{"id":321,"date":"2018-04-20T20:02:35","date_gmt":"2018-04-20T20:02:35","guid":{"rendered":"https:\/\/cashtime.com\/saving-for-a-big-purchase-without-breaking-the-budget\/"},"modified":"2025-09-04T16:53:54","modified_gmt":"2025-09-04T16:53:54","slug":"ahorrar-para-una-gran-compra-sin-salirse-del-presupuesto","status":"publish","type":"post","link":"https:\/\/cashtime.com\/es\/saving-for-a-big-purchase-without-breaking-the-budget\/","title":{"rendered":"Ahorrar para una gran compra sin salirse del presupuesto"},"content":{"rendered":"

Hay momentos en la vida en los que hay que comprar un art\u00edculo de gran valor inesperado, y si no se ha reservado dinero para ello, un gran gasto puede hacer que el presupuesto se vaya al traste. \u00bfC\u00f3mo se puede reservar algo de dinero para estar preparado en caso de una compra importante sin salirse del presupuesto? <\/p>\n

Desgl\u00f3salo. <\/strong>
\nComo con cualquier gran objetivo, ahorrar una gran cantidad de dinero es mucho m\u00e1s f\u00e1cil si se divide en incrementos manejables. Empieza por la fecha de vencimiento o la fecha en la que quieres tener el dinero en su totalidad, y ve hacia atr\u00e1s. Por ejemplo, si necesitas $1200 y tienes seis meses hasta la fecha de vencimiento, div\u00eddelo en $200 al mes. Si ahorras s\u00f3lo $50 a la semana durante cuatro semanas, alcanzar\u00e1s tu objetivo de $200 al mes. Si incluso $50 a la semana te parece demasiado, ahorra $10 al d\u00eda durante cinco d\u00edas para conseguir el mismo objetivo. Tener objetivos semanales y mensuales puede ser muy motivador, y cada peque\u00f1o \u00e9xito en el ahorro ayuda a inspirar y sentar las bases para el siguiente.<\/p>\n

Automatice sus ahorros.<\/strong>
\nUtilizar la funci\u00f3n de dep\u00f3sito directo que ofrece tu banco puede ayudarte mucho a alcanzar tu objetivo de ahorro. Cuando se ahorra autom\u00e1ticamente una cantidad fija de dinero cada semana o cada n\u00f3mina, se puede acumular r\u00e1pidamente. Si abre una cuenta de ahorro aparte y desv\u00eda el dinero de su principal fuente de gasto, no tendr\u00e1 la tentaci\u00f3n de gastar en lugar de ahorrar. <\/p>\n

Ahorra cantidades a tanto alzado. <\/strong>
\nSi recibes una cantidad inesperada de dinero, como una devoluci\u00f3n de impuestos, una bonificaci\u00f3n del trabajo, un regalo de vacaciones o de cumplea\u00f1os, enviarlo directamente a tu cuenta de ahorro te ayudar\u00e1 a aumentar tus ahorros r\u00e1pidamente. Al tratarse de una cantidad de dinero inesperada, tiene sentido ingresar esos fondos en tu cuenta de ahorro en lugar de gastarlos, ya que no forman parte de tu presupuesto mensual habitual.<\/p>\n

Trabaja en algo extra.<\/strong>
\nConseguir un trabajo extra es una forma estupenda de engrosar su cuenta de ahorro especial y alcanzar antes su objetivo. Si s\u00f3lo dispone de unas pocas horas a la semana para realizar un trabajo extra y dedicar ese dinero a su gran compra, desde servicios de manitas a cuidar casas, pasear perros o hacer trabajos de jardiner\u00eda a cambio de un sueldo.<\/p>\n

Ten paciencia contigo mismo.<\/strong>
\nAhorrar dinero para una compra importante puede ser todo un reto. Puede que haya d\u00edas en los que prefiera hacer otra cosa con su dinero. Tenga en cuenta que est\u00e1 trabajando para conseguir un objetivo concreto y que los sacrificios y el esfuerzo adicional necesarios son una situaci\u00f3n temporal para lograr un objetivo puntual. Al final merecer\u00e1 la pena ahorrar el dinero que necesita lo antes posible. <\/p>\n

Una vez que haya hecho esto una vez, tendr\u00e1 un historial de \u00e9xito en el que basarse la pr\u00f3xima vez que necesite ahorrar para una compra importante, si quiere aumentar su fondo de emergencia, irse de vacaciones sin utilizar la tarjeta de cr\u00e9dito, comprar un coche nuevo con dinero en efectivo, empezar un fondo para la universidad o pagar la hipoteca de su casa antes de tiempo.<\/p>","protected":false},"excerpt":{"rendered":"

There are times in life when an unexpected large ticket item must be purchased, and if no money has been […]<\/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-321","post","type-post","status-publish","format-standard","hentry","category-uncategorized"],"acf":[],"yoast_head":"\nSaving for a Big Purchase Without Breaking the Budget - 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