{"id":279,"date":"2017-03-21T18:32:57","date_gmt":"2017-03-21T18:32:57","guid":{"rendered":"https:\/\/cashtime.com\/how-to-adjust-your-budget\/"},"modified":"2025-09-04T16:54:29","modified_gmt":"2025-09-04T16:54:29","slug":"como-ajustar-su-presupuesto","status":"publish","type":"post","link":"https:\/\/cashtime.com\/es\/how-to-adjust-your-budget\/","title":{"rendered":"C\u00f3mo ajustar su presupuesto"},"content":{"rendered":"<p>Tiene un presupuesto, pero no funciona. A algunas categor\u00edas les sobra dinero a final de mes, otras se agotan antes de que acabe el mes. Ha llegado el momento de ajustar el presupuesto. Puede que necesites de uno a tres meses de experimentaci\u00f3n presupuestaria antes de encontrar un sistema que se adapte a tus ingresos y a tu estilo de vida. No temas, seguir un presupuesto te ayudar\u00e1 a descubrir exactamente en qu\u00e9 gastas tu dinero y d\u00f3nde puedes ahorrar.<\/p>\n<p>Una de las grandes ventajas de los presupuestos es que pueden ajustarse. Los presupuestos son esencialmente un marco, o una estimaci\u00f3n, de lo que usted prev\u00e9 que ser\u00e1n sus necesidades financieras en un mes determinado. En general, algunos gastos presupuestados no suelen cambiar, como el alquiler o la hipoteca, el coche, los pr\u00e9stamos estudiantiles, el tel\u00e9fono o el seguro. Otras categor\u00edas, como las facturas de los servicios p\u00fablicos, el gas, los comestibles y el ocio, probablemente var\u00eden mes a mes.<\/p>\n<p>Si observa que una categor\u00eda concreta termina el mes sistem\u00e1ticamente con fondos sin gastar, puede ajustar a la baja el importe de esa categor\u00eda y asignar los fondos extra a otro lugar. Del mismo modo, si hay una categor\u00eda en la que constantemente faltan fondos, puede ajustar esa cantidad utilizando los fondos extra.<\/p>\n<p>Si eres nuevo en esto de los presupuestos y necesitas ayuda para establecer un esquema presupuestario inicial, consulta con tu banco o cooperativa de cr\u00e9dito. Muchas entidades financieras ofrecen herramientas presupuestarias, a menudo en l\u00ednea, que pueden ofrecerte una visi\u00f3n general de tus gastos mensuales y mostrarte en qu\u00e9 se te va el dinero.<\/p>\n<p>Si su banco no dispone de una herramienta de este tipo, puede tomar sus extractos mensuales y resaltar los gastos en diferentes categor\u00edas utilizando rotuladores de diferentes colores, y realizar un seguimiento de sus gastos en una sencilla <a href=\"https:\/\/www.smartsheet.com\/top-excel-budget-templates\">hoja de c\u00e1lculo<\/a> u hoja de c\u00e1lculo. (Consejo: si tu ordenador no tiene Excel, los paquetes de software gratuitos como OpenOffice tambi\u00e9n ofrecen hojas de c\u00e1lculo que pueden utilizarse para elaborar presupuestos). Pinterest ofrece m\u00e1s de 1.000 ideas de plantillas de presupuesto, as\u00ed que seguro que hay algo que te sirve.<\/p>\n<p>\u00bfNo eres aficionado a las hojas de c\u00e1lculo? Un libro mayor funciona igual de bien. Tanto si utilizas una hoja de c\u00e1lculo, una hoja de trabajo, un libro mayor o un gr\u00e1fico circular, el objetivo es llevar un registro de d\u00f3nde gastas tus ingresos para poder controlar tu dinero.<\/p>","protected":false},"excerpt":{"rendered":"<p>You have a budget, but it isn\u2019t working. Some categories have money left over at the end of the month, [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":0,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"inline_featured_image":false,"site-sidebar-layout":"default","site-content-layout":"","ast-site-content-layout":"default","site-content-style":"default","site-sidebar-style":"default","ast-global-header-display":"","ast-banner-title-visibility":"","ast-main-header-display":"","ast-hfb-above-header-display":"","ast-hfb-below-header-display":"","ast-hfb-mobile-header-display":"","site-post-title":"","ast-breadcrumbs-content":"","ast-featured-img":"","footer-sml-layout":"","ast-disable-related-posts":"","theme-transparent-header-meta":"","adv-header-id-meta":"","stick-header-meta":"","header-above-stick-meta":"","header-main-stick-meta":"","header-below-stick-meta":"","astra-migrate-meta-layouts":"default","ast-page-background-enabled":"default","ast-page-background-meta":{"desktop":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"tablet":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"mobile":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""}},"ast-content-background-meta":{"desktop":{"background-color":"var(--ast-global-color-4)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"tablet":{"background-color":"var(--ast-global-color-4)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"mobile":{"background-color":"var(--ast-global-color-4)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""}},"footnotes":""},"categories":[1],"tags":[],"class_list":["post-279","post","type-post","status-publish","format-standard","hentry","category-uncategorized"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.5 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>How to Adjust Your Budget - Cash Time Loan Centers<\/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:\/\/cashtime.com\/es\/como-ajustar-su-presupuesto\/\" \/>\n<meta property=\"og:locale\" content=\"es_MX\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"How to Adjust Your Budget - Cash Time Loan Centers\" \/>\n<meta property=\"og:description\" content=\"You have a budget, but it isn\u2019t working. 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