{"id":5010,"date":"2024-12-23T10:17:56","date_gmt":"2024-12-23T16:17:56","guid":{"rendered":"https:\/\/www.abileneteachersfcu.org\/?p=5010"},"modified":"2024-12-23T10:17:22","modified_gmt":"2024-12-23T16:17:22","slug":"paso-7-como-pagarse-usted-primero","status":"publish","type":"post","link":"https:\/\/www.abileneteachersfcu.org\/es\/blog\/paso-7-como-pagarse-usted-primero\/","title":{"rendered":"12 pasos hacia el bienestar financiero \u2013 Paso 7: C\u00f3mo pagarse a usted mismo primero"},"content":{"rendered":"

Ahora que est\u00e1s administrando bien tu dinero e incluso has aprendido a compartir los regalos que te han dado, es hora de empezar a perfeccionar el arte de ahorrar.<\/p>\n

Si alguna vez has visto Parques y Recreaci\u00f3n<\/span> Con Amy Poehler, probablemente recuerdes todos los episodios en los que Tom y Donna tienen un d\u00eda de "Treat Yo Self". Bueno, pagarte a ti mismo primero es algo as\u00ed, pero en lugar de gastar todo tu dinero y las cosas que quieres, lo ahorras. Pero al final del d\u00eda te dar\u00e1s un capricho, ser\u00e1 un poco m\u00e1s adelante y no un "regalo" inmediato.<\/p>\n

"Primero pagate a ti mismo" es un lema que se refiere a priorizar tus ahorros personales sobre otros gastos. Para lograrlo, el ahorro debe ser una l\u00ednea fija en tu presupuesto que se realice todos los meses sin falta. S\u00e9 que ya se lo he dicho muchas veces, pero tengo transferencias autom\u00e1ticas programadas para mis ahorros cada semana. Cada semana, cuando mi esposo cobra, el dinero se transfiere a una "cuenta de Navidad", a una cuenta de "ahorros a largo plazo" y a un "fondo para comer fuera". Cuando yo cobro, deposito dinero en la cuenta de ahorros de Navidad, en la cuenta de ahorros para comer fuera y en otros ahorros. Tenemos varias cuentas de ahorros que "pagamos" al menos una vez al mes, y con suerte m\u00e1s.<\/p>\n

Revisa tus gastos<\/span><\/h4>\n

Observe claramente sus gastos. Si ya tienes un presupuesto, ser\u00e1 tan sencillo como revisar la columna que enumera todos tus gastos, incluidos tus gastos discrecionales. Si no tiene un presupuesto, realice un seguimiento de sus gastos durante varios meses para identificar sus gastos principales y encontrar la cantidad promedio de dinero que gasta cada mes. Tambi\u00e9n puedes consultar estas publicaciones de blog anteriores: Paso 1: C\u00f3mo realizar un seguimiento de sus gastos<\/a> y Paso 2: crear un presupuesto<\/a>.<\/p>\n

Establecer objetivos de ahorro a corto y largo plazo<\/span><\/h4>\n

Los ahorros a corto plazo, o los fondos a los que desea poder acceder en un futuro pr\u00f3ximo si es necesario, se pueden asignar a un fondo de emergencia. Los expertos recomiendan tener reservados en un fondo de emergencia los gastos de manutenci\u00f3n de tres a seis meses en caso de un gasto repentino e importante y\/o p\u00e9rdida del empleo. Los ahorros a largo plazo deben incluir fondos que pueda permitirse no tocar durante varios a\u00f1os o m\u00e1s. Sus objetivos de ahorro a largo plazo pueden incluir su jubilaci\u00f3n, as\u00ed como el pago inicial de una casa, un autom\u00f3vil nuevo, un a\u00f1o sab\u00e1tico en el trabajo o cualquier otro gasto enorme. <\/span>Limite sus objetivos a corto y largo plazo y luego asigne un n\u00famero a cada categor\u00eda de ahorro.<\/span><\/p>\n

Establezca un cronograma para cada objetivo de ahorro<\/span><\/h4>\n

Ahora que tiene un n\u00famero de la cantidad que desea ahorrar, necesitar\u00e1 elaborar un cronograma realista para alcanzar esos objetivos. Es mejor darle prioridad a su fondo de emergencia, pero al mismo tiempo, es una buena idea comenzar a ahorrar para la jubilaci\u00f3n hoy para que el inter\u00e9s compuesto tenga la oportunidad de hacer su magia. Con ese fin, es posible que desees asignar la mayor parte de tus ahorros mensuales a tu fondo de emergencia hasta que alcances tu objetivo. Una vez que su fondo de emergencia est\u00e9 lleno, podr\u00e1 dividir sus ahorros de manera m\u00e1s equitativa entre sus ahorros a corto plazo y sus ahorros a largo plazo.<\/span><\/p>\n

Calcula cu\u00e1nto necesitar\u00e1s ahorrar cada mes<\/span><\/h4>\n

Calcula el total de cada objetivo y div\u00eddelo entre el n\u00famero de meses de tu cronograma. Por ejemplo, si has decidido establecer un fondo de emergencia de $24,000 en cuatro a\u00f1os, divide $24,000 entre 48 meses para obtener $500 al mes. Esta es la cantidad que necesitar\u00e1s reservar cada mes para alcanzar tu objetivo a tiempo. Haz lo mismo con cada uno de tus objetivos. Si no estableces un cronograma, ser\u00e1 muy f\u00e1cil olvidarse de ahorrar cada mes.<\/span><\/p>\n

Automatiza tus ahorros<\/span><\/h4>\n

Una vez que tenga su plan de ahorro listo, es mejor hacerlo autom\u00e1tico. Puede configurar una transferencia mensual desde su cuenta corriente de la cooperativa de cr\u00e9dito a los ahorros de su cooperativa de cr\u00e9dito. <\/span>cuenta. De esta manera, tus ahorros crecer\u00e1n incluso cuando te olvides de alimentarlos. Si necesita ayuda para configurar las transferencias autom\u00e1ticas, consulte mi '<\/span>Llegar a Mov\u00edn<\/a>' entrada en el blog. Tiene instrucciones paso a paso.<\/span><\/p>\n

Felicitaciones, \u00a1has dominado el arte de pagarte a ti mismo primero!<\/p>","protected":false},"excerpt":{"rendered":"

Uno de los secretos m\u00e1s verdaderos del bienestar financiero es pagarse a usted mismo primero. Esto significa reservar dinero para fondos de emergencia y objetivos de ahorro a corto y largo plazo. Est\u00e9 atento a sus gastos y rec\u00f3rtelos donde pueda para progresar m\u00e1s r\u00e1pido. A medida que avanzas, revisa peri\u00f3dicamente para asegurarte de que est\u00e1s logrando el progreso que deseas. sigue leyendo \u2192<\/span><\/a><\/p>","protected":false},"author":11,"featured_media":5011,"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-5010","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-advice","category-budgeting"],"acf":[],"yoast_head":"\n12 Steps to Financial Wellness - Step 7: How to Pay Yourself First -<\/title>\n<meta name=\"description\" content=\"One secret to financial wellness is paying yourself first. 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