{"id":305,"date":"2017-11-08T21:41:34","date_gmt":"2017-11-08T21:41:34","guid":{"rendered":"https:\/\/cashtime.com\/how-to-persistently-pay-off-debt\/"},"modified":"2025-09-04T16:54:11","modified_gmt":"2025-09-04T16:54:11","slug":"como-pagar-las-deudas-con-constancia","status":"publish","type":"post","link":"https:\/\/cashtime.com\/es\/how-to-persistently-pay-off-debt\/","title":{"rendered":"C\u00f3mo pagar las deudas con constancia"},"content":{"rendered":"

Si est\u00e1 trabajando en el pago de una cantidad significativa de la deuda, que sin duda se han enfrentado a la realidad de que es un marat\u00f3n, en lugar de una carrera de velocidad, para llegar a su meta de estar libre de deudas. Como bien saben los corredores de marat\u00f3n, el camino puede ser doloroso en ocasiones. Para mantener la motivaci\u00f3n a largo plazo, tienes que sacar el m\u00e1ximo partido de los contratiempos y los baches del camino y perseverar, presionando hacia la l\u00ednea de meta. No dejes que tus dificultades te quebranten, sino que te ayuden a hacer que tu viaje merezca a\u00fan m\u00e1s la pena. Somos conscientes de que a veces es m\u00e1s f\u00e1cil decirlo que hacerlo, as\u00ed que tenemos algunas estrategias probadas de libertad financiera para sugerir que le ayudar\u00e1n con la perseverancia a lo largo de su camino.<\/p>\n

 <\/p>\n

1. Reconocer las peque\u00f1as victorias<\/strong>. Si te enfrentas a una monta\u00f1a de deudas y\/o a un tipo de inter\u00e9s elevado, es tentador centrarse en lo lejos que tienes que llegar en lugar de en los progresos que est\u00e1s haciendo. Si ha encontrado la manera de hacer algo m\u00e1s que el pago m\u00ednimo de sus facturas cada mes, aunque s\u00f3lo sean cinco o diez d\u00f3lares m\u00e1s, \u00a1dese una palmadita en la espalda! Es una victoria, aunque sea peque\u00f1a, y puede ser una motivaci\u00f3n en s\u00ed misma para buscar otras formas de hacer peque\u00f1os avances aqu\u00ed y all\u00e1. No desacredites tus esfuerzos, porque cada peque\u00f1o granito de arena marca realmente la diferencia, aunque al principio no lo parezca. Las peque\u00f1as victorias tienden a inspirar otras m\u00e1s grandes y, antes de que te des cuenta, podr\u00e1s encontrar formas de destinar a\u00fan m\u00e1s dinero a tus pagos mensuales y empezar a ver c\u00f3mo tus esfuerzos se convierten en una bola de nieve. Intenta hacer un seguimiento de tu progreso cada mes para visualizar mejor tus victorias y el progreso que has hecho hasta ahora.<\/p>\n

2. Celebra tus progresos<\/strong>. Una vez al mes, planifique un m\u00e9todo barato o gratuito para celebrar los progresos realizados hacia su libertad financiera. Puede ser algo tan sencillo como alquilar una pel\u00edcula $1 y programar una noche de cine con su pareja, amigos o familiares. Qui\u00e9n sabe, \u00a1puede que acabes inspirando a otra persona que est\u00e9 luchando contra el monstruo de las deudas!<\/p>\n

3. \u00danete a otros en el mismo camino<\/strong>. Sepa que no est\u00e1 solo en su b\u00fasqueda de la libertad financiera. Hay una enorme comunidad en Internet de personas que est\u00e1n en el mismo camino, y conectar con esa comunidad puede ser una gran fuente de inspiraci\u00f3n para ti. Busque grupos de Facebook, blogs en Internet o incluso un grupo de apoyo local o clases gratuitas en una biblioteca, centro comunitario, colegio o iglesia cercanos. Escuchar las luchas de otras personas y c\u00f3mo las han superado puede proporcionarte la inspiraci\u00f3n y el apoyo (y posiblemente algunas estrategias) que necesitas para perseverar en tu camino. Puedes considerar la posibilidad de unir fuerzas con otra persona o familia en el camino de la libertad, y convertirlo en una competici\u00f3n para ver qui\u00e9n puede salir primero de las deudas. A veces, un poco de competici\u00f3n hace que sea m\u00e1s un juego y menos una tarea.<\/p>\n

4. Utilizar el sistema de bola de nieve<\/strong>. A la hora de hacer frente a una monta\u00f1a de deudas, el m\u00e9todo de la bola de nieve es muy popular. Consiste en anotar todas las deudas en un papel, atacar primero la m\u00e1s peque\u00f1a y efectuar pagos m\u00ednimos en todas las dem\u00e1s. Una vez pagada la deuda m\u00e1s peque\u00f1a, coge el dinero que estabas dedicando a esa deuda y apl\u00edcalo a la siguiente deuda m\u00e1s peque\u00f1a, y sigue as\u00ed hasta que hayas pagado todas tus deudas. <\/p>\n

5. Empezar un negocio paralelo<\/strong>. Adem\u00e1s de utilizar el m\u00e9todo de la bola de nieve para pagar sucesivamente las deudas m\u00e1s grandes hasta que todas desaparezcan, considera la posibilidad de a\u00f1adir un negocio secundario y dedicar todo el dinero que ganes con \u00e9l a pagar tu deuda. De este modo, estar\u00e1s atacando el problema desde dos frentes, lo que significa que se resolver\u00e1 mucho antes. Si necesitas algunas ideas, echa un vistazo a estas 84 actividades secundarias<\/a> para a\u00f1adir algo de dinero extra a tu vida.<\/p>\n

 <\/p>\n

No dejes de divertirte mientras recorres el camino hacia tu objetivo. Prep\u00e1rate para alg\u00fan desliz ocasional y no te castigues por ello. Resu\u00e9lvete a aprender de tus errores y, sobre todo, \u00a1no te rindas! Reconociendo tus victorias, celebrando los peque\u00f1os \u00e9xitos, obteniendo apoyo, utilizando un sistema de amortizaci\u00f3n de probada eficacia y a\u00f1adiendo unos ingresos extra a tu arsenal de armas para luchar contra las deudas, puedes aumentar tu perseverancia en el camino hacia la libertad financiera. <\/p>","protected":false},"excerpt":{"rendered":"

If you are working on paying down a significant amount of debt, you have no doubt been faced with the […]<\/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-305","post","type-post","status-publish","format-standard","hentry","category-uncategorized"],"acf":[],"yoast_head":"\nHow to Persistently Pay Off Debt - 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