{"id":9583,"date":"2022-02-03T17:25:19","date_gmt":"2022-02-03T20:25:19","guid":{"rendered":"https:\/\/eseg.edu.br\/blog\/dicas-de-financas-para-universitarios\/"},"modified":"2026-05-12T00:24:24","modified_gmt":"2026-05-12T03:24:24","slug":"consejos-financieros-para-estudiantes-universitarios","status":"publish","type":"post","link":"https:\/\/eseg.edu.br\/es\/blog\/dicas-de-financas-para-universitarios\/","title":{"rendered":"4 consejos financieros para futuros estudiantes universitarios"},"content":{"rendered":"<div data-elementor-type=\"wp-post\" data-elementor-id=\"3027\" class=\"elementor elementor-3027\" data-elementor-post-type=\"post\">\n<div class=\"elementor-element elementor-element-77bd1f76 e-flex e-con-boxed sticky-no is-skin bg-el bg-inherit bg-light nochange-no bg-no bg-no box-no e-con e-parent\" data-id=\"77bd1f76\" data-element_type=\"container\">\n<div class=\"e-con-inner\">\n<div class=\"elementor-element elementor-element-5b68eaf elementor-widget elementor-widget-heading\" data-id=\"5b68eaf\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n<div class=\"elementor-widget-container\">\n<h1 class=\"elementor-heading-title elementor-size-default\">4 consejos financieros para futuros estudiantes universitarios<\/h1>\n<\/p><\/div>\n<\/p><\/div>\n<div class=\"elementor-element elementor-element-5531aeb elementor-widget elementor-widget-text-editor\" data-id=\"5531aeb\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n<div class=\"elementor-widget-container\">\n<p>Obtener un t\u00edtulo universitario es un sue\u00f1o com\u00fan entre muchos brasile\u00f1os. Despu\u00e9s de todo, la formaci\u00f3n profesional proporciona... <strong>mejores oportunidades y salarios<\/strong>. De acuerdo a<span style=\"color: #0000ff;\"> <a style=\"color: #0000ff;\" href=\"https:\/\/exame.com\/brasil\/no-brasil-faculdade-dobra-salario-por-que-isso-e-ruim\/\" target=\"_blank\" rel=\"noreferrer noopener\" aria-label=\" (Se abre en una pesta\u00f1a nueva)\">informe<em> La educaci\u00f3n en resumen<\/em><\/a><\/span>, Seg\u00fan datos de la OCDE, los brasile\u00f1os con t\u00edtulos de educaci\u00f3n superior ganan, en promedio, 1401 TP3T m\u00e1s que aquellos que solo completaron la educaci\u00f3n secundaria.\u00a0<\/p>\n<p>Por otro lado, la falta de organizaci\u00f3n financiera puede imposibilitar la finalizaci\u00f3n de un curso de educaci\u00f3n superior. Teniendo esto en cuenta, hemos preparado una lista con... <strong>4 consejos financieros para futuros estudiantes universitarios<\/strong>. \u00a1\u00c9chale un vistazo!<\/p>\n<h2 class=\"wp-block-heading\">Organizaci\u00f3n financiera para estudiantes universitarios<\/h2>\n<p>La educaci\u00f3n financiera tiene como objetivo preparar a las personas para administrar sus ingresos a trav\u00e9s de... <strong>consumo consciente <\/strong>y de<strong> organizaci\u00f3n<\/strong> En cuanto a sus inversiones, muchas instituciones educativas ya incluyen este tema en sus planes de estudio, pero la educaci\u00f3n financiera a\u00fan enfrenta desaf\u00edos en Brasil.\u00a0<\/p>\n<p>Seg\u00fan una encuesta realizada por el Servicio de Protecci\u00f3n de Cr\u00e9dito, <span style=\"color: #0000ff;\"><a style=\"color: #0000ff;\" href=\"http:\/\/spcbrasil.org.br\/uploads\/st_imprensa\/release_educacao_financeira_v7.pdf\" target=\"_blank\" rel=\"noreferrer noopener\" aria-label=\" (Se abre en una pesta\u00f1a nueva)\">46% de los brasile\u00f1os no realizan control financiero.<\/a><\/span>. Entre quienes lo hacen, el grupo 29% utiliza la memoria para administrar sus finanzas, lo cual se considera un m\u00e9todo bastante inseguro. Este comportamiento termina repercutiendo en el endeudamiento de la poblaci\u00f3n.\u00a0\u00a0<\/p>\n<p>La organizaci\u00f3n es fundamental para mantener una buena salud financiera en cualquier etapa de la vida, especialmente durante la universidad. Al fin y al cabo, nadie quiere empezar... <span style=\"color: #0000ff;\"><a style=\"color: #0000ff;\" href=\"https:\/\/blog.eseg.edu.br\/qual-profissao-escolher\/\" target=\"_blank\" rel=\"noreferrer noopener\" aria-label=\" (Se abre en una pesta\u00f1a nueva)\">vida profesional<\/a> <\/span>\u00bfTienes problemas con las deudas? \u00a1Consulta nuestros consejos!<\/p>\n<h3 class=\"wp-block-heading\">1. Organiza tu presupuesto.\u00a0\u00a0<\/h3>\n<p>El primer paso para mantener el control de tus finanzas durante la universidad es crear una hoja de c\u00e1lculo con toda la informaci\u00f3n de tus ingresos y gastos. Incluye tus ingresos, gastos fijos y gastos variables. Con esta informaci\u00f3n, podr\u00e1s hacer proyecciones para los pr\u00f3ximos meses y prepararte para alcanzar tus metas.\u00a0\u00a0<\/p>\n<h3 class=\"wp-block-heading\">2. Elabora un plan.\u00a0<\/h3>\n<p>El segundo paso es reflexionar sobre tus prioridades, creando un plan con <span style=\"color: #0000ff;\"><a style=\"color: #0000ff;\" href=\"https:\/\/blog.eseg.edu.br\/como-tracar-metas\/\" target=\"_blank\" rel=\"noreferrer noopener\" aria-label=\" (Se abre en una pesta\u00f1a nueva)\">objetivos realistas<\/a><\/span> A corto, mediano y largo plazo. Es importante destacar que estos objetivos deben ser espec\u00edficos. Por ejemplo, en lugar de escribir &quot;ahorrar dinero&quot;, escriba &quot;ahorrar 2000,00 R$ para fin de a\u00f1o para realizar un curso corto&quot;.\u00a0<\/p>\n<h3 class=\"wp-block-heading\">3. Crear una reserva financiera.<\/h3>\n<p>Sabemos que pueden ocurrir imprevistos, \u00bfverdad? Por eso es tan importante crear una reserva financiera para ellos. <strong>para cubrir gastos imprevistos<\/strong>. Seg\u00fan los expertos, lo ideal es mantener ahorros equivalentes a tres meses de gastos. Ahorrar esta cantidad puede ser tu primer objetivo para lograr una buena organizaci\u00f3n financiera.\u00a0\u00a0<\/p>\n<h3 class=\"wp-block-heading\">4. Recorta los gastos innecesarios.\u00a0<\/h3>\n<p>Uno de los mayores errores que cometen las personas al intentar organizar sus finanzas es no considerar <strong>peque\u00f1os gastos innecesarios<\/strong>, como los caf\u00e9s, las suscripciones a <em>corrientes<\/em>, fiestas y compras en l\u00ednea.\u00a0<\/p>\n<p>Al plasmar todos estos datos en papel, se pueden obtener cifras elevadas. Por lo tanto, prioriza tus objetivos y consume de forma consciente, evitando el desperdicio.\u00a0\u00a0\u00a0\u00a0\u00a0<\/p>\n<h3 class=\"wp-block-heading\">5. Busca maneras de aumentar tus ingresos.<\/h3>\n<p>Existen maneras creativas de aumentar tus ingresos y hacer que tu presupuesto mensual sea un poco m\u00e1s c\u00f3modo. Un buen consejo es...<span style=\"color: #0000ff;\"> <a style=\"color: #0000ff;\" href=\"https:\/\/blog.eseg.edu.br\/conseguir-um-estagio\/\" target=\"_blank\" rel=\"noreferrer noopener\" aria-label=\" (Se abre en una pesta\u00f1a nueva)\">buscar una pasant\u00eda remunerada<\/a><\/span>. Tambi\u00e9n es posible emprender un negocio mientras est\u00e1s en la universidad, ofreciendo clases de ingl\u00e9s, vendiendo libros y materiales que ya no uses, o incluso creando productos artesanales.\u00a0\u00a0<\/p>\n<p>\u00bfTe gustaron nuestros consejos financieros para estudiantes universitarios? Entonces aprovecha y descarga nuestra gu\u00eda gratuita con... <span style=\"color: #0000ff;\"><a style=\"color: #0000ff;\" href=\"https:\/\/carreira.eseg.edu.br\/e-book-dicas-de-financas-pessoais\" target=\"_blank\" rel=\"noreferrer noopener\" aria-label=\" (Se abre en una pesta\u00f1a nueva)\">10 pasos para organizar tus finanzas personales<\/a><\/span>.<\/p>\n<p><a href=\"https:\/\/lp.eseg.edu.br\/vestibular\"><strong>\u00a1Estudia en ESEG! Descubre c\u00f3mo participar en nuestro proceso de selecci\u00f3n con becas y otras opciones de admisi\u00f3n.<\/strong><\/a><\/p>\n<\/p><\/div>\n<\/p><\/div>\n<\/p><\/div>\n<\/p><\/div>\n<div class=\"elementor-element elementor-element-36be809 e-flex e-con-boxed sticky-no is-skin bg-el bg-inherit bg-light nochange-no bg-no bg-no box-no e-con e-parent\" data-id=\"36be809\" data-element_type=\"container\">\n<div class=\"e-con-inner\">\n<div class=\"elementor-element elementor-element-6176 elementor-widget elementor-widget-global elementor-global-6176 elementor-widget-text-editor\" data-id=\"6176\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n<div class=\"elementor-widget-container\">\n<h5><b>Sigue a ESEG College, que forma parte del Grupo Etapa, en las redes sociales:\u00a0<\/b><\/h5>\n<\/p><\/div>\n<\/p><\/div>\n<div class=\"elementor-element elementor-element-6173 elementor-shape-circle elementor-grid-0 e-grid-align-center elementor-widget 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comum entre muitos brasileiros. Afinal, a capacita\u00e7\u00e3o profissional proporciona melhores oportunidades e sal\u00e1rios. De acordo com o relat\u00f3rio Education at a Glance, da OCDE, os brasileiros formados no Ensino Superior ganham, em m\u00e9dia, 140% mais do que aqueles que cursaram apenas o Ensino M\u00e9dio.\u00a0 Por outro lado, a falta de organiza\u00e7\u00e3o financeira pode inviabilizar a conclus\u00e3o do curso superior. Pensando nisso, preparamos uma lista com 4 dicas de finan\u00e7as para futuros universit\u00e1rios. Confira! Organiza\u00e7\u00e3o financeira para universit\u00e1rios A educa\u00e7\u00e3o financeira visa preparar o indiv\u00edduo para administrar seus rendimentos, por meio do consumo consciente e da organiza\u00e7\u00e3o dos seus investimentos. Muitas institui\u00e7\u00f5es de ensino j\u00e1 incluem esse tema em seus curr\u00edculos, mas a educa\u00e7\u00e3o financeira ainda enfrenta desafios no Brasil.\u00a0 De acordo com uma pesquisa realizada pelo Servi\u00e7o de Prote\u00e7\u00e3o ao Cr\u00e9dito, 46% dos brasileiros n\u00e3o fazem controle financeiro. Dentre os que fazem, 29% utilizam a mem\u00f3ria para gerir suas finan\u00e7as, o que \u00e9 considerado um m\u00e9todo bastante inseguro. Esse comportamento acaba refletindo no endividamento da popula\u00e7\u00e3o.\u00a0\u00a0 A organiza\u00e7\u00e3o \u00e9 fundamental para manter a sa\u00fade financeira em qualquer fase da vida, principalmente durante a faculdade. Afinal, &hellip;<\/p>","protected":false},"author":4,"featured_media":9582,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[52],"tags":[],"class_list":["post-9583","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-dicas"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v28.6 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>4 dicas de finan\u00e7as para futuros universit\u00e1rios<\/title>\n<meta name=\"description\" content=\"4 dicas de finan\u00e7as para futuros universit\u00e1rios | Faculdade ESEG\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/eseg.edu.br\/es\/blog\/consejos-financieros-para-estudiantes-universitarios\/\" \/>\n<meta property=\"og:locale\" content=\"es_ES\" \/>\n<meta property=\"og:type\" 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