{"id":26758,"date":"2023-12-14T15:06:51","date_gmt":"2023-12-14T21:06:51","guid":{"rendered":"https:\/\/testbanksouthern-ada.aceone.io\/?p=26758"},"modified":"2025-12-29T10:49:19","modified_gmt":"2025-12-29T16:49:19","slug":"cuidado-con-los-destructores-del-presupuesto-navideno","status":"publish","type":"post","link":"https:\/\/staging.banksouthern.com\/es\/beware-of-the-holiday-budget-busters\/","title":{"rendered":"Cuidado con los \"rompepresupuestos\" navide\u00f1os"},"content":{"rendered":"

Por Charlestien Harris<\/p>\n

\u00bfC\u00f3mo hizo el Grinch realmente<\/em> steal Christmas? Well, let me tell you the \"real\" story! Holiday shopping is a tradition that spans way back, and many people feel obligated to purchase gifts for everybody. However, what often happens is that the Christmas budget you carefully planned has now gone out the window, and you've spent more money than originally intended. THAT, my friend, is how the Grinch \"really\" stole Christmas!<\/p>\n

No todo est\u00e1 perdido, porque voy a ayudarle a reconocer esos destructores de presupuesto antes de que sus finanzas se salgan tanto de control que ya no tenga ese vacaciones<\/a> joy. Let's take a better look at some of the things that might definitely help you prevent the Grinch from stealing your Christmas cheer.<\/p>\n

    \n
  1. Compras de regalos no planificadas<\/strong>. El principal problema presupuestario de mi lista es que, cuando se trata de las compras navide\u00f1as, muchas de ellas no est\u00e1n planificadas. Los regalos no planificados durante la temporada navide\u00f1a pueden sumarse r\u00e1pidamente y destruir su presupuesto. Por eso es tan importante hacer la lista y revisarla dos veces, si quieres mantener la alegr\u00eda navide\u00f1a. As\u00ed que, cuando te sientes a hacer ese presupuesto, a\u00f1ade algo de dinero para cubrir esas compras inesperadas.<\/li>\n
  2. Regalos de \u00faltima hora<\/strong>. Ding, ding, and ding! Now, this one is another budget buster that can absolutely wreak havoc on a holiday budget. It may seem like a great idea at the time, but beware, it's another budget buster that can sneak up on you fast. I know you want to catch those \"last-minute\" deals, and sometimes they can be absolutely tempting and quite irresistible. BUT, last-minute shopping can cause you to spend way more on gifts than you had originally planned to spend.<\/li>\n
  3. No fijar un l\u00edmite de precio para los regalos<\/strong>. Often, we can feel like if we don't spend a certain amount of money on a gift, then it just isn't Christmas. In most instances, that is just not the case. Gifts given with spending limits are, in fact, thinking of others as well as yourself. Gifts given from the heart, such as babysitting for a couple that needs a night off or baking cookies with the grandkids, can mean much more than a gift with a price tag. So, it might be wise to have a conversation with your family as well as friends to set that gift price limit to ensure that everyone can enjoy the holidays without the Grinch creeping in to steal the tender moment of exchanging gifts at the office or on Christmas Day.<\/li>\n
  4. Have you considered the \"hidden\" costs?<\/strong> Es probable que nunca hayas pensado en ello. Lo \u00fanico que sabes es que te has gastado X cantidad de dinero en un regalo y ya est\u00e1. \u00bfYa est\u00e1? Pues no. \u00bfQu\u00e9 pasa con las cajas, el relleno, el lazo y el papel de regalo? \u00bfY los gastos de env\u00edo? \u00bfY el tiempo que lleva preparar un regalo? Todas estas son preguntas en las que los consumidores rara vez pensamos, pero esto no quita que estos costes adicionales existan y se a\u00f1adan secretamente al precio total del regalo. A la hora de calcular el coste real de un regalo, hay que incluir los gastos mencionados. En \u00faltima instancia, lo que le gustar\u00eda es mantenerse dentro de ese l\u00edmite de precio que ha fijado con esos otros costes incluidos.<\/li>\n
  5. Olvidarse de crear un presupuesto para las vacaciones desde el principio.<\/strong> Llevo todo el a\u00f1o hablando de esto. Presupuesto, presupuesto, presupuesto. El Grinch realmente puede robar la Navidad a lo grande porque el dinero extra que gastamos en un regalo puede, en \u00faltima instancia, estar quitando de ser capaz de pagar la factura de servicios p\u00fablicos o hacer que usted se atrasa en su hipoteca o incluso perder una nota de coche. Como asesora financiera, es mi responsabilidad guiar a mis clientes y lectores hacia una rutina que les ayude a disminuir el estr\u00e9s financiero que tantos est\u00e1n experimentando, especialmente durante esta \u00e9poca del a\u00f1o. Considere la posibilidad de elaborar un presupuesto. No s\u00f3lo durante las fiestas, sino durante todo el a\u00f1o y todos los a\u00f1os siguientes. Elaborar un presupuesto es fundamental para tener un plan financiero exitoso.<\/li>\n<\/ol>\n

    During this time of year, it's easy to get caught up in the moment and forget su presupuesto<\/a> during the holiday season, and I don't want the \u201cGrinch\u201d to steal your holiday. This is why it is so necessary that I share holiday budget busters with you so you can recognize them, and so they won't ruin your holiday budget. Just know that the Grinch does not have to steal your Christmas, and you can still enjoy the holidays more comfortably because you know your finances are in good shape going into the new year!<\/p>\n

    Para m\u00e1s informaci\u00f3n sobre este y otros temas financieros, visite www.banksouthern.com\/blog<\/a>. Tambi\u00e9n puede enviarme un correo electr\u00f3nico a Charlestien.Harris@banksouthern.com<\/a> o 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<\/div><\/div><\/div><\/div><\/div>","protected":false},"excerpt":{"rendered":"","protected":false},"author":10237,"featured_media":26757,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[27,172],"tags":[156,211,300,119,171],"class_list":["post-26758","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-blog","category-financial-fitness","tag-budgeting","tag-financial-fitness","tag-holidays","tag-savings","tag-wealth-building"],"acf":[],"_links":{"self":[{"href":"https:\/\/staging.banksouthern.com\/es\/wp-json\/wp\/v2\/posts\/26758","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\/10237"}],"replies":[{"embeddable":true,"href":"https:\/\/staging.banksouthern.com\/es\/wp-json\/wp\/v2\/comments?post=26758"}],"version-history":[{"count":3,"href":"https:\/\/staging.banksouthern.com\/es\/wp-json\/wp\/v2\/posts\/26758\/revisions"}],"predecessor-version":[{"id":36476,"href":"https:\/\/staging.banksouthern.com\/es\/wp-json\/wp\/v2\/posts\/26758\/revisions\/36476"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/staging.banksouthern.com\/es\/wp-json\/wp\/v2\/media\/26757"}],"wp:attachment":[{"href":"https:\/\/staging.banksouthern.com\/es\/wp-json\/wp\/v2\/media?parent=26758"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/staging.banksouthern.com\/es\/wp-json\/wp\/v2\/categories?post=26758"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/staging.banksouthern.com\/es\/wp-json\/wp\/v2\/tags?post=26758"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}