{"id":369,"date":"2019-06-06T16:57:51","date_gmt":"2019-06-06T16:57:51","guid":{"rendered":"https:\/\/cashtime.com\/budgeting-strategies-for-the-beginning-of-each-month\/"},"modified":"2025-09-04T16:53:08","modified_gmt":"2025-09-04T16:53:08","slug":"estrategias-presupuestarias-para-principios-de-mes","status":"publish","type":"post","link":"https:\/\/cashtime.com\/es\/budgeting-strategies-for-the-beginning-of-each-month\/","title":{"rendered":"Estrategias presupuestarias para principios de mes"},"content":{"rendered":"

Presupuestos 101<\/strong>
\n\u00bfQu\u00e9 es lo primero que hay que saber sobre un presupuesto? Que necesitas tener uno. \u00bfPor qu\u00e9? Porque sin un presupuesto no sabes realmente a d\u00f3nde va tu dinero. Un presupuesto es simplemente una forma de planificar el destino de tu dinero, y eso te da el control. Y eso es bueno cuando se trata de dinero. Hacer un presupuesto con el que puedas vivir no es dif\u00edcil si tienes en cuenta algunos conceptos b\u00e1sicos. Aqu\u00ed tienes cinco consejos para crear un presupuesto mensual que te ayudar\u00e1n a empezar. <\/p>\n

5 consejos para elaborar un presupuesto mensual<\/strong>
\nEn primer lugar, hay que saber lo que entra. Eso es con lo que tienes que trabajar. No s\u00f3lo tu sueldo, sino tambi\u00e9n cualquier extra de un trabajo paralelo, manutenci\u00f3n de los hijos, primas, regalos, etc. Hazlo al principio de cada mes, porque las necesidades de cada mes ser\u00e1n diferentes. S\u00famalo todo y esos ser\u00e1n tus ingresos mensuales. A partir de ah\u00ed, puedes establecer unas cuantas categor\u00edas b\u00e1sicas de gastos fijos y otros gastos para determinar en qu\u00e9 se gastar\u00e1n estos ingresos.<\/p>\n

En segundo lugar, crea una categor\u00eda presupuestaria para gastos fijos que incluya:
\n- pagos de alquiler o hipoteca
\n- servicios p\u00fablicos
\n- facturas telef\u00f3nicas
\n- seguros (coche, hogar, m\u00e9dico, dental)
\n- pagos del coche
\n- pagos del pr\u00e9stamo
\n- pagos con tarjeta de cr\u00e9dito
\n- gastos de guarder\u00eda
\n- transporte
\nHaz una categor\u00eda presupuestaria para gastos habituales pero no necesariamente fijos, como por ejemplo
\n- donaci\u00f3n
\n- alimentos
\n- ahorro
\n- gastos personales
\n- varios<\/p>\n

En tercer lugar, s\u00e9 realista a la hora de asignar dinero a cada categor\u00eda. Los gastos fijos ser\u00e1n f\u00e1ciles porque, bueno, son fijos. Tendr\u00e1s que experimentar con los gastos no fijos. No vamos a dictarte cu\u00e1nto debes destinar a cada uno, pero hay muchas aplicaciones de presupuestos que ofrecen directrices sobre porcentajes razonables para cada categor\u00eda.<\/p>\n

En cuarto lugar, ahora que tienes una idea general de lo que va a entrar y de ad\u00f3nde ir\u00e1 a parar la mayor parte, re\u00fanete con tu c\u00f3nyuge o pareja y con los hijos que tengan dinero propio (y puedan aprender de ti a manejarlo) y planificad los gastos del mes. \u00bfHay alg\u00fan acontecimiento especial al que quieras asistir, como un concierto o un d\u00eda en el zoo? \u00bfUn cumplea\u00f1os especial, una graduaci\u00f3n, una boda u otro acontecimiento puntual? \u00bfQu\u00e9 categor\u00eda es lo bastante flexible como para ajustarla un poco y sacar dinero para ese acontecimiento? <\/p>\n

En quinto lugar, mantente flexible. Los presupuestos est\u00e1n hechos para ser fluidos, no r\u00edgidos. S\u00ed, necesitas una estructura, pero deja espacio para la creatividad dentro del marco de tu presupuesto. Cuando est\u00e1s preparado con un presupuesto s\u00f3lido, tus gastos fijos est\u00e1n cubiertos, as\u00ed que no tienes que preocuparte por el pago de las facturas, y si tienes dinero para gastos e imprevistos (como la categor\u00eda de varios) no tendr\u00e1s que preocuparte por gastar m\u00e1s de la cuenta.<\/p>\n

Cuando fijes tu presupuesto a principios de mes, revisa el mes anterior y comprueba si te ha funcionado o no. Haga los ajustes necesarios. Como hemos dicho antes, cada mes ser\u00e1 un poco diferente. No te sientas intimidado por esas diferencias, le coger\u00e1s el truco a los tres meses de utilizar un presupuesto y podr\u00e1s planificar tus gastos como un profesional.<\/p>","protected":false},"excerpt":{"rendered":"

Budgeting 101 What\u2019s the first thing you need to know about a budget? That you need to have one! Why? […]<\/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-369","post","type-post","status-publish","format-standard","hentry","category-uncategorized"],"acf":[],"yoast_head":"\nBudgeting Strategies for the Beginning of Each Month - 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\/estrategias-presupuestarias-para-principios-de-mes\/\" \/>\n<meta property=\"og:locale\" content=\"es_MX\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Budgeting Strategies for the Beginning of Each Month - Cash Time Loan Centers\" \/>\n<meta property=\"og:description\" content=\"Budgeting 101 What\u2019s the first thing you need to know about a budget? 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