{"id":22177,"date":"2026-03-17T09:00:00","date_gmt":"2026-03-17T08:00:00","guid":{"rendered":"https:\/\/www.11onze.cat\/?p=22177"},"modified":"2026-03-16T08:38:41","modified_gmt":"2026-03-16T07:38:41","slug":"you-know-best-tip-saving-money","status":"publish","type":"post","link":"https:\/\/www.11onze.cat\/en\/magazine\/you-know-best-tip-saving-money\/","title":{"rendered":"Do you know the best tip for saving money?"},"content":{"rendered":"
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\u00c9s el truc per estalviar m\u00e9s efica\u00e7 i, alhora, el m\u00e9s senzill. Aquesta estrat\u00e8gia la coneix ben poca gent, per\u00f2 que un cop la descobreixes no pots deixar de fer-la servir. Parlem del preestalvi per transfer\u00e8ncia.<\/b><\/h3>\n

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Amb sous baixos, vides prec\u00e0ries i mil despeses, com s\u2019aconsegueix estalviar? T\u2019expliquem un m\u00e8tode que t\u2019ajudar\u00e0 a assolir la independ\u00e8ncia financera. Aix\u00f2 s\u00ed, caldr\u00e0 mentalitzar-se, entrenar-se emocionalment, i aix\u00f2 \u00e9s potser la part m\u00e9s dif\u00edcil de gestionar les finances pr\u00f2pies. Perqu\u00e8 <\/span>el consell que us donarem necessita const\u00e0ncia i persist\u00e8ncia<\/b>, dues virtuts que la ciutadania de l\u2019Estat espanyol no sempre demostra, a jutjar per les dades.<\/span><\/p>\n

A Espanya, m\u00e9s de la meitat de la poblaci\u00f3 no aconsegueix estalviar m\u00e9s de 50 euros al mes<\/b> i els que se\u2019n surten no acostumen a fer incrementar el seu saldo m\u00e9s de 200 euros. La q\u00fcesti\u00f3, alerten els experts, no \u00e9s que no tinguem diners per estalviar, sin\u00f3 que no sabem com fer-ho. Per aix\u00f2, s\u2019inventen desenes de m\u00e8todes que asseguren ser els que veritablement arreglaran la nostra situaci\u00f3: que si retallar despeses, que si fer servir aplicacions\u2026 Per\u00f2 cap d\u2019aquests m\u00e8todes \u00e9s tan efica\u00e7 com el preestalvi.<\/span><\/p>\n

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Estalviar abans de gastar<\/b><\/h3>\n

La f\u00f3rmula no t\u00e9 p\u00e8rdua, perqu\u00e8 t\u00e9 nom\u00e9s dos passos. <\/b>El primer pas \u00e9s obrir un segon compte, un compte d\u2019estalvi. El segon pas \u00e9s demanar a la teva entitat financera que, a principis de mes, un cop t\u2019arribi la n\u00f2mina, faci una transfer\u00e8ncia autom\u00e0tica al compte d\u2019estalvi. Pots comen\u00e7ar amb el 5% dels teus ingressos.\u00a0<\/span><\/p>\n

El truc \u00e9s tan efica\u00e7 precisament perqu\u00e8 \u00e9s senzill\u00edssim, perqu\u00e8 ni hi penses. Aix\u00ed no t\u2019has de trencar el cap pensant que aquell mes no est\u00e0s complint amb el pressupost detallat de despeses que t\u2019havies marcat: simplement els diners desapareixen abans no els puguis gastar. A m\u00e9s, <\/span>com que aquests diners aniran a parar a un altre compte de forma autom\u00e0tica, et far\u00e0 massa mandra tornar-los a moure<\/b>. Sense que t\u2019adonis, en dos mesos comen\u00e7ar\u00e0s a veure com el saldo del compte d\u2019estalvi puja sense parar.<\/span><\/p>\n

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Si vols rentar la roba sense embrutar el planeta, 11Onze Recomana <\/b>Natulim<\/b><\/a>.<\/b><\/p>\n\n <\/div>\n <\/div>\n <\/div>\n<\/div>\n

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Si t’ha agradat aquesta not\u00edcia, et recomanem:<\/h1>\n
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\n \"\"\n Estalvis<\/span>\n <\/div>\n
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Davant la crisi que ve, diversifica l\u2019estalvi<\/strong><\/p>\n 6 min read<\/span>\n

El reconegut economista Robert Kiyosaki ha pronosticat \u201cuna<\/p>\n <\/div>\n <\/div>\n\n\n

\n <\/a>\n
\n \"\"\n Estalvis<\/span>\n <\/div>\n
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L\u2019estalvi, un h\u00e0bit financer per als teus fills<\/strong><\/p>\n 4 min read<\/span>\n

Un informe de PISA avala que el nostre pa\u00eds est\u00e0 en la desena<\/p>\n <\/div>\n <\/div>\n\n\n

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\n \"\"\n Economia<\/span>\n <\/div>\n
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I la gent jove, com paga les compres?<\/strong><\/p>\n 2 min read<\/span>\n

El m\u00f3n evoluciona, i la manera de pagar tamb\u00e9.<\/p>\n <\/div>\n <\/div>\n\n <\/div>\n
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\n\n <\/div>\n <\/div>\n <\/div>\n <\/div>\n<\/div>","protected":false},"excerpt":{"rendered":"","protected":false},"author":71,"featured_media":22193,"comment_status":"open","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"content-type":"","footnotes":""},"categories":[1],"tags":[17],"class_list":["post-22177","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-uncategorized","tag-savings"],"acf":[],"yoast_head":"\nDo you know the best tip for saving money? -11Onze<\/title>\n<meta name=\"description\" content=\"It\u2019s the most effective and simplest savings trick. 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