{"id":5764,"date":"2026-03-08T20:00:00","date_gmt":"2026-03-08T19:00:00","guid":{"rendered":"https:\/\/www.11onze.cat\/news\/com-millorar-la-nostra-economia-personal-en-10-consells\/"},"modified":"2026-03-06T16:33:57","modified_gmt":"2026-03-06T15:33:57","slug":"11-tips-improve-family-finances","status":"publish","type":"post","link":"https:\/\/www.11onze.cat\/en\/magazine\/11-tips-improve-family-finances\/","title":{"rendered":"11 tips to improve family finances"},"content":{"rendered":"<div class=\"component text\">\n  <div class=\"container\">\n\n\n    <div class=\"row\">\n      <div class=\"col  col-lg-8  offset-lg-2\">\n        <h3><strong>La pujada generalitzada de preus est\u00e0 complicant les finances de moltes llars. Cada vegada \u00e9s m\u00e9s dif\u00edcil quadrar els comptes per a arribar a final de mes i encara m\u00e9s dedicar una part dels nostres ingressos a l\u2019estalvi. Davant aquesta situaci\u00f3, recollim onze consells per a millorar l\u2019economia familiar.<\/strong><\/h3>\n<ol>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Aplicar la f\u00f2rmula del 50\/30\/20.<\/b><span style=\"font-weight: 400;\"> Es tracta d\u2019intentar distribuir els nostres ingressos de forma que el 50 % es dediqui a les despeses (llum, aigua, lloguer, hipoteca, tel\u00e8fon, menjar, estudis\u2026), el 30 % al nostre oci (les nostres sortides en esmorzars o dinars fora de casa, vacances, regals\u2026) i el 20% restant a l\u2019estalvi.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Retallar subscripcions innecess\u00e0ries.<\/b><span style=\"font-weight: 400;\"> A quantes plataformes digitals estem subscrits? Les fem servir totes? Cal que les continuem pagant? I aquella subscripci\u00f3 a aquella revista que mai acabem llegint? Totes les subscripcions autom\u00e0tiques s\u2019han de revisar per valorar si s\u00f3n necess\u00e0ries. Avui en dia existeixen diferents plataformes amb contingut en l\u00ednia que s\u00f3n legals i gratu\u00eftes, nom\u00e9s cal fer una ullada per Internet per trobar-les. I recordem que les biblioteques tamb\u00e9 s\u00f3n una gran font de llibres i contingut audiovisual.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Revisar els nostres contractes de llum, gas i tel\u00e8fon.<\/b><span style=\"font-weight: 400;\"> Cal revisar amb molta cura els contractes que tenim amb les diferents companyies de serveis. \u00c9s una de les partides on m\u00e9s diners se\u2019ns en van sense adonar-nos al cap de l\u2019any. No podem prescindir d\u2019aquestes despeses, per\u00f2 s\u00ed reduir-les.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Fer m\u00e9s \u00e0pats a casa.<\/b><span style=\"font-weight: 400;\"> Reduir les vegades que sortim a menjar fora de casa o que comprem menjar per emportar-nos pot arribar a ser una molt bona font d\u2019estalvi. No cal deixar d\u2019anar als restaurants, per\u00f2 s\u00ed reduir la quantitat d\u2019\u00e0pats que fem fora de casa, i m\u00e9s si som una casa de fam\u00edlia nombrosa.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Reutilitzar.<\/b><span style=\"font-weight: 400;\"> Quan una cosa se\u2019ns faci malb\u00e9, mirem si podem reparar-la i allargar-ne la vida abans de llen\u00e7ar-la a les escombraries. Tamb\u00e9 \u00e9s una bona eina d\u2019estalvi comprar roba de segona m\u00e0, llibres, mobles i fins i tot electrodom\u00e8stics.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>No comprar impulsivament.<\/b><span style=\"font-weight: 400;\"> Una de les raons principals per les quals no fem un bon \u00fas dels nostres diners s\u00f3n les compres compulsives. A partir d\u2019ara, quan vulguem una cosa, donem-nos un marge de temps per saber si de veritat la necessitem. Ens sorprendr\u00e0 comprovar que podem prescindir de gran part de les coses que volem comprar a cop de targeta.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Comparar preus.<\/b><span style=\"font-weight: 400;\"> Quantes vegades ens ha passat que comprem un tel\u00e8fon m\u00f2bil, per dir un exemple, i l\u2019endem\u00e0 veiem una oferta del mateix producte en una altra botiga? Aix\u00f2 ens passa per no comparar. Hem d\u2019aprendre a comparar tot el que comprem, fins i tot el menjar.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Fer servir menys el cotxe.<\/b><span style=\"font-weight: 400;\"> Tot i que molta gent no pot prescindir del transport privat, s\u00ed que en podem reduir l\u2019\u00fas. Mirem d\u2019utilitzar el transport p\u00fablic o compartir cotxe si \u00e9s possible. I fem \u00fas tamb\u00e9 de la bicicleta, i sobretot, de les nostres cames, que caminar \u00e9s sa i gratu\u00eft.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Escollir una bona entitat financera.<\/b><span style=\"font-weight: 400;\"> S\u00f3n necess\u00e0ries totes les nostres targetes de cr\u00e8dit? Quines comissions ens cobra la nostra entitat financera? Revisem si aquesta entitat financera ens ajuda a tenir una bona economia personal, o si, per contra, cal que fem un canvi. Actualment, hi ha moltes entitats financeres amb eines que ajuden a controlar les teves despeses i que alhora et donen un cop de m\u00e0 per estalviar: escollim una bona entitat financera pel nostre futur.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Adaptar-nos a la nostra butxaca.<\/b><span style=\"font-weight: 400;\"> Si ingressem una certa quantitat de diners, no fem m\u00e9s del que la nostra economia es pot permetre. No cal \u201cestirar m\u00e9s el bra\u00e7 que la m\u00e0niga\u201d, com diem els catalans. Fem un \u00fas responsable dels nostres diners segons els nostres guanys.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Ser previsors.<\/b><span style=\"font-weight: 400;\"> Hem d&#8217;analitzar l&#8217;evoluci\u00f3 de les nostres despeses en els \u00faltims mesos per comprovar en qu\u00e8 se&#8217;ns va els diners i on podem retallar. Davant l&#8217;actual situaci\u00f3 inflacion\u00e0ria, en alguns casos ser\u00e0 necessari aplicar una \u201ceconomia de guerra\u201d segons com estimem que evolucionaran els nostres ingressos i despeses.<\/span><\/li>\n<\/ol>\n<p><span style=\"font-weight: 400;\">Ja fa dies que sabem que els diners no fan la felicita. Per\u00f2 <\/span><b>podem aportar estabilitat a la nostra economia personal per evitar-nos disgustos<\/b><span style=\"font-weight: 400;\">. A m\u00e9s, en aquests temps d\u2019incerteses econ\u00f2miques, val la pena recordar la frase que ens va deixar el fil\u00f2sof S\u00e8neca: \u201cNo \u00e9s pobre qui t\u00e9 poc, sin\u00f3 qui molt desitja\u201d.<\/span><\/p>\n<p><b>Si vols descobrir la millor opci\u00f3 per protegir els teus estalvis, entra a <\/b><a href=\"https:\/\/serveis.11onze.cat\/preciosos-11onze\" target=\"_blank\" rel=\"noopener\"><b>Preciosos 11Onze<\/b><\/a><b>. 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