{"id":25964,"date":"2023-09-01T10:54:23","date_gmt":"2023-09-01T15:54:23","guid":{"rendered":"https:\/\/testbanksouthern-ada.aceone.io\/?p=25964"},"modified":"2025-12-29T10:48:57","modified_gmt":"2025-12-29T16:48:57","slug":"septiembre-es-un-buen-mes-para-recuperar-terreno-financiero","status":"publish","type":"post","link":"https:\/\/staging.banksouthern.com\/es\/september-is-a-great-month-to-regain-financial-ground\/","title":{"rendered":"Septiembre es un gran mes para recuperar terreno financiero"},"content":{"rendered":"

Por: Charlestien Harris<\/p>\n

Whether you're returning to the classroom or the office, September is all about getting back to work. It's an excellent month to refocus on your finances before the busy holiday travel and shopping season kicks in. There might be several items demanding your attention, and a quick review of your finances can empower you to make ajustes necesarios<\/a> y mantener la estabilidad financiera.<\/p>\n

Con el verano llegando a su fin y el comienzo del curso escolar, septiembre suele parecer un nuevo comienzo para muchos de nosotros. Por eso es el momento ideal para reevaluar y volver a comprometerse con los objetivos financieros que se hayan quedado en el camino. Merece la pena tener en cuenta las siguientes sugerencias para mantener unas finanzas s\u00f3lidas en el futuro:<\/p>\n

    \n
  1. Revise sus prestaciones laborales:<\/strong> Septiembre es un buen momento para evaluar sus prestaciones laborales antes de la afiliaci\u00f3n abierta. Es posible que haya experimentado cambios como el matrimonio, el divorcio, el nacimiento de un hijo o el fallecimiento de un c\u00f3nyuge. Estos cambios pueden hacer necesario actualizar los beneficiarios. Revisar su paquete de prestaciones es crucial, ya que a menudo dispone de un plazo limitado para realizar cambios. Aseg\u00farese de que sus registros reflejan con exactitud sus situaci\u00f3n financiera<\/a>.\n<\/li>\n
  2. Eval\u00fae su p\u00f3liza de seguro de hogar:<\/strong> Home insurance covers the cost of rebuilding your house in the event of a disaster. If you've undertaken significant home renovations, the cost of rebuilding might be higher. Experts recommend adjusting your coverage levels to account for the home's value with the new improvements. Reviewing your policy allows you to assess your current needs and make necessary adjustments. Check your coverage amount and assess its adequacy based on your current situation. Life changes often prompt beneficiary updates, so be sure to keep these up to date.\n<\/li>\n
  3. Revisar y liquidar los impuestos trimestrales:<\/strong> Freelancers, gig workers, contractors, and the self-employed should note another tax deadline this month. Estimated taxes for the past three months are due on September 15. If you're new to freelance or gig work, remember that these taxes are still applicable. You're required to pay taxes as you earn throughout the year, either through paycheck withholding or estimated tax payments. Since these jobs don't involve tax withholding from wages, you need to make quarterly payments to the IRS. Failure to pay sufficient tax by each payment deadline might result in a penalty, even if you're entitled to a refund when you file your annual income tax return.\n<\/li>\n
  4. Revise sus documentos de planificaci\u00f3n anticipada:<\/strong> While it's not a cheerful topic, having a will and other end-of-life documents is crucial. Four \"must-have\" documents should be in place to prepare your family for the challenges ahead in case of unexpected events. A will specifies where your assets go upon your passing, but you also need a revocable trust with an incapacity clause (appointing someone to handle certain assets if you're incapacitated), an advance directive (outlining your emergency medical care preferences), a durable power of attorney for health care (naming a trusted person for medical decisions), and a durable financial power of attorney (appointing someone for financial decisions). Once you've established these documents, convene a family meeting to inform loved ones of your plans.<\/li>\n<\/ol>\n

    Alcanzar una buena salud financiera puede implicar decisiones dif\u00edciles, pero ser proactivo puede ayudarle a mantenerse alineado con los objetivos que se fij\u00f3 en el momento de decidir qu\u00e9 hacer. principio de a\u00f1o<\/a>. La revisi\u00f3n de sus documentos financieros proporciona informaci\u00f3n valiosa para gestionar las necesidades financieras actuales y futuras de su familia o las suyas propias.<\/p>\n

    Si desea m\u00e1s informaci\u00f3n sobre este y otros temas financieros, no dude en ponerse en contacto conmigo en\u00a0Charlestien.Harris@banksouthern.com<\/a>\u00a0o ll\u00e1meme al 662-624-5776.<\/p>\n

    Hasta la semana que viene: \u00a1mant\u00e9ngase en forma desde el punto de vista financiero!<\/p>\n

     <\/p>\n

     <\/p>\n

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