Estrategia de ahorro: Ahorrar para lo inesperado

(3 Minutes Read) – This article is part of our America Saves Week celebration.

How often have you heard that saving for life’s unexpected events is a necessary part of being financially prepared? Most likely A LOT! Experts agree that a good savings strategy is to have three to six months of expenses in your emergency savings account.    

If you’re not there yet, don’t let that shake your confidence! Feeling unsure about what to do next can make it even harder to get or stay motivated to save for those unexpected events or opportunities that arise.  

Strategies to Boost Your Ahorro 

Instead of focusing on what you haven’t accomplished, here are a few saving strategies to consider to build your financial confidence and start your path to saving for the unexpected.

  • Set a goal of saving for the unexcepted. Start with $500 for emergencies and once you reach this amount, set a new goal for another $500 and keep going. Reaching several smaller goals feels good and when we feel good, we’re more likely to remain committed to our plan.  
  • If you’re not sure exactly how much you can realistically save each month, try using the America Saves Spending and Saving Tool to get a clear view of your finances. Once you know exactly what your income and expenses are, you will be able to set a realistic timeframe for saving that first $500 or beyond.  
  • Consistency can help build confidence. Saving automatically every time you get paid is the easiest way to be a consistent saver and consistency builds confidence. You can set up split deposit saving with your employer or your financial institution so that a portion of every paycheck goes directly into a dedicated savings account. When you are saving $10, $20 or some other amount every paycheck you will see regular progress, building your confidence along the way.  
        • Instead of only focusing on the negative reasons for having an emergency savings account and saving for the unexpected, think of it as saving for opportunities. Framing the reason you are saving in a more positive light may help you feel better about setting money aside. Not only are you saving to pay for car repairs, home expenses, or medical bills; you may also be saving for an unplanned dinner out to celebrate a friend’s birthday or the chance to go see your favorite artist in concert. Those positive feelings can be motivating.  
        • Use the three to six months of expenses in a savings account as a guideline. Try not to become discouraged if you haven’t reached this goal. Instead, focus on what makes the most sense for you at this time, knowing that as your income grows and/or expenses decrease, your ability to save more will change. 

        More Savings Strategies 

        America Saves is here to help you get started on any of these strategies. Check out the 6 Steps to Establishing a Spending and Savings plan, take the Compromiso "America Saves, or listen to our Think Like A Saver podcast. We’re with you every step of the way on your savings journey.

        ¿Qué es la Semana del Ahorro en Estados Unidos?

        Desde 2007, la Semana del Ahorro en Estados Unidos ha sido una celebración anual, así como una llamada a la acción para que los estadounidenses de a pie se comprometan a ahorrar con éxito. Gracias al apoyo de miles de organizaciones participantes, juntos animamos a las personas a hacer un chequeo financiero que les permita tener una visión clara de sus finanzas, establecer objetivos de ahorro y crear un plan para alcanzarlos.

        ¿Te vas tan pronto?

        Al hacer clic en este enlace, abandonará Unitus Community Credit Union para visitar uno de nuestros socios de confianza. Si esto se hizo por error, por favor haga clic en cancelar. De lo contrario, ¡vuelve a visitarnos cuando quieras!