{"id":280,"date":"2017-03-28T18:29:40","date_gmt":"2017-03-28T18:29:40","guid":{"rendered":"https:\/\/cashtime.com\/how-to-save-money-starting-today\/"},"modified":"2025-09-04T16:54:29","modified_gmt":"2025-09-04T16:54:29","slug":"como-ahorrar-dinero-a-partir-de-hoy","status":"publish","type":"post","link":"https:\/\/cashtime.com\/es\/how-to-save-money-starting-today\/","title":{"rendered":"C\u00f3mo ahorrar dinero desde hoy mismo"},"content":{"rendered":"

Quiere ahorrar dinero. Sabe que necesita ahorrar dinero. Pero, desgraciadamente, no sabe exactamente C\u00d3MO ahorrar dinero cada mes y empezar a ver crecer sus ahorros. La buena noticia es que ahorrar dinero no es tan dif\u00edcil como crees. He aqu\u00ed algunos pasos sencillos que puede dar a partir de hoy para conseguirlo.<\/p>\n

1. Establecer un objetivo<\/strong><\/u>.<\/strong> Digamos que tienes una deuda de tarjeta de cr\u00e9dito con intereses altos que quieres saldar en 2017. Es un buen objetivo. Si puedes disciplinarte para no cargar nada nuevo en tu tarjeta de cr\u00e9dito, ese es un gran primer paso. A partir de ah\u00ed, toma tu saldo total (puede que tengas que mirarlo sentado, por seguridad) y div\u00eddelo en 12 partes iguales. \u00c9ste es tu objetivo de pago mensual. \u00bfC\u00f3mo puedes conseguir ese dinero extra?<\/p>\n

2. Reducir la cantidad<\/strong><\/u>.<\/strong> Una forma sencilla de reducir al instante la deuda de tu tarjeta de cr\u00e9dito es reducir la cantidad de intereses que pagas cada mes. Una simple llamada telef\u00f3nica a la compa\u00f1\u00eda de su tarjeta de cr\u00e9dito puede ser suficiente. Simplemente solicite un tipo de inter\u00e9s m\u00e1s bajo, y puede que se sorprenda con la respuesta. Muchas compa\u00f1\u00edas de tarjetas de cr\u00e9dito ofrecen promociones anuales. Si cumple los requisitos, puede obtener al instante una rebaja y un pago mensual m\u00ednimo menor, lo que es una forma estupenda de empezar a liquidar el saldo. Si no cumple los requisitos para beneficiarse de una promoci\u00f3n, compare precios. Hay muchos tipos de inter\u00e9s diferentes, y es posible que pueda transferir todo o la mayor parte de su saldo a una tarjeta con un inter\u00e9s m\u00e1s bajo.<\/p>\n

3. Hacerlo accesible<\/strong><\/u>.<\/strong> Una estrategia para ahorrar una gran cantidad de dinero es dividirlo en \"trozos peque\u00f1os\", como una cantidad semanal o incluso diaria. Si, por ejemplo, tienes que conseguir 1.400 millones de euros m\u00e1s al mes para pagar el saldo de tu tarjeta de cr\u00e9dito antes de que acabe el a\u00f1o, te parecer\u00e1 mucho menos abrumador si te pones como objetivo ahorrar 1.400 millones de euros a la semana durante cuatro semanas.<\/p>\n

4. Facilitarlo al m\u00e1ximo<\/strong><\/u>.<\/strong> \u00bfSigue siendo demasiado para tu cerebro? Prueba a reservar s\u00f3lo $10 al d\u00eda durante cinco d\u00edas (puedes tomarte el fin de semana libre, si quieres). As\u00ed parece mucho m\u00e1s factible, \u00bfverdad? Puedes ahorrar $10 al d\u00eda f\u00e1cilmente. S\u00e1ltate el caf\u00e9 especial y ll\u00e9vate el almuerzo, \u00a1y listo! Tendr\u00e1s esos $200 extra al mes en un abrir y cerrar de ojos.<\/p>\n

5. Recomp\u00e9nsate cuando alcances un objetivo<\/strong><\/u>.<\/strong> Todos necesitamos un poco de est\u00edmulo, as\u00ed que cuando alcances un objetivo, como ahorrar $50 a la semana, haz algo bonito para ti (que no implique gastar esos $50, porque eso s\u00f3lo sabotear\u00eda tus esfuerzos). Duerme un poco m\u00e1s el s\u00e1bado por la ma\u00f1ana o alquila una pel\u00edcula por poco m\u00e1s de un d\u00f3lar y disfruta de una noche de cine, con palomitas extra. Te lo has ganado.<\/p>\n

Pruebe a seguir estos sencillos pasos para liquidar los saldos de su tarjeta de cr\u00e9dito u otros pr\u00e9stamos, o utilice las estrategias descritas anteriormente para ahorrar para una compra importante que pueda realizar en efectivo y evitar los cargos por intereses adicionales. Incluso puedes ahorrar para irte de vacaciones con estos consejos de ahorro. El cielo es el l\u00edmite cuando se trata de cu\u00e1nto puedes ahorrar de esta manera, y lo que haces con el dinero que ahorras.<\/p>","protected":false},"excerpt":{"rendered":"

You want to save money. You know you need to save money. 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