{"id":5206,"date":"2024-10-21T08:00:00","date_gmt":"2024-10-21T12:00:00","guid":{"rendered":"https:\/\/www.patriotfcu.org\/?p=5206"},"modified":"2025-05-15T09:58:37","modified_gmt":"2025-05-15T13:58:37","slug":"movimientos-financieros-que-se-deben-realizar-al-prepararse-para-tener-un-bebe","status":"publish","type":"post","link":"https:\/\/www.patriotfcu.org\/es\/blog\/movimientos-financieros-que-se-deben-realizar-al-prepararse-para-tener-un-bebe\/","title":{"rendered":"Medidas financieras que se deben tomar al prepararse para tener un beb\u00e9"},"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:Movimientos financieros que se deben realizar al prepararse para tener un beb\u00e9\">\n\t\t<h1 class=\"single_post--title\">Medidas financieras que se deben tomar al prepararse para tener un beb\u00e9<\/h1>\n\t\t<p class=\"single_post--category\"><a href=\"https:\/\/www.patriotfcu.org\/es\/blog\/categoria\/finanzas-personales\/\" rel=\"category tag\">Finanzas personales<\/a><\/p>\n\t\t<p class=\"single_post--date\">21 de octubre 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\/movimientos-financieros-que-se-deben-realizar-al-prepararse-para-tener-un-bebe\/\"\n\t\t\tdata-sharetitle=\"Financial Moves to Make When Preparing for a Baby\"\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\/movimientos-financieros-que-se-deben-realizar-al-prepararse-para-tener-un-bebe\/\"\n\t\t\tdata-sharetitle=\"Financial Moves to Make When Preparing for a Baby\"\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\/Untitled-1-3.jpg\" class=\"attachment-full size-full\" alt=\"Nuevos padres sosteniendo un beb\u00e9\"  srcset=\"https:\/\/www.patriotfcu.org\/wp-content\/uploads\/Untitled-1-3.jpg 1100w, https:\/\/www.patriotfcu.org\/wp-content\/uploads\/Untitled-1-3-540x354.jpg 540w, https:\/\/www.patriotfcu.org\/wp-content\/uploads\/Untitled-1-3-730x478.jpg 730w, https:\/\/www.patriotfcu.org\/wp-content\/uploads\/Untitled-1-3-768x503.jpg 768w, https:\/\/www.patriotfcu.org\/wp-content\/uploads\/Untitled-1-3-18x12.jpg 18w, https:\/\/www.patriotfcu.org\/wp-content\/uploads\/Untitled-1-3-396x260.jpg 396w, https:\/\/www.patriotfcu.org\/wp-content\/uploads\/Untitled-1-3-800x524.jpg 800w, https:\/\/www.patriotfcu.org\/wp-content\/uploads\/Untitled-1-3-75x49.jpg 75w\" sizes=\"auto, (max-width: 1100px) 100vw, 1100px\" \/><\/div>\t\t<\/div>\n\t\t<p class=\"single_post--summary\">\n\t\t\tDar la bienvenida a un nuevo miembro de la familia es un momento de alegr\u00eda y emoci\u00f3n. Tambi\u00e9n puede resultar un poco abrumador repasar la lista de cosas que debe hacer para prepararse. Adem\u00e1s de preparar la habitaci\u00f3n del beb\u00e9 y comprar ropa, suministros y sillas para el autom\u00f3vil, tambi\u00e9n hay pasos financieros que debe seguir para garantizar una transici\u00f3n sin problemas. Cuidar a un nuevo beb\u00e9 es una tarea alegre pero que requiere mucho tiempo. Por lo tanto, cualquier medida financiera que pueda tomar antes de que llegue su peque\u00f1o ser\u00e1 lo mejor para usted. En este art\u00edculo, hemos delineado algunos pasos financieros que debe realizar antes de dar la bienvenida a su nuevo miembro para que pueda comenzar este pr\u00f3ximo cap\u00edtulo de la vida de su familia con firmeza.   \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>Eliminar la mayor cantidad de deuda posible<\/strong><\/h2>\n<p>Si cancela la mayor cantidad posible de deudas antes de incorporar un nuevo miembro a su familia, podr\u00e1 disponer de m\u00e1s espacio en su presupuesto para nuevos gastos. \u00a1Y los nuevos beb\u00e9s traer\u00e1n consigo una multitud de nuevos costos!<\/p>\n<p>Si tiene saldos pendientes que desea liquidar antes de dar la bienvenida a su nuevo miembro, hay dos estrategias populares que puede seguir:<\/p>\n<ul>\n<li><strong>El m\u00e9todo de la bola de nieve:\u00a0<\/strong>Este m\u00e9todo implica pagar primero la deuda m\u00e1s peque\u00f1a. Una vez que hayas pagado la deuda m\u00e1s peque\u00f1a, pasa a la siguiente m\u00e1s peque\u00f1a. El ciclo continuar\u00e1 hasta que est\u00e9s libre de deudas. El efecto psicol\u00f3gico de este m\u00e9todo es poderoso, ya que ganas confianza y motivaci\u00f3n al ver c\u00f3mo se eliminan tus deudas.<\/li>\n<\/ul>\n<ul>\n<li><strong>El m\u00e9todo Avalancha:\u00a0<\/strong>Con este m\u00e9todo, pagar\u00e1 m\u00e1s por sus deudas de mayor costo (aquellas con la tasa de inter\u00e9s m\u00e1s alta). Eliminar la deuda con intereses altos le permitir\u00e1 ahorrar dinero al instante, lo que le permitir\u00e1 destinar m\u00e1s de sus d\u00f3lares ganados con esfuerzo a otras deudas. Una vez que haya eliminado la deuda de mayor costo, pasar\u00e1 a la siguiente m\u00e1s cara, y as\u00ed sucesivamente.<\/li>\n<\/ul>\n<p>Al decidir qu\u00e9 estrategia funcionar\u00e1 mejor para usted, tenga en cuenta sus deudas espec\u00edficas y sus h\u00e1bitos de gasto. Mientras que el m\u00e9todo de la bola de nieve genera confianza y dinamismo, el m\u00e9todo de la avalancha le permite ahorrar dinero m\u00e1s r\u00e1pidamente. Ambas opciones son herramientas eficaces para reducir la deuda.<\/p>\n<h2 class=\"fusion-responsive-typography-calculated\" data-fontsize=\"20\" data-lineheight=\"30px\"><strong>Crea una cuenta separada para los gastos relacionados con el beb\u00e9<\/strong><\/h2>\n<p>En los meses previos a la llegada de tu beb\u00e9, prep\u00e1rate para varios gastos adicionales. Tendr\u00e1s que hacer compras por adelantado, como una cuna, un cochecito, una silla de auto y m\u00e1s, adem\u00e1s de tener en cuenta los gastos continuos una vez que nazca el beb\u00e9, incluidos los pa\u00f1ales, la leche de f\u00f3rmula, la guarder\u00eda, etc.<\/p>\n<p>Puedes ayudar a compensar la presi\u00f3n sobre el presupuesto familiar y mantener tus finanzas en orden abriendo una cuenta separada exclusivamente para los gastos relacionados con el beb\u00e9. Esta t\u00e1ctica tambi\u00e9n te ayudar\u00e1 a controlar cu\u00e1nto gastas en los gastos del beb\u00e9 y a hacer ajustes si es necesario.<\/p>\n<p>Para ampliar a\u00fan m\u00e1s su presupuesto familiar, tenga en cuenta estos consejos para ahorrar costos:<\/p>\n<ul>\n<li><strong>Comprar usado:\u00a0<\/strong>Por m\u00e1s que quieras comprar art\u00edculos nuevos para tu peque\u00f1o, los art\u00edculos nuevos tienen un precio m\u00e1s alto. Revisa tu lista de deseos y necesidades y determina qu\u00e9 art\u00edculos podr\u00edas considerar comprar usados. Por ejemplo, podr\u00edas derrochar m\u00e1s en un nuevo asiento para el auto con las \u00faltimas caracter\u00edsticas de seguridad y comprar ropa usada para beb\u00e9s (\u00a1queda peque\u00f1a tan r\u00e1pido!).<\/li>\n<\/ul>\n<ul>\n<li><strong>\u00danase a un intercambio:\u00a0<\/strong>Es posible que tu comunidad local organice un intercambio de art\u00edculos para beb\u00e9s o tenga un grupo en Facebook u otra red social dedicado a comprar, vender o intercambiar art\u00edculos para beb\u00e9s para ayudar a las nuevas mam\u00e1s. Adem\u00e1s, este grupo puede ser un excelente recurso para todo tipo de consejos y trucos.<\/li>\n<\/ul>\n<ul>\n<li><strong>Tienda de segunda mano:<\/strong>\u00a0\u00a1Nunca subestimes los art\u00edculos que puedes encontrar en tiendas de segunda mano! Es posible que consigas art\u00edculos casi nuevos o incluso nuevos si el padre que los don\u00f3 recibi\u00f3 varios ejemplares de un art\u00edculo.<\/li>\n<\/ul>\n<h2 class=\"fusion-responsive-typography-calculated\" data-fontsize=\"20\" data-lineheight=\"30px\"><strong>Estimaci\u00f3n de los costos de atenci\u00f3n prenatal y parto<\/strong><\/h2>\n<p>Al prepararse econ\u00f3micamente para recibir a un nuevo beb\u00e9, tambi\u00e9n es una buena idea calcular cu\u00e1nto le costar\u00e1 el embarazo y el parto. Los montos exactos var\u00edan seg\u00fan el estado, el proveedor de seguros, las condiciones de salud y otros factores. Sin embargo, obtener una estimaci\u00f3n aproximada le ayudar\u00e1 a prepararse para el precio y evitar sorpresas inesperadas cuando tenga muchas otras cosas de las que preocuparse.<\/p>\n<p>Considere comunicarse con su compa\u00f1\u00eda de seguro m\u00e9dico y preguntar sobre:<\/p>\n<ul>\n<li>Costos iniciales como copagos, deducibles y otros gastos de bolsillo.<\/li>\n<\/ul>\n<ul>\n<li>Si su c\u00f3nyuge tiene un seguro diferente al suyo, investigue cu\u00e1l es la mejor opci\u00f3n para agregar al ni\u00f1o despu\u00e9s del nacimiento.<\/li>\n<\/ul>\n<h2 class=\"fusion-responsive-typography-calculated\" data-fontsize=\"20\" data-lineheight=\"30px\"><strong>Cree o actualice su plan patrimonial<\/strong><\/h2>\n<p>Aunque nadie quiere pensar en su muerte cuando se prepara para traer una nueva vida a este mundo, es mejor estar preparado. Si a\u00fan no tiene un testamento, redacte uno y aseg\u00farese de que refleje sus deseos. Si ya tiene un testamento, actual\u00edcelo para que refleje su nueva familia. Tambi\u00e9n puede designar a alguien para que cuide de su hijo en caso de que le suceda algo en su testamento.<\/p>\n<p>Mientras se encuentra en la fase legal oficial, no es mala idea revisar sus p\u00f3lizas de seguro de vida y realizar las actualizaciones que sean necesarias. Una vez que su hijo haya llegado oficialmente, puede designarlo como beneficiario de su p\u00f3liza de seguro de vida, inversiones y otras cuentas.<\/p>\n<h2 class=\"fusion-responsive-typography-calculated\" data-fontsize=\"20\" data-lineheight=\"30px\"><strong>\u00bfCu\u00e1nto debo ahorrar?<\/strong><\/h2>\n<p>Convertirse en padre es una ocasi\u00f3n feliz que cambiar\u00e1 tu vida para mejor de muchas maneras. Quieres darle a tu beb\u00e9 la mejor vida y parte de eso es tu capacidad para satisfacer todas sus necesidades. Ahorrar dinero es un paso crucial, pero a menudo puede parecer un desaf\u00edo.<\/p>\n<p>Revise su presupuesto actual y busque \u00e1reas en las que pueda recortar. Siempre es mejor ahorrar m\u00e1s de lo que necesita que no ahorrar lo suficiente. Si descubre que ha apartado demasiado dinero para las necesidades iniciales del beb\u00e9, tambi\u00e9n puede transferirlo a sus cuentas normales de ahorro o de jubilaci\u00f3n.<\/p>\n<p>Recuerda que los costos de un beb\u00e9 reci\u00e9n nacido no se limitan solo a los gastos reales del beb\u00e9. Es probable que tengas facturas m\u00e9dicas inesperadas, ausencias no planificadas del trabajo, licencia por maternidad y m\u00e1s.<\/p>\n<h2 class=\"fusion-responsive-typography-calculated\" data-fontsize=\"20\" data-lineheight=\"30px\"><strong>\u00a1Estamos aqu\u00ed para ayudar!<\/strong><\/h2>\n<p>Dar la bienvenida a un peque\u00f1o a tu vida es una experiencia incre\u00edble, pero tambi\u00e9n trae consigo cambios financieros importantes. Si planificas y ahorras con anticipaci\u00f3n, puedes reducir el estr\u00e9s y concentrarte en la alegr\u00eda de este nuevo cap\u00edtulo. Organizar tus finanzas antes de la llegada de tu beb\u00e9 no solo te ayudar\u00e1 a administrar los gastos adicionales, sino que tambi\u00e9n te permitir\u00e1 comenzar a construir un futuro financiero seguro para tu hijo.<\/p>\n<p>Si tiene alguna pregunta sobre c\u00f3mo abrir una cuenta de ahorros para su nuevo beb\u00e9 o c\u00f3mo empezar a ahorrar para la universidad, 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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