{"id":5832,"date":"2013-10-03T07:15:56","date_gmt":"2013-10-03T12:15:56","guid":{"rendered":"http:\/\/www.figueroafinancial.com\/?p=5832"},"modified":"2013-11-29T10:24:17","modified_gmt":"2013-11-29T16:24:17","slug":"5-maneras-de-prevenir-el-cierre-de-tus-finanzas","status":"publish","type":"post","link":"https:\/\/www.figueroafinancial.com\/es\/2013\/10\/03\/5-maneras-de-prevenir-el-cierre-de-tus-finanzas\/","title":{"rendered":"5 Maneras de Prevenir el Cierre de tus Finanzas"},"content":{"rendered":"<p align=\"center\"><i><a href=\"http:\/\/www.figueroafinancial.com\/wp-content\/uploads\/2013\/10\/Washington-Capitol-Building-Money-Cash-SM.jpg\"><img loading=\"lazy\" decoding=\"async\" class=\"size-full wp-image-5823 alignleft\" alt=\"D.C. Shutdown\" src=\"http:\/\/www.figueroafinancial.com\/wp-content\/uploads\/2013\/10\/Washington-Capitol-Building-Money-Cash-SM.jpg\" width=\"175\" height=\"98\" \/><\/a><\/i><\/p>\n<p align=\"center\"><i><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\">Suscr\u00edbete a art\u00edculos futuros de Figueroa Financial via e-mail<\/a><\/i><\/p>\n<p style=\"text-align: left;\" align=\"center\">Esta semana, el ciclo de las noticias en los EE.UU. ha estado dominado por el <i><a href=\"http:\/\/www.foxnews.com\/politics\/2013\/10\/02\/congressional-leaders-meet-with-obama-as-house-weighs-mini-spending-bills\/\">cierre de las operaciones del gobierno federal<\/a><\/i>.<\/p>\n<p style=\"text-align: left;\" align=\"center\">La autorizaci\u00f3n para la financiaci\u00f3n de esas operaciones expir\u00f3 el 30 de septiembre sin un acuerdo entre el Congreso y el Presidente sobre la forma de seguir adelante en el nuevo a\u00f1o fiscal.<\/p>\n<p>El resultado ha sido que las operaciones no esenciales del gobierno se han suspendido, mientras las operaciones cr\u00edticas siguen funcionando. Sin embargo, los 800,000 empleados del gobierno federal que son considerados no esenciales, han sido <i><a href=\"http:\/\/online.wsj.com\/article\/SB10001424052702304373104579107480729687014.html\">enviados a sus casas sin paga<\/a><\/i>.<\/p>\n<p>Si nos fijamos en las estad\u00edsticas financieras recientes, alrededor del <i><a href=\"http:\/\/money.cnn.com\/2013\/06\/24\/pf\/emergency-savings\/index.html\">75% de los hogares<\/a><\/i> viven de cheque de pago a cheque de pago. Esto significa que no podr\u00edan sobrevivir a un largo per\u00edodo de tiempo sin ingresos y tendr\u00edan que depender de las deudas para cubrir los gastos diarios o emergencias.<\/p>\n<p>El cierre del gobierno es s\u00f3lo un ejemplo de la p\u00e9rdida de ingresos. Tambi\u00e9n podr\u00edas experimentar una situaci\u00f3n de enfermedad o familiar que le impide trabajar durante mucho tiempo. \u00bfQu\u00e9 har\u00edas t\u00fa?<\/p>\n<p>Aqu\u00ed hay\u00a0<span style=\"color: #008000;\"><strong><i>5 Maneras de Prevenir el Cierre de Tus Finanzas<\/i><\/strong><\/span>:<\/p>\n<p>1. Vive dentro de un <i><a href=\"http:\/\/www.figueroafinancial.com\/es\/2013\/09\/18\/la-receta-para-un-gran-presupuesto\/\">presupuesto<\/a><\/i> para que puedas maximizar tus ingresos y tomar el control de sus gastos.<\/p>\n<p>2. Dale prioridad a tus gastos y enf\u00f3cate primero en las <i><a href=\"http:\/\/www.figueroafinancial.com\/2012\/09\/23\/prioridades-presupuestarias-protegiendo-las-cuatro-paredes\/\">4 paredes<\/a><\/i>: alimentaci\u00f3n, vivienda, transporte y ropa.<\/p>\n<p>3. <i><a href=\"http:\/\/www.figueroafinancial.com\/2013\/01\/15\/sal-de-las-deudas-con-el-proceso-de-la-bola-de-nieve\/\">Elimina las deudas del consumidor<\/a><\/i>. En el caso de una p\u00e9rdida de ingresos, lo \u00faltimo que necesitas es la preocupaci\u00f3n sobre las tarjetas de cr\u00e9dito o los pr\u00e9stamos para autom\u00f3viles. Si tienes los elementos b\u00e1sicos cubiertos, otras cosas no esenciales pueden esperar.<\/p>\n<p>4. Crea una <i><a href=\"http:\/\/www.figueroafinancial.com\/2012\/08\/20\/el-remedio-para-la-enfermedad-de-las-deudas-aprender-a-ahorrar-dinero\/\">reserva de emergencia<\/a><\/i> para que puedas cubrir 6 meses de gastos. D\u00e1te un amortiguador para que puedas absorber la p\u00e9rdida de ingresos.<\/p>\n<p>5. Aseg\u00farate de que tienes un <i><a href=\"http:\/\/www.figueroafinancial.com\/2012\/11\/26\/reduciendo-el-riesgo-de-tu-plan-financiero-7-tipos-de-seguros-requeridos\/\">seguro de incapacidad a largo plazo.<\/a><\/i> Este es el tipo de seguro que va a reemplazar tu ingreso si pierdes tu trabajo durante un per\u00edodo prolongado de tiempo.<\/p>\n<p align=\"center\"><span style=\"color: #008000;\"><strong><i>Pregunta: \u00bfC\u00f3mo <strong><i>manejar\u00edas\u00a0<\/i><\/strong> la p\u00e9rdida de ingresos durante un per\u00edodo prolongado de tiempo?<\/i><\/strong><\/span><\/p>\n<p align=\"center\"><i><a href=\"http:\/\/ow.ly\/lIkty\">Suscr\u00edbete a nuestro bolet\u00edn mensual<\/a><\/i><\/p>\n","protected":false},"excerpt":{"rendered":"<p>El cierre del gobierno es s\u00f3lo un ejemplo de la p\u00e9rdida de ingresos. Tambi\u00e9n podr\u00edas experimentar una situaci\u00f3n de enfermedad o familiar que le impide trabajar durante mucho tiempo. \u00bfQu\u00e9 har\u00edas t\u00fa?<\/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":[219,209],"tags":[212,332,245,217,331,213],"class_list":["post-5832","post","type-post","status-publish","format-standard","hentry","category-ahorros-es","category-budgeting-es","tag-ahorros-2","tag-cierre","tag-cuatro-paredes-es","tag-deudas-es-es","tag-perdida-de-ingreso","tag-presupuesto-es"],"jetpack_featured_media_url":"","jetpack_sharing_enabled":true,"_links":{"self":[{"href":"https:\/\/www.figueroafinancial.com\/es\/wp-json\/wp\/v2\/posts\/5832","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=5832"}],"version-history":[{"count":5,"href":"https:\/\/www.figueroafinancial.com\/es\/wp-json\/wp\/v2\/posts\/5832\/revisions"}],"predecessor-version":[{"id":6237,"href":"https:\/\/www.figueroafinancial.com\/es\/wp-json\/wp\/v2\/posts\/5832\/revisions\/6237"}],"wp:attachment":[{"href":"https:\/\/www.figueroafinancial.com\/es\/wp-json\/wp\/v2\/media?parent=5832"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.figueroafinancial.com\/es\/wp-json\/wp\/v2\/categories?post=5832"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.figueroafinancial.com\/es\/wp-json\/wp\/v2\/tags?post=5832"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}