{"id":381,"date":"2019-08-29T16:25:05","date_gmt":"2019-08-29T16:25:05","guid":{"rendered":"https:\/\/cashtime.com\/the-difference-between-sinking-funds-emergency-savings\/"},"modified":"2025-09-04T16:52:46","modified_gmt":"2025-09-04T16:52:46","slug":"la-diferencia-entre-los-fondos-extinguibles-y-los-ahorros-de-emergencia","status":"publish","type":"post","link":"https:\/\/cashtime.com\/es\/the-difference-between-sinking-funds-emergency-savings\/","title":{"rendered":"Diferencia entre fondos de amortizaci\u00f3n y ahorros de emergencia"},"content":{"rendered":"<p>En nuestro blog de junio sobre <a href=\"https:\/\/cashtime.com\/es\/blogpost\/cashtime-loan-centers\/2019\/06\/13\/cinco-habitos-financieros-saludables\/\">Cinco h\u00e1bitos financieros saludables<\/a>La quinta se centra en ahorrar para objetivos espec\u00edficos, reservando una peque\u00f1a cantidad cada mes para alcanzarlos. Esta es b\u00e1sicamente la descripci\u00f3n de un fondo de amortizaci\u00f3n. Los fondos de amortizaci\u00f3n pueden utilizarse para pagar una deuda o para ahorrar para un gasto planificado, como un viaje, el mantenimiento de un coche (por ejemplo, un juego nuevo de neum\u00e1ticos) o un acontecimiento como la celebraci\u00f3n de un cumplea\u00f1os, un fin de semana de aniversario lejos de todo o Navidad. A medida que aumenta la cantidad de dinero que ahorra, la cantidad que necesita se \"hunde\" (o se reduce, en otras palabras). El fondo de reserva es distinto del fondo de emergencia, pero igual de importante. Tener ambos tipos de ahorros es importante para su salud financiera.<\/p>\n<p>\u00bfPor qu\u00e9 son importantes los fondos de amortizaci\u00f3n? Los fondos de amortizaci\u00f3n son una herramienta financiera \u00fatil que le ayudar\u00e1 a gestionar su dinero con prudencia. Un fondo de amortizaci\u00f3n se destina a un gasto previsto y planificado. Para determinar cu\u00e1nto necesita ahorrar, tome la cantidad total a gastar y div\u00eddala por el n\u00famero de meses que le quedan hasta que tenga que hacer la compra. Por ejemplo, si creas un fondo de amortizaci\u00f3n para neum\u00e1ticos nuevos que alimentas con $75 cada mes, s\u00f3lo tardar\u00e1s seis meses en tener ahorrados $450. Ahorrar $75 al mes duele mucho menos que sacar $450 de tu cuenta corriente o de tu fondo de emergencia, y los neum\u00e1ticos no son realmente una emergencia, son una necesidad. Es un gasto que sabes que llegar\u00e1 en alg\u00fan momento, as\u00ed que \u00bfpor qu\u00e9 no crear un fondo de reserva y disponer del dinero cuando llegue el momento?<\/p>\n<p>Como ya hemos dicho, un fondo de amortizaci\u00f3n no es un fondo de emergencia. Un fondo de amortizaci\u00f3n es un fondo espec\u00edfico para un fin concreto, mientras que un fondo de emergencia es un fondo para imprevistos financieros, como la p\u00e9rdida de un empleo o una crisis de salud inesperada. Ambos tipos de fondos son importantes y necesarios para mantener tu presupuesto en orden y estar preparado para lo que pueda venir, pero no son lo mismo.<\/p>\n<p>Puede que te preguntes qu\u00e9 tipo de gastos (aparte de neum\u00e1ticos nuevos) se pueden incluir en un fondo de amortizaci\u00f3n y cu\u00e1ntos deber\u00edas tener. El presupuesto y el estilo de vida de cada persona son diferentes, pero aqu\u00ed tienes algunas sugerencias de cosas para las que podr\u00edas querer establecer un fondo de reserva:<\/p>\n<p>1. Fiesta de graduaci\u00f3n, regalo y\/o viaje<br \/>\n2. Boda<br \/>\n3. Luna de miel<br \/>\n4. Viaje de aniversario<br \/>\n5. Gastos del nuevo beb\u00e9 (factura del hospital, cuna, equipamiento)<br \/>\n6. Coche nuevo<br \/>\n7. Mobiliario<br \/>\n8. Grandes electrodom\u00e9sticos (lavadora, secadora, frigor\u00edfico, cocina)<br \/>\n9. Vacaciones<br \/>\n10. Navidad<br \/>\n11. Pago inicial de una vivienda<br \/>\n12. Viajes<\/p>\n<p>Si crea un fondo de amortizaci\u00f3n, estar\u00e1 preparado para hacer frente a las reparaciones y sustituciones de elementos importantes cuando sea necesario, antes de que se conviertan en emergencias. Al tener un fondo separado para emergencias, tambi\u00e9n estar\u00e1s preparado para cuando ocurra lo inesperado. T\u00f3mate unos minutos para anotar los gastos que sabes que tendr\u00e1s en el futuro y crea un fondo de reserva para cada uno de ellos. Puedes empezar con una cantidad peque\u00f1a e ir aumentando; no te preocupes si no puedes poner mucho dinero en cada fondo de reserva para empezar. La cuesti\u00f3n es empezar por alg\u00fan sitio e ir creciendo a partir de ah\u00ed. Si a final de mes te sobran unos cuantos d\u00f3lares en una categor\u00eda del presupuesto, transfi\u00e9relos a un fondo de amortizaci\u00f3n y te sorprender\u00e1 lo r\u00e1pido que alcanzas tus objetivos de fondos de amortizaci\u00f3n.<\/p>","protected":false},"excerpt":{"rendered":"<p>In our June blog on Five Healthy Financial Habits, number five focused on saving for specific goals by putting aside [&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-381","post","type-post","status-publish","format-standard","hentry","category-uncategorized"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.6 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>The Difference Between Sinking Funds &amp; 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