{"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\/it\/finanzen\/","title":{"rendered":"Finanza"},"content":{"rendered":"<h1 class=\"wp-block-heading\">Finanza<\/h1>\n\n\n\n<h2 class=\"wp-block-heading\">Conto e bilancio<\/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\">Domande:<\/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=\"*\">Tutti<\/a><\/li>\n\t\t\t\t<li><a class=\"qe-faqs-filter\" href=\"#Konto und Budget\" data-filter=\".Konto und Budget\">Conto e bilancio<\/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. Come posso aprire un conto corrente bancario o postale?\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>Chiunque voglia usufruire dei servizi di una banca o di Postfinance ha bisogno di una&nbsp;<strong>Conto.<\/strong>&nbsp;<\/p>\n\n\n\n<p>Per aprire un conto, recatevi presso la banca o l'ufficio postale di vostra scelta e fatevi consigliare sulle varie opzioni. Una volta presa la decisione di aprire un conto, occorre\u00a0<strong>espellere<\/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. Come posso pagare le mie bollette?\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>Scheda di pagamento <\/li>\n\n\n\n<li>allo sportello postale <\/li>\n\n\n\n<li>tramite online banking (computer o smartphone) <\/li>\n\n\n\n<li>Ordine di pagamento (ordine permanente) <\/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>Ci\u00f2 pu\u00f2 comportare costi elevati. Per questo motivo \u00e8 importante pagare sempre le fatture entro la scadenza.<\/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>Ordine nelle finanze <\/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>Gli obiettivi di risparmio possono essere raggiunti molto pi\u00f9 rapidamente <\/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>Consigli sul budget<\/strong><\/a><\/em>.\u00a0<strong><em><a href=\"https:\/\/budgetberatung.ch\/budgetvorlagen\">Qui<\/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 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