{"id":364,"date":"2019-04-23T17:45:57","date_gmt":"2019-04-23T17:45:57","guid":{"rendered":"https:\/\/cashtime.com\/saving-while-expecting-how-to-save-money-during-your-pregnancy\/"},"modified":"2025-09-04T16:53:08","modified_gmt":"2025-09-04T16:53:08","slug":"como-ahorrar-dinero-durante-el-embarazo","status":"publish","type":"post","link":"https:\/\/cashtime.com\/es\/saving-while-expecting-how-to-save-money-during-your-pregnancy\/","title":{"rendered":"c\u00f3mo ahorrar dinero durante el embarazo"},"content":{"rendered":"<p>Aunque tener un hijo puede ser divertido, ahorrar para ello no lo es tanto. El coste medio de criar a un hijo es de $233.610, y eso sin incluir los gastos del embarazo o la universidad. Si t\u00fa o alguien cercano est\u00e1is esperando un hijo, tendr\u00e9is que extender algunos cheques durante las pr\u00f3ximas dos d\u00e9cadas. \u00bfC\u00f3mo puedes ahorrar eficazmente para los pr\u00f3ximos doce a\u00f1os en menos de nueve meses? Buenas noticias. No necesitas esos $233k por adelantado, pero s\u00ed saber c\u00f3mo llegar a ellos.<\/p>\n<p><strong>Empieza a ahorrar.<\/strong> \u00bfLa mejor manera de comerse un elefante? De bocado en bocado. Todo lo que pueda guardar para un d\u00eda lluvioso, h\u00e1galo. Crea un fondo de emergencia si a\u00fan no lo tienes. Ahorra todo lo que puedas. Si no va a pagar las facturas, el alquiler o cualquier otra cosa que necesite para vivir, gu\u00e1rdelo. Un poco ahora ayuda m\u00e1s de lo que piensas ma\u00f1ana. <\/p>\n<p><strong>Presupuesto.<\/strong> Tienes un presupuesto, \u00bfverdad? Deber\u00eda... no nos faltan gu\u00edas sobre c\u00f3mo lograrlo. Tanto si tienes uno listo como si no, habr\u00e1 que ajustar tus n\u00fameros. Vea d\u00f3nde puede recortar, lo que le permitir\u00e1 poner m\u00e1s dinero en ahorros. Determina qu\u00e9 gastos adicionales habr\u00e1 cuando llegue el beb\u00e9, como pa\u00f1ales, juego de coche y dem\u00e1s. Aseg\u00farate de que todo el tiempo que te ausentas del trabajo est\u00e1 presente y contabilizado.<\/p>\n<p><strong>Guarder\u00eda.<\/strong> \u00bfVa a recurrir a una guarder\u00eda para cuidar de su hijo o va a modificar su carrera profesional para quedarse en casa? Ambas opciones tienen sus pros y sus contras, y ambas requieren cierta planificaci\u00f3n adicional. Aseg\u00farate de que puedes cubrir el coste de la guarder\u00eda, que asciende a una media de $750 al mes. Si decides asumirlo t\u00fa mismo, aseg\u00farate de la disminuci\u00f3n de horas que supone y de si necesitas alg\u00fan equipo adicional para tu oficina en casa.<\/p>\n<p><strong>Deuda.<\/strong> Al destinar m\u00e1s dinero a mantener a tu hijo feliz y sano, habr\u00e1 menos para hacer frente a las deudas pendientes que puedas tener. Determina si merece la pena invertir en eliminar todas las deudas posibles antes de que nazca tu hijo. Si eso no es realista, \u00a1no hay problema! Ajusta tu presupuesto para poder pagar las deudas con el aumento de tus gastos.<\/p>\n<p><strong>Seguro.<\/strong> Con un hijo, algunos de sus gastos habituales se ajustar\u00e1n. Esto incluye los seguros de vida y salud, que pueden ver incrementados sus gastos tras el nacimiento de su hijo. Aunque puede ser dif\u00edcil enfrentarse a la mortalidad, usted quiere asegurarse de que su familia est\u00e1 en la mejor situaci\u00f3n posible en caso de que usted fallezca. Ahorrar para un hijo no es s\u00f3lo para pagar las facturas y la comida de ma\u00f1ana, sino para el futuro... con o sin usted.<\/p>\n<p><strong>Futuro.<\/strong> Una vez m\u00e1s, ahorrar no es s\u00f3lo ahorrar para el a\u00f1o que viene. Querr\u00e1s asegurarte de que tienes suficiente para los pr\u00f3ximos diez a\u00f1os, tanto para tu hijo como para ti. No sacrifiques el futuro inmediato (como las facturas y un fondo de emergencia) por el futuro, pero aseg\u00farate de que est\u00e1s ahorrando dinero para la universidad, la jubilaci\u00f3n, un plan 529 e inversiones continuas en los dem\u00e1s gastos.<\/p>","protected":false},"excerpt":{"rendered":"<p>While making a baby may be fun, saving for the thing isn\u2019t as joyous. The average cost of raising a [&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-364","post","type-post","status-publish","format-standard","hentry","category-uncategorized"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.4 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Saving While Expecting: How to Save Money During Your Pregnancy - 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-ahorrar-dinero-durante-el-embarazo\/\" \/>\n<meta property=\"og:locale\" content=\"es_MX\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Saving While Expecting: How to Save Money During Your Pregnancy - Cash Time Loan Centers\" \/>\n<meta property=\"og:description\" content=\"While making a baby may be fun, saving for the thing isn\u2019t as joyous. 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