{"id":163,"date":"2022-06-07T13:56:18","date_gmt":"2022-06-07T18:56:18","guid":{"rendered":"https:\/\/ccsmart.org\/?p=163"},"modified":"2023-10-27T16:05:12","modified_gmt":"2023-10-27T21:05:12","slug":"como-hacer-un-presupuesto-edicion-universitaria","status":"publish","type":"post","link":"https:\/\/ccsmart.org\/es\/como-hacer-un-presupuesto-edicion-universitaria\/","title":{"rendered":"C\u00f3mo hacer un presupuesto - Edici\u00f3n universitaria"},"content":{"rendered":"<p>Si no est\u00e1s especializado en finanzas o econom\u00eda, la gesti\u00f3n del dinero puede ser una tarea desalentadora. Seamos realistas, \u00a1puede ser mucho con lo que lidiar incluso si es tu especialidad! Preparar un presupuesto y ce\u00f1irse a \u00e9l puede ser muy dif\u00edcil, sobre todo con la escalada de precios y la interminable divisi\u00f3n de servicios de streaming. (\u00a1\u00bfPor qu\u00e9 todos nuestros programas de televisi\u00f3n favoritos tienen que dividirse entre cinco servicios de streaming?!).<\/p>\n\n\n\n<p>\u00bfNo sabes por d\u00f3nde empezar? Prueba estos consejos r\u00e1pidos para crear un presupuesto que te ayude a entender y gestionar tus finanzas mientras asistes al colegio comunitario. <\/p>\n\n\n\n<p><strong>Hazte una idea de tus gastos<\/strong><\/p>\n\n\n\n<p>Las facturas existen, nos guste o no. Desde el alquiler y los pagos del coche hasta los servicios p\u00fablicos y de streaming: todo cuesta dinero. Conocer las facturas mensuales es clave para establecer y mantener un presupuesto viable. Toma nota de las facturas que son absolutamente necesarias -alimentaci\u00f3n, vivienda, transporte- y de las que puedes permitirte cancelar o reducir un poco. Una vez que tengas una idea de tu gasto mensual, te quedar\u00e1 bastante claro cu\u00e1nto necesitas ganar para cubrirlo. <a href=\"https:\/\/www.nerdwallet.com\/article\/finance\/best-budget-apps\">Hay muchas aplicaciones que te ayudar\u00e1n a hacerlo autom\u00e1ticamente.<\/a>o puedes llevar t\u00fa mismo el control mediante un registro o una hoja de c\u00e1lculo.<\/p>\n\n\n\n<p><strong>Calcula cu\u00e1nto ganas<\/strong><\/p>\n\n\n\n<p>Para aquellos de nosotros que cobramos por horas o que trabajamos en actividades paralelas, puede resultar un poco confuso a primera vista qu\u00e9 es lo que necesitamos. <a href=\"https:\/\/www.indeed.com\/career-advice\/pay-salary\/how-to-calculate-how-much-you-make-a-year\">que estamos haciendo en un mes<\/a>. Entender cu\u00e1nto tienes que trabajar para cubrir tus necesidades b\u00e1sicas puede ayudarte mucho a gestionar el tiempo y a darte cuenta de cu\u00e1ndo tienes que hacer un cambio para no salirte del presupuesto.<\/p>\n\n\n\n<p><strong>Cuente con el ahorro<\/strong><\/p>\n\n\n\n<p>Muchos de nosotros no podemos permitirnos el lujo de tener un fondo de emergencia. <a href=\"https:\/\/www.consumerfinance.gov\/an-essential-guide-to-building-an-emergency-fund\/\">pero si puede, h\u00e1galo una prioridad<\/a>. Si algunos meses tienes menos ingresos, pierdes el trabajo o se te presenta un gasto inesperado, querr\u00e1s estar preparado para afrontarlo sin tener que endeudarte.<\/p>\n\n\n\n<p><strong>Tenga en cuenta el coste de la matr\u00edcula<\/strong><\/p>\n\n\n\n<p>\u00bfEst\u00e1s ahorrando para trasladarte? \u00bfTu ayuda financiera no cubre el coste de asistir a un colegio comunitario? Reconocer cu\u00e1l debe ser tu contribuci\u00f3n financiera a tu educaci\u00f3n es una parte muy importante del presupuesto de cualquier estudiante universitario - ya sea <a href=\"https:\/\/studentaid.gov\/manage-loans\/repayment\">pagar un pr\u00e9stamo de estudios<\/a> con antelaci\u00f3n o cubrir algunas clases del colegio comunitario que excedan tu paquete de ayuda financiera. Aunque ahora est\u00e9s cubierto, ahorra para el futuro: cuando te transfieras, tu futuro yo te lo agradecer\u00e1.<\/p>\n\n\n\n<p><strong>Trabaja en ese negocio paralelo<\/strong><\/p>\n\n\n\n<p>Sean cuales sean sus talentos o habilidades, hay <a href=\"https:\/\/studentloanhero.com\/featured\/earn-extra-money-talents-30-ways\/\">opciones para obtener unos ingresos extra<\/a>. Invertir algo de tiempo en una actividad paralela puede ayudarte a complementar tus ingresos, especialmente si ya tienes un negocio. <a href=\"https:\/\/studentloanhero.com\/featured\/part-time-jobs-for-students-college\/\">a tiempo parcial<\/a> o un trabajo a tiempo completo. Puede ser una buena forma de canalizar dinero directamente a tus ahorros o de empezar a pagar los pr\u00e9stamos estudiantiles.<\/p>\n\n\n\n<p>Crear un presupuesto y ce\u00f1irse a \u00e9l es clave para un futuro financieramente sano. Para obtener m\u00e1s informaci\u00f3n sobre la ayuda financiera y c\u00f3mo ahorrar dinero mientras asiste a la universidad de la comunidad, echa un vistazo a <a href=\"https:\/\/ccsmart.org\/6-ways-to-save-money-at-community-college\/\">este art\u00edculo<\/a>.<\/p>","protected":false},"excerpt":{"rendered":"<p>\u00bfNo sabes c\u00f3mo hacer que un presupuesto te funcione? Prueba estas ideas para que entender y gestionar tus finanzas como estudiante te resulte un poco m\u00e1s f\u00e1cil.<\/p>","protected":false},"author":14,"featured_media":165,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"inline_featured_image":false,"site-sidebar-layout":"default","site-content-layout":"","ast-site-content-layout":"default","site-content-style":"default","site-sidebar-style":"default","ast-global-header-display":"","ast-banner-title-visibility":"","ast-main-header-display":"","ast-hfb-above-header-display":"","ast-hfb-below-header-display":"","ast-hfb-mobile-header-display":"","site-post-title":"","ast-breadcrumbs-content":"","ast-featured-img":"","footer-sml-layout":"","theme-transparent-header-meta":"","adv-header-id-meta":"","stick-header-meta":"","header-above-stick-meta":"","header-main-stick-meta":"","header-below-stick-meta":"","astra-migrate-meta-layouts":"set","ast-page-background-enabled":"default","ast-page-background-meta":{"desktop":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"tablet":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"mobile":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""}},"ast-content-background-meta":{"desktop":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"tablet":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"mobile":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""}},"footnotes":""},"categories":[19,20],"tags":[],"class_list":["post-163","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-college-hacks","category-finance"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.5 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>How To Make a Budget \u2013 College Edition &#187; CCSmart<\/title>\n<meta name=\"description\" content=\"Not sure how to make a budget work for you? 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