{"id":2158,"date":"2024-09-13T11:31:02","date_gmt":"2024-09-13T16:31:02","guid":{"rendered":"https:\/\/www.abileneteachersfcu.org\/?p=2158"},"modified":"2026-06-30T10:43:14","modified_gmt":"2026-06-30T15:43:14","slug":"ensenar-a-los-ninos-sobre-el-dinero","status":"publish","type":"post","link":"https:\/\/www.abileneteachersfcu.org\/es\/blog\/teaching-children-about-money\/","title":{"rendered":"Ense\u00f1ar a los ni\u00f1os sobre el dinero"},"content":{"rendered":"

Uno de los regalos m\u00e1s importantes que puedes dar a los ni\u00f1os de tu vida, ya sean tus propios hijos, nietos, sobrinos o sobrinas, es una base s\u00f3lida en la gesti\u00f3n del dinero.<\/p>\n

La asignaci\u00f3n de los tres frascos<\/h3>\n

Para aprender a administrar el dinero, los ni\u00f1os necesitan practicar de forma pr\u00e1ctica. Por lo general, esto comienza con una paga o con los ingresos de peque\u00f1os trabajos en el vecindario.<\/span> Decidir cu\u00e1nto dar y si vincularlo a las tareas del hogar es un tema muy debatido, as\u00ed que elige la opci\u00f3n que mejor se adapte a los valores de tu familia. El objetivo principal es simplemente brindarles una herramienta para aprender a planificar.<\/p>\n

Para los ni\u00f1os m\u00e1s peque\u00f1os, un presupuesto visual funciona de maravilla. Prueba a usar tres frascos transparentes etiquetados de la siguiente manera:<\/p>\n

    \n
  1. Gasto:<\/b> Para compras peque\u00f1as e inmediatas (como golosinas o juguetes peque\u00f1os).<\/li>\n
  2. Ahorros a corto plazo:<\/b> Para objetivos m\u00e1s ambiciosos que requieren varias semanas o meses para alcanzarse.<\/li>\n
  3. Ahorros a largo plazo:<\/b> Para metas a largo plazo, como comprar un primer coche o ir a la universidad.<\/li>\n<\/ol>\n

    Separar el dinero en efectivo en frascos transparentes permite a los ni\u00f1os ver c\u00f3mo crecen sus ahorros.<\/span> Si quieres fomentar el compartir, puedes a\u00f1adir f\u00e1cilmente un cuarto tarro para Donaciones caritativas<\/b> (reservando una cantidad fija como 10%).<\/p>\n

    Cuando las huchas f\u00edsicas empiezan a llenarse, o si tienes una familia numerosa donde las huchas son propensas a sufrir "saqueos" accidentales, es hora de pasarse a la cooperativa de cr\u00e9dito.<\/span><\/p>\n

    En Abilene Teachers FCU, nuestras cuentas de ahorro para j\u00f3venes no requieren comisiones mensuales ni saldos m\u00ednimos, y adem\u00e1s generan dividendos activamente.<\/span> Ofrecemos el <\/span>Cuenta de ahorros Safari<\/span><\/b><\/a> (con Safari Bucks para divertidos premios en el vest\u00edbulo) para ni\u00f1os de 0 a 12 a\u00f1os, que se integra perfectamente con nuestro <\/span>Cuenta para adolescentes Skills for Life<\/span><\/b><\/a> una vez que cumplan 13 a\u00f1os.<\/span><\/p>\n

    Equilibrar gastos, ahorros y objetivos<\/h3>\n

    Parte de la conversaci\u00f3n sobre educaci\u00f3n financiera consiste en ense\u00f1ar a los ni\u00f1os que un presupuesto no es algo inamovible; implica realizar ajustes constantes.<\/span> Ayuda a tu hijo a planificar sus gastos semanales para determinar el saldo de su alcanc\u00eda y perm\u00edtele elegir una meta espec\u00edfica a la vez para sus ahorros a corto plazo. Experimentar la paciencia que se necesita para ahorrar para un art\u00edculo es una lecci\u00f3n crucial, \u00a1incluso si m\u00e1s adelante descubre que el juguete no val\u00eda la pena el esfuerzo!<\/p>\n

    Para alcanzar objetivos a largo plazo, el est\u00e1ndar 10% es un excelente punto de partida.<\/span> Para que ahorrar a largo plazo resulte atractivo, considere la posibilidad de ofrecer una contribuci\u00f3n equivalente por parte de los padres, aportando 50 centavos o un d\u00f3lar por cada d\u00f3lar que estos ahorren de forma segura.<\/span><\/p>\n

    Da el siguiente paso<\/h3>\n

    Cuando est\u00e9 listo para abrir una cuenta de ahorros para que su hijo pase de los frascos a la banca digital, nuestros representantes de servicio al cliente est\u00e1n aqu\u00ed para ayudarle. Puede explorar los detalles en nuestra Ahorro para j\u00f3venes<\/a> p\u00e1gina.<\/p>\n

    \u00bfBuscas otra forma divertida e interactiva de practicar? Echa un vistazo a nuestra \u00a1Banzai! plataforma<\/a>, que ofrece juegos gratuitos de simulaci\u00f3n de la vida real dise\u00f1ados para ense\u00f1ar a ni\u00f1os, adolescentes y adultos el poder de una gesti\u00f3n presupuestaria inteligente de una manera divertida y l\u00fadica.<\/p>","protected":false},"excerpt":{"rendered":"

    Want to raise money-smart kids? Discover how the classic “Three-Jar Allowance” builds visual budgeting habits in younger children, and learn how to smoothly transition those habits into real-world youth savings accounts as they grow sigue leyendo \u2192<\/span><\/a><\/p>","protected":false},"author":9,"featured_media":2455,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"_searchwp_excluded":"","footnotes":""},"categories":[49],"tags":[],"class_list":["post-2158","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-kids-teens"],"acf":[],"yoast_head":"\nTeaching Children About Money - Abilene Teachers FCU<\/title>\n<meta name=\"description\" content=\"Learn how to teach children the value of money and the basic concepts of earning, using, saving and investing money.\" \/>\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.abileneteachersfcu.org\/es\/blog\/ensenar-a-los-ninos-sobre-el-dinero\/\" \/>\n<meta property=\"og:locale\" content=\"es_ES\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Teaching Children About Money - 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