{"id":12377,"date":"2015-04-19T17:05:54","date_gmt":"2015-04-19T22:05:54","guid":{"rendered":"http:\/\/www.figueroafinancial.com\/?p=12377"},"modified":"2015-04-19T16:48:13","modified_gmt":"2015-04-19T21:48:13","slug":"el-presupuesto-es-la-clave","status":"publish","type":"post","link":"https:\/\/www.figueroafinancial.com\/es\/2015\/04\/19\/el-presupuesto-es-la-clave\/","title":{"rendered":"El Presupuesto es la Clave"},"content":{"rendered":"<p><a href=\"http:\/\/www.figueroafinancial.com\/wp-content\/uploads\/2015\/04\/El-Presupuesto-es-la-Clave.jpg\"><img loading=\"lazy\" decoding=\"async\" class=\"alignleft  wp-image-12394\" src=\"http:\/\/www.figueroafinancial.com\/wp-content\/uploads\/2015\/04\/El-Presupuesto-es-la-Clave.jpg\" alt=\"El Presupuesto es la clave\" width=\"217\" height=\"294\" srcset=\"https:\/\/www.figueroafinancial.com\/wp-content\/uploads\/2015\/04\/El-Presupuesto-es-la-Clave.jpg 375w, https:\/\/www.figueroafinancial.com\/wp-content\/uploads\/2015\/04\/El-Presupuesto-es-la-Clave-221x300.jpg 221w\" sizes=\"auto, (max-width: 217px) 100vw, 217px\" \/><\/a>Si me preguntaras cu\u00e1l es el ingrediente clave para el \u00e9xito financiero, yo te dir\u00eda lo mismo que le he dicho a todo el mundo desde 2008, cuando terminamos de pagar nuestra deudas de consumidor:<\/p>\n<p style=\"text-align: center;\"><span style=\"color: #008000;\"><em><strong>La respuesta es que hay que aprender a vivir en un presupuesto mensual de base cero.<\/strong><\/em><\/span><\/p>\n<p>Esto significa que cada mes antes de que el mes comience, vas a hacer una lista de todos tus ingresos en una columna, y en la otra columna vas a asignar cada d\u00f3lar disponible a una categor\u00eda.<\/p>\n<p>En tu hoja de presupuesto, la ecuaci\u00f3n de los ingresos totales &#8211; gastos totales debe ser igual a cero.<\/p>\n<p style=\"text-align: center;\"><a title=\"Suscr\u00edbete a mi bolet\u00edn mensual.\" href=\"http:\/\/eepurl.com\/BSIH5\" target=\"_blank\"><img loading=\"lazy\" decoding=\"async\" class=\"aligncenter size-full wp-image-6190\" src=\"http:\/\/www.figueroafinancial.com\/wp-content\/uploads\/2013\/11\/Suscribete-al-Boletin-SM.jpg\" alt=\"Suscribete al Boletin Mensual\" width=\"200\" height=\"36\" \/><\/a><\/p>\n<p>Esto es lo que pasar\u00e1 cuando comiences a vivir con un presupuesto mensual:<\/p>\n<ul>\n<li>Ser\u00e1s capaz de <span style=\"color: #008000;\"><em><strong>decir a d\u00f3nde va tu dinero<\/strong><\/em><\/span> y ser\u00e1s capaz de ver en qu\u00e9 \u00e1reas est\u00e1s gastando de m\u00e1s.<\/li>\n<li>Tendr\u00e1s la informaci\u00f3n necesaria para darle nueva <span style=\"color: #008000;\"><em><strong>prioridad<\/strong> <\/em><\/span>a tus gastos y poner tus necesidades b\u00e1sicas en primer lugar (alimentos, vivienda \/ utilidades, transporte, vestimenta).<\/li>\n<li>A medida que aprendas y ajustes tus patrones de gasto, puedes comenzar a asignar dinero para <span style=\"color: #008000;\"><em><strong>ahorros<\/strong> <\/em><\/span>de emergencia.<\/li>\n<li>Con tus gastos bajo control, las necesidades b\u00e1sicas cubiertas, y con ahorros para emergencia, puedes empezar a pagar extra en tus <span style=\"color: #008000;\"><em><strong>deudas<\/strong><\/em><\/span> de consumidor.<\/li>\n<li>Cuando pagues tus deudas de consumidor, puedes empezar a trabajar en el ahorro para el <span style=\"color: #008000;\"><em><strong>retiro<\/strong> <\/em><\/span>y los gastos universitarios de tus hijos.<\/li>\n<\/ul>\n<p style=\"text-align: center;\"><a title=\"Suscr\u00edbete a art\u00edculos futuros de Figueroa Financial via e-mail.\" href=\"http:\/\/feedburner.google.com\/fb\/a\/mailverify?uri=figueroafinancial\/uNPR&amp;amp;loc=es_ES\" target=\"_blank\"><img loading=\"lazy\" decoding=\"async\" class=\"aligncenter size-full wp-image-6209\" src=\"http:\/\/www.figueroafinancial.com\/wp-content\/uploads\/2013\/11\/Suscribete-a-Articulos-CTA-SM1.jpg\" alt=\"Suscribete a Articulos de Figueroa Financial\" width=\"325\" height=\"36\" \/><\/a><\/p>\n<p>Sin un presupuesto funcional, no puedes controlar tu dinero. Si no puedes controlar tu dinero, no puedes ahorrar, no puedes pagar tus deudas, no puedes planificar para el futuro.<\/p>\n<p>Un presupuesto funcional es la llave que abrir\u00e1 la puerta a tu bienestar financiero. Puedes comenzar hoy mismo y te puedo mostrar c\u00f3mo hacerlo.<\/p>\n<p style=\"text-align: center;\"><span style=\"color: #008000;\"><em><strong>\u00abLa econom\u00eda es la mitad de la batalla de la vida, no es tan dif\u00edcil de ganar dinero como es gastarlo bien.\u00bb<\/strong><\/em><\/span><br \/>\n<span style=\"color: #008000;\"><em><strong> Charles H. Spurgeon<\/strong><\/em><\/span><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Sin un presupuesto funcional, no puedes controlar tu dinero. Si no puedes controlar tu dinero, no puedes ahorrar, no puedes pagar tus deudas, no puedes planificar para el futuro.<\/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":[209],"tags":[392,327,412,213],"class_list":["post-12377","post","type-post","status-publish","format-standard","hentry","category-budgeting-es","tag-bienestar-financiero","tag-finanzas-personales","tag-ganando-con-el-dinero-2","tag-presupuesto-es"],"jetpack_featured_media_url":"","jetpack_sharing_enabled":true,"_links":{"self":[{"href":"https:\/\/www.figueroafinancial.com\/es\/wp-json\/wp\/v2\/posts\/12377","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=12377"}],"version-history":[{"count":4,"href":"https:\/\/www.figueroafinancial.com\/es\/wp-json\/wp\/v2\/posts\/12377\/revisions"}],"predecessor-version":[{"id":12396,"href":"https:\/\/www.figueroafinancial.com\/es\/wp-json\/wp\/v2\/posts\/12377\/revisions\/12396"}],"wp:attachment":[{"href":"https:\/\/www.figueroafinancial.com\/es\/wp-json\/wp\/v2\/media?parent=12377"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.figueroafinancial.com\/es\/wp-json\/wp\/v2\/categories?post=12377"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.figueroafinancial.com\/es\/wp-json\/wp\/v2\/tags?post=12377"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}