{"id":6194,"date":"2022-02-22T07:00:08","date_gmt":"2022-02-22T14:00:08","guid":{"rendered":"https:\/\/www.dncu.com\/?p=6194"},"modified":"2024-09-20T09:19:23","modified_gmt":"2024-09-20T15:19:23","slug":"5-consejos-para-impulsar-tu-plan-de-ahorro","status":"publish","type":"post","link":"https:\/\/www.dncu.com\/es\/blog\/5-tips-to-jump-start-your-savings-plan\/","title":{"rendered":"5 consejos para impulsar tu plan de ahorro"},"content":{"rendered":"<h2 style=\"text-align: center;\"><strong>5 consejos para impulsar tu plan de ahorro<\/strong><\/h2>\n<h2 style=\"text-align: center; font-size: 3rem;\">En colaboraci\u00f3n con GreenPath Financial Wellness<\/h2>\n<p>&nbsp;<\/p>\n<p>Es la naturaleza humana. Todos estamos programados para satisfacer nuestros deseos inmediatos, ya sea darnos el gusto de comer un tentador taz\u00f3n de helado, pasar m\u00e1s tiempo del previsto navegando por las redes sociales o darnos un capricho con una compra impulsiva.<\/p>\n<p>Los gastos imprevistos o las emergencias son otros sucesos comunes de la vida. Una reparaci\u00f3n del coche o de la casa, o incluso una emergencia relacionada con el clima, pueden afectar nuestro presupuesto.<\/p>\n<p>Ya sea por la dificultad de posponer las recompensas inmediatas para obtener mayores beneficios en el futuro, o por un gasto inesperado, las personas que buscan crear un h\u00e1bito de ahorro exitoso a menudo se topan con estos desaf\u00edos tan humanos.<\/p>\n<p>Para ayudarte a afrontar esta situaci\u00f3n, aqu\u00ed tienes cinco consejos que te sugerimos para impulsar tus ahorros.<\/p>\n<p>&nbsp;<\/p>\n<p><span class=\"bold\">1. Elabora tu presupuesto<\/span><\/p>\n<p>Para lograr el \u00e9xito en tus ahorros, crea un presupuesto sencillo. Imag\u00ednalo como una hoja de ruta que te indica exactamente cu\u00e1l es tu situaci\u00f3n en cuanto a ingresos y gastos mensuales, cu\u00e1nto dinero puedes ahorrar cada mes y si vas por buen camino. Un presupuesto te ayuda a monitorear y controlar tu progreso financiero. Lo m\u00e1s importante es actualizarlo y revisarlo peri\u00f3dicamente. Cr\u00e9alo en el formato que mejor te funcione: una aplicaci\u00f3n para smartphone, una hoja de c\u00e1lculo o una libreta. Gu\u00e1rdalo en un lugar de f\u00e1cil acceso para llevar un registro de tus ingresos, gastos y ahorros.<\/p>\n<p><span class=\"bold\">2. Establece objetivos SMART<\/span><\/p>\n<p>El acr\u00f3nimo SMART ofrece una estrategia para alcanzar metas de ahorro espec\u00edficas, medibles, alcanzables, realistas y con un plazo definido. Por ejemplo, seg\u00fan tu situaci\u00f3n particular, podr\u00edas ahorrar 1 TP4T20 cada semana para alcanzar una meta anual de 1 TP4T1000. Mide tu progreso semanalmente y ajusta tu estrategia seg\u00fan sea necesario. Siguiendo el m\u00e9todo SMART, tendr\u00e1s m\u00e1s probabilidades de alcanzar tus metas de ahorro al ahorrar peque\u00f1as cantidades en un plazo realista.<\/p>\n<p><span class=\"bold\">3. Gestionar la deuda<\/span><\/p>\n<p>A muchas personas les resulta dif\u00edcil ahorrar dinero cuando tienen deudas elevadas de tarjetas de cr\u00e9dito. Cuanto m\u00e1s tiempo mantengas saldos altos, mayor ser\u00e1 la cantidad de tu pago mensual que se destine a intereses y menos tendr\u00e1s para ahorrar. Ahorrar\u00e1s la mayor cantidad posible.<br \/>\nPara ahorrar dinero, empieza a pagar lo m\u00e1ximo posible de tu deuda con el inter\u00e9s m\u00e1s alto. Una vez que la hayas pagado, contin\u00faa con la segunda deuda con el inter\u00e9s m\u00e1s alto, y as\u00ed sucesivamente. Si te cuesta elaborar un plan para pagar tus deudas por tu cuenta, \u00a1hay ayuda disponible! Colaborar con una organizaci\u00f3n nacional sin fines de lucro de confianza como GreenPath Financial Wellness ha demostrado ser eficaz para gestionar las deudas y empezar a ahorrar.<\/p>\n<p><span class=\"bold\">4. Crea tu fondo de emergencia <\/span><\/p>\n<p>Un plan de ahorro debe incluir la creaci\u00f3n de un fondo de emergencia para afrontar gastos inesperados y contratiempos repentinos. Como regla general, se recomienda reservar el equivalente a tres meses de gastos en este fondo. Esto te dar\u00e1 tiempo para afrontar cualquier imprevisto. Si esto no es realista en tu caso, empieza con lo que puedas. Lo m\u00e1s importante es adquirir el h\u00e1bito de priorizar tus ahorros y empezar a ahorrar. No tienes que alcanzar la meta de golpe.<\/p>\n<p><span class=\"bold\">5. Config\u00faralo y olv\u00eddate.<\/span><\/p>\n<p>Los ahorradores m\u00e1s exitosos automatizan los dep\u00f3sitos mensuales para que sea lo m\u00e1s sencillo posible. Decide cu\u00e1nto puedes ahorrar y configura una transferencia autom\u00e1tica. Otra buena opci\u00f3n es depositar autom\u00e1ticamente una parte de tu sueldo en tu cuenta de ahorros cada d\u00eda de pago. Empieza con una cantidad que puedas permitirte ahorrar y planifica tus objetivos de ahorro a largo plazo.<\/p>\n<p><span class=\"bold\">Hagamos un plan juntos<\/span><\/p>\n<p>No tienes que empezar a ahorrar solo. Los asesores financieros profesionales y comprensivos de GreenPath pueden ayudarte a crear un plan de ahorro. GreenPath tambi\u00e9n ofrece asesoramiento gratuito sobre deudas y cr\u00e9dito. Si te resulta \u00fatil, un Plan de Gesti\u00f3n de Deudas puede reducir tus tasas de inter\u00e9s y comisiones, ayudarte a ahorrar dinero y pagar tus deudas m\u00e1s r\u00e1pido. \u00a1Llama al 877-337-3399 para empezar!<\/p>\n<p>&nbsp;<\/p>\n<p>&nbsp;<\/p>\n<p>&nbsp;<\/p>\n<p>&nbsp;<\/p>\n<p>&nbsp;<\/p>","protected":false},"excerpt":{"rendered":"<p>5 consejos para impulsar tu plan de ahorros En colaboraci\u00f3n con GreenPath Financial Wellness Es la naturaleza humana. Todos estamos programados para satisfacer nuestros deseos inmediatos, ya sea darnos el gusto de un tentador taz\u00f3n de helado, pasar m\u00e1s tiempo del previsto navegando por las redes sociales o darnos un capricho con una compra impulsiva. Los gastos imprevistos o las emergencias son otros aspectos comunes de la vida\u2026 <a href=\"https:\/\/www.dncu.com\/es\/blog\/5-tips-to-jump-start-your-savings-plan\/\">Contin\u00faa leyendo <span class=\"meta-nav\">\u2192<\/span><\/a><\/p>","protected":false},"author":20,"featured_media":10489,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"_searchwp_excluded":"","footnotes":""},"categories":[45,42,40],"tags":[],"class_list":["post-6194","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-dncu-everyday","category-financial-fitness","category-save"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v28.0 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>DNCU | Jump Start your Savings Plan<\/title>\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.dncu.com\/es\/blog\/5-consejos-para-impulsar-tu-plan-de-ahorro\/\" \/>\n<meta property=\"og:locale\" content=\"es_ES\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"DNCU | Jump Start your Savings Plan\" \/>\n<meta property=\"og:description\" content=\"5 Tips to Jump-Start Your Savings Plan In partnership with GreenPath Financial Wellness &nbsp; It\u2019s human nature. We\u2019re all wired to meet our immediate wants, whether it\u2019s indulging in a tempting bowl of ice cream, spending more time than we planned scrolling through social media, or treating ourselves to an impulse purchase. Unplanned expenses or emergencies are other common life &hellip; Continue reading &rarr;\" \/>\n<meta property=\"og:url\" content=\"https:\/\/www.dncu.com\/es\/blog\/5-consejos-para-impulsar-tu-plan-de-ahorro\/\" \/>\n<meta property=\"og:site_name\" content=\"Del Norte Credit Union\" \/>\n<meta property=\"article:published_time\" content=\"2022-02-22T14:00:08+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2024-09-20T15:19:23+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/f3bec255-0e31-4fe2-83aa-f85087ca2a1a.cc10.conves.io\/files\/1-SavingsPlan.jpeg\" \/>\n\t<meta property=\"og:image:width\" content=\"670\" \/>\n\t<meta property=\"og:image:height\" content=\"447\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/jpeg\" \/>\n<meta name=\"author\" content=\"Lisa Romero\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:label1\" content=\"Written by\" \/>\n\t<meta name=\"twitter:data1\" content=\"Lisa Romero\" 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