{"id":4621,"date":"2022-02-03T17:14:12","date_gmt":"2022-02-03T22:14:12","guid":{"rendered":"https:\/\/autenticatv.pe\/?p=4621"},"modified":"2022-02-03T17:14:12","modified_gmt":"2022-02-03T22:14:12","slug":"economia-familiar-que-son-los-gastos-hormiga-y-como-podemos-evitarlos","status":"publish","type":"post","link":"https:\/\/autenticatv.pe\/?p=4621","title":{"rendered":"ECONOM\u00cdA FAMILIAR: \u00bfQU\u00c9 SON LOS GASTOS HORMIGA Y C\u00d3MO PODEMOS EVITARLOS?"},"content":{"rendered":"<p style=\"text-align: justify;\"><em>\u201cMientras m\u00e1s ganas, m\u00e1s gastas\u201d, <\/em>aunque muchos piensen lo contrario; este refr\u00e1n podr\u00eda ser la pesadilla de algunas personas que no saben c\u00f3mo administrar su dinero y se ven acorralados por los gastos hormiga.<\/p>\n<p style=\"text-align: justify;\">Pero, \u00bfQu\u00e9 son estos y de qu\u00e9 forma pueden representar un peso importante en nuestro balance econ\u00f3mico familiar?<\/p>\n<p style=\"text-align: justify;\">Se le llama <em>\u201cgastos hormiga\u201d<\/em> a aquella salida de dinero que individualmente podr\u00eda ser insignificante, pero que sumados pueden representar parte sustancial del presupuesto mensual.<\/p>\n<p style=\"text-align: justify;\"><em>Aunque inicialmente podr\u00eda <\/em>no atentar contra nuestra econom\u00eda, estos gastos consolidados, podr\u00edan causar un sobre endeudamiento, por esa raz\u00f3n, es importante aprender a detectarlos para evitarlos en el futuro.<\/p>\n<p style=\"text-align: justify;\">\u201cAl ser peque\u00f1os gastos, podr\u00edan no representar diferencia a la hora de un balance econ\u00f3mico; hablamos desde caf\u00e9s para la oficina, snacks, suscripciones en l\u00ednea, compras por internet o los pastelitos de la esquina, que individualmente implican montos casi insignificantes, haciendo que asumamos sin querer estos gastos hormiga con demasiada facilidad\u201d, <em><strong>mencion\u00f3 Tony Pereyra Gonzales, docente de la escuela profesional de Administraci\u00f3n de la Universidad C\u00e9sar Vallejo de Moyobamba<\/strong><\/em>.<\/p>\n<p style=\"text-align: justify;\">Para ayudar a los consumidores a evitar este tipo de gastos, el docente brind\u00f3 algunas recomendaciones:<\/p>\n<ul style=\"text-align: justify;\">\n<li>Arma un presupuesto y c\u00ed\u00f1ete a \u00e9l, teniendo en cuenta tus ingresos, gastos fijos y recurrentes. Luego identifica cu\u00e1les son los gastos hormigas que realizas frecuentemente y dale un orden de importancia pregunt\u00e1ndote \u201c\u00bfes realmente necesario?\u201d.<\/li>\n<li>Realizar un presupuesto de ingresos y egresos es una herramienta de vital importancia en la econom\u00eda. Esto te ayudar\u00e1 a definir cu\u00e1les son tus necesidades y diferenciarlas de los deseos, caprichos y lujos. Toma nota de todos los gastos que hagas en el d\u00eda, por lo menos uno o dos meses, (puedes ayudarte de apps u otras herramientas digitales) y establece un orden de importancia y prioridades.<\/li>\n<li>Antes de salir de compras, arma una lista, para que puedas evitar la improvisaci\u00f3n o los gastos por impulso, sobre todo, evita realizar compras si est\u00e1s con hambre, pues por antojo comprar\u00e1s m\u00e1s comida de la necesaria.<\/li>\n<li>Debes tener una lista de todos los servicios personales y del hogar que te generen un gasto mensual, esto para constatar que realmente est\u00e9s pagando por un servicio que usas; por ejemplo, puede que est\u00e9s pagando por alguna app o suscripci\u00f3n y solo lo usas un par de veces al mes o quiz\u00e1s no la usas.<\/li>\n<li>Luego de identificar los gastos innecesarios, monitorea frecuentemente tu patr\u00f3n de gastos y tu comportamiento financiero, solo as\u00ed podr\u00e1s determinar si estas\u00a0utilizando los cambios que te comprometiste a hacer o si has adquirido otros gastos hormiga.<\/li>\n<\/ul>\n<p style=\"text-align: justify;\">\u201cLos peruanos somos muy propensos a realizar gastos hormiga. Las personas, sobre todo los j\u00f3venes, agendan reuniones y encuentros con amigos en restaurantes de manera reiterativa. Es importante saber establecer un l\u00edmite para estos \u2018gustitos\u2019 y ahorrar\u201d, mencion\u00f3 el especialista de la <em><strong>UCV<\/strong><\/em>.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>\u201cMientras m\u00e1s ganas, m\u00e1s gastas\u201d, aunque muchos piensen lo contrario; este refr\u00e1n podr\u00eda ser la pesadilla de algunas personas que no saben c\u00f3mo administrar su dinero y se ven acorralados por los gastos hormiga. Pero, \u00bfQu\u00e9 son estos y de qu\u00e9 forma pueden representar un peso importante en nuestro balance econ\u00f3mico familiar? Se le llama [&hellip;]<\/p>\n","protected":false},"author":2,"featured_media":4622,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[1],"tags":[],"class_list":["post-4621","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-autentica-tv"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.9 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>ECONOM\u00cdA FAMILIAR: \u00bfQU\u00c9 SON LOS GASTOS HORMIGA Y C\u00d3MO PODEMOS EVITARLOS? - Aut\u00e9ntica Televisi\u00f3n<\/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:\/\/autenticatv.pe\/?p=4621\" \/>\n<meta property=\"og:locale\" content=\"es_ES\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"ECONOM\u00cdA FAMILIAR: \u00bfQU\u00c9 SON LOS GASTOS HORMIGA Y C\u00d3MO PODEMOS EVITARLOS? - Aut\u00e9ntica Televisi\u00f3n\" \/>\n<meta property=\"og:description\" content=\"\u201cMientras m\u00e1s ganas, m\u00e1s gastas\u201d, aunque muchos piensen lo contrario; este refr\u00e1n podr\u00eda ser la pesadilla de algunas personas que no saben c\u00f3mo administrar su dinero y se ven acorralados por los gastos hormiga. 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