{"id":68200,"date":"2019-04-04T08:45:00","date_gmt":"2019-04-04T12:45:00","guid":{"rendered":"https:\/\/hispanicprwire.com\/english-fewer-americans-are-budgeting-in-2019-although-they-think-everyone-else-should\/"},"modified":"2019-04-04T08:48:15","modified_gmt":"2019-04-04T12:48:15","slug":"menos-norteamericanos-estan-haciendo-un-presupuesto-en-2019-aunque-creen-que-todos-los-demas-deberian-hacerlo","status":"publish","type":"post","link":"https:\/\/hispanicprwire.com\/en\/menos-norteamericanos-estan-haciendo-un-presupuesto-en-2019-aunque-creen-que-todos-los-demas-deberian-hacerlo\/","title":{"rendered":"Fewer Americans are Budgeting in 2019 &#8212; Although They Think Everyone Else Should"},"content":{"rendered":"<p><\/p>\n<style type=\"text\/css\"><![CDATA[\n\/* Style Definitions *\/\nspan.prnews_span\n{\nfont-size:8pt;\nfont-family:\"Arial\";\ncolor:black;\n}\na.prnews_a\n{\ncolor:blue;\n}\nli.prnews_li\n{\nfont-size:8pt;\nfont-family:\"Arial\";\ncolor:black;\n}\np.prnews_p\n{\nfont-size:0.62em;\nfont-family:\"Arial\";\ncolor:black;\nmargin:0in;\n}\n]]><\/style>\n<div class=\"xn-content\">\n<p><span class=\"xn-location\">FORT LAUDERDALE, Florida<\/span>, <span class=\"xn-chron\">April 4, 2019<\/span> \/PRNewswire-HISPANIC PR WIRE\/ &#8212;\u00a0Americans know they need to create a household budget \u2013 and stick to it. They know this country won&#8217;t dig itself out of oppressive personal debt that now tops <span class=\"xn-money\">$4 trillion dollars<\/span> unless we monitor our spending. However, for some reason, fewer of us are doing it this year.<\/p>\n<div id=\"prni_dvprnejpgd92eleft\" style=\"WIDTH: 100%; TEXT-ALIGN: left\" dir=\"ltr\"><img decoding=\"async\" id=\"prnejpgd92eleft\" title=\"Debt.com is the consumer website where people from all walks of life can find help with credit card debt, student loan assistance, credit monitoring, tax debt, identity theft, credit repair, bankruptcy, debt collector harassment and more. Debt.com works with only vetted and certified providers that give the best advice and solutions for consumers 'when life happens. \" border=\"0\" alt=\"Debt.com is the consumer website where people from all walks of life can find help with credit card debt, student loan assistance, credit monitoring, tax debt, identity theft, credit repair, bankruptcy, debt collector harassment and more. Debt.com works with only vetted and certified providers that give the best advice and solutions for consumers 'when life happens. \" align=\"middle\" imagelabel=\"General\" src=\"https:\/\/mma.prnewswire.com\/media\/408903\/debtdotcom_logo.jpg \"\/><\/div>\n<p>Last year&#8217;s <a target=\"_blank\" href=\"https:\/\/c212.net\/c\/link\/?t=0&amp;l=en&amp;o=2424424-1&amp;h=2946573668&amp;u=https%3A%2F%2Fwww.debt.com%2Fresearch%2Fbest-way-to-budget-2019&amp;a=Debt.com+poll\" rel=\"nofollow\">Debt.com poll<\/a>\u00a0of more than 1,000 Americans revealed precisely\u00a070 percent of respondents had their family on a budget. In 2019, however, that dipped to 67 percent. Meanwhile, when Debt.com asked <a target=\"_blank\" href=\"https:\/\/c212.net\/c\/link\/?t=0&amp;l=en&amp;o=2424424-1&amp;h=3667949208&amp;u=https%3A%2F%2Fwww.debt.com%2Fbudgeting%2Fwhich-payment-type-can-help-you-stick-to-a-budget%2F&amp;a=%22should+everyone%22+budget\" rel=\"nofollow\">&#8220;should everyone&#8221; budget<\/a>, only 19 percent said yes in 2018. In 2019, that rose to 25 percent.<\/p>\n<p>That contradiction is not unusual, says <span class=\"xn-person\">Howard Dvorkin<\/span>, CPA and chairman of Debt.com. Many Americans think they are smarter than their neighbors when it comes to money. &#8220;In two decades as a financial professional, I can&#8217;t tell you how many people tell me, &#8216;I know debt is a huge problem in this country, but I thought I could handle it,'&#8221; Dvorkin says. &#8220;It&#8217;s human nature to expect the best and not plan for the worst, so many otherwise smart Americans refuse to budget \u2013 because they don&#8217;t think they need it. Then a <a target=\"_blank\" href=\"https:\/\/c212.net\/c\/link\/?t=0&amp;l=en&amp;o=2424424-1&amp;h=2029770715&amp;u=https%3A%2F%2Fwww.debt.com%2Fask-the-expert%2Fwork-disability%2F&amp;a=serious+illness+or+accident\" rel=\"nofollow\">serious illness or accident<\/a>\u00a0keeps them out of work. Or they simply get laid off. Or they get divorced. Or a natural disaster strikes. That&#8217;s when all those years of budgeting help you weather the storm.&#8221;<\/p>\n<p>There was one other &#8220;non-surprise&#8221; in the 2019 budgeting survey, Dvorkin says \u2013 and one big surprise.<\/p>\n<p><b>No surprise: Women budget better than men: <\/b>For instance, more women (97 percent) than men (90 percent) said, &#8220;everyone should budget.&#8221; More men (11 percent) also bragged they &#8220;never overspend&#8221; compared to women (6 percent). &#8220;Ask any financial coach, <a target=\"_blank\" href=\"https:\/\/c212.net\/c\/link\/?t=0&amp;l=en&amp;o=2424424-1&amp;h=2066431061&amp;u=https%3A%2F%2Fwww.debt.com%2Fcredit-card-debt%2Fcounseling%2F&amp;a=credit+counseling+agency\" rel=\"nofollow\">credit counseling agency<\/a>, or personal finance blogger who usually initiates a conversation about a couple&#8217;s finances,&#8221; Dvorkin says. &#8220;More often than not, it&#8217;s the woman in the relationship. Why is that? I&#8217;m sure the reasons are many and complicated, but it is true.&#8221;<\/p>\n<p><b>Big surprise: Young people like budgeting: <\/b>When asked, &#8220;Do you use a budget,&#8221; those older than 39 were eclipsed by younger consumers.<\/p>\n<ul type=\"disc\">\n<li>22 and under \u2013 50 percent use a budget <\/li>\n<li>23-38 years old \u2013 74 percent use a budget <\/li>\n<li>39-54 years old \u2013 67 percent use a budget <\/li>\n<li>55 and older \u2013 67 percent use a budget<\/li>\n<\/ul>\n<p>This doesn&#8217;t surprise Dvorkin. Why? Because of fin-tech. &#8220;The days of budgeting tools being defined as a pencil, eraser, and yellow notepad are long gone,&#8221; he says. &#8220;Now young people use programs like Mint and custom spreadsheets from Tiller. When you can monitor your <a target=\"_blank\" href=\"https:\/\/c212.net\/c\/link\/?t=0&amp;l=en&amp;o=2424424-1&amp;h=3381823398&amp;u=https%3A%2F%2Fwww.debt.com%2Fbudgeting%2F&amp;a=budget+in+real+time+on+an+app\" rel=\"nofollow\">budget in real time on an app<\/a>, then you&#8217;re talking young people&#8217;s language.&#8221;<\/p>\n<p>What will next year&#8217;s Debt.com budget survey reveal? Dvorkin predicts budgeting will suddenly spike if the economy retracts. It&#8217;s counter-intuitive, he says: &#8220;You should budget in the good times when money is coming in. That&#8217;s how you save for retirement, for a house, for college. Budgeting when times are bad may help stop the bleeding, but it won&#8217;t build your bank account.&#8221;<\/p>\n<p>About: Debt.com is the consumer website where people can find help with credit card debt, student loan debt, tax debt, credit repair, bankruptcy, and more. Debt.com works with vetted and certified providers that give the best advice and solutions for consumers &#8216;when life happens&#8217;.<\/p>\n<p>Logo &#8211; <a target=\"_blank\" href=\"https:\/\/c212.net\/c\/link\/?t=0&amp;l=en&amp;o=2424424-1&amp;h=4270185861&amp;u=https%3A%2F%2Fmma.prnewswire.com%2Fmedia%2F408903%2Fdebtdotcom_logo.jpg&amp;a=https%3A%2F%2Fmma.prnewswire.com%2Fmedia%2F408903%2Fdebtdotcom_logo.jpg\" rel=\"nofollow\">https:\/\/mma.prnewswire.com\/media\/408903\/debtdotcom_logo.jpg<\/a> \u00a0<\/p>\n<p>SOURCE  Debt.com<\/p>\n<\/div>\n<p> <\/p>","protected":false},"excerpt":{"rendered":"<div class=\"xn-content\">\n<p><span class=\"xn-location\">FORT LAUDERDALE, Florida<\/span>, <span class=\"xn-chron\">April 4, 2019<\/span> \/PRNewswire-HISPANIC PR WIRE\/ &#8212;\u00a0Americans know they need to create a household budget \u2013 and stick to it. They know this country won&#8217;t dig itself out of oppressive personal debt that now tops <span class=\"xn-money\">$4 trillion dollars<\/span> unless we monitor our spending. However, for some reason, fewer of us are doing it this year.<\/p>\n<div id=\"prni_dvprnejpgd92eleft\" dir=\"ltr\">&lt;img id=&quot;prnejpgd92eleft&quot; title=&quot;Debt.com&#8230;<\/p>\n","protected":false},"author":1,"featured_media":68201,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[2],"tags":[],"class_list":["post-68200","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-negocios-y-finanzas"],"acf":[],"_links":{"self":[{"href":"https:\/\/hispanicprwire.com\/en\/wp-json\/wp\/v2\/posts\/68200","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/hispanicprwire.com\/en\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/hispanicprwire.com\/en\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/hispanicprwire.com\/en\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/hispanicprwire.com\/en\/wp-json\/wp\/v2\/comments?post=68200"}],"version-history":[{"count":0,"href":"https:\/\/hispanicprwire.com\/en\/wp-json\/wp\/v2\/posts\/68200\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/hispanicprwire.com\/en\/wp-json\/wp\/v2\/media\/68201"}],"wp:attachment":[{"href":"https:\/\/hispanicprwire.com\/en\/wp-json\/wp\/v2\/media?parent=68200"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/hispanicprwire.com\/en\/wp-json\/wp\/v2\/categories?post=68200"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/hispanicprwire.com\/en\/wp-json\/wp\/v2\/tags?post=68200"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}