AHORRAR O GASTAR: CINCO MANERAS DE HACER QUE SU DEVOLUCI\u00d3N CUENTE ESTA TEMPORADA DE IMPUESTOS<\/h1><\/div>SEG\u00daN EL SERVICIO DE RENTAS INTERNAS, LOS CONTRIBUYENTES DEL PA\u00cdS RECIBIR\u00c1N UNA DEVOLUCI\u00d3N MEDIA DE CASI $3.000<\/h4><\/div>Esta primavera, m\u00e1s de 80% de los estadounidenses se har\u00e1n la misma pregunta: \"\u00bfDebo ahorrar mi devoluci\u00f3n de impuestos o gast\u00e1rmela?\". Seg\u00fan el Servicio de Impuestos Internos, los contribuyentes del pa\u00eds recibir\u00e1n una devoluci\u00f3n de impuestos media de casi $3.000.<\/p>\n
Para muchos hogares, la devoluci\u00f3n de impuestos es la mayor suma de dinero que reciben al a\u00f1o, por lo que la temporada de impuestos es un buen momento para tomar medidas que garanticen su bienestar financiero. La devoluci\u00f3n de impuestos puede utilizarse para saldar deudas, ahorrar para un d\u00eda lluvioso o empezar a ahorrar para la jubilaci\u00f3n.<\/p>\n
North Shore Trust and Savings est\u00e1 aqu\u00ed para ayudarle a tomar una decisi\u00f3n informada. Nuestros experimentados Banqueros Universales pueden abrir una cuenta de ahorros o explicarle los beneficios de una cuenta IRA. Los Oficiales de Pr\u00e9stamos Hipotecarios de North Shore Trust est\u00e1n bien versados en el proceso de compra de una casa y pueden guiarle a trav\u00e9s de la compra de una casa. Nuestro enfoque \u00fanico a los pr\u00e9stamos permite a nuestros Oficiales de Pr\u00e9stamos a la tienda de varios prestamistas diferentes para la mejor tasa disponible para usted. P\u00f3ngase en contacto con nosotros hoy para empezar.<\/p>\n<\/div>
<\/div><\/div><\/div><\/div><\/div>NORTH SHORE TRUST AND SAVINGS DESTACA CINCO CONSEJOS QUE LE AYUDAR\u00c1N A SACAR EL M\u00c1XIMO PARTIDO DE SUS GANANCIAS INESPERADAS:<\/h2><\/div><\/div><\/div><\/div><\/div><\/div>![\"#1\"](\"https:\/\/www.northshoretrust.com\/wp-content\/uploads\/2018\/12\/1.png\" "\\"#1\\"")
<\/span><\/div><\/div><\/div><\/div><\/div><\/div><\/div>AHORRAR PARA EMERGENCIAS<\/h4>\n<\/div>Abra o a\u00f1ada dinero a una cuenta de ahorro que sirva de \"fondo de emergencia\". Los planificadores financieros dicen que lo ideal es que su fondo de emergencia contenga entre tres y seis meses de gastos de manutenci\u00f3n. Esta cantidad proporcionar\u00e1 fondos suficientes en caso de dificultades financieras repentinas, como perder el trabajo o tener que sustituir el coche. Pero seamos sinceros: la Reserva Federal descubri\u00f3 que 47% de los estadounidenses no podr\u00edan permitirse un gasto inesperado de $400 sin pedir prestado el dinero o empe\u00f1ar algo de valor. Eso significa que ahorrar entre tres y seis meses de gastos de manutenci\u00f3n es una suma de dinero inimaginable y, por tanto, inalcanzable. Empieza con un objetivo de $500, y luego trabaja hacia $1.000. La buena noticia es que cualquiera de las dos cantidades es s\u00f3lo una peque\u00f1a parte de la devoluci\u00f3n media de impuestos.<\/p>\n<\/div><\/div><\/div>
<\/div><\/div><\/div><\/div><\/div>![\"#2\"](\"https:\/\/www.northshoretrust.com\/wp-content\/uploads\/2018\/12\/2.png\" "\\"#2\\"")
<\/span><\/div><\/div><\/div><\/div><\/div><\/div><\/div>SALDAR \/ AMORTIZAR DEUDAS<\/h4>\n<\/div>El hogar estadounidense medio tiene una deuda total de $16.000 en tarjetas de cr\u00e9dito, repartida en tres tarjetas diferentes. Simplemente pagando el importe m\u00ednimo cada mes, el hogar medio paga casi 1.400 millones de euros al a\u00f1o en intereses de tarjetas de cr\u00e9dito. A medida que suban los tipos de inter\u00e9s, tambi\u00e9n lo har\u00e1n los de las tarjetas de cr\u00e9dito, y los correspondientes intereses adeudados. Por cada $1.000 de su devoluci\u00f3n que se aplique a la deuda pendiente de la tarjeta de cr\u00e9dito, podr\u00eda ahorrar aproximadamente $180 al a\u00f1o de gasto en intereses. En otras palabras, pagando los saldos de tus tarjetas de cr\u00e9dito en $1.500 ahorrar\u00e1s casi lo suficiente para cubrir un a\u00f1o completo de Netflix y Amazon Prime, adem\u00e1s de dejar suficiente para un dep\u00f3sito de gasolina.<\/p>\n<\/div><\/div><\/div>
<\/div><\/div><\/div><\/div><\/div>![\"#3\"](\"https:\/\/www.northshoretrust.com\/wp-content\/uploads\/2018\/12\/3.png\" "\\"#3\\"")
<\/span><\/div><\/div><\/div><\/div><\/div><\/div><\/div>AHORRAR PARA LA JUBILACI\u00d3N<\/h4>\n<\/div>Abra o aumente las aportaciones a un plan de ahorro con impuestos diferidos, como un plan 401(k) o una cuenta de jubilaci\u00f3n individual (IRA). Seg\u00fan la Oficina de Rendici\u00f3n de Cuentas del Gobierno, alrededor de la mitad de los hogares estadounidenses no tienen ninguna cuenta de jubilaci\u00f3n. Ni 401(k), ni IRA, ni pensi\u00f3n, nada aparte de la Seguridad Social. Casi 30% de los hogares de 55 a\u00f1os o m\u00e1s no tienen ahorros para la jubilaci\u00f3n ni pensi\u00f3n. Eso podr\u00eda explicar por qu\u00e9 casi 25% de los que trabajan piensan seguir haci\u00e9ndolo hasta los 70 a\u00f1os. Si su empresa ofrece un plan 401(k), empiece a contribuir para aprovechar cualquier aportaci\u00f3n de la empresa y utilice su devoluci\u00f3n de impuestos para compensar la peque\u00f1a disminuci\u00f3n de su n\u00f3mina cada mes. De lo contrario, cree una cuenta IRA con una parte de su devoluci\u00f3n y vaya a\u00f1adiendo dinero cada a\u00f1o. Todo ayuda, e incluso las aportaciones m\u00e1s peque\u00f1as pueden convertirse en cantidades importantes con el tiempo.<\/p>\n<\/div><\/div><\/div>
<\/div><\/div><\/div><\/div><\/div>![\"#4\"](\"https:\/\/www.northshoretrust.com\/wp-content\/uploads\/2018\/12\/4.png\" "\\"#4\\"")
<\/span><\/div><\/div><\/div><\/div><\/div><\/div><\/div>DESTINARLO AL PAGO INICIAL<\/h4>\n<\/div>El mayor reto al que se enfrenta la mayor\u00eda de los compradores de vivienda por primera vez es conseguir el dinero suficiente para el pago inicial. Si tiene intenci\u00f3n de comprar una casa nueva en un futuro pr\u00f3ximo, destinar su devoluci\u00f3n de impuestos al pago inicial aumentar\u00e1 considerablemente sus ahorros. Un pago inicial mayor le permitir\u00e1 buscar una casa en un rango de precios m\u00e1s alto o reducir los costes de la hipoteca.<\/p>\n<\/div><\/div><\/div>
<\/div><\/div><\/div><\/div><\/div>![\"#5\"](\"https:\/\/www.northshoretrust.com\/wp-content\/uploads\/2018\/12\/5.png\" "\\"#5\\"")
<\/span><\/div><\/div><\/div><\/div><\/div><\/div><\/div>INVERTIR EN SU VIVIENDA ACTUAL<\/h4>\n<\/div>Utilice su devoluci\u00f3n para invertir en mejoras que le compensen a largo plazo, aumentando el valor de su vivienda. Puede tratarse de peque\u00f1as mejoras rentables, como pintura nueva o iluminaci\u00f3n, o de mejoras m\u00e1s importantes, como ventanas nuevas o electrodom\u00e9sticos de bajo consumo. Las mejoras en el hogar pueden compensarle haciendo que su casa sea m\u00e1s agradable para vivir o mejorando sus posibilidades de una venta r\u00e1pida al precio m\u00e1s alto.<\/p>\n<\/div><\/div><\/div>
<\/div><\/div><\/div><\/div><\/div><\/p>","protected":false},"excerpt":{"rendered":"Esta primavera, m\u00e1s de 80% de los estadounidenses se har\u00e1n la misma pregunta: \"\u00bfDebo ahorrar mi devoluci\u00f3n de impuestos o gast\u00e1rmela?\". Seg\u00fan el Servicio de Impuestos Internos, los contribuyentes del pa\u00eds recibir\u00e1n una devoluci\u00f3n de impuestos media de casi $3.000.<\/p>","protected":false},"author":1,"featured_media":1180,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"inline_featured_image":false,"footnotes":""},"categories":[10,12],"tags":[],"class_list":["post-570","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-blog_spotlight","category-taxes"],"yoast_head":"\n
SAVE OR SPEND: FIVE WAYS TO MAKE YOUR REFUND COUNT THIS TAX SEASON - North Shore Trust and Savings<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.northshoretrust.com\/es\/2018\/12\/27\/ahorrar-o-gastar\/\" \/>\n<meta property=\"og:locale\" content=\"es_MX\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"SAVE OR SPEND: FIVE WAYS TO MAKE YOUR REFUND COUNT THIS TAX SEASON - North Shore Trust and Savings\" \/>\n<meta property=\"og:description\" content=\"This spring, over 80% of Americans will be asking the same question: \u201cShould I save my tax refund or spend it?\u201d According to the Internal Revenue Service, the nation\u2019s taxpayers will receive an average tax refund of nearly $3,000.\" \/>\n<meta property=\"og:url\" content=\"https:\/\/www.northshoretrust.com\/es\/2018\/12\/27\/ahorrar-o-gastar\/\" \/>\n<meta property=\"og:site_name\" content=\"North Shore Trust and Savings\" \/>\n<meta property=\"article:published_time\" content=\"2018-12-27T21:31:42+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2023-11-06T15:17:09+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/www.northshoretrust.com\/wp-content\/uploads\/2018\/12\/NSTS-SpendSave.png\" \/>\n\t<meta property=\"og:image:width\" content=\"453\" \/>\n\t<meta property=\"og:image:height\" content=\"275\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/png\" \/>\n<meta name=\"author\" content=\"dooley\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:label1\" content=\"Escrito por\" \/>\n\t<meta name=\"twitter:data1\" content=\"dooley\" \/>\n\t<meta name=\"twitter:label2\" content=\"Tiempo de lectura\" \/>\n\t<meta name=\"twitter:data2\" content=\"19 minutos\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\\\/\\\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\\\/\\\/www.northshoretrust.com\\\/2018\\\/12\\\/27\\\/save-or-spend\\\/#article\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/www.northshoretrust.com\\\/2018\\\/12\\\/27\\\/save-or-spend\\\/\"},\"author\":{\"name\":\"dooley\",\"@id\":\"https:\\\/\\\/www.northshoretrust.com\\\/#\\\/schema\\\/person\\\/0739578a1f950587c5be7609ee4729e4\"},\"headline\":\"SAVE OR SPEND: FIVE WAYS TO MAKE YOUR REFUND COUNT THIS TAX SEASON\",\"datePublished\":\"2018-12-27T21:31:42+00:00\",\"dateModified\":\"2023-11-06T15:17:09+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\\\/\\\/www.northshoretrust.com\\\/2018\\\/12\\\/27\\\/save-or-spend\\\/\"},\"wordCount\":3849,\"image\":{\"@id\":\"https:\\\/\\\/www.northshoretrust.com\\\/2018\\\/12\\\/27\\\/save-or-spend\\\/#primaryimage\"},\"thumbnailUrl\":\"https:\\\/\\\/www.northshoretrust.com\\\/wp-content\\\/uploads\\\/2018\\\/12\\\/NSTS-SpendSave.png\",\"articleSection\":[\"blog_spotlight\",\"Taxes\"],\"inLanguage\":\"es\"},{\"@type\":\"WebPage\",\"@id\":\"https:\\\/\\\/www.northshoretrust.com\\\/2018\\\/12\\\/27\\\/save-or-spend\\\/\",\"url\":\"https:\\\/\\\/www.northshoretrust.com\\\/2018\\\/12\\\/27\\\/save-or-spend\\\/\",\"name\":\"SAVE OR SPEND: FIVE WAYS TO MAKE YOUR REFUND COUNT THIS TAX SEASON - 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SEG\u00daN EL SERVICIO DE RENTAS INTERNAS, LOS CONTRIBUYENTES DEL PA\u00cdS RECIBIR\u00c1N UNA DEVOLUCI\u00d3N MEDIA DE CASI $3.000<\/h4><\/div>Esta primavera, m\u00e1s de 80% de los estadounidenses se har\u00e1n la misma pregunta: \"\u00bfDebo ahorrar mi devoluci\u00f3n de impuestos o gast\u00e1rmela?\". Seg\u00fan el Servicio de Impuestos Internos, los contribuyentes del pa\u00eds recibir\u00e1n una devoluci\u00f3n de impuestos media de casi $3.000.<\/p>\n
Para muchos hogares, la devoluci\u00f3n de impuestos es la mayor suma de dinero que reciben al a\u00f1o, por lo que la temporada de impuestos es un buen momento para tomar medidas que garanticen su bienestar financiero. La devoluci\u00f3n de impuestos puede utilizarse para saldar deudas, ahorrar para un d\u00eda lluvioso o empezar a ahorrar para la jubilaci\u00f3n.<\/p>\n
North Shore Trust and Savings est\u00e1 aqu\u00ed para ayudarle a tomar una decisi\u00f3n informada. Nuestros experimentados Banqueros Universales pueden abrir una cuenta de ahorros o explicarle los beneficios de una cuenta IRA. Los Oficiales de Pr\u00e9stamos Hipotecarios de North Shore Trust est\u00e1n bien versados en el proceso de compra de una casa y pueden guiarle a trav\u00e9s de la compra de una casa. Nuestro enfoque \u00fanico a los pr\u00e9stamos permite a nuestros Oficiales de Pr\u00e9stamos a la tienda de varios prestamistas diferentes para la mejor tasa disponible para usted. P\u00f3ngase en contacto con nosotros hoy para empezar.<\/p>\n<\/div>
<\/div><\/div><\/div><\/div><\/div>NORTH SHORE TRUST AND SAVINGS DESTACA CINCO CONSEJOS QUE LE AYUDAR\u00c1N A SACAR EL M\u00c1XIMO PARTIDO DE SUS GANANCIAS INESPERADAS:<\/h2><\/div><\/div><\/div><\/div><\/div><\/div><\/span><\/div><\/div><\/div><\/div><\/div><\/div><\/div>AHORRAR PARA EMERGENCIAS<\/h4>\n<\/div>Abra o a\u00f1ada dinero a una cuenta de ahorro que sirva de \"fondo de emergencia\". Los planificadores financieros dicen que lo ideal es que su fondo de emergencia contenga entre tres y seis meses de gastos de manutenci\u00f3n. Esta cantidad proporcionar\u00e1 fondos suficientes en caso de dificultades financieras repentinas, como perder el trabajo o tener que sustituir el coche. Pero seamos sinceros: la Reserva Federal descubri\u00f3 que 47% de los estadounidenses no podr\u00edan permitirse un gasto inesperado de $400 sin pedir prestado el dinero o empe\u00f1ar algo de valor. Eso significa que ahorrar entre tres y seis meses de gastos de manutenci\u00f3n es una suma de dinero inimaginable y, por tanto, inalcanzable. Empieza con un objetivo de $500, y luego trabaja hacia $1.000. La buena noticia es que cualquiera de las dos cantidades es s\u00f3lo una peque\u00f1a parte de la devoluci\u00f3n media de impuestos.<\/p>\n<\/div><\/div><\/div>
<\/div><\/div><\/div><\/div><\/div><\/span><\/div><\/div><\/div><\/div><\/div><\/div><\/div>SALDAR \/ AMORTIZAR DEUDAS<\/h4>\n<\/div>El hogar estadounidense medio tiene una deuda total de $16.000 en tarjetas de cr\u00e9dito, repartida en tres tarjetas diferentes. Simplemente pagando el importe m\u00ednimo cada mes, el hogar medio paga casi 1.400 millones de euros al a\u00f1o en intereses de tarjetas de cr\u00e9dito. A medida que suban los tipos de inter\u00e9s, tambi\u00e9n lo har\u00e1n los de las tarjetas de cr\u00e9dito, y los correspondientes intereses adeudados. Por cada $1.000 de su devoluci\u00f3n que se aplique a la deuda pendiente de la tarjeta de cr\u00e9dito, podr\u00eda ahorrar aproximadamente $180 al a\u00f1o de gasto en intereses. En otras palabras, pagando los saldos de tus tarjetas de cr\u00e9dito en $1.500 ahorrar\u00e1s casi lo suficiente para cubrir un a\u00f1o completo de Netflix y Amazon Prime, adem\u00e1s de dejar suficiente para un dep\u00f3sito de gasolina.<\/p>\n<\/div><\/div><\/div>
<\/div><\/div><\/div><\/div><\/div><\/span><\/div><\/div><\/div><\/div><\/div><\/div><\/div>AHORRAR PARA LA JUBILACI\u00d3N<\/h4>\n<\/div>Abra o aumente las aportaciones a un plan de ahorro con impuestos diferidos, como un plan 401(k) o una cuenta de jubilaci\u00f3n individual (IRA). Seg\u00fan la Oficina de Rendici\u00f3n de Cuentas del Gobierno, alrededor de la mitad de los hogares estadounidenses no tienen ninguna cuenta de jubilaci\u00f3n. Ni 401(k), ni IRA, ni pensi\u00f3n, nada aparte de la Seguridad Social. Casi 30% de los hogares de 55 a\u00f1os o m\u00e1s no tienen ahorros para la jubilaci\u00f3n ni pensi\u00f3n. Eso podr\u00eda explicar por qu\u00e9 casi 25% de los que trabajan piensan seguir haci\u00e9ndolo hasta los 70 a\u00f1os. Si su empresa ofrece un plan 401(k), empiece a contribuir para aprovechar cualquier aportaci\u00f3n de la empresa y utilice su devoluci\u00f3n de impuestos para compensar la peque\u00f1a disminuci\u00f3n de su n\u00f3mina cada mes. De lo contrario, cree una cuenta IRA con una parte de su devoluci\u00f3n y vaya a\u00f1adiendo dinero cada a\u00f1o. Todo ayuda, e incluso las aportaciones m\u00e1s peque\u00f1as pueden convertirse en cantidades importantes con el tiempo.<\/p>\n<\/div><\/div><\/div>
<\/div><\/div><\/div><\/div><\/div><\/span><\/div><\/div><\/div><\/div><\/div><\/div><\/div>DESTINARLO AL PAGO INICIAL<\/h4>\n<\/div>El mayor reto al que se enfrenta la mayor\u00eda de los compradores de vivienda por primera vez es conseguir el dinero suficiente para el pago inicial. Si tiene intenci\u00f3n de comprar una casa nueva en un futuro pr\u00f3ximo, destinar su devoluci\u00f3n de impuestos al pago inicial aumentar\u00e1 considerablemente sus ahorros. Un pago inicial mayor le permitir\u00e1 buscar una casa en un rango de precios m\u00e1s alto o reducir los costes de la hipoteca.<\/p>\n<\/div><\/div><\/div>
<\/div><\/div><\/div><\/div><\/div><\/span><\/div><\/div><\/div><\/div><\/div><\/div><\/div>INVERTIR EN SU VIVIENDA ACTUAL<\/h4>\n<\/div>Utilice su devoluci\u00f3n para invertir en mejoras que le compensen a largo plazo, aumentando el valor de su vivienda. Puede tratarse de peque\u00f1as mejoras rentables, como pintura nueva o iluminaci\u00f3n, o de mejoras m\u00e1s importantes, como ventanas nuevas o electrodom\u00e9sticos de bajo consumo. Las mejoras en el hogar pueden compensarle haciendo que su casa sea m\u00e1s agradable para vivir o mejorando sus posibilidades de una venta r\u00e1pida al precio m\u00e1s alto.<\/p>\n<\/div><\/div><\/div>
<\/div><\/div><\/div><\/div><\/div><\/p>","protected":false},"excerpt":{"rendered":"Esta primavera, m\u00e1s de 80% de los estadounidenses se har\u00e1n la misma pregunta: \"\u00bfDebo ahorrar mi devoluci\u00f3n de impuestos o gast\u00e1rmela?\". Seg\u00fan el Servicio de Impuestos Internos, los contribuyentes del pa\u00eds recibir\u00e1n una devoluci\u00f3n de impuestos media de casi $3.000.<\/p>","protected":false},"author":1,"featured_media":1180,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"inline_featured_image":false,"footnotes":""},"categories":[10,12],"tags":[],"class_list":["post-570","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-blog_spotlight","category-taxes"],"yoast_head":"\n
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Esta primavera, m\u00e1s de 80% de los estadounidenses se har\u00e1n la misma pregunta: \"\u00bfDebo ahorrar mi devoluci\u00f3n de impuestos o gast\u00e1rmela?\". Seg\u00fan el Servicio de Impuestos Internos, los contribuyentes del pa\u00eds recibir\u00e1n una devoluci\u00f3n de impuestos media de casi $3.000.<\/p>\n
Para muchos hogares, la devoluci\u00f3n de impuestos es la mayor suma de dinero que reciben al a\u00f1o, por lo que la temporada de impuestos es un buen momento para tomar medidas que garanticen su bienestar financiero. La devoluci\u00f3n de impuestos puede utilizarse para saldar deudas, ahorrar para un d\u00eda lluvioso o empezar a ahorrar para la jubilaci\u00f3n.<\/p>\n
North Shore Trust and Savings est\u00e1 aqu\u00ed para ayudarle a tomar una decisi\u00f3n informada. Nuestros experimentados Banqueros Universales pueden abrir una cuenta de ahorros o explicarle los beneficios de una cuenta IRA. Los Oficiales de Pr\u00e9stamos Hipotecarios de North Shore Trust est\u00e1n bien versados en el proceso de compra de una casa y pueden guiarle a trav\u00e9s de la compra de una casa. Nuestro enfoque \u00fanico a los pr\u00e9stamos permite a nuestros Oficiales de Pr\u00e9stamos a la tienda de varios prestamistas diferentes para la mejor tasa disponible para usted. P\u00f3ngase en contacto con nosotros hoy para empezar.<\/p>\n<\/div>
NORTH SHORE TRUST AND SAVINGS DESTACA CINCO CONSEJOS QUE LE AYUDAR\u00c1N A SACAR EL M\u00c1XIMO PARTIDO DE SUS GANANCIAS INESPERADAS:<\/h2><\/div><\/div><\/div><\/div><\/div><\/div><\/span><\/div><\/div><\/div><\/div><\/div><\/div><\/div>AHORRAR PARA EMERGENCIAS<\/h4>\n<\/div>Abra o a\u00f1ada dinero a una cuenta de ahorro que sirva de \"fondo de emergencia\". Los planificadores financieros dicen que lo ideal es que su fondo de emergencia contenga entre tres y seis meses de gastos de manutenci\u00f3n. Esta cantidad proporcionar\u00e1 fondos suficientes en caso de dificultades financieras repentinas, como perder el trabajo o tener que sustituir el coche. Pero seamos sinceros: la Reserva Federal descubri\u00f3 que 47% de los estadounidenses no podr\u00edan permitirse un gasto inesperado de $400 sin pedir prestado el dinero o empe\u00f1ar algo de valor. Eso significa que ahorrar entre tres y seis meses de gastos de manutenci\u00f3n es una suma de dinero inimaginable y, por tanto, inalcanzable. Empieza con un objetivo de $500, y luego trabaja hacia $1.000. La buena noticia es que cualquiera de las dos cantidades es s\u00f3lo una peque\u00f1a parte de la devoluci\u00f3n media de impuestos.<\/p>\n<\/div><\/div><\/div>
<\/div><\/div><\/div><\/div><\/div><\/span><\/div><\/div><\/div><\/div><\/div><\/div><\/div>SALDAR \/ AMORTIZAR DEUDAS<\/h4>\n<\/div>El hogar estadounidense medio tiene una deuda total de $16.000 en tarjetas de cr\u00e9dito, repartida en tres tarjetas diferentes. Simplemente pagando el importe m\u00ednimo cada mes, el hogar medio paga casi 1.400 millones de euros al a\u00f1o en intereses de tarjetas de cr\u00e9dito. A medida que suban los tipos de inter\u00e9s, tambi\u00e9n lo har\u00e1n los de las tarjetas de cr\u00e9dito, y los correspondientes intereses adeudados. Por cada $1.000 de su devoluci\u00f3n que se aplique a la deuda pendiente de la tarjeta de cr\u00e9dito, podr\u00eda ahorrar aproximadamente $180 al a\u00f1o de gasto en intereses. En otras palabras, pagando los saldos de tus tarjetas de cr\u00e9dito en $1.500 ahorrar\u00e1s casi lo suficiente para cubrir un a\u00f1o completo de Netflix y Amazon Prime, adem\u00e1s de dejar suficiente para un dep\u00f3sito de gasolina.<\/p>\n<\/div><\/div><\/div>
<\/div><\/div><\/div><\/div><\/div><\/span><\/div><\/div><\/div><\/div><\/div><\/div><\/div>AHORRAR PARA LA JUBILACI\u00d3N<\/h4>\n<\/div>Abra o aumente las aportaciones a un plan de ahorro con impuestos diferidos, como un plan 401(k) o una cuenta de jubilaci\u00f3n individual (IRA). Seg\u00fan la Oficina de Rendici\u00f3n de Cuentas del Gobierno, alrededor de la mitad de los hogares estadounidenses no tienen ninguna cuenta de jubilaci\u00f3n. Ni 401(k), ni IRA, ni pensi\u00f3n, nada aparte de la Seguridad Social. Casi 30% de los hogares de 55 a\u00f1os o m\u00e1s no tienen ahorros para la jubilaci\u00f3n ni pensi\u00f3n. Eso podr\u00eda explicar por qu\u00e9 casi 25% de los que trabajan piensan seguir haci\u00e9ndolo hasta los 70 a\u00f1os. Si su empresa ofrece un plan 401(k), empiece a contribuir para aprovechar cualquier aportaci\u00f3n de la empresa y utilice su devoluci\u00f3n de impuestos para compensar la peque\u00f1a disminuci\u00f3n de su n\u00f3mina cada mes. De lo contrario, cree una cuenta IRA con una parte de su devoluci\u00f3n y vaya a\u00f1adiendo dinero cada a\u00f1o. Todo ayuda, e incluso las aportaciones m\u00e1s peque\u00f1as pueden convertirse en cantidades importantes con el tiempo.<\/p>\n<\/div><\/div><\/div>
<\/div><\/div><\/div><\/div><\/div><\/span><\/div><\/div><\/div><\/div><\/div><\/div><\/div>DESTINARLO AL PAGO INICIAL<\/h4>\n<\/div>El mayor reto al que se enfrenta la mayor\u00eda de los compradores de vivienda por primera vez es conseguir el dinero suficiente para el pago inicial. Si tiene intenci\u00f3n de comprar una casa nueva en un futuro pr\u00f3ximo, destinar su devoluci\u00f3n de impuestos al pago inicial aumentar\u00e1 considerablemente sus ahorros. Un pago inicial mayor le permitir\u00e1 buscar una casa en un rango de precios m\u00e1s alto o reducir los costes de la hipoteca.<\/p>\n<\/div><\/div><\/div>
<\/div><\/div><\/div><\/div><\/div><\/span><\/div><\/div><\/div><\/div><\/div><\/div><\/div>INVERTIR EN SU VIVIENDA ACTUAL<\/h4>\n<\/div>Utilice su devoluci\u00f3n para invertir en mejoras que le compensen a largo plazo, aumentando el valor de su vivienda. Puede tratarse de peque\u00f1as mejoras rentables, como pintura nueva o iluminaci\u00f3n, o de mejoras m\u00e1s importantes, como ventanas nuevas o electrodom\u00e9sticos de bajo consumo. Las mejoras en el hogar pueden compensarle haciendo que su casa sea m\u00e1s agradable para vivir o mejorando sus posibilidades de una venta r\u00e1pida al precio m\u00e1s alto.<\/p>\n<\/div><\/div><\/div>
<\/div><\/div><\/div><\/div><\/div><\/p>","protected":false},"excerpt":{"rendered":"Esta primavera, m\u00e1s de 80% de los estadounidenses se har\u00e1n la misma pregunta: \"\u00bfDebo ahorrar mi devoluci\u00f3n de impuestos o gast\u00e1rmela?\". Seg\u00fan el Servicio de Impuestos Internos, los contribuyentes del pa\u00eds recibir\u00e1n una devoluci\u00f3n de impuestos media de casi $3.000.<\/p>","protected":false},"author":1,"featured_media":1180,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"inline_featured_image":false,"footnotes":""},"categories":[10,12],"tags":[],"class_list":["post-570","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-blog_spotlight","category-taxes"],"yoast_head":"\n
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<\/span><\/div><\/div><\/div><\/div>AHORRAR PARA EMERGENCIAS<\/h4>\n<\/div>Abra o a\u00f1ada dinero a una cuenta de ahorro que sirva de \"fondo de emergencia\". Los planificadores financieros dicen que lo ideal es que su fondo de emergencia contenga entre tres y seis meses de gastos de manutenci\u00f3n. Esta cantidad proporcionar\u00e1 fondos suficientes en caso de dificultades financieras repentinas, como perder el trabajo o tener que sustituir el coche. Pero seamos sinceros: la Reserva Federal descubri\u00f3 que 47% de los estadounidenses no podr\u00edan permitirse un gasto inesperado de $400 sin pedir prestado el dinero o empe\u00f1ar algo de valor. Eso significa que ahorrar entre tres y seis meses de gastos de manutenci\u00f3n es una suma de dinero inimaginable y, por tanto, inalcanzable. Empieza con un objetivo de $500, y luego trabaja hacia $1.000. La buena noticia es que cualquiera de las dos cantidades es s\u00f3lo una peque\u00f1a parte de la devoluci\u00f3n media de impuestos.<\/p>\n<\/div><\/div><\/div>
<\/div><\/div><\/div><\/div><\/div><\/span><\/div><\/div><\/div><\/div><\/div><\/div><\/div>SALDAR \/ AMORTIZAR DEUDAS<\/h4>\n<\/div>El hogar estadounidense medio tiene una deuda total de $16.000 en tarjetas de cr\u00e9dito, repartida en tres tarjetas diferentes. Simplemente pagando el importe m\u00ednimo cada mes, el hogar medio paga casi 1.400 millones de euros al a\u00f1o en intereses de tarjetas de cr\u00e9dito. A medida que suban los tipos de inter\u00e9s, tambi\u00e9n lo har\u00e1n los de las tarjetas de cr\u00e9dito, y los correspondientes intereses adeudados. Por cada $1.000 de su devoluci\u00f3n que se aplique a la deuda pendiente de la tarjeta de cr\u00e9dito, podr\u00eda ahorrar aproximadamente $180 al a\u00f1o de gasto en intereses. En otras palabras, pagando los saldos de tus tarjetas de cr\u00e9dito en $1.500 ahorrar\u00e1s casi lo suficiente para cubrir un a\u00f1o completo de Netflix y Amazon Prime, adem\u00e1s de dejar suficiente para un dep\u00f3sito de gasolina.<\/p>\n<\/div><\/div><\/div>
<\/div><\/div><\/div><\/div><\/div><\/span><\/div><\/div><\/div><\/div><\/div><\/div><\/div>AHORRAR PARA LA JUBILACI\u00d3N<\/h4>\n<\/div>Abra o aumente las aportaciones a un plan de ahorro con impuestos diferidos, como un plan 401(k) o una cuenta de jubilaci\u00f3n individual (IRA). Seg\u00fan la Oficina de Rendici\u00f3n de Cuentas del Gobierno, alrededor de la mitad de los hogares estadounidenses no tienen ninguna cuenta de jubilaci\u00f3n. Ni 401(k), ni IRA, ni pensi\u00f3n, nada aparte de la Seguridad Social. Casi 30% de los hogares de 55 a\u00f1os o m\u00e1s no tienen ahorros para la jubilaci\u00f3n ni pensi\u00f3n. Eso podr\u00eda explicar por qu\u00e9 casi 25% de los que trabajan piensan seguir haci\u00e9ndolo hasta los 70 a\u00f1os. Si su empresa ofrece un plan 401(k), empiece a contribuir para aprovechar cualquier aportaci\u00f3n de la empresa y utilice su devoluci\u00f3n de impuestos para compensar la peque\u00f1a disminuci\u00f3n de su n\u00f3mina cada mes. De lo contrario, cree una cuenta IRA con una parte de su devoluci\u00f3n y vaya a\u00f1adiendo dinero cada a\u00f1o. Todo ayuda, e incluso las aportaciones m\u00e1s peque\u00f1as pueden convertirse en cantidades importantes con el tiempo.<\/p>\n<\/div><\/div><\/div>
<\/div><\/div><\/div><\/div><\/div><\/span><\/div><\/div><\/div><\/div><\/div><\/div><\/div>DESTINARLO AL PAGO INICIAL<\/h4>\n<\/div>El mayor reto al que se enfrenta la mayor\u00eda de los compradores de vivienda por primera vez es conseguir el dinero suficiente para el pago inicial. Si tiene intenci\u00f3n de comprar una casa nueva en un futuro pr\u00f3ximo, destinar su devoluci\u00f3n de impuestos al pago inicial aumentar\u00e1 considerablemente sus ahorros. Un pago inicial mayor le permitir\u00e1 buscar una casa en un rango de precios m\u00e1s alto o reducir los costes de la hipoteca.<\/p>\n<\/div><\/div><\/div>
<\/div><\/div><\/div><\/div><\/div><\/span><\/div><\/div><\/div><\/div><\/div><\/div><\/div>INVERTIR EN SU VIVIENDA ACTUAL<\/h4>\n<\/div>Utilice su devoluci\u00f3n para invertir en mejoras que le compensen a largo plazo, aumentando el valor de su vivienda. Puede tratarse de peque\u00f1as mejoras rentables, como pintura nueva o iluminaci\u00f3n, o de mejoras m\u00e1s importantes, como ventanas nuevas o electrodom\u00e9sticos de bajo consumo. Las mejoras en el hogar pueden compensarle haciendo que su casa sea m\u00e1s agradable para vivir o mejorando sus posibilidades de una venta r\u00e1pida al precio m\u00e1s alto.<\/p>\n<\/div><\/div><\/div>
<\/div><\/div><\/div><\/div><\/div><\/p>","protected":false},"excerpt":{"rendered":"Esta primavera, m\u00e1s de 80% de los estadounidenses se har\u00e1n la misma pregunta: \"\u00bfDebo ahorrar mi devoluci\u00f3n de impuestos o gast\u00e1rmela?\". Seg\u00fan el Servicio de Impuestos Internos, los contribuyentes del pa\u00eds recibir\u00e1n una devoluci\u00f3n de impuestos media de casi $3.000.<\/p>","protected":false},"author":1,"featured_media":1180,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"inline_featured_image":false,"footnotes":""},"categories":[10,12],"tags":[],"class_list":["post-570","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-blog_spotlight","category-taxes"],"yoast_head":"\n
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Abra o a\u00f1ada dinero a una cuenta de ahorro que sirva de \"fondo de emergencia\". Los planificadores financieros dicen que lo ideal es que su fondo de emergencia contenga entre tres y seis meses de gastos de manutenci\u00f3n. Esta cantidad proporcionar\u00e1 fondos suficientes en caso de dificultades financieras repentinas, como perder el trabajo o tener que sustituir el coche. Pero seamos sinceros: la Reserva Federal descubri\u00f3 que 47% de los estadounidenses no podr\u00edan permitirse un gasto inesperado de $400 sin pedir prestado el dinero o empe\u00f1ar algo de valor. Eso significa que ahorrar entre tres y seis meses de gastos de manutenci\u00f3n es una suma de dinero inimaginable y, por tanto, inalcanzable. Empieza con un objetivo de $500, y luego trabaja hacia $1.000. La buena noticia es que cualquiera de las dos cantidades es s\u00f3lo una peque\u00f1a parte de la devoluci\u00f3n media de impuestos.<\/p>\n<\/div><\/div><\/div>
<\/span><\/div><\/div><\/div><\/div>SALDAR \/ AMORTIZAR DEUDAS<\/h4>\n<\/div>El hogar estadounidense medio tiene una deuda total de $16.000 en tarjetas de cr\u00e9dito, repartida en tres tarjetas diferentes. Simplemente pagando el importe m\u00ednimo cada mes, el hogar medio paga casi 1.400 millones de euros al a\u00f1o en intereses de tarjetas de cr\u00e9dito. A medida que suban los tipos de inter\u00e9s, tambi\u00e9n lo har\u00e1n los de las tarjetas de cr\u00e9dito, y los correspondientes intereses adeudados. Por cada $1.000 de su devoluci\u00f3n que se aplique a la deuda pendiente de la tarjeta de cr\u00e9dito, podr\u00eda ahorrar aproximadamente $180 al a\u00f1o de gasto en intereses. En otras palabras, pagando los saldos de tus tarjetas de cr\u00e9dito en $1.500 ahorrar\u00e1s casi lo suficiente para cubrir un a\u00f1o completo de Netflix y Amazon Prime, adem\u00e1s de dejar suficiente para un dep\u00f3sito de gasolina.<\/p>\n<\/div><\/div><\/div>
<\/div><\/div><\/div><\/div><\/div><\/span><\/div><\/div><\/div><\/div><\/div><\/div><\/div>AHORRAR PARA LA JUBILACI\u00d3N<\/h4>\n<\/div>Abra o aumente las aportaciones a un plan de ahorro con impuestos diferidos, como un plan 401(k) o una cuenta de jubilaci\u00f3n individual (IRA). Seg\u00fan la Oficina de Rendici\u00f3n de Cuentas del Gobierno, alrededor de la mitad de los hogares estadounidenses no tienen ninguna cuenta de jubilaci\u00f3n. Ni 401(k), ni IRA, ni pensi\u00f3n, nada aparte de la Seguridad Social. Casi 30% de los hogares de 55 a\u00f1os o m\u00e1s no tienen ahorros para la jubilaci\u00f3n ni pensi\u00f3n. Eso podr\u00eda explicar por qu\u00e9 casi 25% de los que trabajan piensan seguir haci\u00e9ndolo hasta los 70 a\u00f1os. Si su empresa ofrece un plan 401(k), empiece a contribuir para aprovechar cualquier aportaci\u00f3n de la empresa y utilice su devoluci\u00f3n de impuestos para compensar la peque\u00f1a disminuci\u00f3n de su n\u00f3mina cada mes. De lo contrario, cree una cuenta IRA con una parte de su devoluci\u00f3n y vaya a\u00f1adiendo dinero cada a\u00f1o. Todo ayuda, e incluso las aportaciones m\u00e1s peque\u00f1as pueden convertirse en cantidades importantes con el tiempo.<\/p>\n<\/div><\/div><\/div>
<\/div><\/div><\/div><\/div><\/div><\/span><\/div><\/div><\/div><\/div><\/div><\/div><\/div>DESTINARLO AL PAGO INICIAL<\/h4>\n<\/div>El mayor reto al que se enfrenta la mayor\u00eda de los compradores de vivienda por primera vez es conseguir el dinero suficiente para el pago inicial. Si tiene intenci\u00f3n de comprar una casa nueva en un futuro pr\u00f3ximo, destinar su devoluci\u00f3n de impuestos al pago inicial aumentar\u00e1 considerablemente sus ahorros. Un pago inicial mayor le permitir\u00e1 buscar una casa en un rango de precios m\u00e1s alto o reducir los costes de la hipoteca.<\/p>\n<\/div><\/div><\/div>
<\/div><\/div><\/div><\/div><\/div><\/span><\/div><\/div><\/div><\/div><\/div><\/div><\/div>INVERTIR EN SU VIVIENDA ACTUAL<\/h4>\n<\/div>Utilice su devoluci\u00f3n para invertir en mejoras que le compensen a largo plazo, aumentando el valor de su vivienda. Puede tratarse de peque\u00f1as mejoras rentables, como pintura nueva o iluminaci\u00f3n, o de mejoras m\u00e1s importantes, como ventanas nuevas o electrodom\u00e9sticos de bajo consumo. Las mejoras en el hogar pueden compensarle haciendo que su casa sea m\u00e1s agradable para vivir o mejorando sus posibilidades de una venta r\u00e1pida al precio m\u00e1s alto.<\/p>\n<\/div><\/div><\/div>
<\/div><\/div><\/div><\/div><\/div><\/p>","protected":false},"excerpt":{"rendered":"Esta primavera, m\u00e1s de 80% de los estadounidenses se har\u00e1n la misma pregunta: \"\u00bfDebo ahorrar mi devoluci\u00f3n de impuestos o gast\u00e1rmela?\". Seg\u00fan el Servicio de Impuestos Internos, los contribuyentes del pa\u00eds recibir\u00e1n una devoluci\u00f3n de impuestos media de casi $3.000.<\/p>","protected":false},"author":1,"featured_media":1180,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"inline_featured_image":false,"footnotes":""},"categories":[10,12],"tags":[],"class_list":["post-570","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-blog_spotlight","category-taxes"],"yoast_head":"\n
SAVE OR SPEND: FIVE WAYS TO MAKE YOUR REFUND COUNT THIS TAX SEASON - North Shore Trust and Savings<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.northshoretrust.com\/es\/2018\/12\/27\/ahorrar-o-gastar\/\" \/>\n<meta property=\"og:locale\" content=\"es_MX\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"SAVE OR SPEND: FIVE WAYS TO MAKE YOUR REFUND COUNT THIS TAX SEASON - North Shore Trust and Savings\" \/>\n<meta property=\"og:description\" content=\"This spring, over 80% of Americans will be asking the same question: \u201cShould I save my tax refund or spend it?\u201d According to the Internal Revenue Service, the nation\u2019s taxpayers will receive an average tax refund of nearly $3,000.\" \/>\n<meta property=\"og:url\" content=\"https:\/\/www.northshoretrust.com\/es\/2018\/12\/27\/ahorrar-o-gastar\/\" \/>\n<meta property=\"og:site_name\" content=\"North Shore Trust and Savings\" \/>\n<meta property=\"article:published_time\" content=\"2018-12-27T21:31:42+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2023-11-06T15:17:09+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/www.northshoretrust.com\/wp-content\/uploads\/2018\/12\/NSTS-SpendSave.png\" \/>\n\t<meta property=\"og:image:width\" content=\"453\" \/>\n\t<meta property=\"og:image:height\" content=\"275\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/png\" \/>\n<meta name=\"author\" content=\"dooley\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:label1\" content=\"Escrito por\" \/>\n\t<meta name=\"twitter:data1\" content=\"dooley\" \/>\n\t<meta name=\"twitter:label2\" content=\"Tiempo de lectura\" \/>\n\t<meta name=\"twitter:data2\" content=\"19 minutos\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\\\/\\\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\\\/\\\/www.northshoretrust.com\\\/2018\\\/12\\\/27\\\/save-or-spend\\\/#article\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/www.northshoretrust.com\\\/2018\\\/12\\\/27\\\/save-or-spend\\\/\"},\"author\":{\"name\":\"dooley\",\"@id\":\"https:\\\/\\\/www.northshoretrust.com\\\/#\\\/schema\\\/person\\\/0739578a1f950587c5be7609ee4729e4\"},\"headline\":\"SAVE OR SPEND: FIVE WAYS TO MAKE YOUR REFUND COUNT THIS TAX SEASON\",\"datePublished\":\"2018-12-27T21:31:42+00:00\",\"dateModified\":\"2023-11-06T15:17:09+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\\\/\\\/www.northshoretrust.com\\\/2018\\\/12\\\/27\\\/save-or-spend\\\/\"},\"wordCount\":3849,\"image\":{\"@id\":\"https:\\\/\\\/www.northshoretrust.com\\\/2018\\\/12\\\/27\\\/save-or-spend\\\/#primaryimage\"},\"thumbnailUrl\":\"https:\\\/\\\/www.northshoretrust.com\\\/wp-content\\\/uploads\\\/2018\\\/12\\\/NSTS-SpendSave.png\",\"articleSection\":[\"blog_spotlight\",\"Taxes\"],\"inLanguage\":\"es\"},{\"@type\":\"WebPage\",\"@id\":\"https:\\\/\\\/www.northshoretrust.com\\\/2018\\\/12\\\/27\\\/save-or-spend\\\/\",\"url\":\"https:\\\/\\\/www.northshoretrust.com\\\/2018\\\/12\\\/27\\\/save-or-spend\\\/\",\"name\":\"SAVE OR SPEND: FIVE WAYS TO MAKE YOUR REFUND COUNT THIS TAX SEASON - 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El hogar estadounidense medio tiene una deuda total de $16.000 en tarjetas de cr\u00e9dito, repartida en tres tarjetas diferentes. Simplemente pagando el importe m\u00ednimo cada mes, el hogar medio paga casi 1.400 millones de euros al a\u00f1o en intereses de tarjetas de cr\u00e9dito. A medida que suban los tipos de inter\u00e9s, tambi\u00e9n lo har\u00e1n los de las tarjetas de cr\u00e9dito, y los correspondientes intereses adeudados. Por cada $1.000 de su devoluci\u00f3n que se aplique a la deuda pendiente de la tarjeta de cr\u00e9dito, podr\u00eda ahorrar aproximadamente $180 al a\u00f1o de gasto en intereses. En otras palabras, pagando los saldos de tus tarjetas de cr\u00e9dito en $1.500 ahorrar\u00e1s casi lo suficiente para cubrir un a\u00f1o completo de Netflix y Amazon Prime, adem\u00e1s de dejar suficiente para un dep\u00f3sito de gasolina.<\/p>\n<\/div><\/div><\/div>
<\/span><\/div><\/div><\/div><\/div>AHORRAR PARA LA JUBILACI\u00d3N<\/h4>\n<\/div>Abra o aumente las aportaciones a un plan de ahorro con impuestos diferidos, como un plan 401(k) o una cuenta de jubilaci\u00f3n individual (IRA). Seg\u00fan la Oficina de Rendici\u00f3n de Cuentas del Gobierno, alrededor de la mitad de los hogares estadounidenses no tienen ninguna cuenta de jubilaci\u00f3n. Ni 401(k), ni IRA, ni pensi\u00f3n, nada aparte de la Seguridad Social. Casi 30% de los hogares de 55 a\u00f1os o m\u00e1s no tienen ahorros para la jubilaci\u00f3n ni pensi\u00f3n. Eso podr\u00eda explicar por qu\u00e9 casi 25% de los que trabajan piensan seguir haci\u00e9ndolo hasta los 70 a\u00f1os. Si su empresa ofrece un plan 401(k), empiece a contribuir para aprovechar cualquier aportaci\u00f3n de la empresa y utilice su devoluci\u00f3n de impuestos para compensar la peque\u00f1a disminuci\u00f3n de su n\u00f3mina cada mes. De lo contrario, cree una cuenta IRA con una parte de su devoluci\u00f3n y vaya a\u00f1adiendo dinero cada a\u00f1o. Todo ayuda, e incluso las aportaciones m\u00e1s peque\u00f1as pueden convertirse en cantidades importantes con el tiempo.<\/p>\n<\/div><\/div><\/div>
<\/div><\/div><\/div><\/div><\/div><\/span><\/div><\/div><\/div><\/div><\/div><\/div><\/div>DESTINARLO AL PAGO INICIAL<\/h4>\n<\/div>El mayor reto al que se enfrenta la mayor\u00eda de los compradores de vivienda por primera vez es conseguir el dinero suficiente para el pago inicial. Si tiene intenci\u00f3n de comprar una casa nueva en un futuro pr\u00f3ximo, destinar su devoluci\u00f3n de impuestos al pago inicial aumentar\u00e1 considerablemente sus ahorros. Un pago inicial mayor le permitir\u00e1 buscar una casa en un rango de precios m\u00e1s alto o reducir los costes de la hipoteca.<\/p>\n<\/div><\/div><\/div>
<\/div><\/div><\/div><\/div><\/div><\/span><\/div><\/div><\/div><\/div><\/div><\/div><\/div>INVERTIR EN SU VIVIENDA ACTUAL<\/h4>\n<\/div>Utilice su devoluci\u00f3n para invertir en mejoras que le compensen a largo plazo, aumentando el valor de su vivienda. Puede tratarse de peque\u00f1as mejoras rentables, como pintura nueva o iluminaci\u00f3n, o de mejoras m\u00e1s importantes, como ventanas nuevas o electrodom\u00e9sticos de bajo consumo. Las mejoras en el hogar pueden compensarle haciendo que su casa sea m\u00e1s agradable para vivir o mejorando sus posibilidades de una venta r\u00e1pida al precio m\u00e1s alto.<\/p>\n<\/div><\/div><\/div>
<\/div><\/div><\/div><\/div><\/div><\/p>","protected":false},"excerpt":{"rendered":"Esta primavera, m\u00e1s de 80% de los estadounidenses se har\u00e1n la misma pregunta: \"\u00bfDebo ahorrar mi devoluci\u00f3n de impuestos o gast\u00e1rmela?\". Seg\u00fan el Servicio de Impuestos Internos, los contribuyentes del pa\u00eds recibir\u00e1n una devoluci\u00f3n de impuestos media de casi $3.000.<\/p>","protected":false},"author":1,"featured_media":1180,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"inline_featured_image":false,"footnotes":""},"categories":[10,12],"tags":[],"class_list":["post-570","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-blog_spotlight","category-taxes"],"yoast_head":"\n
SAVE OR SPEND: FIVE WAYS TO MAKE YOUR REFUND COUNT THIS TAX SEASON - North Shore Trust and Savings<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.northshoretrust.com\/es\/2018\/12\/27\/ahorrar-o-gastar\/\" \/>\n<meta property=\"og:locale\" content=\"es_MX\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"SAVE OR SPEND: FIVE WAYS TO MAKE YOUR REFUND COUNT THIS TAX SEASON - North Shore Trust and Savings\" \/>\n<meta property=\"og:description\" content=\"This spring, over 80% of Americans will be asking the same question: \u201cShould I save my tax refund or spend it?\u201d According to the Internal Revenue Service, the nation\u2019s taxpayers will receive an average tax refund of nearly $3,000.\" \/>\n<meta property=\"og:url\" content=\"https:\/\/www.northshoretrust.com\/es\/2018\/12\/27\/ahorrar-o-gastar\/\" \/>\n<meta property=\"og:site_name\" content=\"North Shore Trust and Savings\" \/>\n<meta property=\"article:published_time\" content=\"2018-12-27T21:31:42+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2023-11-06T15:17:09+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/www.northshoretrust.com\/wp-content\/uploads\/2018\/12\/NSTS-SpendSave.png\" \/>\n\t<meta property=\"og:image:width\" content=\"453\" \/>\n\t<meta property=\"og:image:height\" content=\"275\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/png\" \/>\n<meta name=\"author\" content=\"dooley\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:label1\" content=\"Escrito por\" \/>\n\t<meta name=\"twitter:data1\" content=\"dooley\" \/>\n\t<meta name=\"twitter:label2\" content=\"Tiempo de lectura\" \/>\n\t<meta name=\"twitter:data2\" content=\"19 minutos\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\\\/\\\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\\\/\\\/www.northshoretrust.com\\\/2018\\\/12\\\/27\\\/save-or-spend\\\/#article\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/www.northshoretrust.com\\\/2018\\\/12\\\/27\\\/save-or-spend\\\/\"},\"author\":{\"name\":\"dooley\",\"@id\":\"https:\\\/\\\/www.northshoretrust.com\\\/#\\\/schema\\\/person\\\/0739578a1f950587c5be7609ee4729e4\"},\"headline\":\"SAVE OR SPEND: FIVE WAYS TO MAKE YOUR REFUND COUNT THIS TAX SEASON\",\"datePublished\":\"2018-12-27T21:31:42+00:00\",\"dateModified\":\"2023-11-06T15:17:09+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\\\/\\\/www.northshoretrust.com\\\/2018\\\/12\\\/27\\\/save-or-spend\\\/\"},\"wordCount\":3849,\"image\":{\"@id\":\"https:\\\/\\\/www.northshoretrust.com\\\/2018\\\/12\\\/27\\\/save-or-spend\\\/#primaryimage\"},\"thumbnailUrl\":\"https:\\\/\\\/www.northshoretrust.com\\\/wp-content\\\/uploads\\\/2018\\\/12\\\/NSTS-SpendSave.png\",\"articleSection\":[\"blog_spotlight\",\"Taxes\"],\"inLanguage\":\"es\"},{\"@type\":\"WebPage\",\"@id\":\"https:\\\/\\\/www.northshoretrust.com\\\/2018\\\/12\\\/27\\\/save-or-spend\\\/\",\"url\":\"https:\\\/\\\/www.northshoretrust.com\\\/2018\\\/12\\\/27\\\/save-or-spend\\\/\",\"name\":\"SAVE OR SPEND: FIVE WAYS TO MAKE YOUR REFUND COUNT THIS TAX SEASON - 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Abra o aumente las aportaciones a un plan de ahorro con impuestos diferidos, como un plan 401(k) o una cuenta de jubilaci\u00f3n individual (IRA). Seg\u00fan la Oficina de Rendici\u00f3n de Cuentas del Gobierno, alrededor de la mitad de los hogares estadounidenses no tienen ninguna cuenta de jubilaci\u00f3n. Ni 401(k), ni IRA, ni pensi\u00f3n, nada aparte de la Seguridad Social. Casi 30% de los hogares de 55 a\u00f1os o m\u00e1s no tienen ahorros para la jubilaci\u00f3n ni pensi\u00f3n. Eso podr\u00eda explicar por qu\u00e9 casi 25% de los que trabajan piensan seguir haci\u00e9ndolo hasta los 70 a\u00f1os. Si su empresa ofrece un plan 401(k), empiece a contribuir para aprovechar cualquier aportaci\u00f3n de la empresa y utilice su devoluci\u00f3n de impuestos para compensar la peque\u00f1a disminuci\u00f3n de su n\u00f3mina cada mes. De lo contrario, cree una cuenta IRA con una parte de su devoluci\u00f3n y vaya a\u00f1adiendo dinero cada a\u00f1o. Todo ayuda, e incluso las aportaciones m\u00e1s peque\u00f1as pueden convertirse en cantidades importantes con el tiempo.<\/p>\n<\/div><\/div><\/div>
<\/span><\/div><\/div><\/div><\/div>DESTINARLO AL PAGO INICIAL<\/h4>\n<\/div>El mayor reto al que se enfrenta la mayor\u00eda de los compradores de vivienda por primera vez es conseguir el dinero suficiente para el pago inicial. Si tiene intenci\u00f3n de comprar una casa nueva en un futuro pr\u00f3ximo, destinar su devoluci\u00f3n de impuestos al pago inicial aumentar\u00e1 considerablemente sus ahorros. Un pago inicial mayor le permitir\u00e1 buscar una casa en un rango de precios m\u00e1s alto o reducir los costes de la hipoteca.<\/p>\n<\/div><\/div><\/div>
<\/div><\/div><\/div><\/div><\/div><\/span><\/div><\/div><\/div><\/div><\/div><\/div><\/div>INVERTIR EN SU VIVIENDA ACTUAL<\/h4>\n<\/div>Utilice su devoluci\u00f3n para invertir en mejoras que le compensen a largo plazo, aumentando el valor de su vivienda. Puede tratarse de peque\u00f1as mejoras rentables, como pintura nueva o iluminaci\u00f3n, o de mejoras m\u00e1s importantes, como ventanas nuevas o electrodom\u00e9sticos de bajo consumo. Las mejoras en el hogar pueden compensarle haciendo que su casa sea m\u00e1s agradable para vivir o mejorando sus posibilidades de una venta r\u00e1pida al precio m\u00e1s alto.<\/p>\n<\/div><\/div><\/div>
<\/div><\/div><\/div><\/div><\/div><\/p>","protected":false},"excerpt":{"rendered":"Esta primavera, m\u00e1s de 80% de los estadounidenses se har\u00e1n la misma pregunta: \"\u00bfDebo ahorrar mi devoluci\u00f3n de impuestos o gast\u00e1rmela?\". Seg\u00fan el Servicio de Impuestos Internos, los contribuyentes del pa\u00eds recibir\u00e1n una devoluci\u00f3n de impuestos media de casi $3.000.<\/p>","protected":false},"author":1,"featured_media":1180,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"inline_featured_image":false,"footnotes":""},"categories":[10,12],"tags":[],"class_list":["post-570","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-blog_spotlight","category-taxes"],"yoast_head":"\n
SAVE OR SPEND: FIVE WAYS TO MAKE YOUR REFUND COUNT THIS TAX SEASON - North Shore Trust and Savings<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.northshoretrust.com\/es\/2018\/12\/27\/ahorrar-o-gastar\/\" \/>\n<meta property=\"og:locale\" content=\"es_MX\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"SAVE OR SPEND: FIVE WAYS TO MAKE YOUR REFUND COUNT THIS TAX SEASON - North Shore Trust and Savings\" \/>\n<meta property=\"og:description\" content=\"This spring, over 80% of Americans will be asking the same question: \u201cShould I save my tax refund or spend it?\u201d According to the Internal Revenue Service, the nation\u2019s taxpayers will receive an average tax refund of nearly $3,000.\" \/>\n<meta property=\"og:url\" content=\"https:\/\/www.northshoretrust.com\/es\/2018\/12\/27\/ahorrar-o-gastar\/\" \/>\n<meta property=\"og:site_name\" content=\"North Shore Trust and Savings\" \/>\n<meta property=\"article:published_time\" content=\"2018-12-27T21:31:42+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2023-11-06T15:17:09+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/www.northshoretrust.com\/wp-content\/uploads\/2018\/12\/NSTS-SpendSave.png\" \/>\n\t<meta property=\"og:image:width\" content=\"453\" \/>\n\t<meta property=\"og:image:height\" content=\"275\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/png\" \/>\n<meta name=\"author\" content=\"dooley\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:label1\" content=\"Escrito por\" \/>\n\t<meta name=\"twitter:data1\" content=\"dooley\" \/>\n\t<meta name=\"twitter:label2\" content=\"Tiempo de lectura\" \/>\n\t<meta name=\"twitter:data2\" content=\"19 minutos\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\\\/\\\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\\\/\\\/www.northshoretrust.com\\\/2018\\\/12\\\/27\\\/save-or-spend\\\/#article\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/www.northshoretrust.com\\\/2018\\\/12\\\/27\\\/save-or-spend\\\/\"},\"author\":{\"name\":\"dooley\",\"@id\":\"https:\\\/\\\/www.northshoretrust.com\\\/#\\\/schema\\\/person\\\/0739578a1f950587c5be7609ee4729e4\"},\"headline\":\"SAVE OR SPEND: FIVE WAYS TO MAKE YOUR REFUND COUNT THIS TAX SEASON\",\"datePublished\":\"2018-12-27T21:31:42+00:00\",\"dateModified\":\"2023-11-06T15:17:09+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\\\/\\\/www.northshoretrust.com\\\/2018\\\/12\\\/27\\\/save-or-spend\\\/\"},\"wordCount\":3849,\"image\":{\"@id\":\"https:\\\/\\\/www.northshoretrust.com\\\/2018\\\/12\\\/27\\\/save-or-spend\\\/#primaryimage\"},\"thumbnailUrl\":\"https:\\\/\\\/www.northshoretrust.com\\\/wp-content\\\/uploads\\\/2018\\\/12\\\/NSTS-SpendSave.png\",\"articleSection\":[\"blog_spotlight\",\"Taxes\"],\"inLanguage\":\"es\"},{\"@type\":\"WebPage\",\"@id\":\"https:\\\/\\\/www.northshoretrust.com\\\/2018\\\/12\\\/27\\\/save-or-spend\\\/\",\"url\":\"https:\\\/\\\/www.northshoretrust.com\\\/2018\\\/12\\\/27\\\/save-or-spend\\\/\",\"name\":\"SAVE OR SPEND: FIVE WAYS TO MAKE YOUR REFUND COUNT THIS TAX SEASON - 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El mayor reto al que se enfrenta la mayor\u00eda de los compradores de vivienda por primera vez es conseguir el dinero suficiente para el pago inicial. Si tiene intenci\u00f3n de comprar una casa nueva en un futuro pr\u00f3ximo, destinar su devoluci\u00f3n de impuestos al pago inicial aumentar\u00e1 considerablemente sus ahorros. Un pago inicial mayor le permitir\u00e1 buscar una casa en un rango de precios m\u00e1s alto o reducir los costes de la hipoteca.<\/p>\n<\/div><\/div><\/div>
<\/span><\/div><\/div><\/div><\/div>INVERTIR EN SU VIVIENDA ACTUAL<\/h4>\n<\/div>Utilice su devoluci\u00f3n para invertir en mejoras que le compensen a largo plazo, aumentando el valor de su vivienda. Puede tratarse de peque\u00f1as mejoras rentables, como pintura nueva o iluminaci\u00f3n, o de mejoras m\u00e1s importantes, como ventanas nuevas o electrodom\u00e9sticos de bajo consumo. Las mejoras en el hogar pueden compensarle haciendo que su casa sea m\u00e1s agradable para vivir o mejorando sus posibilidades de una venta r\u00e1pida al precio m\u00e1s alto.<\/p>\n<\/div><\/div><\/div>
<\/div><\/div><\/div><\/div><\/div><\/p>","protected":false},"excerpt":{"rendered":"Esta primavera, m\u00e1s de 80% de los estadounidenses se har\u00e1n la misma pregunta: \"\u00bfDebo ahorrar mi devoluci\u00f3n de impuestos o gast\u00e1rmela?\". Seg\u00fan el Servicio de Impuestos Internos, los contribuyentes del pa\u00eds recibir\u00e1n una devoluci\u00f3n de impuestos media de casi $3.000.<\/p>","protected":false},"author":1,"featured_media":1180,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"inline_featured_image":false,"footnotes":""},"categories":[10,12],"tags":[],"class_list":["post-570","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-blog_spotlight","category-taxes"],"yoast_head":"\n
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Utilice su devoluci\u00f3n para invertir en mejoras que le compensen a largo plazo, aumentando el valor de su vivienda. Puede tratarse de peque\u00f1as mejoras rentables, como pintura nueva o iluminaci\u00f3n, o de mejoras m\u00e1s importantes, como ventanas nuevas o electrodom\u00e9sticos de bajo consumo. Las mejoras en el hogar pueden compensarle haciendo que su casa sea m\u00e1s agradable para vivir o mejorando sus posibilidades de una venta r\u00e1pida al precio m\u00e1s alto.<\/p>\n<\/div><\/div><\/div>
Esta primavera, m\u00e1s de 80% de los estadounidenses se har\u00e1n la misma pregunta: \"\u00bfDebo ahorrar mi devoluci\u00f3n de impuestos o gast\u00e1rmela?\". Seg\u00fan el Servicio de Impuestos Internos, los contribuyentes del pa\u00eds recibir\u00e1n una devoluci\u00f3n de impuestos media de casi $3.000.<\/p>","protected":false},"author":1,"featured_media":1180,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"inline_featured_image":false,"footnotes":""},"categories":[10,12],"tags":[],"class_list":["post-570","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-blog_spotlight","category-taxes"],"yoast_head":"\n