10/04/2015 – ¿Cuánto gastamos cada mes? ¿Podríamos gastar aún menos? El estudio realizado por Kelisto.es nos dice que una familia media española pierde la oportunidad de recortar hasta 2.200€ cada año en sus gastos.
Una economía doméstica gasta 14.844 euros al año en las facturas de luz,agua, calefacción, gas, etc. Esta cantidad se puede reducir estadísticamente en un 15% si se contratan a los proveedores más económicos. En algunos casos, el ahorro puede rondar el 30% lo que supondría pagar 4.200 euros menos al año.
Informes como ése demuestran que existe la posibilidad de ahorrar, pero muchas veces, se desaprovecha por desconocimiento o simple pereza a la hora de comparar opciones. Crear hábito de ahorro puede resultar complicado, pero hay algunas pequeñas reglas que ofrecen el impulso para gestionar mejor la economía familiar.
Los expertos en finanzas no tienen fórmulas mágicas para el ahorro, pero sí hay ciertas directrices que suelen tener en común. Fintonic ha recopilado algunos consejos para ahorrar.
Engáñate a ti mismo para ahorrar
Existe un concepto llamado ‘contabilidad mental’ que usan algunos asesores: es el mecanismo que se activa, casi de forma inconsciente, cuando nos encontramos ante una cantidad que acabamos de ingresar. Se empieza a pensar qué tanto por ciento se gastara en A, qué porcentaje se irá a B…
Se trata de adelantar a los propios cálculos y dejar siempre un remanente, es decir, una cantidad fija. Lo que aconsejan los expertos ante un cobro es desviar una parte a otra cuenta corriente o a algún producto financiero. Es una cuestión de disciplina y también de fe en uno mismo, ya que cuando pasen seis meses o un año y se vea lo que hemos ahorrado haciéndonos trampas a nosotros mismos, nos sorprenderá.
Otra forma de auto-engañarse está en un uso más responsable de las tarjetas de crédito: redúcirlas a una sola. Se puede gestionar perfectamente usando una tarjeta de débito y otra de crédito.
Una familia media española pierde la oportunidad de recortar hasta 2.200€ cada año en sus gastos.
Haz dinero con lo que te apasiona
Haz de la devoción por algún hobby, una fuente extra de ingresos. Hay cientos de ejemplos de cómo el blog o el canal de Youtube de un aficionado se ha acabado convirtiendo en un método de financiación.
Además puede proporcionar nuevas oportunidades laborales: conocer gente con gustos en común, y cualquier gasto relacionado con el hobby se ve como una inversión.
Ahorrar cuanto antes y en pequeñas cantidades
Lo que aconsejan los expertos es destinar al ahorro entre un 10 y un 20% de las ganancias desde el momento en que se dispongan de ellas . Las últimas cifras al respecto del INE, indican que a día de hoy un hogar medio español ahorra un 10,5% de sus ingresos, apenas medio punto porcentual más del mínimo aconsejable.
La forma más sencilla de ahorrar, además de ser una cuestión de ‘educación financiera’ transmitida de padres a hijos, es hacerlo poco a poco.
Automatizar la forma de ahorrar
Las nuevas tecnologías pueden ayudar a ahorrar con mecanismos simples y intuitivos. El más útil es la transferencia periódica. Por ejemplo, si se cobra el día 1, programar una pequeña transferencia el día siguiente a otra cuenta destinada sólo al ahorro.
Otra herramienta gratuita muy útil para los ahorradores es Fintonic. Esta herramienta, además de categorizar los movimientos de todos tus bancos y tarjetas automáticamente y mandar alertas cuando detecte anomalías en las cuentas (cobro de comisiones, recibos duplicados…), permite gestionar desde la web o desde el smartphone pequeños objetivos de ahorro de forma que hacerlo no suponga un quebradero de cabeza. La clave es idear presupuestos realistas y metas de ahorro que se puedan asumir.
Curso impartido por Juan Isidoro Ciruelos. Voluntariado Ibercaja.
A través de estos talleres, con un lenguaje sencillo y accesible y sin necesidad de conocimiento previo, explicaremos las nociones básicas a tener en cuenta para manejar las finanzas domésticas. También se darán las claves para analizar la propia situación personal y todo lo que debemos saber para invertir nuestro dinero, pedir un préstamo, aprender a utilizar la banca online de forma segura, ahorrar para la jubilación, planificar mensualmente nuestros ingresos y gastos, etc.
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.
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.
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
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.
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.
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.
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.
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.
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 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 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 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 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.
Curso: Financiación, comercio electrónico seguro y tus derechos como consumidor financiero (IBERCAJA OBRA SOCIAL)
