{"id":4463,"date":"2025-02-08T11:02:44","date_gmt":"2025-02-08T17:02:44","guid":{"rendered":"https:\/\/q1dapyf5zv.onrocket.site\/?p=4463"},"modified":"2025-02-08T11:09:34","modified_gmt":"2025-02-08T17:09:34","slug":"8-pasos-para-hacer-un-presupuesto-personal","status":"publish","type":"post","link":"https:\/\/taxid.mx\/english\/8-pasos-para-hacer-un-presupuesto-personal\/","title":{"rendered":"8 steps to making a personal budget"},"content":{"rendered":"<p>Creating a personal finance budget is key to keeping track of your income and expenses, avoiding unnecessary debt, and achieving your financial goals. Here are the steps to creating an effective one:<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">1. <strong>Identify your income<\/strong><\/h3>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Add up all your monthly income, including salary, extra income, rent, investments, etc.<\/li>\n\n\n\n<li>If you have variable income, use an average of the last few months.<\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\">2. <strong>Record your expenses<\/strong><\/h3>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Divide your expenses into categories:\n<ul class=\"wp-block-list\">\n<li><strong>Fixed costs:<\/strong> Rent\/mortgage, utilities (electricity, water, internet), transportation, insurance.<\/li>\n\n\n\n<li><strong>Variable costs:<\/strong> Food, entertainment, personal shopping.<\/li>\n\n\n\n<li><strong>Occasional expenses:<\/strong> Vacations, car maintenance, gifts.<\/li>\n<\/ul>\n<\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\">3. <strong>Distinguishing between needs and desires<\/strong><\/h3>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Prioritize essential expenses and reduce non-essential ones if necessary.<\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\">4. <strong>Assign amounts and set limits<\/strong><\/h3>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Use the 50\/30\/20 rule as a guide:\n<ul class=\"wp-block-list\">\n<li><strong>50%<\/strong> for needs (rent, food, basic services).<\/li>\n\n\n\n<li><strong>30%<\/strong> for wishes (outings, subscriptions, hobbies).<\/li>\n\n\n\n<li><strong>20%<\/strong> for savings and investments.<\/li>\n<\/ul>\n<\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\">5. <strong>Include savings as a mandatory expense<\/strong><\/h3>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Save for emergencies (3-6 months of expenses).<\/li>\n\n\n\n<li>Consider investments to grow your money.<\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\">6. <strong>Follow-up and adjustments<\/strong><\/h3>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Use an Excel spreadsheet, a budgeting app, or a notebook.<\/li>\n\n\n\n<li>Review weekly or monthly to adjust expenses if necessary.<\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\">7. <strong>Reduce unnecessary expenses<\/strong><\/h3>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Cancel subscriptions you don&#039;t use.<\/li>\n\n\n\n<li>Compare prices before buying.<\/li>\n\n\n\n<li>Avoid impulse purchases.<\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\">8. <strong>Planning for financial goals<\/strong><\/h3>\n\n\n\n<ul class=\"wp-block-list\">\n<li>If you want to buy a house, pay off debts or invest, allocate a portion of your income to that goal.<\/li>\n<\/ul>\n\n\n\n<p>A personal finance budget is an essential tool for managing money efficiently, allowing you to prioritize needs, control expenses, and achieve financial goals. Including savings as a mandatory expense and constantly monitoring it helps maintain economic stability. Discipline and the use of digital tools can facilitate its implementation, allowing adjustments as needed. A good budget not only prevents unnecessary debt, but also provides financial security and facilitates the achievement of short- and long-term goals.<\/p>\n<span class=\"et_bloom_bottom_trigger\"><\/span>","protected":false},"excerpt":{"rendered":"<p>Making a personal finance budget is key to having control over your income and expenses, avoiding unnecessary debt, and achieving your financial goals. Here are the steps to creating an effective one: 1. Identify your income 2. Record your expenses 3. Distinguish between needs and desires 4. Assign amounts and set limits 5. Include [\u2026]<\/p>","protected":false},"author":5,"featured_media":4381,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_et_pb_use_builder":"off","_et_pb_old_content":"","_et_gb_content_width":"","_joinchat":[],"footnotes":""},"categories":[14,592,1],"tags":[],"class_list":["post-4463","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-emprendimiento","category-finanzas-personales","category-uncategorized"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v26.5 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>8 pasos para hacer un presupuesto personal - TAX ID<\/title>\n<meta name=\"description\" content=\"Aprende en 8 pasos a hacer tu presupuesto personal, controla tus finanzas y alcanza tus metas sin estr\u00e9s. \u00a1Organiza tu dinero!\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/taxid.mx\/english\/8-pasos-para-hacer-un-presupuesto-personal\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"8 pasos para hacer un presupuesto personal - 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