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| author | lordwinty |
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| permlink | calculate-your-budget-calcula-tu-presupuesto-en-es |
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| title | "Calculate your budget / Calcula tu presupuesto [EN] [ES[" |
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| body | "
If you are looking for a way to save money either to invest it or to have a safety cushion, you need to calculate your budget, where you expose all the monthly expenses you have.
>*Si estás buscando la manera de ahorrar dinero ya sea para invertirlo o para tener un colchón de seguridad, necesitas calcular tu presupuesto, donde expones todos los gastos mensuales que tienes.*
---
It is important to make a budget in order to save money and know where you can save it. When it comes to saving, it's not about how much you earn but how much you spend. Depending on the circumstances of your current situation, how much of what you earn can be set aside. The best way to find out the amount is by taking out your budget.
>*Es importante hacer un presupuesto para poder ahorrar dinero y saber dónde puedes ahorrarlo. A la hora de ahorrar no se trata de cuánto ganas sino de cuánto gastas. Dependiendo la circunstancia de tu situación actual, cuánto porcentaje de lo que ganas puedes apartar. La mejor manera para averiguar la cantidad es sacando tu presupuesto.*
---
You need to take out your monthly expenses, so that you have a more exact calculation, you should do it for a few months and take out an average of those months. This is recommended because in 1 month you don't have any surprises in store or any expenses that are recurrent but not monthly, such as car service or a dental appointment. These are expenses that you don't see every month, but they do make a big difference in your budget, so I recommend that you calculate your budget with the average of at least the last three or four months, ideally the entire year.
>*Necesitas sacar tu gasto mensual, para que tengas un cálculo más exacto, debes hacerlo por unos cuantos meses y sacar un promedio de esos meses. Esto es recomendado porque en 1 mes no tienes contemplado ninguna sorpresa o algún gasto que sea recurrente pero no mensual, como por ejemplo el servicio de tu automóvil o una cita con el dentista. Son gastos que no ves todos los meses, pero si hacen una gran diferencia en tu presupuesto, por lo que yo recomiendo que calcules tu presupuesto con el promedio de al menos los últimos tres o cuatro meses, lo ideal sería el año completo.*
---
So when you start calculating your monthly spending, don't get discouraged because one month is noticeably different than the other, you should first look at these expenses that made a noticeable change in it.
>*Por lo tanto cuando empieces a calcular tu gasto mensual, no te desmotives porque un mes sea notablemente más diferente que el otro, primero debes ver estos gastos que hicieron un cambio notable en el.*
---
This will help you to have control over your expenses more thoroughly, so that you can decrease or eliminate those that you see as unnecessary. For example, if you spend on a coffee every day on your way to work, you can save an amount by taking it home with you.
>*Esto te ayudará a tener un control sobre tus gastos más a fondo, para que puedas disminuir o eliminar aquellos que vez innecesarios. Por ejemplo, si gastas en un café todos los días camino al trabajo, puedes ahorrarte una cantidad llevándolo preparado ya desde tu casa.*
---
There are applications for the cell phone where you can make this calculation much easier, there are even some that separate you by categories directly from your bank account.
>*Existen aplicaciones para el celular donde te hará mucho más fácil todo este cálculo, incluso hay unas que te separan por categorías directamente desde tu cuenta de banco.*
---
Once you have the average of your monthly expenses, and what you spend that you can reduce, then you can calculate your monthly budget. This will help you keep track of what you are spending and not have any surprises at the end of the month.
>*Una vez tengas el promedio de tu gasto mensual, y en que gastas que puedes reducir, entonces podrás calcular tu presupuesto mensual. Esto te servirá para que lleves un control de lo que vas gastando y no llevarte sorpresas al final del mes.*
---
If you make cuts to your expenses, do it step by step, don't eliminate them all at once. If you do it gradually, you will be able to eliminate them, unlike if you eliminate them all at once, it will probably be only temporary.
>*Si haces cortes a tus gastos, hazlo paso a paso, no los elimines de golpe. Haciéndolo de una manera gradual vas a poder realmente eliminarlos, al contrario de que si los eliminas de golpe, es muy probable que sea solo temporal.*
---
This is the way I use it and it has helped me to save and control my expenses. I hope it works for you, and let me know if you have anything to add.
>*Esta es la manera que yo uso y me ha servido para ahorrar y llevar control sobre mis gastos. Espero que les sirva, y déjenme saber si tienen algo que agregar.*" |
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| permlink | crocheting-with-jicrochet-a-dress-for-a-doll-eng-un-vestido-para-una-muneca-esp |
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| weight | 10,000 |
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| extensions | [] |
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| transaction_id | bcbacbd7a6197acb0a3c555f1c8f1ef874e0a2aa |
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| block_num | 47,129,965 |
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| transaction_num | 15 |
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| ref_block_prefix | 1,518,795,508 |
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| expiration | 2020-09-21 13:33:54 |
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| operations | | 0. | | 0. | custom_json |
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| 1. | | required_auths | [] |
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| id | sm_find_match |
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| json | "{"match_type": "Ranked", "app": "steemmonsters/0.7.48"}" |
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| extensions | [] |
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| expiration | 2020-09-21 13:42:27 |
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| expiration | 2020-09-21 14:31:32 |
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| operations | | 0. | | 0. | custom_json |
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| 1. | | required_auths | |
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| id | cbm__daily_quests__start |
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| json | "{"name":"daily quests","action":"start","payload":{"identifier":{"name":"Neutral Brewing Water"},"user":"@amit.badebaba","energy_cost":{"quantity":1},"time_cost":{"quantity":60.0,"unit":"min"},"cost":{"quantity":0.0,"currency":"CBM"},"timestamp":1600684577190}}" |
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| 19. | | ref_block_num | 9,563 |
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| json | {"match_type":"Ranked","app":"steemmonsters/0.7.43"} |
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| extensions | [] |
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| 22. | | ref_block_num | 9,564 |
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| expiration | 2020-09-21 13:42:30 |
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| operations | | 0. | | 0. | custom_json |
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