1 de cada 4 estadounidenses no tiene ahorros para una emergencia. ¿Y tú?
Comience poco a poco para construir su fondo para días lluviosos, pero comience.
Por Diana Gómez - Banco de Oklahoma
El porcentaje de estadounidenses que dijeron que no tienen fondos de emergencia ha crecido al 25% en los últimos años.
Si surge algo y no tienes un fondo de emergencia, vas a tomar malas decisiones, como usar una tarjeta de crédito con altas tasas de interés o retirarte de la jubilación.
¿Cuánto necesitas?
Si bien los expertos a menudo sugieren tener de seis a nueve meses de gastos a mano, eso puede no ser realista. Más de la mitad de los estadounidenses informan tener menos de tres meses de gastos ahorrados en un fondo de emergencia, según la encuesta de Bankrate.
Ten en cuenta el tiempo que suele tardar en conseguir un nuevo trabajo en tu campo. Si normalmente te lleva 90 días encontrar un nuevo trabajo, trata de tener tres o cuatro meses de ahorros a la mano.
Por dónde empezar: Reduce tu deuda
Comenzar con el pago de la deuda te permitirá sentirte más en control de tus finanzas, pero ¿cómo hacer mella? Comience con metas alcanzables y comprenda que tomará tiempo pagarlas.
Siguiente paso: Presupuesto
Si ahorrar varios meses de gastos te parece abrumador, la clave es empezar poco a poco. Es como el levantamiento de pesas: no vas a comenzar con 500 libras, pero puedes comenzar con cinco y construir a partir de ahí.
Vuelva a lo básico con un presupuesto 50/30/20: 50% para lo imprescindible, 20% para el pago de deudas (incluido su fondo de emergencia) y 30% para lo que deseos.
Coloque su dinero de emergencia en una cuenta separada a la que pueda acceder pero que no toque. Incluso comenzando con un depósito automático de $ 25 en una cuenta de ahorros de cada cheque de pago. Si bien no parece mucho, suma.
Tener una cuenta accesible para cubrir los gastos inesperados hace que todo sea más fácil.
Si otra emergencia te obliga a sacar el dinero, ¿entonces qué? Empieza a ahorrar de nuevo.
ENGLISH:
1 in 4 Americans has no savings for an emergency. Do you?
Start small to build your rainy day fund—but start.
By Diana Gomez - Bank of Oklahoma
The percentage of Americans who said they have no emergency funds has grown to 25% in the past few years.
If something comes up and you don't have an emergency fund, you're going to make bad decisions- like using a credit card with high interest rates, or pulling from retirement.
How much do you need?
While experts often suggest having six-to-nine months of expenses on hand, that may not be realistic. More than half of Americans report having less than three months of expenses saved in an emergency fund, according to the Bankrate survey.
Consider how long it typically takes to get a new job in your field. If it typically takes you 90 days to find a new job, aim to have three to four months of savings on hand.
Where to start: Reduce your debt
Starting with debt repayment will allow you to feel more in control of your finances, but how do you make a dent? Start with achievable goals and understand it will take time to pay it off.
Next Step: Budget
If saving several months of expenses feels overwhelming, the key is to start small. It's like weightlifting—you're not going to start with 500 pounds, but you can start with five and build from there.
Go back to the basics with a 50/30/20 budget—50% to must-haves, 20% to debt repayment (including your emergency fund) and 30% toward wants.
Put your emergency money in a separate account that you can get to but don't touch. Even starting with a $25 auto-deposit into a savings account from every paycheck. While it doesn't seem like a lot, it adds up.
Having an accessible account to cover the unexpected expenses just makes everything easier.
If another emergency forces you to tap the money, then what? Start saving again.
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