{"id":28162,"date":"2021-12-16T09:42:17","date_gmt":"2021-12-16T08:42:17","guid":{"rendered":"https:\/\/www.surveyeah.com\/apartar-dinero-o-gastar-menos\/"},"modified":"2022-08-26T13:12:09","modified_gmt":"2022-08-26T11:12:09","slug":"ahorrar-dinero-o-gastar-menos","status":"publish","type":"post","link":"https:\/\/www.surveyeah.com\/es\/ahorrar-dinero-o-gastar-menos\/","title":{"rendered":"\u00bfApartar dinero o gastar menos? Los trucos para ahorrar"},"content":{"rendered":"\n<h2 class=\"wp-block-heading\">Asesoramiento en la gesti\u00f3n de gastos y ahorros.<\/h2>\n\n\n\n<p>En un art\u00edculo de hace un tiempo, un hombre aseguraba poder ahorrar 18.000 euros al a\u00f1o; haciendo los c\u00e1lculos, era \u00absimplemente\u00bb apartar 50 \u20ac por d\u00eda.<\/p>\n\n\n\n<p>Bastante improbable, \u00bfverdad? \u00a1Nunca conf\u00edes en los grandes d\u00f3lares! \u00a1Nunca conf\u00edes en las grandes figuras!<\/p>\n\n\n\n<p>Sin embargo, pens\u00e1ndolo bien, hay una verdad subyacente. Al ahorrar gradualmente peque\u00f1as sumas de dinero, en realidad puedes apartar sumas m\u00e1s grandes, que puedes usar para hacer algo que siempre hemos querido; puedes invertir, puedes darte un capricho, o incluso puedes mantenerlos en \u201cstand-by\u201d, una almohada blanda por si ocurren futuras ca\u00eddas.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>Ahorrar apartando dinero<\/strong><\/h3>\n\n\n\n<p>Ahora bien, 50 \u20ac al d\u00eda es quiz\u00e1s demasiado, no todo el mundo se lo puede permitir; 18.000 \u20ac al a\u00f1o es pr\u00e1cticamente la base de una renta. Puedes respirar tranquilo, no te estamos pidiendo que revoluciones tu vida; m\u00e1s bien, te sugerimos algunos peque\u00f1os <strong>trucos para empezar a ahorrar algo.<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\"><li><a href=\"https:\/\/www.helpmycash.com\/blog\/cuanto-puedes-ahorrar-si-dejas-de-fumar-hoy\/\">Si eres fumador,<\/a> ya te habr\u00e1n dicho que dejes de fumar por tu salud; si eso no es suficiente, sugerimos otro c\u00e1lculo. Partimos de una hip\u00f3tesis optimista, supongamos que fumas medio paquete de cigarrillos al d\u00eda y que un paquete cuesta 5 \u20ac. Esto es 75 \u20ac al mes, lo que <strong>equivale a 900 \u20ac al a\u00f1o<\/strong> (\u00a1y fuimos indulgentes!). Dejar de fumar tambi\u00e9n es una ganancia econ\u00f3mica, \u00bfno crees?<\/li><li><a href=\"https:\/\/www.bankinter.com\/blog\/finanzas-personales\/metodo-ahorro-reto-52semanas\">La base del ahorro<\/a> consiste en asociar una determinada suma a <strong>cada semana del a\u00f1o<\/strong> y apartarla. Depende de ti decidir cu\u00e1nto quieres ahorrar, tambi\u00e9n en funci\u00f3n de tus habilidades.<\/li><li><strong>No te prives necesariamente de los peque\u00f1os encantos de cada d\u00eda<\/strong>, sino util\u00edzalos como una oportunidad para ahorrar. Por ejemplo, si deseas tomar un caf\u00e9 en el bar, <strong>coloque el equivalente<\/strong> en efectivo en un fondo de ahorro (o simplemente en un frasco). Te habr\u00e1s tomado tu caf\u00e9, pero tambi\u00e9n te habr\u00e1s ahorrado 1 \u20ac. Intenta aplicarlo todo el tiempo y al final terminar\u00e1s con un buen ahorro.<\/li><li><strong>La regla 50\/30\/20:<\/strong> este es un consejo interesante sobre c\u00f3mo <a href=\"https:\/\/www.wikyinfo.com\/2021\/08\/como-gestionar-tu-dinero-con-la-regla-50-30-20.html\">administrar tu presupuesto<\/a>. La idea es dividir tu salario en: 50 % para necesidades, 30 % para las cosas que te gusta hacer, 20 % para ahorros. Los porcentajes se pueden personalizar seg\u00fan tus necesidades, optando, por ejemplo, por un 60\/20\/20 o un 50\/20\/30.<\/li><\/ul>\n\n\n\n<p>La sugerencia es hacer una inversi\u00f3n inicial en una <strong>alcanc\u00eda.<\/strong> Verlo llenarse y volverse pesado lo estimular\u00e1 a seguir ahorrando de manera constante y regular. La curiosidad crecer\u00e1 y al final, cuando abras la alcanc\u00eda, encontrar\u00e1s no solo mucho dinero, sino tambi\u00e9n mucha satisfacci\u00f3n.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>Ahorrar dinero comprando<\/strong><\/h3>\n\n\n\n<p>Ahorrar no significa necesariamente apartar dinero, sino tambi\u00e9n tratar de <strong>gastar menos.<\/strong> Si tiene en cuenta nuestras precauciones en sus acciones diarias, evitar\u00e1 gastar dinero innecesariamente.<\/p>\n\n\n\n<p>Obviamente, el resultado de gastar menos no ser\u00e1 una alcanc\u00eda llena, sino una mayor capacidad de compra a largo plazo.<\/p>\n\n\n\n<ul class=\"wp-block-list\"><li>Establecer <a href=\"https:\/\/bettermoneyhabits.bankofamerica.com\/es\/saving-budgeting\/ways-to-save-money\">un presupuesto m\u00e1ximo de gasto:<\/a> la regla es no excederlo. Siguiendo este consejo tambi\u00e9n podr\u00e1s r<strong>econocer qu\u00e9 compras son realmente necesarias<\/strong> y cu\u00e1les son superfluas.<\/li><li><strong>Regla de las 24 horas.<\/strong> Especialmente cuando compres en l\u00ednea, pi\u00e9nsalo durante al menos un d\u00eda completo. Evitar\u00e1s comprar <a href=\"https:\/\/es.wikipedia.org\/wiki\/Compra_por_impulso\">cosas f\u00fatiles<\/a> por impulso.<\/li><li>\u00bfTus compromisos te llevan a comer fuera de casa con frecuencia? <a href=\"https:\/\/www.directoalpaladar.com\/directo-al-paladar\/las-15-recetas-rapidas-y-faciles-para-llevar-al-trabajo\"><strong>\u00a1Ll\u00e9vate el almuerzo de casa!<\/strong><\/a> Salir a cenar supone un gasto anual muy elevado; adem\u00e1s, al hacer tus raciones, contribuir\u00e1s a que se desperdicien menos alimentos.<\/li><li>Cuando <a href=\"https:\/\/www.diariodenavarra.es\/noticias\/navarra\/compra_debe_hacer_con_lista_con_estomago_lleno.html\">vas de compras<\/a>, ve con <strong>el est\u00f3mago lleno<\/strong>; estar\u00e1s menos tentado a tomar golosinas de glotoner\u00eda. Adem\u00e1s, si planifica sus comidas primero y hace una lista, podr\u00e1 mantener los costos bajos.<\/li><li>Siempre en el supermercado, presta atenci\u00f3n no al precio escrito en letras grandes debajo de los distintos productos, sino al precio m\u00e1s peque\u00f1o, <strong>el del kilo<\/strong>; solo as\u00ed podr\u00e1s entender realmente si est\u00e1s ahorrando comprando una cosa en lugar de otra.<\/li><li>Cuando necesites algo, antes de comprarlo, <strong>comprueba que no lo tienes<\/strong> ya en casa. Si no lo tienes, pero tienes las <a href=\"https:\/\/www.11onze.cat\/es\/magazine\/trucos-obras-casa-hazlo-tu-mismo\/\">herramientas para crearlo, intenta hacerlo tu mismo<\/a> Adem\u00e1s, no olvides echar un ojo a los mercadillos: \u00a1nunca se sabe!<\/li><\/ul>\n\n\n\n<p><strong>Leer m\u00e1s<\/strong>: <a href=\"https:\/\/www.surveyeah.com\/es\/evita-despilfarro-y-ahorra-con-nuestros-consejos\/\">Evita el despilfarro y ahorra con nuestros consejos.<\/a><\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>\u00a1Gana dinero en l\u00ednea para redondear!<\/strong><\/h3>\n\n\n\n<p><br>\u00bfTe gustar\u00eda tener unos ingresos extra? Hay muchas formas de ganar dinero en l\u00ednea, desde <a href=\"https:\/\/www.surveyeah.com\/es\/5-ideas-de-negocio-para-empezar-con-cero-presupuesto\/\">iniciar su propio negocio<\/a> hasta las formas m\u00e1s <a href=\"https:\/\/www.surveyeah.com\/guadagni-bizzarri-e-dove-trovarli\/\">extra\u00f1as<\/a>.<\/p>\n\n\n\n<p>Para obtener algo de dinero extra de manera f\u00e1cil y segura, <a href=\"https:\/\/panel.surveyeah.com\/es\/login\/country_select?\">\u00a1reg\u00edstrese en Surveyeah!<\/a> Complete encuestas y <a href=\"https:\/\/www.surveyeah.com\/es\/como-maximizar-la-ganancia-con-las-encuestas-pagadas-online\/\">maximice las ganancias<\/a>. \u00a1Descubrir\u00e1 que ser un panelista puede ser realmente divertido y gratificante!<\/p>\n\n\n\n<p><em>Maria Schembri<\/em><\/p>\n","protected":false},"excerpt":{"rendered":"<p>\u00bfApartar dinero o gastar menos? Los trucos para ahorrar \u00a1Aqu\u00ed est\u00e1 c\u00f3mo hacerlo!<\/p>\n","protected":false},"author":2,"featured_media":9532,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[15],"tags":[2074,956,2073,2078,2076,2075,2072,966,967,2077,968],"class_list":["post-28162","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-novedades","tag-administrar","tag-denaro-es","tag-ganancias","tag-gasto","tag-gastos","tag-limitar","tag-presupuesto","tag-risparmia-es","tag-risparmiare-es","tag-separar-dinero","tag-soldi-2-es"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v27.6 (Yoast SEO v27.6) - https:\/\/yoast.com\/product\/yoast-seo-premium-wordpress\/ -->\n<title>\u00bfApartar dinero o gastar menos? Los trucos para ahorrar - Surveyeah<\/title>\n<meta name=\"description\" content=\"\u00bfAhorrar o gastar menos? 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