{"id":5070,"date":"2024-12-23T11:42:36","date_gmt":"2024-12-23T17:42:36","guid":{"rendered":"https:\/\/www.abileneteachersfcu.org\/?p=5070"},"modified":"2026-07-02T14:19:21","modified_gmt":"2026-07-02T19:19:21","slug":"paso-8-saber-cuando-y-como-complacerse","status":"publish","type":"post","link":"https:\/\/www.abileneteachersfcu.org\/es\/blog\/step-8-know-when-and-how-to-indulge\/","title":{"rendered":"12 pasos hacia el bienestar financiero \u2013 Paso 8: Sepa cu\u00e1ndo y c\u00f3mo darse un capricho"},"content":{"rendered":"<p data-path-to-node=\"12,0\">Bienvenidos de nuevo a nuestra <b data-path-to-node=\"12,0\" data-index-in-node=\"20\">12 pasos para el bienestar financiero<\/b> \u00a1Serie completa! Hasta este punto de nuestra hoja de ruta, hemos trabajado en siete m\u00f3dulos profundos para dominar tu flujo de efectivo, vencer las deudas, alinearte con tu pareja y automatizar tus ahorros.<\/p>\n<p data-path-to-node=\"12,1\">Si a\u00fan no has revisado esos marcos fundamentales, aseg\u00farate de ponerte al d\u00eda. <a href=\"https:\/\/www.abileneteachersfcu.org\/es\/blog\/paso-1-como-realizar-un-seguimiento-de-sus-gastos\/\"><b data-path-to-node=\"12,1\" data-index-in-node=\"82\">Paso 1: C\u00f3mo realizar un seguimiento de sus gastos<\/b><\/a> a trav\u00e9s de <a href=\"https:\/\/www.abileneteachersfcu.org\/es\/blog\/paso-7-como-pagarse-usted-primero\/\"><b data-path-to-node=\"12,1\" data-index-in-node=\"127\">Paso 7: C\u00f3mo pagarse a uno mismo primero<\/b><\/a>\u00a0antes de seguir adelante.<\/p>\n<p data-path-to-node=\"12,2\">Al repasar los pasos anteriores, es f\u00e1cil pensar que el bienestar financiero es simplemente una matriz estricta de reglas r\u00edgidas, l\u00edmites y nada de diversi\u00f3n. Pero el verdadero bienestar es un equilibrio, no una restricci\u00f3n. En este octavo m\u00f3dulo, abordaremos un hito conductual fundamental: <b data-path-to-node=\"12,2\" data-index-in-node=\"271\">Aprender a disfrutar de los placeres de forma responsable sin desviarse del camino correcto.<\/b><\/p>\n<p data-path-to-node=\"12,3\">Vivir con verdadera tranquilidad financiera significa encontrar la felicidad en un estilo de vida que se ajusta c\u00f3modamente a tus posibilidades, sin que te sientas privado de nada. Al mismo tiempo, significa que tus decisiones principales se rigen por una disciplina constante, en lugar de emociones pasajeras y estresantes.<\/p>\n<p data-path-to-node=\"12,4\">\u00bfC\u00f3mo lograr ese equilibrio perfecto y saludable? Aqu\u00ed tienes tu gu\u00eda para disfrutar de un capricho sin remordimientos:<\/p>\n<h2 data-path-to-node=\"12,6\">Lista de verificaci\u00f3n para un consumo responsable<\/h2>\n<h3 data-path-to-node=\"12,7\">1. Proteja primero su plan de referencia.<\/h3>\n<p data-path-to-node=\"12,8\">Antes de poder gastar con total libertad, es fundamental tener una visi\u00f3n clara de tu situaci\u00f3n financiera actual. Si has seguido nuestra gu\u00eda, tus cifras ya est\u00e1n organizadas de forma segura en tu panel de control. Saber exactamente qu\u00e9 requieren tus compromisos mensuales fijos te proporciona un l\u00edmite objetivo para tus gastos discrecionales. Evitar las matem\u00e1ticas genera ansiedad; afrontarlas te da total libertad.<\/p>\n<h3 data-path-to-node=\"12,9\">2. Automatiza una asignaci\u00f3n digital &quot;Solo por diversi\u00f3n&quot;.<\/h3>\n<p data-path-to-node=\"12,10\">Al ajustar tu presupuesto, debes reservar intencionalmente una partida espec\u00edfica para caprichos espont\u00e1neos, pasatiempos y compras divertidas. La cantidad exacta variar\u00e1 seg\u00fan tus ingresos familiares y tu estilo de vida, pero debe ser una cantidad que puedas permitirte gastar sin problemas.<\/p>\n<ul>\n<li data-path-to-node=\"12,11,0,0\"><b data-path-to-node=\"12,11,0,0\" data-index-in-node=\"0\">El hackeo de cuentas personalizadas:<\/b> El consejo tradicional dice que use sobres f\u00edsicos para su dinero de ocio, pero el dinero en efectivo puede desaparecer f\u00e1cilmente u olvidarse. En su lugar, utilice la estrategia de sobres digitales que describimos en <a href=\"https:\/\/www.abileneteachersfcu.org\/es\/blog\/paso-4-ten-el-dinero-habla-con-tu-pareja\/\"><b data-path-to-node=\"12,11,0,0\" data-index-in-node=\"209\">Paso 4: Habla de dinero con tu pareja.<\/b><\/a>. Abre una subcuenta de ahorros separada en ATFCU y ponle un nombre divertido, como &quot;PARA M\u00cd&quot; o &quot;Dinero para caprichos&quot;. Automatiza una peque\u00f1a transferencia a esa cuenta cada d\u00eda de pago. Cuando se agote ese dinero, tu presupuesto para caprichos se suspender\u00e1 hasta que recibas tu pr\u00f3ximo sueldo.<\/li>\n<li data-path-to-node=\"12,11,0,0\"><i data-path-to-node=\"12,11,1,0\" data-index-in-node=\"0\">Nota del consejero:<\/i> Recuerda que los caprichos a los que nos referimos aqu\u00ed son peque\u00f1as compras espont\u00e1neas para darte un gusto o citas rom\u00e1nticas sorpresa. Las grandes compras de lujo (como vacaciones o aparatos electr\u00f3nicos) pertenecen a una categor\u00eda de ahorro a largo plazo completamente aparte.<\/li>\n<\/ul>\n<h3 data-path-to-node=\"12,12\">3. Analiza tus vicios personales<\/h3>\n<p data-path-to-node=\"12,13\">Todos tenemos uno o dos vicios personales que nos tientan a gastar. Analiza honestamente tus gastos no esenciales de los \u00faltimos 60 d\u00edas, identifica tus compras impulsivas m\u00e1s caras y som\u00e9telas a estas cuatro preguntas clave:<\/p>\n<ul>\n<li data-path-to-node=\"12,14,0,0\"><i data-path-to-node=\"12,14,0,0\" data-index-in-node=\"0\">\u00bfEsta compra me produjo verdadera felicidad o energ\u00eda positiva el d\u00eda que la realic\u00e9? \u00bfCu\u00e1nto tiempo dur\u00f3 realmente esa sensaci\u00f3n?<\/i><\/li>\n<li data-path-to-node=\"12,14,0,0\"><i data-path-to-node=\"12,14,1,0\" data-index-in-node=\"0\">\u00bfEste clic en concreto super\u00f3 con creces los l\u00edmites de mi categor\u00eda objetivo?<\/i><\/li>\n<li data-path-to-node=\"12,14,0,0\"><i data-path-to-node=\"12,14,2,0\" data-index-in-node=\"0\">Cuando pienso en este objeto que tengo ahora mismo en casa, \u00bfme llena de alegr\u00eda, culpa o ansiedad por el desorden?<\/i><\/li>\n<li data-path-to-node=\"12,14,0,0\"><i data-path-to-node=\"12,14,3,0\" data-index-in-node=\"0\">Si me encontrara hoy en las mismas circunstancias emocionales, \u00bfvolver\u00eda a realizar esa misma compra?<\/i><\/li>\n<\/ul>\n<h3 data-path-to-node=\"12,15\">4. Alimenta primero tu futuro escudo<\/h3>\n<p data-path-to-node=\"12,16\">Antes de darte luz verde para derrochar, aseg\u00farate de que tu seguridad futura est\u00e9 completamente cubierta. Comprueba que tus transferencias autom\u00e1ticas est\u00e9n alimentando correctamente tus cuentas a corto plazo.<a href=\"https:\/\/abilenetfcu.banzai.org\/wellness\/resources\/emergency-fund-coach\"> Fondo de emergencia<\/a> (con el objetivo de lograr ese colch\u00f3n de supervivencia de 3 a 6 meses) y contribuir de manera constante a su largo plazo. <a href=\"https:\/\/abilenetfcu.banzai.org\/wellness\/resources\/retirement-calculator\">cuentas de jubilaci\u00f3n<\/a> a trav\u00e9s de nuestra interactividad <a href=\"https:\/\/abilenetfcu.banzai.org\/wellness\"><b data-path-to-node=\"12,16\" data-index-in-node=\"352\">\u00a1Banzai! Plataforma de bienestar financiero<\/b><\/a>. Si se protege a la versi\u00f3n futura de ti mismo, la versi\u00f3n presente de ti mismo puede relajarse.<\/p>\n<h3 data-path-to-node=\"12,17\">5. Lib\u00e9rate por completo de la culpa.<\/h3>\n<p data-path-to-node=\"12,18\">Una vez que hayas hecho los c\u00e1lculos, protegido tus ahorros y verificado que una compra impulsiva se ajusta de forma segura a tu presupuesto para ocio,<b data-path-to-node=\"12,18\" data-index-in-node=\"127\">Lib\u00e9rate por completo de la culpa.<\/b> No hay motivo alguno para sentirse culpable por un capricho o una cena divertida que puedes permitirte sin problema. Si una compra aporta energ\u00eda a tu estilo de vida y se ajusta a tus l\u00edmites, contribuye activamente a tu bienestar mental.<\/p>\n<h3 data-path-to-node=\"12,20\">C\u00f3mo encontrar tu equilibrio financiero<\/h3>\n<p data-path-to-node=\"12,21\">Tengo un familiar que es un experto en administrar su presupuesto. Ha logrado ahorrar lo suficiente como para vivir c\u00f3modamente el resto de su vida. Sin embargo, es tan estricto con sus gastos que permanece atrapado en una profunda mentalidad de pobreza, viviendo constantemente con el temor de gastar dinero en actividades placenteras o de consentir a sus seres queridos.<\/p>\n<p data-path-to-node=\"12,22\">Ese no es un estilo de vida saludable. Tampoco puedes permitirte irte al extremo opuesto, persiguiendo una euforia pasajera en las compras a base de vaciar tu cuenta corriente sin control.<\/p>\n<p data-path-to-node=\"12,23\">La verdadera estabilidad reside en el equilibrio. No seas un derrochador, pero tampoco un taca\u00f1o que nunca disfruta del fruto de su trabajo. Mant\u00e9n el equilibrio, aprovecha tus herramientas digitales y \u00a1disfruta de tu estilo de vida hoy mismo!<\/p>\n<p data-path-to-node=\"12,23\"><span class=\"bold\">Siguiente paso en tu viaje:<\/span> \u00bfListo para mantener el impulso? Avanza ahora al siguiente hito de nuestra serie: <span class=\"bold\"><a href=\"https:\/\/www.abileneteachersfcu.org\/es\/blog\/paso-9-construir-y-mantener-puntaje-credito\/\">Paso 9: Construir y mantener un excelente historial crediticio.<\/a><\/span>.<\/p>","protected":false},"excerpt":{"rendered":"<p>El bienestar financiero no es una condena de privaciones y restricciones interminables. Descubre el paso 8 de nuestra serie y aprende a usar un presupuesto personal para el ocio, a analizar tus compras impulsivas con cuatro preguntas clave y a liberarte definitivamente de la culpa por gastar. <a href=\"https:\/\/www.abileneteachersfcu.org\/es\/blog\/step-8-know-when-and-how-to-indulge\/\" aria-label=\"Contin\u00fae leyendo acerca de 12 pasos hacia el bienestar financiero \u2013 Paso 8: Sepa cu\u00e1ndo y c\u00f3mo darse el gusto\">sigue leyendo <span class=\"meta-nav\">\u2192<\/span><\/a><\/p>","protected":false},"author":11,"featured_media":5071,"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-5070","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 v27.7 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Step 8 to Financial Wellness: Know When &amp; How to Indulge<\/title>\n<meta name=\"description\" content=\"Learn how to indulge responsibly without breaking your budget. Discover tips to overcome a poverty mindset and use guilt-free savings tools.\" \/>\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\/paso-8-saber-cuando-y-como-complacerse\/\" \/>\n<meta property=\"og:locale\" content=\"es_ES\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Step 8 to Financial Wellness: Know When &amp; How to Indulge\" \/>\n<meta property=\"og:description\" content=\"Learn how to indulge responsibly without breaking your budget. Discover tips to overcome a poverty mindset and use guilt-free savings tools.\" \/>\n<meta property=\"og:url\" content=\"https:\/\/www.abileneteachersfcu.org\/es\/blog\/paso-8-saber-cuando-y-como-complacerse\/\" \/>\n<meta property=\"og:site_name\" content=\"Abilene Teachers Federal Credit Union\" \/>\n<meta property=\"article:published_time\" content=\"2024-12-23T17:42:36+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2026-07-02T19:19:21+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/www.abileneteachersfcu.org\/files\/Step-8-Indulgence.jpg\" \/>\n\t<meta property=\"og:image:width\" content=\"950\" \/>\n\t<meta property=\"og:image:height\" content=\"634\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/jpeg\" \/>\n<meta name=\"author\" content=\"Elizabeth Gray\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:label1\" content=\"Written by\" \/>\n\t<meta name=\"twitter:data1\" content=\"Elizabeth Gray\" \/>\n\t<meta name=\"twitter:label2\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data2\" content=\"5 minutos\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\\\/\\\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\\\/\\\/www.abileneteachersfcu.org\\\/blog\\\/step-8-know-when-and-how-to-indulge\\\/#article\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/www.abileneteachersfcu.org\\\/blog\\\/step-8-know-when-and-how-to-indulge\\\/\"},\"author\":{\"name\":\"Elizabeth Gray\",\"@id\":\"https:\\\/\\\/www.abileneteachersfcu.org\\\/#\\\/schema\\\/person\\\/bbb775666bafa754dc2cac51bce74ae5\"},\"headline\":\"12 Steps to Financial Wellness &#8211; Step 8: Know When and How to Indulge\",\"datePublished\":\"2024-12-23T17:42:36+00:00\",\"dateModified\":\"2026-07-02T19:19:21+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\\\/\\\/www.abileneteachersfcu.org\\\/blog\\\/step-8-know-when-and-how-to-indulge\\\/\"},\"wordCount\":879,\"image\":{\"@id\":\"https:\\\/\\\/www.abileneteachersfcu.org\\\/blog\\\/step-8-know-when-and-how-to-indulge\\\/#primaryimage\"},\"thumbnailUrl\":\"https:\\\/\\\/www.abileneteachersfcu.org\\\/files\\\/Step-8-Indulgence.jpg\",\"articleSection\":[\"Advice\",\"Budgeting\"],\"inLanguage\":\"es-ES\"},{\"@type\":\"WebPage\",\"@id\":\"https:\\\/\\\/www.abileneteachersfcu.org\\\/blog\\\/step-8-know-when-and-how-to-indulge\\\/\",\"url\":\"https:\\\/\\\/www.abileneteachersfcu.org\\\/blog\\\/step-8-know-when-and-how-to-indulge\\\/\",\"name\":\"Step 8 to Financial Wellness: Know When & How to Indulge\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/www.abileneteachersfcu.org\\\/#website\"},\"primaryImageOfPage\":{\"@id\":\"https:\\\/\\\/www.abileneteachersfcu.org\\\/blog\\\/step-8-know-when-and-how-to-indulge\\\/#primaryimage\"},\"image\":{\"@id\":\"https:\\\/\\\/www.abileneteachersfcu.org\\\/blog\\\/step-8-know-when-and-how-to-indulge\\\/#primaryimage\"},\"thumbnailUrl\":\"https:\\\/\\\/www.abileneteachersfcu.org\\\/files\\\/Step-8-Indulgence.jpg\",\"datePublished\":\"2024-12-23T17:42:36+00:00\",\"dateModified\":\"2026-07-02T19:19:21+00:00\",\"author\":{\"@id\":\"https:\\\/\\\/www.abileneteachersfcu.org\\\/#\\\/schema\\\/person\\\/bbb775666bafa754dc2cac51bce74ae5\"},\"description\":\"Learn how to indulge responsibly without breaking your budget. Discover tips to overcome a poverty mindset and use guilt-free savings tools.\",\"breadcrumb\":{\"@id\":\"https:\\\/\\\/www.abileneteachersfcu.org\\\/blog\\\/step-8-know-when-and-how-to-indulge\\\/#breadcrumb\"},\"inLanguage\":\"es-ES\",\"potentialAction\":[{\"@type\":\"ReadAction\",\"target\":[\"https:\\\/\\\/www.abileneteachersfcu.org\\\/blog\\\/step-8-know-when-and-how-to-indulge\\\/\"]}]},{\"@type\":\"ImageObject\",\"inLanguage\":\"es-ES\",\"@id\":\"https:\\\/\\\/www.abileneteachersfcu.org\\\/blog\\\/step-8-know-when-and-how-to-indulge\\\/#primaryimage\",\"url\":\"https:\\\/\\\/www.abileneteachersfcu.org\\\/files\\\/Step-8-Indulgence.jpg\",\"contentUrl\":\"https:\\\/\\\/www.abileneteachersfcu.org\\\/files\\\/Step-8-Indulgence.jpg\",\"width\":950,\"height\":634,\"caption\":\"Yorkie in robe and eye mask\"},{\"@type\":\"BreadcrumbList\",\"@id\":\"https:\\\/\\\/www.abileneteachersfcu.org\\\/blog\\\/step-8-know-when-and-how-to-indulge\\\/#breadcrumb\",\"itemListElement\":[{\"@type\":\"ListItem\",\"position\":1,\"name\":\"Home\",\"item\":\"https:\\\/\\\/www.abileneteachersfcu.org\\\/\"},{\"@type\":\"ListItem\",\"position\":2,\"name\":\"12 Steps to Financial Wellness &#8211; Step 8: Know When and How to Indulge\"}]},{\"@type\":\"WebSite\",\"@id\":\"https:\\\/\\\/www.abileneteachersfcu.org\\\/#website\",\"url\":\"https:\\\/\\\/www.abileneteachersfcu.org\\\/\",\"name\":\"Abilene Teachers Federal Credit Union\",\"description\":\"\",\"potentialAction\":[{\"@type\":\"SearchAction\",\"target\":{\"@type\":\"EntryPoint\",\"urlTemplate\":\"https:\\\/\\\/www.abileneteachersfcu.org\\\/?s={search_term_string}\"},\"query-input\":{\"@type\":\"PropertyValueSpecification\",\"valueRequired\":true,\"valueName\":\"search_term_string\"}}],\"inLanguage\":\"es-ES\"},{\"@type\":\"Person\",\"@id\":\"https:\\\/\\\/www.abileneteachersfcu.org\\\/#\\\/schema\\\/person\\\/bbb775666bafa754dc2cac51bce74ae5\",\"name\":\"Elizabeth Gray\",\"image\":{\"@type\":\"ImageObject\",\"inLanguage\":\"es-ES\",\"@id\":\"https:\\\/\\\/secure.gravatar.com\\\/avatar\\\/f2ba246457d4fe83a7a3e8ae142074c9deabdcdb48c23755390d6691c725aa5a?s=96&d=mm&r=g\",\"url\":\"https:\\\/\\\/secure.gravatar.com\\\/avatar\\\/f2ba246457d4fe83a7a3e8ae142074c9deabdcdb48c23755390d6691c725aa5a?s=96&d=mm&r=g\",\"contentUrl\":\"https:\\\/\\\/secure.gravatar.com\\\/avatar\\\/f2ba246457d4fe83a7a3e8ae142074c9deabdcdb48c23755390d6691c725aa5a?s=96&d=mm&r=g\",\"caption\":\"Elizabeth Gray\"},\"url\":\"https:\\\/\\\/www.abileneteachersfcu.org\\\/es\\\/blog\\\/author\\\/egray\\\/\"}]}<\/script>\n<!-- \/ Yoast SEO plugin. -->","yoast_head_json":{"title":"Paso 8 hacia el bienestar financiero: sepa cu\u00e1ndo y c\u00f3mo darse el gusto","description":"Aprende a darte un capricho con responsabilidad sin desequilibrar tu presupuesto. Descubre consejos para superar la mentalidad de escasez y utiliza herramientas de ahorro sin remordimientos.","robots":{"index":"index","follow":"follow","max-snippet":"max-snippet:-1","max-image-preview":"max-image-preview:large","max-video-preview":"max-video-preview:-1"},"canonical":"https:\/\/www.abileneteachersfcu.org\/es\/blog\/paso-8-saber-cuando-y-como-complacerse\/","og_locale":"es_ES","og_type":"article","og_title":"Step 8 to Financial Wellness: Know When & How to Indulge","og_description":"Learn how to indulge responsibly without breaking your budget. Discover tips to overcome a poverty mindset and use guilt-free savings tools.","og_url":"https:\/\/www.abileneteachersfcu.org\/es\/blog\/paso-8-saber-cuando-y-como-complacerse\/","og_site_name":"Abilene Teachers Federal Credit Union","article_published_time":"2024-12-23T17:42:36+00:00","article_modified_time":"2026-07-02T19:19:21+00:00","og_image":[{"width":950,"height":634,"url":"https:\/\/www.abileneteachersfcu.org\/files\/Step-8-Indulgence.jpg","type":"image\/jpeg"}],"author":"Elizabeth Gray","twitter_card":"summary_large_image","twitter_misc":{"Written by":"Elizabeth Gray","Est. reading time":"5 minutos"},"schema":{"@context":"https:\/\/schema.org","@graph":[{"@type":"Article","@id":"https:\/\/www.abileneteachersfcu.org\/blog\/step-8-know-when-and-how-to-indulge\/#article","isPartOf":{"@id":"https:\/\/www.abileneteachersfcu.org\/blog\/step-8-know-when-and-how-to-indulge\/"},"author":{"name":"Elizabeth Gray","@id":"https:\/\/www.abileneteachersfcu.org\/#\/schema\/person\/bbb775666bafa754dc2cac51bce74ae5"},"headline":"12 Steps to Financial Wellness &#8211; Step 8: Know When and How to Indulge","datePublished":"2024-12-23T17:42:36+00:00","dateModified":"2026-07-02T19:19:21+00:00","mainEntityOfPage":{"@id":"https:\/\/www.abileneteachersfcu.org\/blog\/step-8-know-when-and-how-to-indulge\/"},"wordCount":879,"image":{"@id":"https:\/\/www.abileneteachersfcu.org\/blog\/step-8-know-when-and-how-to-indulge\/#primaryimage"},"thumbnailUrl":"https:\/\/www.abileneteachersfcu.org\/files\/Step-8-Indulgence.jpg","articleSection":["Advice","Budgeting"],"inLanguage":"es-ES"},{"@type":"WebPage","@id":"https:\/\/www.abileneteachersfcu.org\/blog\/step-8-know-when-and-how-to-indulge\/","url":"https:\/\/www.abileneteachersfcu.org\/blog\/step-8-know-when-and-how-to-indulge\/","name":"Paso 8 hacia el bienestar financiero: sepa cu\u00e1ndo y c\u00f3mo darse el gusto","isPartOf":{"@id":"https:\/\/www.abileneteachersfcu.org\/#website"},"primaryImageOfPage":{"@id":"https:\/\/www.abileneteachersfcu.org\/blog\/step-8-know-when-and-how-to-indulge\/#primaryimage"},"image":{"@id":"https:\/\/www.abileneteachersfcu.org\/blog\/step-8-know-when-and-how-to-indulge\/#primaryimage"},"thumbnailUrl":"https:\/\/www.abileneteachersfcu.org\/files\/Step-8-Indulgence.jpg","datePublished":"2024-12-23T17:42:36+00:00","dateModified":"2026-07-02T19:19:21+00:00","author":{"@id":"https:\/\/www.abileneteachersfcu.org\/#\/schema\/person\/bbb775666bafa754dc2cac51bce74ae5"},"description":"Aprende a darte un capricho con responsabilidad sin desequilibrar tu presupuesto. Descubre consejos para superar la mentalidad de escasez y utiliza herramientas de ahorro sin remordimientos.","breadcrumb":{"@id":"https:\/\/www.abileneteachersfcu.org\/blog\/step-8-know-when-and-how-to-indulge\/#breadcrumb"},"inLanguage":"es-ES","potentialAction":[{"@type":"ReadAction","target":["https:\/\/www.abileneteachersfcu.org\/blog\/step-8-know-when-and-how-to-indulge\/"]}]},{"@type":"ImageObject","inLanguage":"es-ES","@id":"https:\/\/www.abileneteachersfcu.org\/blog\/step-8-know-when-and-how-to-indulge\/#primaryimage","url":"https:\/\/www.abileneteachersfcu.org\/files\/Step-8-Indulgence.jpg","contentUrl":"https:\/\/www.abileneteachersfcu.org\/files\/Step-8-Indulgence.jpg","width":950,"height":634,"caption":"Yorkie in robe and eye mask"},{"@type":"BreadcrumbList","@id":"https:\/\/www.abileneteachersfcu.org\/blog\/step-8-know-when-and-how-to-indulge\/#breadcrumb","itemListElement":[{"@type":"ListItem","position":1,"name":"Home","item":"https:\/\/www.abileneteachersfcu.org\/"},{"@type":"ListItem","position":2,"name":"12 Steps to Financial Wellness &#8211; Step 8: Know When and How to Indulge"}]},{"@type":"WebSite","@id":"https:\/\/www.abileneteachersfcu.org\/#website","url":"https:\/\/www.abileneteachersfcu.org\/","name":"Cooperativa de cr\u00e9dito federal de maestros de Abilene","description":"","potentialAction":[{"@type":"SearchAction","target":{"@type":"EntryPoint","urlTemplate":"https:\/\/www.abileneteachersfcu.org\/?s={search_term_string}"},"query-input":{"@type":"PropertyValueSpecification","valueRequired":true,"valueName":"search_term_string"}}],"inLanguage":"es-ES"},{"@type":"Person","@id":"https:\/\/www.abileneteachersfcu.org\/#\/schema\/person\/bbb775666bafa754dc2cac51bce74ae5","name":"Elizabeth Gris","image":{"@type":"ImageObject","inLanguage":"es-ES","@id":"https:\/\/secure.gravatar.com\/avatar\/f2ba246457d4fe83a7a3e8ae142074c9deabdcdb48c23755390d6691c725aa5a?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/f2ba246457d4fe83a7a3e8ae142074c9deabdcdb48c23755390d6691c725aa5a?s=96&d=mm&r=g","contentUrl":"https:\/\/secure.gravatar.com\/avatar\/f2ba246457d4fe83a7a3e8ae142074c9deabdcdb48c23755390d6691c725aa5a?s=96&d=mm&r=g","caption":"Elizabeth Gray"},"url":"https:\/\/www.abileneteachersfcu.org\/es\/blog\/author\/egray\/"}]}},"_links":{"self":[{"href":"https:\/\/www.abileneteachersfcu.org\/es\/wp-json\/wp\/v2\/posts\/5070","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.abileneteachersfcu.org\/es\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.abileneteachersfcu.org\/es\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.abileneteachersfcu.org\/es\/wp-json\/wp\/v2\/users\/11"}],"replies":[{"embeddable":true,"href":"https:\/\/www.abileneteachersfcu.org\/es\/wp-json\/wp\/v2\/comments?post=5070"}],"version-history":[{"count":7,"href":"https:\/\/www.abileneteachersfcu.org\/es\/wp-json\/wp\/v2\/posts\/5070\/revisions"}],"predecessor-version":[{"id":9608,"href":"https:\/\/www.abileneteachersfcu.org\/es\/wp-json\/wp\/v2\/posts\/5070\/revisions\/9608"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.abileneteachersfcu.org\/es\/wp-json\/wp\/v2\/media\/5071"}],"wp:attachment":[{"href":"https:\/\/www.abileneteachersfcu.org\/es\/wp-json\/wp\/v2\/media?parent=5070"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.abileneteachersfcu.org\/es\/wp-json\/wp\/v2\/categories?post=5070"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.abileneteachersfcu.org\/es\/wp-json\/wp\/v2\/tags?post=5070"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}