{"id":2558,"date":"2019-01-30T06:34:25","date_gmt":"2019-01-30T12:34:25","guid":{"rendered":"http:\/\/payment1.flywheelsites.com\/?p=2558"},"modified":"2026-06-23T02:16:17","modified_gmt":"2026-06-23T02:16:17","slug":"como-evitar-endeudarse-demasiado","status":"publish","type":"post","link":"https:\/\/payment1.com\/es\/2019\/01\/how-to-avoid-getting-deep-in-debt\/","title":{"rendered":"C\u00f3mo evitar las deudas: pasos proactivos para tomar ahora"},"content":{"rendered":"<p><span style=\"font-weight: 400;\">Seg\u00fan lo m\u00e1s reciente <\/span><a href=\"https:\/\/www.experian.com\/blogs\/ask-experian\/consumer-credit-review\/#s4\"><span style=\"font-weight: 400;\">Datos de Experian<\/span><\/a><span style=\"font-weight: 400;\">, el estadounidense promedio tiene un saldo de deuda de $96,371. Esto representa un aumento de 3.9% con respecto al promedio de $92,727 registrado en 2020, debido principalmente al aumento de los saldos de las hipotecas y los pr\u00e9stamos para la compra de autom\u00f3viles.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">La deuda es una realidad de la vida. Cada etapa importante de la adultez requiere alguna forma de deuda, desde pr\u00e9stamos estudiantiles hasta hipotecas. No es de extra\u00f1ar que la mayor\u00eda de los adultos est\u00e9n sepultados en ella, lo que causa una ansiedad significativa. Temen el d\u00eda en que lleguen sus facturas, temerosos de las palabras \u201cimpago\u201d y \u201crecargos por demora\u201d.\u201d<\/span><\/p>\n<p><span style=\"font-weight: 400;\">En el mundo actual de deudas crecientes, \u00bfc\u00f3mo puedes evitar hundirte en este profundo y oscuro agujero? Aqu\u00ed tienes algunas cosas esenciales que debes recordar para mantenerte fuera de las deudas.<\/span><\/p>\n<h2><span style=\"font-weight: 400;\">C\u00f3mo evitar caer en un profundo hoyo de deuda<\/span><\/h2>\n<p><span style=\"font-weight: 400;\">Evitar la deuda<\/span><span style=\"font-weight: 400;\"> implica tomar medidas proactivas para administrar bien tus finanzas y mantener esas buenas pr\u00e1cticas durante toda tu vida. Aqu\u00ed tienes consejos sencillos sobre <\/span><span style=\"font-weight: 400;\">C\u00f3mo evitar deudas<\/span><span style=\"font-weight: 400;\">.<\/span><\/p>\n<h3><span style=\"font-weight: 400;\">Vive dentro de tus posibilidades<\/span><\/h3>\n<p><span style=\"font-weight: 400;\">Si te tomas en serio <\/span><span style=\"font-weight: 400;\">evitar deudas<\/span><span style=\"font-weight: 400;\">, entonces aprende a vivir dentro de tus posibilidades. Solo gasta el dinero que tengas y que puedas permitirte perder. <\/span><span style=\"font-weight: 400;\">No compres algo sin tarjeta de cr\u00e9dito si no puedes pagarlo. Tener una tarjeta de cr\u00e9dito puede darnos la ilusi\u00f3n de que podemos comprar cosas que no podemos pagar, lo que nos lleva al siguiente punto.<\/span><\/p>\n<h3><span style=\"font-weight: 400;\">L\u00edmita la cantidad de tarjetas de cr\u00e9dito que usas<\/span><\/h3>\n<p><span style=\"font-weight: 400;\">Lim\u00edtate a una o dos. Tener varias tarjetas de cr\u00e9dito significa m\u00e1s pagos a considerar y m\u00e1s intereses a pagar. Y cuantas m\u00e1s compras acumules en cada tarjeta, m\u00e1s te alejar\u00e1s de mantenerte al d\u00eda con tu presupuesto y metas financieras.\u00a0<\/span><\/p>\n<h3><span style=\"font-weight: 400;\">Paga tus saldos de tarjetas de cr\u00e9dito en su totalidad cada mes<\/span><\/h3>\n<p><span style=\"font-weight: 400;\">Una buena pr\u00e1ctica es saldar tus saldos mensuales de tarjetas de cr\u00e9dito. Digamos que compraste algo con tu tarjeta de cr\u00e9dito para obtener recompensas; aseg\u00farate de pagar tu saldo total al final del mes. Adem\u00e1s, evita usar tu tarjeta de cr\u00e9dito para adelantos en efectivo. La tasa de inter\u00e9s anual (APR) es m\u00e1s alta en estos que en compras regulares, y es probable que te cobren una comisi\u00f3n.<\/span><\/p>\n<h3><span style=\"font-weight: 400;\">S\u00e9 frugal<\/span><\/h3>\n<p><span style=\"font-weight: 400;\">Preg\u00fantate: \u00bfnecesitas ese caf\u00e9 con leche tan caro? \u00bfO ese tel\u00e9fono nuevo y costoso? \u00bfTienes que comer fuera, por tercera noche esta semana? Siempre pi\u00e9nsalo dos veces antes de usar esa tarjeta o buscar dinero en efectivo. Prepara tu taza de caf\u00e9, prepara tus comidas, investiga y opta por alternativas menos costosas.\u00a0<\/span><\/p>\n<h3><span style=\"font-weight: 400;\">Tener un presupuesto mensual<\/span><\/h3>\n<p><span style=\"font-weight: 400;\">Es crucial operar con un presupuesto. Te ayudar\u00e1 a evitar gastar de m\u00e1s e incluso te ayudar\u00e1 a <\/span><a href=\"https:\/\/payment1.com\/es\/2019\/04\/18\/como-ahorrar-dinero-mientras-estas-en-la-universidad\/\"><span style=\"font-weight: 400;\">empieza tus ahorros<\/span><\/a><span style=\"font-weight: 400;\">. Tener un presupuesto tambi\u00e9n te obligar\u00e1 a hacer un seguimiento de tus gastos y facturas. Monitorea tus gastos en una hoja de c\u00e1lculo o a trav\u00e9s de una aplicaci\u00f3n, y mant\u00e9n todo actualizado. De esta manera, puedes asegurarte de realizar pagos completos a tiempo de todas tus cuentas, especialmente si tienes varias cuentas y tarjetas.\u00a0<\/span><\/p>\n<h3><span style=\"font-weight: 400;\">Crea un fondo de emergencia<\/span><\/h3>\n<p><span style=\"font-weight: 400;\">Si pierdes tu trabajo o sufres una lesi\u00f3n grave que te impida trabajar, necesitas un respaldo. La mejor pr\u00e1ctica es ahorrar al menos seis meses de tu salario mensual. Tener un fondo de emergencia de respaldo es uno de los mejores consejos sobre <\/span><span style=\"font-weight: 400;\">C\u00f3mo evitar deudas<\/span><span style=\"font-weight: 400;\">. Los gastos inesperados son una de las principales razones por las que nuestras deudas se acumulan y se vuelven inmanejables. Recurrimos a nuestras tarjetas de cr\u00e9dito cuando nuestro coche se aver\u00eda de repente, o una mascota necesita atenci\u00f3n m\u00e9dica inmediata. Tener dinero guardado para emergencias puede evitar que adquieras nuevas deudas cada vez que surge una crisis financiera.<\/span><\/p>\n<h3><span style=\"font-weight: 400;\">Evita la inflaci\u00f3n del estilo de vida<\/span><\/h3>\n<p><span style=\"font-weight: 400;\">A medida que tu salario aumente a lo largo de los a\u00f1os, aseg\u00farate de que tus gastos no lo hagan. Muchas personas caen en la costumbre de gastar m\u00e1s solo porque tienen m\u00e1s para gastar. Vive del salario m\u00e1s bajo que ten\u00edas anteriormente y ahorra el resto para los d\u00edas lluviosos.\u00a0<\/span><\/p>\n<h2><span style=\"font-weight: 400;\">Qu\u00e9 hacer si ya est\u00e1s ahogado en deudas<\/span><\/h2>\n<h3><span style=\"font-weight: 400;\">Paga al menos el m\u00ednimo, pero si es posible, paga m\u00e1s de eso<\/span><\/h3>\n<p><span style=\"font-weight: 400;\">Las deudas de tarjetas de cr\u00e9dito, especialmente las impagas, crecen muy r\u00e1pido debido a las altas tasas de inter\u00e9s y a los cargos por mora. Haz un esfuerzo por pagar al menos el m\u00ednimo. Si puedes permitirte pagar m\u00e1s, hazlo. Esto te ayudar\u00e1 a reducir lentamente tu deuda de tarjeta de cr\u00e9dito y no solo a evitar el incumplimiento de pago.<\/span><\/p>\n<h3><span style=\"font-weight: 400;\">Ap\u00e9gate a tu presupuesto<\/span><\/h3>\n<p><span style=\"font-weight: 400;\">Al hacer un presupuesto, recuerda que tus gastos b\u00e1sicos deben ir primero: comida, servicios p\u00fablicos, vivienda y transporte. Podr\u00edas sentirte tentado a pagar tus deudas primero, pero si tus necesidades b\u00e1sicas no son priorizadas, podr\u00edas caer en una deuda m\u00e1s profunda.\u00a0<\/span><\/p>\n<h3><span style=\"font-weight: 400;\">Aumenta tus ingresos<\/span><\/h3>\n<p><span style=\"font-weight: 400;\">Considera tomar un segundo empleo o empezar un proyecto secundario para aumentar tus ingresos mensuales. Trabajar todo el d\u00eda no es lo ideal, pero si tienes la meta de quedar libre de deudas lo antes posible, es un sacrificio que vale la pena. Ya sea tomando un trabajo temporal en tu escuela local o conduciendo para Uber o Lyft, cualquier aumento en tus ingresos puede ayudarte a encaminarte.<\/span><\/p>\n<h3><span style=\"font-weight: 400;\">Comienza bola de nieve de deudas<\/span><\/h3>\n<p><span style=\"font-weight: 400;\">El m\u00e9todo de la \"bola de nieve\" es una de las formas m\u00e1s populares de abordar las deudas. Comienza con tu bola de nieve de deudas enumerando tus deudas de menor a mayor. Contin\u00faa pagando los pagos m\u00ednimos en todas las deudas excepto en la m\u00e1s peque\u00f1a. Ataca la deuda m\u00e1s peque\u00f1a con todo lo que tengas y term\u00ednala de pagar lo antes posible. Cuando est\u00e9 pagada, pasa a la siguiente deuda m\u00e1s grande. Mant\u00e9n la bola de nieve rodando hasta que est\u00e9s libre de deudas.<\/span><\/p>\n<h2><span style=\"font-weight: 400;\">En resumen<\/span><\/h2>\n<p><span style=\"font-weight: 400;\">Evitar la deuda<\/span><span style=\"font-weight: 400;\"> puede ser casi imposible, pero hay maneras de evitar caer en un profundo agujero de deuda. Hacer tu debida diligencia al mantener un presupuesto y pagar tus saldos en su totalidad cada mes son algunas de las mejores pr\u00e1cticas. <\/span><span style=\"font-weight: 400;\">C\u00f3mo evitar deudas<\/span><span style=\"font-weight: 400;\"> agujeros. Por otro lado, ten la esperanza de que si ya est\u00e1s en uno, pero tambi\u00e9n hay mucho trabajo y sacrificios.\u00a0<\/span><\/p>\n<p><a href=\"https:\/\/payment1.com\/es\/2022\/08\/03\/consolidacion-de-deuda-vs-bancarrota-cual-es-la-mejor-opcion\/\"><span style=\"font-weight: 400;\">Consolidaci\u00f3n de deudas<\/span><\/a><span style=\"font-weight: 400;\"> es otra forma de abordar m\u00faltiples deudas. Si est\u00e1s considerando esta opci\u00f3n, nuestro equipo de expertos en Payment1 puede proporcionarte la informaci\u00f3n necesaria y ayudarte a analizar tus opciones. <\/span><a href=\"https:\/\/payment1.com\/es\/contact-us\/\"><span style=\"font-weight: 400;\">Hable hoy con nuestro equipo de expertos en pr\u00e9stamos<\/span><\/a><span style=\"font-weight: 400;\">!<\/span><\/p>","protected":false},"excerpt":{"rendered":"<p>According to the most recent Experian data, the average American has a debt balance of $96,371. This is up 3.9% from the average $92,727 in 2020, primarily due to rising mortgage and auto loan balances. Debt is a fact of life. Every milestone of adulthood requires some form of debt, from student loans to mortgages. [&hellip;]<\/p>\n","protected":false},"author":7,"featured_media":51461,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[28,30,38],"tags":[111,113,104],"class_list":["post-2558","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-articles","category-personal-loans","category-promotions","tag-budgeting-tips","tag-financial-education","tag-personal-loans"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v28.1 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>How To Avoid Debt: Proactive Steps To Take Now - Payment 1<\/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:\/\/payment1.com\/es\/2019\/01\/como-evitar-endeudarse-demasiado\/\" \/>\n<meta property=\"og:locale\" content=\"es_MX\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"How To Avoid Debt: Proactive Steps To Take Now - Payment 1\" \/>\n<meta property=\"og:description\" content=\"According to the most recent Experian data, the average American has a debt balance of $96,371. This is up 3.9% from the average $92,727 in 2020, primarily due to rising mortgage and auto loan balances. Debt is a fact of life. Every milestone of adulthood requires some form of debt, from student loans to mortgages. [&hellip;]\" \/>\n<meta property=\"og:url\" content=\"https:\/\/payment1.com\/es\/2019\/01\/como-evitar-endeudarse-demasiado\/\" \/>\n<meta property=\"og:site_name\" content=\"Payment 1\" \/>\n<meta property=\"article:publisher\" content=\"https:\/\/www.facebook.com\/Payment1Financial\" \/>\n<meta property=\"article:published_time\" content=\"2019-01-30T12:34:25+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2026-06-23T02:16:17+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/payment1.com\/wp-content\/uploads\/2019\/01\/pexels-mikhail-nilov-6964107-scaled-1.jpg\" \/>\n\t<meta property=\"og:image:width\" content=\"2560\" \/>\n\t<meta property=\"og:image:height\" content=\"1707\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/jpeg\" \/>\n<meta name=\"author\" content=\"Bendon Gaddy\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:label1\" content=\"Escrito por\" \/>\n\t<meta name=\"twitter:data1\" content=\"Bendon Gaddy\" \/>\n\t<meta name=\"twitter:label2\" content=\"Tiempo de lectura\" \/>\n\t<meta name=\"twitter:data2\" content=\"5 minutos\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\\\/\\\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\\\/\\\/payment1.com\\\/2019\\\/01\\\/how-to-avoid-getting-deep-in-debt\\\/#article\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/payment1.com\\\/2019\\\/01\\\/how-to-avoid-getting-deep-in-debt\\\/\"},\"author\":{\"name\":\"Bendon Gaddy\",\"@id\":\"https:\\\/\\\/payment1.com\\\/#\\\/schema\\\/person\\\/50f1639f35a81c60bcfce25db2cae621\"},\"headline\":\"How To Avoid Debt: Proactive Steps To Take Now\",\"datePublished\":\"2019-01-30T12:34:25+00:00\",\"dateModified\":\"2026-06-23T02:16:17+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\\\/\\\/payment1.com\\\/2019\\\/01\\\/how-to-avoid-getting-deep-in-debt\\\/\"},\"wordCount\":1040,\"publisher\":{\"@id\":\"https:\\\/\\\/payment1.com\\\/#organization\"},\"image\":{\"@id\":\"https:\\\/\\\/payment1.com\\\/2019\\\/01\\\/how-to-avoid-getting-deep-in-debt\\\/#primaryimage\"},\"thumbnailUrl\":\"https:\\\/\\\/payment1.com\\\/wp-content\\\/uploads\\\/2019\\\/01\\\/pexels-mikhail-nilov-6964107-scaled-1.jpg\",\"keywords\":[\"Budgeting Tips\",\"Financial Education\",\"Personal Loans\"],\"articleSection\":[\"Articles\",\"Personal Loan\",\"Promotions\"],\"inLanguage\":\"es\"},{\"@type\":\"WebPage\",\"@id\":\"https:\\\/\\\/payment1.com\\\/2019\\\/01\\\/how-to-avoid-getting-deep-in-debt\\\/\",\"url\":\"https:\\\/\\\/payment1.com\\\/2019\\\/01\\\/how-to-avoid-getting-deep-in-debt\\\/\",\"name\":\"How To Avoid Debt: Proactive Steps To Take Now - Payment 1\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/payment1.com\\\/#website\"},\"primaryImageOfPage\":{\"@id\":\"https:\\\/\\\/payment1.com\\\/2019\\\/01\\\/how-to-avoid-getting-deep-in-debt\\\/#primaryimage\"},\"image\":{\"@id\":\"https:\\\/\\\/payment1.com\\\/2019\\\/01\\\/how-to-avoid-getting-deep-in-debt\\\/#primaryimage\"},\"thumbnailUrl\":\"https:\\\/\\\/payment1.com\\\/wp-content\\\/uploads\\\/2019\\\/01\\\/pexels-mikhail-nilov-6964107-scaled-1.jpg\",\"datePublished\":\"2019-01-30T12:34:25+00:00\",\"dateModified\":\"2026-06-23T02:16:17+00:00\",\"breadcrumb\":{\"@id\":\"https:\\\/\\\/payment1.com\\\/2019\\\/01\\\/how-to-avoid-getting-deep-in-debt\\\/#breadcrumb\"},\"inLanguage\":\"es\",\"potentialAction\":[{\"@type\":\"ReadAction\",\"target\":[\"https:\\\/\\\/payment1.com\\\/2019\\\/01\\\/how-to-avoid-getting-deep-in-debt\\\/\"]}]},{\"@type\":\"ImageObject\",\"inLanguage\":\"es\",\"@id\":\"https:\\\/\\\/payment1.com\\\/2019\\\/01\\\/how-to-avoid-getting-deep-in-debt\\\/#primaryimage\",\"url\":\"https:\\\/\\\/payment1.com\\\/wp-content\\\/uploads\\\/2019\\\/01\\\/pexels-mikhail-nilov-6964107-scaled-1.jpg\",\"contentUrl\":\"https:\\\/\\\/payment1.com\\\/wp-content\\\/uploads\\\/2019\\\/01\\\/pexels-mikhail-nilov-6964107-scaled-1.jpg\",\"width\":2560,\"height\":1707,\"caption\":\"A man and a woman calculating their bills and debts\"},{\"@type\":\"BreadcrumbList\",\"@id\":\"https:\\\/\\\/payment1.com\\\/2019\\\/01\\\/how-to-avoid-getting-deep-in-debt\\\/#breadcrumb\",\"itemListElement\":[{\"@type\":\"ListItem\",\"position\":1,\"name\":\"Home\",\"item\":\"https:\\\/\\\/payment1.com\\\/\"},{\"@type\":\"ListItem\",\"position\":2,\"name\":\"How To Avoid Debt: Proactive Steps To Take Now\"}]},{\"@type\":\"WebSite\",\"@id\":\"https:\\\/\\\/payment1.com\\\/#website\",\"url\":\"https:\\\/\\\/payment1.com\\\/\",\"name\":\"Payment 1\",\"description\":\"Personal &amp; 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This is up 3.9% from the average $92,727 in 2020, primarily due to rising mortgage and auto loan balances. Debt is a fact of life. Every milestone of adulthood requires some form of debt, from student loans to mortgages. 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