{"id":14005,"date":"2021-01-08T12:52:20","date_gmt":"2021-01-08T11:52:20","guid":{"rendered":"https:\/\/www.fintonic.com\/?p=14005"},"modified":"2021-01-08T12:52:20","modified_gmt":"2021-01-08T11:52:20","slug":"estudios-fintonic-cuesta-de-enero-2021","status":"publish","type":"post","link":"https:\/\/www.fintonic.com\/blog\/estudios-fintonic-cuesta-de-enero-2021\/","title":{"rendered":"Estudios Fintonic: \u201cCuesta de Enero 2021&#8243;"},"content":{"rendered":"\n<h4 class=\"wp-block-heading\">Subiremos la cuesta de enero con m\u00e1s ahorro y una ca\u00edda del gasto del 8% en 2020.<\/h4>\n\n\n\n<ul class=\"wp-block-list\"><li>Cerramos el a\u00f1o con una tasa de ahorro del 6%, por encima del 4,4% registrado en 2019.<\/li><\/ul>\n\n\n\n<p>Los espa\u00f1oles viviremos <strong>la cuesta de enero m\u00e1s at\u00edpica de los \u00faltimos a\u00f1os<\/strong>. Si a comienzos de 2019 tuvimos que reducir un 9% el presupuesto para compensar los excesos navide\u00f1os, este a\u00f1o calculamos que el ajuste ser\u00e1 mucho menor, pues terminamos 2020 con una ca\u00edda en el gasto medio de un 8% y una tasa de ahorro del 6%, por encima del 4,4% que se registr\u00f3 en 2019.<\/p>\n\n\n\n<p><br \/>Este aumento en el ahorro ha sido <strong>especialmente significativo<\/strong> en regiones como <strong>el Pa\u00eds Vasco,<\/strong> donde asciende al 12,3%; <strong>Castilla y Le\u00f3n,<\/strong> con un 9,3% o&nbsp;<strong>Galicia<\/strong>, donde se ha situado en un 8,5%. En buena medida el ahorro est\u00e1 relacionado con las restricciones de actividad debido a las medidas para frenar el coronavirus. <\/p>\n\n\n\n<p>El <strong>consumo medio en restauraci\u00f3n de los espa\u00f1oles descendi\u00f3 en 2020 un 33%<\/strong> y un 3% el n\u00famero de consumidores. Tambi\u00e9n disminuye <strong>el gasto en transporte, un 46%<\/strong>, y el coste medio del mantenimiento del veh\u00edculo que baja hasta un 57%. Incluso es menor la cuant\u00eda que destinamos al pago de multas que cay\u00f3 un 71%.<\/p>\n\n\n\n<p>El importe medio que dedicamos a alojamientos tur\u00edsticos se mantuvo estable, pero <strong>desciende m\u00e1s de un 70% el n\u00famero de espa\u00f1oles que registran una inversi\u00f3n de este tipo en estos meses. <\/strong>Tambi\u00e9n hemos ahorrado este pasado a\u00f1o en otras partidas como la compra de ropa, sector donde se redujo en un 13% el n\u00famero medio de compradores con respecto a 2019.<\/p>\n\n\n\n<p><br \/>Rompe esta tendencia el consumo en <strong>grandes superficies<\/strong> que lograba sus mejores cifras durante los meses de confinamiento y se mantuvo muy por encima de 2019, <strong>alcanzando un crecimiento del 14% del gasto medio anual.<\/strong><\/p>\n\n\n\n<h2 class=\"wp-block-heading\">\u00bfC\u00f3mo afrontamos 2021?<\/h2>\n\n\n\n<p><br \/>Seg\u00fan los datos de nuestro estudio, la pandemia ha servido de revulsivo para que muchos ciudadanos tengan <strong>un mayor inter\u00e9s por conocer qu\u00e9 ocurre con su dinero y por ahorrar. <\/strong>\u201cCreemos que, una vez que comience a normalizarse la situaci\u00f3n, este ahorro se canalizar\u00e1 de nuevo en el consumo\u201d, asegura Lupina Iturriaga, nuestra fundadora y Co-CEO.<\/p>\n\n\n\n<p>No obstante, nuestra experta en finanzas personales recuerda que \u201ces posible ahorrar sin necesidad de hacer sacrificios o renunciar a cosas que nos gustan, tan solo revisando si es competitivo el precio que pagamos por servicios b\u00e1sicos como la luz o el tel\u00e9fono, o la p\u00f3liza de los seguros que tenemos contratados.<\/p>\n\n\n\n<p>De hecho, en 2020 nuestros usuarios a los que <strong>hemos revisado sus recibos<\/strong> de energ\u00eda, tel\u00e9fono y seguros han<strong> logrado un ahorro medio de 900\u20ac al a\u00f1o.<\/strong><br \/><\/p>\n\n\n\n<figure class=\"wp-block-image\"><a href=\"https:\/\/go.onelink.me\/4dGw\/9c41141b\"><img decoding=\"async\" src=\"https:\/\/www.fintonic.com\/wp-content\/uploads\/2020\/01\/blog-footer-03.02.20-1024x491.gif\" alt=\"Descarga Fintonic\" class=\"wp-image-12612\"\/><\/a><\/figure>\n","protected":false},"excerpt":{"rendered":"<p>Subiremos la cuesta de enero con m\u00e1s ahorro y una ca\u00edda del gasto del 8% en 2020. Cerramos el a\u00f1o con una tasa de ahorro del 6%, por encima del 4,4% registrado en 2019. Los espa\u00f1oles viviremos la cuesta de enero m\u00e1s at\u00edpica de los \u00faltimos a\u00f1os. Si a comienzos de 2019 tuvimos que reducir [&hellip;]<\/p>\n","protected":false},"author":3,"featured_media":14006,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[23],"tags":[],"class_list":["post-14005","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-estudios-fintonic"],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v27.2 (Yoast SEO v27.5) - https:\/\/yoast.com\/product\/yoast-seo-premium-wordpress\/ -->\n<title>Estudios Fintonic: \u201cCuesta de Enero 2021&quot; - Fintonic News<\/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.fintonic.com\/blog\/estudios-fintonic-cuesta-de-enero-2021\/\" \/>\n<meta property=\"og:locale\" content=\"es_ES\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Estudios Fintonic: \u201cCuesta de Enero 2021&quot;\" \/>\n<meta property=\"og:description\" content=\"Subiremos la cuesta de enero con m\u00e1s ahorro y una ca\u00edda del gasto del 8% en 2020. Cerramos el a\u00f1o con una tasa de ahorro del 6%, por encima del 4,4% registrado en 2019. Los espa\u00f1oles viviremos la cuesta de enero m\u00e1s at\u00edpica de los \u00faltimos a\u00f1os. 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