A menudo me preguntan qu\u00e9 es el patrimonio neto y por qu\u00e9 conocerlo es tan importante para mi salud financiera.\u00a0<\/p>\n\n\n\n
El patrimonio neto es una medida de la riqueza. En concreto, es el total de lo que posee menos el total de lo que debe. Puede calcular su patrimonio neto restando sus pasivos (deudas, pr\u00e9stamos) de sus activos (efectivo, propiedades, inversiones). Si sus activos superan a sus pasivos, tendr\u00e1 un patrimonio neto positivo. Si el pasivo supera al activo, el patrimonio neto es negativo.\u00a0<\/p>\n\n\n\n
Perm\u00edtame darle algunas razones por las que conocer su patrimonio neto es importante.<\/p>\n\n\n\n
Comprobaci\u00f3n de la realidad<\/strong> - Ver los resultados del c\u00e1lculo de su patrimonio neto le obliga a enfrentarse a la realidad de su situaci\u00f3n financiera. Revisar su patrimonio neto a lo largo del tiempo puede ayudarle a determinar d\u00f3nde se encuentra y c\u00f3mo llegar a donde quiere estar. Esto puede animarle cuando vaya en la direcci\u00f3n correcta, por ejemplo reduciendo deudas y aumentando activos, y darle un toque de atenci\u00f3n si no va por buen camino.<\/p>\n\n\n\n Identifica las \u00e1reas de gasto excesivo<\/strong> - Just because you can afford something doesn't mean you have to buy it. To keep debt from accumulating unnecessarily, consider if something is a need or a want before you make a purchase. To reduce unnecessary spending and debt, your needs should represent the majority of your spending. Keep in mind that you can falsely rationalize a want as a need. That $500 pair of shoes does fulfill a need for footwear, but a less expensive pair will do just fine and keep you headed in the right financial direction.\u00a0<\/p>\n\n\n\n Fomenta la reducci\u00f3n de la deuda<\/strong> - Reviewing your assets and liabilities can help you develop a plan for paying down debt. When in doubt, crunch the numbers to see if it makes financial sense to pay down a certain debt versus saving the cash, which you might need for emergencies.<\/p>\n\n\n\n Ayuda a la aprobaci\u00f3n de pr\u00e9stamos<\/strong> - Lenders are often interested in knowing your net worth when determining whether to approve you for a loan, as it is the best measure of overall financial strength.\u00a0<\/p>\n\n\n\n Calculating your net worth can be an intimidating experience, particularly if your net worth is low or negative. However, net worth isn\u2019t stagnant. It is simply a number that you can continue to change in the future.\u00a0 If your net worth isn\u2019t where you want, let it motivate you to save and invest more, but spend less. If your net worth calculation shows that you are on track to meet your financial goals, be encouraged and continue what you're doing. Until next week, stay financially fit!<\/p>","protected":false},"excerpt":{"rendered":" I am often asked what is net worth and why knowing it so important to my financial health?\u00a0 Net worth is a measure of wealth. Specifically, it is the total of what you own minus the total of what you owe.\u00a0 You can calculate your net worth by subtracting your liabilities (debts, loans) from your […]<\/p>\n","protected":false},"author":3,"featured_media":20875,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[27,172],"tags":[],"class_list":["post-21087","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-blog","category-financial-fitness"],"acf":[],"_links":{"self":[{"href":"https:\/\/staging.banksouthern.com\/es\/wp-json\/wp\/v2\/posts\/21087","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/staging.banksouthern.com\/es\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/staging.banksouthern.com\/es\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/staging.banksouthern.com\/es\/wp-json\/wp\/v2\/users\/3"}],"replies":[{"embeddable":true,"href":"https:\/\/staging.banksouthern.com\/es\/wp-json\/wp\/v2\/comments?post=21087"}],"version-history":[{"count":3,"href":"https:\/\/staging.banksouthern.com\/es\/wp-json\/wp\/v2\/posts\/21087\/revisions"}],"predecessor-version":[{"id":21090,"href":"https:\/\/staging.banksouthern.com\/es\/wp-json\/wp\/v2\/posts\/21087\/revisions\/21090"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/staging.banksouthern.com\/es\/wp-json\/wp\/v2\/media\/20875"}],"wp:attachment":[{"href":"https:\/\/staging.banksouthern.com\/es\/wp-json\/wp\/v2\/media?parent=21087"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/staging.banksouthern.com\/es\/wp-json\/wp\/v2\/categories?post=21087"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/staging.banksouthern.com\/es\/wp-json\/wp\/v2\/tags?post=21087"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}