{"id":9281,"date":"2024-12-22T08:00:00","date_gmt":"2024-12-22T13:00:00","guid":{"rendered":"https:\/\/www.bmicos.com\/ecuador\/?p=9281"},"modified":"2025-03-24T16:24:41","modified_gmt":"2025-03-24T21:24:41","slug":"como-disfrutar-de-las-fiestas-sin-salirte-de-tu-presupuesto","status":"publish","type":"post","link":"https:\/\/www.bmicos.com\/ecuador\/en\/blog\/como-disfrutar-de-las-fiestas-sin-salirte-de-tu-presupuesto\/","title":{"rendered":"How to enjoy the holidays without breaking your budget?\u00a0"},"content":{"rendered":"

The holidays can be celebrated without breaking the budget, as long as you plan ahead. Here are some practical tips to help you get organized, save, and enjoy the holidays without going overboard. <\/p>\n\n\n\n

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\"\"<\/figure>\n<\/figure>\n\n\n\n
    \n
  1. Planning<\/strong> <\/li>\n<\/ol>\n\n\n\n

    Planning is important to avoid unnecessary expenses. Banco Santander suggests the following to avoid this mistake: <\/p>\n\n\n\n

      \n
    1. Make a budget:<\/strong> You should consider the limit amount of money you will allocate for expenses during the holidays. You can divide expenses into categories (gifts, dinners, decoration), to be clear about how much to allocate to each expense. <\/li>\n<\/ol>\n\n\n\n
        \n
      1. Research prices: <\/strong>Before purchasing products, you can compare them in different stores and identify promotional dates. <\/li>\n<\/ol>\n\n\n\n
          \n
        1. Avoid leaving shopping until the last minute: <\/strong>Around Christmas time, prices may rise for seasonal products because they are in greater demand. <\/li>\n<\/ol>\n\n\n\n
            \n
          1. Review payment method:<\/strong> Having a budget should help you avoid using credit cards to defer interest, which can then go beyond what you planned. On the other hand, this season there may be benefits for buying with certain credit cards or paying in cash. It is suggested that you review them to take advantage of them. <\/li>\n<\/ol>\n\n\n\n
              \n
            1. How to save during this season?<\/strong> <\/li>\n<\/ol>\n\n\n\n
                \n
              1. Consider saving energy:<\/strong> Depending on the weather, this is a time of high energy consumption. You can choose to unplug unused devices and prefer energy-saving lights. <\/li>\n<\/ol>\n\n\n\n
                  \n
                1. Prioritize cash purchases: <\/strong>Geek Newspaper explains that by using cash you can check how far your budget goes. A good question to ask if you can buy something is: can I pay for it twice? If the answer is no, it is best not to make the purchase. <\/li>\n<\/ol>\n\n\n\n
                    \n
                  1. Save on decoration: <\/strong>The weather reports that <\/strong>You can save money by recycling last year's decorations and consider quality decorations that will last for several years. This alternative also protects the environment, because it avoids consumerism. <\/li>\n<\/ol>\n\n\n\n
                      \n
                    1. How to manage extra money?<\/strong> <\/li>\n<\/ol>\n\n\n\n

                      In our country, the law establishes the payment of the thirteenth salary, an additional income that can be optimized to the maximum. The Quito Chamber of Commerce recommends prioritizing the payment of debts and creating an emergency fund. On the other hand, the Geek newspaper suggests placing the amount in a policy to generate interest or it can also be invested. <\/p>\n\n\n\n

                      \n
                      \"\"<\/figure>\n<\/figure>\n\n\n\n

                      In short, the holidays don't have to mean an imbalance in your finances. With proper planning and money management strategies, it's possible to enjoy this season without overspending. By setting a budget, taking advantage of sales, and making conscious financial decisions, you can experience these celebrations with peace of mind, focusing on what's most important: sharing special moments with loved ones. Every little effort in organization contributes to starting the new year with financial stability. <\/p>","protected":false},"excerpt":{"rendered":"

                      Las fiestas de fin de a\u00f1o pueden celebrarse sin desequilibrar el presupuesto, siempre que se cuente con una planificaci\u00f3n adecuada. A continuaci\u00f3n, se presentan consejos pr\u00e1cticos para organizarse, ahorrar y disfrutar de estas fechas sin excederse.  La planificaci\u00f3n es importante para evitar gastos innecesarios. Banco Santander sugiere lo siguiente para evitar este error:  En nuestro […]<\/p>\n","protected":false},"author":36,"featured_media":9284,"comment_status":"open","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"content-type":"","footnotes":""},"categories":[547,1],"tags":[],"class_list":["post-9281","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-finanzas","category-bmiblog"],"acf":[],"yoast_head":"\n\u00bfC\u00f3mo disfrutar de las fiestas sin salirte de tu presupuesto?\u00a0 - BMI Ecuador<\/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.bmicos.com\/ecuador\/en\/blog\/como-disfrutar-de-las-fiestas-sin-salirte-de-tu-presupuesto\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"\u00bfC\u00f3mo disfrutar de las fiestas sin salirte de tu presupuesto?\u00a0\" \/>\n<meta property=\"og:description\" content=\"Las fiestas de fin de a\u00f1o pueden celebrarse sin desequilibrar el presupuesto, siempre que se cuente con una planificaci\u00f3n adecuada. 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