{"id":8075,"date":"2026-03-12T14:19:48","date_gmt":"2026-03-12T13:19:48","guid":{"rendered":"https:\/\/monikatschudi-techart.com\/?p=8075"},"modified":"2026-03-12T14:19:59","modified_gmt":"2026-03-12T13:19:59","slug":"ruecklagen-bilden-sr","status":"publish","type":"post","link":"https:\/\/monikatschudi-techart.com\/en\/ruecklagen-bilden-sr\/","title":{"rendered":"R\u00fccklagen bilden (SR)"},"content":{"rendered":"\n\n\n[et_pb_section fb_built=”1″ _builder_version=”4.25.0″ _module_preset=”default” global_colors_info=”{}”][et_pb_row _builder_version=”4.25.0″ _module_preset=”default” global_colors_info=”{}”][et_pb_column type=”4_4″ _builder_version=”4.25.0″ _module_preset=”default” global_colors_info=”{}”][et_pb_heading title=”R\u00fccklagen sind wichtig, werden aber oft vergessen” _builder_version=”4.25.0″ _module_preset=”default” global_colors_info=”{}”][\/et_pb_heading][\/et_pb_column][\/et_pb_row][et_pb_row _builder_version=”4.25.0″ _module_preset=”default” global_colors_info=”{}”][et_pb_column type=”4_4″ _builder_version=”4.25.0″ _module_preset=”default” global_colors_info=”{}”][et_pb_heading title=”Denn es kann auch schlechte Phasen geben” _builder_version=”4.25.0″ _module_preset=”default” title_level=”h2″ global_colors_info=”{}”][\/et_pb_heading][et_pb_text _builder_version=”4.25.0″ _module_preset=”default” global_colors_info=”{}”]

Das Gesch\u00e4ft l\u00e4uft gut und man investiert in neue Anlagen, neue Software, Ausbau bestehender Strukturen und g\u00f6nnt sich vielleicht auch Privat etwas.<\/p>\n

Doch was viele nicht ber\u00fccksichtigen, ist die Tatsache, dass es auch Phasen geben kann, in denen pl\u00f6tzlich die Ums\u00e4tze einbrechen. Dann fehlt das Geld f\u00fcr Rechnungen und Betriebskosten.<\/p>\n

Darum ist es wichtig, in den Phasen, wo es gut l\u00e4uft, Reserven anzulegen. Mit diesen R\u00fccklagen kann man solche Phasen gut \u00fcberbr\u00fccken.<\/p>[\/et_pb_text][\/et_pb_column][\/et_pb_row][et_pb_row _builder_version=”4.25.0″ _module_preset=”default” global_colors_info=”{}”][et_pb_column type=”4_4″ _builder_version=”4.25.0″ _module_preset=”default” global_colors_info=”{}”][et_pb_text _builder_version=”4.25.0″ _module_preset=”default” global_colors_info=”{}”]

Doch wie viel soll man auf die Seite legen?<\/h3>\n

Ideal ist ein Betrag, der dich f\u00fcr ein Jahr tragen kann. Um diesen Betrag zu ermitteln, erstelle dir eine Auflistung mit allen monatlichen Ausgaben. Vergiss dabei die privaten Ausgaben und j\u00e4hrliche Rechnungen wie Versicherungen etc. nicht! Denn auch die musst du abdecken k\u00f6nnen.<\/p>\n

Wenn du alle Ausgaben zusamen hast, setze nochmal 50% oben drauf und rechne die Summe auf das ganze Jahr hoch. Dann hast du die ideale Summe, die dich tragen kann.<\/p>[\/et_pb_text][\/et_pb_column][\/et_pb_row][et_pb_row _builder_version=”4.25.0″ _module_preset=”default” global_colors_info=”{}”][et_pb_column type=”4_4″ _builder_version=”4.25.0″ _module_preset=”default” global_colors_info=”{}”][et_pb_image src=”https:\/\/monikatschudi-techart.com\/wp-content\/uploads\/2026\/03\/Regel-fuer-Ruecklagen.png&#8221<\/a>; title_text=”Regel f\u00fcr R\u00fccklagen” align=”center” _builder_version=”4.25.0″ _module_preset=”default” max_height=”717px” hover_enabled=”0″ border_radii=”on|10px|10px|10px|10px” global_colors_info=”{}” border_width_all=”1px” border_color_all=”#8DBEA3″ sticky_enabled=”0″][\/et_pb_image][\/et_pb_column][\/et_pb_row][et_pb_row _builder_version=”4.25.0″ _module_preset=”default” global_colors_info=”{}”][et_pb_column type=”4_4″ _builder_version=”4.25.0″ _module_preset=”default” global_colors_info=”{}”][et_pb_text _builder_version=”4.25.0″ _module_preset=”default” hover_enabled=”0″ global_colors_info=”{}” sticky_enabled=”0″]

T\u00f6pfchen gef\u00fcllt halten und weiter sparen<\/h3>\n

Ich empfehle dir, nicht bei dieser Summe aufzuh\u00f6ren, sondern weiterhin auf die Seite zu legen. Denn dann hast du auch finanzielle Mittel, falls du ungeplante Investionen t\u00e4tigen musst. Zum Beispiel geht eine Anlage kaputt, das Auto muss repariert werden oder was auch immer.<\/p>\n

Achte dabei aber immer darauf, dass die R\u00fccklagen nicht unterschritten werden. Diese Summe sollte immer auf dem Konto liegen bleiben, denn du weist nie, wann sich der Wind dreht… falls du doch mehr herausnehmen musst, dann f\u00fclle es schnellst m\u00f6glich wieder auf.<\/p>[\/et_pb_text][\/et_pb_column][\/et_pb_row][\/et_pb_section]\n\n\n","protected":false},"excerpt":{"rendered":"

Das Gesch\u00e4ft l\u00e4uft gut und man investiert in neue Anlagen, neue Software, Ausbau bestehender Strukturen und g\u00f6nnt sich vielleicht auch Privat etwas. Doch was viele nicht ber\u00fccksichtigen, ist die Tatsache, dass es auch Phasen geben kann, in denen pl\u00f6tzlich die Ums\u00e4tze einbrechen. Dann fehlt das Geld f\u00fcr Rechnungen und Betriebskosten. Darum ist es wichtig, in 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Tschudi","author_link":"https:\/\/monikatschudi-techart.com\/en\/author\/motschudi\/"},"uagb_comment_info":0,"uagb_excerpt":"Das Gesch\u00e4ft l\u00e4uft gut und man investiert in neue Anlagen, neue Software, Ausbau bestehender Strukturen und g\u00f6nnt sich vielleicht auch Privat etwas. Doch was viele nicht ber\u00fccksichtigen, ist die Tatsache, dass es auch Phasen geben kann, in denen pl\u00f6tzlich die Ums\u00e4tze einbrechen. Dann fehlt das Geld f\u00fcr Rechnungen und Betriebskosten. Darum ist es wichtig, in…","jetpack_likes_enabled":false,"jetpack_sharing_enabled":false,"jetpack_shortlink":"https:\/\/wp.me\/pdV0az-26f","jetpack-related-posts":[],"_links":{"self":[{"href":"https:\/\/monikatschudi-techart.com\/en\/wp-json\/wp\/v2\/posts\/8075","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/monikatschudi-techart.com\/en\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/monikatschudi-techart.com\/en\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/monikatschudi-techart.com\/en\/wp-json\/wp\/v2\/users\/220149267"}],"replies":[{"embeddable":true,"href":"https:\/\/monikatschudi-techart.com\/en\/wp-json\/wp\/v2\/comments?post=8075"}],"version-history":[{"count":2,"href":"https:\/\/monikatschudi-techart.com\/en\/wp-json\/wp\/v2\/posts\/8075\/revisions"}],"predecessor-version":[{"id":8077,"href":"https:\/\/monikatschudi-techart.com\/en\/wp-json\/wp\/v2\/posts\/8075\/revisions\/8077"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/monikatschudi-techart.com\/en\/wp-json\/wp\/v2\/media\/7565"}],"wp:attachment":[{"href":"https:\/\/monikatschudi-techart.com\/en\/wp-json\/wp\/v2\/media?parent=8075"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/monikatschudi-techart.com\/en\/wp-json\/wp\/v2\/categories?post=8075"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/monikatschudi-techart.com\/en\/wp-json\/wp\/v2\/tags?post=8075"},{"taxonomy":"wf_post_folders","embeddable":true,"href":"https:\/\/monikatschudi-techart.com\/en\/wp-json\/wp\/v2\/wf_post_folders?post=8075"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}