u00fcck\u00aderstat\u00adtun\u00adgen als bei ande\u00adren Anbietern.<\/li>\n<\/ul>\n\n\t\t<\/div>\n\t<\/div>\n<\/div><\/div><\/div><\/div><div class=\"vc_row wpb_row vc_row-fluid\"><div class=\"wpb_column vc_column_container vc_col-sm-12\"><div class=\"vc_column-inner\"><div class=\"wpb_wrapper\">  <div class=\"slick-gallery-wrapper gallery-no-padding\" data-number-of-slides=\"1\">\n    <div class=\"slick-gallery should-lightbox \" id=\"slick_gallery_YNkIIH1t7IG3DcdVpw8P\">\n              <figure>\n  <div class=\"img-small-container\">\n    <div class=\"img-small-hover-background\"><\/div>\n    <picture>\n                                <source srcset=\"https:\/\/www.otto.de\/updated\/app\/uploads-webp\/uploads\/2025\/01\/geld-sparen-1-1080x615.jpg.webp?theia_smart_thumbnails_file_version=2\" media=\"(max-width: 360px) and (-webkit-min-device-pixel-ratio: 2.5)\" type=\"image\/webp\">\n                  <source srcset=\"https:\/\/www.otto.de\/updated\/app\/uploads\/2025\/01\/geld-sparen-1-1080x615.jpg?theia_smart_thumbnails_file_version=2\" media=\"(max-width: 360px) and (-webkit-min-device-pixel-ratio: 2.5)\">\n                  <source srcset=\"https:\/\/www.otto.de\/updated\/app\/uploads-webp\/uploads\/2025\/01\/geld-sparen-1-720x410.jpg.webp?theia_smart_thumbnails_file_version=2\" media=\"(max-width: 360px) and (-webkit-min-device-pixel-ratio: 1.5)\" type=\"image\/webp\">\n                  <source srcset=\"https:\/\/www.otto.de\/updated\/app\/uploads\/2025\/01\/geld-sparen-1-720x410.jpg?theia_smart_thumbnails_file_version=2\" media=\"(max-width: 360px) and (-webkit-min-device-pixel-ratio: 1.5)\">\n                  <source srcset=\"https:\/\/www.otto.de\/updated\/app\/uploads-webp\/uploads\/2025\/01\/geld-sparen-1-360x205.jpg.webp?theia_smart_thumbnails_file_version=2\" media=\"(max-width: 360px)\" type=\"image\/webp\">\n                  <source srcset=\"https:\/\/www.otto.de\/updated\/app\/uploads\/2025\/01\/geld-sparen-1-360x205.jpg?theia_smart_thumbnails_file_version=2\" media=\"(max-width: 360px)\">\n                    <source srcset=\"https:\/\/www.otto.de\/updated\/app\/uploads-webp\/uploads\/2025\/01\/geld-sparen-1-1680x945.jpg.webp?theia_smart_thumbnails_file_version=2\" media=\"(max-width: 560px) and (-webkit-min-device-pixel-ratio: 2.5)\" type=\"image\/webp\">\n                  <source srcset=\"https:\/\/www.otto.de\/updated\/app\/uploads\/2025\/01\/geld-sparen-1-1680x945.jpg?theia_smart_thumbnails_file_version=2\" media=\"(max-width: 560px) and (-webkit-min-device-pixel-ratio: 2.5)\">\n                  <source srcset=\"https:\/\/www.otto.de\/updated\/app\/uploads-webp\/uploads\/2025\/01\/geld-sparen-1-1120x630.jpg.webp?theia_smart_thumbnails_file_version=2\" media=\"(max-width: 560px) and (-webkit-min-device-pixel-ratio: 1.5)\" type=\"image\/webp\">\n                  <source srcset=\"https:\/\/www.otto.de\/updated\/app\/uploads\/2025\/01\/geld-sparen-1-1120x630.jpg?theia_smart_thumbnails_file_version=2\" media=\"(max-width: 560px) and (-webkit-min-device-pixel-ratio: 1.5)\">\n                  <source srcset=\"https:\/\/www.otto.de\/updated\/app\/uploads-webp\/uploads\/2025\/01\/geld-sparen-1-560x315.jpg.webp?theia_smart_thumbnails_file_version=2\" media=\"(max-width: 560px)\" type=\"image\/webp\">\n                  <source srcset=\"https:\/\/www.otto.de\/updated\/app\/uploads\/2025\/01\/geld-sparen-1-560x315.jpg?theia_smart_thumbnails_file_version=2\" media=\"(max-width: 560px)\">\n                    <source srcset=\"https:\/\/www.otto.de\/updated\/app\/uploads-webp\/uploads\/2025\/01\/geld-sparen-1-2304x1296.jpg.webp?theia_smart_thumbnails_file_version=2\" media=\"(max-width: 767px) and (-webkit-min-device-pixel-ratio: 2.5)\" type=\"image\/webp\">\n                  <source srcset=\"https:\/\/www.otto.de\/updated\/app\/uploads\/2025\/01\/geld-sparen-1-2304x1296.jpg?theia_smart_thumbnails_file_version=2\" media=\"(max-width: 767px) and (-webkit-min-device-pixel-ratio: 2.5)\">\n                  <source srcset=\"https:\/\/www.otto.de\/updated\/app\/uploads-webp\/uploads\/2025\/01\/geld-sparen-1-1536x864.jpg.webp?theia_smart_thumbnails_file_version=2\" media=\"(max-width: 767px) and (-webkit-min-device-pixel-ratio: 1.5)\" type=\"image\/webp\">\n                  <source srcset=\"https:\/\/www.otto.de\/updated\/app\/uploads\/2025\/01\/geld-sparen-1-1536x864.jpg?theia_smart_thumbnails_file_version=2\" media=\"(max-width: 767px) and (-webkit-min-device-pixel-ratio: 1.5)\">\n                  <source srcset=\"https:\/\/www.otto.de\/updated\/app\/uploads-webp\/uploads\/2025\/01\/geld-sparen-1-768x432.jpg.webp?theia_smart_thumbnails_file_version=2\" media=\"(max-width: 767px)\" type=\"image\/webp\">\n                  <source srcset=\"https:\/\/www.otto.de\/updated\/app\/uploads\/2025\/01\/geld-sparen-1-768x432.jpg?theia_smart_thumbnails_file_version=2\" media=\"(max-width: 767px)\">\n                    <source srcset=\"https:\/\/www.otto.de\/updated\/app\/uploads-webp\/uploads\/2025\/01\/geld-sparen-1-1680x945.jpg.webp?theia_smart_thumbnails_file_version=2\" media=\"(max-width: 991px) and (-webkit-min-device-pixel-ratio: 2.5)\" type=\"image\/webp\">\n                  <source srcset=\"https:\/\/www.otto.de\/updated\/app\/uploads\/2025\/01\/geld-sparen-1-1680x945.jpg?theia_smart_thumbnails_file_version=2\" media=\"(max-width: 991px) and (-webkit-min-device-pixel-ratio: 2.5)\">\n                  <source srcset=\"https:\/\/www.otto.de\/updated\/app\/uploads-webp\/uploads\/2025\/01\/geld-sparen-1-1120x630.jpg.webp?theia_smart_thumbnails_file_version=2\" media=\"(max-width: 991px) and (-webkit-min-device-pixel-ratio: 1.5)\" type=\"image\/webp\">\n                  <source srcset=\"https:\/\/www.otto.de\/updated\/app\/uploads\/2025\/01\/geld-sparen-1-1120x630.jpg?theia_smart_thumbnails_file_version=2\" media=\"(max-width: 991px) and (-webkit-min-device-pixel-ratio: 1.5)\">\n                  <source srcset=\"https:\/\/www.otto.de\/updated\/app\/uploads-webp\/uploads\/2025\/01\/geld-sparen-1-560x315.jpg.webp?theia_smart_thumbnails_file_version=2\" media=\"(max-width: 991px)\" type=\"image\/webp\">\n                  <source srcset=\"https:\/\/www.otto.de\/updated\/app\/uploads\/2025\/01\/geld-sparen-1-560x315.jpg?theia_smart_thumbnails_file_version=2\" media=\"(max-width: 991px)\">\n        <source srcset=\"https:\/\/www.otto.de\/updated\/app\/uploads-webp\/uploads\/2025\/01\/geld-sparen-1-2304x1296.jpg.webp?theia_smart_thumbnails_file_version=2\" media=\"(-webkit-min-device-pixel-ratio: 2.5)\" type=\"image\/webp\">\n  <source srcset=\"https:\/\/www.otto.de\/updated\/app\/uploads\/2025\/01\/geld-sparen-1-2304x1296.jpg?theia_smart_thumbnails_file_version=2\" media=\"(-webkit-min-device-pixel-ratio: 2.5)\">\n  <source srcset=\"https:\/\/www.otto.de\/updated\/app\/uploads-webp\/uploads\/2025\/01\/geld-sparen-1-1536x864.jpg.webp?theia_smart_thumbnails_file_version=2\" media=\"(-webkit-min-device-pixel-ratio: 1.5)\" type=\"image\/webp\">\n  <source srcset=\"https:\/\/www.otto.de\/updated\/app\/uploads\/2025\/01\/geld-sparen-1-1536x864.jpg?theia_smart_thumbnails_file_version=2\" media=\"(-webkit-min-device-pixel-ratio: 1.5)\">\n  <source srcset=\"https:\/\/www.otto.de\/updated\/app\/uploads-webp\/uploads\/2025\/01\/geld-sparen-1-768x432.jpg.webp?theia_smart_thumbnails_file_version=2\" type=\"image\/webp\">\n  <img loading=\"lazy\" decoding=\"async\" src=\"https:\/\/www.otto.de\/updated\/app\/uploads\/2025\/01\/geld-sparen-1-768x432.jpg?theia_smart_thumbnails_file_version=2\" width=\"768\" height=\"432\" title=\"Geld sparen, Diese Apps und Ger\u00e4te helfen dir dabei\" alt=\"Eine Person steht mit einem Einkaufswagen an der Supermarktkasse, Waren liegen bereits auf dem Band. Die Person legt weitere Waren darauf.\" class=\"img-responsive img-small\" data-copyright=\"\u00a9 2025 Getty Images\" data-post-excerpt=\"Mit einem Vergleich der Cashback-Anbieter holst du bei jedem Einkauf das Beste heraus.\" data-light-value=\"dark\" data-zoom-width=\"2560\" data-zoom-height=\"1707\" data-zoom-src=\"https:\/\/www.otto.de\/updated\/app\/uploads\/2025\/01\/geld-sparen-1.jpg\">\n                    <div class=\"caption dark\">\n          <small>\n            \u00a9 2025 Get\u00adty Images&nbsp;<\/small>\n        <\/div>\n          <\/picture>\n  <\/div>\n      <figcaption class=\"post-excerpt\">\n      Mit einem Ver\u00adgleich der Cash\u00adback-Anbie\u00adter holst du bei jedem Ein\u00adkauf das Bes\u00adte heraus.&nbsp;<\/figcaption>\n  <\/figure>\n          <\/div>\n    <div class=\"progress-bars\"><\/div>\n    <div class=\"zoom-icon-wrapper\">\n      <div class=\"zoom-icon\"><\/div>\n    <\/div>\n  <\/div>\n<\/div><\/div><\/div><\/div><div class=\"vc_row wpb_row vc_row-fluid\"><div class=\"wpb_column vc_column_container vc_col-sm-12\"><div class=\"vc_column-inner\"><div class=\"wpb_wrapper\"><div class=\"headline\"><a name=\"tipps-fuer-die-nutzung-von-cashback\"><\/a><h3>Tipps f\u00fcr die Nut\u00adzung von Cashback<\/h3><\/div><\/div><\/div><\/div><\/div><div class=\"vc_row wpb_row vc_row-fluid\"><div class=\"wpb_column vc_column_container vc_col-sm-12\"><div class=\"vc_column-inner\"><div class=\"wpb_wrapper\">\n\t<div class=\"wpb_text_column wpb_content_element\">\n\t\t<div class=\"wpb_wrapper\">\n\t\t\t<p><strong>Ver\u00adglei\u00adche die Anbie\u00adter:<\/strong> Nicht alle Cash\u00adback-Por\u00adta\u00adle bie\u00adten die glei\u00adchen Pro\u00adzent\u00ads\u00e4t\u00adze. Ein Ver\u00adgleich lohnt&nbsp;sich.<\/p>\n<p><strong>Brow\u00adser-Erwei\u00adte\u00adrun\u00adgen nut\u00adzen:<\/strong> Vie\u00adle Anbie\u00adter wie Shoop bie\u00adten Plug\u00adins, die dich auto\u00adma\u00adtisch an Cash\u00adback-M\u00f6g\u00adlich\u00adkei\u00adten erinnern.<\/p>\n<p><strong>Aktio\u00adnen aus\u00adnut\u00adzen:<\/strong> Man\u00adche Por\u00adta\u00adle bie\u00adten zeit\u00adlich begrenz\u00adte Son\u00adder\u00adak\u00adtio\u00adnen mit erh\u00f6h\u00adtem Cashback.<\/p>\n\n\t\t<\/div>\n\t<\/div>\n<\/div><\/div><\/div><\/div><div class=\"vc_row wpb_row vc_row-fluid\"><div class=\"wpb_column vc_column_container vc_col-sm-12\"><div class=\"vc_column-inner\"><div class=\"wpb_wrapper\"><div class=\"headline\"><a name=\"bei-jedem-einkauf-profitieren\"><\/a><h3>Bei jedem Ein\u00adkauf profitieren<\/h3><\/div><\/div><\/div><\/div><\/div><div class=\"vc_row wpb_row vc_row-fluid\"><div class=\"wpb_column vc_column_container vc_col-sm-12\"><div class=\"vc_column-inner\"><div class=\"wpb_wrapper\">\n\t<div class=\"wpb_text_column wpb_content_element\">\n\t\t<div class=\"wpb_wrapper\">\n\t\t\t<p>Cash\u00adback kann sich bei regel\u00adm\u00e4\u00ad\u00dfi\u00adgen Aus\u00adga\u00adben wie das Online-Shop\u00adping von Klei\u00addung oder Elek\u00adtro\u00adnik loh\u00adnen. Doch selbst klei\u00adne\u00adre Ein\u00adk\u00e4u\u00adfe sum\u00admie\u00adren sich \u00fcber die Zeit, sodass du mit der rich\u00adti\u00adgen Stra\u00adte\u00adgie auch hier beacht\u00adli\u00adche Betr\u00e4\u00adge spa\u00adren kannst. Beson\u00adders bei gr\u00f6\u00ad\u00dfe\u00adren Inves\u00adti\u00adtio\u00adnen wie Rei\u00adsen oder Haus\u00adhalts\u00adge\u00adr\u00e4\u00adten kannst du von Cash\u00adback-Pro\u00adgram\u00admen pro\u00adfi\u00adtie\u00adren und so dei\u00adne Aus\u00adga\u00adben erheb\u00adlich redu\u00adzie\u00adren. Doch Cash\u00adback ist nicht nur online inter\u00ades\u00adsant: In Super\u00adm\u00e4rk\u00adten und Dro\u00adge\u00adrie\u00adm\u00e4rk\u00adten kannst du h\u00e4u\u00adfig Punk\u00adte sam\u00admeln, die du sp\u00e4\u00adter f\u00fcr Rabat\u00adte oder Pr\u00e4\u00admi\u00aden ein\u00adl\u00f6\u00adsen kannst. Die\u00adse Sys\u00adte\u00adme beloh\u00adnen dich f\u00fcr all\u00adt\u00e4g\u00adli\u00adche Ein\u00adk\u00e4u\u00adfe, wie Lebens\u00admit\u00adtel oder Dro\u00adge\u00adrie\u00adar\u00adti\u00adkel, und bie\u00adten dir eine ein\u00adfa\u00adche M\u00f6g\u00adlich\u00adkeit, auch im All\u00adtag von dei\u00adnen Aus\u00adga\u00adben zu pro\u00adfi\u00adtie\u00adren. Kom\u00adbi\u00adnierst du Cash\u00adback mit Punk\u00adten, kannst du dei\u00adne Erspar\u00adnis\u00adse maxi\u00admie\u00adren und aus jedem Ein\u00adkauf das Bes\u00adte herausholen.<\/p>\n\n\t\t<\/div>\n\t<\/div>\n<\/div><\/div><\/div><\/div><div class=\"vc_row wpb_row vc_row-fluid\"><div class=\"wpb_column vc_column_container vc_col-sm-12\"><div class=\"vc_column-inner\"><div class=\"wpb_wrapper\"><div class=\"headline toc--item\"><a name=\"finanzplanungsapps-deine-finanzen-im-griff\"><\/a><h2>Finanz\u00adpla\u00adnungs\u00adap\u00adps: Dei\u00adne Finan\u00adzen im&nbsp;Griff<\/h2><\/div><\/div><\/div><\/div><\/div><div class=\"vc_row wpb_row vc_row-fluid\"><div class=\"wpb_column vc_column_container vc_col-sm-12\"><div class=\"vc_column-inner\"><div class=\"wpb_wrapper\">\n\t<div class=\"wpb_text_column wpb_content_element\">\n\t\t<div class=\"wpb_wrapper\">\n\t\t\t<p>Ohne einen genau\u00aden \u00dcber\u00adblick \u00fcber dei\u00adne Ein\u00adnah\u00admen und Aus\u00adga\u00adben besteht schnell die Gefahr, mehr aus\u00adzu\u00adge\u00adben, als beab\u00adsich\u00adtigt. Finanz\u00adpla\u00adnungs\u00adap\u00adps hel\u00adfen dir, dei\u00adne Finan\u00adzen zu orga\u00adni\u00adsie\u00adren und Ein\u00adspar\u00adpo\u00adten\u00adzia\u00adle zu erkennen.<\/p>\n\n\t\t<\/div>\n\t<\/div>\n<\/div><\/div><\/div><\/div><div class=\"vc_row wpb_row vc_row-fluid\"><div class=\"wpb_column vc_column_container vc_col-sm-12\"><div class=\"vc_column-inner\"><div class=\"wpb_wrapper\"><div class=\"headline toc--item\"><a name=\"beliebte-finanzplanungsapps\"><\/a><h2>Belieb\u00adte Finanzplanungsapps<\/h2><\/div><\/div><\/div><\/div><\/div><div class=\"vc_row wpb_row vc_row-fluid\"><div class=\"wpb_column vc_column_container vc_col-sm-12\"><div class=\"vc_column-inner\"><div class=\"wpb_wrapper\"><div class=\"headline\"><a name=\"mint-smarte-finanzierungsapp\"><\/a><h3>Mint: Smar\u00adte Finanzierungsapp<\/h3><\/div><\/div><\/div><\/div><\/div><div class=\"vc_row wpb_row vc_row-fluid\"><div class=\"wpb_column vc_column_container vc_col-sm-12\"><div class=\"vc_column-inner\"><div class=\"wpb_wrapper\">\n\t<div class=\"wpb_text_column wpb_content_element\">\n\t\t<div class=\"wpb_wrapper\">\n\t\t\t<p>Mint ist die kos\u00adten\u00adlo\u00adse Finanz\u00adpla\u00adnungs-App von Intuit, die Nutzer*innen hilft, ihre Finan\u00adzen im Blick zu behal\u00adten. Sie ver\u00adkn\u00fcpft Bank\u00adkon\u00adten, Kre\u00addit\u00adkar\u00adten und Dar\u00adle\u00adhen,&nbsp;um<\/p>\n<p>Trans\u00adak\u00adtio\u00adnen auto\u00adma\u00adtisch zu kate\u00adgo\u00adri\u00adsie\u00adren und einen \u00dcber\u00adblick \u00fcber Ein\u00adnah\u00admen und Aus\u00adga\u00adben zu schaf\u00adfen. Lege dei\u00adne Bud\u00adgets fest, defi\u00adnie\u00adre Spar\u00adzie\u00adle und \u00fcber\u00adwa\u00adche dei\u00adnen Kreditscore.<\/p>\n<p>Die App bie\u00adtet hilf\u00adrei\u00adche Dia\u00adgram\u00adme, zeigt Ein\u00adspar\u00adpo\u00adten\u00adzia\u00adle und gibt Finanz\u00adtipps. Sicher\u00adheits\u00adstan\u00addards wie Ver\u00adschl\u00fcs\u00adse\u00adlung und Benach\u00adrich\u00adti\u00adgun\u00adgen sol\u00adlen dei\u00adne Daten sch\u00fctzen.<\/p>\n<p><strong>Vor\u00adtei\u00adle:<\/strong> Mint auto\u00adma\u00adti\u00adsiert die Buch\u00adhal\u00adtung, ist ein\u00adfach zu bedie\u00adnen und kos\u00adten\u00adlos. Sie bie\u00adtet Trans\u00adpa\u00adrenz, per\u00adso\u00adna\u00adli\u00adsier\u00adba\u00adre Bud\u00adgets und n\u00fctz\u00adli\u00adche Ein\u00adbli\u00adcke in den Kredit-Score.<\/p>\n<p><strong>Nach\u00adtei\u00adle:<\/strong> Daten\u00adschutz\u00adbe\u00adden\u00adken sind ein The\u00adma, da Finanz\u00adda\u00adten zen\u00adtral gespei\u00adchert wer\u00adden. Die auto\u00adma\u00adti\u00adsier\u00adte Kate\u00adgo\u00adri\u00adsie\u00adrung ist nicht immer feh\u00adler\u00adfrei, und die kos\u00adten\u00adlo\u00adse Ver\u00adsi\u00adon ent\u00adh\u00e4lt Wer\u00adbung. Zudem sind eini\u00adge Funk\u00adtio\u00adnen auf den US-Markt ausgerichtet.<\/p>\n\n\t\t<\/div>\n\t<\/div>\n<\/div><\/div><\/div><\/div><div class=\"vc_row wpb_row vc_row-fluid\"><div class=\"wpb_column vc_column_container vc_col-sm-12\"><div class=\"vc_column-inner\"><div class=\"wpb_wrapper\"><div class=\"headline\"><a name=\"ynab-finanzplanung-mit-system\"><\/a><h3>YNAB: Finanz\u00adpla\u00adnung mit System<\/h3><\/div><\/div><\/div><\/div><\/div><div class=\"vc_row wpb_row vc_row-fluid\"><div class=\"wpb_column vc_column_container vc_col-sm-12\"><div class=\"vc_column-inner\"><div class=\"wpb_wrapper\">\n\t<div class=\"wpb_text_column wpb_content_element\">\n\t\t<div class=\"wpb_wrapper\">\n\t\t\t<p>YNAB (You Need A Bud\u00adget) ist eine Finanz\u00adpla\u00adnungs-App, die sich auf pro\u00adak\u00adti\u00adve Bud\u00adge\u00adtie\u00adrung kon\u00adzen\u00adtriert. Das Prin\u00adzip: Jeder ver\u00addien\u00adte Euro wird einer spe\u00adzi\u00adfi\u00adschen Auf\u00adga\u00adbe zuge\u00adwie\u00adsen, wie Aus\u00adga\u00adben, Spar\u00adzie\u00adle oder Schul\u00adden\u00adtil\u00adgung. Du managst dein Geld qua\u00adsi gezielt, anstatt nur dei\u00adne Aus\u00adga\u00adben zu verfolgen.<\/p>\n<p>Die App syn\u00adchro\u00adni\u00adsiert Bank\u00adkon\u00adten und erm\u00f6g\u00adlicht manu\u00adel\u00adle Ein\u00adga\u00adben. Du kannst Bud\u00adgets f\u00fcr Kate\u00adgo\u00adrien wie Mie\u00adte, Lebens\u00admit\u00adtel oder Frei\u00adzeit erstel\u00adlen, w\u00e4h\u00adrend YNAB fle\u00adxi\u00adble Anpas\u00adsun\u00adgen bei unvor\u00adher\u00adge\u00adse\u00adhe\u00adnen Aus\u00adga\u00adben erlaubt. Die App bie\u00adtet umfas\u00adsen\u00adde Berich\u00adte und Dia\u00adgram\u00adme, die lang\u00adfris\u00adti\u00adge Fort\u00adschrit\u00adte visualisieren.<\/p>\n<p><strong>Vor\u00adtei\u00adle:<\/strong> YNAB f\u00f6r\u00addert ein bewuss\u00adte\u00adres Finanz\u00adver\u00adhal\u00adten und hilft, Schul\u00adden abzu\u00adbau\u00aden. Das Inter\u00adface ist klar ver\u00adst\u00e4nd\u00adlich, Tuto\u00adri\u00adals erleich\u00adtern dir den Ein\u00adstieg. Die Syn\u00adchro\u00adni\u00adsie\u00adrung in Echt\u00adzeit ist ide\u00adal f\u00fcr Paa\u00adre und Familien.<\/p>\n<p><strong>Nach\u00adtei\u00adle:<\/strong> YNAB ist kos\u00adten\u00adpflich\u00adtig, mit einer monat\u00adli\u00adchen Geb\u00fchr. Die manu\u00adel\u00adle Bud\u00adge\u00adtie\u00adrung kann zeit\u00adauf\u00adw\u00e4n\u00addig sein, beson\u00adders f\u00fcr Uner\u00adfah\u00adre\u00adne. Zudem feh\u00adlen eini\u00adge auto\u00adma\u00adti\u00adsier\u00adte Funk\u00adtio\u00adnen im Ver\u00adgleich zu ande\u00adren&nbsp;Apps.<\/p>\n\n\t\t<\/div>\n\t<\/div>\n<\/div><\/div><\/div><\/div><div class=\"vc_row wpb_row vc_row-fluid\"><div class=\"wpb_column vc_column_container vc_col-sm-12\"><div class=\"vc_column-inner\"><div class=\"wpb_wrapper\">  <div class=\"slick-gallery-wrapper gallery-no-padding\" data-number-of-slides=\"1\">\n    <div class=\"slick-gallery should-lightbox \" id=\"slick_gallery_PN1ca2tgjjxbvtYHSczg\">\n              <figure>\n  <div class=\"img-small-container\">\n    <div class=\"img-small-hover-background\"><\/div>\n    <picture>\n                                <source srcset=\"https:\/\/www.otto.de\/updated\/app\/uploads-webp\/uploads\/2025\/01\/geld-sparen-4-1080x615.jpg.webp?theia_smart_thumbnails_file_version=2\" media=\"(max-width: 360px) and (-webkit-min-device-pixel-ratio: 2.5)\" type=\"image\/webp\">\n                  <source srcset=\"https:\/\/www.otto.de\/updated\/app\/uploads\/2025\/01\/geld-sparen-4-1080x615.jpg?theia_smart_thumbnails_file_version=2\" media=\"(max-width: 360px) and (-webkit-min-device-pixel-ratio: 2.5)\">\n                  <source srcset=\"https:\/\/www.otto.de\/updated\/app\/uploads-webp\/uploads\/2025\/01\/geld-sparen-4-720x410.jpg.webp?theia_smart_thumbnails_file_version=2\" media=\"(max-width: 360px) and (-webkit-min-device-pixel-ratio: 1.5)\" type=\"image\/webp\">\n                  <source srcset=\"https:\/\/www.otto.de\/updated\/app\/uploads\/2025\/01\/geld-sparen-4-720x410.jpg?theia_smart_thumbnails_file_version=2\" media=\"(max-width: 360px) and (-webkit-min-device-pixel-ratio: 1.5)\">\n                  <source srcset=\"https:\/\/www.otto.de\/updated\/app\/uploads-webp\/uploads\/2025\/01\/geld-sparen-4-360x205.jpg.webp?theia_smart_thumbnails_file_version=2\" media=\"(max-width: 360px)\" type=\"image\/webp\">\n                  <source srcset=\"https:\/\/www.otto.de\/updated\/app\/uploads\/2025\/01\/geld-sparen-4-360x205.jpg?theia_smart_thumbnails_file_version=2\" media=\"(max-width: 360px)\">\n                    <source srcset=\"https:\/\/www.otto.de\/updated\/app\/uploads-webp\/uploads\/2025\/01\/geld-sparen-4-1680x945.jpg.webp?theia_smart_thumbnails_file_version=2\" media=\"(max-width: 560px) and (-webkit-min-device-pixel-ratio: 2.5)\" type=\"image\/webp\">\n                  <source srcset=\"https:\/\/www.otto.de\/updated\/app\/uploads\/2025\/01\/geld-sparen-4-1680x945.jpg?theia_smart_thumbnails_file_version=2\" media=\"(max-width: 560px) and (-webkit-min-device-pixel-ratio: 2.5)\">\n                  <source srcset=\"https:\/\/www.otto.de\/updated\/app\/uploads-webp\/uploads\/2025\/01\/geld-sparen-4-1120x630.jpg.webp?theia_smart_thumbnails_file_version=2\" media=\"(max-width: 560px) and (-webkit-min-device-pixel-ratio: 1.5)\" type=\"image\/webp\">\n                  <source srcset=\"https:\/\/www.otto.de\/updated\/app\/uploads\/2025\/01\/geld-sparen-4-1120x630.jpg?theia_smart_thumbnails_file_version=2\" media=\"(max-width: 560px) and (-webkit-min-device-pixel-ratio: 1.5)\">\n                  <source srcset=\"https:\/\/www.otto.de\/updated\/app\/uploads-webp\/uploads\/2025\/01\/geld-sparen-4-560x315.jpg.webp?theia_smart_thumbnails_file_version=2\" media=\"(max-width: 560px)\" type=\"image\/webp\">\n                  <source srcset=\"https:\/\/www.otto.de\/updated\/app\/uploads\/2025\/01\/geld-sparen-4-560x315.jpg?theia_smart_thumbnails_file_version=2\" media=\"(max-width: 560px)\">\n                    <source srcset=\"https:\/\/www.otto.de\/updated\/app\/uploads-webp\/uploads\/2025\/01\/geld-sparen-4-2304x1296.jpg.webp?theia_smart_thumbnails_file_version=2\" media=\"(max-width: 767px) and (-webkit-min-device-pixel-ratio: 2.5)\" type=\"image\/webp\">\n                  <source srcset=\"https:\/\/www.otto.de\/updated\/app\/uploads\/2025\/01\/geld-sparen-4-2304x1296.jpg?theia_smart_thumbnails_file_version=2\" media=\"(max-width: 767px) and (-webkit-min-device-pixel-ratio: 2.5)\">\n                  <source srcset=\"https:\/\/www.otto.de\/updated\/app\/uploads-webp\/uploads\/2025\/01\/geld-sparen-4-1536x864.jpg.webp?theia_smart_thumbnails_file_version=2\" media=\"(max-width: 767px) and (-webkit-min-device-pixel-ratio: 1.5)\" type=\"image\/webp\">\n                  <source srcset=\"https:\/\/www.otto.de\/updated\/app\/uploads\/2025\/01\/geld-sparen-4-1536x864.jpg?theia_smart_thumbnails_file_version=2\" media=\"(max-width: 767px) and (-webkit-min-device-pixel-ratio: 1.5)\">\n                  <source srcset=\"https:\/\/www.otto.de\/updated\/app\/uploads-webp\/uploads\/2025\/01\/geld-sparen-4-768x432.jpg.webp?theia_smart_thumbnails_file_version=2\" media=\"(max-width: 767px)\" type=\"image\/webp\">\n                  <source srcset=\"https:\/\/www.otto.de\/updated\/app\/uploads\/2025\/01\/geld-sparen-4-768x432.jpg?theia_smart_thumbnails_file_version=2\" media=\"(max-width: 767px)\">\n                    <source srcset=\"https:\/\/www.otto.de\/updated\/app\/uploads-webp\/uploads\/2025\/01\/geld-sparen-4-1680x945.jpg.webp?theia_smart_thumbnails_file_version=2\" media=\"(max-width: 991px) and (-webkit-min-device-pixel-ratio: 2.5)\" type=\"image\/webp\">\n                  <source srcset=\"https:\/\/www.otto.de\/updated\/app\/uploads\/2025\/01\/geld-sparen-4-1680x945.jpg?theia_smart_thumbnails_file_version=2\" media=\"(max-width: 991px) and (-webkit-min-device-pixel-ratio: 2.5)\">\n                  <source srcset=\"https:\/\/www.otto.de\/updated\/app\/uploads-webp\/uploads\/2025\/01\/geld-sparen-4-1120x630.jpg.webp?theia_smart_thumbnails_file_version=2\" media=\"(max-width: 991px) and (-webkit-min-device-pixel-ratio: 1.5)\" type=\"image\/webp\">\n                  <source srcset=\"https:\/\/www.otto.de\/updated\/app\/uploads\/2025\/01\/geld-sparen-4-1120x630.jpg?theia_smart_thumbnails_file_version=2\" media=\"(max-width: 991px) and (-webkit-min-device-pixel-ratio: 1.5)\">\n                  <source srcset=\"https:\/\/www.otto.de\/updated\/app\/uploads-webp\/uploads\/2025\/01\/geld-sparen-4-560x315.jpg.webp?theia_smart_thumbnails_file_version=2\" media=\"(max-width: 991px)\" type=\"image\/webp\">\n                  <source srcset=\"https:\/\/www.otto.de\/updated\/app\/uploads\/2025\/01\/geld-sparen-4-560x315.jpg?theia_smart_thumbnails_file_version=2\" media=\"(max-width: 991px)\">\n        <source srcset=\"https:\/\/www.otto.de\/updated\/app\/uploads-webp\/uploads\/2025\/01\/geld-sparen-4-2304x1296.jpg.webp?theia_smart_thumbnails_file_version=2\" media=\"(-webkit-min-device-pixel-ratio: 2.5)\" type=\"image\/webp\">\n  <source srcset=\"https:\/\/www.otto.de\/updated\/app\/uploads\/2025\/01\/geld-sparen-4-2304x1296.jpg?theia_smart_thumbnails_file_version=2\" media=\"(-webkit-min-device-pixel-ratio: 2.5)\">\n  <source srcset=\"https:\/\/www.otto.de\/updated\/app\/uploads-webp\/uploads\/2025\/01\/geld-sparen-4-1536x864.jpg.webp?theia_smart_thumbnails_file_version=2\" media=\"(-webkit-min-device-pixel-ratio: 1.5)\" type=\"image\/webp\">\n  <source srcset=\"https:\/\/www.otto.de\/updated\/app\/uploads\/2025\/01\/geld-sparen-4-1536x864.jpg?theia_smart_thumbnails_file_version=2\" media=\"(-webkit-min-device-pixel-ratio: 1.5)\">\n  <source srcset=\"https:\/\/www.otto.de\/updated\/app\/uploads-webp\/uploads\/2025\/01\/geld-sparen-4-768x432.jpg.webp?theia_smart_thumbnails_file_version=2\" type=\"image\/webp\">\n  <img loading=\"lazy\" decoding=\"async\" src=\"https:\/\/www.otto.de\/updated\/app\/uploads\/2025\/01\/geld-sparen-4-768x432.jpg?theia_smart_thumbnails_file_version=2\" width=\"768\" height=\"432\" title=\"Geld sparen, Diese Apps und Ger\u00e4te helfen dir dabei\" alt=\"Eine Person steht in einer K\u00fcche, h\u00e4lt eine Kaffeetasse in der Hand und schaut auf das Smartphone in ihrer Hand.\" class=\"img-responsive img-small\" data-copyright=\"\u00a9 2023 Getty Images\" data-post-excerpt=\"Mit einer Finanzplanungsapp verschaffst du dir mehr Klarheit \u00fcber deine Einnahmen und Ausgaben.\" data-light-value=\"dark\" data-zoom-width=\"2560\" data-zoom-height=\"1707\" data-zoom-src=\"https:\/\/www.otto.de\/updated\/app\/uploads\/2025\/01\/geld-sparen-4.jpg\">\n                    <div class=\"caption dark\">\n          <small>\n            \u00a9 2023 Get\u00adty Images&nbsp;<\/small>\n        <\/div>\n          <\/picture>\n  <\/div>\n      <figcaption class=\"post-excerpt\">\n      Mit einer Finanz\u00adpla\u00adnungs\u00adapp ver\u00adschaffst du dir mehr Klar\u00adheit \u00fcber dei\u00adne Ein\u00adnah\u00admen und Ausgaben.&nbsp;<\/figcaption>\n  <\/figure>\n          <\/div>\n    <div class=\"progress-bars\"><\/div>\n    <div class=\"zoom-icon-wrapper\">\n      <div class=\"zoom-icon\"><\/div>\n    <\/div>\n  <\/div>\n<\/div><\/div><\/div><\/div><div class=\"vc_row wpb_row vc_row-fluid\"><div class=\"wpb_column vc_column_container vc_col-sm-12\"><div class=\"vc_column-inner\"><div class=\"wpb_wrapper\"><div class=\"headline\"><a name=\"finanzguru-deine-app-fuer-bessere-finanzplanung\"><\/a><h3>Finanz\u00adgu\u00adru: Dei\u00adne App f\u00fcr bes\u00adse\u00adre Finanzplanung<\/h3><\/div><\/div><\/div><\/div><\/div><div class=\"vc_row wpb_row vc_row-fluid\"><div class=\"wpb_column vc_column_container vc_col-sm-12\"><div class=\"vc_column-inner\"><div class=\"wpb_wrapper\">\n\t<div class=\"wpb_text_column wpb_content_element\">\n\t\t<div class=\"wpb_wrapper\">\n\t\t\t<p>Finanz\u00adgu\u00adru ist eine Finanz\u00adpla\u00adnungs-App, die dir hilft, dei\u00adne Finan\u00adzen im \u00dcber\u00adblick zu behal\u00adten und zu opti\u00admie\u00adren. Die App ana\u00adly\u00adsiert auto\u00adma\u00adtisch Bank\u00adtrans\u00adak\u00adtio\u00adnen, kate\u00adgo\u00adri\u00adsiert sie und zeigt auf, wo Ein\u00adspar\u00adpo\u00adten\u00adzia\u00adle lie\u00adgen. Du kannst Aus\u00adga\u00adben ver\u00adwal\u00adten, Bud\u00adgets erstel\u00adlen und dei\u00adne Finanz\u00adzie\u00adle ver\u00adfol\u00adgen. Finanz\u00adgu\u00adru bie\u00adtet auch eine \u00dcber\u00adsicht \u00fcber Ver\u00adtr\u00e4\u00adge und Abon\u00adne\u00adments, sodass du unn\u00f6\u00adti\u00adge Aus\u00adga\u00adben schnell erken\u00adnen und eli\u00admi\u00adnie\u00adren kannst.<\/p>\n<p>Die App bie\u00adtet Echt\u00adzeit-Updates und erm\u00f6g\u00adlicht es, Kre\u00addit\u00adkar\u00adten, Bank\u00adkon\u00adten und sogar Ver\u00adsi\u00adche\u00adrun\u00adgen zu ver\u00adbin\u00adden. Dar\u00ad\u00fcber hin\u00adaus erh\u00e4ltst du per\u00adso\u00adna\u00adli\u00adsier\u00adte Spar\u00adtipps und kannst dei\u00adne finan\u00adzi\u00adel\u00adle Situa\u00adti\u00adon kon\u00adti\u00adnu\u00adier\u00adlich \u00fcberwachen.<\/p>\n<p><strong>Vor\u00adtei\u00adle:<\/strong> Finanz\u00adgu\u00adru ist bedien\u00adfreund\u00adlich und bie\u00adtet eine umfas\u00adsen\u00adde Ana\u00adly\u00adse von Ein\u00adnah\u00admen und Aus\u00adga\u00adben. Die auto\u00adma\u00adti\u00adsche Kate\u00adgo\u00adri\u00adsie\u00adrung spart Zeit, und durch die Ver\u00adtrags\u00ad\u00fcber\u00adsicht las\u00adsen sich unn\u00f6\u00adti\u00adge Kos\u00adten ver\u00admei\u00adden. Zudem ist die App kos\u00adten\u00adlos in der Basisversion.<\/p>\n<p><strong>Nach\u00adtei\u00adle:<\/strong> Die App ist auf den deut\u00adschen Markt zuge\u00adschnit\u00adten, was f\u00fcr inter\u00adna\u00adtio\u00adna\u00adle Nut\u00adzen\u00adde ein\u00adschr\u00e4n\u00adkend sein kann. In der kos\u00adten\u00adlo\u00adsen Ver\u00adsi\u00adon sind eini\u00adge Pre\u00admi\u00adum-Funk\u00adtio\u00adnen, wie detail\u00adlier\u00adte\u00adre Berich\u00adte oder erwei\u00adter\u00adte Ana\u00adly\u00adsen, nicht verf\u00fcgbar.<\/p>\n\n\t\t<\/div>\n\t<\/div>\n<\/div><\/div><\/div><\/div><div class=\"vc_row wpb_row vc_row-fluid\"><div class=\"wpb_column vc_column_container vc_col-sm-12\"><div class=\"vc_column-inner\"><div class=\"wpb_wrapper\"><div class=\"headline\"><a name=\"revolut-moderne-finanzplanung-und-mehr\"><\/a><h3>Revo\u00adlut: Moder\u00adne Finanz\u00adpla\u00adnung und&nbsp;mehr<\/h3><\/div><\/div><\/div><\/div><\/div><div class=\"vc_row wpb_row vc_row-fluid\"><div class=\"wpb_column vc_column_container vc_col-sm-12\"><div class=\"vc_column-inner\"><div class=\"wpb_wrapper\">\n\t<div class=\"wpb_text_column wpb_content_element\">\n\t\t<div class=\"wpb_wrapper\">\n\t\t\t<p>Revo\u00adlut ist eine viel\u00adsei\u00adti\u00adge Finanz\u00adpla\u00adnungs-App, die Ban\u00adking, Zah\u00adlungs\u00addiens\u00adte, W\u00e4h\u00adrungs\u00adum\u00adrech\u00adnung und Inves\u00adti\u00adtio\u00adnen kom\u00adbi\u00adniert. Nat\u00fcr\u00adlich kannst du auch bei die\u00adser App dei\u00adne Aus\u00adga\u00adben \u00fcber\u00adwa\u00adchen und Bud\u00adgets fest\u00adle\u00adgen. Du kannst aber auch in Akti\u00aden, Kryp\u00adto\u00adw\u00e4h\u00adrun\u00adgen oder Roh\u00adstof\u00adfe inves\u00adtie\u00adren. Beson\u00adders attrak\u00adtiv ist die App f\u00fcr Rei\u00adsen\u00adde, da sie kos\u00adten\u00adg\u00fcns\u00adti\u00adge inter\u00adna\u00adtio\u00adna\u00adle Zah\u00adlun\u00adgen und W\u00e4h\u00adrungs\u00adum\u00adrech\u00adnun\u00adgen in Echt\u00adzeit bietet.<\/p>\n<p><strong>Vor\u00adtei\u00adle:<\/strong> Revo\u00adlut bie\u00adtet fle\u00adxi\u00adble Finanz\u00adl\u00f6\u00adsun\u00adgen, eine bedien\u00adfreund\u00adli\u00adche Ober\u00adfl\u00e4\u00adche und viel\u00adsei\u00adti\u00adge Funk\u00adtio\u00adnen wie Inves\u00adti\u00adtio\u00adnen und Ver\u00adsi\u00adche\u00adrun\u00adgen. Sicher\u00adheit und Trans\u00adpa\u00adrenz ste\u00adhen dabei im&nbsp;Fokus.<\/p>\n<p><strong>Nach\u00adtei\u00adle:<\/strong> Eini\u00adge Pre\u00admi\u00adum-Funk\u00adtio\u00adnen sind kos\u00adten\u00adpflich\u00adtig, und f\u00fcr klas\u00adsi\u00adsche Bank\u00adbe\u00add\u00fcrf\u00adnis\u00adse k\u00f6nn\u00adten die Zusatz\u00adfunk\u00adtio\u00adnen \u00fcber\u00adla\u00adden wirken.<\/p>\n\n\t\t<\/div>\n\t<\/div>\n<\/div><\/div><\/div><\/div><div class=\"vc_row wpb_row vc_row-fluid\"><div class=\"wpb_column vc_column_container vc_col-sm-12\"><div class=\"vc_column-inner\"><div class=\"wpb_wrapper\">    <div class=\"infobox floatr\">\n        <div class=\"infobox-info-icon-container\">\n            <div class=\"infobox-info-icon\"><\/div>\n        <\/div>\n        <div class=\"headline\"><a name=\"tipps-fuer-den-einsatz-von-finanzplanungsapps\"><\/a><h2>Tipps f\u00fcr den Ein\u00adsatz von Finanzplanungsapps<\/h2><\/div>\n\t<div class=\"wpb_text_column wpb_content_element\">\n\t\t<div class=\"wpb_wrapper\">\n\t\t\t<p><strong>Alle Kon\u00adten ver\u00adkn\u00fcp\u00adfen:<\/strong> Je umfas\u00adsen\u00adder die Daten\u00adba\u00adsis ist, des\u00adto genau\u00ader sind die Analysen.<\/p>\n<p><strong>Regel\u00adm\u00e4\u00ad\u00dfi\u00adge Updates:<\/strong> Pr\u00fc\u00adfe min\u00addes\u00adtens ein\u00admal pro Woche ob dei\u00adne Apps auf dem aktu\u00adells\u00adten Stand sind, um auf dem Lau\u00adfen\u00adden zu bleiben.<\/p>\n<p><strong>Auto\u00adma\u00adti\u00adsche Kate\u00adgo\u00adrien anpas\u00adsen:<\/strong> Man\u00adche Apps kate\u00adgo\u00adri\u00adsie\u00adren dei\u00adne Aus\u00adga\u00adben auto\u00adma\u00adtisch, aber nicht immer kor\u00adrekt. Pas\u00adse die\u00adse bei Bedarf manu\u00adell&nbsp;an.<\/p>\n\n\t\t<\/div>\n\t<\/div>\n    <\/div>\n\n    <\/div><\/div><\/div><\/div><div class=\"vc_row wpb_row vc_row-fluid\"><div class=\"wpb_column vc_column_container vc_col-sm-12\"><div class=\"vc_column-inner\"><div class=\"wpb_wrapper\"><div class=\"headline toc--item\"><a name=\"energieeffiziente-geraete-geld-sparen-und-die-umwelt-schonen\"><\/a><h2>Ener\u00adgie\u00adef\u00adfi\u00adzi\u00aden\u00adte Ger\u00e4\u00adte: Geld spa\u00adren und die Umwelt schonen<\/h2><\/div><\/div><\/div><\/div><\/div><div class=\"vc_row wpb_row vc_row-fluid\"><div class=\"wpb_column vc_column_container vc_col-sm-12\"><div class=\"vc_column-inner\"><div class=\"wpb_wrapper\">\n\t<div class=\"wpb_text_column wpb_content_element\">\n\t\t<div class=\"wpb_wrapper\">\n\t\t\t<p>Ener\u00adgie\u00adef\u00adfi\u00adzi\u00aden\u00adte Haus\u00adhalts\u00adge\u00adr\u00e4\u00adte sind eine Inves\u00adti\u00adti\u00adon, die sich lang\u00adfris\u00adtig aus\u00adzahlt. Sie ver\u00adbrau\u00adchen weni\u00adger Strom und Was\u00adser als her\u00adk\u00f6mm\u00adli\u00adche Ger\u00e4\u00adte, wodurch nicht nur die Umwelt geschont, son\u00addern auch die Haus\u00adhalts\u00adkos\u00adten deut\u00adlich redu\u00adziert wer\u00adden. Bei\u00adspiels\u00adwei\u00adse k\u00f6n\u00adnen moder\u00adne K\u00fchl\u00adschr\u00e4n\u00adke, Wasch\u00adma\u00adschi\u00adnen oder Geschirr\u00adsp\u00fc\u00adler mit einer hohen Ener\u00adgie\u00adef\u00adfi\u00adzi\u00adenz\u00adklas\u00adse (A oder bes\u00adser) bis zu 50 % weni\u00adger Ener\u00adgie verbrauchen.<\/p>\n\n\t\t<\/div>\n\t<\/div>\n<\/div><\/div><\/div><\/div><div class=\"vc_row wpb_row vc_row-fluid\"><div class=\"wpb_column vc_column_container vc_col-sm-12\"><div class=\"vc_column-inner\"><div class=\"wpb_wrapper\">  <div class=\"slick-gallery-wrapper gallery-no-padding\" data-number-of-slides=\"1\">\n    <div class=\"slick-gallery should-lightbox \" id=\"slick_gallery_3aV9pPxX6v7Guh7CdMe8\">\n              <figure>\n  <div class=\"img-small-container\">\n    <div class=\"img-small-hover-background\"><\/div>\n    <picture>\n                                <source srcset=\"https:\/\/www.otto.de\/updated\/app\/uploads-webp\/uploads\/2025\/01\/geld-sparen-3-1080x615.jpg.webp?theia_smart_thumbnails_file_version=2\" media=\"(max-width: 360px) and (-webkit-min-device-pixel-ratio: 2.5)\" type=\"image\/webp\">\n                  <source srcset=\"https:\/\/www.otto.de\/updated\/app\/uploads\/2025\/01\/geld-sparen-3-1080x615.jpg?theia_smart_thumbnails_file_version=2\" media=\"(max-width: 360px) and (-webkit-min-device-pixel-ratio: 2.5)\">\n                  <source srcset=\"https:\/\/www.otto.de\/updated\/app\/uploads-webp\/uploads\/2025\/01\/geld-sparen-3-720x410.jpg.webp?theia_smart_thumbnails_file_version=2\" media=\"(max-width: 360px) and (-webkit-min-device-pixel-ratio: 1.5)\" type=\"image\/webp\">\n                  <source srcset=\"https:\/\/www.otto.de\/updated\/app\/uploads\/2025\/01\/geld-sparen-3-720x410.jpg?theia_smart_thumbnails_file_version=2\" media=\"(max-width: 360px) and (-webkit-min-device-pixel-ratio: 1.5)\">\n                  <source srcset=\"https:\/\/www.otto.de\/updated\/app\/uploads-webp\/uploads\/2025\/01\/geld-sparen-3-360x205.jpg.webp?theia_smart_thumbnails_file_version=2\" media=\"(max-width: 360px)\" type=\"image\/webp\">\n                  <source srcset=\"https:\/\/www.otto.de\/updated\/app\/uploads\/2025\/01\/geld-sparen-3-360x205.jpg?theia_smart_thumbnails_file_version=2\" media=\"(max-width: 360px)\">\n                    <source srcset=\"https:\/\/www.otto.de\/updated\/app\/uploads-webp\/uploads\/2025\/01\/geld-sparen-3-1680x945.jpg.webp?theia_smart_thumbnails_file_version=2\" media=\"(max-width: 560px) and (-webkit-min-device-pixel-ratio: 2.5)\" type=\"image\/webp\">\n                  <source srcset=\"https:\/\/www.otto.de\/updated\/app\/uploads\/2025\/01\/geld-sparen-3-1680x945.jpg?theia_smart_thumbnails_file_version=2\" media=\"(max-width: 560px) and (-webkit-min-device-pixel-ratio: 2.5)\">\n                  <source srcset=\"https:\/\/www.otto.de\/updated\/app\/uploads-webp\/uploads\/2025\/01\/geld-sparen-3-1120x630.jpg.webp?theia_smart_thumbnails_file_version=2\" media=\"(max-width: 560px) and (-webkit-min-device-pixel-ratio: 1.5)\" type=\"image\/webp\">\n                  <source srcset=\"https:\/\/www.otto.de\/updated\/app\/uploads\/2025\/01\/geld-sparen-3-1120x630.jpg?theia_smart_thumbnails_file_version=2\" media=\"(max-width: 560px) and (-webkit-min-device-pixel-ratio: 1.5)\">\n                  <source srcset=\"https:\/\/www.otto.de\/updated\/app\/uploads-webp\/uploads\/2025\/01\/geld-sparen-3-560x315.jpg.webp?theia_smart_thumbnails_file_version=2\" media=\"(max-width: 560px)\" type=\"image\/webp\">\n                  <source srcset=\"https:\/\/www.otto.de\/updated\/app\/uploads\/2025\/01\/geld-sparen-3-560x315.jpg?theia_smart_thumbnails_file_version=2\" media=\"(max-width: 560px)\">\n                    <source srcset=\"https:\/\/www.otto.de\/updated\/app\/uploads-webp\/uploads\/2025\/01\/geld-sparen-3-2304x1296.jpg.webp?theia_smart_thumbnails_file_version=2\" media=\"(max-width: 767px) and (-webkit-min-device-pixel-ratio: 2.5)\" type=\"image\/webp\">\n                  <source srcset=\"https:\/\/www.otto.de\/updated\/app\/uploads\/2025\/01\/geld-sparen-3-2304x1296.jpg?theia_smart_thumbnails_file_version=2\" media=\"(max-width: 767px) and (-webkit-min-device-pixel-ratio: 2.5)\">\n                  <source srcset=\"https:\/\/www.otto.de\/updated\/app\/uploads-webp\/uploads\/2025\/01\/geld-sparen-3-1536x864.jpg.webp?theia_smart_thumbnails_file_version=2\" media=\"(max-width: 767px) and (-webkit-min-device-pixel-ratio: 1.5)\" type=\"image\/webp\">\n                  <source srcset=\"https:\/\/www.otto.de\/updated\/app\/uploads\/2025\/01\/geld-sparen-3-1536x864.jpg?theia_smart_thumbnails_file_version=2\" media=\"(max-width: 767px) and (-webkit-min-device-pixel-ratio: 1.5)\">\n                  <source srcset=\"https:\/\/www.otto.de\/updated\/app\/uploads-webp\/uploads\/2025\/01\/geld-sparen-3-768x432.jpg.webp?theia_smart_thumbnails_file_version=2\" media=\"(max-width: 767px)\" type=\"image\/webp\">\n                  <source srcset=\"https:\/\/www.otto.de\/updated\/app\/uploads\/2025\/01\/geld-sparen-3-768x432.jpg?theia_smart_thumbnails_file_version=2\" media=\"(max-width: 767px)\">\n                    <source srcset=\"https:\/\/www.otto.de\/updated\/app\/uploads-webp\/uploads\/2025\/01\/geld-sparen-3-1680x945.jpg.webp?theia_smart_thumbnails_file_version=2\" media=\"(max-width: 991px) and (-webkit-min-device-pixel-ratio: 2.5)\" type=\"image\/webp\">\n                  <source srcset=\"https:\/\/www.otto.de\/updated\/app\/uploads\/2025\/01\/geld-sparen-3-1680x945.jpg?theia_smart_thumbnails_file_version=2\" media=\"(max-width: 991px) and (-webkit-min-device-pixel-ratio: 2.5)\">\n                  <source srcset=\"https:\/\/www.otto.de\/updated\/app\/uploads-webp\/uploads\/2025\/01\/geld-sparen-3-1120x630.jpg.webp?theia_smart_thumbnails_file_version=2\" media=\"(max-width: 991px) and (-webkit-min-device-pixel-ratio: 1.5)\" type=\"image\/webp\">\n                  <source srcset=\"https:\/\/www.otto.de\/updated\/app\/uploads\/2025\/01\/geld-sparen-3-1120x630.jpg?theia_smart_thumbnails_file_version=2\" media=\"(max-width: 991px) and (-webkit-min-device-pixel-ratio: 1.5)\">\n                  <source srcset=\"https:\/\/www.otto.de\/updated\/app\/uploads-webp\/uploads\/2025\/01\/geld-sparen-3-560x315.jpg.webp?theia_smart_thumbnails_file_version=2\" media=\"(max-width: 991px)\" type=\"image\/webp\">\n                  <source srcset=\"https:\/\/www.otto.de\/updated\/app\/uploads\/2025\/01\/geld-sparen-3-560x315.jpg?theia_smart_thumbnails_file_version=2\" media=\"(max-width: 991px)\">\n        <source srcset=\"https:\/\/www.otto.de\/updated\/app\/uploads-webp\/uploads\/2025\/01\/geld-sparen-3-2304x1296.jpg.webp?theia_smart_thumbnails_file_version=2\" media=\"(-webkit-min-device-pixel-ratio: 2.5)\" type=\"image\/webp\">\n  <source srcset=\"https:\/\/www.otto.de\/updated\/app\/uploads\/2025\/01\/geld-sparen-3-2304x1296.jpg?theia_smart_thumbnails_file_version=2\" media=\"(-webkit-min-device-pixel-ratio: 2.5)\">\n  <source srcset=\"https:\/\/www.otto.de\/updated\/app\/uploads-webp\/uploads\/2025\/01\/geld-sparen-3-1536x864.jpg.webp?theia_smart_thumbnails_file_version=2\" media=\"(-webkit-min-device-pixel-ratio: 1.5)\" type=\"image\/webp\">\n  <source srcset=\"https:\/\/www.otto.de\/updated\/app\/uploads\/2025\/01\/geld-sparen-3-1536x864.jpg?theia_smart_thumbnails_file_version=2\" media=\"(-webkit-min-device-pixel-ratio: 1.5)\">\n  <source srcset=\"https:\/\/www.otto.de\/updated\/app\/uploads-webp\/uploads\/2025\/01\/geld-sparen-3-768x432.jpg.webp?theia_smart_thumbnails_file_version=2\" type=\"image\/webp\">\n  <img loading=\"lazy\" decoding=\"async\" src=\"https:\/\/www.otto.de\/updated\/app\/uploads\/2025\/01\/geld-sparen-3-768x432.jpg?theia_smart_thumbnails_file_version=2\" width=\"768\" height=\"432\" title=\"Geld sparen, Diese Apps und Ger\u00e4te helfen dir dabei\" alt=\"Eine Person schraubt eine Gl\u00fchbirne in eine, an der Decke h\u00e4ngende, Lampe.\" class=\"img-responsive img-small\" data-copyright=\"\u00a9 2025 Getty Images\" data-post-excerpt=\"Langlebig und sparsam: Von energieeffizienten Ger\u00e4ten im Alltag profitierst du mittelfristig \u2013 auch wenn sie in der Anschaffung erstmal h\u00f6here Kosten bedeuten.\" data-light-value=\"dark\" data-zoom-width=\"2560\" data-zoom-height=\"1707\" data-zoom-src=\"https:\/\/www.otto.de\/updated\/app\/uploads\/2025\/01\/geld-sparen-3.jpg\">\n                    <div class=\"caption dark\">\n          <small>\n            \u00a9 2025 Get\u00adty Images&nbsp;<\/small>\n        <\/div>\n          <\/picture>\n  <\/div>\n      <figcaption class=\"post-excerpt\">\n      Lang\u00adle\u00adbig und spar\u00adsam: Von ener\u00adgie\u00adef\u00adfi\u00adzi\u00aden\u00adten Ger\u00e4\u00adten im All\u00adtag pro\u00adfi\u00adtierst du mit\u00adtel\u00adfris\u00adtig \u2013 auch wenn sie in der Anschaf\u00adfung erst\u00admal h\u00f6he\u00adre Kos\u00adten bedeuten.&nbsp;<\/figcaption>\n  <\/figure>\n          <\/div>\n    <div class=\"progress-bars\"><\/div>\n    <div class=\"zoom-icon-wrapper\">\n      <div class=\"zoom-icon\"><\/div>\n    <\/div>\n  <\/div>\n<\/div><\/div><\/div><\/div><div class=\"vc_row wpb_row vc_row-fluid\"><div class=\"wpb_column vc_column_container vc_col-sm-12\"><div class=\"vc_column-inner\"><div class=\"wpb_wrapper\">\n\t<div class=\"wpb_text_column wpb_content_element\">\n\t\t<div class=\"wpb_wrapper\">\n\t\t\t<p>Zwar sind die Kos\u00adten f\u00fcr ener\u00adgie\u00adef\u00adfi\u00adzi\u00aden\u00adte Ger\u00e4\u00adte in der Anschaf\u00adfung recht hoch, doch die Ein\u00adspa\u00adrun\u00adgen bei den lau\u00adfen\u00adden Betriebs\u00adkos\u00adten glei\u00adchen dies meist in weni\u00adgen Jah\u00adren aus. Au\u00dfer\u00addem bie\u00adten eini\u00adge L\u00e4n\u00adder F\u00f6r\u00adder\u00adpro\u00adgram\u00adme oder Steu\u00ader\u00adver\u00adg\u00fcns\u00adti\u00adgun\u00adgen f\u00fcr den Kauf sol\u00adcher Ger\u00e4\u00adte&nbsp;an.<\/p>\n<p>Zus\u00e4tz\u00adlich tra\u00adgen ener\u00adgie\u00adef\u00adfi\u00adzi\u00aden\u00adte Ger\u00e4\u00adte zur Scho\u00adnung der Res\u00adsour\u00adcen bei, da sie oft lang\u00adle\u00adbi\u00adger und nach\u00adhal\u00adti\u00adger pro\u00addu\u00adziert wer\u00adden. So sparst du nicht nur Geld, son\u00addern leis\u00adtest auch einen akti\u00adven Bei\u00adtrag zum Kli\u00adma\u00adschutz. Ein bewuss\u00adter Blick auf den Ener\u00adgie\u00adver\u00adbrauch beim Ger\u00e4\u00adte\u00adkauf lohnt sich also doppelt.<\/p>\n\n\t\t<\/div>\n\t<\/div>\n<\/div><\/div><\/div><\/div><div class=\"vc_row wpb_row vc_row-fluid\"><div class=\"wpb_column vc_column_container vc_col-sm-12\"><div class=\"vc_column-inner\"><div class=\"wpb_wrapper\"><div class=\"headline\"><a name=\"beispiele-fuer-energieeffiziente-geraete\"><\/a><h3>Bei\u00adspie\u00adle f\u00fcr ener\u00adgie\u00adef\u00adfi\u00adzi\u00aden\u00adte Ger\u00e4te<\/h3><\/div><\/div><\/div><\/div><\/div><div class=\"vc_row wpb_row vc_row-fluid\"><div class=\"wpb_column vc_column_container vc_col-sm-12\"><div class=\"vc_column-inner\"><div class=\"wpb_wrapper\">\n\t<div class=\"wpb_text_column wpb_content_element\">\n\t\t<div class=\"wpb_wrapper\">\n\t\t\t<p><strong>LED-Lam\u00adpen:<\/strong> LED-Lam\u00adpen ver\u00adbrau\u00adchen bis zu 90 % weni\u00adger Ener\u00adgie als Lam\u00adpen mit her\u00adk\u00f6mm\u00adli\u00adchen Gl\u00fch\u00adbir\u00adnen oder Halo\u00adgen\u00adlam\u00adpen und hal\u00adten bis zu 25-mal l\u00e4n\u00adger. Ihr gerin\u00adger Strom\u00adver\u00adbrauch und die lan\u00adge Lebens\u00addau\u00ader spa\u00adren Geld und redu\u00adzie\u00adren M\u00fcll. Zus\u00e4tz\u00adlich erzeu\u00adgen sie weni\u00adger W\u00e4r\u00adme, was den K\u00fchl\u00adbe\u00addarf im Som\u00admer sen\u00adken kann. Trotz h\u00f6he\u00adrer Anschaf\u00adfungs\u00adkos\u00adten amor\u00adti\u00adsie\u00adren sich LEDs schnell und bie\u00adten eine viel\u00adsei\u00adti\u00adge Beleuch\u00adtung f\u00fcr jeden Bedarf \u2013 ein Gewinn f\u00fcr den Geld\u00adbeu\u00adtel und die Umwelt.<\/p>\n\n\t\t<\/div>\n\t<\/div>\n<\/div><\/div><\/div><\/div><div class=\"vc_row wpb_row vc_row-fluid\"><div class=\"wpb_column vc_column_container vc_col-sm-12\"><div class=\"vc_column-inner\"><div class=\"wpb_wrapper\"><div class=\"snippeteer-slider\" data-snippet=\"Updated_8626\">\n  <div class=\"slider\" id=\"slider_Updated_8626\" data-slick=\"{&quot;autoplay&quot;:false,&quot;arrows&quot;:true,&quot;dots&quot;:false,&quot;infinite&quot;:false,&quot;slidesToShow&quot;:3,&quot;slidesToScroll&quot;:1,&quot;centerMode&quot;:false,&quot;centerPadding&quot;:&quot;0px&quot;}\">\n    <div class=\"slider__slide\">\n      <div class=\"teaser-headline-block\">\n        <div class=\"teaser-headline\">\n          Pas\u00adsend&nbsp;dazu&nbsp;<\/div>\n      <\/div>\n      <a class=\"link\" target=\"_blank\">\n        <div class=\"product-image-container\">\n          <img class=\"product-image\">\n        <\/div>\n        <div class=\"brand\"><\/div>\n        <div class=\"title\"><\/div>\n        <div class=\"price-and-button-container\">\n          <div class=\"price\">\n            <div class=\"old-price thousand-seperators\"><\/div>\n            <div class=\"current-price thousand-seperators\"><\/div>\n          <\/div>\n          <div class=\"bottom\">\n            <div class=\"call-to-action\">\n              <div class=\"button\">\n                Jetzt kaufen&nbsp;<\/div>\n            <\/div>\n          <\/div>\n        <\/div>\n      <\/a>\n    <\/div>\n  <\/div>\n<\/div>\n<\/div><\/div><\/div><\/div><div class=\"vc_row wpb_row vc_row-fluid\"><div class=\"wpb_column vc_column_container vc_col-sm-12\"><div class=\"vc_column-inner\"><div class=\"wpb_wrapper\">\n\t<div class=\"wpb_text_column wpb_content_element\">\n\t\t<div class=\"wpb_wrapper\">\n\t\t\t<p><strong>Ener\u00adgie\u00adef\u00adfi\u00adzi\u00aden\u00adte K\u00fchl\u00adge\u00adr\u00e4\u00adte:<\/strong> K\u00fchl\u00adge\u00adr\u00e4\u00adte der Klas\u00adse A ver\u00adbrau\u00adchen bis zu 60 % weni\u00adger Strom als \u00e4lte\u00adre Model\u00adle und sen\u00adken so die Strom\u00adkos\u00adten sp\u00fcr\u00adbar. Trotz h\u00f6he\u00adrer Anschaf\u00adfungs\u00adkos\u00adten ren\u00adtie\u00adren sie sich durch die Ein\u00adspa\u00adrun\u00adgen schnell. Effi\u00adzi\u00aden\u00adte Ger\u00e4\u00adte arbei\u00adten lei\u00adser, lang\u00adle\u00adbi\u00adger und scho\u00adnen die Umwelt. Wich\u00adtig: W\u00e4h\u00adle ein Ger\u00e4t, das zu dei\u00adnem Haus\u00adhalts\u00adbe\u00addarf passt, um unn\u00f6\u00adti\u00adgen Ener\u00adgie\u00adver\u00adbrauch zu vermeiden.<\/p>\n\n\t\t<\/div>\n\t<\/div>\n<\/div><\/div><\/div><\/div><div class=\"vc_row wpb_row vc_row-fluid\"><div class=\"wpb_column vc_column_container vc_col-sm-12\"><div class=\"vc_column-inner\"><div class=\"wpb_wrapper\"><div class=\"snippeteer-slider\" data-snippet=\"Updated_8627\">\n  <div class=\"slider\" id=\"slider_Updated_8627\" data-slick=\"{&quot;autoplay&quot;:false,&quot;arrows&quot;:true,&quot;dots&quot;:false,&quot;infinite&quot;:false,&quot;slidesToShow&quot;:3,&quot;slidesToScroll&quot;:1,&quot;centerMode&quot;:false,&quot;centerPadding&quot;:&quot;0px&quot;}\">\n    <div class=\"slider__slide\">\n      <div class=\"teaser-headline-block\">\n        <div class=\"teaser-headline\">\n          Pas\u00adsend&nbsp;dazu&nbsp;<\/div>\n      <\/div>\n      <a class=\"link\" target=\"_blank\">\n        <div class=\"product-image-container\">\n          <img class=\"product-image\">\n        <\/div>\n        <div class=\"brand\"><\/div>\n        <div class=\"title\"><\/div>\n        <div class=\"price-and-button-container\">\n          <div class=\"price\">\n            <div class=\"old-price thousand-seperators\"><\/div>\n            <div class=\"current-price thousand-seperators\"><\/div>\n          <\/div>\n          <div class=\"bottom\">\n            <div class=\"call-to-action\">\n              <div class=\"button\">\n                Jetzt kaufen&nbsp;<\/div>\n            <\/div>\n          <\/div>\n        <\/div>\n      <\/a>\n    <\/div>\n  <\/div>\n<\/div>\n<\/div><\/div><\/div><\/div><div class=\"vc_row wpb_row vc_row-fluid\"><div class=\"wpb_column vc_column_container vc_col-sm-12\"><div class=\"vc_column-inner\"><div class=\"wpb_wrapper\">\n\t<div class=\"wpb_text_column wpb_content_element\">\n\t\t<div class=\"wpb_wrapper\">\n\t\t\t<p><strong>Wasch\u00adma\u00adschi\u00adnen- und Sp\u00fcl\u00adma\u00adschi\u00adnen mit Spar\u00adpro\u00adgram\u00admen:<\/strong> Sie opti\u00admie\u00adren Was\u00adser- und Ener\u00adgie\u00adver\u00adbrauch, indem sie die\u00adse an die Bela\u00addung anpas\u00adsen. Das spart nicht nur Strom und Was\u00adser, son\u00addern senkt auch die Betriebs\u00adkos\u00adten erheb\u00adlich. Beson\u00adders f\u00fcr klei\u00adne Haus\u00adhal\u00adte oder h\u00e4u\u00adfi\u00adge Teil\u00adbe\u00adla\u00addun\u00adgen sind die\u00adse Ger\u00e4\u00adte&nbsp;ideal.<\/p>\n\n\t\t<\/div>\n\t<\/div>\n<\/div><\/div><\/div><\/div><div class=\"vc_row wpb_row vc_row-fluid\"><div class=\"wpb_column vc_column_container vc_col-sm-12\"><div class=\"vc_column-inner\"><div class=\"wpb_wrapper\"><div class=\"snippeteer-slider\" data-snippet=\"Updated_8628\">\n  <div class=\"slider\" id=\"slider_Updated_8628\" data-slick=\"{&quot;autoplay&quot;:false,&quot;arrows&quot;:true,&quot;dots&quot;:false,&quot;infinite&quot;:false,&quot;slidesToShow&quot;:3,&quot;slidesToScroll&quot;:1,&quot;centerMode&quot;:false,&quot;centerPadding&quot;:&quot;0px&quot;}\">\n    <div class=\"slider__slide\">\n      <div class=\"teaser-headline-block\">\n        <div class=\"teaser-headline\">\n          Pas\u00adsend&nbsp;dazu&nbsp;<\/div>\n      <\/div>\n      <a class=\"link\" target=\"_blank\">\n        <div class=\"product-image-container\">\n          <img class=\"product-image\">\n        <\/div>\n        <div class=\"brand\"><\/div>\n        <div class=\"title\"><\/div>\n        <div class=\"price-and-button-container\">\n          <div class=\"price\">\n            <div class=\"old-price thousand-seperators\"><\/div>\n            <div class=\"current-price thousand-seperators\"><\/div>\n          <\/div>\n          <div class=\"bottom\">\n            <div class=\"call-to-action\">\n              <div class=\"button\">\n                Jetzt kaufen&nbsp;<\/div>\n            <\/div>\n          <\/div>\n        <\/div>\n      <\/a>\n    <\/div>\n  <\/div>\n<\/div>\n<\/div><\/div><\/div><\/div><div class=\"vc_row wpb_row vc_row-fluid\"><div class=\"wpb_column vc_column_container vc_col-sm-12\"><div class=\"vc_column-inner\"><div class=\"wpb_wrapper\">\n\t<div class=\"wpb_text_column wpb_content_element\">\n\t\t<div class=\"wpb_wrapper\">\n\t\t\t<p><strong>Smar\u00adte Ther\u00admo\u00adsta\u00adte:<\/strong> Sie pas\u00adsen die Heiz\u00adleis\u00adtung auto\u00adma\u00adtisch an dei\u00adne Gewohn\u00adhei\u00adten und die Raum\u00adtem\u00adpe\u00adra\u00adtur an. So ver\u00admei\u00addest du unn\u00f6\u00adti\u00adgen Ener\u00adgie\u00adver\u00adbrauch und sparst sp\u00fcr\u00adbar Heiz\u00adkos\u00adten. Sie sind ein\u00adfach zu pro\u00adgram\u00admie\u00adren und k\u00f6n\u00adnen oft per App gesteu\u00adert wer\u00adden, was zus\u00e4tz\u00adli\u00adche Fle\u00adxi\u00adbi\u00adli\u00adt\u00e4t bie\u00adtet. Eine smar\u00adte L\u00f6sung, die Kom\u00adfort und Umwelt\u00adschutz verbindet.<\/p>\n\n\t\t<\/div>\n\t<\/div>\n<\/div><\/div><\/div><\/div><div class=\"vc_row wpb_row vc_row-fluid\"><div class=\"wpb_column vc_column_container vc_col-sm-12\"><div class=\"vc_column-inner\"><div class=\"wpb_wrapper\"><div class=\"snippeteer-slider\" data-snippet=\"Updated_8629\">\n  <div class=\"slider\" id=\"slider_Updated_8629\" data-slick=\"{&quot;autoplay&quot;:false,&quot;arrows&quot;:true,&quot;dots&quot;:false,&quot;infinite&quot;:false,&quot;slidesToShow&quot;:3,&quot;slidesToScroll&quot;:1,&quot;centerMode&quot;:false,&quot;centerPadding&quot;:&quot;0px&quot;}\">\n    <div class=\"slider__slide\">\n      <div class=\"teaser-headline-block\">\n        <div class=\"teaser-headline\">\n          Pas\u00adsend&nbsp;dazu&nbsp;<\/div>\n      <\/div>\n      <a class=\"link\" target=\"_blank\">\n        <div class=\"product-image-container\">\n          <img class=\"product-image\">\n        <\/div>\n        <div class=\"brand\"><\/div>\n        <div class=\"title\"><\/div>\n        <div class=\"price-and-button-container\">\n          <div class=\"price\">\n            <div class=\"old-price thousand-seperators\"><\/div>\n            <div class=\"current-price thousand-seperators\"><\/div>\n          <\/div>\n          <div class=\"bottom\">\n            <div class=\"call-to-action\">\n              <div class=\"button\">\n                Jetzt kaufen&nbsp;<\/div>\n            <\/div>\n          <\/div>\n        <\/div>\n      <\/a>\n    <\/div>\n  <\/div>\n<\/div>\n<\/div><\/div><\/div><\/div><div class=\"vc_row wpb_row vc_row-fluid\"><div class=\"wpb_column vc_column_container vc_col-sm-12\"><div class=\"vc_column-inner\"><div class=\"wpb_wrapper\">    <div class=\"infobox floatr\">\n        <div class=\"infobox-info-icon-container\">\n            <div class=\"infobox-info-icon\"><\/div>\n        <\/div>\n        <div class=\"headline\"><a name=\"tipps-zur-auswahl-und-nutzung\"><\/a><h2>Tipps zur Aus\u00adwahl und Nutzung<\/h2><\/div>\n\t<div class=\"wpb_text_column wpb_content_element\">\n\t\t<div class=\"wpb_wrapper\">\n\t\t\t<p>Ach\u00adte auf Sie\u00adgel: Das EU-Ener\u00adgie\u00adla\u00adbel gibt dir eine kla\u00adre Orientierungshilfe.<\/p>\n<p><strong>Ver\u00admei\u00adde Stand\u00adby:<\/strong> Auch im Stand\u00adby-Modus ver\u00adbrau\u00adchen Ger\u00e4\u00adte Strom. Nut\u00adze Steck\u00addo\u00adsen\u00adleis\u00adten mit Schalter.<\/p>\n<p><strong>War\u00adte regel\u00adm\u00e4\u00ad\u00dfig:<\/strong> Ent\u00adkalk\u00adte Ger\u00e4\u00adte wie Wasch\u00adma\u00adschi\u00adnen und Geschirr\u00adsp\u00fc\u00adler arbei\u00adten effi\u00adzi\u00aden\u00adter und hal\u00adten l\u00e4nger.<\/p>\n<p><strong>Tau\u00adsche alte Ger\u00e4\u00adte aus:<\/strong> Inves\u00adtie\u00adre in neue, ener\u00adgie\u00adef\u00adfi\u00adzi\u00aden\u00adte Ger\u00e4\u00adte \u2013 die Erspar\u00adnis bei den Betriebs\u00adkos\u00adten macht die Anschaf\u00adfung oft schnell wie\u00adder&nbsp;wett.<\/p>\n\n\t\t<\/div>\n\t<\/div>\n    <\/div>\n\n    <\/div><\/div><\/div><\/div><div class=\"vc_row wpb_row vc_row-fluid\"><div class=\"wpb_column vc_column_container vc_col-sm-12\"><div class=\"vc_column-inner\"><div class=\"wpb_wrapper\"><div class=\"headline toc--item\"><a name=\"zusaetzliche-tipps-und-tricks\"><\/a><h2>Zus\u00e4tz\u00adli\u00adche Tipps und Tricks<\/h2><\/div><\/div><\/div><\/div><\/div><div class=\"vc_row wpb_row vc_row-fluid\"><div class=\"wpb_column vc_column_container vc_col-sm-12\"><div class=\"vc_column-inner\"><div class=\"wpb_wrapper\">\n\t<div class=\"wpb_text_column wpb_content_element\">\n\t\t<div class=\"wpb_wrapper\">\n\t\t\t<h3>Spa\u00adren im Haushalt<\/h3>\n<ul>\n<li>Eigen\u00admar\u00adken bevor\u00adzu\u00adgen: Pro\u00adduk\u00adte von Han\u00addels\u00admar\u00adken sind oft genau\u00adso gut wie Mar\u00adken\u00adpro\u00adduk\u00adte, aber deut\u00adlich g\u00fcnstiger.<\/li>\n<li>Meal Prep: Pla\u00adne dei\u00adne Mahl\u00adzei\u00adten im Vor\u00adaus und koche gr\u00f6\u00ad\u00dfe\u00adre Men\u00adgen, um sie zum Bei\u00adspiel mit ins B\u00fcro zu neh\u00admen. Das spart Zeit und&nbsp;Geld.<\/li>\n<li>Was\u00adser spa\u00adren: Instal\u00adlie\u00adre Durch\u00adfluss\u00adbe\u00adgren\u00adzer und nut\u00adze Spar\u00adpro\u00adgram\u00adme bei Geschirr\u00adsp\u00fc\u00adler und Waschmaschine.<\/li>\n<li>Second-Hand-M\u00f6bel: Anstatt teu\u00adre neue M\u00f6bel zu kau\u00adfen, schaue nach hoch\u00adwer\u00adti\u00adgen gebrauch\u00adten St\u00fccken.<\/li>\n<\/ul>\n<h3>Spa\u00adren in der Freizeit<\/h3>\n<ul>\n<li>Biblio\u00adthe\u00adken nut\u00adzen: Statt B\u00fccher oder Fil\u00adme zu kau\u00adfen, kannst du sie ausleihen.<\/li>\n<li>Gebraucht kau\u00adfen: Platt\u00adfor\u00admen wie Klein\u00adan\u00adzei\u00adgen oder Vin\u00adted bie\u00adten g\u00fcns\u00adti\u00adge Alter\u00adna\u00adti\u00adven zu Neuware.<\/li>\n<li>Gra\u00adtis-Events: Vie\u00adle St\u00e4d\u00adte bie\u00adten kos\u00adten\u00adlo\u00adse Ver\u00adan\u00adstal\u00adtun\u00adgen wie Kon\u00adzer\u00adte oder Aus\u00adstel\u00adlun\u00adgen&nbsp;an.<\/li>\n<li>Sha\u00adring-Ange\u00adbo\u00adte: Car\u00adsha\u00adring oder Tool-Sha\u00adring sind g\u00fcns\u00adti\u00adge Alter\u00adna\u00adti\u00adven zum Kauf von Autos oder Ger\u00e4\u00adten, die du nur sel\u00adten&nbsp;nutzt.<\/li>\n<\/ul>\n<h3>Digi\u00adta\u00adle Tools zum Sparen<\/h3>\n<ul>\n<li>Preis\u00adver\u00adgleichs-Apps: Anwen\u00addun\u00adgen wie Idea\u00adlo oder Goog\u00adle Shop\u00adping hel\u00adfen dir, den bes\u00adten Preis f\u00fcr Pro\u00adduk\u00adte zu finden.<\/li>\n<li>Schn\u00e4pp\u00adchen\u00adpor\u00adta\u00adle: Web\u00adsei\u00adten wie Myde\u00adalz bie\u00adten t\u00e4g\u00adlich Ange\u00adbo\u00adte und Rabat\u00adte, die dir beim Spa\u00adren hel\u00adfen k\u00f6nnen.<\/li>\n<li>Abo-Tra\u00adcker: Ver\u00adlie\u00adre kei\u00adne unn\u00f6\u00adti\u00adgen Kos\u00adten durch ver\u00adges\u00adse\u00adne Abos. Apps wie Sub\u00adby oder True\u00adbill geben dir den \u00dcberblick.<\/li>\n<\/ul>\n\n\t\t<\/div>\n\t<\/div>\n<\/div><\/div><\/div><\/div><div class=\"vc_row wpb_row vc_row-fluid\"><div class=\"wpb_column vc_column_container vc_col-sm-12\"><div class=\"vc_column-inner\"><div class=\"wpb_wrapper\"><div class=\"headline\"><a name=\"fazit-kleine-schritte-grosse-wirkung\"><\/a><h2>Fazit: Klei\u00adne Schrit\u00adte, gro\u00ad\u00dfe Wirkung<\/h2><\/div><\/div><\/div><\/div><\/div><div class=\"vc_row wpb_row vc_row-fluid\"><div class=\"wpb_column vc_column_container vc_col-sm-12\"><div class=\"vc_column-inner\"><div class=\"wpb_wrapper\">\n\t<div class=\"wpb_text_column wpb_content_element\">\n\t\t<div class=\"wpb_wrapper\">\n\t\t\t<p>Geld spa\u00adren muss nicht kom\u00adpli\u00adziert sein. Mit den rich\u00adti\u00adgen Apps, ener\u00adgie\u00adef\u00adfi\u00adzi\u00aden\u00adten Ger\u00e4\u00adten und ein paar cle\u00adve\u00adren Tricks kannst du im All\u00adtag viel bewir\u00adken. Ob du nun Cash\u00adback-Pro\u00adgram\u00adme nutzt, dei\u00adne Finan\u00adzen mit Apps orga\u00adni\u00adsierst oder im Haus\u00adhalt auf spar\u00adsa\u00adme Ger\u00e4\u00adte setzt \u2013 wich\u00adtig ist, dass du dran\u00adbleibst und kon\u00adti\u00adnu\u00adier\u00adlich nach Opti\u00admie\u00adrungs\u00adm\u00f6g\u00adlich\u00adkei\u00adten suchst. So kannst du nicht nur Geld spa\u00adren, son\u00addern auch bewuss\u00adter und nach\u00adhal\u00adti\u00adger leben. Mit die\u00adsen Metho\u00adden, die von digi\u00adta\u00adler Finanz\u00adpla\u00adnung bis hin zu res\u00adsour\u00adcen\u00adspa\u00adren\u00adden Tech\u00adno\u00adlo\u00adgien rei\u00adchen, kannst du vor allem mit\u00adtel- bis lang\u00adfris\u00adtig und \u00fcber ver\u00adschie\u00adde\u00adne Lebens\u00adbe\u00adrei\u00adche hin\u00adweg pro\u00adfi\u00adtie\u00adren. Nut\u00adze die heu\u00adti\u00adgen M\u00f6g\u00adlich\u00adkei\u00adten und genie\u00ad\u00dfe mehr finan\u00adzi\u00adel\u00adle Frei\u00adheit \u2013 ohne auf Lebens\u00adqua\u00adli\u00adt\u00e4t ver\u00adzich\u00adten zu m\u00fcssen.<\/p>\n\n\t\t<\/div>\n\t<\/div>\n<\/div><\/div><\/div><\/div>\n<\/div>","protected":false},"excerpt":{"rendered":"Du wirfst am Ende des Monats einen Blick auf dein Kon\u00adto und fragst dich, wohin das gan\u00adze Geld ver\u00adschwun\u00adden ist? Das kommt dir bekannt vor? Dann k\u00f6n\u00adnen wir dir even\u00adtu\u00adell hel\u00adfen. Denn: Ob im Haus\u00adhalt, in der Frei\u00adzeit oder beim Ein\u00adkau\u00adfen \u2013 das Leben ist zwar teu\u00ader, doch \u00fcber\u00adall gibt es Ein\u00adspar\u00adpo\u00adten\u00adzia\u00adle, die oft ungenutzt&nbsp;[\u2026]","protected":false},"author":140,"featured_media":102842,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"wp_typography_post_enhancements_disabled":false,"footnotes":""},"categories":[35449,35450,35448,35472],"tags":[],"class_list":["post-102998","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-haus-garten","category-haushalt","category-live-relax","category-software"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v25.1 (Yoast SEO v25.1) - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Geld sparen: Diese Apps und Ger\u00e4te helfen dir dabei | UPDATED<\/title>\n<meta name=\"robots\" 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