{"id":5072,"date":"2024-09-23T10:00:00","date_gmt":"2024-09-23T14:00:00","guid":{"rendered":"https:\/\/www.patriotfcu.org\/?p=5072"},"modified":"2024-10-08T02:41:18","modified_gmt":"2024-10-08T06:41:18","slug":"dejar-de-lado-la-delgada-linea-que-separa-el-ahorro-del-gasto-excesivo","status":"publish","type":"post","link":"https:\/\/www.patriotfcu.org\/es\/blog\/spaving-a-fine-line-between-savings-overspending\/","title":{"rendered":"Spaving: una delgada l\u00ednea entre el ahorro y el gasto excesivo"},"content":{"rendered":"<div class=\"co-flex_row co-flex_row__blog-post-hero\" >\n\t<div class=\"co-flex_row--row co-row\">\n\t\t\t<header class=\"single_post--header co-post_hero light co-page_hero__has_image\" aria-label=\"Encabezado de la publicaci\u00f3n:Spaving: una delgada l\u00ednea entre el ahorro y el gasto excesivo\">\n\t\t<h1 class=\"single_post--title\">Spaving: una delgada l\u00ednea entre el ahorro y el gasto excesivo<\/h1>\n\t\t<p class=\"single_post--category\"><a href=\"https:\/\/www.patriotfcu.org\/es\/blog\/category\/personal-finance\/\" rel=\"category tag\">Finanzas personales<\/a><\/p>\n\t\t<p class=\"single_post--date\">23 de septiembre de 2024<\/p>\n\t\t<div class=\"single_post--social-share\">Compartir en<div class=\"co-social_share a2a_kit a2a_default_style\">\n\t\t\t<a\n\t\t\tclass=\"co-social--link\t\t\t\tjs-share_button\t\t\t\ttrusted\"\n\t\t\tdata-shareurl=\"https:\/\/www.patriotfcu.org\/es\/blog\/spaving-a-fine-line-between-savings-overspending\/\"\n\t\t\tdata-sharetitle=\"Spaving: A Fine Line Between Savings &#038; Overspending\"\n\t\t\tdata-shareservice=\"facebook\"\n\t\t>\n\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"17.738\" height=\"32.746\" viewbox=\"0 0 17.738 32.746\">\n  <path id=\"Path_690\" data-name=\"Path 690\" d=\"M89.242,351.968H83.868c-.59,0-1.269.715-1.269,1.787V356.4h6.648v6.648H82.6v15.013h-6.21V363.049h-4.88V356.4h4.88v-2.59c0-4.469,3.355-8.494,7.479-8.494h5.374Z\" transform=\"translate(-71.509 -345.317)\" fill=\"#2b6ea5\"\/>\n<\/svg>\n\t\t<\/a>\n\t\t\t\t<a\n\t\t\tclass=\"co-social--link\t\t\t\tjs-share_button\t\t\t\ttrusted\"\n\t\t\tdata-shareurl=\"https:\/\/www.patriotfcu.org\/es\/blog\/spaving-a-fine-line-between-savings-overspending\/\"\n\t\t\tdata-sharetitle=\"Spaving: A Fine Line Between Savings &#038; Overspending\"\n\t\t\tdata-shareservice=\"linkedin\"\n\t\t>\n\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"29.324\" height=\"29.282\" viewbox=\"0 0 29.324 29.282\">\n  <path id=\"Path_689\" data-name=\"Path 689\" d=\"M496.424,377.52h-6.047V358h6.047Zm-3.048-22.078a3.6,3.6,0,1,1,3.571-3.632v.032a3.587,3.587,0,0,1-3.571,3.6m25.692,22.078h-6.012V367.272c0-2.81-1.069-4.379-3.29-4.379-2.421,0-3.681,1.635-3.681,4.379v10.248h-5.8V358h5.8v2.629a6.8,6.8,0,0,1,5.879-3.225c4.141,0,7.1,2.528,7.1,7.756Z\" transform=\"translate(-489.743 -348.239)\" fill=\"#2b6ea5\"\/>\n<\/svg>\n\t\t<\/a>\n\t\t<\/div><\/div>\n\t\t\t\t<div class=\"single_post--img_wrap\">\n\t\t\t<div class=\"single_post--img_wrap\"><img loading=\"lazy\" decoding=\"async\" width=\"1100\" height=\"721\" src=\"https:\/\/www.patriotfcu.org\/wp-content\/uploads\/Blog-Post-Image-2-Recovered-Recovered-Recovered-13.jpg\" class=\"attachment-full size-full\" alt=\"Mujer en la tienda de comestibles\"  srcset=\"https:\/\/www.patriotfcu.org\/wp-content\/uploads\/Blog-Post-Image-2-Recovered-Recovered-Recovered-13.jpg 1100w, https:\/\/www.patriotfcu.org\/wp-content\/uploads\/Blog-Post-Image-2-Recovered-Recovered-Recovered-13-540x354.jpg 540w, https:\/\/www.patriotfcu.org\/wp-content\/uploads\/Blog-Post-Image-2-Recovered-Recovered-Recovered-13-730x478.jpg 730w, https:\/\/www.patriotfcu.org\/wp-content\/uploads\/Blog-Post-Image-2-Recovered-Recovered-Recovered-13-768x503.jpg 768w, https:\/\/www.patriotfcu.org\/wp-content\/uploads\/Blog-Post-Image-2-Recovered-Recovered-Recovered-13-18x12.jpg 18w, https:\/\/www.patriotfcu.org\/wp-content\/uploads\/Blog-Post-Image-2-Recovered-Recovered-Recovered-13-396x260.jpg 396w, https:\/\/www.patriotfcu.org\/wp-content\/uploads\/Blog-Post-Image-2-Recovered-Recovered-Recovered-13-800x524.jpg 800w, https:\/\/www.patriotfcu.org\/wp-content\/uploads\/Blog-Post-Image-2-Recovered-Recovered-Recovered-13-75x49.jpg 75w\" sizes=\"auto, (max-width: 1100px) 100vw, 1100px\" \/><\/div>\t\t<\/div>\n\t\t<p class=\"single_post--summary\">\n\t\t\tLas empresas recurren habitualmente a las ventas y otras t\u00e1cticas de marketing para aumentar los ingresos y mejorar sus resultados. Aunque estas ofertas pueden resultar tentadoras para los consumidores, muchas de estas &quot;ofertas&quot; son simplemente trucos psicol\u00f3gicos dise\u00f1ados para hacer que gastes m\u00e1s. A medida que las compras online siguen dominando el mercado, una t\u00e1ctica que resulta dif\u00edcil de superar es el &quot;spaving&quot;, un t\u00e9rmino relativamente nuevo acu\u00f1ado para describir las t\u00e1cticas de venta del tipo &quot;compra m\u00e1s, ahorra m\u00e1s&quot;. En este art\u00edculo, nos sumergiremos en el mundo del &quot;spaving&quot;, revelando c\u00f3mo funcionan estas t\u00e1cticas de marketing, su impacto en tu billetera y c\u00f3mo evitar gastar de m\u00e1s con el pretexto de ahorrar.\t\t<\/p>\n\t<\/header><!-- .entry_header -->\n\t\n\n\t<\/div>\n<\/div>\n\n\n<div class=\"co-flex_row co-flex_row__white co-flex_row__long-form-text\" >\n\t<div class=\"co-flex_row--row co-row\">\n\t\t\t<div class=\"co-long_form\">\n\t\t\t\t\t<div class=\"co-long_form--block co-long_form--block__nomedia prow items-start justify-center\">\n\t\t\t\t<div class=\"co-long_form--text pcol-md:8\">\n\t\t\t\t\t<div class=\"co-long_form--content\"><h2 class=\"fusion-responsive-typography-calculated\" data-fontsize=\"20\" data-lineheight=\"30px\"><strong>\u00bfQu\u00e9 es Spaving?<\/strong><\/h2>\n<p>El t\u00e9rmino \u201cspaving\u201d se deriva de la combinaci\u00f3n de \u201cspending\u201d y \u201csaving\u201d. Se refiere al concepto de gastar m\u00e1s dinero para obtener mayores ahorros. Una de las formas m\u00e1s populares de este tipo de marketing es la oferta BOGO (compre uno y ll\u00e9vese otro).<\/p>\n<p>Aunque pueda parecer contradictorio, los minoristas suelen emplear esta t\u00e1ctica para incitar a los clientes a gastar m\u00e1s de lo que gastar\u00edan de otra manera, con el fin de ahorrar dinero en general. \u00a0<strong>\u00a0<\/strong><\/p>\n<h2 class=\"fusion-responsive-typography-calculated\" data-fontsize=\"20\" data-lineheight=\"30px\"><strong>Ejemplos de Spaving<\/strong><\/h2>\n<p>El spaving se presenta de muchas formas, pero todas est\u00e1n dise\u00f1adas para alentarlo a aumentar el monto total de su compra. Estas son algunas de las t\u00e1cticas de spaving m\u00e1s comunes que utilizan los minoristas en la actualidad:<\/p>\n<ul>\n<li><strong>Ofertas Compre uno y ll\u00e9vese otro (BOGO):<\/strong><\/li>\n<\/ul>\n<p>Las tiendas de comestibles son famosas por sus ofertas BOGO, especialmente en art\u00edculos con exceso de existencias. Sin embargo, muchos minoristas ofrecer\u00e1n los mismos incentivos para alentarlo a comprar m\u00e1s, como en el caso de ropa o accesorios.<\/p>\n<p>Las ofertas BOGO suelen consistir en comprar un art\u00edculo al precio completo y obtener otro art\u00edculo similar con descuento. Si bien puedes ahorrar en el segundo art\u00edculo, es probable que no hubieras comprado el art\u00edculo adicional sin una oferta vigente.<\/p>\n<ul>\n<li><strong>Umbrales de env\u00edo gratuito:<\/strong><\/li>\n<\/ul>\n<p>Muchos minoristas en l\u00ednea ofrecen env\u00edo gratuito una vez que gastas m\u00e1s de una cierta cantidad, como $100. Esto puede hacer que a\u00f1adas m\u00e1s art\u00edculos a tu carrito que de otra manera no habr\u00edas comprado solo para evitar el costo del env\u00edo. Muchas veces, el costo de los art\u00edculos adicionales termina siendo mayor que el costo del env\u00edo solo.<\/p>\n<ul>\n<li><strong>Descuentos por compras al por mayor:<\/strong><strong>\u00a0<\/strong><\/li>\n<\/ul>\n<p>Las empresas tambi\u00e9n ofrecen descuentos especiales en compras superiores a un monto elevado en d\u00f3lares, como \u201cGasta $500 y ahorra $100 en tu compra\u201d. Esta pr\u00e1ctica puede inducirte a comprar m\u00e1s solo para alcanzar el umbral de descuento, lo que resulta en la compra de cosas que no necesitas. \u00a0<strong>\u00a0<\/strong><\/p>\n<h2 class=\"fusion-responsive-typography-calculated\" data-fontsize=\"20\" data-lineheight=\"30px\"><strong>Las desventajas del spaving<\/strong><\/h2>\n<p>En teor\u00eda, ahorrar dinero puede parecer una forma inteligente de ahorrar dinero. Sin embargo, en la pr\u00e1ctica, suele dar lugar a compras excesivas que pueden desbaratar tu presupuesto e incluso generar deudas con intereses elevados si pagas con tarjeta de cr\u00e9dito.<\/p>\n<ul>\n<li><strong>Gasto excesivo:<\/strong><\/li>\n<\/ul>\n<p>El ahorro puede hacer que gastes m\u00e1s de lo que ten\u00edas previsto. Sin el atractivo de una oferta, probablemente no hubieras gastado $500, pero la oportunidad de &quot;ahorrar&quot; $100 puede hacer que gastes m\u00e1s de lo previsto solo para sentir que est\u00e1s consiguiendo una buena oferta.<\/p>\n<ul>\n<li><strong>Creando residuos:<\/strong><\/li>\n<\/ul>\n<p>Si bien comprar al por mayor puede parecer econ\u00f3mico y ciertamente lo puede ser en algunos casos, tambi\u00e9n puede generar un desperdicio adicional cuando compra m\u00e1s de lo que realmente utilizar\u00e1. Por ejemplo, los productos perecederos pueden caducar antes de que tenga la oportunidad de consumirlos todos.<\/p>\n<ul>\n<li><strong>Falso sentido de necesidad:<\/strong><\/li>\n<\/ul>\n<p>Las ofertas por tiempo limitado pueden enga\u00f1arte y hacerte sentir urgente y convencerte de comprar art\u00edculos ahora solo por la promesa de una oferta. Puedes pensar: &quot;Voy a necesitar esto y lo usar\u00e9 en alg\u00fan momento, as\u00ed que mejor lo compro ahora&quot;. Pero si no es algo que sabes que usar\u00e1s pronto, probablemente no sea sensato que compres m\u00e1s y realices gastos innecesarios.<\/p>\n<h2 class=\"fusion-responsive-typography-calculated\" data-fontsize=\"20\" data-lineheight=\"30px\"><strong>Consejos para evitar el esparcimiento<\/strong><\/h2>\n<p>\u00a1No se pierda la esperanza! Afortunadamente, existen muchas estrategias que puede utilizar para evitar los problemas que supone el ahorro y mejorar sus finanzas. Recuerde que el ahorro es m\u00e1s bien un truco psicol\u00f3gico. Por lo tanto, si se detiene y analiza la situaci\u00f3n, a menudo se dar\u00e1 cuenta de que gastar el dinero adicional no es pr\u00e1ctico.<\/p>\n<p>Siga estos consejos para evitar caer en estafas de compras y garantizar una mejor administraci\u00f3n del dinero:<\/p>\n<ul>\n<li><strong>C\u00ed\u00f1ete a tu presupuesto:<\/strong><\/li>\n<\/ul>\n<p>Si bien elaborar un presupuesto puede no ser la tarea m\u00e1s agradable, es la mejor manera de administrar y hacer crecer su dinero. Cuando establece l\u00edmites a sus gastos y revisa activamente sus objetivos de ahorro, es menos probable que ceda a las compras impulsivas y a las ofertas por tiempo limitado.<\/p>\n<ul>\n<li><strong>Compra s\u00f3lo lo que necesitas:<\/strong><\/li>\n<\/ul>\n<p>Haz una lista, rev\u00edsala dos veces y no te desv\u00edes. Crea tu lista de compras bas\u00e1ndote \u00fanicamente en los art\u00edculos que necesitas y esfu\u00e9rzate por entrar y salir r\u00e1pidamente de la tienda. Cuanto m\u00e1s tiempo esperes, m\u00e1s probabilidades tendr\u00e1s de comprar m\u00e1s. Por eso las empresas gastan tanto dinero en dise\u00f1ar el dise\u00f1o de sus tiendas y la ubicaci\u00f3n de las ofertas promocionales: quieren captar tu atenci\u00f3n y mantenerte all\u00ed el mayor tiempo posible.<\/p>\n<ul>\n<li><strong>Haz los c\u00e1lculos:<\/strong><\/li>\n<\/ul>\n<p>Los n\u00fameros no mienten. Si no est\u00e1s seguro de si algo es una buena oferta, t\u00f3mate un momento para hacer los c\u00e1lculos. Hoy en d\u00eda, todo el mundo lleva una calculadora en el bolsillo. Saca tu tel\u00e9fono y haz los c\u00e1lculos. A veces, los ahorros percibidos pueden no ser tan buenos como parecen.<\/p>\n<ul>\n<li><strong>Cancelar suscripci\u00f3n a alertas de venta:<\/strong><\/li>\n<\/ul>\n<p>Resistir la tentaci\u00f3n es dif\u00edcil cuando tu bandeja de entrada est\u00e1 constantemente inundada. Si crees que te resultar\u00e1 dif\u00edcil resistir la exposici\u00f3n constante a promociones, cancela la suscripci\u00f3n a las notificaciones de ofertas y deja de seguir a las empresas que inundan tus redes sociales con anuncios.<\/p>\n<ul>\n<li><strong>Compre con inteligencia:<\/strong><\/li>\n<\/ul>\n<p>Aunque buscar ofertas y descuentos es una buena estrategia de ahorro, no dejes que eso dicte tu lista de compras. Comienza agregando tus necesidades b\u00e1sicas y luego busca cupones para esos art\u00edculos. Despu\u00e9s, ve si hay otras ofertas que te resulten \u00fatiles si tu presupuesto lo permite.<\/p>\n<h2 class=\"fusion-responsive-typography-calculated\" data-fontsize=\"20\" data-lineheight=\"30px\"><strong>El impacto del gasto excesivo y las compras impulsivas<\/strong><\/h2>\n<p>Gastar de m\u00e1s y comprar por impulso son malos h\u00e1bitos que pueden resultar dif\u00edciles de abandonar. Pueden generar problemas de presupuesto y, si se utiliza una tarjeta de cr\u00e9dito, pueden generar costosas deudas con intereses elevados.<\/p>\n<p>En lugar de eso, sea consciente de sus h\u00e1bitos de gasto y conc\u00e9ntrese en sus necesidades reales. La pr\u00f3xima vez que vea una oferta, en lugar de actuar impulsivamente, det\u00e9ngase un momento. Haga n\u00fameros en su tel\u00e9fono y analice si habr\u00eda comprado ese art\u00edculo si no estuviera en oferta. Incluso las compras peque\u00f1as pueden sumar r\u00e1pidamente.<\/p>\n<h2 class=\"fusion-responsive-typography-calculated\" data-fontsize=\"20\" data-lineheight=\"30px\"><strong>\u00a1Estamos aqu\u00ed para ayudar!<\/strong><\/h2>\n<p>El spaving es solo una de las muchas formas en que las empresas intentan quitarle el dinero que tanto le cost\u00f3 ganar. Si bien es necesario comprar, no tiene que dejar que las rebajas o las ofertas por tiempo limitado descarrilen su plan financiero. Si comprende c\u00f3mo funciona el spaving y analiza la situaci\u00f3n de manera l\u00f3gica en lugar de emocional, podr\u00e1 tomar mejores decisiones financieras.<\/p>\n<p>Una de las mejores maneras de limitar los gastos innecesarios es restringir el acceso a los gastos discrecionales. En lugar de dejar fondos excedentes en su cuenta corriente, utilice opciones de ahorro para hacer crecer su dinero, como las cuentas de mercado monetario o de certificados de acciones.<\/p>\n<p>Si desea obtener m\u00e1s informaci\u00f3n sobre las distintas cuentas de ahorro disponibles para usted, estamos listos para ayudarlo. Visite cualquiera de nuestras sucursales o llame al 888-777-9982 para hablar con un miembro del equipo hoy mismo.<\/p>\n<\/div>\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\n\t<\/div>\n<\/div>\n\n\n<div class=\"co-flex_row co-flex_row__white co-flex_row__last co-flex_row__disclosures\" >\n\t<div class=\"co-flex_row--row co-row\">\n\t\t\t<div class=\"co-disclosures\">\n\t\t<h2 class=\"co-disclosures--title\">Divulgaciones<\/h2>\n\t\t<div class=\"co-disclosures--content\">\n\t\t\t\t\t\t\t<ul>\n\t\t\t\t\t\t\t\t\t\t\t<li>\n\t\t\t\t\t\t\t\t<svg\n\t\tclass=\"co-disclosures--icon svg-ncua\"\n\t\tviewbox=\"0 0 110 46\"\n\t\twidth=\"110\"\n\t\theight=\"46\"\n\t>\n\t\t<title>NCUA<\/title>\n\t\t\n    <path fill=\"#022164\" d=\"M100.684 43.343v-.3a1.549 1.549 0 0 0 .172.018c.166 0 .207-.088.248-.225l.043-.131-.623-1.637h.4l.434 1.229h.006l.414-1.229h.381l-.641 1.732c-.119.3-.2.563-.582.563a1.7 1.7 0 0 1-.252-.02Zm-7.24-.492h.363c.047.207.213.238.4.238a.37.37 0 0 0 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