{"id":2158,"date":"2024-09-13T11:31:02","date_gmt":"2024-09-13T16:31:02","guid":{"rendered":"https:\/\/www.abileneteachersfcu.org\/?p=2158"},"modified":"2026-05-11T14:41:20","modified_gmt":"2026-05-11T19:41:20","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":"

Una de las cosas m\u00e1s importantes que puede ense\u00f1arles a sus hijos es c\u00f3mo administrar el dinero e invertirlo para el futuro. Esto se aplica a todos los ni\u00f1os de su vida: sus propios hijos, nietos, sobrinos y tal vez incluso al hijo de un amigo cercano.<\/p>\n

La asignaci\u00f3n de los tres frascos<\/span>
\nPara aprender a administrar el dinero, los ni\u00f1os necesitan algo de dinero para administrar. Normalmente, este dinero proviene de una asignaci\u00f3n o de realizar peque\u00f1os trabajos para amigos y vecinos. Como primer paso, tendr\u00e1 que decidir cu\u00e1nto debe ser el subsidio y si debe estar vinculado a los trabajos que deben realizar.<\/p>\n

Como advertencia, ambos son temas de acalorados debates, por lo que vale la pena investigar un poco y sopesar con qu\u00e9 se siente c\u00f3modo. Por ejemplo, si espera que un ni\u00f1o mayor utilice parte del subsidio para cubrir necesidades, como ropa y \u00fatiles escolares, puede decidir que necesita una cantidad mayor que si usted mismo pagara esas facturas. Sin embargo, decida lo que decida, recuerde que el objetivo general es utilizar la asignaci\u00f3n como una forma de ense\u00f1ar c\u00f3mo crear un plan de gastos y vivir seg\u00fan \u00e9l.<\/p>\n

Una sugerencia popular, especialmente para los ni\u00f1os m\u00e1s peque\u00f1os, es ilustrar el concepto de presupuesto utilizando tres frascos transparentes que representan los gastos actuales, los ahorros a corto plazo y los ahorros a largo plazo. Separar el efectivo en frascos facilita la comparaci\u00f3n de los resultados de los gastos y los ahorros. Una vez que comprendan el concepto, puede optar por abrir una cuenta de ahorros en la cooperativa de cr\u00e9dito. (Creemos que esto funciona bien para familias con varios hijos cuyas alcanc\u00edas est\u00e1n sujetas a "saqueos"). Se pagan dividendos en estas cuentas y no hay una tarifa m\u00ednima mensual. Abilene Teachers FCU tiene una divertida Safari de Ahorro<\/a> Opci\u00f3n para ni\u00f1os menores de 13 a\u00f1os y Cuentas de j\u00f3venes<\/a> Para adolescentes.<\/p>\n

Si desea fomentar las donaciones caritativas, utilice un cuarto frasco, establezca un porcentaje fijo del total, como 10%, y anime a depositar dinero en ese frasco tambi\u00e9n.<\/p>\n

Gasto V. Ahorro e inversi\u00f3n<\/span>
\nPara ayudar a los ni\u00f1os a decidir cu\u00e1nto deben gastar y cu\u00e1nto ahorrar, puede ayudarlos a calcular cu\u00e1nto necesitar\u00e1n para los gastos semanales regulares, como dinero para el almuerzo o cualquier otra cosa que acuerden. Podr\u00eda sugerir realizar un seguimiento cuidadoso del gasto de una semana y utilizar esa cantidad como punto de partida. Parte de la conversaci\u00f3n deber\u00eda centrarse en el hecho de que hacer un presupuesto siempre implica hacer ajustes. El objetivo no es hacerlo bien la primera vez, sino llegar a una asignaci\u00f3n viable de dinero.<\/p>\n

A continuaci\u00f3n, hablemos de dinero para objetivos de ahorro a corto plazo. Los objetivos de los ni\u00f1os var\u00edan sustancialmente seg\u00fan su edad y concepto del tiempo, pero pueden incluir juguetes, equipos deportivos, dispositivos electr\u00f3nicos, ropa especial u otros art\u00edculos caros. Quiz\u00e1s quieras sugerirles que ahorren para un art\u00edculo a la vez y ayudarlos a calcular cu\u00e1nto necesitar\u00e1n ahorrar cada semana para alcanzar su meta en un per\u00edodo de tiempo realista. Pero probablemente querr\u00e1s dejarles descubrir por s\u00ed mismos que no todas las metas merecen el tiempo y el esfuerzo necesarios para alcanzarlas.<\/p>\n

Finalmente, aseg\u00farese de alentarlos a reservar un porcentaje regular para alguna meta a largo plazo, aunque est\u00e9 vagamente definida. Para algunos ni\u00f1os, ahorrar para la universidad significa mucho. Para otros, el objetivo puede ser m\u00e1s tangible, como un coche. Tambi\u00e9n en este caso, 10% del total podr\u00eda ser un porcentaje razonable para ahorrar. Como incentivo para invertir dinero en ahorros a largo plazo, podr\u00eda considerar hacer una contribuci\u00f3n equivalente agregando 50 centavos o un d\u00f3lar por cada d\u00f3lar que aporte su hijo.<\/p>\n

Abrir cuentas para ni\u00f1os<\/span>
\nCuando est\u00e9 listo para abrir cuentas para sus hijos, analice sus opciones con uno de nuestros representantes de servicio al cliente. Visite nuestra Ahorro para j\u00f3venes<\/a> p\u00e1gina para m\u00e1s detalles.<\/p>\n

A la hora de ense\u00f1ar a sus hijos lecciones valiosas sobre el dinero, es importante comprometerse con el enfoque que adopte y saber qu\u00e9 desea lograr con su uso. De lo contrario, es poco probable que funcione durante mucho tiempo, independientemente de sus buenas intenciones.<\/p>\n

Para otra forma divertida e interactiva de ense\u00f1arle a su hijo sobre la importancia de ahorrar y gastar prioridades, \u00a1Mira nuestro Banzai! p\u00e1gina<\/a>Hay juegos de simulaci\u00f3n de vida para todas las edades que demuestran la importancia de elaborar un presupuesto.<\/p>","protected":false},"excerpt":{"rendered":"

Parte de criar a los ni\u00f1os hoy en d\u00eda es darles todas las herramientas que necesitan para sobrevivir y prosperar en el mundo y el entorno en el que viven. Eso significa ayudarlos a comprender el valor y los conceptos de ganar, usar, ahorrar e invertir dinero. 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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