{"id":2297,"date":"2019-11-20T17:35:59","date_gmt":"2019-11-21T01:35:59","guid":{"rendered":"https:\/\/blog.turbotax.intuit.com\/es\/?p=2297"},"modified":"2020-06-29T14:56:42","modified_gmt":"2020-06-29T21:56:42","slug":"guia-sobre-fondos-de-emergencia-por-que-todos-deben-tener-uno","status":"publish","type":"post","link":"https:\/\/blog.turbotax.intuit.com\/es\/ingresos-e-inversiones\/guia-sobre-fondos-de-emergencia-por-que-todos-deben-tener-uno-2297\/","title":{"rendered":"Gu\u00eda sobre fondos de emergencia: por qu\u00e9 todos deben tener uno"},"content":{"rendered":"

\u00bfQu\u00e9 har\u00edas si tu auto se descompone y el mec\u00e1nico te dice que el arreglo va a costar $500? M\u00e1s de la mitad de los estadounidenses tienen ahorrados menos de $1,000. Lo que es a\u00fan m\u00e1s alarmante<\/span>\u00a0es que\u00a0<\/span>en una encuesta el 32% de los participantes admitieron no tener ahorros. As\u00ed que, si alguno de ellos recibiera esa factura por el arreglo de su autom\u00f3vil, probablemente afectar\u00eda su presupuesto diario.<\/span>\u00a0<\/span><\/p>\n

Actualmente, millones de estadounidenses viven\u00a0<\/span>de cheque en cheque,<\/span>\u00a0y no\u00a0<\/span>pueden permitirse\u00a0<\/span>ni siquiera<\/span>\u00a0un\u00a0<\/span>contratiempo en su presupuesto. Uno de los problemas m\u00e1s comunes que recibo al hablar sobre ahorros\u00a0<\/span>en\u00a0<\/span>caso de emergencia y otras metas es\u00a0<\/span>el\u00a0<\/span>no tener dinero adicional dentro del presupuesto. Hoy voy a mostrarles c\u00f3mo pueden crear f\u00e1cilmente un fondo de emergencia que podr\u00eda ayudarles a lidiar con posibles situaciones que desestabilizan su presupuesto.<\/span>\u00a0<\/span><\/p>\n

\u00bfCu\u00e1nto d<\/span><\/b>inero d<\/span><\/b>ebo t<\/span><\/b>ener d<\/span><\/b>isponible en m<\/span><\/b>i f<\/span><\/b>ondo de e<\/span><\/b>mergencia?\u202f<\/span><\/b>\u00a0<\/span><\/p>\n

Antes de crear un fondo d<\/span>e emergencia,\u00a0<\/span>determina\u00a0<\/span>cu\u00e1nto dinero\u00a0<\/span>d<\/span>ebes guardar en ese fondo<\/span><\/a>. El consejo t\u00edpico que dan los planificadores y expertos financieros es tener el dinero guardado<\/span>\u00a0para\u00a0<\/span>gastos de\u00a0<\/span>tres a seis meses .<\/span>\u00a0<\/span><\/p>\n

Si sigues\u00a0<\/span>el plan de\u00a0<\/span>peque\u00f1os<\/span>\u00a0pasos\u00a0<\/span>de Dave Ramsey<\/span>, tu fondo de emergencia inicial debe ser de $1,000. Despu\u00e9s de pagar tus deudas, ese fondo debe aumentar para tener ahorrados\u00a0<\/span>gastos<\/span>\u00a0<\/span>de tres a seis mese<\/span>s<\/span>. Tambi\u00e9n puedes incrementar esa cantidad, pero una meta inicial de $1,000 puede ser m\u00e1s f\u00e1cil de alcanzar.<\/span>\u00a0<\/span>\u00a0<\/span><\/p>\n

Ahora que tienes la cantidad que debes ahorrar, es hora de configurar un plan y realizar el seguimiento de tu progreso. Si usas una aplicaci\u00f3n como\u00a0<\/span>Mint<\/span>, puedes usar la funci\u00f3n de\u00a0<\/span>objetivos para agregar la cantidad y realizar el seguimiento de tu progreso. Desde tu escritorio, puedes iniciar sesi\u00f3n en\u00a0<\/span>Mint<\/span>, ir a la pesta\u00f1a de objetivos y elegir un fondo de emergencia. All\u00ed,\u00a0<\/span>Mint<\/span>\u00a0tiene una gu\u00eda pr\u00e1ctica que te ayudar\u00e1 con tus ahorros y te mantendr\u00e1 al d\u00eda con tus metas.<\/span>\u00a0<\/span><\/p>\n

Cinco m<\/span><\/b>aneras de a<\/span><\/b>horrar m<\/span><\/b>\u00e1s d<\/span><\/b>inero para e<\/span><\/b>mergencias<\/span><\/b>\u00a0<\/span><\/h3>\n

Ahora que\u00a0<\/span>planteaste\u00a0<\/span>tu objetivo y tienes tu aplicaci\u00f3n a<\/span>\u00a0la<\/span>\u00a0mano, es hora de empezar a ahorrar. Estas son cinco maneras para que puedas crear tu fondo de emergencia sin\u00a0<\/span>muchos\u00a0<\/span>inconvenientes.<\/span>\u00a0<\/span><\/p>\n

    \n
  1. Convi\u00e9rtete en un\u00a0<\/span><\/b>experto en las compras de supermercado.\u00a0<\/span><\/b>Los alimentos suelen ser el mayor gasto de una persona, y puedes ahorrar una cantidad de dinero significativa si compras los alimentos en el\u00a0<\/span>super<\/span>mercado\u00a0<\/span>en lugar de salir a comer. Cambiar a productos de marca\u00a0<\/span>de la casa<\/span>, comprar productos de\u00a0<\/span>temporada\u00a0<\/span>y usar aplicaciones como\u00a0<\/span>Fetch<\/span>\u00a0e\u00a0<\/span>iBotta<\/span>\u00a0para obtener reembolsos pueden ser formas sencillas de ahorrar dinero para que luego<\/span>\u00a0<\/span>puedas guardarlo en tu fondo de emergencia.<\/span>\u00a0<\/span><\/li>\n
  2. Negocia con tu compa\u00f1\u00eda de cable.<\/span><\/b>\u00a0Puede llevarte 10\u202fminutos, pero descubrimos que realmente vali\u00f3 la pena hablar con nuestro proveedor de\u00a0<\/span>i<\/span>nternet para conseguir una promoci\u00f3n por 6\u202fa\u202f12\u202fmeses. Aunque solo ahorres de $15 a $20 al mes, si miras los ahorros anuales, son de $180 a $240 extra<\/span>s<\/span>.<\/span>\u00a0<\/span><\/li>\n
  3. Cambia el plan de tu tel\u00e9fono m\u00f3vil.<\/span><\/b>\u00a0Con m\u00e1s opciones disponibles, hay formas de poder permanecer en las grandes redes sin pagar precios altos. Pude lograr tener dos l\u00edneas por menos de $50 al mes al cambiar de operadora m\u00f3vil.<\/span>\u00a0<\/span><\/li>\n
  4. Compara precios para el seguro.<\/span><\/b>\u00a0El hecho de que hayas recibido una buena oferta para tu seguro hace a\u00f1os no significa que ahora sea la mejor.\u00a0<\/span>Durante<\/span>\u00a0algunos a\u00f1os, redujimos nuestra factura a la mitad y, un\u00a0<\/span>a\u00f1o obtuvimos<\/span>\u00a0un reembolso por<\/span>\u00a0<\/span>cientos de d\u00f3lares al negociar con nuestra compa\u00f1\u00eda.<\/span>\u00a0<\/span><\/li>\n
  5. Vende tus cosas.\u00a0<\/span><\/b>Ya sea que organices una venta de garaje, publiques art\u00edculos por\u00a0<\/span>i<\/span>nternet\u00a0<\/span>v\u00eda<\/span>\u00a0eBay o los vendas localmente con\u00a0<\/span>Craigslist<\/span>, deshacerte de lo que no quieres o no usas puede liberar espacio en tu hogar y proporcionarte algo de efectivo.<\/span>\u00a0<\/span><\/li>\n<\/ol>\n

    Si a\u00fan no lo\u00a0<\/span>haces<\/span>, intenta abordar estas metas dentro del pr\u00f3ximo mes. Si separas estas tareas y te enfocas en una a la vez, podr\u00e1s lograr un avance\u00a0<\/span>con<\/span>\u00a0tu fondo de emergencia.<\/span>\u00a0<\/span><\/p>\n

    Tu experiencia con los f<\/span><\/b>ondos de e<\/span><\/b>mergencia<\/span><\/b>\u00a0<\/span><\/p>\n

    Espero que estos consejos te hayan facilitado la tarea de comenzar a ahorrar efectivo para tu fondo de emergencia. Me encantar\u00eda empezar a hablar sobre c\u00f3mo convertirnos en\u00a0<\/span>s\u00faper<\/span>\u00a0<\/span>ahorradores, as\u00ed que comparte las ideas que tengas para ahorrar m\u00e1s dinero.<\/span>\u00a0<\/span><\/p>\n","protected":false},"excerpt":{"rendered":"

    \u00bfQu\u00e9 har\u00edas si tu auto se descompone y el mec\u00e1nico te dice que el arreglo va a costar $500? M\u00e1s de la mitad de los estadounidenses tienen ahorrados menos de $1,000. Lo que es a\u00fan m\u00e1s alarmante\u00a0es que\u00a0en una encuesta el 32% de los participantes admitieron no tener ahorros. As\u00ed que, si alguno de ellos<\/p>\n","protected":false},"author":24996389,"featured_media":2298,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"rkv_reviewed_by_select":[],"rkv_browse_by_id":0,"rkv_cta_id":0,"rkv_optimize_for_pagespeed":false,"_jetpack_newsletter_access":"","_jetpack_dont_email_post_to_subs":false,"_jetpack_newsletter_tier_id":0,"_jetpack_memberships_contains_paywalled_content":false,"useModifiedDate":false,"customPublishDate":"","customModifiedDate":"","rkv_show_reading_progress":false,"_jetpack_feature_clip_id":0,"_jetpack_memberships_contains_paid_content":false,"footnotes":"","jetpack_publicize_message":"{title}\n\n{excerpt}\n\n{url}","jetpack_publicize_feature_enabled":true,"jetpack_social_post_already_shared":true,"jetpack_social_options":{"image_generator_settings":{"template":"highway","default_image_id":0,"font":"","enabled":false},"version":2},"_wpas_customize_per_network":false,"jetpack_post_was_ever_published":false},"categories":[26],"tags":[47,239],"intuit_collection":[],"intuit_series":[],"tt_tax_year":[],"coauthors":[],"class_list":["post-2297","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-ingresos-e-inversiones","tag-ahorros","tag-fondo-de-emergencia"],"yoast_head":"\nGu\u00eda sobre fondos de emergencia: por qu\u00e9 todos deben tener uno | TurboTax Blog Espa\u00f1ol<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/blog.turbotax.intuit.com\/es\/ingresos-e-inversiones\/guia-sobre-fondos-de-emergencia-por-que-todos-deben-tener-uno-2297\/\" \/>\n<meta property=\"og:locale\" content=\"es_ES\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Gu\u00eda sobre fondos de emergencia: por qu\u00e9 todos deben tener uno | TurboTax Blog Espa\u00f1ol\" \/>\n<meta property=\"og:description\" content=\"\u00bfQu\u00e9 har\u00edas si tu auto se descompone y el mec\u00e1nico te dice que el arreglo va a costar $500? 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