{"id":774,"date":"2020-06-12T17:46:50","date_gmt":"2020-06-12T17:46:50","guid":{"rendered":"http:\/\/sd-1331064-h00028.ferozo.net\/?p=774"},"modified":"2020-06-23T23:15:38","modified_gmt":"2020-06-23T23:15:38","slug":"how-to-create-a-family-budget","status":"publish","type":"post","link":"https:\/\/www.cashdeliveryinc.com\/es\/2020\/06\/12\/how-to-create-a-family-budget\/","title":{"rendered":"Como crear un presupuesto familiar"},"content":{"rendered":"

\u00bfPensar en la palabra presupuesto te asusta o te pone nervioso? A muchas familias les cuesta pensar en crear y mantener un presupuesto familiar pero es un esfuerzo que a largo plazo puede ayudar a tener un mejor control y organizacion de los gastos fijos familiares. Cash Delivery ha creado 5 pasos simples para ayudarte a crear un presupuesto familiar.<\/p>\n\n\n\n

\"Familia
Familia Budget Cash Delivery<\/figcaption><\/figure><\/div>\n\n\n\n

Realizar un seguimiento de los gastos:<\/strong> Reunir a ambos companeros o a cada uno de los miembros de la familia que contribuyen a los ingresos del hogar para determinar exactamente a d\u00f3nde se esta gastando el dinero, s\u00ed, cada refrigerio o botella de agua cuenta. Mantener cada uno de los recibos ayudar\u00e1 a hacer la lista de gastos; Puede usar una hoja de c\u00e1lculo, una aplicaci\u00f3n de seguimiento de gastos o incluso l\u00e1piz y papel para hacer esta lista. Es tambien muy importante categorizar los gastos.    <\/p>\n\n\n\n

Determinar el ingreso total: <\/strong>Primero, calcule cu\u00e1l es el ingreso mensual que se espera que gane cada miembro, cada miembro puede tomar el ingreso de los meses anteriores como referencia y por lo tanto, tener una estimaci\u00f3n m\u00e1s precisa. Si todos los miembros tienen salarios fijos, el proceso se vuelve m\u00e1s simple. Luego, sume cada uno de los ingresos que se esperan obtener como familia.      <\/strong><\/p>\n\n\n\n

Evalua tu situacion actual: <\/strong>Ahora que ya se tiene la cantidad que se est\u00e1 gastando y el ingreso familiar estimado, se tienen que restar los gastos totales del ingreso familiar estimado. Si obtiene un n\u00famero negativo, est\u00e1 gastando m\u00e1s de lo que deber\u00eda y este es el momento adecuado para analizar los h\u00e1bitos de gasto o ajustar algunos gastos innecesarios. Si el n\u00famero es cero, est\u00e1 en buena forma ya que puede cubrir todos sus gastos sin endeudarse. Sin embargo, para que pueda ahorrar dinero que podr\u00eda usarse en el futuro como respaldo para cualquier emergencia familiar, problemas con el autom\u00f3vil, mantenimiento de la casa o incluso para irse de vacaciones, deber\u00e1 elevar ese n\u00famero a un n\u00famero positivo.<\/p>\n\n\n\n

Empieza Ahorrar: <\/strong>Despu\u00e9s de que ya se logr\u00f3 acomodar algunos de los gastos, reconsider\u00f3 algunos que no eran tan necesarios y se cambiaron los h\u00e1bitos de gastos de la familia, es hora de comenzar a ahorrar. Un muy buen m\u00e9todo para hacerlo es aplicando la regla del 50%, 30% y 20%. Esto significa gastar el 50% en \"necesidades\", el 30% en \"deseos\" y el 20% se destina directamente al ahorro. Intente hacer los ahorros autom\u00e1ticamente utilizando una transferencia autom\u00e1tica a la cuenta de ahorros familiar cada vez que se le paga a cada miembro.<\/p>\n\n\n\n

Monitoree el presupuesto: <\/strong>Es extremadamente importante revisar el presupuesto ya que es muy f\u00e1cil salirse de el. Si por alguna raz\u00f3n o emergencia el presupuesto es distorsionado o alterado, intente volver ajustarlo lo antes posible.<\/p>","protected":false},"excerpt":{"rendered":"

Does thinking about the word budget make you afraid or nervous? Many families find it difficult to think about creating and maintaining a family budget, but it is an effort that in the long term can help to have better control and organization of family expenses.  Cash Delivery has created 5 simple steps to help …<\/p>\n

Como crear un presupuesto familiar<\/span> Leer m\u00e1s »<\/a><\/p>","protected":false},"author":1,"featured_media":1216,"comment_status":"open","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":[],"categories":[1],"tags":[],"yoast_head":"\nHow to create a family budget - Cash Delivery Inc.<\/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:\/\/www.cashdeliveryinc.com\/es\/2020\/06\/12\/how-to-create-a-family-budget\/\" \/>\n<meta property=\"og:locale\" content=\"es_MX\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"How to create a family budget - Cash Delivery Inc.\" \/>\n<meta property=\"og:description\" content=\"Does thinking about the word budget make you afraid or nervous? 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