{"id":383,"date":"2019-09-12T20:08:59","date_gmt":"2019-09-12T20:08:59","guid":{"rendered":"https:\/\/cashtime.com\/what-to-do-with-your-third-extra-paycheck\/"},"modified":"2025-09-04T16:52:46","modified_gmt":"2025-09-04T16:52:46","slug":"que-hacer-con-la-tercera-paga-extra","status":"publish","type":"post","link":"https:\/\/cashtime.com\/es\/what-to-do-with-your-third-extra-paycheck\/","title":{"rendered":"Qu\u00e9 hacer con la tercera paga extra"},"content":{"rendered":"<p>\u00bfSab\u00edas que si cobras cada dos semanas, hay cuatro meses en 2020 y cinco en 2021 en los que recibir\u00e1s una paga extra? Aunque no es exactamente dinero \"gratis\", esa tercera paga podr\u00eda suponer un boom para tu situaci\u00f3n financiera. Sin embargo, sin un plan sobre qu\u00e9 hacer con el dinero extra, lo m\u00e1s probable es que desaparezca r\u00e1pidamente y te quedes sin saber ad\u00f3nde ha ido a parar. \u00bfQu\u00e9 puede hacer para aprovechar al m\u00e1ximo ese tercer sueldo?<\/p>\n<p>&nbsp;<\/p>\n<p><strong>Preparar y planificar<\/strong><\/p>\n<p>Estos son los pr\u00f3ximos meses en los que se producir\u00e1 una tercera paga, para los que cobran quincenalmente: 2020: Enero, mayo, julio y octubre. 2021: Enero, abril, julio, octubre y diciembre. Ahora que tiene las fechas, puede prepararse con antelaci\u00f3n para tratar esa paga extra como la gratificaci\u00f3n que es. Decida ahora mismo hacer un plan para esas finanzas que le ayudar\u00e1 a mejorar su situaci\u00f3n financiera. \u00bfTiene un fondo de emergencia? Si no es as\u00ed, \u00a1\u00e9sta es una buena manera de empezar a tenerlo! Recomendamos entre $1.000 y $2.000 para empezar, y luego, a medida que el tiempo y la vida lo permitan, seguir aumentando esa cantidad hasta llegar a cubrir los gastos de entre tres y seis meses. Esto le dar\u00e1 una maravillosa sensaci\u00f3n de seguridad en caso de que se produzca un acontecimiento importante en su vida, como la p\u00e9rdida de un empleo o un despido, facturas m\u00e9dicas inesperadas o la p\u00e9rdida de un veh\u00edculo.<\/p>\n<p><strong>\u00a0<\/strong><\/p>\n<p><strong>Ahorra y\/o g\u00e1stalo sabiamente<\/strong><\/p>\n<p>\u00bfTienes un pr\u00e9stamo con un tipo de inter\u00e9s alto o el saldo de una tarjeta de cr\u00e9dito? Utiliza las pagas extra para saldar esa deuda m\u00e1s r\u00e1pidamente. Tal vez tengas uno o varios pr\u00e9stamos peque\u00f1os que podr\u00edas saldar totalmente con una o dos pagas extra. \u00bfNo ser\u00eda estupendo? \u00a1A por ello! \u00bfEst\u00e1s ahorrando para la jubilaci\u00f3n o quieres empezar a hacerlo? Esta es la manera perfecta de poner en marcha sus ahorros para la jubilaci\u00f3n o de aumentar una cuenta de jubilaci\u00f3n que ya haya abierto. \u00bfTiene que hacer un gasto importante, como cambiar los neum\u00e1ticos del coche antes de que llegue el invierno? \u00bfPor qu\u00e9 no utilizar el dinero de la paga extra y disfrutar de la libertad de no cargar ese gasto a la tarjeta de cr\u00e9dito? \u00bfHace a\u00f1os que no se va de vacaciones con la familia? Si sus finanzas est\u00e1n en buena forma, \u00bfpor qu\u00e9 no destinar la paga extra a un viaje para que usted y sus seres queridos se alejen de todo durante unos d\u00edas? S\u00ed, \u00a1est\u00e1 bien gastar dinero en ti mismo mientras sales de deudas!<\/p>\n<p>&nbsp;<\/p>\n<p>Independientemente de c\u00f3mo decidas gastar tu tercera paga, con un plan para esos ingresos extra sabr\u00e1s exactamente a d\u00f3nde fue a parar el dinero, \u00a1y te sentir\u00e1s bien por ser tan buen gestor del dinero!<\/p>","protected":false},"excerpt":{"rendered":"<p>Did you know that if you get paid every two weeks, there are four months in 2020 and five in [&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-383","post","type-post","status-publish","format-standard","hentry","category-uncategorized"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.8 - 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