{"id":5361,"date":"2024-12-09T08:00:00","date_gmt":"2024-12-09T13:00:00","guid":{"rendered":"https:\/\/www.patriotfcu.org\/?p=5361"},"modified":"2025-05-15T09:46:41","modified_gmt":"2025-05-15T13:46:41","slug":"sea-un-comprador-inteligente-en-esta-temporada-navidena","status":"publish","type":"post","link":"https:\/\/www.patriotfcu.org\/es\/blog\/be-a-savvy-shopper-this-holiday-season\/","title":{"rendered":"Sea un comprador inteligente en esta temporada navide\u00f1a"},"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:Sea un comprador inteligente en esta temporada navide\u00f1a\">\n\t\t<h1 class=\"single_post--title\">Sea un comprador inteligente en esta temporada navide\u00f1a<\/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\">9 de diciembre 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\/be-a-savvy-shopper-this-holiday-season\/\"\n\t\t\tdata-sharetitle=\"Be a Savvy Shopper This Holiday Season\"\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\/be-a-savvy-shopper-this-holiday-season\/\"\n\t\t\tdata-sharetitle=\"Be a Savvy Shopper This Holiday Season\"\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=\"1170\" height=\"780\" src=\"https:\/\/www.patriotfcu.org\/wp-content\/uploads\/Be-a-Savvy-Shopper-This-Holiday-Season.jpg\" class=\"attachment-full size-full\" alt=\"Dos mujeres de compras\"  srcset=\"https:\/\/www.patriotfcu.org\/wp-content\/uploads\/Be-a-Savvy-Shopper-This-Holiday-Season.jpg 1170w, https:\/\/www.patriotfcu.org\/wp-content\/uploads\/Be-a-Savvy-Shopper-This-Holiday-Season-540x360.jpg 540w, https:\/\/www.patriotfcu.org\/wp-content\/uploads\/Be-a-Savvy-Shopper-This-Holiday-Season-730x487.jpg 730w, https:\/\/www.patriotfcu.org\/wp-content\/uploads\/Be-a-Savvy-Shopper-This-Holiday-Season-768x512.jpg 768w, https:\/\/www.patriotfcu.org\/wp-content\/uploads\/Be-a-Savvy-Shopper-This-Holiday-Season-18x12.jpg 18w, https:\/\/www.patriotfcu.org\/wp-content\/uploads\/Be-a-Savvy-Shopper-This-Holiday-Season-396x264.jpg 396w, https:\/\/www.patriotfcu.org\/wp-content\/uploads\/Be-a-Savvy-Shopper-This-Holiday-Season-800x533.jpg 800w, https:\/\/www.patriotfcu.org\/wp-content\/uploads\/Be-a-Savvy-Shopper-This-Holiday-Season-75x50.jpg 75w\" sizes=\"auto, (max-width: 1170px) 100vw, 1170px\" \/><\/div>\t\t<\/div>\n\t\t<p class=\"single_post--summary\">\n\t\t\tLa temporada de fiestas ya est\u00e1 aqu\u00ed y la alegr\u00eda y el ambiente festivo pueden ser contagiosos. Entre las luces, la m\u00fasica, la comida, los regalos y el tiempo que pasamos con nuestros seres queridos, puede ser la \u00e9poca m\u00e1s alegre del a\u00f1o. Tambi\u00e9n puede ser la \u00e9poca m\u00e1s cara del a\u00f1o. Por eso es m\u00e1s importante que nunca revisar tu lista (y tu presupuesto) dos veces. Aunque los precios siguen aumentando, todav\u00eda hay muchas maneras de mantener tus gastos bajo control y poner grandes sonrisas en los rostros de tus amigos y familiares. En este art\u00edculo, te ayudaremos a convertirte en un comprador m\u00e1s inteligente para que puedas mantener tus finanzas en orden y tu alegr\u00eda navide\u00f1a intacta.\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:12\">\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>Comience con un presupuesto para las vacaciones<\/strong><\/h2>\n<p>Presupuesto\u2026 lo sabemos, \u00a1qu\u00e9 tonter\u00eda! A muchas personas les resulta muy complicado elaborar un presupuesto. Sin embargo, un presupuesto adecuado es la mejor manera de generar riqueza y administrar los gastos. Es incluso m\u00e1s importante durante la temporada de fiestas, cuando los costos aumentan y las compras impulsivas se convierten en la norma.<\/p>\n<p>Utilice el siguiente plan para crear un presupuesto de vacaciones realista:<\/p>\n<ul>\n<li><strong>Haz una lista y rev\u00edsala dos veces:<\/strong><\/li>\n<\/ul>\n<p>Empieza por hacer una lista de todas las personas a las que piensas comprarles regalos, incluidos amigos, familiares, compa\u00f1eros de trabajo, compa\u00f1eros de la escuela, vecinos, etc. Revisa tu lista con atenci\u00f3n para asegurarte de no olvidarte de nadie por accidente. Siempre es recomendable incluir en el presupuesto un regalo o una tarjeta de regalo extra en caso de que te inviten a una fiesta inesperada.<\/p>\n<ul>\n<li><strong>No olvides los extras:<\/strong><strong>\u00a0<\/strong><\/li>\n<\/ul>\n<p>Las fiestas no estar\u00edan completas sin decoraciones, fiestas, actividades y viajes. Todos estos elementos agotar\u00e1n tu presupuesto r\u00e1pidamente si no planificas adecuadamente. Piensa en a\u00f1os anteriores y detalla todos los planes de viaje, festividades y eventos a los que normalmente asistes o que organizas. Luego, agrega estos elementos a tu lista.<\/p>\n<ul>\n<li><strong>Establezca su presupuesto:<\/strong><\/li>\n<\/ul>\n<p>Una vez que tengas una lista completa de todo lo que necesitas comprar y para qui\u00e9n debes comprar, puedes establecer montos espec\u00edficos para cada persona y categor\u00eda de gasto. Luego, usa esos n\u00fameros para calcular tu presupuesto total para las fiestas.<\/p>\n<p>Otra opci\u00f3n es revisar su presupuesto mensual habitual. Determine cu\u00e1ntos fondos adicionales tiene disponibles para trabajar. Luego, trabaje a la inversa para establecer montos espec\u00edficos para cada persona y categor\u00eda.<\/p>\n<h2 class=\"fusion-responsive-typography-calculated\" data-fontsize=\"20\" data-lineheight=\"30px\"><strong>Compra en rebajas<\/strong><\/h2>\n<p>Las rebajas extravagantes y las compras navide\u00f1as van de la mano. Entre el Viernes Negro, el Ciberlunes y toda una serie de otras rebajas navide\u00f1as, tienes innumerables oportunidades de encontrar ofertas y acumular ahorros. Sin embargo, no caigas en la trampa de aprovechar las rebajas solo porque los precios parecen bajos. Compara las ofertas con los art\u00edculos de tu lista de compras para que puedas conseguir tus regalos a un precio excelente y evitar gastar de m\u00e1s en otros art\u00edculos que no necesitas. Tambi\u00e9n puedes utilizar rastreadores de precios y herramientas de comparaci\u00f3n para asegurarte de que est\u00e1s consiguiendo la mejor oferta posible. \u00a1Aprovecha las rebajas para maximizar tus ahorros!<\/p>\n<h2 class=\"fusion-responsive-typography-calculated\" data-fontsize=\"20\" data-lineheight=\"30px\"><strong>Recompensas en efectivo con tarjeta de cr\u00e9dito<\/strong><\/h2>\n<p>Si su tarjeta de cr\u00e9dito viene equipada con un programa de recompensas, considere canjear sus puntos para ayudar a extender su presupuesto de vacaciones. Adem\u00e1s, muchas tarjetas ofrecer\u00e1n puntos de bonificaci\u00f3n en categor\u00edas de gastos seleccionadas o en todas durante las vacaciones, lo que le permitir\u00e1 ganar a\u00fan m\u00e1s.<\/p>\n<p>Puedes canjear tus puntos de recompensa por cosas como:<\/p>\n<ul>\n<li><strong>Reembolso en efectivo:\u00a0<\/strong>Si su tarjeta de cr\u00e9dito ofrece reembolsos en efectivo, \u00a1\u00fasela para aumentar sus gastos durante las vacaciones! Puede agregar el reembolso en efectivo como cr\u00e9dito en su estado de cuenta o depositarlo en su cuenta corriente.<\/li>\n<\/ul>\n<ul>\n<li><strong>Tarjetas de regalo:<\/strong>\u00a0Canjea puntos de recompensa por tarjetas de regalo para comprar art\u00edculos durante tus compras o para regalar a aquellas personas para quienes es dif\u00edcil comprar.<\/li>\n<\/ul>\n<ul>\n<li><strong>Viajar:<\/strong>\u00a0Canjee recompensas para cubrir costos de vuelos, alquiler de autos u otras necesidades de viaje.<\/li>\n<\/ul>\n<ul>\n<li><strong>Art\u00edculos destacados:<\/strong>\u00a0Consigue ese dispositivo inteligente o la experiencia exclusiva que has estado mirando para esa persona especial en tu lista de regalos.<\/li>\n<\/ul>\n<h2 class=\"fusion-responsive-typography-calculated\" data-fontsize=\"20\" data-lineheight=\"30px\"><strong>Evite los errores al comprar<\/strong><\/h2>\n<p>Si bien las compras navide\u00f1as pueden ser emocionantes con todo el ajetreo y la alegr\u00eda, es f\u00e1cil caer en trampas comunes que pueden arruinar su alegr\u00eda y sus finanzas. Est\u00e9 atento para evitar caer en estas trampas.<\/p>\n<ul>\n<li><strong>Esperando hasta el \u00faltimo minuto:\u00a0<\/strong>\u00a1No pospongas tus compras navide\u00f1as hasta que falten unos d\u00edas para las fiestas! Si empiezas temprano y cuentas con tiempo de sobra, evitar\u00e1s el estr\u00e9s innecesario, \u00a1adem\u00e1s de evitar las multitudes de otros compradores fren\u00e9ticos!<\/li>\n<\/ul>\n<ul>\n<li><strong>Compre ahora, pague despu\u00e9s:<\/strong>\u00a0Aunque estos servicios pueden resultar \u00fatiles para permitirle pagar las cosas que figuran en su lista, pueden hacer que acumule m\u00e1s deuda de la que tendr\u00eda de otro modo y que tenga facturas elevadas despu\u00e9s de las fiestas. Evite utilizar estos servicios tentadores y, en su lugar, gaste solo lo que tenga.<\/li>\n<\/ul>\n<ul>\n<li><strong>Gasto excesivo:<\/strong>\u00a0Para evitar gastar de m\u00e1s, establezca l\u00edmites de gasto para cada compra o por categor\u00eda (regalos, adornos, viajes, comida, etc.). Considere dejar sus tarjetas de cr\u00e9dito en casa para no verse tentado a gastar m\u00e1s de lo que tiene y, en su lugar, utilice solo su tarjeta de d\u00e9bito o efectivo.<strong>\u00a0<\/strong><\/li>\n<\/ul>\n<h2 class=\"fusion-responsive-typography-calculated\" data-fontsize=\"20\" data-lineheight=\"30px\"><strong>Cuando sea necesario, tome prestado de manera inteligente<\/strong><\/h2>\n<p>Si sus finanzas est\u00e1n demasiado dispersas esta temporada, no empiece a usar sus tarjetas de cr\u00e9dito de inmediato. En su lugar, considere un pr\u00e9stamo para las fiestas. Estos pr\u00e9stamos son simplemente pr\u00e9stamos personales envueltos en un paquete elegante, a menudo con incentivos para las fiestas.<\/p>\n<p>Si bien las tarjetas de cr\u00e9dito son convenientes, los pr\u00e9stamos personales (para vacaciones) ofrecen importantes beneficios financieros:<\/p>\n<ul>\n<li><strong>M\u00e1s asequible:\u00a0<\/strong>La mayor\u00eda de los pr\u00e9stamos para vacaciones tendr\u00e1n tasas de inter\u00e9s significativamente m\u00e1s bajas que las tarjetas de cr\u00e9dito tradicionales de los grandes bancos o las tarjetas patrocinadas por tiendas.<\/li>\n<\/ul>\n<ul>\n<li><strong>Presupuesto m\u00e1s f\u00e1cil:<\/strong>\u00a0Con un pr\u00e9stamo para las vacaciones, recibir\u00e1s una cantidad fija en d\u00f3lares. Esta caracter\u00edstica es una de las mejores maneras de evitar gastar de m\u00e1s y tener problemas financieros en enero.<\/li>\n<\/ul>\n<ul>\n<li><strong>Pago m\u00e1s r\u00e1pido:<\/strong>\u00a0A diferencia de las tarjetas de cr\u00e9dito, que solo exigen un pago m\u00ednimo mensual, los pr\u00e9stamos para vacaciones tienen plazos de devoluci\u00f3n establecidos, como un pr\u00e9stamo para un autom\u00f3vil. El resultado es que probablemente saldar\u00e1s la deuda mucho m\u00e1s r\u00e1pido y pagar\u00e1s significativamente menos intereses en comparaci\u00f3n con una tarjeta de cr\u00e9dito.<\/li>\n<\/ul>\n<h2 class=\"fusion-responsive-typography-calculated\" data-fontsize=\"20\" data-lineheight=\"30px\"><strong>\u00a1Estamos aqu\u00ed para ayudar!<\/strong><\/h2>\n<p>Haga que las fiestas sean alegres y brillantes con un presupuesto inteligente y haciendo compras inteligentes. Con un poco de trabajo de preparaci\u00f3n, puede mantener sus gastos bajo control y encontrar grandes ofertas para todos en su lista este a\u00f1o.<\/p>\n<p>Si desea obtener m\u00e1s informaci\u00f3n sobre nuestros pr\u00e9stamos vacacionales a bajo inter\u00e9s y c\u00f3mo pueden ofrecer una alternativa asequible a las tarjetas de cr\u00e9dito, estamos listos para ayudarlo. Visite cualquiera de nuestras sucursales convenientes o llame al 888-777-9982 para hablar con un miembro del equipo hoy mismo.<\/p>\n<p>\u00a1Felices fiestas!<\/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 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