{"id":26802,"date":"2024-01-04T16:30:57","date_gmt":"2024-01-04T22:30:57","guid":{"rendered":"https:\/\/testbanksouthern-ada.aceone.io\/?p=26802"},"modified":"2025-12-29T10:49:21","modified_gmt":"2025-12-29T16:49:21","slug":"ahora-es-el-momento-de-en-2024","status":"publish","type":"post","link":"https:\/\/staging.banksouthern.com\/es\/now-is-the-time-to-in-2024\/","title":{"rendered":"Ahora es el momento de... \u00a1en 2024!"},"content":{"rendered":"

Por: Charlestien Harris<\/p>\n

A estas alturas, ya habr\u00e1 deseado \"Feliz A\u00f1o Nuevo\" a toda su familia, amigos y compa\u00f1eros. Ahora que ya lo ha hecho, es el momento de entrar en el nuevo a\u00f1o con una nueva perspectiva de sus finanzas para 2024.<\/p>\n

So often, we look back and say, \"I want to do better this year\" in our lives, careers, and finances. A new year brings a new chance to make some changes, right? Well, sometimes we have the best intentions, but we never really get around to making those changes we say we are going to make. If you don't begin to make some of those changes you talked about, then your finances will most likely be in the same shape they were at the end of 2023.<\/p>\n

A continuaci\u00f3n te propongo algunas sugerencias que pueden ayudarte a empezar el a\u00f1o con buen pie.<\/p>\n

    \n
  1. Compruebe el importe de su retenci\u00f3n W-4.<\/strong> La temporada de impuestos llegar\u00e1 en pocas semanas. Southern Bancorp prepara un gran n\u00famero de declaraciones de impuestos gratuitas para las comunidades a las que servimos, y uno de los problemas que veo con m\u00e1s frecuencia es que al contribuyente no se le retienen suficientes impuestos de sus ingresos durante el a\u00f1o, lo que a menudo resulta en que le deban al IRS en lugar de recibir un reembolso. Puede ajustar la cantidad que desea que se le retenga de su cheque poni\u00e9ndose en contacto con su departamento de recursos humanos y solicitando rellenar un nuevo formulario W-4 para realizar los cambios. Para m\u00e1s informaci\u00f3n del IRS, visite https:\/\/www.irsvideos.gov\/Business\/Employers\/UnderstandingTheNewFormW-4<\/a> para ver una copia del nuevo W-4 y un v\u00eddeo explicativo sobre la finalidad y el funcionamiento de este formulario.\n<\/li>\n
  2. Aumente su aportaci\u00f3n a su plan de jubilaci\u00f3n 401k.<\/strong> La jubilaci\u00f3n es un tema con el que muchos so\u00f1amos desde nuestro primer d\u00eda de trabajo hasta el \u00faltimo. \u00bfPor qu\u00e9 vivir en una pesadilla cuando puedes vivir tus a\u00f1os dorados haciendo ahora una cuidadosa planificaci\u00f3n para prepararte para esa vida de ensue\u00f1o que tanto deseas tener? La mayor\u00eda de los planes de jubilaci\u00f3n ofrecen un porcentaje de retenci\u00f3n autom\u00e1tico aprobado por el empleado. Algunos empleadores incluso igualar\u00e1n su aportaci\u00f3n hasta un determinado porcentaje; aproveche esta ventaja si el plan de su empleador ofrece esta opci\u00f3n. El dinero igualado son fondos que su empresa aporta a su cuenta de jubilaci\u00f3n adem\u00e1s de la cantidad que usted aporta. En pocas palabras, un programa 401(k) de aportaciones paralelas de la empresa es b\u00e1sicamente dinero gratis para usted.\n<\/li>\n
  3. Abrir una cuenta de ahorro para un objetivo concreto<\/strong>. Recuerda que, en la \u00faltima parte de 2023, mencion\u00e9 que fijarse metas es un gran parte<\/a> of enjoying financial success. One of the steps you can take is to open your specific savings account now for events such as vacations, holidays, college, and retirement, just to name a few. Making these adjustments early in the year will help you be more prepared for those events. Having the funds automatically withdrawn from your checking account can help you \"set it and forget it.\" So, when those expected events finally materialize, you will already have the funds to spend without worrying about how you are going to cover them.\n<\/li>\n
  4. Elige una estrategia de reducci\u00f3n de la deuda.<\/strong> Probablemente las deudas pesen mucho en la mente de algunos de ustedes, ya que las fiestas han llegado y se han ido. Pero no todo est\u00e1 perdido. Todav\u00eda puede controlar sus deudas decidiendo c\u00f3mo quiere afrontar el problema de salir de ellas o reducir el volumen de las que tiene. Los dos m\u00e9todos m\u00e1s populares son el m\u00e9todo de bajo balance<\/strong> y el m\u00e9todo de alto inter\u00e9s<\/strong>. With these two strategies, you're simply focusing on which debts to pay off first. The low-balance method, or \"snowball,\" is the most popular because you can start off with your smaller debts and pay them off first, then tackle your next highest amounts, and so on until you have eliminated all your debts. The high-interest method, or \"avalanche,\" involves paying off your accounts with the highest interest rates first, then tackling your smaller debts later. Your high-interest accounts are costing you the most money because over time you are accumulating debt by allowing interest to build up on the outstanding balance of those accounts. Whichever one you choose, make sure to always make at least minimum payments on the rest of your balances.\n<\/li>\n
  5. Compruebe sus puntuaciones e informes de cr\u00e9dito.<\/strong> Credit is another essential part of your financial health, so it's best to keep an eye on it. You want to check your credit at least every few months and give your credit reports a good look every year. This will give you a good idea of how your credit is doing and will allow you to notice any warning signs of fraud. I always suggest getting a copy of your report in January, then June\/July, and one around the end of the year. Seeing a credit card in your name that you haven't opened or a debt that doesn't belong to you can be stressful. It's time to investigate, dispute those errors, and potentially even freeze your credit. You're entitled to a free copy of your credit report from each credit bureau every week until further notice. You can request them at www.annualcreditreport.com<\/a>. Actualmente, tambi\u00e9n hay disponibles informes de cr\u00e9dito semanales gratuitos en l\u00ednea.<\/li>\n<\/ol>\n

    This money stuff isn't always easy, but with a little forethought, you too can make it through the new year in better financial shape than you were last year. Whether or not you made any New Year's resolutions for 2024, I suggest you take a serious look at this financial list to ensure you are taking some extra steps to improve your finances in the coming year. Your new financial picture starts with you and the kind of future you see for yourself and those you care about. Unlike many resolutions that require constant vigilance, such as dieting or exercising, you only need to take a few steps to improve your financial health and security in 2024!<\/p>\n

    Para m\u00e1s informaci\u00f3n sobre este y otros temas financieros, visite nuestra p\u00e1gina de blogs financieros en banksouthern.com\/blog\/<\/a>env\u00edeme un correo electr\u00f3nico a Charlestien.Harris@banksouthern.com<\/a>o ll\u00e1mame al 662-624-5776.<\/p>\n

    Hasta la semana que viene: \u00a1mant\u00e9ngase en forma desde el punto de vista financiero!<\/p>\n<\/div><\/div><\/div><\/div><\/div>","protected":false},"excerpt":{"rendered":"","protected":false},"author":10237,"featured_media":26803,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[27,172],"tags":[315,156,211,265,119,118,171],"class_list":["post-26802","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-blog","category-financial-fitness","tag-401k-2","tag-budgeting","tag-financial-fitness","tag-retirement","tag-savings","tag-taxes","tag-wealth-building"],"acf":[],"_links":{"self":[{"href":"https:\/\/staging.banksouthern.com\/es\/wp-json\/wp\/v2\/posts\/26802","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=26802"}],"version-history":[{"count":3,"href":"https:\/\/staging.banksouthern.com\/es\/wp-json\/wp\/v2\/posts\/26802\/revisions"}],"predecessor-version":[{"id":36478,"href":"https:\/\/staging.banksouthern.com\/es\/wp-json\/wp\/v2\/posts\/26802\/revisions\/36478"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/staging.banksouthern.com\/es\/wp-json\/wp\/v2\/media\/26803"}],"wp:attachment":[{"href":"https:\/\/staging.banksouthern.com\/es\/wp-json\/wp\/v2\/media?parent=26802"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/staging.banksouthern.com\/es\/wp-json\/wp\/v2\/categories?post=26802"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/staging.banksouthern.com\/es\/wp-json\/wp\/v2\/tags?post=26802"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}