{"id":7813,"date":"2014-07-22T10:30:07","date_gmt":"2014-07-22T15:30:07","guid":{"rendered":"http:\/\/www.figueroafinancial.com\/?p=7813"},"modified":"2014-07-22T07:27:01","modified_gmt":"2014-07-22T12:27:01","slug":"por-que-seguimos-endeudados","status":"publish","type":"post","link":"https:\/\/www.figueroafinancial.com\/es\/2014\/07\/22\/por-que-seguimos-endeudados\/","title":{"rendered":"\u00bfPor Qu\u00e9 Seguimos Endeudados?"},"content":{"rendered":"<!--powerpress_player--><div class=\"powerpress_player\" id=\"powerpress_player_4315\"><audio class=\"wp-audio-shortcode\" id=\"audio-7813-1\" 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\/07\/Podcast-Jul-23-2014.mp3?_=1\" \/><a href=\"http:\/\/media.blubrry.com\/ayuda_y_esperanza\/www.figueroafinancial.com\/wp-content\/uploads\/2014\/07\/Podcast-Jul-23-2014.mp3\">http:\/\/media.blubrry.com\/ayuda_y_esperanza\/www.figueroafinancial.com\/wp-content\/uploads\/2014\/07\/Podcast-Jul-23-2014.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\/07\/Podcast-Jul-23-2014.mp3\" class=\"powerpress_link_pinw\" target=\"_blank\" title=\"Reproducir en una nueva ventana\" onclick=\"return powerpress_pinw('https:\/\/www.figueroafinancial.com\/es\/\/?powerpress_pinw=7813-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\/07\/Podcast-Jul-23-2014.mp3\" class=\"powerpress_link_d\" title=\"Descargar\" rel=\"nofollow\" download=\"Podcast-Jul-23-2014.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\/07\/Podcast-Seguimos-Endeudados.jpg\"><img loading=\"lazy\" decoding=\"async\" class=\"alignleft  wp-image-7816\" src=\"http:\/\/www.figueroafinancial.com\/wp-content\/uploads\/2014\/07\/Podcast-Seguimos-Endeudados.jpg\" alt=\"\u00bfPor Qu\u00e9 Seguimos Endeudados?\" width=\"273\" height=\"208\" \/><\/a>\u00a1Bienvenidos al episodio\u00a0<span style=\"color: #008000;\"><strong>#43<\/strong><\/span>\u00a0del Podcast \u201c<span style=\"color: #008000;\"><strong><em>Ayuda y Esperanza para Tus Finanzas<\/em><\/strong><\/span>\u201d!<\/p>\n<p>Hoy vamos a empezar con un pop quiz: \u00bfQu\u00e9 es mejor, tener un mont\u00f3n de deudas o estar completamente libre de deudas?<\/p>\n<p>No es complicado \u00bfcierto?<\/p>\n<p>Vivir\u00a0<span style=\"color: #008000;\"><strong><em>libre de deudas<\/em><\/strong><\/span>\u00a0es la mejor manera de vivir.<\/p>\n<p>Lo cual plantea la pregunta:\u00a0<span style=\"color: #008000;\"><strong><em>\u00bfpor qu\u00e9 seguimos endeudados?<\/em><\/strong><\/span><\/p>\n<p>En el 1Q del 2014, la\u00a0deuda de consumidor (tarjetas de cr\u00e9dito, pr\u00e9stamos de auto, pr\u00e9stamos estudiantiles, etc.) ascendi\u00f3 al total de aproximadamente <span style=\"color: #ff0000;\"><strong>$3.5T<\/strong><\/span>.<\/p>\n<ul>\n<li>\u00bfPor qu\u00e9 seguimos manteniendo un balance en nuestras tarjetas de cr\u00e9dito? <span style=\"color: #ff0000;\"><strong>$659B<\/strong><\/span> en balance total. Balance promedio de <span style=\"color: #ff0000;\"><strong>$15K<\/strong><\/span>.<\/li>\n<li>\u00bfPor qu\u00e9 seguimos tomando pr\u00e9stamos de auto o de arrendamientos de autom\u00f3viles? <span style=\"color: #ff0000;\"><strong>$875B<\/strong> <\/span>con un pago mensual promedio de <span style=\"color: #ff0000;\"><strong>$400-500<\/strong><\/span>.<\/li>\n<li>\u00bfPor qu\u00e9 suponemos que la \u00fanica manera de obtener un t\u00edtulo universitario es comprometerse con miles de d\u00f3lares en pr\u00e9stamos estudiantiles? Deuda promedio de <span style=\"color: #ff0000;\"><strong>$25K<\/strong><\/span> y deuda total de <span style=\"color: #ff0000;\"><strong>$1.1T<\/strong><\/span>.<\/li>\n<\/ul>\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>Hoy quiero darte las 3 razones principales por las que\u00a0<span style=\"color: #008000;\"><strong><em>seguimos endeudados<\/em><\/strong><\/span>:<\/p>\n<ol>\n<li>Aceptamos la Cultura de Deudas<\/li>\n<li>No Estamos Dispuestos a hacer el Sacrificio<\/li>\n<li>Hemos Perdido la Esperanza<\/li>\n<\/ol>\n<p>\u00bfQuieres saber un secreto? No tiene por qu\u00e9 ser as\u00ed. No tienes que aceptar la cultura de las deudas, s\u00ed puedes sacrificar, y s\u00ed puedes tener ma\u00f1ana mejor.<\/p>\n<p>S\u00e9 que es as\u00ed porque\u00a0<em><a href=\"http:\/\/www.figueroafinancial.com\/es\/acerca-de\/\">yo sol\u00eda estar en deudas y en una angustia financiera profunda<\/a><\/em>.<\/p>\n<p>Pero yo ya no estoy en esa posici\u00f3n. S\u00e9 que la situaci\u00f3n puede mejorar y s\u00e9 que no tienes que estar lleno de deudas.<\/p>\n<p style=\"text-align: center;\"><em><a href=\"http:\/\/www.figueroafinancial.com\/es\/contratame\/coaching-financiero\/\">\u00a1Yo puedo ayudarte, s\u00f3lo dime cuando!<\/a><\/em><\/p>\n<h2>Recursos Adicionales<\/h2>\n<ul>\n<li>Art\u00edculo: <a href=\"http:\/\/www.figueroafinancial.com\/es\/2014\/06\/15\/cuando-voy-a-salir-de-las-deudas\/\">\u00bfCu\u00e1ndo Voy a Salir de las Deudas?<\/a><\/li>\n<li>Art\u00edculo: <a href=\"http:\/\/www.figueroafinancial.com\/es\/acerca-de\/\">Mi Historia<\/a><\/li>\n<li>Referencia: <a href=\"http:\/\/www.figueroafinancial.com\/es\/contratame\/coaching-financiero\/\">Coaching Financiero<\/a><\/li>\n<\/ul>\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<p style=\"text-align: center;\"><span style=\"color: #008000;\"><strong><em>\u201cNunca gastes tu dinero antes de tenerlo.\u201d<br \/>\n<\/em><\/strong><strong><em>Thomas Jefferson, 3er Presidente de los Estados Unidos de Am\u00e9rica<\/em><\/strong><\/span><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Vivir libre de deudas es la mejor manera de vivir. Lo cual plantea la pregunta: \u00bfpor qu\u00e9 seguimos endeudados?<\/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":[217,326,265,266,228],"class_list":["post-7813","post","type-post","status-publish","format-standard","hentry","category-deudas-es","category-podcast-2","tag-deudas-es-es","tag-podcast","tag-prestamos-de-auto-es","tag-prestamos-estudiantiles-es","tag-tarjetas-de-credito-es"],"jetpack_featured_media_url":"","jetpack_sharing_enabled":true,"_links":{"self":[{"href":"https:\/\/www.figueroafinancial.com\/es\/wp-json\/wp\/v2\/posts\/7813","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=7813"}],"version-history":[{"count":7,"href":"https:\/\/www.figueroafinancial.com\/es\/wp-json\/wp\/v2\/posts\/7813\/revisions"}],"predecessor-version":[{"id":7824,"href":"https:\/\/www.figueroafinancial.com\/es\/wp-json\/wp\/v2\/posts\/7813\/revisions\/7824"}],"wp:attachment":[{"href":"https:\/\/www.figueroafinancial.com\/es\/wp-json\/wp\/v2\/media?parent=7813"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.figueroafinancial.com\/es\/wp-json\/wp\/v2\/categories?post=7813"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.figueroafinancial.com\/es\/wp-json\/wp\/v2\/tags?post=7813"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}