{"id":4380,"date":"2025-04-30T14:13:03","date_gmt":"2025-04-30T19:13:03","guid":{"rendered":"https:\/\/www.abileneteachersfcu.org\/?p=4380"},"modified":"2025-04-30T16:13:57","modified_gmt":"2025-04-30T21:13:57","slug":"pasos-1-4-para-vivir-una-vida-libre-de-deudas","status":"publish","type":"post","link":"https:\/\/www.abileneteachersfcu.org\/es\/blog\/steps-1-4-to-living-a-debt-free-life\/","title":{"rendered":"H\u00e1galo hoy: pasos 1 a 4 de 12 para vivir una vida libre de deudas"},"content":{"rendered":"<p>Seguro que ha o\u00eddo hablar de los programas de 12 pasos contra la adicci\u00f3n y de c\u00f3mo le gu\u00edan paso a paso para que pueda superar su dependencia. Al igual que los drogadictos o alcoh\u00f3licos siguen un programa de 12 pasos para cambiar sus h\u00e1bitos y estar f\u00edsicamente sanos, existe un programa de 12 pasos que puede ayudarle a estar financieramente sano. Hoy vamos a ver los 4 primeros pasos. Es mejor comenzar con #1 e ir bajando por la lista en lugar de comenzar los 12 al mismo tiempo. Mientras que algunos pasos se pueden trabajar simult\u00e1neamente con otros, algunos pasos necesitar\u00e1n ser enfocados individualmente. Empecemos.<\/p>\n<h2>Paso 1: haga un balance de su deuda<\/h2>\n<p>En primer lugar, si\u00e9ntese y haga balance de todas sus deudas. No dejes que las cifras te asusten; tienes que hacerlo para seguir adelante. Saca todas y cada una de las facturas de tarjetas de cr\u00e9dito, pr\u00e9stamos personales, pr\u00e9stamos estudiantiles y cualquier otra deuda que tengas (excepto los pagos del coche y de la hipoteca). Anota las cifras y s\u00famalas para hacerte una idea exacta de lo que tienes entre manos.<\/p>\n<p>A continuaci\u00f3n, organice sus deudas en distintas categor\u00edas, como deudas de tarjetas de cr\u00e9dito, deudas de estudios, pr\u00e9stamos personales, etc. Utiliza una hoja de c\u00e1lculo para enumerar tus deudas, el plazo restante de cada pr\u00e9stamo (si procede), el pago m\u00ednimo y el tipo de inter\u00e9s.<\/p>\n<p>Finalmente, designe una hora cada semana para trabajar en sus finanzas.<\/p>\n<h2>Paso 2: no profundices m\u00e1s<\/h2>\n<p>Cuando te has cavado profundamente en un hoyo, la \u00fanica forma de salir es dejar de cavar. Concentrarse en <span class=\"bold\">no<\/span> acumular m\u00e1s deudas. Deje de usar sus tarjetas de cr\u00e9dito. Evite los viajes semanales que podr\u00edan hacer que compre demasiados art\u00edculos no esenciales.<\/p>\n<p>En lugar de eso, empieza <a href=\"https:\/\/www.abileneteachersfcu.org\/es\/blog\/traer-de-vuelta-la-bolsa-marron\/\">bolsa marr\u00f3n<\/a> tu almuerzo de trabajo y preparar tu propio caf\u00e9. Adquiera el h\u00e1bito de gastar s\u00f3lo en lo esencial para poder lograr un progreso real hacia el pago de esa deuda.<\/p>\n<p>No olvides realizar los pagos m\u00ednimos en cada l\u00ednea de cr\u00e9dito y pr\u00e9stamo que tengas abierta. Descuidar su deuda s\u00f3lo le hundir\u00e1 m\u00e1s en el abismo.<\/p>\n<h2>Paso 3: Negociar una APR m\u00e1s baja<\/h2>\n<p>Si la mayor parte de su deuda pendiente es deuda de tarjetas de cr\u00e9dito, es posible que est\u00e9 gastando cientos de d\u00f3lares solo en intereses. Adem\u00e1s de desperdiciar dinero, esto le impide avanzar y pagar el capital real.<\/p>\n<p>La mayor\u00eda de la gente no sabe que puede llamar a la compa\u00f1\u00eda de la tarjeta de cr\u00e9dito y negociar una TAE (Tasa Anual Equivalente) m\u00e1s baja. T\u00f3mese su tiempo para hacerlo. Explique que est\u00e1 trabajando para saldar su deuda y que los pagos de intereses est\u00e1n impidiendo su progreso. Incluso puede buscar tarjetas de la competencia y citar sus tipos de inter\u00e9s para conseguir una TAE m\u00e1s baja de su actual compa\u00f1\u00eda de tarjetas de cr\u00e9dito. Puede considerar la posibilidad de transferir el saldo a una de las siguientes tarjetas <a href=\"https:\/\/www.abileneteachersfcu.org\/es\/ahorrar-gastar\/tarjetas-de-credito\/\">nuestras tarjetas de cr\u00e9dito<\/a>. <a href=\"https:\/\/www.abileneteachersfcu.org\/es\/contacto\/\">Llamar<\/a>, <a href=\"https:\/\/www.abileneteachersfcu.org\/es\/pedir-prestado-comprar\/aplicar\/\">hacer clic<\/a>, o <a href=\"https:\/\/www.abileneteachersfcu.org\/es\/ubicaciones-de-cajeros-automaticos\/\">detenerse<\/a> una ubicaci\u00f3n del vest\u00edbulo hoy para ver si una tarjeta de cr\u00e9dito ATFCU es una buena opci\u00f3n para usted.<\/p>\n<p>Reducir sus tasas de inter\u00e9s le permitir\u00e1 dar otro paso real para deshacerse de sus deudas.<\/p>\n<h2>Paso 4: crear un fondo de emergencia<\/h2>\n<p>Puede que te sientas impaciente por ser s\u00faper agresivo a la hora de pagar las deudas, pero tambi\u00e9n es importante crear un fondo de emergencia.  Si no tienes dinero ahorrado para gastos inesperados, tendr\u00e1s la tentaci\u00f3n de utilizar el dinero que ya est\u00e1 destinado al pago de tus deudas para financiar el gasto de emergencia.<\/p>\n<p>Los expertos recomiendan mantener el equivalente a tres meses de gastos de subsistencia en un fondo de emergencia, pero puede comenzar con una suma m\u00e1s modesta de $1000. Establezca un fondo de emergencia autom\u00e1tico mensual o semanal. <a href=\"https:\/\/www.abileneteachersfcu.org\/es\/blog\/ponerse-en-movimiento\/\">transferir<\/a> desde su cuenta corriente de Abilene Teachers FCU a su cuenta de ahorros hasta que tenga un fondo de emergencia completamente acolchado. Esto puede llevar varios meses, pero no se preocupe, puede continuar siguiendo los siguientes pasos hacia una vida libre de deudas a medida que su fondo de emergencia crezca.<\/p>\n<h3>Mantente atento para <a href=\"https:\/\/www.abileneteachersfcu.org\/es\/blog\/pasos-5-8-para-vivir-una-vida-libre-de-deudas\/\">Pasos 5-12<\/a> muy pronto.<\/h3>","protected":false},"excerpt":{"rendered":"<p>Si est\u00e1 decidido a que este ser\u00e1 el a\u00f1o en que finalmente pague (o salde) esa deuda. Prep\u00e1rese, porque este plan H\u00e1galo hoy le permitir\u00e1 dar 12 pasos en su viaje hacia una vida libre de deudas. <a href=\"https:\/\/www.abileneteachersfcu.org\/es\/blog\/steps-1-4-to-living-a-debt-free-life\/\" aria-label=\"Contin\u00fae leyendo sobre H\u00e1galo hoy: Pasos 1 a 4 de 12 para vivir una vida libre de deudas\">sigue leyendo <span class=\"meta-nav\">\u2192<\/span><\/a><\/p>","protected":false},"author":11,"featured_media":4384,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"_searchwp_excluded":"","footnotes":""},"categories":[50,43],"tags":[],"class_list":["post-4380","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-advice","category-budgeting"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.5 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Do It Today: Steps 1-4 of 12 toward Living a Debt-Free Life<\/title>\n<meta name=\"description\" content=\"Determined that this will be the year you finally pay down\/payoff debt? 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