Por lo tanto, gastaste demasiado
Crear hábitos saludables para reducir las deudas de las tarjetas de crédito
Por Luis Ortiz - Banco de Oklahoma
La mayoría de los estadounidenses viven al día y muchos recurrieron a las tarjetas de crédito para satisfacer las necesidades de gasto diario mientras la inflación sigue siendo alta. A finales de 2023, la deuda media de las tarjetas de crédito era un 10% superior a la del año anterior, una media de 6.360 dólares por prestatario, un máximo histórico.
Si te has comprometido a deshacerte de la deuda de tu tarjeta de crédito, prioriza el pago de las tarjetas de crédito lo antes posible, comenzando con aquellas con la tasa porcentual anual (APR) más alta. Para atacar realmente tu deuda, también tendrás que controlar los comportamientos que te metieron en problemas en primer lugar.
Los consejos para crear hábitos de reducción de deudas incluyen:
• Ajusta tu presupuesto. Con suerte, solo está usando tarjetas de crédito para superar un tramo temporal. Pero si hay algunos cambios fundamentales en su situación, y la acumulación de deudas será continua, necesita reducir sus gastos.
• Oculta tu tarjeta de crédito. Puedes ir tan lejos como cortar las tarjetas para que no puedas usarlas.
• Use solo dinero en efectivo. Retira una cantidad predeterminada de efectivo para limitar tus gastos.
• Desvincule las tarjetas de crédito de las cuentas en línea. A veces, el simple hecho de levantarse para agarrar su billetera puede ser suficiente para evitar que realice una compra impulsiva.
• Automatiza tus pagos. Esto asegurará que no acumule accidentalmente cargos adicionales por pago atrasado e intereses adicionales sobre los saldos transferidos.
• Considere la posibilidad de generar ingresos adicionales. Esto puede incluir la venta de artículos para el hogar, pedir un aumento de sueldo o conseguir un trabajo secundario. Si anticipa recibir un reembolso de impuestos o un bono esta primavera, considere aplicar esos fondos para reducir su deuda.
ENGLISH:
So, you spent too much
Create healthy habits to reduce credit card debt
By Luis Ortiz - Bank of Oklahoma
The majority of Americans are living paycheck to paycheck and many turned to credit cards to meet day-to-day spending needs while inflation remains high. At the end of 2023, the average credit card debt was 10% higher than the year before, an average of $6,360 per borrower—an all-time high.
If you’ve made a commitment to get rid of your credit card debt prioritize paying off credit cards as soon as possible, starting with those with the highest annual percentage rate (APR).To really attack your debt, you’ll also have manage the behaviors that got you into trouble in the first place.
Tips for creating debt-reducing habits include:
• Adjust your budget. Hopefully, you're only using credit cards to get through a temporary stretch. But if there are some fundamental changes to your situation, and accruing debt will be ongoing, you need to lower your expenses.
• Hide your credit card. You can go as far as cutting up the cards so you can't use them.
• Use cash only. Withdraw a predetermined amount of cash to constrain your spending.
• Unlink credit cards from online accounts. Sometimes, the simple act of getting up to grab your wallet can be enough to keep you from making an impulse purchase.
• Automate your payments. This will ensure you don't accidentally accrue additional late fees and additional interest on balances carried over.
• Consider bringing in additional income. This can include selling household items, asking for a raise or picking up a side hustle. If you anticipate getting a tax refund or a bonus this spring, consider applying those funds to reduce your debt.
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