{"id":319,"date":"2018-04-10T22:45:28","date_gmt":"2018-04-10T22:45:28","guid":{"rendered":"https:\/\/cashtime.com\/how-to-save-money-in-high-school\/"},"modified":"2025-09-04T16:53:55","modified_gmt":"2025-09-04T16:53:55","slug":"como-ahorrar-dinero-en-el-instituto","status":"publish","type":"post","link":"https:\/\/cashtime.com\/es\/how-to-save-money-in-high-school\/","title":{"rendered":"C\u00f3mo ahorrar dinero en el instituto"},"content":{"rendered":"<p>La mayor\u00eda de los consejos que se dan sobre c\u00f3mo hacer un presupuesto y ahorrar dinero est\u00e1n pensados para los adultos, pero los ni\u00f1os de secundaria (e incluso los m\u00e1s peque\u00f1os) tienen la oportunidad de ganar dinero mientras estudian, por lo que tambi\u00e9n deber\u00edan saber c\u00f3mo hacer un presupuesto y ahorrar dinero. Al establecer buenos h\u00e1bitos monetarios desde el principio, los estudiantes de secundaria pueden tener una buena noci\u00f3n de c\u00f3mo administrar su dinero para cuando lleguen a la universidad o comiencen una carrera profesional. Seg\u00fan U.S. News and World Report, un estudio reciente muestra que los estudiantes de secundaria ahorran m\u00e1s dinero para la universidad ahora que en a\u00f1os anteriores. Seg\u00fan un informe, alrededor del 51% de los estudiantes de secundaria ahorran para la universidad y, de ellos, el 83% ahorra al menos $1.000 y el 33% ahorra m\u00e1s de $5.000. Aqu\u00ed tienes algunas ideas sobre c\u00f3mo ahorrar dinero mientras a\u00fan est\u00e1s en el instituto:<\/p>\n<p><strong>Haz un presupuesto.<\/strong> Para quienes no sepan exactamente qu\u00e9 es un presupuesto y por qu\u00e9 es una buena idea tener uno, un presupuesto es sencillamente un marco o plan para su dinero. Tu presupuesto te muestra cu\u00e1les son tus ingresos y a d\u00f3nde van a parar, d\u00e1ndote una idea clara de d\u00f3nde gastas m\u00e1s dinero cada mes y d\u00f3nde puedes ajustar tus gastos para ahorrar m\u00e1s. <\/p>\n<p><strong>Evita las deudas de las tarjetas de cr\u00e9dito.<\/strong> Estudiantes de tan s\u00f3lo 18 a\u00f1os reciben regularmente ofertas de tarjetas de cr\u00e9dito. Si no sabes c\u00f3mo funcionan las tarjetas de cr\u00e9dito, puede ser muy tentador pensar que tu l\u00ednea de cr\u00e9dito es \"dinero gratis\", \u00a1pero no es as\u00ed! Los bancos dependen de que los consumidores acumulen facturas de tarjetas de cr\u00e9dito que no pueden pagar por completo a final de mes, lo que permite al banco cobrar intereses sobre el saldo. As\u00ed es como los bancos ganan dinero, y as\u00ed es tambi\u00e9n como los consumidores pueden empezar a deslizarse hacia una deuda abrumadora. <\/p>\n<p>La \u00fanica forma de utilizar una tarjeta de cr\u00e9dito y no endeudarse es pagar el saldo todos los meses. La mejor manera de asegurarse de que puede hacerlo es planificar con antelaci\u00f3n y presupuestar dinero para cubrir cualquier compra que piense hacer utilizando una tarjeta de cr\u00e9dito. Aseg\u00farate de que el efectivo para cubrir esas compras est\u00e1 reservado para pagar la factura en su totalidad cuando llegue. Sin embargo, le recomendamos que se abstenga de aceptar ofertas de tarjetas de cr\u00e9dito y adquiera el h\u00e1bito de pagar sus compras en efectivo. Contrariamente a la creencia popular, no se necesitan tarjetas de cr\u00e9dito para llevar una vida agradable.<\/p>\n<p><strong>Trabaja a tiempo parcial.<\/strong> En lugar de tomarte el verano libre, \u00bfpor qu\u00e9 no financiar tus gastos con un trabajo a tiempo parcial? Si tienes una idea de la carrera que te gustar\u00eda seguir, busca unas pr\u00e1cticas remuneradas o un trabajo a tiempo parcial en ese campo para adquirir experiencia pr\u00e1ctica y ganar dinero al mismo tiempo. Un salario de $10 por hora no es infrecuente, e incluso despu\u00e9s de impuestos podr\u00edas llevar a casa varios cientos de d\u00f3lares al mes. Si destinas el 20% de tu dinero a actividades divertidas, te quedar\u00e1 un 80% disponible para ahorrar para un tel\u00e9fono nuevo, tu primer coche o tus estudios universitarios. Si crees que puedes caer en la tentaci\u00f3n de gastar tus ahorros, pide a tus padres que te guarden esos fondos.<\/p>\n<p><strong>Empieza pronto a solicitar becas.<\/strong> Aunque no ahorres mucho dinero durante la secundaria, no tienes que esperar hasta el \u00faltimo a\u00f1o para solicitar becas. Los estudiantes pueden empezar a solicitar becas en su primer a\u00f1o, y continuar durante su segundo y tercer a\u00f1o. Nunca es mal momento para empezar a solicitar becas o ahorrar para la universidad, y cuanto antes empieces, m\u00e1s posibilidades tendr\u00e1s de graduarte con una buena reserva de dinero.<\/p>","protected":false},"excerpt":{"rendered":"<p>Most of the advice out there on budgeting and saving money is tailored for adults, but kids in high school [&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-319","post","type-post","status-publish","format-standard","hentry","category-uncategorized"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.2 - 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