{"id":303,"date":"2021-11-02T00:55:07","date_gmt":"2021-11-02T00:55:07","guid":{"rendered":"https:\/\/integration.ow.ch\/?page_id=303"},"modified":"2026-01-14T18:36:16","modified_gmt":"2026-01-14T17:36:16","slug":"finanzen","status":"publish","type":"page","link":"https:\/\/integration.ow.ch\/en\/finanzen\/","title":{"rendered":"Finance"},"content":{"rendered":"<h1 class=\"wp-block-heading\">Finance<\/h1>\n\n\n\n<h2 class=\"wp-block-heading\">Account and budget<\/h2>\n\n\n\n<div class=\"wp-block-columns is-layout-flex wp-container-core-columns-is-layout-7387b849 wp-block-columns-is-layout-flex\">\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\"><\/div>\n\n\n\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\"><\/div>\n<\/div>\n\n\n\n<h3 class=\"wp-block-heading\">Questions:<\/h3>\n\n\n\n<div class=\"wp-block-quick-and-easy-faqs-faqs-accordion-orderby-title-asc\">            <div class=\"qae-faqs-container qae-faqs-toggle-container\">\n\t\t\t\t\t\t\t<ul class=\"qe-faqs-filters-container\">\n\t\t\t\t<li class=\"active\"><a class=\"qe-faqs-filter all-faqs\" href=\"#\" data-filter=\"*\">All<\/a><\/li>\n\t\t\t\t<li><a class=\"qe-faqs-filter\" href=\"#Konto und Budget\" data-filter=\".Konto und Budget\">Account and budget<\/a><\/li>\t\t\t<\/ul>\n\t\t\t\t\t<div id=\"qaef-692\" class=\"qe-faq-toggle konto-und-budget\">\n\t\t\t<div class=\"qe-toggle-title\">\n\t\t\t\t<h4>\n\t\t\t\t\t<i class=\"fa fa-minus-circle\"><\/i> 01. Was kann ich tun, wenn ich Schulden habe?\t\t\t\t<\/h4>\n\t\t\t<\/div>\n\t\t\t<div class=\"qe-toggle-content\">\n\t\t\t\t\n<div class=\"inherit-container-width wp-block-group is-layout-constrained wp-block-group-is-layout-constrained\"><div class=\"wp-block-group__inner-container\">\n<figure class=\"wp-block-image alignleft size-full\"><img decoding=\"async\" loading=\"lazy\" width=\"300\" height=\"203\" src=\"https:\/\/integration.ow.ch\/wp-content\/uploads\/2021\/11\/csm_F8-3_15427176_Alterfalter_04d73c41e5.jpg\" alt=\"\" class=\"wp-image-693\" \/><\/figure>\n\n\n\n<p class=\"wp-block-paragraph\">Schulden k\u00f6nnen schnell \u00fcberfordern. Suchen Sie sich daher Hilfe bei einer professionellen Schuldenberatung wie zu Beispiel die <a href=\"https:\/\/schuldenberatung-luzern.ch\/\">Schuldenberatung in Luzern<\/a> oder der <em><strong><a href=\"https:\/\/www.rsd-obwalden.ch\/\">Regionale Sozialdienst Obwalden (RSD)<\/a><\/strong><\/em>. Die Beratung in Luzern ist kostenlos.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Je fr\u00fcher, desto besser! Denn je l\u00e4nger Sie warten, umso gr\u00f6sser werden die Schulden und Schwierigkeiten.<\/p>\n<\/div><\/div>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div id=\"qaef-679\" class=\"qe-faq-toggle konto-und-budget\">\n\t\t\t<div class=\"qe-toggle-title\">\n\t\t\t\t<h4>\n\t\t\t\t\t<i class=\"fa fa-minus-circle\"><\/i> 02 How can I open a bank or postal account?\t\t\t\t<\/h4>\n\t\t\t<\/div>\n\t\t\t<div class=\"qe-toggle-content\">\n\t\t\t\t\n<div class=\"inherit-container-width wp-block-group is-layout-constrained wp-block-group-is-layout-constrained\"><div class=\"wp-block-group__inner-container\">\n<figure class=\"wp-block-image alignleft size-full is-resized\"><img decoding=\"async\" loading=\"lazy\" width=\"300\" height=\"203\" src=\"https:\/\/integration.ow.ch\/wp-content\/uploads\/2021\/11\/csm_F2-2_DieSchweizerische_Post_1e6c7847a1.jpg\" alt=\"\" class=\"wp-image-680\" style=\"width:300px;height:203px\" \/><\/figure>\n\n\n\n<p class=\"wp-block-paragraph\">Anyone who wants to use the services of a bank or Postfinance needs a&nbsp;<strong>Account.<\/strong>&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">To open an account, you go to your chosen bank or post office and first get advice on the options. Once you have decided and would like to open an account, you must\u00a0<strong>expel<\/strong>. Bringen Sie deshalb Ihren Reisepass und Ausl\u00e4nderausweis mit. Dieser Prozess kann etwas kompliziert sein. Planen Sie deswegen gen\u00fcgend Zeit ein und bringen Sie falls n\u00f6tig eine \u00dcbersetzungshilfe mit. <\/p>\n<\/div><\/div>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div id=\"qaef-681\" class=\"qe-faq-toggle konto-und-budget\">\n\t\t\t<div class=\"qe-toggle-title\">\n\t\t\t\t<h4>\n\t\t\t\t\t<i class=\"fa fa-minus-circle\"><\/i> 03. how can I pay my bills?\t\t\t\t<\/h4>\n\t\t\t<\/div>\n\t\t\t<div class=\"qe-toggle-content\">\n\t\t\t\t\n<div class=\"inherit-container-width wp-block-group is-layout-constrained wp-block-group-is-layout-constrained\"><div class=\"wp-block-group__inner-container\">\n<figure class=\"wp-block-image alignright size-full is-resized\"><img decoding=\"async\" loading=\"lazy\" width=\"300\" height=\"203\" src=\"https:\/\/integration.ow.ch\/wp-content\/uploads\/2021\/11\/csm_F3-1_34422230_djama_1b248b6eb1.jpg\" alt=\"\" class=\"wp-image-682\" style=\"width:300px;height:203px\" \/><\/figure>\n\n\n\n<p class=\"wp-block-paragraph\">Es gibt verschiedene M\u00f6glichkeiten, Ihre Rechnungen zu bezahlen. Wenden Sie sich bei Fragen oder Schwierigkeiten direkt an Ihre Bank: <\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Pay-in slip <\/li>\n\n\n\n<li>at the post office counter <\/li>\n\n\n\n<li>via online banking (computer or smartphone) <\/li>\n\n\n\n<li>Payment order (standing order) <\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">Die Zahlungsfrist von Rechnungen betr\u00e4gt in der Schweiz in der Regel etwa10 bis 30 Tage. Verstreicht diese Frist ohne dass Sie die Rechnung bezahlt haben, so d\u00fcrfen Unternehmen in der Schweiz den Kunden mahnen oder gar betreiben. <br>This can result in high costs. That is why it is important to always pay invoices within the deadline.<\/p>\n<\/div><\/div>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div id=\"qaef-686\" class=\"qe-faq-toggle konto-und-budget\">\n\t\t\t<div class=\"qe-toggle-title\">\n\t\t\t\t<h4>\n\t\t\t\t\t<i class=\"fa fa-minus-circle\"><\/i> 04. Was ist ein Haushaltbudget?\t\t\t\t<\/h4>\n\t\t\t<\/div>\n\t\t\t<div class=\"qe-toggle-content\">\n\t\t\t\t\n<div class=\"inherit-container-width wp-block-group is-layout-constrained wp-block-group-is-layout-constrained\"><div class=\"wp-block-group__inner-container\">\n<figure class=\"wp-block-image alignright size-full is-resized\"><img decoding=\"async\" loading=\"lazy\" width=\"300\" height=\"203\" src=\"https:\/\/integration.ow.ch\/wp-content\/uploads\/2021\/11\/csm_F5-1_26278903_CLUPIXimages_4716de3521.jpg\" alt=\"\" class=\"wp-image-687\" \/><\/figure>\n\n\n\n<p class=\"wp-block-paragraph\">Ein Haushaltsbudget ist eine Art Finanzplan, der alle Einnahmen, Ausgaben und andere Aufwendung eines Haushalts zusammenfasst. Ein solches Budget kann f\u00fcr Sie verschiedene Vorteile haben:<\/p>\n<\/div><\/div>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Order in finances <\/li>\n\n\n\n<li>Man weiss jederzeit wieviel Geld man noch zur Verf\u00fcgung hat <\/li>\n\n\n\n<li>Man weiss, welche geplanten Kosten noch auf einem zukommen <\/li>\n\n\n\n<li>Savings targets can be achieved significantly faster <\/li>\n\n\n\n<li>Schulden k\u00f6nnen vermieden werden <\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">Informationen rund um das Erstellen von Haushaltsbudgets, mit Vorlagen, Umrechnungsm\u00f6glichkeiten und vielem mehr finden Sie bei der\u00a0<em><a href=\"https:\/\/budgetberatung.ch\/privatpersonen\" target=\"_blank\" rel=\"noreferrer noopener\"><strong>Budget advice<\/strong><\/a><\/em>.\u00a0<strong><em><a href=\"https:\/\/budgetberatung.ch\/budgetvorlagen\">Here<\/a><\/em><\/strong> finden Sie einige hilfreiche Vorlagen, um ein Haushaltsbudget zu erstellen.<\/p>\n\t\t\t<\/div>\n\t\t<\/div>\n\t\t            <\/div>\n\t\t<\/div>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>","protected":false},"excerpt":{"rendered":"<p>Finanzen Konto und Budget 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