{"id":3131,"date":"2021-12-13T09:50:39","date_gmt":"2021-12-13T08:50:39","guid":{"rendered":"https:\/\/rwp.codeseed.io\/en\/why-we-overspend-and-how-to-avoid-it"},"modified":"2023-03-06T15:18:12","modified_gmt":"2023-03-06T14:18:12","slug":"warum-wir-zu-viel-ausgeben","status":"publish","type":"post","link":"https:\/\/www.recharge.com\/blog\/de\/at\/warum-wir-zu-viel-ausgeben","title":{"rendered":"Warum wir zu viel ausgeben und was man dagegen tun kann"},"content":{"rendered":"<div data-test-id=\"paragraph\" data-key=\"48\" 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class=\"container mx-auto w-full px-6 md:px-10\">\n<div class=\"flex -mx-1 sm:-mx-2 xl:-mx-3 flex-no-wrap\">\n<div class=\"px-1 sm:px-2 xl:px-3 flex flex-col first:ps-1 last:pe-1 sm:first:ps-2 sm:last:pe-2 xl:first:ps-3 xl:last:pe-3 relative w-full\">\n<div class=\"mb-8\">\n<div class=\"relative w-full \" data-v-3c3148f9=\"\" data-parent-component=\"freeFormat\">\n<p data-v-3c3148f9=\"\"><strong><em>Die Psychologie hinter dem Einkaufsverhalten<\/em><\/strong><\/p>\n<p data-v-3c3148f9=\"\">Gibst du manchmal mehr aus als geplant? Oder kaufst du Dinge, die du gar nicht brauchst? Falls du dein Einkaufsverhalten besser in den Griff kriegen m\u00f6chtest, bist du hier goldrichtig! Wir beleuchten in diesem Artikel die psychologischen Mechanismen hinter dem \u00fcberm\u00e4ssigen Geldausgeben. Und zeigen auf, wie es dir gelingt, weniger auszugeben.<\/p>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<div>\n<div class=\"container mx-auto w-full px-6 md:px-10\">\n<div class=\"flex -mx-1 sm:-mx-2 xl:-mx-3 flex-no-wrap\">\n<div class=\"px-1 sm:px-2 xl:px-3 flex flex-col first:ps-1 last:pe-1 sm:first:ps-2 sm:last:pe-2 xl:first:ps-3 xl:last:pe-3 relative w-full\">\n<div class=\"mb-8\">\n<div>\n<h2 class=\"m-0 text-primary text-lg lg:text-xl font-semibold leading-relaxed lg:leading-loose\" data-test=\"\">Psychologische Gr\u00fcnde, warum wir zu viel ausgeben<\/h2>\n<\/div>\n<div class=\"relative w-full \" data-v-3c3148f9=\"\" data-parent-component=\"freeFormat\">\n<p data-v-3c3148f9=\"\">Drei psychologische Hauptmechanismen stecken hinter dem \u00fcberm\u00e4ssigen Geldausgeben. Dazu geh\u00f6ren das Konzept der mentalen Buchf\u00fchrung, ein fehlendes Bewusstsein f\u00fcr die individuellen Beweggr\u00fcnde, die uns zum Geldausgeben animieren und ein Gedankenmuster, das in kurzfristigen Aktionen resultiert.<\/p>\n<ul data-v-3c3148f9=\"\">\n<li data-v-3c3148f9=\"\">\n<h4><strong data-v-3c3148f9=\"\">Gegenw\u00e4rtige Voreingenommenheit<\/strong><\/h4>\n<\/li>\n<\/ul>\n<p data-v-3c3148f9=\"\">Wer die Zukunft ausser Acht l\u00e4sst und sich nur auf die Befriedigung unmittelbarer Bed\u00fcrfnisse konzentiert, handelt gegenw\u00e4rtig voreingenommen. Ein Beispiel daf\u00fcr sind Menschen, die eine Wohnung kaufen m\u00f6chten, stattdessen aber Luxusartikel erwerben. Sie tun das, weil es in dem Moment befriedigender ist, als zu sparen. Das Konzept der gegenw\u00e4rtigen Voreingenommenheit l\u00e4sst sich auch w\u00e4hrend dem Bestellvorgang erkennen. Wer beispielsweise mit einer Kreditkarte bezahlt, kann kurzfristig Dinge kaufen, die er sich gar nicht leisten kann. Zum Kaufzeitpunkt erscheint das vielleicht nicht als gro\u00dfes Problem, weil die Bezahlung aufgeschoben werden kann. Wenn wir nicht wissen, wir wir unsere Ziele in der Zukunft erreichen k\u00f6nnen, geben wir der gegenw\u00e4rtigen Voreingenommenheit mehr Raum. Wer ohne Plan handelt, l\u00e4uft Gefahr, Dinge zu tun, die man sp\u00e4ter bereut. Dazu geh\u00f6ren Impulsk\u00e4ufe oder \u00fcberm\u00e4\u00dfiges Geldausgeben.<\/p>\n<ul data-v-3c3148f9=\"\">\n<li data-v-3c3148f9=\"\">\n<h4><strong data-v-3c3148f9=\"\">Mentale Buchf\u00fchrung<\/strong><\/h4>\n<\/li>\n<\/ul>\n<p data-v-3c3148f9=\"\">Im Alltag den \u00dcberblick \u00fcber Einnahmen und Ausgaben zu behalten, ist manchmal gar nicht so einfach. Wenn wir uns unserer finanziellen Situation nicht bewusst sind, laufen wir Gefahr, zu viel auszugeben oder Dinge zu kaufen, die wir uns nicht leisten k\u00f6nnen. Leider ist es nicht ausreichend, sich nur im Kopf \u00fcber seine Finanzen im Klaren zu sein. Wenn Ein- und Ausgaben nicht aktiv verwaltet werden, verlieren wir unser Budget schnell aus den Augen. Weisst du, wie viel du f\u00fcr Kleidung, die Miete und Lebensmittel ausgibst? Es ist hilfreich, f\u00fcr die wichtigsten Ausgaben ein Budget zu erstellen. Nehmen wir den Kauf eines teuren Kleidungsst\u00fccks als Beispiel. Passt der Betrag wirklich in dein Budget? Leider gehen beim Einkaufen die Opportunit\u00e4tskosten schnell vergessen. M\u00f6glicherweise kannst du dir ein neues Handy leisten, aber hast du auch an die Kreditkartenrechnung gedacht, die Ende des Monats eintrifft? Wer seine Ausgaben wirklich im Griff behalten will, sollte sich nicht auf die mentale Buchf\u00fchrung verlassen. Viel zu schnell geht dabei der \u00dcberblick \u00fcber die Gesamtsituation verloren. Weiter unten zeigen wir dir, wie du deine Ein- und Ausgaben verwalten kannst.<\/p>\n<ul data-v-3c3148f9=\"\">\n<li data-v-3c3148f9=\"\">\n<h4><strong data-v-3c3148f9=\"\">Fehlendes Bewusstsein f\u00fcr Kaufausl\u00f6ser<\/strong><\/h4>\n<\/li>\n<\/ul>\n<p data-v-3c3148f9=\"\">Deinem Einkaufsverhalten liefern bestimmte Kaufausl\u00f6ser zugrunde \u2013\u00a0das gilt \u00fcbrigens auch f\u00fcr andere Verhaltensweisen. Vielleicht bist du eher geneigt, etwas zu kaufen, wenn du in der Gesellschaft eines bestimmten Freundes bist. Stimmungen, die Tageszeit oder eine bestimmte Umgebung sind weitere Beispiele f\u00fcr einen Kaufausl\u00f6ser. Wenn du diese nicht kennst, l\u00e4ufst du Gefahr, zu viel Geld auszugeben.<\/p>\n<p data-v-3c3148f9=\"\">\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<div>\n<div class=\"container mx-auto w-full md:px-10 px-6\"><img decoding=\"async\" class=\"shareable rsp-img aligncenter\" src=\"https:\/\/www.recharge.com\/9jtl1uxg7ihi\/6ZR0Ya7tODqYlPPI4o2Zmo\/d164087cc50e94f7edf7ab6160340f7c\/DE_Warum_wir_zu_viel_ausgeben.png?fm=png&amp;fl=png8\" alt=\"warum wir zu viel ausgeben\" data-v-3f1ce1a9=\"\" data-src=\"\/\/www.recharge.com\/9jtl1uxg7ihi\/6ZR0Ya7tODqYlPPI4o2Zmo\/d164087cc50e94f7edf7ab6160340f7c\/DE_Warum_wir_zu_viel_ausgeben.png?fm=png&amp;fl=png8\" \/><\/div>\n<\/div>\n<div>\n<div class=\"container mx-auto w-full px-6 md:px-10\">\n<div class=\"flex -mx-1 sm:-mx-2 xl:-mx-3 flex-no-wrap\">\n<div class=\"px-1 sm:px-2 xl:px-3 flex flex-col first:ps-1 last:pe-1 sm:first:ps-2 sm:last:pe-2 xl:first:ps-3 xl:last:pe-3 relative w-full\">\n<div class=\"mb-8\">\n<div>\n<h2 class=\"m-0 text-primary text-lg lg:text-xl font-semibold leading-relaxed lg:leading-loose\" data-test=\"\">Wie du es schaffst, weniger auszugeben<\/h2>\n<\/div>\n<div class=\"relative w-full \" data-v-3c3148f9=\"\" data-parent-component=\"freeFormat\">\n<p data-v-3c3148f9=\"\">Wir geben dir ein paar Tipps an die Hand, mit denen du deinem Ziel, weniger auszugeben, n\u00e4her kommst.<\/p>\n<ul>\n<li><strong data-v-3c3148f9=\"\">Tipp 1: Definiere Meilensteine, damit du deine Ziele erreichst<\/strong><\/li>\n<\/ul>\n<p data-v-3c3148f9=\"\">Wenn du dein Ziel in kleine Einheiten aufteilst, erscheint es dir klarer und machbarer. Viele Schweizer m\u00f6chten sich den Traum eines Eigenheims verwirklichen. Setze dir jedes Jahr ein Sparziel, damit dein Ziel greifbar wird. Nun hast du auch einen Grund, auf Impulsk\u00e4ufe zu verzichten. Zudem wirst du jedes Mal ein gutes Gef\u00fchl haben, wenn du dein Sparziel erreichst. Dieses Gef\u00fchl motiviert dich, weiter zu sparen. Und schon kommst du deinem Ziel wieder einen Schritt n\u00e4her.<\/p>\n<ul>\n<li><strong data-v-3c3148f9=\"\">Tipp 2: Notiere alle deine Ausgaben<\/strong><\/li>\n<\/ul>\n<p data-v-3c3148f9=\"\">Willst du dein Budget besser verwalten? Dann solltest du alle deine Ein- und Ausgaben aufschreiben. Verwende dazu eine einfache Tabelle. Hier findest du z. B. eine\u00a0<a href=\"https:\/\/templates.office.com\/en-us\/personal-monthly-budget-spreadsheet-tm16410113\" target=\"_blank\" rel=\"noopener\" data-v-3c3148f9=\"\">praktische Vorlage f\u00fcr ein Monatsbudget<\/a>. Nat\u00fcrlich kannst du zur Verwaltung deiner Ausgaben auch eine App nutzen. Die App von K-Tipp und Caritas sind in der Schweiz zurzeit besonders beliebt. Im App Store von Apple und im Google Play Store findest du viele Apps, mit denen du deine Ein- und Ausgaben verwalten kannst. Warum die Nutzung einer App besser ist als eine Tabellenkalkulation? Weil du dein Handy immer dabei hast! Nur wenn du deine Ein- und Ausgaben konsequent notierst, gelingt die Budgetplanung.<\/p>\n<ul>\n<li><strong data-v-3c3148f9=\"\">Tipp 3: Nutze ein Einkaufstagebuch<\/strong><\/li>\n<\/ul>\n<p data-v-3c3148f9=\"\">Ein Tagebuch wie in der Schule? Nicht ganz :). Es geht darum, deine Muster zu erkennen. Jedes Mal, wenn du den Drang versp\u00fcrst, etwas zu kaufen, machst du dir eine Notiz in deinem Einkaufstagebuch. Ganz wichtig dabei: Notiere, wo du dich befindest, wie du dich f\u00fchlst, mit wem du zusammen bist, welche Musik l\u00e4uft, etc. Wenn du nach ein paar Tagen oder Wochen deine Kaufausl\u00f6ser erkennst, kannst du damit beginnen, die Ausl\u00f6ser nach und nach zu beseitigen. M\u00f6glicherweise musst du feststellen, dass deine Kreditkarte ein Kaufausl\u00f6ser ist. Hast du schon einmal an eine\u00a0Prepaid-Kreditkarte\u00a0gedacht? Du kannst damit keine Schulden anh\u00e4ufen, weil du die Karte zuvor mit Geld aufladen musst.<\/p>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<p class=\"ais\"><button type=\"button\" class=\"btn btn-success\"><a rel=\"noreferrer\" class=\"button pbtn-link\" rel=\"noreferrer\" href=\"https:\/\/www.recharge.com\/de\/at\/prepaid-credit-cards\">Alle Prepaid-Kreditkarten anzeigen<\/a><\/button><\/p>\n<p>&nbsp;<\/p>\n<\/div>\n<\/div>\n","protected":false},"excerpt":{"rendered":"<p>Willst du weniger kaufen? Dann solltest du die psychologischen Mechanismen hinter dem Geldausgeben verstehen. So l\u00e4uftst du nicht Gefahr, zu viel auszugeben.<\/p>\n","protected":false},"author":3,"featured_media":5532,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"cos_headline_score":0,"cos_seo_score":0,"cos_headline_text":"","cos_headline_has_been_analyzed":false,"cos_last_analyzed_headline":[],"_hreflang_tags":"","footnotes":"","jetpack_publicize_message":"","jetpack_is_tweetstorm":false,"jetpack_publicize_feature_enabled":true,"jetpack_social_post_already_shared":false,"jetpack_social_options":{"image_generator_settings":{"template":"highway","enabled":false}}},"categories":[92,388],"tags":[325],"class_list":["post-3131","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-kluge-ausgaben","category-smart-spending-de","tag-awareness-de"],"jetpack_publicize_connections":[],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v20.4 (Yoast SEO v21.0) - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Warum wir zu viel ausgeben und was man dagegen tun kann<\/title>\n<meta name=\"description\" content=\"Willst du wissen warum wir zu viel ausgeben? Dann solltest du die psychologischen Mechanismen dahinter verstehen. Erfahre mehr hier.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.recharge.com\/blog\/de\/at\/warum-wir-zu-viel-ausgeben\" \/>\n<meta property=\"og:locale\" content=\"de_DE\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Warum wir zu viel ausgeben und was man dagegen tun kann\" \/>\n<meta property=\"og:description\" content=\"Willst du wissen warum wir zu viel ausgeben? Dann solltest du die psychologischen Mechanismen dahinter verstehen. 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