{"id":93642,"date":"2024-12-19T20:28:36","date_gmt":"2024-12-19T19:28:36","guid":{"rendered":"https:\/\/zeromagazine.mx\/?p=93642"},"modified":"2024-12-19T20:28:37","modified_gmt":"2024-12-19T19:28:37","slug":"controla-tus-compras-navidenas-ya","status":"publish","type":"post","link":"https:\/\/zeromagazine.mx\/index.php\/2024\/12\/19\/controla-tus-compras-navidenas-ya\/","title":{"rendered":"Controla tus Compras Navide\u00f1as Ya"},"content":{"rendered":"<!--themify_builder_content-->\n<div id=\"themify_builder_content-93642\" data-postid=\"93642\" class=\"themify_builder_content themify_builder_content-93642 themify_builder tf_clear\">\n    <\/div>\n<!--\/themify_builder_content-->\n\n\n<p><strong>Controla tus gastos navide\u00f1os<\/strong><\/p>\n\n\n\n<p>A ver, amix, controla tus gastos navide\u00f1os.  \u00bfya est\u00e1s listx para diciembre? La \u00e9poca m\u00e1s m\u00e1gica del a\u00f1o tambi\u00e9n puede ser la m\u00e1s ca\u00f3tica para nuestras finanzas. Entre posadas, intercambios y esas promos que gritan \u201c\u00a1C\u00d3MPRAME!\u201d, es f\u00e1cil caer en el <em>Christmas chaos<\/em>. Seg\u00fan el Holiday Outlook 2024 de PwC, aunque la raza est\u00e1 preocupada por la inflaci\u00f3n, el gasto promedio subir\u00e1 un 7%. <strong>Controla tus compras navide\u00f1as<\/strong> para no arrancar el a\u00f1o en n\u00fameros rojos. Aqu\u00ed te va el <em>tea<\/em> sobre los errores m\u00e1s comunes y c\u00f3mo evitarlos.<\/p>\n\n\n\n<p><strong>1. No tener un presupuesto realista<\/strong><\/p>\n\n\n\n<p>Para empezar, \u00bfya hiciste tu lista de gastos? Porque el gasto sorpresa es real: la gasolina para ir a las posadas, los adornos del \u00e1rbol, o el regalo de \u00faltima hora para el intercambio del trabajo. <strong>Porfa, haz un presupuesto realista<\/strong>. Usa apps como Fintonic o una hoja de Excel y ponte l\u00edmites claros. Sin un plan, lo m\u00e1s seguro es que termines usando la tarjeta de cr\u00e9dito m\u00e1s de lo que deber\u00edas.<\/p>\n\n\n\n<p><strong>2. Comprar por impulso<\/strong><\/p>\n\n\n\n<figure class=\"wp-block-image size-full is-resized\"><img data-recalc-dims=\"1\" decoding=\"async\" width=\"320\" height=\"205\" src=\"https:\/\/i0.wp.com\/zeromagazine.mx\/wp-content\/uploads\/2024\/12\/Euforia-navidena.jpg?resize=320%2C205&#038;ssl=1\" alt=\"\" class=\"wp-image-93643\" style=\"width:840px;height:auto\" srcset=\"https:\/\/i0.wp.com\/zeromagazine.mx\/wp-content\/uploads\/2024\/12\/Euforia-navidena.jpg?w=320&amp;ssl=1 320w, https:\/\/i0.wp.com\/zeromagazine.mx\/wp-content\/uploads\/2024\/12\/Euforia-navidena.jpg?resize=300%2C192&amp;ssl=1 300w\" sizes=\"(max-width: 320px) 100vw, 320px\" \/><\/figure>\n\n\n\n\n<script async src=\"https:\/\/pagead2.googlesyndication.com\/pagead\/js\/adsbygoogle.js?client=ca-pub-5499304793904745\"\n     crossorigin=\"anonymous\"><\/script>\n<ins class=\"adsbygoogle\"\n     style=\"display:block; text-align:center;\"\n     data-ad-layout=\"in-article\"\n     data-ad-format=\"fluid\"\n     data-ad-client=\"ca-pub-5499304793904745\"\n     data-ad-slot=\"5994863093\"><\/ins>\n<script>\n     (adsbygoogle = window.adsbygoogle || []).push({});\n<\/script>\n\n\n\n<p>Adem\u00e1s, \u00bfqui\u00e9n no ha ca\u00eddo en la trampa del 3&#215;2 o los meses sin intereses? Te ves en el centro comercial pensando que lo necesitas cuando, en realidad, no. <strong>Controla tus compras navide\u00f1as<\/strong> y preg\u00fantate: \u201c\u00bfEsto lo necesito o solo me lo estoy llevando por la promo?\u201d. Si la respuesta es la segunda, mejor ah\u00f3rralo.<\/p>\n\n\n\n<p><strong>3. Usar el aguinaldo como dinero libre<\/strong><\/p>\n\n\n\n<p>El aguinaldo no es para \u201cdarte gustos nom\u00e1s porque s\u00ed\u201d. Hugh Bruce, experto en finanzas, sugiere destinar al menos el 30% al ahorro o pago de deudas. El resto, \u00fasalo sabiamente para compras planeadas. No conviertas tu aguinaldo en un boleto directo a la cuesta de enero.<\/p>\n\n\n\n<p><strong>4. Gastar por culpa o compromiso<\/strong><\/p>\n\n\n\n<p>\u00bfTe sientes mal por no dar regalos caros? Tranquilx, el valor de un regalo no est\u00e1 en el precio. Opta por regalos DIY o experiencias emocionales. <strong>Controla tus compras navide\u00f1as<\/strong> y evita que el \u201cquedar bien\u201d te deje con deudas innecesarias.<\/p>\n\n\n\n<p><strong>5. Ignorar los gastos de enero<\/strong><\/p>\n\n\n\n<p>Por \u00faltimo, no todo es fiesta. Enero llega con colegiaturas, seguros y deudas. Destina una parte de tus ingresos para estos gastos y empieza el a\u00f1o con el pie derecho. Como dice mi abue: \u201cEl que guarda, halla\u201d.<\/p>\n\n\n\n<p>No dejes que la emoci\u00f3n navide\u00f1a te haga olvidar la importancia de cuidar tu dinero. Planea, evita compras impulsivas y piensa en el futuro. <strong>Controla tus compras navide\u00f1as<\/strong> para que el esp\u00edritu festivo no se convierta en estr\u00e9s financiero en enero.<\/p>\n\n\n\n<p>Si quieres m\u00e1s tips sobre c\u00f3mo manejar tu cr\u00e9dito estas fiestas, checa <a href=\"https:\/\/www.circulodecredito.com.mx\/\">C\u00edrculo de Cr\u00e9dito<\/a>.<\/p>","protected":false},"excerpt":{"rendered":"<p>Controla tus gastos navide\u00f1os A ver, amix, controla tus gastos navide\u00f1os. \u00bfya est\u00e1s listx para diciembre? La \u00e9poca m\u00e1s m\u00e1gica del a\u00f1o tambi\u00e9n puede ser la m\u00e1s ca\u00f3tica para nuestras finanzas. Entre posadas, intercambios y esas promos que gritan \u201c\u00a1C\u00d3MPRAME!\u201d, es f\u00e1cil caer en el Christmas chaos. Seg\u00fan el Holiday Outlook 2024 de PwC, aunque [&hellip;]<\/p>\n","protected":false},"author":2,"featured_media":93643,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_jetpack_memberships_contains_paid_content":false,"footnotes":"","jetpack_publicize_message":"","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}},"categories":[41],"tags":[12159,12177],"class_list":["post-93642","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-tech","tag-circulo-de-credito","tag-consejos-financieros","has-post-title","has-post-date","has-post-category","has-post-tag","has-post-comment","has-post-author",""],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.4 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Controla tus Compras Navide\u00f1as Ya - 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