{"id":3802,"date":"2024-12-20T15:36:47","date_gmt":"2024-12-20T21:36:47","guid":{"rendered":"https:\/\/www.abileneteachersfcu.org\/?p=3802"},"modified":"2024-12-20T15:36:39","modified_gmt":"2024-12-20T21:36:39","slug":"crear-un-presupuesto","status":"publish","type":"post","link":"https:\/\/www.abileneteachersfcu.org\/es\/blog\/create-a-budget\/","title":{"rendered":"C\u00f3mo crear un presupuesto en 6 sencillos pasos"},"content":{"rendered":"

Sam Smith canta sobre no tener dinero en mente y que hace lo que hace por amor. \u00a1Eso es EXCELENTE para \u00e9l, pero la mayor\u00eda de nosotros tenemos que tener el dinero en mente al menos un poco! Me encanta su canci\u00f3n que dice algo como esto...<\/p>\n

\n

\u201cNo tengo
\nDinero en mi mente
\nDinero en mi mente
\nlo hago por
\nLo hago por amor\u201d<\/span><\/h2>\n<\/blockquote>\n

Pero si siempre tienes dinero en mente pregunt\u00e1ndote c\u00f3mo vas a pagar la pr\u00f3xima factura y simplemente no puedes encontrar dinero para ahorrar, es posible que necesites un presupuesto.<\/p>\n

Un presupuesto le ayudar\u00e1 a adquirir conciencia financiera, lo que le ayudar\u00e1 a facilitar una mayor libertad financiera para hacer las cosas s\u00f3lo por amor a ellas.<\/p>\n

Aqu\u00ed hay 6 sencillos pasos para crear un presupuesto:<\/h3>\n

Paso 1: recopile su informaci\u00f3n financiera<\/span><\/h4>\n

Re\u00fana todos sus documentos y recibos financieros durante tres meses consecutivos. Esto incluye todos los estados de cuenta, facturas, talones de pago, recibos y m\u00e1s.<\/p>\n

Paso 2: cuente sus totales<\/span><\/h4>\n

Divide tus documentos en gastos e ingresos. Luego, enumera los n\u00fameros correspondientes en una hoja de c\u00e1lculo. Mientras trabaja en estas listas, incluya los gastos ocasionales y estacionales, dividiendo sus totales por 12 para distribuirlos uniformemente a lo largo del a\u00f1o.<\/p>\n

Cuando tengas tus n\u00fameros, observa c\u00f3mo coinciden. Si sus gastos superan sus ingresos, reduzca sus gastos y\/o busque formas de aumentar sus ingresos.<\/p>\n

Paso 3: enumera todas tus necesidades<\/span><\/h4>\n

Revisa c\u00f3mo has gastado tu dinero durante el tiempo registrado e identifica todas tus necesidades reales. Esto incluye gastos fijos como pagos de hipoteca\/alquiler, ahorros, primas de seguro y pagos del coche, as\u00ed como gastos fluctuantes pero necesarios, como la compra de alimentos. Para simplificarlo, enumera primero tus gastos fijos y luego los no fijos. hoja de c\u00e1lculo de presupuesto<\/a> Contiene categor\u00edas de gastos que puedes olvidar.<\/p>\n

A medida que enumere cada necesidad, anote su costo correspondiente. Cuando haya terminado de crear esta lista, sume el total.<\/p>\n

Paso 4: enumera tus deseos<\/span><\/h4>\n

El siguiente paso es enumerar las cosas que te gustan pero sin las que realmente puedes vivir. Incluya aqu\u00ed los costos de entretenimiento, as\u00ed como los restaurantes y pasatiempos costosos.<\/p>\n

Aqu\u00ed tambi\u00e9n, anota el costo mensual de cada art\u00edculo y suma el total cuando hayas terminado.<\/p>\n

Paso 5: Asigne montos en d\u00f3lares a los gastos<\/span><\/h4>\n

Abra una nueva hoja de c\u00e1lculo y copie su lista de gastos, comenzando con las necesidades de costos fijos, luego sus necesidades de costos no fijos y finalmente sus deseos.<\/p>\n

Luego, asigne una cantidad espec\u00edfica en d\u00f3lares a cada categor\u00eda de gastos. Si su presupuesto lo permite, puede usar el monto promedio que ha gastado en cada categor\u00eda durante los \u00faltimos tres meses para establecer el l\u00edmite para ese gasto.<\/p>\n

Contin\u00fae hasta que haya contabilizado cada d\u00f3lar y tenga suficiente dinero en su presupuesto para cubrir cada necesidad, deseo y gasto ocasional. Si los gastos superan los ingresos, deber\u00e1 recortar algunos gastos para que su presupuesto funcione.<\/p>\n

De ahora en adelante, aseg\u00farese de gastar solo los montos asignados para cada categor\u00eda de gastos.<\/p>\n

Paso 6: revisar y ajustar seg\u00fan sea necesario<\/span><\/h4>\n

Revise su presupuesto mensualmente para ver si mantiene el rumbo. Si constantemente gasta de m\u00e1s en una categor\u00eda, gaste menos en un \u00e1rea diferente para tener m\u00e1s dinero disponible para satisfacer sus necesidades.<\/p>\n

Para obtener m\u00e1s consejos, herramientas y trucos sobre presupuestos, consulte nuestra \u00a1Banzai! p\u00e1gina<\/a> y Gesti\u00f3n de dinero por MX<\/a> en nuestra plataforma bancaria de aplicaciones y escritorio.<\/p>","protected":false},"excerpt":{"rendered":"

Hacer un presupuesto es el paso m\u00e1s b\u00e1sico, pero en cierto modo el m\u00e1s dif\u00edcil, hacia la seguridad financiera. \u00a1Tenemos un proceso simple de seis pasos para hacerlo m\u00e1s f\u00e1cil! sigue leyendo \u2192<\/span><\/a><\/p>","protected":false},"author":11,"featured_media":3981,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"_searchwp_excluded":"","footnotes":""},"categories":[43],"tags":[],"class_list":["post-3802","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-budgeting"],"acf":[],"yoast_head":"\nHow to Create a Budget in 6 Easy Steps - Abilene Teachers FCU<\/title>\n<meta name=\"description\" content=\"Making a budget is the most basic step toward financial security. 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