{"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>Hacer un presupuesto de finanzas personales es clave para tener control sobre tus ingresos y gastos, evitar deudas innecesarias y alcanzar tus metas financieras. Aqu\u00ed te explico los pasos para crear uno efectivo: 1. Identificar tus ingresos 2. Registrar tus gastos 3. Distinguir entre necesidades y deseos 4. Asignar montos y establecer l\u00edmites 5. Incluir [&hellip;]<\/p>\n","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 v27.5 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\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 - TAX ID\" \/>\n<meta property=\"og: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 property=\"og:url\" content=\"https:\/\/taxid.mx\/english\/8-pasos-para-hacer-un-presupuesto-personal\/\" \/>\n<meta property=\"og:site_name\" content=\"TAX ID\" \/>\n<meta property=\"article:published_time\" content=\"2025-02-08T17:02:44+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2025-02-08T17:09:34+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/taxid.mx\/wp-content\/uploads\/2025\/01\/Basicos-de-la-contabilidad-de-un-negocio.jpg\" \/>\n\t<meta property=\"og:image:width\" content=\"1000\" \/>\n\t<meta property=\"og:image:height\" content=\"792\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/jpeg\" \/>\n<meta name=\"author\" content=\"Hector Galicia\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:label1\" content=\"Written by\" \/>\n\t<meta name=\"twitter:data1\" content=\"Hector Galicia\" \/>\n\t<meta name=\"twitter:label2\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data2\" content=\"2 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\\\/\\\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\\\/\\\/taxid.mx\\\/8-pasos-para-hacer-un-presupuesto-personal\\\/#article\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/taxid.mx\\\/8-pasos-para-hacer-un-presupuesto-personal\\\/\"},\"author\":{\"name\":\"Hector Galicia\",\"@id\":\"https:\\\/\\\/taxid.mx\\\/#\\\/schema\\\/person\\\/d796450ab786b849a1900b58ccbabf89\"},\"headline\":\"8 pasos para hacer un presupuesto personal\",\"datePublished\":\"2025-02-08T17:02:44+00:00\",\"dateModified\":\"2025-02-08T17:09:34+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\\\/\\\/taxid.mx\\\/8-pasos-para-hacer-un-presupuesto-personal\\\/\"},\"wordCount\":315,\"commentCount\":0,\"image\":{\"@id\":\"https:\\\/\\\/taxid.mx\\\/8-pasos-para-hacer-un-presupuesto-personal\\\/#primaryimage\"},\"thumbnailUrl\":\"https:\\\/\\\/taxid.mx\\\/wp-content\\\/uploads\\\/2025\\\/01\\\/Basicos-de-la-contabilidad-de-un-negocio.jpg\",\"articleSection\":[\"Emprendimiento\",\"Finanzas personales\"],\"inLanguage\":\"en-US\",\"potentialAction\":[{\"@type\":\"CommentAction\",\"name\":\"Comment\",\"target\":[\"https:\\\/\\\/taxid.mx\\\/8-pasos-para-hacer-un-presupuesto-personal\\\/#respond\"]}]},{\"@type\":\"WebPage\",\"@id\":\"https:\\\/\\\/taxid.mx\\\/8-pasos-para-hacer-un-presupuesto-personal\\\/\",\"url\":\"https:\\\/\\\/taxid.mx\\\/8-pasos-para-hacer-un-presupuesto-personal\\\/\",\"name\":\"8 pasos para hacer un presupuesto personal - 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