{"id":7801,"date":"2019-05-23T12:55:34","date_gmt":"2019-05-23T16:55:34","guid":{"rendered":"https:\/\/www.bscu.org\/?p=7801"},"modified":"2019-05-23T12:55:34","modified_gmt":"2019-05-23T16:55:34","slug":"financesthisspring","status":"publish","type":"post","link":"https:\/\/www.bscu.org\/es\/financesthisspring\/","title":{"rendered":"5 maneras de sanear tus finanzas esta primavera"},"content":{"rendered":"
\"Clean
Cuando tus finanzas est\u00e1n en control \u00a1se nota!<\/figcaption><\/figure>\n

Ya llega la primavera, pero tus finanzas no tienen por qu\u00e9 estarlo. Con la limpieza de primavera en mente, ahora es el momento de ordenar ese armario y, lo m\u00e1s importante, tu billetera.<\/p>\n

Afortunadamente, la cultura popular reciente ha intensificado la importancia de la limpieza en todas nuestras mentes. Recientemente, los m\u00e9todos de limpieza por categor\u00edas y de guardar solo las pertenencias que nos hacen felices se han vuelto cada vez m\u00e1s populares. Si bien este m\u00e9todo es excelente para optimizar el espacio f\u00edsico, tambi\u00e9n puede aplicarse a las finanzas.<\/p>\n

Aqu\u00ed hay 5 formas de limpiar tus finanzas justo a tiempo para la primavera.<\/strong><\/h2>\n
    \n
  1. \n

    Gastos de limpieza<\/strong><\/h3>\n<\/li>\n<\/ol>\n

    Haz un balance de tu cuenta bancaria evaluando las suscripciones recurrentes que se pagan autom\u00e1ticamente cada mes y de las que probablemente puedas prescindir. Por ejemplo, quiz\u00e1s te des cuenta de que no necesitas ese paquete de cable de 500 canales o la suscripci\u00f3n a revistas. No te preocupes, puedes conservar tu suscripci\u00f3n a Netflix, pero considera una cuenta familiar para dividir los gastos. Quiz\u00e1s quieras ahorrar dinero con tu membres\u00eda de Amazon Prime esperando unos d\u00edas m\u00e1s por tus paquetes. Adem\u00e1s, esto puede disuadirte de comprar cosas que no necesitas.<\/p>\n

      \n
    1. \n

      Crear categor\u00edas financieras<\/strong><\/h3>\n<\/li>\n<\/ol>\n

      Usando esta t\u00e9cnica de categorizaci\u00f3n, organiza tus extractos bancarios de los \u00faltimos meses creando una categor\u00eda para cada transacci\u00f3n. Algunas categor\u00edas podr\u00edan incluir gastos b\u00e1sicos (como el alquiler, el pago del auto y los servicios p\u00fablicos), ahorros y entretenimiento. Una vez creadas las categor\u00edas, crea un sistema de archivo que te funcione, ya sea en carpetas, una aplicaci\u00f3n o en l\u00ednea. Esto te ayudar\u00e1 a ver ad\u00f3nde se ha ido tu dinero y a controlar tus gastos futuros.<\/p>\n

        \n
      1. \n

        Organice su puntaje de cr\u00e9dito<\/strong><\/h3>\n<\/li>\n<\/ol>\n

        Mejorar tu puntaje crediticio es un paso importante para sanear tus finanzas si quieres pedir un pr\u00e9stamo o hacer una compra importante en el futuro. Comienza revisando tu informe para detectar cualquier inexactitud que pueda estar bajando tu puntaje. Despu\u00e9s de crear las categor\u00edas financieras del paso anterior, revisa las fechas de pago de tus facturas para evitar pagos atrasados. Una forma de hacerlo es configurar pagos autom\u00e1ticos o recordatorios en el calendario.<\/p>\n

          \n
        1. \n

          Pague su deuda<\/strong><\/h3>\n<\/li>\n<\/ol>\n

          Tu primer instinto al lidiar con las deudas puede ser ignorarlas con la esperanza de que desaparezcan, pero esto solo empeorar\u00e1 la situaci\u00f3n. Mientras haces limpieza de primavera en casa y solo conservas las cosas que te hacen feliz, aparta las que ya no quieras y v\u00e9ndelas en una venta de garaje. Puedes usar el dinero que ganes para pagar parte de tus deudas. Otra forma de acumular dinero extra es convertir un pasatiempo en un trabajo extra. Por ejemplo, si te gustan las manualidades, monetiza tu pasatiempo vendiendo tus obras de arte en l\u00ednea o a familiares y amigos.<\/p>\n

            \n
          1. \n

            Establecer y comprometerse con objetivos financieros<\/strong><\/h3>\n<\/li>\n<\/ol>\n

            Define tus objetivos financieros a corto y largo plazo y planifica cu\u00e1nto dinero necesitas reservar cada mes para alcanzarlos. Para muchas personas, el objetivo principal es aumentar sus ahorros. Si bien hay muchas maneras de hacerlo, una de las m\u00e1s efectivas es elaborar un presupuesto. Establece un l\u00edmite de gasto y comprom\u00e9tete a decir "no" cuando lo alcances. Y lo m\u00e1s importante, haz un seguimiento y si\u00e9ntete orgulloso de tu progreso para aumentar tu confianza financiera e inspirarte a seguir adelante.<\/p>\n

            Independientemente de su situaci\u00f3n financiera, utilizar t\u00e9cnicas de limpieza de primavera y organizaci\u00f3n en sus finanzas puede ayudarle a alcanzar sus objetivos y ordenar sus finanzas.<\/p>","protected":false},"excerpt":{"rendered":"Spring is in the air, but your finances don\u2019t have to be. With spring cleaning on the brain, now is […]"},"author":4,"featured_media":7804,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[21,34,33,17,37],"tags":[],"class_list":["post-7801","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-budget","category-credit-cards","category-financial-decisions","category-online","category-organized"],"yoast_head":"\n5 Ways to Clean Up Your Finances This Spring - BrightStar Credit Union<\/title>\n<meta name=\"description\" content=\"Make fixing your finances the new fashion. We have 5 simple methods that can help you clean up your finances this spring.\" \/>\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.bscu.org\/es\/financesthisspring\/\" \/>\n<meta property=\"og:locale\" content=\"es_ES\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"5 Ways to Clean Up Your Finances This Spring\" \/>\n<meta property=\"og:description\" content=\"Make fixing your finances the new fashion. 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