{"id":2367,"date":"2026-01-19T08:41:06","date_gmt":"2026-01-19T07:41:06","guid":{"rendered":"https:\/\/ms-vilshofen.de\/?p=2367"},"modified":"2026-01-19T08:41:44","modified_gmt":"2026-01-19T07:41:44","slug":"besuch-von-stefan-hanuss-im-rahmen-der-mutmacher-initiative-der-sparkasse","status":"publish","type":"post","link":"https:\/\/ms-vilshofen.de\/?p=2367","title":{"rendered":"Besuch von Stefan Hanuss im Rahmen der Mutmacher-Initiative der Sparkasse"},"content":{"rendered":"<p><div class=\"fusion-fullwidth fullwidth-box fusion-builder-row-1 fusion-flex-container nonhundred-percent-fullwidth non-hundred-percent-height-scrolling\" style=\"--awb-border-radius-top-left:0px;--awb-border-radius-top-right:0px;--awb-border-radius-bottom-right:0px;--awb-border-radius-bottom-left:0px;--awb-flex-wrap:wrap;\" ><div class=\"fusion-builder-row fusion-row fusion-flex-align-items-flex-start fusion-flex-content-wrap\" style=\"max-width:1248px;margin-left: calc(-4% \/ 2 );margin-right: calc(-4% \/ 2 );\"><div class=\"fusion-layout-column fusion_builder_column fusion-builder-column-0 fusion_builder_column_1_1 1_1 fusion-flex-column\" style=\"--awb-bg-size:cover;--awb-width-large:100%;--awb-margin-top-large:0px;--awb-spacing-right-large:1.92%;--awb-margin-bottom-large:0px;--awb-spacing-left-large:1.92%;--awb-width-medium:100%;--awb-spacing-right-medium:1.92%;--awb-spacing-left-medium:1.92%;--awb-width-small:100%;--awb-spacing-right-small:1.92%;--awb-spacing-left-small:1.92%;\"><div class=\"fusion-column-wrapper fusion-flex-justify-content-flex-start fusion-content-layout-column\"><div class=\"fusion-text fusion-text-1\"><h5>Im Rahmen der Mutmacher-Initiative der Sparkasse besuchte Herr <strong>Stefan Hanuss<\/strong> die Klasse <strong>9b der Mittelschule Vilshofen<\/strong>, um mit den Sch\u00fclerinnen und Sch\u00fclern \u00fcber das wichtige Thema <strong>Geldmanagement<\/strong> zu sprechen. Ziel des Vortrags war es, den Jugendlichen einen verantwortungsvollen Umgang mit <strong>Einkommen und Ausgaben<\/strong> n\u00e4herzubringen und sie f\u00fcr finanzielle Risiken zu sensibilisieren.<\/h5>\n<h5>Herr Hanuss erkl\u00e4rte anschaulich, wie schnell es im Alltag zu finanziellen Engp\u00e4ssen kommen kann, wenn Ausgaben nicht geplant oder Einnahmen \u00fcbersch\u00e4tzt werden. Besonders eindringlich warnte er vor den <strong>Gefahren einer zu leichten Verschuldung<\/strong>, etwa durch Ratenk\u00e4ufe, Handyvertr\u00e4ge oder Online-Shopping. Anhand praxisnaher Beispiele zeigte er auf, wie Schulden entstehen und welche langfristigen Folgen sie haben k\u00f6nnen.<\/h5>\n<h5>Ein weiterer Schwerpunkt lag auf der Bedeutung von <strong>Budgetplanung<\/strong>. Die Sch\u00fclerinnen und Sch\u00fcler erfuhren, wie wichtig es ist, regelm\u00e4\u00dfig einen \u00dcberblick \u00fcber die eigenen Finanzen zu behalten und R\u00fccklagen f\u00fcr unerwartete Ausgaben zu bilden. Dabei ging Herr Hanuss auch auf den Unterschied zwischen notwendigen Ausgaben und Konsumw\u00fcnschen ein.<\/h5>\n<h5>Der Vortrag war informativ gestaltet und bot den Jugendlichen die M\u00f6glichkeit, Fragen zu stellen und eigene Erfahrungen einzubringen. Insgesamt leistete der Besuch einen wertvollen Beitrag zur finanziellen Bildung der Klasse und regte die Sch\u00fclerinnen und Sch\u00fcler dazu an, bewusster und verantwortungsvoller mit Geld umzugehen.<\/h5>\n<h5><\/h5>\n<\/div><\/div><\/div><\/div><\/div><div class=\"fusion-fullwidth fullwidth-box fusion-builder-row-2 fusion-flex-container has-pattern-background has-mask-background nonhundred-percent-fullwidth non-hundred-percent-height-scrolling\" style=\"--awb-border-radius-top-left:0px;--awb-border-radius-top-right:0px;--awb-border-radius-bottom-right:0px;--awb-border-radius-bottom-left:0px;--awb-flex-wrap:wrap;\" ><div class=\"fusion-builder-row fusion-row fusion-flex-align-items-flex-start fusion-flex-content-wrap\" style=\"max-width:1248px;margin-left: calc(-4% \/ 2 );margin-right: calc(-4% \/ 2 );\"><div class=\"fusion-layout-column fusion_builder_column fusion-builder-column-1 fusion_builder_column_1_1 1_1 fusion-flex-column\" style=\"--awb-bg-size:cover;--awb-width-large:100%;--awb-margin-top-large:0px;--awb-spacing-right-large:1.92%;--awb-margin-bottom-large:20px;--awb-spacing-left-large:1.92%;--awb-width-medium:100%;--awb-order-medium:0;--awb-spacing-right-medium:1.92%;--awb-spacing-left-medium:1.92%;--awb-width-small:100%;--awb-order-small:0;--awb-spacing-right-small:1.92%;--awb-spacing-left-small:1.92%;\"><div class=\"fusion-column-wrapper fusion-column-has-shadow fusion-flex-justify-content-flex-start fusion-content-layout-column\"><div class=\"awb-gallery-wrapper awb-gallery-wrapper-1 button-span-no\" style=\"--more-btn-alignment:center;\"><div style=\"margin:-5px;--awb-bordersize:0px;\" class=\"fusion-gallery fusion-gallery-container fusion-grid-3 fusion-columns-total-1 fusion-gallery-layout-grid fusion-gallery-1\"><div style=\"padding:5px;\" class=\"fusion-grid-column fusion-gallery-column fusion-gallery-column-3 hover-type-none\"><div class=\"fusion-gallery-image\"><a href=\"https:\/\/ms-vilshofen.de\/wp-content\/uploads\/2026\/01\/Sparkasse-Schule-2026.png\" rel=\"noreferrer\" data-rel=\"iLightbox[gallery_image_1]\" class=\"fusion-lightbox\" target=\"_self\"><img decoding=\"async\" src=\"https:\/\/ms-vilshofen.de\/wp-content\/uploads\/2026\/01\/Sparkasse-Schule-2026.png\" width=\"1536\" height=\"1024\" alt=\"\" title=\"Sparkasse Schule 2026\" aria-label=\"Sparkasse Schule 2026\" class=\"img-responsive wp-image-2368\" srcset=\"https:\/\/ms-vilshofen.de\/wp-content\/uploads\/2026\/01\/Sparkasse-Schule-2026-200x133.png 200w, https:\/\/ms-vilshofen.de\/wp-content\/uploads\/2026\/01\/Sparkasse-Schule-2026-400x267.png 400w, https:\/\/ms-vilshofen.de\/wp-content\/uploads\/2026\/01\/Sparkasse-Schule-2026-600x400.png 600w, https:\/\/ms-vilshofen.de\/wp-content\/uploads\/2026\/01\/Sparkasse-Schule-2026-800x533.png 800w, https:\/\/ms-vilshofen.de\/wp-content\/uploads\/2026\/01\/Sparkasse-Schule-2026-1200x800.png 1200w, https:\/\/ms-vilshofen.de\/wp-content\/uploads\/2026\/01\/Sparkasse-Schule-2026.png 1536w\" sizes=\"(min-width: 2200px) 100vw, (min-width: 784px) 397px, (min-width: 712px) 595px, (min-width: 640px) 712px, \" \/><\/a><\/div><\/div><\/div><\/div><\/div><\/div><\/div><\/div><\/p>\n","protected":false},"excerpt":{"rendered":"","protected":false},"author":1,"featured_media":2368,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"gallery","meta":{"footnotes":""},"categories":[1],"tags":[],"class_list":["post-2367","post","type-post","status-publish","format-gallery","has-post-thumbnail","hentry","category-uncategorized","post_format-post-format-gallery"],"_links":{"self":[{"href":"https:\/\/ms-vilshofen.de\/index.php?rest_route=\/wp\/v2\/posts\/2367","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/ms-vilshofen.de\/index.php?rest_route=\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/ms-vilshofen.de\/index.php?rest_route=\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/ms-vilshofen.de\/index.php?rest_route=\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/ms-vilshofen.de\/index.php?rest_route=%2Fwp%2Fv2%2Fcomments&post=2367"}],"version-history":[{"count":1,"href":"https:\/\/ms-vilshofen.de\/index.php?rest_route=\/wp\/v2\/posts\/2367\/revisions"}],"predecessor-version":[{"id":2369,"href":"https:\/\/ms-vilshofen.de\/index.php?rest_route=\/wp\/v2\/posts\/2367\/revisions\/2369"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/ms-vilshofen.de\/index.php?rest_route=\/wp\/v2\/media\/2368"}],"wp:attachment":[{"href":"https:\/\/ms-vilshofen.de\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=2367"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/ms-vilshofen.de\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=2367"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/ms-vilshofen.de\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=2367"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}