{"id":325,"date":"2018-04-10T22:49:21","date_gmt":"2018-04-11T04:49:21","guid":{"rendered":"https:\/\/www.cnbs.gob.hn\/educacionfinanciera\/?page_id=325"},"modified":"2025-05-14T15:21:23","modified_gmt":"2025-05-14T21:21:23","slug":"el-ahorro","status":"publish","type":"page","link":"https:\/\/www.cnbs.gob.hn\/educacionfinanciera\/el-ahorro\/","title":{"rendered":"El Ahorro"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-post\" data-elementor-id=\"325\" class=\"elementor elementor-325\" data-elementor-post-type=\"page\">\n\t\t\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-7fc0922 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"7fc0922\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-top-column elementor-element elementor-element-9282d8c\" data-id=\"9282d8c\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-680afb2 elementor-widget elementor-widget-text-editor\" data-id=\"680afb2\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p class=\"just\"> <i class=\"fa fa-thumb-tack\" style=\"font-size: 25px; color: orange;\"><\/i>  Puede definir al ahorro, como el ingreso que dispone en un per\u00edodo de menos los gastos que ha debido realizar en ese mismo per\u00edodo. Ese excedente es el ahorro.<\/p>\n<p class=\"just\">A la actividad que las personas realizan cuando separan de sus ingresos una parte para guardarla se le denomina \u201cahorrar\u201d.<\/p>\n<p class=\"just\">Cuando las personas ahorran, es importante que lo realicen con fines u objetivos claros, por ejemplo:<\/p>\n\n<ul class=\"listoption1\" style=\"list-style-type: square;\">\n \t<li>Para situaciones imprevistas futuras.<\/li>\n \t<li>Para adquirir un bien.<\/li>\n \t<li>Para la educaci\u00f3n de los hijos.<\/li>\n \t<li>Para tener un fondo de retiro para la vejez.<\/li>\n<\/ul>\n<p class=\"just\">El ahorro es importante en la vida de las personas pues les brinda seguridad financiera a la hora de requerir del dinero para cumplir con los objetivos propuestos.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-top-column elementor-element elementor-element-fd4583d\" data-id=\"fd4583d\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-c4f69c5 elementor-widget elementor-widget-video\" data-id=\"c4f69c5\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;show_image_overlay&quot;:&quot;yes&quot;,&quot;youtube_url&quot;:&quot;https:\\\/\\\/youtu.be\\\/-PSqoeWOBJ4&quot;,&quot;image_overlay&quot;:{&quot;url&quot;:&quot;https:\\\/\\\/www.cnbs.gob.hn\\\/educacionfinanciera\\\/wp-content\\\/uploads\\\/2024\\\/05\\\/pequenos-ahorros.png&quot;,&quot;id&quot;:6533,&quot;size&quot;:&quot;&quot;,&quot;alt&quot;:&quot;&quot;,&quot;source&quot;:&quot;library&quot;},&quot;video_type&quot;:&quot;youtube&quot;,&quot;controls&quot;:&quot;yes&quot;}\" data-widget_type=\"video.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-wrapper elementor-open-inline\">\n\t\t\t<div class=\"elementor-video\"><\/div>\t\t\t\t<div class=\"elementor-custom-embed-image-overlay\" style=\"background-image: url(https:\/\/www.cnbs.gob.hn\/educacionfinanciera\/wp-content\/uploads\/2024\/05\/pequenos-ahorros.png);\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"elementor-custom-embed-play\" role=\"button\" aria-label=\"Reproducir v\u00eddeo\" tabindex=\"0\">\n\t\t\t\t\t\t\t<i aria-hidden=\"true\" class=\"eicon-play\"><\/i>\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-2fd294d elementor-widget elementor-widget-video\" data-id=\"2fd294d\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;youtube_url&quot;:&quot;https:\\\/\\\/youtu.be\\\/XGZgj9jaeS4&quot;,&quot;show_image_overlay&quot;:&quot;yes&quot;,&quot;image_overlay&quot;:{&quot;url&quot;:&quot;https:\\\/\\\/www.cnbs.gob.hn\\\/educacionfinanciera\\\/wp-content\\\/uploads\\\/2024\\\/05\\\/alcanza-tus-metas.png&quot;,&quot;id&quot;:6535,&quot;size&quot;:&quot;&quot;,&quot;alt&quot;:&quot;&quot;,&quot;source&quot;:&quot;library&quot;},&quot;video_type&quot;:&quot;youtube&quot;,&quot;controls&quot;:&quot;yes&quot;}\" data-widget_type=\"video.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-wrapper elementor-open-inline\">\n\t\t\t<div class=\"elementor-video\"><\/div>\t\t\t\t<div class=\"elementor-custom-embed-image-overlay\" style=\"background-image: url(https:\/\/www.cnbs.gob.hn\/educacionfinanciera\/wp-content\/uploads\/2024\/05\/alcanza-tus-metas.png);\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"elementor-custom-embed-play\" role=\"button\" aria-label=\"Reproducir v\u00eddeo\" tabindex=\"0\">\n\t\t\t\t\t\t\t<i aria-hidden=\"true\" class=\"eicon-play\"><\/i>\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-77f09df3 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"77f09df3\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-351bdbdd\" data-id=\"351bdbdd\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-b83ad01 elementor-tabs-view-horizontal elementor-widget elementor-widget-tabs\" data-id=\"b83ad01\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"tabs.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-tabs\">\n\t\t\t<div class=\"elementor-tabs-wrapper\" role=\"tablist\" >\n\t\t\t\t\t\t\t\t\t<div id=\"elementor-tab-title-1931\" class=\"elementor-tab-title elementor-tab-desktop-title\" aria-selected=\"true\" data-tab=\"1\" role=\"tab\" tabindex=\"0\" aria-controls=\"elementor-tab-content-1931\" aria-expanded=\"false\">La Cuenta de Ahorro<\/div>\n\t\t\t\t\t\t\t\t\t<div id=\"elementor-tab-title-1932\" class=\"elementor-tab-title elementor-tab-desktop-title\" aria-selected=\"false\" data-tab=\"2\" role=\"tab\" tabindex=\"-1\" aria-controls=\"elementor-tab-content-1932\" aria-expanded=\"false\">La cuenta de ahorro para usted<\/div>\n\t\t\t\t\t\t\t\t\t<div id=\"elementor-tab-title-1933\" class=\"elementor-tab-title elementor-tab-desktop-title\" aria-selected=\"false\" data-tab=\"3\" role=\"tab\" tabindex=\"-1\" aria-controls=\"elementor-tab-content-1933\" aria-expanded=\"false\">\u00bfSabe cu\u00e1ndo puede usted comenzar a ahorrar?<\/div>\n\t\t\t\t\t\t\t\t\t<div id=\"elementor-tab-title-1934\" class=\"elementor-tab-title elementor-tab-desktop-title\" aria-selected=\"false\" data-tab=\"4\" role=\"tab\" tabindex=\"-1\" aria-controls=\"elementor-tab-content-1934\" aria-expanded=\"false\">\u00bfTiene usted el h\u00e1bito del ahorro?<\/div>\n\t\t\t\t\t\t\t\t\t<div id=\"elementor-tab-title-1935\" class=\"elementor-tab-title elementor-tab-desktop-title\" aria-selected=\"false\" data-tab=\"5\" role=\"tab\" tabindex=\"-1\" aria-controls=\"elementor-tab-content-1935\" aria-expanded=\"false\">Educaci\u00f3n Financiera en el Aula y en el Hogar<\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t\t<div class=\"elementor-tabs-content-wrapper\" role=\"tablist\" aria-orientation=\"vertical\">\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-tab-title elementor-tab-mobile-title\" aria-selected=\"true\" data-tab=\"1\" role=\"tab\" tabindex=\"0\" aria-controls=\"elementor-tab-content-1931\" aria-expanded=\"false\">La Cuenta de Ahorro<\/div>\n\t\t\t\t\t<div id=\"elementor-tab-content-1931\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"1\" role=\"tabpanel\" aria-labelledby=\"elementor-tab-title-1931\" tabindex=\"0\" hidden=\"false\"><p class=\"just\"><span style=\"font-size: 12pt;\"> \u00bfQu\u00e9 es una cuenta de ahorro?<\/span><\/p>\n<p class=\"just\"><a href=\"http:\/\/gpuf.comision.hn\/educacionfinanciera\/wp-content\/uploads\/sites\/2\/2018\/05\/pexels-photo-862730.jpeg\"><img decoding=\"async\" class=\"alignright wp-image-1208 size-full\" src=\"https:\/\/www.cnbs.gob.hn\/educacionfinanciera\/wp-content\/uploads\/2018\/05\/pexels-photo-862730.jpeg\" alt=\"\" width=\"150\" height=\"100\" srcset=\"https:\/\/www.cnbs.gob.hn\/educacionfinanciera\/wp-content\/uploads\/2018\/05\/pexels-photo-862730.jpeg 150w, https:\/\/www.cnbs.gob.hn\/educacionfinanciera\/wp-content\/uploads\/2018\/05\/pexels-photo-862730-50x33.jpeg 50w, https:\/\/www.cnbs.gob.hn\/educacionfinanciera\/wp-content\/uploads\/2018\/05\/pexels-photo-862730-113x75.jpeg 113w\" sizes=\"(max-width:767px) 150px, 150px\" \/><\/a>La cuenta de ahorro es el producto financiero que le permite a usted poner a resguardo del banco su dinero para su cuidado.<\/p>\n<p class=\"just\">La ventaja de tener una cuenta de ahorro es que aparte de que evita que el dinero sea robado, no se deteriora y adem\u00e1s le permite a usted generar un ingreso adicional (inter\u00e9s), ya que el banco utiliza ese dinero para realizar otras actividades propias de la gesti\u00f3n bancaria, sin que usted pierda la oportunidad de utilizarlo cuando lo necesite.<\/p><\/div>\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-tab-title elementor-tab-mobile-title\" aria-selected=\"false\" data-tab=\"2\" role=\"tab\" tabindex=\"-1\" aria-controls=\"elementor-tab-content-1932\" aria-expanded=\"false\">La cuenta de ahorro para usted<\/div>\n\t\t\t\t\t<div id=\"elementor-tab-content-1932\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"2\" role=\"tabpanel\" aria-labelledby=\"elementor-tab-title-1932\" tabindex=\"0\" hidden=\"hidden\"><p class=\"just\"><a href=\"https:\/\/www.cnbs.gob.hn\/educacionfinanciera\/wp-content\/uploads\/2023\/07\/pexels-photo-1020313.jpeg\"><img decoding=\"async\" class=\"wp-image-5015 size-full alignright\" src=\"https:\/\/www.cnbs.gob.hn\/educacionfinanciera\/wp-content\/uploads\/2023\/07\/pexels-photo-1020313.jpeg\" alt=\"\" width=\"150\" height=\"100\" srcset=\"https:\/\/www.cnbs.gob.hn\/educacionfinanciera\/wp-content\/uploads\/2023\/07\/pexels-photo-1020313.jpeg 150w, https:\/\/www.cnbs.gob.hn\/educacionfinanciera\/wp-content\/uploads\/2023\/07\/pexels-photo-1020313-50x33.jpeg 50w, https:\/\/www.cnbs.gob.hn\/educacionfinanciera\/wp-content\/uploads\/2023\/07\/pexels-photo-1020313-113x75.jpeg 113w\" sizes=\"(max-width:767px) 150px, 150px\" \/><\/a>Existen varios tipos de cuentas de ahorro:<\/p><ul class=\"listoption1\"><li><span style=\"color: #ff6600;\"><strong>La cuenta de ahorro a la vista<\/strong><\/span>, le permite disponer de su dinero cuando usted lo requiera.<\/li><li><strong><span style=\"color: #ff6600;\">La cuenta de ahorro a plazo<\/span><\/strong>, es aquella en la que no puede disponer de los fondos libremente por un per\u00edodo de tiempo determinado, ya que el banco le paga m\u00e1s intereses por mantener su dinero ahorrado.<\/li><li><span style=\"color: #ff6600;\"><strong>La cuenta corriente<\/strong><\/span>, permite que usted disponga de su dinero cuando lo necesite, pero se caracteriza porque por lo general no paga intereses y permite el que usted haga uso de cheques para que otras personas puedan retirar fondos de esa cuenta. Cuando usted lo ha convenido con el banco, \u00e9sta cuenta puede permitir retiros mayores a lo que est\u00e1 depositado en ella.<\/li><li><strong><span style=\"color: #ff6600;\">El microahorro<\/span><\/strong>: Es aquella cuenta que permite su apertura y ahorro con cantidades muy peque\u00f1as de dinero. Esta cuenta est\u00e1 dirigida a personas de escasos recursos que no disponen de muchos fondos, pero que con esta cuenta son incluidos para acceder a servicios en el sistema financiero de una manera formal.<\/li><li><span style=\"color: #ff6600;\"><strong>Las remesas<\/strong><\/span>: Es un servicio financiero que permite a personas que viven fuera de Honduras a enviar dinero a otras personas que viven en el pa\u00eds, normalmente sus familiares. Constituyen un flujo muy importante para la econom\u00eda hondure\u00f1a.<\/li><\/ul><\/div>\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-tab-title elementor-tab-mobile-title\" aria-selected=\"false\" data-tab=\"3\" role=\"tab\" tabindex=\"-1\" aria-controls=\"elementor-tab-content-1933\" aria-expanded=\"false\">\u00bfSabe cu\u00e1ndo puede usted comenzar a ahorrar?<\/div>\n\t\t\t\t\t<div id=\"elementor-tab-content-1933\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"3\" role=\"tabpanel\" aria-labelledby=\"elementor-tab-title-1933\" tabindex=\"0\" hidden=\"hidden\"><p><a href=\"https:\/\/www.cnbs.gob.hn\/educacionfinanciera\/wp-content\/uploads\/2023\/07\/pexels-photo-210599.jpeg\"><img decoding=\"async\" class=\"wp-image-5016 size-full alignright\" src=\"https:\/\/www.cnbs.gob.hn\/educacionfinanciera\/wp-content\/uploads\/2023\/07\/pexels-photo-210599.jpeg\" alt=\"\" width=\"150\" height=\"98\" srcset=\"https:\/\/www.cnbs.gob.hn\/educacionfinanciera\/wp-content\/uploads\/2023\/07\/pexels-photo-210599.jpeg 150w, https:\/\/www.cnbs.gob.hn\/educacionfinanciera\/wp-content\/uploads\/2023\/07\/pexels-photo-210599-50x33.jpeg 50w, https:\/\/www.cnbs.gob.hn\/educacionfinanciera\/wp-content\/uploads\/2023\/07\/pexels-photo-210599-115x75.jpeg 115w\" sizes=\"(max-width:767px) 150px, 150px\" \/><\/a><span style=\"text-indent: 0em;\">El ahorro debe ser una prioridad en las finanzas personales de las personas. Comenzar a ahorrar puede iniciar la ni\u00f1ez como un buen h\u00e1bito, pero si usted quiere comenzar a ahorrar en la vida adulta, debe saber que si tiene obligaciones financieras que superan su capacidad financiera o dificultad para pagar sus deudas, entonces debe atender primero esas situaciones.<\/span><\/p><p class=\"just\">Los cargos por intereses moratorios o atrasados hacen m\u00e1s caras las deudas y si no son honradas, pueden hacer m\u00e1s dif\u00edcil el poder salir de la situaci\u00f3n.<\/p><p class=\"just\">Usted puede ahorrar si tiene deuda, cuando:<\/p><ul class=\"listoption1\"><li>Se mantiene d\u00eda con sus pagos de hipoteca o pr\u00e9stamo de vivienda.<\/li><li>Cuando paga su factura de tarjeta de cr\u00e9dito cada mes de contado.<\/li><li>Cuando no tiene otros pr\u00e9stamos o compromisos de cr\u00e9dito que le est\u00e1n costando m\u00e1s en intereses de lo que podr\u00eda ganar en sus ahorros.<\/li><\/ul><p class=\"just\">Si usted est\u00e1 peri\u00f3dicamente revisando su plan y verificando el avance de sus metas, entonces usted tendr\u00e1 un mejor control de sus finanzas.<\/p><\/div>\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-tab-title elementor-tab-mobile-title\" aria-selected=\"false\" data-tab=\"4\" role=\"tab\" tabindex=\"-1\" aria-controls=\"elementor-tab-content-1934\" aria-expanded=\"false\">\u00bfTiene usted el h\u00e1bito del ahorro?<\/div>\n\t\t\t\t\t<div id=\"elementor-tab-content-1934\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"4\" role=\"tabpanel\" aria-labelledby=\"elementor-tab-title-1934\" tabindex=\"0\" hidden=\"hidden\"><p class=\"just\"><a href=\"https:\/\/www.cnbs.gob.hn\/educacionfinanciera\/wp-content\/uploads\/2023\/07\/pexels-photo-929285.jpeg\"><img loading=\"lazy\" decoding=\"async\" class=\"wp-image-5017 size-full alignleft\" src=\"https:\/\/www.cnbs.gob.hn\/educacionfinanciera\/wp-content\/uploads\/2023\/07\/pexels-photo-929285.jpeg\" alt=\"\" width=\"150\" height=\"100\" srcset=\"https:\/\/www.cnbs.gob.hn\/educacionfinanciera\/wp-content\/uploads\/2023\/07\/pexels-photo-929285.jpeg 150w, https:\/\/www.cnbs.gob.hn\/educacionfinanciera\/wp-content\/uploads\/2023\/07\/pexels-photo-929285-50x33.jpeg 50w, https:\/\/www.cnbs.gob.hn\/educacionfinanciera\/wp-content\/uploads\/2023\/07\/pexels-photo-929285-113x75.jpeg 113w\" sizes=\"(max-width:767px) 150px, 150px\" \/><\/a>Si no lo tiene adqui\u00e9ralo pues el ahorro regular es muy importante. La manera m\u00e1s f\u00e1cil de ahorrar es mediante la creaci\u00f3n de un orden permanente de cu\u00e1nto va a ahorrar, de manera que pueda visualizar cu\u00e1nto tiempo le tomar\u00e1 para alcanzar su meta.<\/p><p class=\"just\">Las personas que establecen una meta de ahorro ahorran m\u00e1s r\u00e1pido.<\/p><p class=\"just\">C\u00f3mo establecer una meta de ahorro:<\/p><ul class=\"listoption1\"><li>Debe tener una cantidad objetivo en mente.<\/li><li>Calcular cu\u00e1nto debe ahorrar cada mes. Depende del precio de su objetivo, la cantidad de dinero que tiene libre al final de cada mes, y en cu\u00e1nto tiempo quiere alcanzar su meta.<\/li><li>Establecer una cultura permanente de ahorro.<\/li><\/ul><\/div>\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-tab-title elementor-tab-mobile-title\" aria-selected=\"false\" data-tab=\"5\" role=\"tab\" tabindex=\"-1\" aria-controls=\"elementor-tab-content-1935\" aria-expanded=\"false\">Educaci\u00f3n Financiera en el Aula y en el Hogar<\/div>\n\t\t\t\t\t<div id=\"elementor-tab-content-1935\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"5\" role=\"tabpanel\" aria-labelledby=\"elementor-tab-title-1935\" tabindex=\"0\" hidden=\"hidden\"><p><span style=\"text-indent: 0em;\"><a href=\"https:\/\/www.cnbs.gob.hn\/educacionfinanciera\/wp-content\/uploads\/2023\/07\/DEBEN-JOVENES-AHORRAR.jpg\"><img loading=\"lazy\" decoding=\"async\" class=\"wp-image-5019 size-full alignright\" src=\"https:\/\/www.cnbs.gob.hn\/educacionfinanciera\/wp-content\/uploads\/2023\/07\/DEBEN-JOVENES-AHORRAR.jpg\" alt=\"\" width=\"150\" height=\"225\" srcset=\"https:\/\/www.cnbs.gob.hn\/educacionfinanciera\/wp-content\/uploads\/2023\/07\/DEBEN-JOVENES-AHORRAR.jpg 150w, https:\/\/www.cnbs.gob.hn\/educacionfinanciera\/wp-content\/uploads\/2023\/07\/DEBEN-JOVENES-AHORRAR-97x146.jpg 97w, https:\/\/www.cnbs.gob.hn\/educacionfinanciera\/wp-content\/uploads\/2023\/07\/DEBEN-JOVENES-AHORRAR-33x50.jpg 33w, https:\/\/www.cnbs.gob.hn\/educacionfinanciera\/wp-content\/uploads\/2023\/07\/DEBEN-JOVENES-AHORRAR-50x75.jpg 50w\" sizes=\"(max-width:767px) 150px, 150px\" \/><\/a>La educaci\u00f3n financiera es una habilidad esencial en la vida. Es importante que sus hijos sepan acerca de c\u00f3mo administrar el dinero, para que en el futuro tomen las mejores decisiones sobre sus finanzas. Los ni\u00f1os y los j\u00f3venes aprenden haciendo. Una de las mejores maneras para que los ni\u00f1os desarrollen habilidades de manejo de dinero es abrir y administrar una cuenta de su propia mesada para ahorrar, esto les ayuda a establecer un presupuesto de ahorro y a aprender el valor del dinero.<\/span><\/p><\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-5ddf958 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"5ddf958\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-671261f\" data-id=\"671261f\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-8ac5136 elementor-widget elementor-widget-gallery\" data-id=\"8ac5136\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;columns&quot;:5,&quot;lazyload&quot;:&quot;yes&quot;,&quot;gallery_layout&quot;:&quot;grid&quot;,&quot;columns_tablet&quot;:2,&quot;columns_mobile&quot;:1,&quot;gap&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:10,&quot;sizes&quot;:[]},&quot;gap_tablet&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:10,&quot;sizes&quot;:[]},&quot;gap_mobile&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:10,&quot;sizes&quot;:[]},&quot;link_to&quot;:&quot;file&quot;,&quot;aspect_ratio&quot;:&quot;3:2&quot;,&quot;overlay_background&quot;:&quot;yes&quot;,&quot;content_hover_animation&quot;:&quot;fade-in&quot;}\" data-widget_type=\"gallery.default\">\n\t\t\t\t<div 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class=\"elementor-gallery-item__overlay\"><\/div>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t<a class=\"e-gallery-item elementor-gallery-item elementor-animated-content\" href=\"https:\/\/www.cnbs.gob.hn\/educacionfinanciera\/wp-content\/uploads\/2023\/01\/b.jpg\" data-elementor-open-lightbox=\"yes\" data-elementor-lightbox-slideshow=\"8ac5136\" data-elementor-lightbox-title=\"b\" data-e-action-hash=\"#elementor-action%3Aaction%3Dlightbox%26settings%3DeyJpZCI6NDM2MiwidXJsIjoiaHR0cHM6XC9cL3d3dy5jbmJzLmdvYi5oblwvZWR1Y2FjaW9uZmluYW5jaWVyYVwvd3AtY29udGVudFwvdXBsb2Fkc1wvMjAyM1wvMDFcL2IuanBnIiwic2xpZGVzaG93IjoiOGFjNTEzNiJ9\">\n\t\t\t\t\t<div class=\"e-gallery-image elementor-gallery-item__image\" data-thumbnail=\"https:\/\/www.cnbs.gob.hn\/educacionfinanciera\/wp-content\/uploads\/2023\/01\/b-300x300.jpg\" data-width=\"300\" data-height=\"300\" aria-label=\"\" role=\"img\" ><\/div>\n\t\t\t\t\t\t\t\t\t\t\t<div class=\"elementor-gallery-item__overlay\"><\/div>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t<a class=\"e-gallery-item elementor-gallery-item elementor-animated-content\" href=\"https:\/\/www.cnbs.gob.hn\/educacionfinanciera\/wp-content\/uploads\/2023\/01\/c1.jpg\" data-elementor-open-lightbox=\"yes\" data-elementor-lightbox-slideshow=\"8ac5136\" data-elementor-lightbox-title=\"c1\" data-e-action-hash=\"#elementor-action%3Aaction%3Dlightbox%26settings%3DeyJpZCI6NDM2MywidXJsIjoiaHR0cHM6XC9cL3d3dy5jbmJzLmdvYi5oblwvZWR1Y2FjaW9uZmluYW5jaWVyYVwvd3AtY29udGVudFwvdXBsb2Fkc1wvMjAyM1wvMDFcL2MxLmpwZyIsInNsaWRlc2hvdyI6IjhhYzUxMzYifQ%3D%3D\">\n\t\t\t\t\t<div class=\"e-gallery-image elementor-gallery-item__image\" data-thumbnail=\"https:\/\/www.cnbs.gob.hn\/educacionfinanciera\/wp-content\/uploads\/2023\/01\/c1-300x295.jpg\" data-width=\"300\" data-height=\"295\" aria-label=\"\" role=\"img\" ><\/div>\n\t\t\t\t\t\t\t\t\t\t\t<div class=\"elementor-gallery-item__overlay\"><\/div>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t<a class=\"e-gallery-item elementor-gallery-item elementor-animated-content\" href=\"https:\/\/www.cnbs.gob.hn\/educacionfinanciera\/wp-content\/uploads\/2023\/01\/c2.jpg\" data-elementor-open-lightbox=\"yes\" data-elementor-lightbox-slideshow=\"8ac5136\" data-elementor-lightbox-title=\"c2\" data-e-action-hash=\"#elementor-action%3Aaction%3Dlightbox%26settings%3DeyJpZCI6NDM0OSwidXJsIjoiaHR0cHM6XC9cL3d3dy5jbmJzLmdvYi5oblwvZWR1Y2FjaW9uZmluYW5jaWVyYVwvd3AtY29udGVudFwvdXBsb2Fkc1wvMjAyM1wvMDFcL2MyLmpwZyIsInNsaWRlc2hvdyI6IjhhYzUxMzYifQ%3D%3D\">\n\t\t\t\t\t<div class=\"e-gallery-image elementor-gallery-item__image\" data-thumbnail=\"https:\/\/www.cnbs.gob.hn\/educacionfinanciera\/wp-content\/uploads\/2023\/01\/c2-300x296.jpg\" data-width=\"300\" data-height=\"296\" aria-label=\"\" role=\"img\" ><\/div>\n\t\t\t\t\t\t\t\t\t\t\t<div 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class=\"elementor-gallery-item__overlay\"><\/div>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t<a class=\"e-gallery-item elementor-gallery-item elementor-animated-content\" href=\"https:\/\/www.cnbs.gob.hn\/educacionfinanciera\/wp-content\/uploads\/2023\/01\/c4.jpg\" data-elementor-open-lightbox=\"yes\" data-elementor-lightbox-slideshow=\"8ac5136\" data-elementor-lightbox-title=\"c4\" data-e-action-hash=\"#elementor-action%3Aaction%3Dlightbox%26settings%3DeyJpZCI6NDM1MSwidXJsIjoiaHR0cHM6XC9cL3d3dy5jbmJzLmdvYi5oblwvZWR1Y2FjaW9uZmluYW5jaWVyYVwvd3AtY29udGVudFwvdXBsb2Fkc1wvMjAyM1wvMDFcL2M0LmpwZyIsInNsaWRlc2hvdyI6IjhhYzUxMzYifQ%3D%3D\">\n\t\t\t\t\t<div class=\"e-gallery-image elementor-gallery-item__image\" data-thumbnail=\"https:\/\/www.cnbs.gob.hn\/educacionfinanciera\/wp-content\/uploads\/2023\/01\/c4-300x294.jpg\" data-width=\"300\" data-height=\"294\" aria-label=\"\" role=\"img\" ><\/div>\n\t\t\t\t\t\t\t\t\t\t\t<div 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class=\"elementor-gallery-item__overlay\"><\/div>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t<a class=\"e-gallery-item elementor-gallery-item elementor-animated-content\" href=\"https:\/\/www.cnbs.gob.hn\/educacionfinanciera\/wp-content\/uploads\/2023\/01\/Ahorro_CNBS_-07.png\" data-elementor-open-lightbox=\"yes\" data-elementor-lightbox-slideshow=\"8ac5136\" data-elementor-lightbox-title=\"Ahorro_CNBS_-07\" data-e-action-hash=\"#elementor-action%3Aaction%3Dlightbox%26settings%3DeyJpZCI6NDU3MCwidXJsIjoiaHR0cHM6XC9cL3d3dy5jbmJzLmdvYi5oblwvZWR1Y2FjaW9uZmluYW5jaWVyYVwvd3AtY29udGVudFwvdXBsb2Fkc1wvMjAyM1wvMDFcL0Fob3Jyb19DTkJTXy0wNy5wbmciLCJzbGlkZXNob3ciOiI4YWM1MTM2In0%3D\">\n\t\t\t\t\t<div class=\"e-gallery-image elementor-gallery-item__image\" data-thumbnail=\"https:\/\/www.cnbs.gob.hn\/educacionfinanciera\/wp-content\/uploads\/2023\/01\/Ahorro_CNBS_-07-300x210.png\" data-width=\"300\" data-height=\"210\" aria-label=\"\" role=\"img\" ><\/div>\n\t\t\t\t\t\t\t\t\t\t\t<div class=\"elementor-gallery-item__overlay\"><\/div>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t<a class=\"e-gallery-item elementor-gallery-item elementor-animated-content\" href=\"https:\/\/www.cnbs.gob.hn\/educacionfinanciera\/wp-content\/uploads\/2023\/01\/Ahorro_CNBS_-08.png\" data-elementor-open-lightbox=\"yes\" data-elementor-lightbox-slideshow=\"8ac5136\" data-elementor-lightbox-title=\"Ahorro_CNBS_-08\" data-e-action-hash=\"#elementor-action%3Aaction%3Dlightbox%26settings%3DeyJpZCI6NDU3MSwidXJsIjoiaHR0cHM6XC9cL3d3dy5jbmJzLmdvYi5oblwvZWR1Y2FjaW9uZmluYW5jaWVyYVwvd3AtY29udGVudFwvdXBsb2Fkc1wvMjAyM1wvMDFcL0Fob3Jyb19DTkJTXy0wOC5wbmciLCJzbGlkZXNob3ciOiI4YWM1MTM2In0%3D\">\n\t\t\t\t\t<div class=\"e-gallery-image elementor-gallery-item__image\" data-thumbnail=\"https:\/\/www.cnbs.gob.hn\/educacionfinanciera\/wp-content\/uploads\/2023\/01\/Ahorro_CNBS_-08-275x300.png\" data-width=\"275\" data-height=\"300\" aria-label=\"\" role=\"img\" ><\/div>\n\t\t\t\t\t\t\t\t\t\t\t<div class=\"elementor-gallery-item__overlay\"><\/div>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t<a class=\"e-gallery-item elementor-gallery-item elementor-animated-content\" href=\"https:\/\/www.cnbs.gob.hn\/educacionfinanciera\/wp-content\/uploads\/2023\/01\/Ahorro_CNBS_-09.png\" data-elementor-open-lightbox=\"yes\" data-elementor-lightbox-slideshow=\"8ac5136\" data-elementor-lightbox-title=\"Ahorro_CNBS_-09\" data-e-action-hash=\"#elementor-action%3Aaction%3Dlightbox%26settings%3DeyJpZCI6NDU3MiwidXJsIjoiaHR0cHM6XC9cL3d3dy5jbmJzLmdvYi5oblwvZWR1Y2FjaW9uZmluYW5jaWVyYVwvd3AtY29udGVudFwvdXBsb2Fkc1wvMjAyM1wvMDFcL0Fob3Jyb19DTkJTXy0wOS5wbmciLCJzbGlkZXNob3ciOiI4YWM1MTM2In0%3D\">\n\t\t\t\t\t<div class=\"e-gallery-image elementor-gallery-item__image\" data-thumbnail=\"https:\/\/www.cnbs.gob.hn\/educacionfinanciera\/wp-content\/uploads\/2023\/01\/Ahorro_CNBS_-09-300x300.png\" data-width=\"300\" data-height=\"300\" aria-label=\"\" role=\"img\" ><\/div>\n\t\t\t\t\t\t\t\t\t\t\t<div class=\"elementor-gallery-item__overlay\"><\/div>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t<a class=\"e-gallery-item elementor-gallery-item elementor-animated-content\" href=\"https:\/\/www.cnbs.gob.hn\/educacionfinanciera\/wp-content\/uploads\/2023\/01\/Ahorro_CNBS_-10.png\" data-elementor-open-lightbox=\"yes\" data-elementor-lightbox-slideshow=\"8ac5136\" data-elementor-lightbox-title=\"Ahorro_CNBS_-10\" data-e-action-hash=\"#elementor-action%3Aaction%3Dlightbox%26settings%3DeyJpZCI6NDU3MywidXJsIjoiaHR0cHM6XC9cL3d3dy5jbmJzLmdvYi5oblwvZWR1Y2FjaW9uZmluYW5jaWVyYVwvd3AtY29udGVudFwvdXBsb2Fkc1wvMjAyM1wvMDFcL0Fob3Jyb19DTkJTXy0xMC5wbmciLCJzbGlkZXNob3ciOiI4YWM1MTM2In0%3D\">\n\t\t\t\t\t<div class=\"e-gallery-image elementor-gallery-item__image\" data-thumbnail=\"https:\/\/www.cnbs.gob.hn\/educacionfinanciera\/wp-content\/uploads\/2023\/01\/Ahorro_CNBS_-10-298x300.png\" data-width=\"298\" data-height=\"300\" aria-label=\"\" role=\"img\" ><\/div>\n\t\t\t\t\t\t\t\t\t\t\t<div class=\"elementor-gallery-item__overlay\"><\/div>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t<a class=\"e-gallery-item elementor-gallery-item elementor-animated-content\" href=\"https:\/\/www.cnbs.gob.hn\/educacionfinanciera\/wp-content\/uploads\/2023\/01\/Ahorro_CNBS_-11.png\" data-elementor-open-lightbox=\"yes\" data-elementor-lightbox-slideshow=\"8ac5136\" data-elementor-lightbox-title=\"Ahorro_CNBS_-11\" data-e-action-hash=\"#elementor-action%3Aaction%3Dlightbox%26settings%3DeyJpZCI6NDU3NCwidXJsIjoiaHR0cHM6XC9cL3d3dy5jbmJzLmdvYi5oblwvZWR1Y2FjaW9uZmluYW5jaWVyYVwvd3AtY29udGVudFwvdXBsb2Fkc1wvMjAyM1wvMDFcL0Fob3Jyb19DTkJTXy0xMS5wbmciLCJzbGlkZXNob3ciOiI4YWM1MTM2In0%3D\">\n\t\t\t\t\t<div class=\"e-gallery-image elementor-gallery-item__image\" data-thumbnail=\"https:\/\/www.cnbs.gob.hn\/educacionfinanciera\/wp-content\/uploads\/2023\/01\/Ahorro_CNBS_-11-298x300.png\" data-width=\"298\" data-height=\"300\" aria-label=\"\" role=\"img\" ><\/div>\n\t\t\t\t\t\t\t\t\t\t\t<div class=\"elementor-gallery-item__overlay\"><\/div>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t<a class=\"e-gallery-item elementor-gallery-item elementor-animated-content\" href=\"https:\/\/www.cnbs.gob.hn\/educacionfinanciera\/wp-content\/uploads\/2023\/01\/Ahorro_CNBS_-12.png\" data-elementor-open-lightbox=\"yes\" data-elementor-lightbox-slideshow=\"8ac5136\" data-elementor-lightbox-title=\"Ahorro_CNBS_-12\" data-e-action-hash=\"#elementor-action%3Aaction%3Dlightbox%26settings%3DeyJpZCI6NDU3NSwidXJsIjoiaHR0cHM6XC9cL3d3dy5jbmJzLmdvYi5oblwvZWR1Y2FjaW9uZmluYW5jaWVyYVwvd3AtY29udGVudFwvdXBsb2Fkc1wvMjAyM1wvMDFcL0Fob3Jyb19DTkJTXy0xMi5wbmciLCJzbGlkZXNob3ciOiI4YWM1MTM2In0%3D\">\n\t\t\t\t\t<div class=\"e-gallery-image elementor-gallery-item__image\" data-thumbnail=\"https:\/\/www.cnbs.gob.hn\/educacionfinanciera\/wp-content\/uploads\/2023\/01\/Ahorro_CNBS_-12-298x300.png\" data-width=\"298\" data-height=\"300\" aria-label=\"\" role=\"img\" ><\/div>\n\t\t\t\t\t\t\t\t\t\t\t<div class=\"elementor-gallery-item__overlay\"><\/div>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/a>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<\/div>\n\t\t","protected":false},"excerpt":{"rendered":"<p>Puede definir al ahorro, como el ingreso que dispone en un per\u00edodo de menos los gastos que ha debido realizar en ese mismo per\u00edodo. Ese excedente<span class=\"excerpt-hellip\"> [\u2026]<\/span><\/p>\n","protected":false},"author":1,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"footnotes":""},"class_list":["post-325","page","type-page","status-publish","hentry"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.3 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>El Ahorro - CNBS - GEIFG - Educaci\u00f3n Financiera<\/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.cnbs.gob.hn\/educacionfinanciera\/el-ahorro\/\" \/>\n<meta property=\"og:locale\" content=\"es_ES\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"El Ahorro - CNBS - GEIFG - Educaci\u00f3n Financiera\" \/>\n<meta property=\"og:description\" content=\"Puede definir al ahorro, como el ingreso que dispone en un per\u00edodo de menos los gastos que ha debido realizar en ese mismo per\u00edodo. 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