{"id":2142,"date":"2025-04-18T10:27:59","date_gmt":"2025-04-18T15:27:59","guid":{"rendered":"https:\/\/www.abileneteachersfcu.org\/?p=2142"},"modified":"2026-03-11T10:11:55","modified_gmt":"2026-03-11T15:11:55","slug":"que-hacer-con-su-primer-cheque-de-nomina","status":"publish","type":"post","link":"https:\/\/www.abileneteachersfcu.org\/es\/blog\/what-to-do-with-your-first-paycheck\/","title":{"rendered":"Qu\u00e9 hacer con su primer cheque de pago"},"content":{"rendered":"

Como parte de los cambios para los que se est\u00e1 preparando en los meses posteriores a su graduaci\u00f3n, est\u00e1 preparado para ingresar al mundo laboral como empleado a largo plazo, tal vez por primera vez en su vida. Mientras se prepara para esta transici\u00f3n, es posible que tenga signos de d\u00f3lar bailando en su cabeza mientras sue\u00f1a con lo que va a hacer con su primer cheque de pago.<\/p>\n

Antes de comenzar a planificar una jornada de compras de uno de cada color en el centro comercial o un fin de semana en Las Vegas, consulte nuestra lista de cosas responsables que puede hacer con su primer cheque de pago.<\/p>\n

Iniciar un fondo de emergencia<\/span><\/h4>\n

El primer paso para ganar un salario regular deber\u00eda ser iniciar un fondo de emergencia. Seg\u00fan los expertos financieros, es mejor tener guardados los gastos de manutenci\u00f3n de 3 a 6 meses en caso de que no pueda trabajar por alg\u00fan motivo. De lo contrario, una costosa emergencia o un despido sorpresa pueden obligarlo a endeudarse y tardar a\u00f1os en recuperarse. Al elaborar un presupuesto, establezca un plan para crear su fondo de emergencia en el menor tiempo posible. Una vez que est\u00e9 completamente financiado, podr\u00e1 usar ese dinero para otros ahorros.<\/p>\n

Abrir una cuenta de ahorros<\/span><\/h4>\n

Si a\u00fan no lo ha hecho, abra un cuenta de ahorro<\/a> Si a\u00fan no lo ha hecho, abra una cuenta de ahorros en Abilene Teachers FCU y comience a ahorrar una peque\u00f1a cantidad de dinero cada mes. Existen varias escuelas de pensamiento sobre cu\u00e1nto de sus ingresos mensuales debe destinar a ahorros, y la mayor\u00eda de los expertos recomiendan que reserve el 20 por ciento de su sueldo. Si no puede permitirse el lujo de hacer eso ahora, especialmente mientras trabaja en la creaci\u00f3n de su fondo de emergencia, sigue siendo crucial ahorrar todo lo que pueda, simplemente para desarrollar el h\u00e1bito del ahorro. Puede utilizar estos ahorros para objetivos a largo plazo, como comprar una casa o un autom\u00f3vil nuevo en los pr\u00f3ximos a\u00f1os, y objetivos a corto plazo, como una escapada de verano o una compra importante, como un nuevo sistema de entretenimiento.<\/p>\n

Empieza a ahorrar para tu jubilaci\u00f3n<\/span><\/h4>\n

Es posible que a\u00fan est\u00e9 a a\u00f1os luz de su jubilaci\u00f3n, pero cuanto antes comience a planificarla, menos tendr\u00e1 que ahorrar cada mes. Adem\u00e1s, tendr\u00e1s m\u00e1s ahorros cuando dejes de trabajar.<\/p>\n

Primero, hable con un representante de Recursos Humanos en su lugar de trabajo para preguntarle sobre el 401(k). Muchas empresas igualar\u00e1n sus contribuciones hasta una cantidad determinada. Estos fondos no est\u00e1n sujetos a impuestos hasta que los retira, por lo que cualquier dinero que aporte con su cheque de pago es casi como dinero gratis.<\/p>\n

Si su empresa no ofrece aportaciones al plan 401(k), tambi\u00e9n puede estudiar la posibilidad de abrir una cuenta de ahorro. Cuenta de jubilaci\u00f3n individual (IRA)<\/a> por su cuenta. Abilene Teachers FCU ofrece cuentas IRA tradicionales y Roth.<\/p>\n

Realice un pago para su pr\u00e9stamo estudiantil<\/span><\/h4>\n

Antes de poder reclamar el resto de su dinero como propio, deber\u00e1 realizar al menos el pago mensual m\u00ednimo de su pr\u00e9stamo estudiantil. Si no comenz\u00f3 a trabajar inmediatamente despu\u00e9s de la universidad, es posible que ya haya realizado los primeros pagos de la deuda de su pr\u00e9stamo estudiantil. Pero, ya sea que este sea su primer pago o no, es mejor maximizar el monto que paga por deuda cada mes. Tenga en cuenta que las compa\u00f1\u00edas de pr\u00e9stamos para estudiantes, al igual que las compa\u00f1\u00edas de tarjetas de cr\u00e9dito, buscan ganar dinero. La forma m\u00e1s sencilla de hacerlo es mantenerlo endeudado durante el mayor tiempo posible facilit\u00e1ndoles el pago s\u00f3lo del pago mensual m\u00ednimo. Vence al sistema aumentando tus pagos al monto m\u00e1ximo que puedas manejar.<\/p>\n

Haga un presupuesto inteligente<\/span><\/h4>\n

Ahora que has eliminado todas las cosas aburridas, eres libre de gastar tu dinero como quieras. Establezca h\u00e1bitos de gasto responsables estableciendo un presupuesto viable que incorpore todos sus gastos fijos y no fijos. Con una planificaci\u00f3n cuidadosa y una mirada hacia el futuro, podr\u00e1 disfrutar de su nuevo estatus como adulto responsable y trabajador.<\/p>","protected":false},"excerpt":{"rendered":"

\u00a1Acabas de recibir tu primer cheque de pago real! Sin embargo, antes de reservar ese vuelo a Las Vegas, es hora de ser realista sobre c\u00f3mo lo gastar\u00e1. Comience a ahorrar dinero para su fondo de emergencia (gastos de 3 a 6 meses) y ponga algo en su cuenta de ahorros en ATFCU. sigue leyendo \u2192<\/span><\/a><\/p>","protected":false},"author":9,"featured_media":2468,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"_searchwp_excluded":"","footnotes":""},"categories":[43],"tags":[],"class_list":["post-2142","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-budgeting"],"acf":[],"yoast_head":"\nWhat to Do with Your First Paycheck - Abilene Teachers FCU<\/title>\n<meta name=\"description\" content=\"You just got your first real paycheck! 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