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erteilt",[1266],{"type":215,"attrs":1267},{"color":217},{"type":275,"attrs":1269,"content":1271},{"colspan":277,"rowspan":277,"colwidth":1270,"backgroundColor":27},[976],[1272],{"type":156,"attrs":1273,"content":1274},{"textAlign":27,"key":620},[1275],{"text":1082,"type":162,"marks":1276},[1277],{"type":215,"attrs":1278},{"color":217},{"type":275,"attrs":1280,"content":1282},{"colspan":277,"rowspan":277,"colwidth":1281,"backgroundColor":27},[990],[1283],{"type":156,"attrs":1284,"content":1285},{"textAlign":27,"key":637},[1286],{"text":1287,"type":162,"marks":1288},"7.200 Euro",[1289],{"type":215,"attrs":1290},{"color":217},{"type":272,"content":1292},[1293,1304,1310,1322],{"type":275,"attrs":1294,"content":1295},{"colspan":277,"rowspan":277,"colwidth":27,"backgroundColor":27},[1296],{"type":156,"attrs":1297,"content":1298},{"textAlign":27,"key":650},[1299],{"text":1300,"type":162,"marks":1301},"Gesamt",[1302],{"type":215,"attrs":1303},{"color":217},{"type":275,"attrs":1305,"content":1307},{"colspan":277,"rowspan":277,"colwidth":1306,"backgroundColor":27},[962],[1308],{"type":156,"attrs":1309},{"textAlign":27,"key":661},{"type":275,"attrs":1311,"content":1313},{"colspan":277,"rowspan":277,"colwidth":1312,"backgroundColor":27},[976],[1314],{"type":156,"attrs":1315,"content":1316},{"textAlign":27,"key":672},[1317],{"text":1318,"type":162,"marks":1319},"12.650 Euro",[1320],{"type":215,"attrs":1321},{"color":217},{"type":275,"attrs":1323,"content":1325},{"colspan":277,"rowspan":277,"colwidth":1324,"backgroundColor":27},[990],[1326],{"type":156,"attrs":1327,"content":1328},{"textAlign":27,"key":683},[1329],{"text":1330,"type":162,"marks":1331},"38.550 Euro",[1332],{"type":215,"attrs":1333},{"color":217},{"type":156,"attrs":1335},{"textAlign":27,"key":692},{"type":237,"attrs":1337},{"id":816,"body":1338},[1339],{"_uid":1340,"text":1341,"color":821,"title":1342,"backCtas":1343,"backMedia":1344,"component":248},"i-acc5f418-95c7-4973-8fe4-b59f3d8106d6","60.000 Euro − 12.650 Euro − 38.550 Euro = 8.800 Euro","Das verfügbare Budget beträgt damit:",[],[],{"type":156,"attrs":1346,"content":1347},{"textAlign":27,"key":709},[1348],{"text":1349,"type":162,"marks":1350},"Der Blick auf die Bankbewegungen würde dagegen nur die bereits bezahlten 12.650 Euro berücksichtigen. Dadurch würden scheinbar noch 47.350 Euro zur Verfügung stehen. Dieser Betrag ist für eine Budgetentscheidung irreführend, weil bereits 38.550 Euro zugesagt oder noch offen sind.",[1351],{"type":215,"attrs":1352},{"color":217},{"type":156,"attrs":1354,"content":1355},{"textAlign":27,"key":738},[1356],{"text":1357,"type":162,"marks":1358},"Wird die Videoproduktion über 7.200 Euro storniert und die Bindung korrekt aufgehoben, steigt das verfügbare Budget auf 16.000 Euro. Dafür muss kein zusätzlicher Zahlungseingang erfolgen. Es reicht, dass eine bestehende Bindung entfällt.",[1359],{"type":215,"attrs":1360},{"color":217},{"type":250,"attrs":1362,"content":1363},{"level":252,"textAlign":27},[1364],{"text":1365,"type":162,"marks":1366},"Warum der Kontostand kein verlässliches Budgetsignal ist",[1367],{"type":215,"attrs":1368},{"color":217},{"type":156,"attrs":1370,"content":1371},{"textAlign":27,"key":751},[1372],{"text":1373,"type":162,"marks":1374},"Der Kontostand zeigt, wie viel Geld aktuell verfügbar ist. Das Budget zeigt, welche Ausgaben noch möglich sind. Beide Werte können deutlich voneinander abweichen.",[1375],{"type":215,"attrs":1376},{"color":217},{"type":156,"attrs":1378,"content":1379},{"textAlign":27,"key":762},[1380],{"text":1381,"type":162,"marks":1382},"Das passiert insbesondere in den folgenden Situationen:",[1383],{"type":215,"attrs":1384},{"color":217},{"type":549,"content":1386},[1387,1397,1407,1417,1427,1437],{"type":552,"content":1388},[1389],{"type":156,"attrs":1390,"content":1391},{"textAlign":27,"key":773},[1392],{"text":1393,"type":162,"marks":1394},"Rechnungen werden mit Zahlungsziel beglichen.",[1395],{"type":215,"attrs":1396},{"color":217},{"type":552,"content":1398},[1399],{"type":156,"attrs":1400,"content":1401},{"textAlign":27,"key":782},[1402],{"text":1403,"type":162,"marks":1404},"Bestellungen wurden genehmigt, aber noch nicht geliefert.",[1405],{"type":215,"attrs":1406},{"color":217},{"type":552,"content":1408},[1409],{"type":156,"attrs":1410,"content":1411},{"textAlign":27,"key":827},[1412],{"text":1413,"type":162,"marks":1414},"Auslagen sind freigegeben, aber noch nicht erstattet.",[1415],{"type":215,"attrs":1416},{"color":217},{"type":552,"content":1418},[1419],{"type":156,"attrs":1420,"content":1421},{"textAlign":27,"key":836},[1422],{"text":1423,"type":162,"marks":1424},"Kartenzahlungen werden erst später abgerechnet.",[1425],{"type":215,"attrs":1426},{"color":217},{"type":552,"content":1428},[1429],{"type":156,"attrs":1430,"content":1431},{"textAlign":27,"key":853},[1432],{"text":1433,"type":162,"marks":1434},"Verträge oder Abonnements verursachen zukünftige Zahlungsverpflichtungen.",[1435],{"type":215,"attrs":1436},{"color":217},{"type":552,"content":1438},[1439],{"type":156,"attrs":1440,"content":1441},{"textAlign":27,"key":866},[1442],{"text":1443,"type":162,"marks":1444},"Eine Leistung wurde bereits erbracht, aber noch nicht bezahlt.",[1445],{"type":215,"attrs":1446},{"color":217},{"type":156,"attrs":1448,"content":1449},{"textAlign":27,"key":877},[1450],{"text":1451,"type":162,"marks":1452},"Nehmen wir die Eventtechnik aus dem Eingangsbeispiel. Sie wird am 3. März für 4.800 Euro bestellt. Ab diesem Zeitpunkt ist der Betrag gebunden. Die Rechnung geht am 20. März ein und wird am 15. April bezahlt.",[1453],{"type":215,"attrs":1454},{"color":217},{"type":156,"attrs":1456,"content":1457},{"textAlign":27,"key":886},[1458],{"text":1459,"type":162,"marks":1460},"Für die Budgetsteuerung sollte der Betrag bereits im März berücksichtigt werden. Für die Liquiditätsplanung liegt der tatsächliche Geldabfluss dagegen im April. Im Rechnungswesen kann der Aufwand ebenfalls bereits dem März zugeordnet werden, sofern die Leistung in diesem Monat erbracht wurde.",[1461],{"type":215,"attrs":1462},{"color":217},{"type":156,"attrs":1464,"content":1465},{"textAlign":27,"key":904},[1466],{"text":1467,"type":162,"marks":1468},"Keine dieser Perspektiven ist grundsätzlich falsch. Sie beantwortet lediglich eine andere Frage.",[1469],{"type":215,"attrs":1470},{"color":217},{"type":250,"attrs":1472,"content":1473},{"level":252,"textAlign":27},[1474],{"text":1475,"type":162,"marks":1476},"Kartenzahlungen, Abonnements und Teillieferungen richtig einordnen",[1477],{"type":215,"attrs":1478},{"color":217},{"type":250,"attrs":1480,"content":1481},{"level":532,"textAlign":27},[1482],{"text":1483,"type":162,"marks":1484},"Kartenzahlungen",[1485],{"type":215,"attrs":1486},{"color":217},{"type":156,"attrs":1488,"content":1490},{"textAlign":27,"key":1489},"p-49",[1491],{"text":1492,"type":162,"marks":1493},"Kartenzahlungen werden meist in dem Moment als ausgegeben erfasst, in dem die Zahlung erfolgt. Wenn keine vorherige Anfrage oder Freigabe existiert, fehlt die Bindungsphase in der Budgetübersicht.",[1494],{"type":215,"attrs":1495},{"color":217},{"type":156,"attrs":1497,"content":1499},{"textAlign":27,"key":1498},"p-50",[1500],{"text":1501,"type":162,"marks":1502},"Eine Teamleitung bucht beispielsweise drei Hotelnächte zu je 140 Euro und Bahntickets für 189 Euro mit einer Firmenkarte. Insgesamt entstehen 609 Euro.",[1503],{"type":215,"attrs":1504},{"color":217},{"type":156,"attrs":1506,"content":1508},{"textAlign":27,"key":1507},"p-51",[1509],{"text":1510,"type":162,"marks":1511},"Ohne vorherige Anfrage werden die 609 Euro erst mit der Zahlung als ausgegeben sichtbar. Wird die Reise dagegen vorab mit einem Betrag von 650 Euro genehmigt, kann dieser Betrag bereits vorher als gebunden berücksichtigt werden. Nach der tatsächlichen Zahlung sollte die Differenz von 41 Euro wieder freigegeben werden, sofern der Prozess die abschließende Abstimmung der Anfrage vorsieht.",[1512],{"type":215,"attrs":1513},{"color":217},{"type":156,"attrs":1515,"content":1517},{"textAlign":27,"key":1516},"p-52",[1518,1523,1530,1538,1543,1550,1558],{"text":1519,"type":162,"marks":1520},"Mit",[1521],{"type":215,"attrs":1522},{"color":217},{"text":507,"type":162,"marks":1524},[1525,1528],{"type":510,"attrs":1526},{"href":1527,"uuid":27,"anchor":27,"target":27,"linktype":144},"https://www.spendesk.com/de/product/cards/",{"type":215,"attrs":1529},{"color":217},{"text":1531,"type":162,"marks":1532},"Spendesk-Firmenkarten",[1533,1535,1537],{"type":510,"attrs":1534},{"href":1527,"uuid":27,"anchor":27,"target":27,"linktype":144},{"type":215,"attrs":1536},{"color":522},{"type":524},{"text":1539,"type":162,"marks":1540}," lassen sich individuelle Limits und Ausgabenregeln festlegen. Über",[1541],{"type":215,"attrs":1542},{"color":217},{"text":507,"type":162,"marks":1544},[1545,1548],{"type":510,"attrs":1546},{"href":1547,"uuid":27,"anchor":27,"target":27,"linktype":144},"https://www.spendesk.com/de/platform/spend-controls/",{"type":215,"attrs":1549},{"color":217},{"text":1551,"type":162,"marks":1552},"Spendesk Ausgabensteuerung",[1553,1555,1557],{"type":510,"attrs":1554},{"href":1547,"uuid":27,"anchor":27,"target":27,"linktype":144},{"type":215,"attrs":1556},{"color":522},{"type":524},{"text":1559,"type":162,"marks":1560}," können Unternehmen außerdem Beträge, Zeiträume, Rollen und Ausgabenkategorien in Freigabe- und Kartenprozesse einbinden.",[1561],{"type":215,"attrs":1562},{"color":217},{"type":250,"attrs":1564,"content":1565},{"level":532,"textAlign":27},[1566],{"text":1567,"type":162,"marks":1568},"Abonnements",[1569],{"type":215,"attrs":1570},{"color":217},{"type":156,"attrs":1572,"content":1574},{"textAlign":27,"key":1573},"p-53",[1575],{"text":1576,"type":162,"marks":1577},"Abonnements sollten nicht nur anhand der letzten Kontobewegung betrachtet werden. Für die Budgetplanung kann ein Unternehmen den erwarteten Vertragswert als gebundenen Betrag berücksichtigen. Sobald die monatliche Zahlung erfolgt, wird der entsprechende Betrag als ausgegeben erfasst.",[1578],{"type":215,"attrs":1579},{"color":217},{"type":156,"attrs":1581,"content":1583},{"textAlign":27,"key":1582},"p-54",[1584],{"text":1585,"type":162,"marks":1586},"Bei einem Software-Abonnement über 49 Euro pro Monat ergeben sich bei einer zwölfmonatigen Vertragslaufzeit insgesamt 588 Euro. Für das laufende Quartal kann es sinnvoll sein, nur die erwarteten Quartalszahlungen zu berücksichtigen. Für die Jahresplanung kann dagegen die gesamte vertragliche Verpflichtung relevant sein.",[1587],{"type":215,"attrs":1588},{"color":217},{"type":156,"attrs":1590,"content":1592},{"textAlign":27,"key":1591},"p-55",[1593,1598,1604,1612],{"text":1594,"type":162,"marks":1595},"Spendesk bietet eine zentrale Übersicht über aktive",[1596],{"type":215,"attrs":1597},{"color":217},{"text":507,"type":162,"marks":1599},[1600,1602],{"type":510,"attrs":1601},{"href":1527,"uuid":27,"anchor":27,"target":27,"linktype":144},{"type":215,"attrs":1603},{"color":217},{"text":1605,"type":162,"marks":1606},"Abonnementkarten",[1607,1609,1611],{"type":510,"attrs":1608},{"href":1527,"uuid":27,"anchor":27,"target":27,"linktype":144},{"type":215,"attrs":1610},{"color":522},{"type":524},{"text":1613,"type":162,"marks":1614}," und ermöglicht die Kontrolle von Kartenbudgets und wiederkehrenden Zahlungen. Die konkrete Zuordnung zum Budget sollte an die internen Planungsregeln angepasst werden.",[1615],{"type":215,"attrs":1616},{"color":217},{"type":250,"attrs":1618,"content":1619},{"level":532,"textAlign":27},[1620],{"text":1621,"type":162,"marks":1622},"Teillieferungen",[1623],{"type":215,"attrs":1624},{"color":217},{"type":156,"attrs":1626,"content":1628},{"textAlign":27,"key":1627},"p-56",[1629],{"text":1630,"type":162,"marks":1631},"Bei einer Bestellung über 200 Messetaschen für insgesamt 3.000 Euro kann eine Teillieferung die offene Bindung reduzieren. Werden zunächst 120 Taschen geliefert, entsprechen diese 1.800 Euro dem bereits erfüllten Teil der Bestellung. Die verbleibenden 1.200 Euro bleiben gebunden, bis die restliche Lieferung erfolgt oder die Bestellung geschlossen wird.",[1632],{"type":215,"attrs":1633},{"color":217},{"type":156,"attrs":1635,"content":1637},{"textAlign":27,"key":1636},"p-57",[1638],{"text":1639,"type":162,"marks":1640},"Ob eine solche Aufteilung automatisch erfolgt, hängt vom eingesetzten Einkaufs- oder ERP-Prozess ab. Wenn das System keine Teillieferungen verarbeitet, müssen die offenen Beträge manuell überprüft werden.",[1641],{"type":215,"attrs":1642},{"color":217},{"type":250,"attrs":1644,"content":1645},{"level":532,"textAlign":27},[1646],{"text":1647,"type":162,"marks":1648},"Stornierte Bestellungen",[1649],{"type":215,"attrs":1650},{"color":217},{"type":156,"attrs":1652,"content":1654},{"textAlign":27,"key":1653},"p-58",[1655],{"text":1656,"type":162,"marks":1657},"Wird eine Bestellung storniert, sollte die zugehörige Bindung zeitnah aufgehoben werden. Andernfalls blockiert sie Budget, das nicht mehr benötigt wird.",[1658],{"type":215,"attrs":1659},{"color":217},{"type":156,"attrs":1661,"content":1663},{"textAlign":27,"key":1662},"p-59",[1664],{"text":1665,"type":162,"marks":1666},"Ein regelmäßiger Abgleich offener Bestellungen, Anfragen und Rechnungen verhindert, dass veraltete Bindungen die Budgetübersicht verfälschen. Das gilt besonders zum Monats-, Quartals- und Jahresende.",[1667],{"type":215,"attrs":1668},{"color":217},{"type":250,"attrs":1670,"content":1671},{"level":252,"textAlign":27},[1672],{"text":1673,"type":162,"marks":1674},"Verfügbares Budget vor der Freigabe prüfen",[1675],{"type":215,"attrs":1676},{"color":217},{"type":156,"attrs":1678,"content":1680},{"textAlign":27,"key":1679},"p-60",[1681],{"text":1682,"type":162,"marks":1683},"Die Budgetprüfung ist besonders wirkungsvoll, wenn sie vor der Bestellung oder Zahlung stattfindet.",[1684],{"type":215,"attrs":1685},{"color":217},{"type":156,"attrs":1687,"content":1689},{"textAlign":27,"key":1688},"p-61",[1690],{"text":1691,"type":162,"marks":1692},"Kehren wir zur Anfrage über 6.000 Euro aus dem ersten Beispiel zurück. Der Einkauf sieht bei der Prüfung nicht nur das ursprünglich angezeigte freie Budget von 18.000 Euro. Er berücksichtigt auch die bereits genehmigten Bestellungen über 14.500 Euro. Damit bleiben nur 3.500 Euro verfügbar.",[1693],{"type":215,"attrs":1694},{"color":217},{"type":156,"attrs":1696,"content":1698},{"textAlign":27,"key":1697},"p-62",[1699],{"text":1700,"type":162,"marks":1701},"Die Anfrage überschreitet das Budget also um 2.500 Euro. Der Einkauf kann nun gemeinsam mit der budgetverantwortlichen Person entscheiden, ob er:",[1702],{"type":215,"attrs":1703},{"color":217},{"type":549,"content":1705},[1706,1717,1728,1739,1750],{"type":552,"content":1707},[1708],{"type":156,"attrs":1709,"content":1711},{"textAlign":27,"key":1710},"p-63",[1712],{"text":1713,"type":162,"marks":1714},"den Umfang der Bestellung reduziert,",[1715],{"type":215,"attrs":1716},{"color":217},{"type":552,"content":1718},[1719],{"type":156,"attrs":1720,"content":1722},{"textAlign":27,"key":1721},"p-64",[1723],{"text":1724,"type":162,"marks":1725},"eine bestehende Bestellung storniert,",[1726],{"type":215,"attrs":1727},{"color":217},{"type":552,"content":1729},[1730],{"type":156,"attrs":1731,"content":1733},{"textAlign":27,"key":1732},"p-65",[1734],{"text":1735,"type":162,"marks":1736},"Budget aus einem anderen Bereich umverteilt,",[1737],{"type":215,"attrs":1738},{"color":217},{"type":552,"content":1740},[1741],{"type":156,"attrs":1742,"content":1744},{"textAlign":27,"key":1743},"p-66",[1745],{"text":1746,"type":162,"marks":1747},"eine zusätzliche Freigabe einholt,",[1748],{"type":215,"attrs":1749},{"color":217},{"type":552,"content":1751},[1752],{"type":156,"attrs":1753,"content":1755},{"textAlign":27,"key":1754},"p-67",[1756],{"text":1757,"type":162,"marks":1758},"oder die Bestellung verschiebt.",[1759],{"type":215,"attrs":1760},{"color":217},{"type":156,"attrs":1762,"content":1764},{"textAlign":27,"key":1763},"p-68",[1765],{"text":1766,"type":162,"marks":1767},"Die Entscheidung fällt damit vor der Ausgabe und nicht erst beim Monatsabschluss.",[1768],{"type":215,"attrs":1769},{"color":217},{"type":250,"attrs":1771,"content":1772},{"level":252,"textAlign":27},[1773],{"text":1774,"type":162,"marks":1775},"Fünf Regeln für eine verlässliche Budgetkontrolle",[1776],{"type":215,"attrs":1777},{"color":217},{"type":156,"attrs":1779,"content":1781},{"textAlign":27,"key":1780},"p-69",[1782],{"text":1783,"type":162,"marks":1784},"Eine belastbare Budgetsteuerung braucht klare Definitionen und einen einheitlichen Prozess:",[1785],{"type":215,"attrs":1786},{"color":217},{"type":1788,"attrs":1789,"content":1791},"ordered_list",{"order":277,"key":1790},"ol-0",[1792,1803,1814,1825,1836],{"type":552,"content":1793},[1794],{"type":156,"attrs":1795,"content":1797},{"textAlign":27,"key":1796},"p-70",[1798],{"text":1799,"type":162,"marks":1800},"Definieren Sie gebundene und ausgegebene Ausgaben eindeutig.Legen Sie fest, welche Anfragen, Bestellungen, Rechnungen und Auslagen das verfügbare Budget reduzieren.",[1801],{"type":215,"attrs":1802},{"color":217},{"type":552,"content":1804},[1805],{"type":156,"attrs":1806,"content":1808},{"textAlign":27,"key":1807},"p-71",[1809],{"text":1810,"type":162,"marks":1811},"Berücksichtigen Sie freigegebene Ausgaben sofort.Eine Freigabe sollte nicht erst dann im Budget erscheinen, wenn die Zahlung erfolgt.",[1812],{"type":215,"attrs":1813},{"color":217},{"type":552,"content":1815},[1816],{"type":156,"attrs":1817,"content":1819},{"textAlign":27,"key":1818},"p-72",[1820],{"text":1821,"type":162,"marks":1822},"Ordnen Sie jede Ausgabe einem Budget zu.Kostenstelle, Projekt, Team oder Ausgabenkategorie sollten möglichst bereits bei der Anfrage erfasst werden.",[1823],{"type":215,"attrs":1824},{"color":217},{"type":552,"content":1826},[1827],{"type":156,"attrs":1828,"content":1830},{"textAlign":27,"key":1829},"p-73",[1831],{"text":1832,"type":162,"marks":1833},"Überprüfen Sie offene Bindungen regelmäßig.Stornierte, erledigte oder fehlerhafte Bestellungen müssen geschlossen werden.",[1834],{"type":215,"attrs":1835},{"color":217},{"type":552,"content":1837},[1838],{"type":156,"attrs":1839,"content":1841},{"textAlign":27,"key":1840},"p-74",[1842],{"text":1843,"type":162,"marks":1844},"Zeigen Sie das verfügbare Budget im Freigabeprozess.Freigebende sollten vor ihrer Entscheidung erkennen, wie sich eine Anfrage auf das Budget auswirkt.",[1845],{"type":215,"attrs":1846},{"color":217},{"type":156,"attrs":1848,"content":1850},{"textAlign":27,"key":1849},"p-75",[1851,1855,1861,1869],{"text":1519,"type":162,"marks":1852},[1853],{"type":215,"attrs":1854},{"color":217},{"text":507,"type":162,"marks":1856},[1857,1859],{"type":510,"attrs":1858},{"href":512,"uuid":27,"anchor":27,"target":27,"linktype":144},{"type":215,"attrs":1860},{"color":217},{"text":1862,"type":162,"marks":1863},"Spendesk Budgets",[1864,1866,1868],{"type":510,"attrs":1865},{"href":512,"uuid":27,"anchor":27,"target":27,"linktype":144},{"type":215,"attrs":1867},{"color":522},{"type":524},{"text":1870,"type":162,"marks":1871}," können Finanzteams Budgets mit Freigaben und Zahlungen verbinden. Budgetverantwortliche sehen, was bereits ausgegeben, was genehmigt, aber noch nicht bezahlt und was noch verfügbar ist. Die Budgetauswirkung einer Anfrage ist damit bereits vor der Freigabe sichtbar.",[1872],{"type":215,"attrs":1873},{"color":217},{"type":250,"attrs":1875,"content":1876},{"level":252,"textAlign":27},[1877],{"text":1878,"type":162,"marks":1879},"Was Spendesk Budgets unterstützt",[1880],{"type":215,"attrs":1881},{"color":217},{"type":156,"attrs":1883,"content":1885},{"textAlign":27,"key":1884},"p-76",[1886],{"text":1887,"type":162,"marks":1888},"Mit Spendesk Budgets können Finanzteams Budgets zentral verwalten und mit dem Ausgabenprozess verbinden. Kartenzahlungen, Erstattungsanträge und Rechnungen lassen sich einem passenden Budget zuordnen. Freigebende erhalten dadurch mehr Kontext, bevor sie eine Ausgabe genehmigen.",[1889],{"type":215,"attrs":1890},{"color":217},{"type":156,"attrs":1892,"content":1894},{"textAlign":27,"key":1893},"p-77",[1895,1900,1906,1914,1919,1925,1933],{"text":1896,"type":162,"marks":1897},"Spendesk unterstützt außerdem",[1898],{"type":215,"attrs":1899},{"color":217},{"text":507,"type":162,"marks":1901},[1902,1904],{"type":510,"attrs":1903},{"href":1547,"uuid":27,"anchor":27,"target":27,"linktype":144},{"type":215,"attrs":1905},{"color":217},{"text":1907,"type":162,"marks":1908},"Ausgabenregeln und Freigabeprozesse",[1909,1911,1913],{"type":510,"attrs":1910},{"href":1547,"uuid":27,"anchor":27,"target":27,"linktype":144},{"type":215,"attrs":1912},{"color":522},{"type":524},{"text":1915,"type":162,"marks":1916},", mit denen Unternehmen Beträge, Rollen, Kategorien und weitere Kriterien berücksichtigen können.",[1917],{"type":215,"attrs":1918},{"color":217},{"text":507,"type":162,"marks":1920},[1921,1923],{"type":510,"attrs":1922},{"href":1527,"uuid":27,"anchor":27,"target":27,"linktype":144},{"type":215,"attrs":1924},{"color":217},{"text":1926,"type":162,"marks":1927},"Firmenkarten",[1928,1930,1932],{"type":510,"attrs":1929},{"href":1527,"uuid":27,"anchor":27,"target":27,"linktype":144},{"type":215,"attrs":1931},{"color":522},{"type":524},{"text":1934,"type":162,"marks":1935}," können mit individuellen Limits und Einschränkungen versehen werden.",[1936],{"type":215,"attrs":1937},{"color":217},{"type":156,"attrs":1939,"content":1941},{"textAlign":27,"key":1940},"p-78",[1942],{"text":1943,"type":162,"marks":1944},"Der konkrete Funktionsumfang hängt vom Produktpaket, dem Land und der jeweiligen Konfiguration ab. Die Budgetlogik sollte deshalb vor dem Einsatz mit den internen Richtlinien für Controlling, Buchhaltung und Liquiditätsplanung abgestimmt werden.",[1945],{"type":215,"attrs":1946},{"color":217},{"name":1948,"created_at":1949,"published_at":16,"updated_at":1950,"id":1951,"uuid":1952,"content":1953,"slug":1960,"full_slug":1961,"sort_by_date":27,"position":72,"tag_list":1962,"is_startpage":30,"parent_id":1963,"meta_data":27,"group_id":1964,"first_published_at":1965,"release_id":27,"lang":34,"path":27,"alternates":1966,"default_full_slug":1967,"translated_slugs":1968,"_stopResolving":43},"Article","2022-08-16T21:22:30.004Z","2026-03-12T10:47:19.141Z",176457684,"8247dae6-c25f-40a0-a55e-abc94cf94989",{"_uid":1954,"icon":1955,"name":1948,"component":1959},"407a665a-29cb-4d52-87ff-12de3e192c58",{"id":1956,"alt":1957,"name":24,"focus":24,"title":24,"filename":1958,"copyright":24,"fieldtype":141,"is_external_url":30},5859474,"edit-img","https://a.storyblok.com/f/146026/x/fd72101ce9/edit.svg","category","article","de/blog/category/article",[],176456151,"124984e3-bd16-480f-bdda-d9b6ec869fc7","2022-11-02T15:25:23.777Z",[],"blog/category/article",[1969,1970,1971],{"path":1967,"name":27,"lang":39,"published":27},{"path":1967,"name":27,"lang":34,"published":27},{"path":1967,"name":27,"lang":42,"published":27},[34],[],[],"2026-11-13 00:00",[],[1978],{"_uid":1979,"link":1980,"asset":1981,"caption":24,"component":805},"03a43ae8-9771-492d-a184-287517f8275c",{"id":24,"url":24,"linktype":795,"fieldtype":145,"cached_url":796,"prep":43},{"id":1982,"alt":1983,"name":24,"focus":24,"title":1984,"source":119,"filename":1985,"copyright":24,"fieldtype":141,"meta_data":1986,"is_external_url":30},241142131142257,"Symbolische Darstellung von gebundenen und bezahlten Ausgaben sowie dem verbleibenden Budget","Gebundene Ausgaben und verfügbares Budget im Überblick","https://a.storyblok.com/f/146026/1536x1024/53ee792a9b/gebundene-ausgaben-verfuegbares-budget-header.png",{"alt":1983,"size":1987,"title":1984,"source":119},"1536x1024","Gebundene und ausgegebene Ausgaben richtig unterscheiden: So berechnen Sie Ihr verfügbares Budget und vermeiden Budgetüberschreitungen.",[1990],{"cta":1991,"_uid":1998,"image":1999,"title":2001,"subtitle":2016,"component":2017,"imageFullWidth":30},[1992],{"tag":24,"_uid":1993,"hide":30,"icon":1994,"link":1996,"type":24,"label":1997,"style":146,"component":147,"mobileLabel":24,"onClickEvent":24,"openInANewTab":30,"horizontalFill":30,"isDownloadable":30},"cef0b6b9-aea2-4a74-8ebf-a20774f4085e",{"id":27,"alt":27,"name":24,"focus":27,"title":27,"source":27,"filename":24,"copyright":27,"fieldtype":141,"meta_data":1995},{},{"id":24,"url":512,"linktype":144,"fieldtype":145,"cached_url":512},"Spendesk Busgets kennenlernen","832fdf09-ff4f-4cde-ad8c-89bc4f0cd5d6",{"id":27,"alt":27,"name":24,"focus":27,"title":27,"source":27,"filename":24,"copyright":27,"fieldtype":141,"meta_data":2000},{},{"type":153,"attrs":2002,"content":2003},{"backgroundColor":27},[2004],{"type":156,"attrs":2005,"content":2006},{"textAlign":27,"key":158},[2007],{"text":2008,"type":162,"marks":2009},"Budgets im Blick, bevor das Geld fließt",[2010,2012],{"type":215,"attrs":2011},{"color":217},{"type":2013,"attrs":2014},"styled",{"class":2015},"text-item-heading text-item-heading-md","Mit Spendesk Budgets sehen Finanzteams und Budgetverantwortliche, welche Beträge bereits ausgegeben, gebunden oder noch verfügbar sind. 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Sobald eine gebundene Ausgabe bezahlt wird, wechselt sie in der operativen Budgetansicht in die Kategorie der ausgegebenen Ausgaben.",[2036],{"type":215,"attrs":2037},{"color":217},{"_uid":2039,"hide":30,"title":2040,"component":2026,"description":2041},"2a2bf2be-c5ed-4212-9047-2ca1cee544c7","Wie berechne ich mein verfügbares Budget?",{"type":153,"attrs":2042,"content":2043},{"backgroundColor":27},[2044],{"type":156,"attrs":2045,"content":2046},{"textAlign":27,"key":158},[2047],{"text":2048,"type":162,"marks":2049},"Ziehen Sie vom Gesamtbudget alle ausgegebenen und gebundenen Ausgaben ab. Bei einem Budget von 60.000 Euro, 12.650 Euro ausgegebenen und 38.550 Euro gebundenen Ausgaben bleiben 8.800 Euro verfügbar.",[2050],{"type":215,"attrs":2051},{"color":217},{"_uid":2053,"hide":30,"title":2054,"component":2026,"description":2055},"5f9ad3e6-e288-41f0-9bef-7a3b96764f63","Ist eine gebundene Ausgabe dasselbe wie ein Obligo?",{"type":153,"attrs":2056,"content":2057},{"backgroundColor":27},[2058],{"type":156,"attrs":2059,"content":2060},{"textAlign":27,"key":158},[2061],{"text":2062,"type":162,"marks":2063},"Nicht immer. Beide Begriffe beschreiben häufig zugesagte Beträge, die noch nicht als bezahlt oder als Ist-Ausgaben erfasst wurden. Die genaue Bedeutung von Obligo hängt jedoch vom Controlling- oder ERP-System ab. Legen Sie deshalb unternehmensweit fest, welche Beträge als gebunden gelten.",[2064],{"type":215,"attrs":2065},{"color":217},{"_uid":2067,"hide":30,"title":2068,"component":2026,"description":2069},"1d31e6b8-e445-4c48-bc4b-951be803ac68","Zählt eine genehmigte, aber noch nicht bezahlte Ausgabe bereits gegen das Budget?",{"type":153,"attrs":2070,"content":2071},{"backgroundColor":27},[2072],{"type":156,"attrs":2073,"content":2074},{"textAlign":27,"key":158},[2075,2080,2086,2093],{"text":2076,"type":162,"marks":2077},"Für die operative Budgetsteuerung sollte sie grundsätzlich berücksichtigt werden. Andernfalls erscheint das verfügbare Budget größer, als es tatsächlich ist. 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Ein Betrag kann in das nächste Geschäftsjahr übertragen, einer neuen Periode zugeordnet oder durch das Schließen der Bestellung freigegeben werden. Offene Bestellungen sollten deshalb zum Jahreswechsel geprüft und korrekt behandelt werden.",[2110],{"type":215,"attrs":2111},{"color":217},{"_uid":2113,"hide":30,"title":2114,"component":2026,"description":2115},"d6194c87-0a01-4260-9fdf-e250aaa703e6","Wie oft sollte das verfügbare Budget aktualisiert werden?",{"type":153,"attrs":2116,"content":2117},{"backgroundColor":27},[2118],{"type":156,"attrs":2119,"content":2120},{"textAlign":27,"key":158},[2121],{"text":2122,"type":162,"marks":2123},"Das Budget sollte mindestens dann aktualisiert werden, wenn neue Ausgaben genehmigt werden. 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Skonto ist ein Preisnachlass für eine frühere Zahlung innerhalb einer kürzeren Frist.",[3862],{"type":215,"attrs":3863},{"color":217},{"_uid":3865,"hide":30,"title":3866,"component":2026,"description":3867},"ca2c2128-7502-4d4a-a69c-70905d39ec87","Wann sollte ein Unternehmen Skonto nutzen?",{"type":153,"attrs":3868,"content":3869},{"backgroundColor":27},[3870],{"type":156,"attrs":3871,"content":3872},{"textAlign":27},[3873],{"text":3874,"type":162,"marks":3875},"Skonto sollte genutzt werden, wenn ausreichend Liquidität vorhanden ist und der annualisierte Skontovorteil über den Kosten der Finanzierung oder der besten alternativen Verwendung des Geldes liegt.",[3876],{"type":215,"attrs":3877},{"color":217},{"_uid":3879,"hide":30,"title":3880,"component":2026,"description":3881},"b31b54ca-7cb5-49e3-bab1-16d32c47b62f","Wie wird der effektive Skontozins berechnet?",{"type":153,"attrs":3882,"content":3883},{"backgroundColor":27},[3884],{"type":156,"attrs":3885,"content":3886},{"textAlign":27},[3887],{"text":3888,"type":162,"marks":3889},"Der Skontosatz wird durch den um den Skontosatz reduzierten Rechnungsbetrag geteilt. Das Ergebnis wird anschließend mit 360 multipliziert und durch die zusätzlichen Finanzierungstage geteilt.",[3890],{"type":215,"attrs":3891},{"color":217},{"_uid":3893,"hide":30,"title":3894,"component":2026,"description":3895},"39e89f22-6f11-469a-8437-85197ae49d9f","Was bedeutet „30 Tage netto“?",{"type":153,"attrs":3896,"content":3897},{"backgroundColor":27},[3898],{"type":156,"attrs":3899,"content":3900},{"textAlign":27},[3901],{"text":3902,"type":162,"marks":3903},"„30 Tage netto“ bedeutet, dass der vollständige Rechnungsbetrag innerhalb der vereinbarten Frist bezahlt werden muss. Der Beginn der Frist richtet sich nach dem Vertrag. 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Spendesk unterstützt Ihr Finanzteam bei der vorbereitenden Buchhaltung und übergibt strukturierte Daten und Belegbilder an DATEV.",[4421],{"cta":4422,"_uid":4423,"items":4424,"heading":4523,"reverse":30,"component":2146,"sectionSettings":4543},[],"77d71d78-9640-406e-87a0-466a84335613",[4425,4439,4453,4467,4481,4495,4509],{"_uid":4426,"hide":30,"title":4427,"component":2026,"description":4428},"0576daee-8bad-47d6-826b-aae79189121f","Was ist der Unterschied zwischen OCR und KI in der Buchhaltung?",{"type":153,"attrs":4429,"content":4430},{"backgroundColor":27},[4431],{"type":156,"attrs":4432,"content":4433},{"textAlign":27},[4434],{"text":4435,"type":162,"marks":4436},"OCR macht Text aus einem Beleg maschinenlesbar. KI oder andere automatisierte Verfahren interpretieren diese Daten und erkennen beispielsweise Lieferant:in, Betrag, Steuersatz oder Kostenstelle. Nicht jede Lösung verwendet dafür dieselbe Technologie.",[4437],{"type":215,"attrs":4438},{"color":217},{"_uid":4440,"hide":30,"title":4441,"component":2026,"description":4442},"358b8769-52b3-411f-aa74-dff764a90d68","Ersetzt Buchhaltungssoftware die Steuerkanzlei?",{"type":153,"attrs":4443,"content":4444},{"backgroundColor":27},[4445],{"type":156,"attrs":4446,"content":4447},{"textAlign":27},[4448],{"text":4449,"type":162,"marks":4450},"Nein. Software kann Erfassung, Abstimmung und vorbereitende Buchhaltung automatisieren. Abschluss, Steuerfragen und fachliche Beratung bleiben in vielen Unternehmen bei der Steuerkanzlei oder beim internen Finanzteam.",[4451],{"type":215,"attrs":4452},{"color":217},{"_uid":4454,"hide":30,"title":4455,"component":2026,"description":4456},"1d4df95a-808b-4a90-9fa8-75d8a4129beb","Ist automatisierte Buchhaltung GoBD-konform?",{"type":153,"attrs":4457,"content":4458},{"backgroundColor":27},[4459],{"type":156,"attrs":4460,"content":4461},{"textAlign":27},[4462],{"text":4463,"type":162,"marks":4464},"Das hängt von Software, Einrichtung und Prozess ab. Die Software sollte Änderungen nachvollziehbar protokollieren, Belege unverändert archivieren und die erforderlichen Auswertungen ermöglichen. Die Verfahrensdokumentation für den konkreten Prozess bleibt Aufgabe des Unternehmens.",[4465],{"type":215,"attrs":4466},{"color":217},{"_uid":4468,"hide":30,"title":4469,"component":2026,"description":4470},"f9b7f407-c35e-48ed-b967-17b423ed1ac2","Welche DATEV-Schnittstelle ist die richtige?",{"type":153,"attrs":4471,"content":4472},{"backgroundColor":27},[4473],{"type":156,"attrs":4474,"content":4475},{"textAlign":27},[4476],{"text":4477,"type":162,"marks":4478},"Das hängt davon ab, ob Sie nur Buchungsdaten, nur Belegbilder oder beides übertragen möchten. Für regelmäßige Übergaben mit Belegen eignen sich Online-Datenservices. Bei kleinen Volumen kann auch ein Dateiimport ausreichen. Stimmen Sie die Auswahl mit Ihrer Steuerkanzlei ab.",[4479],{"type":215,"attrs":4480},{"color":217},{"_uid":4482,"hide":30,"title":4483,"component":2026,"description":4484},"548f297d-154c-4495-81bc-624e004bba22","Funktioniert Buchhaltungsautomatisierung bei mehreren Gesellschaften?",{"type":153,"attrs":4485,"content":4486},{"backgroundColor":27},[4487],{"type":156,"attrs":4488,"content":4489},{"textAlign":27},[4490],{"text":4491,"type":162,"marks":4492},"Ja, wenn die Lösung getrennte Gesellschaften, Kontenrahmen, Kostenstellen und DATEV-Exporte unterstützt. Testen Sie im Pilot, ob jede Kartenzahlung und jede Rechnung automatisch der richtigen Gesellschaft zugeordnet wird.",[4493],{"type":215,"attrs":4494},{"color":217},{"_uid":4496,"hide":30,"title":4497,"component":2026,"description":4498},"930c3fb9-9dd0-4f5c-ae50-29305fcdd5dd","Kann kostenlose Buchhaltungssoftware im Mittelstand ausreichen?",{"type":153,"attrs":4499,"content":4500},{"backgroundColor":27},[4501],{"type":156,"attrs":4502,"content":4503},{"textAlign":27},[4504],{"text":4505,"type":162,"marks":4506},"Das hängt vom Prozess ab. Prüfen Sie insbesondere mehrere Gesellschaften, Freigaben, Belegbilder, DATEV-Übergabe, E-Rechnungen und Rollenrechte. Je komplexer die Ausgabenprozesse sind,",[4507],{"type":215,"attrs":4508},{"color":217},{"_uid":4510,"hide":30,"title":4511,"component":2026,"description":4512},"6977065e-c0eb-4e4c-82a5-4407525b3305","Buchhaltungsprozesse mit DATEV-Übergabe automatisieren",{"type":153,"attrs":4513,"content":4514},{"backgroundColor":27},[4515],{"type":156,"attrs":4516,"content":4517},{"textAlign":27},[4518],{"text":4519,"type":162,"marks":4520},"Eine geeignete Lösung verbindet Belegerfassung, Firmenkarten, Rechnungen und Freigaben mit Ihrer bestehenden Finanzbuchhaltung. So erhält Ihre Steuerkanzlei strukturierte Daten und Belegbilder, während Ihr Finanzteam weniger Zeit mit Nachfragen und manueller Erfassung verbringt.",[4521],{"type":215,"attrs":4522},{"color":217},[4524],{"cta":4525,"_uid":4526,"title":4527,"layout":24,"eyebrow":4535,"subtitle":4538,"component":250,"textAlign":24,"eyebrowPill":30,"checkmarkList":30,"flexibleSection":4541,"sectionSettings":4542,"displaySeparator":30,"breakLineOnMobile":30,"subtitleLeftBorder":30,"customTitleFontSize":24},[],"a626b343-465d-4ef3-ac94-6123e425a239",{"type":153,"attrs":4528,"content":4529},{"backgroundColor":27},[4530],{"type":250,"attrs":4531,"content":4532},{"level":252,"textAlign":27},[4533],{"text":4534,"type":162},"Häufige Fragen zu Buchhaltungsautomatisierung",{"type":153,"content":4536},[4537],{"type":156},{"type":153,"content":4539},[4540],{"type":156},[],[],[],"buchhaltung-automatisieren","de/blog/buchhaltung-automatisieren",-3830,[],"2c781f23-c991-403f-aed7-f045add6cddf","2026-10-23T10:29:40.815Z",[],"blog/buchhaltung-automatisieren",[4553,4554,4555],{"path":4551,"name":27,"lang":39,"published":27},{"path":4551,"name":27,"lang":34,"published":27},{"path":4551,"name":27,"lang":42,"published":27},1794565210699]