{"id":11934,"date":"2014-11-25T05:30:15","date_gmt":"2014-11-25T11:30:15","guid":{"rendered":"http:\/\/www.figueroafinancial.com\/?p=11934"},"modified":"2014-11-24T20:21:13","modified_gmt":"2014-11-25T02:21:13","slug":"por-que-caemos-en-las-deudas","status":"publish","type":"post","link":"https:\/\/www.figueroafinancial.com\/es\/2014\/11\/25\/por-que-caemos-en-las-deudas\/","title":{"rendered":"\u00bfPor Qu\u00e9 Caemos en las Deudas?"},"content":{"rendered":"<!--powerpress_player--><div class=\"powerpress_player\" id=\"powerpress_player_8913\"><audio class=\"wp-audio-shortcode\" id=\"audio-11934-1\" preload=\"none\" style=\"width: 100%;\" controls=\"controls\"><source type=\"audio\/mpeg\" src=\"http:\/\/media.blubrry.com\/ayuda_y_esperanza\/www.figueroafinancial.com\/wp-content\/uploads\/2014\/11\/Podcast-Nov-26-2014.mp3?_=1\" \/><a href=\"http:\/\/media.blubrry.com\/ayuda_y_esperanza\/www.figueroafinancial.com\/wp-content\/uploads\/2014\/11\/Podcast-Nov-26-2014.mp3\">http:\/\/media.blubrry.com\/ayuda_y_esperanza\/www.figueroafinancial.com\/wp-content\/uploads\/2014\/11\/Podcast-Nov-26-2014.mp3<\/a><\/audio><\/div><p class=\"powerpress_links powerpress_links_mp3\" style=\"margin-bottom: 1px !important;\">Podcast: <a href=\"http:\/\/media.blubrry.com\/ayuda_y_esperanza\/www.figueroafinancial.com\/wp-content\/uploads\/2014\/11\/Podcast-Nov-26-2014.mp3\" class=\"powerpress_link_pinw\" target=\"_blank\" title=\"Reproducir en una nueva ventana\" onclick=\"return powerpress_pinw('https:\/\/www.figueroafinancial.com\/es\/\/?powerpress_pinw=11934-podcast');\" rel=\"nofollow\">Reproducir en una nueva ventana<\/a> | <a href=\"http:\/\/media.blubrry.com\/ayuda_y_esperanza\/www.figueroafinancial.com\/wp-content\/uploads\/2014\/11\/Podcast-Nov-26-2014.mp3\" class=\"powerpress_link_d\" title=\"Descargar\" rel=\"nofollow\" download=\"Podcast-Nov-26-2014.mp3\">Descargar<\/a><\/p><p class=\"powerpress_links powerpress_subscribe_links\">Suscr\u00edbete: <a href=\"https:\/\/subscribebyemail.com\/www.figueroafinancial.com\/es\/feed\/podcast\/\" class=\"powerpress_link_subscribe powerpress_link_subscribe_email\" target=\"_blank\" title=\"Suscr\u00edbete por correo electr\u00f3nico\" rel=\"nofollow\">Correo electr\u00f3nico<\/a> | <a href=\"https:\/\/www.figueroafinancial.com\/es\/feed\/podcast\/\" class=\"powerpress_link_subscribe powerpress_link_subscribe_rss\" target=\"_blank\" title=\"Suscr\u00edbete v\u00eda RSS\" rel=\"nofollow\">RSS<\/a><\/p><p><a href=\"http:\/\/www.figueroafinancial.com\/wp-content\/uploads\/2014\/11\/Podcast-Porque-Caemos-en-Deudas.jpg\"><img loading=\"lazy\" decoding=\"async\" class=\"alignleft  wp-image-11938\" src=\"http:\/\/www.figueroafinancial.com\/wp-content\/uploads\/2014\/11\/Podcast-Porque-Caemos-en-Deudas.jpg\" alt=\"\u00bfPor Qu\u00e9 Caemos en las Deudas?\" width=\"215\" height=\"237\" \/><\/a>\u00a1Bienvenidos al episodio\u00a0<span style=\"color: #008000;\"><strong>#60\u00a0<\/strong><\/span>del Podcast \u201c<span style=\"color: #008000;\"><strong><em>Ayuda y Esperanza para Tus Finanzas<\/em><\/strong><\/span>\u201d!<\/p>\n<p>Cuando leo art\u00edculos financieros y discuto temas financieros con la gente, es muy claro que la mayor\u00eda de las personas est\u00e1n de acuerdo en <span style=\"color: #008000;\"><strong><em>que caer en las deudas y quedarse en las deudas<\/em><\/strong><\/span> puede ser perjudicial para tus finanzas.<\/p>\n<p>Sin embargo, nuestra comprensi\u00f3n intelectual no coincide con nuestro comportamiento.<\/p>\n<p>En promedio, los estadounidenses tienen\u00a0<span style=\"color: #008000;\"><strong>4.4<\/strong><\/span>\u00a0tarjetas de cr\u00e9dito con una deuda promedio de\u00a0<span style=\"color: #008000;\"><strong>$3,300<\/strong><\/span>\u00a0(considerando trabajadores administrativos y profesionales), aun cuando la tasa de inter\u00e9s promedio es del <span style=\"color: #008000;\"><strong>15%<\/strong><\/span>\u00a0( <a href=\"http:\/\/money.cnn.com\/galleries\/2012\/pf\/1206\/gallery.wealth-net-worth.moneymag\/?iid=SF_M_Highlight\">\u201cMoney Magazine\u201d, Julio de 2012<\/a>).<\/p>\n<p><a title=\"Suscr\u00edbete al Podcast en iTunes.\" href=\"itms:\/\/itunes.apple.com\/us\/podcast\/ayuda-y-esperanza-para-tus\/id717724952?mt=2\" target=\"_blank\"><img loading=\"lazy\" decoding=\"async\" class=\"aligncenter size-full wp-image-7024\" src=\"http:\/\/www.figueroafinancial.com\/wp-content\/uploads\/2014\/03\/Subscribe-to-Podcast-iTunes3.jpg\" alt=\"Subscribe to the Podcast in iTunes\" width=\"225\" height=\"27\" \/><\/a><\/p>\n<h2>Resumen del Episodio<\/h2>\n<p>Normalmente, prefiero hablar acerca de c\u00f3mo salir de las deudas. Sin embargo, hoy quiero pasar un momento discutiendo el\u00a0<strong><em>\u201c<span style=\"color: #008000;\">por qu\u00e9<\/span>\u201d<\/em><\/strong>\u00a0caemos en las deudas.<\/p>\n<p>Si entendemos la ra\u00edz del problema, podemos tomar acci\u00f3n para cambiar nuestro comportamiento.<\/p>\n<p>He aqu\u00ed <strong><span style=\"color: #008000;\">3<\/span><\/strong> razones principales por las que caemos en las deudas:<\/p>\n<ol>\n<li>No planeamos para los gastos.<\/li>\n<li>Queremos aprovechar las \u201cofertas\u201d.<\/li>\n<li>Somos influenciados por la cultura.<\/li>\n<\/ol>\n<p><a title=\"Suscr\u00edbete al Podcast en Stitcher.\" href=\"http:\/\/www.stitcher.com\/podcast\/figueroa-financial\/ayuda-y-esperanza-para-tus-finanzas?refid=stpr\" target=\"_blank\"><img loading=\"lazy\" decoding=\"async\" class=\"aligncenter size-full wp-image-7026\" src=\"http:\/\/www.figueroafinancial.com\/wp-content\/uploads\/2014\/03\/Subscribe-to-Podcast-Stitcher1.jpg\" alt=\"Subscribe to the Podcast in Stitcher\" width=\"225\" height=\"26\" \/><\/a><\/p>\n<h2>Recursos Adicionales<\/h2>\n<ul>\n<li>Presentaci\u00f3n: <a href=\"http:\/\/www.slideshare.net\/JoseFigueroa27\/6-pasos-para-salir-de-deudas\">6 Pasos Para Salir de las Deudas<\/a><\/li>\n<li>Podcast: <a href=\"http:\/\/www.figueroafinancial.com\/es\/2014\/02\/18\/7-recompensas-de-vivir-sin-deudas\/\">7 Recompensas de Vivir Sin Deudas<\/a><\/li>\n<li>Referencia: <a href=\"http:\/\/www.figueroafinancial.com\/wp-content\/uploads\/2014\/02\/Hoja-Bola-de-Nieve-de-Deudas-Enero-2014.xls\">Hoja de Bola de Nieve de Deudas<\/a><\/li>\n<\/ul>\n<p>En \u00faltima instancia, somos v\u00edctima de la trampa de querer todo <span style=\"color: #008000;\"><strong><em>ahora<\/em><\/strong><\/span>.<\/p>\n<p>Cambiamos la satisfacci\u00f3n inmediata de hoy por la mejor recompensa de un futuro financiero estable.<\/p>\n<p>\u00a1Sal de la trampa hoy mismo!<\/p>\n<p>Desarrolla un presupuesto, ahorra para emergencias, decide que vas a aprender a esperar y ahorrar para comprar lo que quieres.<\/p>\n<p style=\"text-align: center;\"><span style=\"color: #008000;\"><em><strong>\u201cLa deuda es tonta. Las personas m\u00e1s normales est\u00e1n quebradas porque est\u00e1n en deudas hasta sus ojos sin esperanza de ayuda. Si t\u00fa est\u00e1s en deuda, entonces eres un esclavo porque no tienes la libertad de utilizar tu dinero para ayudar a cambiar tu \u00e1rbol geneal\u00f3gico.\u201d<\/strong><\/em><strong><em><br \/>\nDave Ramsey, Experto en Finanzas, Autor, y Anfitri\u00f3n de Radio<\/em><\/strong><\/span><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Normalmente, prefiero hablar acerca de c\u00f3mo salir de las deudas. Sin embargo, hoy quiero pasar un momento discutiendo el \u201cpor qu\u00e9\u201d caemos en las deudas.<\/p>\n","protected":false},"author":1,"featured_media":0,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"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":"","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-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":"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":""},"mobile":{"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":""}},"_jetpack_memberships_contains_paid_content":false,"footnotes":""},"categories":[222,333],"tags":[217,318,326,461],"class_list":["post-11934","post","type-post","status-publish","format-standard","hentry","category-deudas-es","category-podcast-2","tag-deudas-es-es","tag-libre-de-deudas","tag-podcast","tag-salir-de-deudas"],"jetpack_featured_media_url":"","jetpack_sharing_enabled":true,"_links":{"self":[{"href":"https:\/\/www.figueroafinancial.com\/es\/wp-json\/wp\/v2\/posts\/11934","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.figueroafinancial.com\/es\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.figueroafinancial.com\/es\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.figueroafinancial.com\/es\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/www.figueroafinancial.com\/es\/wp-json\/wp\/v2\/comments?post=11934"}],"version-history":[{"count":5,"href":"https:\/\/www.figueroafinancial.com\/es\/wp-json\/wp\/v2\/posts\/11934\/revisions"}],"predecessor-version":[{"id":11940,"href":"https:\/\/www.figueroafinancial.com\/es\/wp-json\/wp\/v2\/posts\/11934\/revisions\/11940"}],"wp:attachment":[{"href":"https:\/\/www.figueroafinancial.com\/es\/wp-json\/wp\/v2\/media?parent=11934"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.figueroafinancial.com\/es\/wp-json\/wp\/v2\/categories?post=11934"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.figueroafinancial.com\/es\/wp-json\/wp\/v2\/tags?post=11934"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}