{"id":375,"date":"2019-07-18T16:15:59","date_gmt":"2019-07-18T16:15:59","guid":{"rendered":"https:\/\/cashtime.com\/how-to-manage-money-when-your-income-is-lower-than-expected\/"},"modified":"2025-09-04T16:52:47","modified_gmt":"2025-09-04T16:52:47","slug":"como-gestionar-el-dinero-cuando-los-ingresos-son-inferiores-a-lo-previsto","status":"publish","type":"post","link":"https:\/\/cashtime.com\/es\/how-to-manage-money-when-your-income-is-lower-than-expected\/","title":{"rendered":"C\u00f3mo gestionar el dinero cuando los ingresos son inferiores a lo previsto"},"content":{"rendered":"<p>Todo el mundo tiene a veces \"ese mes\": le han recortado horas en el trabajo, o est\u00e1 entre dos trabajos aut\u00f3nomos, o alg\u00fan otro cambio inesperado en sus ingresos echa por tierra su presupuesto previsto. Ahora es el momento de planificar si los ingresos son menores de lo previsto, aunque en este momento sean estupendos.<\/p>\n<p><strong>Iniciar un presupuesto<\/strong><\/p>\n<p>S\u00e9 lo m\u00e1s realista posible con tu presupuesto: qu\u00e9 gastos son absolutamente inevitables y de cu\u00e1les podr\u00edas prescindir durante un mes. El presupuesto no debe centrarse en lo que no puede tener, sino en la frecuencia con que puede disfrutar de las cosas buenas de la vida. Si decide reducir los gastos discrecionales, es decir, los que no son imprescindibles, tendr\u00e1 la oportunidad de ahorrar un poco cada mes para los meses de vacas flacas del futuro.<\/p>\n<p><strong>Sepa cu\u00e1nto necesita para vivir<\/strong><\/p>\n<p>Si le preocupa que un mes de bajos ingresos sea inferior a sus gastos b\u00e1sicos, querr\u00e1 ver qu\u00e9 puede hacer para reducir la cuant\u00eda de sus gastos b\u00e1sicos o aumentar sus ingresos secundarios. S\u00ed, ahora parecen imposibles, pero el inicio de este proceso es una simple indagaci\u00f3n personal: \u00bfPuedo vivir sin Internet en casa y consultar mi correo electr\u00f3nico en la biblioteca, o tal vez puedo reducir mi plan de telefon\u00eda m\u00f3vil o buscar uno m\u00e1s barato? \u00bfPuedo conseguir un compa\u00f1ero de piso que pague parte de mis gastos de alojamiento a cambio de compartir piso? \u00bfEstoy comprando art\u00edculos de conveniencia (comida de tienda o para llevar, por ejemplo) cuando podr\u00eda dedicar m\u00e1s tiempo a preparar art\u00edculos m\u00e1s baratos?<\/p>\n<p>S\u00f3lo t\u00fa sabes cu\u00e1l de ellos est\u00e1 a tu alcance, pero si te preocupan los ingresos irregulares, tendr\u00e1s mayor tranquilidad si inicias procesos que reduzcan tu cifra de ingresos \"necesarios para salir del paso\" y aumenten tus ingresos complementarios.<\/p>\n<p><strong>Ahorrar siempre que sea posible<\/strong><\/p>\n<p>Un detalle importante es no limitarse a gastar los ingresos adicionales. Tanto si acabas de tener un buen mes como si has conseguido un compa\u00f1ero de piso o has empezado a hacer de canguro, destina la mayor parte posible de cualquier aumento de ingresos al ahorro. Piensa que es un anticipo de los ingresos que necesitar\u00e1s en esos meses dif\u00edciles del futuro. Adem\u00e1s, el dinero en una cuenta de ahorro crece, por lo que ser\u00e1 un poco m\u00e1s cuando realmente tengas un mes de bajos ingresos.<\/p>\n<p>Estas estrategias de preparaci\u00f3n le ayudar\u00e1n a planificar y prever los meses de bajos ingresos sin miedo. Si ahora est\u00e1s en un mes de bajos ingresos, recuerda que prescindir de lo que no es esencial y ser creativo har\u00e1 que el mes mejore para que puedas arregl\u00e1rtelas hasta el siguiente mes de mejores ingresos.<\/p>","protected":false},"excerpt":{"rendered":"<p>Everyone has &#8220;that month&#8221; sometimes: hours got cut at work, or you are between freelance jobs, or some other unexpected [&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-375","post","type-post","status-publish","format-standard","hentry","category-uncategorized"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.5 - 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