{"id":28458,"date":"2026-03-21T20:00:00","date_gmt":"2026-03-21T19:00:00","guid":{"rendered":"https:\/\/www.11onze.cat\/?p=28458"},"modified":"2026-03-16T08:42:40","modified_gmt":"2026-03-16T07:42:40","slug":"gastos-hormiga","status":"publish","type":"post","link":"https:\/\/www.11onze.cat\/es\/magazine\/gastos-hormiga\/","title":{"rendered":"Gastos hormiga: qu\u00e9 son y como evitarlos"},"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><b>Aprendre a administrar com gastem els nostres diners \u00e9s primordial a l\u2019hora de reduir les despeses familiars, i els petits desemborsaments poden acabar llastant la nostra economia m\u00e9s del que ens pensem.<\/b><\/h3>\n<p>&nbsp;<\/p>\n<p><span style=\"font-weight: 400;\">L\u2019empresari escoc\u00e8s-estatunidenc Andrew Carnegie (1835-1919) va formular la vella dita: \u00ab<\/span><b>Take care of the pennies and the pounds will take care of themselves<\/b><span style=\"font-weight: 400;\">\u00ab, que ve a ser: \u201cCuida els c\u00e8ntims i els euros es cuidaran ells mateixos\u201d, per recordar als seus empleats de la necessitat de controlar les petites despeses. Tanmateix, aquests petits desemborsaments poden acabar llastant la nostra economia familiar.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Es coneixen com a despeses formiga tota una s\u00e8rie de<\/span><b> petits pagaments per serveis o productes, de vegades innecessaris, que realitzem di\u00e0riament, quasi inconscientment, per\u00f2 que de mica en mica van minvant una part important del nostre pressupost al cap de l\u2019any<\/b><span style=\"font-weight: 400;\">. Quantes vegades ens hem preguntat: \u201cPer\u00f2, en qu\u00e8 m\u2019he gastat els diners aquest mes?\u201d.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Normalment, no donem import\u00e0ncia a aquestes despeses quotidianes gr\u00e0cies al seu cost relativament baix, aix\u00f2 no obstant, identificar-les i reduir-les pot significar la difer\u00e8ncia entre no arribar a fi de mes, o tenir un pressupost que ens permeti estalviar i anar de vacances.<\/span><\/p>\n<p>&nbsp;<\/p>\n<h3><b>Reduir les despeses invisibles<\/b><\/h3>\n<p><span style=\"font-weight: 400;\">Tots som conscients dels costos de les factures de la llum, tel\u00e8fon, gas, aigua, i les tenim assumides com un fet consumat. Tanmateix, per mandra, o per evitar problemes, poques vegades ens plantegem canviar de prove\u00efdor per reduir el preu de la factura mensual. <\/span><b>Un petit esfor\u00e7 que podria significar centenars d\u2019euros estalviats al cap de l\u2019any.<\/b><\/p>\n<p><span style=\"font-weight: 400;\">El caf\u00e8, el croissant, el men\u00fa del dinar, s\u00f3n petits capricis que ens alegren el dia, per\u00f2 un exemple perfecte de <\/span><b>microdespeses, tot i que no sempre prescindibles, de les que en podem reduir el cost.<\/b><span style=\"font-weight: 400;\"> Portar el dinar fet de casa o comprar al supermercat en comptes d\u2019anar cada dia al bar nom\u00e9s ens estalvia uns pocs euros setmanals, aix\u00ed i tot, sense dubte, ens sorprendr\u00e0 l\u2019estalvi que podem assolir en calcular quant suposen aquestes microdespeses en la factura anual.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Les comissions banc\u00e0ries i les targetes de cr\u00e8dit s\u00f3n unes despeses a les quals no donem massa import\u00e0ncia, per\u00f2 que van sumant. Algunes entitats banc\u00e0ries s\u2019aprofiten del fet que aquestes petites comissions no seran vistes o reclamades pels clients. <\/span><b>Reduir o eliminar el nombre de targetes de cr\u00e8dit, i optar per una modalitat de pagament ajornat a final de mes que ens eviti pagar interessos<\/b><span style=\"font-weight: 400;\">, i s\u00f3n opcions que nom\u00e9s requereixen un m\u00ednim d\u2019esfor\u00e7 per la nostra part.<\/span><\/p>\n<p>&nbsp;<\/p>\n<h3><b>Canviar els h\u00e0bits de consum<\/b><\/h3>\n<p><span style=\"font-weight: 400;\">Fixar-se en la compra de cada dia, comparar preus entre establiments o aprofitar les ofertes ens pot estalviar una quantitat important de diners, per\u00f2 canviar els nostres h\u00e0bits de consum \u00e9s igualment important. Evitar comprar aigua embotellada, que sovint t\u00e9 un preu desmesurat, i <\/span><b>beure aigua de l\u2019aixeta o fer servir filtres, ens pot suposar un estalvi considerable que, alhora, contribueix a la reducci\u00f3 de residus pl\u00e0stics al medi ambient<\/b><span style=\"font-weight: 400;\">.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Tanmateix, quantes vegades agafem el cotxe per dist\u00e0ncies curtes? I quant temps i diners perdem buscant aparcament? Potser podem plantejar-nos si <\/span><b>una passejada, agafar el transport p\u00fablic o fer servir una bici s\u00f3n m\u00e9s adients per alguns d\u2019aquests trajectes<\/b><span style=\"font-weight: 400;\">. La nostra butxaca, salut, i el planeta ens ho agrairan.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Fer un replantejament dels nostres h\u00e0bits de consum i reduir les despeses formiga no ens ha de conduir a fer una vida monacal d\u2019austeritat, al contrari, ens pot ajudar a tenir un bon pressupost per <\/span><b>gaudir dels capricis que ens enriqueixen la vida, mentre eliminem despeses que ens la fan m\u00e9s dif\u00edcil.<\/b><\/p>\n<p>&nbsp;<\/p>\n<p><b>Si vols rentar la roba sense embrutar el planeta, 11Onze Recomana <\/b><a href=\"https:\/\/www.11onze.cat\/?page_id=31550\" target=\"_blank\" rel=\"noopener\"><b>Natulim<\/b><\/a><b>.<\/b><\/p>\n\n      <\/div>\n    <\/div>\n  <\/div>\n<\/div>\n<div class=\"component cards\">\n  <div class=\"container\">\n    <div class=\"row\">\n      <div class=\"col col-xl-8 offset-xl-2\">\n        <h1>Si t&#8217;ha agradat aquesta not\u00edcia, et recomanem:<\/h1>\n        <div class=\"cards__wrapper\">\n          <div class=\"card\">\n            <a href=\"https:\/\/www.11onze.cat\/magazine\/coneixes-millor-consell-estalviar\/\" class=\"card-link\" target=\"_self\"><\/a>\n            <div class=\"card-img\">\n              <img decoding=\"async\" src=\"https:\/\/www.11onze.cat\/wp-content\/uploads\/2021\/11\/THUMBNAIL_METODE_PREESTALVI-800x534.jpg\" class=\"card-img-top\" alt=\"\">\n                <span class=\"card-category\">Estalvis<\/span>\n            <\/div>\n            <div class=\"card-body\">\n              <p class=\"card-title p2\"><strong>Coneixes el millor consell per estalviar?<\/strong><\/p>\n              <span class=\"card-time\">2min lectura<\/span>\n              <p class=\"card-text small\">\u00c9s el truc per estalviar m\u00e9s efica\u00e7 i, alhora, el m\u00e9s senzill.<\/p>\n            <\/div>\n          <\/div>\n\n\n          <div class=\"card\">\n            <a href=\"https:\/\/www.11onze.cat\/magazine\/11-consells-millorar-economia-familiar\/\" class=\"card-link\" target=\"_self\"><\/a>\n            <div class=\"card-img\">\n              <img decoding=\"async\" src=\"https:\/\/www.11onze.cat\/wp-content\/uploads\/2021\/04\/THUMBNAIL_11.jpg\" class=\"card-img-top\" alt=\"\">\n                <span class=\"card-category\">Economia<\/span>\n            <\/div>\n            <div class=\"card-body\">\n              <p class=\"card-title p2\"><strong>Consells per millorar l\u2019economia familiar<\/strong><\/p>\n              <span class=\"card-time\">4min lectura<\/span>\n              <p class=\"card-text small\">Quantes vegades has volgut comen\u00e7ar a estalviar?<\/p>\n            <\/div>\n          <\/div>\n\n\n          <div class=\"card\">\n            <a href=\"https:\/\/www.11onze.cat\/magazine\/davant-crisi-diversifica-estalvi\/\" class=\"card-link\" target=\"_self\"><\/a>\n            <div class=\"card-img\">\n              <img decoding=\"async\" src=\"https:\/\/www.11onze.cat\/wp-content\/uploads\/2021\/10\/THUMBNAIL_IMPORTANCIA_DIVERSIFICAR_ESTALVIS-800x534.jpg\" class=\"card-img-top\" alt=\"\">\n                <span class=\"card-category\">Estalvis<\/span>\n            <\/div>\n            <div class=\"card-body\">\n              <p class=\"card-title p2\"><strong>Diversifica l\u2019estalvi<\/strong><\/p>\n              <span class=\"card-time\">6min lectura<\/span>\n              <p class=\"card-text small\">El reconegut economista Robert Kiyosaki ha pronosticat \u201cuna crisi hist\u00f2rica\u201d.<\/p>\n            <\/div>\n          <\/div>\n\n              <\/div>\n              <br>\n              <br>\n              <div class=\"cards__wrapper\">\n\n        <\/div>\n      <\/div>\n    <\/div>\n  <\/div>\n<\/div>","protected":false},"excerpt":{"rendered":"","protected":false},"author":71,"featured_media":28347,"comment_status":"open","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":true,"content-type":"","footnotes":""},"categories":[28],"tags":[170],"class_list":["post-28458","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-sin-categorizar","tag-ahorros"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.5 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Gastos hormiga: qu\u00e9 son y como evitarlos -11Onze<\/title>\n<meta name=\"description\" content=\"Los gastos hormiga pueden acabar lastrando nuestra econom\u00eda m\u00e1s del que nos pensamos. Te explicamos qu\u00e9 son y como evitarlos.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.11onze.cat\/es\/magazine\/gastos-hormiga\/\" \/>\n<meta property=\"og:locale\" content=\"es_ES\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Gastos hormiga: qu\u00e9 son y como evitarlos - 11Onze\" \/>\n<meta property=\"og:description\" content=\"Los gastos hormiga pueden acabar lastrando nuestra econom\u00eda m\u00e1s del que nos pensamos. 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