{"id":389,"date":"2019-10-23T20:12:40","date_gmt":"2019-10-23T20:12:40","guid":{"rendered":"https:\/\/cashtime.com\/how-to-prepare-your-personal-finances-for-a-recession\/"},"modified":"2025-09-04T16:52:46","modified_gmt":"2025-09-04T16:52:46","slug":"como-preparar-sus-finanzas-personales-para-una-recesion","status":"publish","type":"post","link":"https:\/\/cashtime.com\/es\/how-to-prepare-your-personal-finances-for-a-recession\/","title":{"rendered":"C\u00f3mo preparar sus finanzas personales para una recesi\u00f3n"},"content":{"rendered":"<p>Aunque 2018 fue un a\u00f1o excepcional para la econom\u00eda, con las tasas de desempleo en su nivel m\u00e1s bajo en casi 50 a\u00f1os y el aumento de los salarios impulsando el gasto de los consumidores a un m\u00e1ximo hist\u00f3rico, algunos expertos financieros est\u00e1n prediciendo que otra recesi\u00f3n est\u00e1 en el horizonte (aunque probablemente no este a\u00f1o gracias al reciente fuerte crecimiento de la econom\u00eda). <\/p>\n<p>Aunque los tiempos sean buenos econ\u00f3micamente en este momento, la historia nos demuestra que la prosperidad es c\u00edclica, y que la econom\u00eda nacional fluct\u00faa entre altibajos, por lo que es l\u00f3gico tener un plan para los tiempos de vacas flacas. \u00bfEst\u00e1 preparado para una posible recesi\u00f3n? He aqu\u00ed algunos pasos que puede dar para prepararse y preparar sus finanzas para una posible recesi\u00f3n, cuando llegue. Y si nunca llega, estar\u00e1s en buena forma. <\/p>\n<p><strong>Pagar la deuda.<\/strong> Si evita los gastos innecesarios (l\u00e9ase \"compras impulsivas\"), podr\u00e1 destinar una mayor parte de sus ingresos al pago de sus deudas. Empieza por la deuda m\u00e1s cara (normalmente las tarjetas de cr\u00e9dito con tipos de inter\u00e9s elevados) y destina todo lo que ahorres frenando las compras impulsivas a reducir a cero las facturas de tus tarjetas de cr\u00e9dito. Esto crea un respiro en tu presupuesto, te da una sensaci\u00f3n de logro y reduce el estr\u00e9s. Pruebe una tarjeta de cr\u00e9dito de transferencia de saldo con inter\u00e9s cero y aproveche ese periodo introductorio (que puede ser de hasta 14 meses) para sacar el m\u00e1ximo partido a sus pagos. Si el plazo introductorio de 0% TAE expira antes de que liquide totalmente el saldo, busque otra tarjeta con tipo de inter\u00e9s cero a la que transferir el saldo restante y siga haci\u00e9ndolo hasta que haya liquidado todas sus tarjetas de cr\u00e9dito. Entonces, deja de utilizarlas.<\/p>\n<p><strong>Ahorra para emergencias.<\/strong> Ahorra un fondo de emergencia de $1.000 inmediatamente y ve aumentando a partir de ah\u00ed hasta que tengas un fondo de emergencia para cubrir necesidades b\u00e1sicas como la vivienda, la comida y el transporte durante tres a seis meses. Este colch\u00f3n de efectivo se ocupar\u00e1 de las cosas que inevitablemente surgen a medida que vas pagando tus deudas y evitar\u00e1 que recurras a esas tarjetas de cr\u00e9dito con altos intereses que est\u00e1s pagando. <\/p>\n<p><strong>Mejora tus perspectivas laborales.<\/strong> No existe la seguridad en el empleo, as\u00ed que s\u00e9 inteligente y prep\u00e1rate para una posible interrupci\u00f3n de los ingresos debido a un despido. Mejora tu capacidad para conseguir un nuevo empleo mediante la formaci\u00f3n continua y el desarrollo de habilidades en tu campo o en un \u00e1rea de inter\u00e9s y consigue (o prep\u00e1rate para conseguir) un trabajo secundario. Si pierdes tu trabajo, no perder\u00e1s 100% de tus ingresos. Investiga trabajos similares al tuyo actual y aseg\u00farate de que tu curr\u00edculum est\u00e1 preparado con las habilidades que buscan los posibles empleadores.<\/p>\n<p><strong>Invertir y diversificar.<\/strong> Si tienes inversiones, aseg\u00farate de tener una buena combinaci\u00f3n de acciones y bonos. Si a\u00fan no tiene inversiones, empiece a crear una cartera. Las acciones pueden bajar durante una recesi\u00f3n, pero es probable que se recuperen con el tiempo. Su cartera de inversiones debe estar diversificada para sacar el m\u00e1ximo partido a su dinero, as\u00ed que invierta en una variedad de acciones, bonos y fondos de inversi\u00f3n. Consulte a un experto cualificado en carteras de inversi\u00f3n para determinar el mejor plan para sus inversiones.<\/p>\n<p>Nadie puede predecir a la perfecci\u00f3n la econom\u00eda de nuestro pa\u00eds, pero una cosa con la que puedes contar (\u00a1es un juego de palabras!) es que las cosas cambiar\u00e1n. Sea inteligente con sus gastos, pague sus deudas lo antes posible, cree un fondo de emergencia, actualice su curr\u00edculum e invierta sabiamente y estar\u00e1 lo m\u00e1s preparado posible para cualquier cambio en la econom\u00eda.<\/p>","protected":false},"excerpt":{"rendered":"<p>Although 2018 was a banner year for the economy, with unemployment rates at an almost 50 year low and increasing [&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-389","post","type-post","status-publish","format-standard","hentry","category-uncategorized"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v28.1 - 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