{"id":5771,"date":"2018-07-11T10:13:11","date_gmt":"2018-07-11T15:13:11","guid":{"rendered":"https:\/\/old.mybscu.org\/?p=5771"},"modified":"2018-07-11T10:13:26","modified_gmt":"2018-07-11T15:13:26","slug":"how-to-adjust-your-savings-when-your-income-changes","status":"publish","type":"post","link":"https:\/\/old.mybscu.org\/es\/how-to-adjust-your-savings-when-your-income-changes\/","title":{"rendered":"C\u00f3mo ajustar sus ahorros cuando sus ingresos cambian"},"content":{"rendered":"

\"\"<\/p>\n

\u00bfAlguna vez has escuchado la frase \u201cCuanto m\u00e1s ganas, m\u00e1s gastas\u201d? Si tienes y vives seg\u00fan este mantra, \u00a1lo est\u00e1s haciendo mal!<\/p>\n

Un aumento en sus ingresos no significa que usted necesita aumentar su lista de compras, significa que usted necesita aumentar sus ahorros.<\/p>\n

B\u00e1sicamente, si has estado ganando con $45,000 al a\u00f1o, has estado pagando el alquiler o la hipoteca y pagando tus facturas a tiempo, no hay necesidad de aumentar tus gastos. No estamos diciendo que no puedas darte un capricho de vez en cuando. Sin embargo, debes tomar decisiones inteligentes y ser consciente de que un fondo de emergencia grande es importante y puede ayudarte cuando m\u00e1s lo necesites.<\/p>\n

Tenga en cuenta los siguientes consejos si va a recibir un aumento pronto:<\/p>\n

    \n
  1. No gastes m\u00e1s<\/strong><\/li>\n<\/ol>\n

    Si ganas un aumento o un bono, \u00a1felicitaciones, lo mereces!
    \nTen cuidado, la mayor\u00eda de la gente cae en un c\u00edrculo vicioso de gastos sin dinero ahorrado para el futuro. Analiza tus metas, prep\u00e1rate para gastos inesperados y vive c\u00f3modamente sin exceder tus posibilidades.<\/p>\n

      \n
    1. Haga crecer o cree un fondo de emergencia.<\/strong><\/li>\n<\/ol>\n

      Tu fondo de emergencia debe cubrir al menos tres meses de gastos. Un buen fondo de emergencia cubre f\u00e1cilmente seis meses de gastos. \u00a1Prop\u00f3nlo como objetivo! No uses estos fondos para vacaciones, una boda ni para tiempo libre. Un fondo de emergencia, como su nombre indica, es solo para emergencias. Por ejemplo, puedes usarlo para una factura inesperada del hospital, problemas con el auto o la p\u00e9rdida del trabajo.<\/p>\n

        \n
      1. Crea una cuenta de ahorros separada y realiza la transferencia de fondos autom\u00e1ticamente<\/strong><\/li>\n<\/ol>\n

        Si no lo ves, no necesitas gastarlo. Adem\u00e1s, si tus ingresos disminuyen, tus ahorros deber\u00edan ayudarte a salir adelante. Una cuenta de ahorros BrightStar es completamente GRATIS<\/strong> <\/a>y no requiere un m\u00ednimo cuando se combina con un Cuenta Corriente GRATIS<\/strong><\/a>\u00bfQu\u00e9 mejor manera que ahorrar dinero en una cooperativa de cr\u00e9dito confiable?<\/p>\n

        No olvidemos lo esencial: ahorrar, vivir con moderaci\u00f3n y planificar en consecuencia.<\/p>","protected":false},"excerpt":{"rendered":"\u00bfAlguna vez has escuchado la frase \u201cCuanto m\u00e1s ganas, m\u00e1s gastas\u201d? Si tienes y vives seg\u00fan [\u2026]"},"author":4,"featured_media":5773,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[21,33,43,29,37,26,16],"tags":[],"class_list":["post-5771","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-budget","category-financial-decisions","category-investment","category-make-money","category-organized","category-saving","category-shopping"],"yoast_head":"\nHow to Adjust Your Savings When Your Income Changes - 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=\"How to Adjust Your Savings When Your Income Changes\" \/>\n<meta property=\"og:description\" content=\"Have you ever heard the phrase \u201cThe more you make, the more you spend\u201d If you have and live by […]\" \/>\n<meta property=\"og:url\" content=\"https:\/\/old.mybscu.org\/es\/how-to-adjust-your-savings-when-your-income-changes\/\" \/>\n<meta property=\"og:site_name\" content=\"BrightStar Credit Union\" \/>\n<meta property=\"article:publisher\" content=\"https:\/\/www.facebook.com\/BrightStarCU\/\" \/>\n<meta property=\"article:published_time\" content=\"2018-07-11T15:13:11+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2018-07-11T15:13:26+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/old.mybscu.org\/wp-content\/uploads\/2018\/07\/Saving-more-Money.jpg\" \/>\n\t<meta property=\"og:image:width\" content=\"350\" \/>\n\t<meta property=\"og:image:height\" content=\"234\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/jpeg\" \/>\n<meta name=\"author\" content=\"Sara Moyer\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:label1\" content=\"Escrito por\" \/>\n\t<meta name=\"twitter:data1\" content=\"Sara Moyer\" \/>\n\t<meta name=\"twitter:label2\" content=\"Tiempo de lectura\" \/>\n\t<meta name=\"twitter:data2\" content=\"2 minutos\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\/\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\/\/old.mybscu.org\/how-to-adjust-your-savings-when-your-income-changes\/#article\",\"isPartOf\":{\"@id\":\"https:\/\/old.mybscu.org\/how-to-adjust-your-savings-when-your-income-changes\/\"},\"author\":{\"name\":\"Sara Moyer\",\"@id\":\"https:\/\/old.mybscu.org\/#\/schema\/person\/52aa5a4fa54d9d6a60a743282e52fb11\"},\"headline\":\"How to Adjust Your Savings When Your Income Changes\",\"datePublished\":\"2018-07-11T15:13:11+00:00\",\"dateModified\":\"2018-07-11T15:13:26+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\/\/old.mybscu.org\/how-to-adjust-your-savings-when-your-income-changes\/\"},\"wordCount\":370,\"publisher\":{\"@id\":\"https:\/\/old.mybscu.org\/#organization\"},\"image\":{\"@id\":\"https:\/\/old.mybscu.org\/how-to-adjust-your-savings-when-your-income-changes\/#primaryimage\"},\"thumbnailUrl\":\"https:\/\/old.mybscu.org\/wp-content\/uploads\/2018\/07\/Saving-more-Money.jpg\",\"articleSection\":[\"Budget\",\"Financial Decisions\",\"Investment\",\"Make Money\",\"Organized\",\"Saving\",\"Shopping\"],\"inLanguage\":\"es\"},{\"@type\":\"WebPage\",\"@id\":\"https:\/\/old.mybscu.org\/how-to-adjust-your-savings-when-your-income-changes\/\",\"url\":\"https:\/\/old.mybscu.org\/how-to-adjust-your-savings-when-your-income-changes\/\",\"name\":\"How to Adjust Your Savings When Your Income Changes - 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