Las 3 claves de la educación financiera para ahorrar más

Las 3 claves de la educación financiera para ahorrar más

Curso: Financiación, comercio electrónico seguro y tus derechos como consumidor financiero (IBERCAJA OBRA SOCIAL)

EUROPEAN MONEY WEEK

Global Money Week

"Tus Finanzas, Tu Futuro"

EUROPEAN MONEY WEEK

Global Money Week

EUROPEAN MONEY WEEK

Global Money Week

EUROPEAN MONEY WEEK

Global Money Week

Global Money Week

Global Money Week

Global Money Week

Global Money Week

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Es imprescindible vigilar los gastos mensuales

Las tres cuentas necesarias: emergencias, jubilación y gastos especiales

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IEF

30/09/2014

Es imprescindible vigilar los gastos mensuales
Las tres cuentas necesarias: emergencias, jubilación y gastos especiales

+ARTICULOS: Cómo no invertir en un chiringuito financiero

Ahorrar no es fácil. Por este motivo muchas personas se han dedicado al estudio de las claves que permiten a los particulares sacar un mayor partido a sus ingresos, lo que se ha convertido en la base de la educación financiera.

Esta educación, que se tiene que centrar en los pilares de qué ahorrar, para qué y cómo hacerlo, combina la información disponible con ciertas habilidades y herramientas que permiten sacar un mayor partido a los recursos.

EMERGENCIAS, JUBILACIÓN Y GASTOS ESPECIALES

En este sentido, los expertos han señalado que el ahorro se debe realizar en tres direcciones diferentes: emergencias, jubilación y gastos especiales. Además, hay que realizar un control continuo sobre los gastos que se realizan todos los meses para intentar optimizar el gasto.

En el primer caso, es necesario llegar a cubrir la capacidad de gasto de seis meses. Para esto, es imprescindible asegurarse de que el fondo depositado con este fin no se toca a menos que sea estrictamente necesario. Ir sumando pequeñas cantidades permitirá hacer frente a pagos imprevistos y de última hora sin necesidad de recurrir a créditos.

LA JUBILACIÓN NO ES IGUAL PARA TODOS

En cuanto a la jubilación, se trata de un tema más complejo. El retiro no es igual en todas partes ni en todas las profesiones, por lo que cada personas tiene que encontrar la fórmula o el fondo de pensiones que más se ajuste a sus circunstancias.

Por último, queda la parte reservada a los gastos especiales. Esta es la partida que permite disfrutar de placeres poco habituales y que no se pueden asumir con los gastos del día a día, por lo que hay que apartar una pequeña cantidad de dinero todos los meses para poder disfrutar de estos lujos.

Así, esta reserva se puede destinar a comprar un coche nuevo, organizar unas vacaciones especiales o acudir a un evento determinado, como obras de teatro o acontecimientos deportivos.

DINERO ALEJADO DE CUENTAS CORRIENTES

Es fundamental no dedicar la cuenta corriente a fines relacionados con el ahorro, pues las tentaciones están ahí y complicarán que estos fondos puedan crecer con el paso del tiempo.

Ingresar estos ahorros en otra cuenta ayuda a disfrutar de una gestión mucho mejor. Además, permite controlar mejor el dinero y crear subcuentas en función de lo que se destine a emergencias, jubilación o gastos especiales.

Lee el artículo en Bolsamania.com.

oct 1, 2014Efec

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9 EUROPEAN MONEY WEEK 9 marzo, 2015 N/A European Money Week is an initiative that aims to raise public awareness on financial literacy and improving financial education for students from elementary and secondary schools. The week consists of a series of events in the participating countries and at a European level. Ultimately, the objective is to improve the level of financial education in Europe. European Money Week is an initiative of the European Banking Federation, coordinated by the EBF Financial Education Project Group involving national banking associations from across Europe. EUROPEAN MONEY WEEK EUROPEAN MONEY WEEK Global Money Week 9 marzo, 2015 N/A Global Money Week is a worldwide celebration to empower the next generation to be confident, responsible and skilled economic citizens. Every year, during the second week of March, young people around the globe talk, play, create, sing, read, discuss and learn about saving, money, changing economic systems and building a financial future for youth. It is about joining together – children, youth, parents, organizations and entire communities - to start action to reshape finance, and give young people the tools to shape their own future. Global Money Week Global Money Week "Tus Finanzas, Tu Futuro" 9 marzo, 2015 N/A Más de 5.500 alumnos de toda España se beneficiarán del programa “Tus finanzas, tu futuro” impartido por la Asociación Española de la Banca en colaboración con la Fundación Junior Achievement "Tus Finanzas, Tu Futuro"

10 EUROPEAN MONEY WEEK 10 marzo, 2015 N/A European Money Week is an initiative that aims to raise public awareness on financial literacy and improving financial education for students from elementary and secondary schools. The week consists of a series of events in the participating countries and at a European level. Ultimately, the objective is to improve the level of financial education in Europe. European Money Week is an initiative of the European Banking Federation, coordinated by the EBF Financial Education Project Group involving national banking associations from across Europe. EUROPEAN MONEY WEEK EUROPEAN MONEY WEEK Global Money Week 10 marzo, 2015 N/A Global Money Week is a worldwide celebration to empower the next generation to be confident, responsible and skilled economic citizens. Every year, during the second week of March, young people around the globe talk, play, create, sing, read, discuss and learn about saving, money, changing economic systems and building a financial future for youth. It is about joining together – children, youth, parents, organizations and entire communities - to start action to reshape finance, and give young people the tools to shape their own future. Global Money Week Global Money Week

11 EUROPEAN MONEY WEEK 11 marzo, 2015 N/A European Money Week is an initiative that aims to raise public awareness on financial literacy and improving financial education for students from elementary and secondary schools. The week consists of a series of events in the participating countries and at a European level. Ultimately, the objective is to improve the level of financial education in Europe. European Money Week is an initiative of the European Banking Federation, coordinated by the EBF Financial Education Project Group involving national banking associations from across Europe. EUROPEAN MONEY WEEK EUROPEAN MONEY WEEK Global Money Week 11 marzo, 2015 N/A Global Money Week is a worldwide celebration to empower the next generation to be confident, responsible and skilled economic citizens. Every year, during the second week of March, young people around the globe talk, play, create, sing, read, discuss and learn about saving, money, changing economic systems and building a financial future for youth. It is about joining together – children, youth, parents, organizations and entire communities - to start action to reshape finance, and give young people the tools to shape their own future. Global Money Week Global Money Week

12 EUROPEAN MONEY WEEK 12 marzo, 2015 N/A European Money Week is an initiative that aims to raise public awareness on financial literacy and improving financial education for students from elementary and secondary schools. The week consists of a series of events in the participating countries and at a European level. Ultimately, the objective is to improve the level of financial education in Europe. European Money Week is an initiative of the European Banking Federation, coordinated by the EBF Financial Education Project Group involving national banking associations from across Europe. EUROPEAN MONEY WEEK EUROPEAN MONEY WEEK Global Money Week 12 marzo, 2015 N/A Global Money Week is a worldwide celebration to empower the next generation to be confident, responsible and skilled economic citizens. Every year, during the second week of March, young people around the globe talk, play, create, sing, read, discuss and learn about saving, money, changing economic systems and building a financial future for youth. It is about joining together – children, youth, parents, organizations and entire communities - to start action to reshape finance, and give young people the tools to shape their own future. Global Money Week Global Money Week

13 Global Money Week 13 marzo, 2015 N/A Global Money Week is a worldwide celebration to empower the next generation to be confident, responsible and skilled economic citizens. Every year, during the second week of March, young people around the globe talk, play, create, sing, read, discuss and learn about saving, money, changing economic systems and building a financial future for youth. It is about joining together – children, youth, parents, organizations and entire communities - to start action to reshape finance, and give young people the tools to shape their own future. Global Money Week Global Money Week

14 Global Money Week 14 marzo, 2015 N/A Global Money Week is a worldwide celebration to empower the next generation to be confident, responsible and skilled economic citizens. Every year, during the second week of March, young people around the globe talk, play, create, sing, read, discuss and learn about saving, money, changing economic systems and building a financial future for youth. It is about joining together – children, youth, parents, organizations and entire communities - to start action to reshape finance, and give young people the tools to shape their own future. Global Money Week Global Money Week

15 Global Money Week 15 marzo, 2015 N/A Global Money Week is a worldwide celebration to empower the next generation to be confident, responsible and skilled economic citizens. Every year, during the second week of March, young people around the globe talk, play, create, sing, read, discuss and learn about saving, money, changing economic systems and building a financial future for youth. It is about joining together – children, youth, parents, organizations and entire communities - to start action to reshape finance, and give young people the tools to shape their own future. Global Money Week Global Money Week

16 Global Money Week 16 marzo, 2015 N/A Global Money Week is a worldwide celebration to empower the next generation to be confident, responsible and skilled economic citizens. Every year, during the second week of March, young people around the globe talk, play, create, sing, read, discuss and learn about saving, money, changing economic systems and building a financial future for youth. It is about joining together – children, youth, parents, organizations and entire communities - to start action to reshape finance, and give young people the tools to shape their own future. Global Money Week Global Money Week