{"id":2543,"date":"2017-03-02T16:04:15","date_gmt":"2017-03-02T16:04:15","guid":{"rendered":"https:\/\/old.mybscu.org\/?p=2543"},"modified":"2017-03-02T16:41:12","modified_gmt":"2017-03-02T16:41:12","slug":"what-is-the-503020-rule","status":"publish","type":"post","link":"https:\/\/old.mybscu.org\/es\/what-is-the-503020-rule\/","title":{"rendered":"\u00bfQu\u00e9 es la regla 50\/30\/20?"},"content":{"rendered":"<p>La regla 50\/30\/20 es la forma m\u00e1s sencilla de crear un presupuesto. Te ayuda a mantener tus gastos alineados con tus objetivos de ahorro. Es muy conveniente, especialmente si es la primera vez que intentas organizar tus finanzas. Una vez que sepas c\u00f3mo lograr un presupuesto equilibrado, puedes adaptar esta regla a tus gastos y objetivos espec\u00edficos.<\/p>\n<p><strong>50% de sus ingresos se destina a lo esencial<\/strong><\/p>\n<p>Empieza destinando una parte de tus ingresos a cubrir gastos esenciales como el alquiler, los servicios p\u00fablicos, el transporte y la vivienda. Puede que al principio te parezca un poco elevado, pero una vez que lo domines, podr\u00e1s adaptar tu presupuesto a tus necesidades. Por ejemplo, algunas personas viven en zonas con alquileres altos, pero pueden ir andando al trabajo, mientras que otras disfrutan de una vivienda mucho m\u00e1s barata, pero el transporte es mucho m\u00e1s caro.<\/p>\n<p><strong>30% de tus ingresos se destina a tu estilo de vida <\/strong><\/p>\n<p>Tu estilo de vida es importante y, aunque tengas que sacrificar algunos lujos, es necesario darse un gusto de vez en cuando. Por lo tanto, destinas una parte de tus ingresos a gastos personales como viajes, salir a cenar, televisi\u00f3n por cable e incluso caf\u00e9 caro. Si viajas mucho o trabajas fuera de casa, tu plan de celular probablemente sea m\u00e1s una necesidad que un lujo. T\u00fa decides qu\u00e9 art\u00edculos consideras personales y cu\u00e1les debes cancelar.<\/p>\n<p><strong>20% de sus ingresos se destina al ahorro<\/strong><\/p>\n<p>El \u00faltimo paso es destinar 20% de tus ingresos a ahorros. Esto es para tu futuro, para cualquier imprevisto. Esta es la categor\u00eda en la que debes pensar despu\u00e9s de lo esencial y antes de cubrir tus gastos de vida. Es tu secci\u00f3n para avanzar y debes darle importancia.<\/p>\n<p>No necesitas ganar mucho dinero para presupuestar correctamente. La regla 50\/30\/20 es solo el principio; la perfeccionar\u00e1s cuando te conviertas en un experto en presupuestos.<\/p>","protected":false},"excerpt":{"rendered":"The 50\/30\/20 Rule is the simplest way to create a budget. It helps you keep your spending aligned with your [&hellip;]"},"author":4,"featured_media":0,"comment_status":"open","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[21,26],"tags":[],"class_list":["post-2543","post","type-post","status-publish","format-standard","hentry","category-budget","category-saving"],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v26.4 (Yoast SEO v26.4) - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>What is the 50\/30\/20 Rule? - BrightStar Credit Union<\/title>\n<meta name=\"robots\" content=\"noindex, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<meta property=\"og:locale\" content=\"es_ES\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"What is the 50\/30\/20 Rule?\" \/>\n<meta property=\"og:description\" content=\"The 50\/30\/20 Rule is the simplest way to create a budget. 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