{"id":2146,"date":"2025-04-18T10:13:16","date_gmt":"2025-04-18T15:13:16","guid":{"rendered":"https:\/\/www.abileneteachersfcu.org\/?p=2146"},"modified":"2026-04-13T16:20:45","modified_gmt":"2026-04-13T21:20:45","slug":"cuanto-dinero-debo-tener-en-mi-cuenta-corriente","status":"publish","type":"post","link":"https:\/\/www.abileneteachersfcu.org\/es\/blog\/cuanto-dinero-debo-tener-en-mi-cuenta-corriente\/","title":{"rendered":"\u00bfCu\u00e1nto dinero debo mantener en mi cuenta corriente?"},"content":{"rendered":"

La mayor\u00eda de nosotros usamos nuestras cuentas corrientes a diario. Cada vez que pasamos una tarjeta de d\u00e9bito, cada factura que pagamos y cada cheque personal que emitimos, se retira dinero de nuestra cuenta corriente. Pero, \u00bfcu\u00e1nto dinero deber\u00edamos guardar en estas cuentas s\u00faper convenientes? Vamos a averiguar.<\/p>\n

\u00bfCu\u00e1l es tu n\u00famero m\u00e1gico?<\/strong><\/p>\n

Lo mejor es tener siempre en la cuenta corriente el equivalente a uno o dos meses de gastos b\u00e1sicos. Algunos expertos sugieren a\u00f1adir un 30 % para un colch\u00f3n adicional.<\/p>\n

Para determinar sus gastos de manutenci\u00f3n exactos, realice un seguimiento de sus gastos durante varios meses, incluidas todas las facturas y los gastos discrecionales.<\/p>\n

\u00bfPor qu\u00e9 mantener tanto dinero en su cuenta corriente?<\/strong>
\nAqu\u00ed hay tres razones por las que desea mantener su cuenta corriente bien protegida en todo momento:<\/p>\n

    \n
  1. Evite los sobregiros.<\/span> Incluso las personas con ingresos altos pueden calcular mal sus gastos y terminar con una cuenta sobregirada. \u00bfPor qu\u00e9 arriesgarse a que le cobren cargos por sobregiro por cada transacci\u00f3n cuando puede evitarlos f\u00e1cilmente? Aqu\u00ed, en Abilene Teachers FCU, puede inscribirse para obtener protecci\u00f3n contra sobregiros para asegurarse de no volver a pagar una tarifa por una cuenta sobregirada.<\/li>\n
  2. Proporcionar un colch\u00f3n para las retenciones de autorizaci\u00f3n previa.<\/span> Algunos comerciantes retienen una autorizaci\u00f3n previa en su tarjeta de d\u00e9bito hasta que se completa la transacci\u00f3n. Estas retenciones pueden reducir el saldo disponible de su cuenta corriente hasta $100 por retenci\u00f3n. Mantener su cuenta bien financiada le permite acomodar c\u00f3modamente las retenciones sin temer un saldo negativo.<\/li>\n
  3. Mantenga fondos l\u00edquidos disponibles.<\/span> Una cuenta corriente s\u00f3lida significa que el acceso al efectivo est\u00e1 a solo una transacci\u00f3n en cajero autom\u00e1tico.<\/li>\n<\/ol>\n

    \u00bfPuedo tener demasiado dinero en mi cuenta corriente?<\/span>
    \nTener una cuenta corriente sobrecargada puede significar que se est\u00e1 perdiendo mayores rendimientos que podr\u00eda obtener si mantuviera esos mismos fondos en una cuenta Abilene Teachers FCU. Certificado de ahorro<\/a> o Ahorros del mercado monetario<\/a> cuenta.<\/p>\n

    Una vez que haya determinado exactamente cu\u00e1nto dinero debe mantener en su cuenta corriente, busque otras opciones para el resto de sus fondos. Hable con un representante de servicios para miembros de ATFCU para conocer nuestras diversas opciones de ahorro y determinar cu\u00e1l es la adecuada para usted.<\/p>\n

    Si te atreves<\/span>
    \nAhora que sus n\u00fameros de cuenta corriente est\u00e1n resueltos, es posible que desee considerar una forma no convencional de simplificar la administraci\u00f3n del dinero: abra dos cuentas corrientes separadas.<\/p>\n

    As\u00ed es como funciona:<\/span> Abrir\u00e1 una segunda cuenta corriente de Abilene Teachers FCU y, cuando su cheque de pago se liquide, transferir\u00e1 todos los fondos que necesita para pagar sus facturas a su segunda cuenta. Si tiene alguna factura vinculada a su cuenta corriente anterior, aseg\u00farese de actualizar la informaci\u00f3n antes de su vencimiento. De esta manera, pagar\u00e1 todas sus facturas desde una sola cuenta. Lo mejor de todo es que con dos cuentas podr\u00e1s saber exactamente cu\u00e1nto dinero te queda para gastar cada mes sin hacer gimnasia matem\u00e1tica.<\/p>\n

    \u00a1Es un presupuesto simplificado!<\/p>","protected":false},"excerpt":{"rendered":"

    Quiere que su dinero trabaje para usted, entonces, \u00bfcu\u00e1nto debe mantener en su cuenta corriente en comparaci\u00f3n con una cuenta de ahorros u otra cuenta que genere intereses m\u00e1s altos? \u00a1El siguiente blog te brinda algunas ideas y diferentes opciones a la hora de aprovechar al m\u00e1ximo tu dinero! sigue leyendo \u2192<\/span><\/a><\/p>","protected":false},"author":9,"featured_media":2465,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"_searchwp_excluded":"","footnotes":""},"categories":[43],"tags":[],"class_list":["post-2146","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-budgeting"],"acf":[],"yoast_head":"\nHow Much Money Should I Keep in My Checking Account? 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