{"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\/fr\/finanzen\/","title":{"rendered":"Finances"},"content":{"rendered":"<h1 class=\"wp-block-heading\">Finances<\/h1>\n\n\n\n<h2 class=\"wp-block-heading\">Compte et budget<\/h2>\n\n\n\n<div class=\"wp-block-columns is-layout-flex wp-container-core-columns-is-layout-28f84493 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=\"*\">Tout<\/a><\/li>\n\t\t\t\t<li><a class=\"qe-faqs-filter\" href=\"#Konto und Budget\" data-filter=\".Konto und Budget\">Compte et 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>Schulden k\u00f6nnen schnell \u00fcberfordern. Suchen Sie sich daher Hilfe bei einer professionellen Schuldenberatung wie zu Beispiel die <strong><em><a href=\"https:\/\/caritas-regio.ch\/angebote\/soziale-rechtliche-unterstuetzung\/schuldenberatung\">Schuldenberatung von Caritas<\/a><\/em><\/strong> oder der <em><strong><a href=\"https:\/\/www.rsd-obwalden.ch\/\">Regionale Sozialdienst Obwalden (RSD)<\/a><\/strong><\/em>.<\/p>\n\n\n\n<p>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><\/p>\n\n\n\n<p><\/p>\n\n\n\n<p><\/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. comment puis-je ouvrir un compte bancaire ou postal ?\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>Les personnes qui souhaitent utiliser les services d'une banque ou de Postfinance ont besoin d'un&nbsp;<strong>compte.<\/strong>&nbsp;<\/p>\n\n\n\n<p>Pour ouvrir un compte, vous vous rendez dans la banque ou \u00e0 la poste que vous avez choisie et vous demandez d'abord conseil sur les possibilit\u00e9s qui s'offrent \u00e0 vous. Une fois que vous avez pris votre d\u00e9cision et que vous souhaitez ouvrir un compte, vous devez\u00a0<strong>d\u00e9signer<\/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><\/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. comment puis-je payer mes factures ?\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>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>Bulletin de versement <\/li>\n\n\n\n<li>au guichet de la poste <\/li>\n\n\n\n<li>par banque en ligne (ordinateur ou smartphone) <\/li>\n\n\n\n<li>Ordre de paiement (ordre permanent) <\/li>\n<\/ul>\n\n\n\n<p>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>Cela peut entra\u00eener des frais \u00e9lev\u00e9s. C'est pourquoi il est important de toujours payer les factures dans les d\u00e9lais.<\/p>\n<\/div><\/div>\n\n\n\n<p><\/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>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>De l'ordre dans les 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>Les objectifs d'\u00e9pargne peuvent \u00eatre atteints beaucoup plus rapidement <\/li>\n\n\n\n<li>Schulden k\u00f6nnen vermieden werden <\/li>\n<\/ul>\n\n\n\n<p>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>Conseils budg\u00e9taires<\/strong><\/a><\/em>.\u00a0<strong><em><a href=\"https:\/\/budgetberatung.ch\/budgetvorlagen\">Ici<\/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><\/p>","protected":false},"excerpt":{"rendered":"<p>Finanzen Konto und Budget Fragen:<\/p>","protected":false},"author":1,"featured_media":675,"parent":0,"menu_order":24,"comment_status":"closed","ping_status":"closed","template":"","meta":{"_uag_custom_page_level_css":"","site-sidebar-layout":"","site-content-layout":"","ast-site-content-layout":"default","site-content-style":"default","site-sidebar-style":"default","ast-global-header-display":"","ast-banner-title-visibility":"","ast-main-header-display":"","ast-hfb-above-header-display":"","ast-hfb-below-header-display":"","ast-hfb-mobile-header-display":"","site-post-title":"","ast-breadcrumbs-content":"","ast-featured-img":"disabled","footer-sml-layout":"","ast-disable-related-posts":"","theme-transparent-header-meta":"","adv-header-id-meta":"","stick-header-meta":"","header-above-stick-meta":"","header-main-stick-meta":"","header-below-stick-meta":"","astra-migrate-meta-layouts":"set","ast-page-background-enabled":"default","ast-page-background-meta":{"desktop":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center 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