{"id":18974,"date":"2023-07-07T17:14:41","date_gmt":"2023-07-07T23:14:41","guid":{"rendered":"https:\/\/www.iccu.com\/wellness\/money-guide-for-teens\/adonde-va-tu-dinero\/"},"modified":"2024-09-09T23:29:35","modified_gmt":"2024-09-10T05:29:35","slug":"spending","status":"publish","type":"page","link":"https:\/\/www.iccu.com\/es\/wellness\/money-guide-for-teens\/spending\/","title":{"rendered":"\u00bfAd\u00f3nde va tu dinero?"},"content":{"rendered":"<div id=\"navbar\" class=\"m-navbar \">\n    <ul>\n                    <li>\n                <a href=\"#spending\">Gastar<\/a>\n            <\/li>\n                    <li>\n                <a href=\"#tracking\">Seguimiento<\/a>\n            <\/li>\n                    <li>\n                <a href=\"#budgets\">Presupuestos<\/a>\n            <\/li>\n                    <li>\n                <a href=\"#budgeting-tips\">Consejos presupuestarios<\/a>\n            <\/li>\n                    <li>\n                <a href=\"#credit\">Cr\u00e9dito<\/a>\n            <\/li>\n                    <li>\n                <a href=\"#build-credit\">Crear cr\u00e9dito<\/a>\n            <\/li>\n                    <li>\n                <a href=\"#savings\">Ahorro<\/a>\n            <\/li>\n            <\/ul>\n<\/div>\n<div id=\"navbar-spacer\"><\/div>\n\n<div class=\"wp-block-group alignfull has-white-background-color has-background\" id=\"spending\"><div class=\"wp-block-group__inner-container is-layout-constrained wp-block-group-is-layout-constrained\">\n<div class=\"wp-block-columns alignwide is-layout-flex wp-container-core-columns-is-layout-9d6595d7 wp-block-columns-is-layout-flex\">\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\">\n<h2 class=\"wp-block-heading\">Gastar<\/h2>\n\n\n\n<div class=\"wp-block-columns is-layout-flex wp-container-core-columns-is-layout-9d6595d7 wp-block-columns-is-layout-flex\">\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\">\n<h3 class=\"wp-block-heading\">Tarjetas de d\u00e9bito<\/h3>\n\n\n\n<p class=\"has-lg-font-size\">\u00bfQu\u00e9 es una tarjeta de d\u00e9bito? Es b\u00e1sicamente dinero electr\u00f3nico que has depositado en tu cuenta. Las tarjetas de d\u00e9bito descuentan dinero directamente de tu cuenta de cheques. Ofrecen la comodidad de una tarjeta de cr\u00e9dito (no tener que llevar un mont\u00f3n de dinero en efectivo), pero en lugar de dinero prestado accedes a tus propios fondos. Las tarjetas de d\u00e9bito no suelen ofrecer programas de recompensas. Por lo general, puedes recibir una tarjeta de d\u00e9bito al abrir una <a href=\"https:\/\/www.iccu.com\/es\/accounts\/checking\/\">cuenta de cheques personal<\/a>.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Tarjetas de cr\u00e9dito<\/h3>\n\n\n\n<p class=\"has-lg-font-size\">Las tarjetas de cr\u00e9dito son dinero gratis, \u00bfverdad? \u00a1NO! Las tarjetas de cr\u00e9dito te permiten pedir dinero prestado al emisor de la tarjeta hasta un l\u00edmite determinado. Est\u00e1s haciendo compras a cr\u00e9dito, con la promesa de que las devolver\u00e1s, y si no lo haces, hay penalizaciones. Las tarjetas de cr\u00e9dito pueden ser estupendas si se utilizan correctamente. Nunca cargues m\u00e1s de lo que puedas pagar cuando llegue la factura. Echa un vistazo a algunas de las <a href=\"https:\/\/www.iccu.com\/es\/loans\/visa-credit-cards\/\">Tarjetas de Cr\u00e9dito Visa<\/a> que se ofrecen aqu\u00ed en ICCU.  <\/p>\n<\/div>\n\n\n\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\"><div class=\"wp-block-image\">\n<figure class=\"aligncenter size-full is-resized\"><img loading=\"lazy\" decoding=\"async\" src=\"https:\/\/alpha.iccu.com\/wp-content\/uploads\/2023\/01\/Card-Control_Cards.webp\" alt=\"Tarjetas ICCU\" class=\"wp-image-4811\" width=\"551\" height=\"420\"\/><\/figure>\n<\/div><\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div><\/div>\n\n<div class=\"wp-block-group alignfull has-light-gray-background-color has-background\" id=\"tracking\"><div class=\"wp-block-group__inner-container is-layout-constrained wp-block-group-is-layout-constrained\">\n<div class=\"wp-block-columns alignwide is-layout-flex wp-container-core-columns-is-layout-9d6595d7 wp-block-columns-is-layout-flex\">\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\">\n<h2 class=\"wp-block-heading has-green-color has-text-color\">Seguimiento<\/h2>\n\n\n\n<div class=\"wp-block-columns is-layout-flex wp-container-core-columns-is-layout-9d6595d7 wp-block-columns-is-layout-flex\">\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\">\n<p class=\"has-lg-font-size\">\u00bfAlguna vez has mirado tu cuenta bancaria y te has preguntado d\u00f3nde ha ido a parar tu dinero? No te gastas TANTO en comer fuera, \u00bfverdad? El seguimiento de tus h\u00e1bitos de gasto te ayuda a descubrir cu\u00e1nto dinero gastas realmente, que puede ser muy diferente de la cantidad que crees que gastas.<\/p>\n\n\n\n<p class=\"has-lg-font-size\">Controla tus gastos durante aproximadamente un mes antes de crear un presupuesto, para que tus objetivos sean realistas. Incluso despu\u00e9s de haber empezado a presupuestar, sigue controlando tus h\u00e1bitos de gasto para ver c\u00f3mo se alinean con tu nuevo presupuesto. Si te tomas el tiempo de anotar cada transacci\u00f3n (en un cuaderno o en una aplicaci\u00f3n), pensar\u00e1s mejor en el impacto de cada compra. Esto puede ser desalentador, por lo que es importante establecer objetivos alcanzables para tu dinero, a fin de mantenerte responsable de tu presupuesto y seguimiento.<\/p>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div><\/div>\n\n<div class=\"wp-block-group alignfull has-white-background-color has-background\" id=\"budgets\"><div class=\"wp-block-group__inner-container is-layout-constrained wp-block-group-is-layout-constrained\">\n<div class=\"wp-block-columns alignwide is-layout-flex wp-container-core-columns-is-layout-9d6595d7 wp-block-columns-is-layout-flex\">\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\">\n<h2 class=\"wp-block-heading has-black-color has-text-color\">Presupuestos<\/h2>\n\n\n\n<div class=\"wp-block-columns is-layout-flex wp-container-core-columns-is-layout-9d6595d7 wp-block-columns-is-layout-flex\">\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\">\n<p class=\"has-lg-font-size\">Aunque a veces pueda parecer tedioso y aburrido, crear un plan s\u00f3lido para tus gastos garantizar\u00e1 que dispongas de dinero suficiente para tus necesidades. Esto te dar\u00e1 un control total sobre tus finanzas, al tiempo que creas nuevos y excelentes h\u00e1bitos de gasto. Una vez pulidas estas habilidades, se te abrir\u00e1 una nueva v\u00eda para alcanzar tus objetivos financieros personales, comprando aquellas cosas que son importantes para ti. Ahora es el momento perfecto para empezar a practicar. Echa un vistazo a nuestros 5 incre\u00edbles consejos para saber por d\u00f3nde empezar.<\/p>\n<\/div>\n\n\n\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\"><div class=\"wp-block-image\">\n<figure class=\"aligncenter size-full\"><img loading=\"lazy\" decoding=\"async\" width=\"410\" height=\"313\" src=\"https:\/\/www.iccu.com\/wp-content\/uploads\/2023\/07\/girl-paying-body.webp\" alt=\"\" class=\"wp-image-12627\"\/><\/figure>\n<\/div><\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div><\/div>\n\n<div class=\"wp-block-group alignfull has-light-gray-background-color has-background\" id=\"budgeting-tips\"><div class=\"wp-block-group__inner-container is-layout-constrained wp-block-group-is-layout-constrained\">\n<div class=\"wp-block-columns alignwide is-layout-flex wp-container-core-columns-is-layout-9d6595d7 wp-block-columns-is-layout-flex\">\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\">\n<h2 class=\"wp-block-heading has-green-color has-text-color\">Consejos para elaborar un presupuesto<\/h2>\n\n\n\n<div class=\"wp-block-columns is-layout-flex wp-container-core-columns-is-layout-9d6595d7 wp-block-columns-is-layout-flex\">\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\">\n<h3 class=\"wp-block-heading is-style-default has-gray-color has-text-color\">1. Averigua cu\u00e1nto dinero est\u00e1s ganando<\/h3>\n\n\n\n<p class=\"has-lg-font-size\">Para crear un presupuesto, tienes que saber cu\u00e1nto dinero ingresas cada mes (aunque eso ya lo sab\u00edas, \u00bfverdad?). Calcula tus ingresos mensuales sumando las fuentes regulares de ingresos. Si recibes una paga, suma s\u00f3lo la paga neta (cantidad recibida despu\u00e9s de impuestos).<\/p>\n\n\n\n<h3 class=\"wp-block-heading has-gray-color has-text-color\">2. Controla tus gastos<\/h3>\n\n\n\n<p class=\"has-lg-font-size\">El seguimiento de tus h\u00e1bitos de gasto te ayuda a descubrir cu\u00e1nto dinero gastas realmente, que puede ser muy diferente de la cantidad que crees que gastas. Si te tomas el tiempo de anotar cada transacci\u00f3n (en un cuaderno o en una aplicaci\u00f3n), pensar\u00e1s mejor cada compra. Esto te ayudar\u00e1 a visualizar tus gastos y a determinar d\u00f3nde puedes hacer recortes.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">3. Establece objetivos financieros<\/h3>\n\n\n\n<p class=\"has-lg-font-size\">Aseg\u00farate de que es un objetivo alcanzable. No deber\u00edas salir por la puerta diciendo que vas a ahorrar 1.000.000 $. Seguro que te desanimar\u00e1s. Ponte como objetivo ahorrar para un fondo de emergencia, o para unas vacaciones, o para un coche nuevo. Trabajar para conseguir un objetivo hace que ahorrar resulte m\u00e1s gratificante.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">4. Disminuye tus gastos<\/h3>\n\n\n\n<p class=\"has-lg-font-size\">Despu\u00e9s de hacer un seguimiento de tus gastos, puedes determinar los deseos frente a las necesidades. Tienes que gastar en necesidades (gastos fijos), esos deben ser lo primero (duh). Averigua de qu\u00e9 deseos puedes prescindir por ahora y elim\u00ednalos. Siempre puedes ahorrar para ciertos deseos m\u00e1s adelante.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">5. C\u00ed\u00f1ete a tu plan<\/h3>\n\n\n\n<p class=\"has-lg-font-size\">AJ\u00daSTATE A TU PRESUPUESTO. Seguir tu plan te ayudar\u00e1 a alcanzar tu objetivo final. En Internet hay una pl\u00e9tora de ideas para presupuestadores principiantes. B\u00fascalos y elige el que te parezca mejor.<\/p>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div><\/div>\n\n<div class=\"wp-block-group alignfull has-white-background-color has-background\" id=\"credit\"><div class=\"wp-block-group__inner-container is-layout-constrained wp-block-group-is-layout-constrained\">\n<div class=\"wp-block-columns alignwide is-layout-flex wp-container-core-columns-is-layout-9d6595d7 wp-block-columns-is-layout-flex\">\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\">\n<h2 class=\"wp-block-heading has-black-color has-text-color\">Cr\u00e9dito<\/h2>\n\n\n\n<div class=\"wp-block-columns is-layout-flex wp-container-core-columns-is-layout-9d6595d7 wp-block-columns-is-layout-flex\">\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\">\n<p class=\"has-lg-font-size\">Seamos realistas. Construir el cr\u00e9dito es penoso, sobre todo cuando est\u00e1s empezando. No puede ser tan sencillo como ganar dinero y utilizarlo s\u00f3lo para gastar en cosas. TIENES que tener cr\u00e9dito para tener \u00e9xito como adulto. Una vez que empiezas a acumular cr\u00e9dito, es un poco como un \u00abbolet\u00edn de notas\u00bb financiero. Si lo vigilas, pagas tus facturas y cumples las normas, tendr\u00e1s un buen cr\u00e9dito y los prestamistas se sentir\u00e1n m\u00e1s c\u00f3modos prest\u00e1ndote dinero. Los caseros, los concesionarios de coches y otros mirar\u00e1n tu \u00abtarjeta de calificaciones\u00bb para determinar en qu\u00e9 medida eres un riesgo. Las puntuaciones crediticias oscilan entre 300 y 850, y sin duda debes intentar mantenerte por encima de la marca de 700.<\/p>\n<\/div>\n\n\n\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\"><div class=\"wp-block-image\">\n<figure class=\"aligncenter size-full\"><img loading=\"lazy\" decoding=\"async\" width=\"410\" height=\"313\" src=\"https:\/\/www.iccu.com\/wp-content\/uploads\/2023\/07\/girl-working-out-body.webp\" alt=\"\" class=\"wp-image-12628\"\/><\/figure>\n<\/div><\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div><\/div>\n\n<div class=\"wp-block-group alignfull has-light-gray-background-color has-background\" id=\"build-credit\"><div class=\"wp-block-group__inner-container is-layout-constrained wp-block-group-is-layout-constrained\">\n<div class=\"wp-block-columns alignwide is-layout-flex wp-container-core-columns-is-layout-9d6595d7 wp-block-columns-is-layout-flex\">\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\">\n<h2 class=\"wp-block-heading has-green-color has-text-color\">Consejos para construir el cr\u00e9dito<\/h2>\n\n\n\n<div class=\"wp-block-columns is-layout-flex wp-container-core-columns-is-layout-9d6595d7 wp-block-columns-is-layout-flex\">\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\">\n<h3 class=\"wp-block-heading is-style-default has-gray-color has-text-color\">1. Consigue un trabajo<\/h3>\n\n\n\n<p class=\"has-lg-font-size\">La situaci\u00f3n laboral no repercute directamente en tu cr\u00e9dito, pero tener unos ingresos estables es muy importante cuando se trata del componente principal en la creaci\u00f3n de cr\u00e9dito: pedir dinero prestado.<\/p>\n\n\n\n<h3 class=\"wp-block-heading has-gray-color has-text-color\">2. Pedir dinero prestado<\/h3>\n\n\n\n<p class=\"has-lg-font-size\">Esto puede ser tan sencillo como abrir una tarjeta de cr\u00e9dito y pagarla todos los meses. Idaho Central Credit Union dispone de un completo <a href=\"https:\/\/www.iccu.com\/es\/loans\/credit-care\/credit-builder\/\">programa de creaci\u00f3n de cr\u00e9dito<\/a> para que puedas empezar.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">3. Paga y espera<\/h3>\n\n\n\n<p class=\"has-lg-font-size\">Tu cr\u00e9dito empieza a construirse a medida que tu acreedor informa de tu historial de cuentas a las principales agencias de cr\u00e9dito. No te endeudes cobrando nunca m\u00e1s de lo que puedas devolver cuando llegue la factura. Ten paciencia, ya que est\u00e1s empezando y tu puntuaci\u00f3n de cr\u00e9dito se est\u00e1 construyendo.<\/p>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div><\/div>\n\n<div class=\"wp-block-group alignfull has-white-background-color has-background\" id=\"savings\"><div class=\"wp-block-group__inner-container is-layout-constrained wp-block-group-is-layout-constrained\">\n<div class=\"wp-block-columns alignwide is-layout-flex wp-container-core-columns-is-layout-9d6595d7 wp-block-columns-is-layout-flex\">\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\">\n<h2 class=\"wp-block-heading has-black-color has-text-color\">\u00bfC\u00f3mo crece tu dinero?<\/h2>\n\n\n\n<div class=\"wp-block-columns is-layout-flex wp-container-core-columns-is-layout-9d6595d7 wp-block-columns-is-layout-flex\">\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\">\n<p class=\"has-lg-font-size\">Ahora que tenemos controlados tus h\u00e1bitos de gasto, \u00a1continuemos el viaje hacia el \u00e9xito financiero! Ponte en el buen camino financiero ahorrando ahora para el futuro. ICCU ofrece opciones de cuentas de ahorro que crecen a medida que t\u00fa creces.<\/p>\n\n\n\n<div class=\"wp-block-buttons is-layout-flex wp-block-buttons-is-layout-flex\">\n<div class=\"wp-block-button\"><a class=\"wp-block-button__link wp-element-button\" href=\"https:\/\/www.iccu.com\/wellness\/money-guide-for-teens\/saving\/\">Aprende a ahorrar<\/a><\/div>\n<\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\"><div class=\"wp-block-image\">\n<figure class=\"aligncenter size-full\"><img loading=\"lazy\" decoding=\"async\" width=\"410\" height=\"313\" src=\"https:\/\/www.iccu.com\/wp-content\/uploads\/2023\/07\/save-money.webp\" alt=\"\" class=\"wp-image-12635\"\/><\/figure>\n<\/div><\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div><\/div>\n","protected":false},"excerpt":{"rendered":"<p>Gastar Tarjetas de d\u00e9bito \u00bfQu\u00e9 es una tarjeta de d\u00e9bito? Es b\u00e1sicamente dinero electr\u00f3nico que has depositado en tu cuenta. 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