{"id":3965,"date":"2024-08-02T16:45:20","date_gmt":"2024-08-02T23:45:20","guid":{"rendered":"https:\/\/www.pcfcu.org\/blog\/financial-fitness-tips-to-trim-your-back-to-school-spend\/"},"modified":"2025-07-03T18:32:37","modified_gmt":"2025-07-04T01:32:37","slug":"consejos-de-aptitud-financiera-para-recortar-el-gasto-de-regreso-a-clases","status":"publish","type":"post","link":"https:\/\/www.pcfcu.org\/es\/blog\/consejos-de-aptitud-financiera-para-recortar-el-gasto-de-regreso-a-clases\/","title":{"rendered":"Aptitud financiera: Consejos para reducir los gastos de regreso a clases"},"content":{"rendered":"<p><p style=\"text-align: left;\">Si has postergado las compras de regreso a clases de tu hijo porque la inflaci\u00f3n ha hecho que la tarea parezca tan divertida como ir al dentista, puede que tengas suerte. Esperar hasta despu\u00e9s de las rebajas de verano puede ayudarte a ahorrar. A continuaci\u00f3n, descubrir\u00e1s por qu\u00e9 y recibir\u00e1s consejos adicionales para que tu experiencia de compras sea tan alegre como el d\u00eda de la graduaci\u00f3n.<\/p>\n<p style=\"text-align: left;\"><strong>\u00a1Hurra por el retraso!<\/strong><br \/>\nEs probable que la lista de la escuela de tu hijo incluya art\u00edculos que no necesitar\u00e1s de inmediato, o que no los necesites en absoluto. Pregunta a los profesores qu\u00e9 art\u00edculos puedes dejar en segundo plano hasta que bajen los precios. Los precios de los aparatos electr\u00f3nicos, en particular, suelen bajar considerablemente despu\u00e9s del D\u00eda del Trabajo. El precio de la ropa suele bajar en oto\u00f1o. Esperar tambi\u00e9n tiene la ventaja de distribuir la carga financiera total de la vuelta al cole en unos pocos meses.<\/p>\n<p style=\"text-align: left;\"><strong>B\u00fasqueda del tesoro en casa<\/strong><br \/>\nSi eres como todos los que alguna vez han ido de compras, seguro que has comprado algo y luego te has dado cuenta de que ya lo ten\u00edas en casa. As\u00ed que, antes de empezar a gastar, revisa primero tus \u00e1reas de almacenamiento. Esta generaci\u00f3n de ni\u00f1os suele adoptar la reducci\u00f3n, la reutilizaci\u00f3n y el reciclaje, as\u00ed que inv\u00edtalos tambi\u00e9n a buscar.<\/p>\n<p style=\"text-align: left;\"><strong>En l\u00ednea y por debajo del presupuesto<\/strong><br \/>\nSi eres h\u00e1bil en el uso de herramientas en l\u00ednea para alcanzar tus objetivos, ahorrar en grande en la lista de regreso a clases podr\u00eda estar a solo unos clics de distancia.<\/p>\n<ul style=\"text-align: left;\">\n<li>Suscr\u00edbete a la lista de correo electr\u00f3nico de tus tiendas favoritas y s\u00edguelas en las redes sociales para obtener descuentos inmediatos y cupones continuos.<\/li>\n<li>Para art\u00edculos de alto precio, utilice un sitio de seguimiento de precios para hacer una comparaci\u00f3n de costos inicial y monitorear cualquier cambio en el precio despu\u00e9s de eso.<\/li>\n<li>Utilice extensiones de navegador que busquen cupones autom\u00e1ticamente cuando visite un minorista en l\u00ednea.<\/li>\n<li>Aproveche el bono de registro de un sitio de compras con devoluci\u00f3n de efectivo y los reembolsos posteriores.<\/li>\n<li>Para encontrar grandes ofertas en art\u00edculos usados para su hijo, visite el \u00e1rea de mercado de sus sitios de redes sociales favoritos antes de comprar art\u00edculos nuevos.<\/li>\n<\/ul>\n<p style=\"text-align: left;\"><strong>Pensando en la ropa<\/strong><br \/>\nLa ropa puede disparar el gasto total en compras escolares. Compartir el l\u00edmite de gastos con tu hijo puede ser muy \u00fatil para evitar discusiones y resentimientos persistentes. Si hay algunas prendas caras que tu peque\u00f1o icono de estilo debe tener, aseg\u00farate de que comprenda el impacto que esto tendr\u00e1 en el presupuesto general para ropa. Por ejemplo, gastar en algunas prendas caras en boutiques de moda puede obligar a comprar en tiendas de segunda mano para completar el resto del guardarropa. Este enfoque disciplinado puede ayudar a mantener tus gastos por encima de la estratosfera y ense\u00f1arle a tu hijo una valiosa lecci\u00f3n sobre los recursos limitados y las decisiones financieras prudentes.<\/p>\n<p style=\"text-align: left;\"><strong>Fortalece tus n\u00fameros<\/strong><br \/>\nSi conoces a otras familias con ni\u00f1os que regresan a la escuela, considera comprar art\u00edculos al por mayor juntos y luego dividirlos para obtener un precio unitario m\u00e1s bajo. Para aprovechar al m\u00e1ximo los ahorros, organiza un intercambio con otras familias con ni\u00f1os en edad escolar. Las cosas que otros ni\u00f1os ya no quieren o no pueden usar (como la ropa) podr\u00edan ser perfectas para tu hijo. Dedicar tiempo a facilitar estas iniciativas podr\u00eda generar ingresos adicionales.<\/p>\n<p style=\"text-align: left;\"><strong>No mires una tarjeta de regalo en la boca<\/strong><br \/>\nEs f\u00e1cil olvidarse de esa tarjeta de regalo que te dio la t\u00eda Mar\u00eda para esa tienda enorme. Es especialmente f\u00e1cil olvidar la del t\u00edo Jerome para esa tienda de la que ni siquiera hab\u00edas o\u00eddo hablar. Ambas pueden ayudarte a escapar de la depresi\u00f3n de las compras escolares. Re\u00fane todas tus tarjetas de regalo sin usar y determina cu\u00e1les se pueden usar para art\u00edculos escolares y cu\u00e1les no. Para las que no se pueden usar para necesidades educativas, considera canjearlas por dinero en efectivo en cualquier sitio web que compre tarjetas de regalo sin usar. Destinar ese dinero a los art\u00edculos imprescindibles de tu hijo puede marcar una gran diferencia.<\/p>\n<p style=\"text-align: left;\"><strong>No abandonado a su suerte<\/strong><br \/>\nMucha gente te recomendar\u00e1 buscar tecnolog\u00eda reacondicionada para tu hijo para ahorrar much\u00edsimo. Es un buen consejo, pero quiz\u00e1s encuentres dispositivos igual de buenos gratis. Si tu familia tiene un grupo de mensajes o un lugar de reuni\u00f3n habitual en redes sociales, difunde la informaci\u00f3n sobre esa laptop o tel\u00e9fono que necesita el joven estudiante. Quiz\u00e1s encuentres dispositivos sin usar por ah\u00ed. Aseg\u00farate de que tu consulta llegue a ese familiar que se actualiza constantemente con la tecnolog\u00eda m\u00e1s reciente. Ya sabes.<\/p>\n<p style=\"text-align: left;\"><strong>Una experiencia gratificante<\/strong><br \/>\n\u00bfAlguna vez has ido a pagar en una farmacia u otra tienda y te han preguntado si quieres usar tus recompensas para la compra? Revisa las tarjetas de tu programa de fidelizaci\u00f3n y considera cu\u00e1l podr\u00eda ayudarte a completar algunos art\u00edculos de la lista de tu estudiante.<\/p>\n<p style=\"text-align: left;\">Con un gasto familiar promedio de $$864 en la vuelta al cole en 2022, hay mucho margen para ahorrar. Si compras seg\u00fan tu horario y te tomas el tiempo de considerar todas las opciones, puedes aprovechar al m\u00e1ximo y ahorrar.<\/p>\n<figure id=\"attachment_4331\" aria-describedby=\"caption-attachment-4331\" style=\"width: 150px\" class=\"wp-caption aligncenter\"><img loading=\"lazy\" decoding=\"async\" class=\"wp-image-4331 size-thumbnail\" src=\"https:\/\/www.pcfcu.org\/wp-content\/uploads\/Darrell-McVea-WEB-150x150.jpg\" alt=\"Darrell McVea, Educador Financiero Comunitario\" width=\"150\" height=\"150\" \/><figcaption id=\"caption-attachment-4331\" class=\"wp-caption-text\">Darrell McVea<br \/>Educador financiero comunitario<br \/>800.426.1601 x3184<br \/><a href=\"mailto:dmcvea@pcfcu.org\">dmcvea@pcfcu.org<\/a><br \/><a href=\"http:\/\/pcfcu.balancepro.org\" target=\"_blank\" rel=\"noopener\">pcfcu.balancepro.org<\/a><\/figcaption><\/figure>","protected":false},"excerpt":{"rendered":"<p>Si ha postergado las compras para la vuelta al cole de su hijo porque la inflaci\u00f3n ha hecho que la tarea parezca tan divertida como... <a href=\"https:\/\/www.pcfcu.org\/es\/blog\/consejos-de-aptitud-financiera-para-recortar-el-gasto-de-regreso-a-clases\/\">Leer m\u00e1s<\/a><\/p>","protected":false},"author":10,"featured_media":3966,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[23],"class_list":["post-3965","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-financial-fitness"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.2 - 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