{"id":2980,"date":"2023-01-04T21:07:07","date_gmt":"2023-01-04T21:07:07","guid":{"rendered":"https:\/\/branded.staging.kofetime.com\/?page_id=2980"},"modified":"2024-01-23T17:43:16","modified_gmt":"2024-01-23T17:43:16","slug":"como-elaborar-un-presupuesto","status":"publish","type":"page","link":"https:\/\/branded.staging.kofetime.com\/es\/fundamentos-financieros\/como-elaborar-un-presupuesto\/","title":{"rendered":"Como Elaborar un Presupuesto"},"content":{"rendered":"\n<h2 class=\"wp-block-heading\" id=\"Como-administrar-mejor-su-dinero-con-un-presupuesto\">C\u00f3mo administrar mejor su dinero con un presupuesto.<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Elaborar un presupuesto es el primer paso para convertirse en un mejor administrador del dinero. Es incre\u00edble pero muchas personas no saben cu\u00e1nto dinero ganan o cu\u00e1nto dinero gastan cada mes.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Por esta raz\u00f3n es tan importante elaborar un presupuesto. Despu\u00e9s de hacer este ejercicio financiero, a muchas personas les sorprende saber cu\u00e1nto realmente gastan al mes. El simple hecho de elaborar un presupuesto ha inspirado a muchas personas a cambiar sus h\u00e1bitos financieros.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Tome en serio este ejercicio. Averig\u00fce la cantidad total que gana y gasta cada mes -hasta el \u00faltimo centavo. Esto es sumamente importante.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"Prueba-de-conocimientos-de-KOFE\">Prueba de conocimientos de KOFE<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Antes de empezar, tome este breve cuestionario para ver cu\u00e1nto sabe sobre el ABC de los presupuestos. Este ejercicio le dar\u00e1 una idea del tiempo que necesitar\u00e1 para terminar esta secci\u00f3n.<\/p>\n\n\n\n<div class=\"wp-block-group container rounded-2xl p-10 flashcard has-kofe-info-background-color has-background has-global-padding is-layout-constrained wp-block-group-is-layout-constrained\">\n<h3 class=\"wp-block-heading\">\u00bfCu\u00e1les son los tres tipos de gastos que forman parte de un presupuesto?<\/h3>\n\n\n\n<div class=\"wp-block-group answers has-global-padding is-layout-constrained wp-block-group-is-layout-constrained\">\n<p class=\"wp-block-paragraph\"><strong>A.<\/strong> Cuentas, Deseos, Necesidade<\/p>\n\n\n\n<p class=\"correct wp-block-paragraph\"><strong>B.<\/strong> Fijos, Flexibles, Discrecionales<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>C.<\/strong> Pagados ahora, pagados el mes que viene, nunca pagados<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>D.<\/strong> Flexibles, Flotantes, Fijos<\/p>\n<\/div>\n\n\n\n<div class=\"wp-block-buttons is-layout-flex wp-block-buttons-is-layout-flex\">\n<div class=\"wp-block-button revealbtn\"><a class=\"wp-block-button__link has-kofe-secondary-background-color has-background wp-element-button\">Mostrar Respuesta<\/a><\/div>\n<\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-group container rounded-2xl p-10 flashcard has-kofe-info-background-color has-background has-global-padding is-layout-constrained wp-block-group-is-layout-constrained\">\n<h3 class=\"wp-block-heading\">\u00bfCu\u00e1nto es la m\u00ednima cantidad de dinero que debe tener como ahorros?<\/h3>\n\n\n\n<div class=\"wp-block-group answers has-global-padding is-layout-constrained wp-block-group-is-layout-constrained\">\n<p class=\"wp-block-paragraph\"><strong>A.<\/strong> \u00bfQu\u00e9 ahorros?<\/p>\n\n\n\n<p class=\"correct wp-block-paragraph\"><strong>B.<\/strong> Por lo menos seis meses de gastos presupuestados<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>C.<\/strong> Al menos el 50% de su salario anual neto<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>D.<\/strong> Por lo menos el 75% de su ingreso bruto mensual<a href=\"javascript:void(0)\"><\/a><\/p>\n<\/div>\n\n\n\n<div class=\"wp-block-buttons is-layout-flex wp-block-buttons-is-layout-flex\">\n<div class=\"wp-block-button revealbtn\"><a class=\"wp-block-button__link has-kofe-secondary-background-color has-background wp-element-button\">Mostrar Respuesta<\/a><\/div>\n<\/div>\n<\/div>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"Como-calcular-su-ingreso\">C\u00f3mo calcular su ingreso<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Encuentre un lugar tranquilo y re\u00fana todas sus fuentes de ingreso. Si est\u00e1 casado, incluya el salario de su c\u00f3nyuge. Si gana dinero a trav\u00e9s de inversiones, tiene un trabajo a tiempo parcial, recibe pensi\u00f3n alimenticia o tiene hijos que contribuyen a los gastos, debe a\u00f1adir todos estos ingresos. Recuerde que es importante incluir todo si quiere tener un presupuesto exacto. Este total se llama su ingreso bruto.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"Anote-sus-gastos\">Anote sus gastos<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Una vez que entienda cu\u00e1nto gana cada mes, es hora de implementar un plan de gastos. Durante un mes, recoja todos sus recibos, incluyendo los del ATM, restaurantes, gasolina, etc. An\u00f3telo todo.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Cada centavo cuenta. Incluya los gastos que se olvidan f\u00e1cilmente, tales como:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Mesada para los ni\u00f1os<\/li>\n\n\n\n<li>El dinero gastado en comprar caf\u00e9 por la ma\u00f1ana o las bebidas energ\u00e9ticas por la tarde<\/li>\n\n\n\n<li>Almuerzos en sitios de comida r\u00e1pida<\/li>\n\n\n\n<li>Lavander\u00eda<\/li>\n\n\n\n<li>Alcohol y cigarrillos<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">Ning\u00fan gasto es demasiado peque\u00f1o. Muchas personas ignoran convenientemente ciertos gastos porque se sienten incomodas que est\u00e1n gastando en exceso y quieren que tales gastos se mantengan desapercibidos. Sin embargo, ning\u00fan gasto puede ser ignorado si quiere tener un buen presupuesto.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"Comprendiendo-los-3-tipos-de-gastos-en-su-presupuesto\">Comprendiendo los 3 tipos de gastos en su presupuesto<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Hay tres tipos de gastos en su planilla de gastos. La separaci\u00f3n de gastos revela cu\u00e1nto dinero se gasta en cada \u00e1rea, y tambi\u00e9n las \u00e1reas donde se puede recortar los gastos innecesarios. Estos tres tipos de gastos incluyen:<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Los Gastos Fijos<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Estos suelen ser los gastos necesarios que permanecen fijos mes a mes. Incluyen, los pagos del coche, hipoteca, alquiler e incluso gastos como las cuotas de mantenimiento de condominios.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Los Gastos Flexibles<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Estos gastos var\u00edan de mes a mes, pero son en mayor parte necesarias &#8211; aunque pueden ser reducidos f\u00e1cilmente. Ellos incluyen facturas de comestibles, servicios p\u00fablicos, cable y las facturas de tel\u00e9fono celular.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Los Gastos Discrecionales (o Miscel\u00e1neos)<\/strong><a><\/a><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Estos gastos caen en la categor\u00eda de deseos, comodidades o caprichos m\u00e1s que necesidades. Estos incluyen membres\u00edas de gimnasio, restaurantes, el caf\u00e9 comprado en la ma\u00f1ana entre otros. Tambi\u00e9n se pueden incluir los gastos inesperados, como reparaciones en el hogar.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"Prueba-de-conocimientos-de-KOFE-2\">Prueba de conocimientos de KOFE<\/h3>\n\n\n\n<div class=\"wp-block-group container rounded-2xl p-10 flashcard has-kofe-info-background-color has-background has-global-padding is-layout-constrained wp-block-group-is-layout-constrained\">\n<h3 class=\"wp-block-heading\">\u00bfQu\u00e9 significa el t\u00e9rmino financiero &#8220;d\u00e9ficit presupuestario&#8221;?<\/h3>\n\n\n\n<div class=\"wp-block-group answers has-global-padding is-layout-constrained wp-block-group-is-layout-constrained\">\n<p class=\"wp-block-paragraph\"><strong>A.<\/strong> Usted tiene dinero de sobra<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>B.<\/strong> Su ingreso bruto es mayor a sus gastos totales<\/p>\n\n\n\n<p class=\"correct wp-block-paragraph\"><strong>C.<\/strong> Sus gastos totales son mayores a su ingreso bruto<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>D.<\/strong> Sus finanzas est\u00e1n perfectas<\/p>\n<\/div>\n\n\n\n<div class=\"wp-block-buttons is-layout-flex wp-block-buttons-is-layout-flex\">\n<div class=\"wp-block-button revealbtn\"><a class=\"wp-block-button__link has-kofe-secondary-background-color has-background wp-element-button\">Mostrar Respuesta<\/a><\/div>\n<\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-group container rounded-2xl p-10 flashcard has-kofe-info-background-color has-background has-global-padding is-layout-constrained wp-block-group-is-layout-constrained\">\n<h3 class=\"wp-block-heading\">Una vez que ha elaborado un presupuesto, \u00bfqu\u00e9 debe hacer despu\u00e9s de unos meses?<\/h3>\n\n\n\n<div class=\"wp-block-group answers has-global-padding is-layout-constrained wp-block-group-is-layout-constrained\">\n<p class=\"wp-block-paragraph\"><strong>A.<\/strong> Dejar de usar un presupuesto<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>B.<\/strong> Elaborar otro presupuesto completamente nuevo<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>C.<\/strong> Intentar utilizar el presupuesto de otra persona<\/p>\n\n\n\n<p class=\"correct wp-block-paragraph\"><strong>D.<\/strong> Revisarlo para asegurarse que se ajusta a la realidad<\/p>\n<\/div>\n\n\n\n<div class=\"wp-block-buttons is-layout-flex wp-block-buttons-is-layout-flex\">\n<div class=\"wp-block-button revealbtn\"><a class=\"wp-block-button__link has-kofe-secondary-background-color has-background wp-element-button\">Mostrar Respuesta<\/a><\/div>\n<\/div>\n<\/div>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"Aprenda-como-balancear-su-presupuesto\">Aprenda c\u00f3mo balancear su presupuesto<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Despu\u00e9s de totalizar sus gastos mensuales, hay que restarle su ingreso bruto. La diferencia se llama ingreso neto.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Por ejemplo, si usted tiene un ingreso bruto de $2.000 y sus gastos son $1.500, entonces su ingreso neto ser\u00e1 $500 ($2.000 &#8211; $1.500 = $500). Si recibe cuatro pagos de n\u00f3mina al mes esto significa que s\u00f3lo tendr\u00e1 $125 para contribuir a sus ahorros, para la jubilaci\u00f3n, un fondo de emergencia u otras metas. Es recomendable apartar 10% de su ingreso neto para los ahorros.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"Deficit-Presupuestario\">D\u00e9ficit Presupuestario<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">D\u00e9ficit presupuestario es el t\u00e9rmino usado cuando se gasta m\u00e1s que lo que se gana. Si sus gastos totales son m\u00e1s que su ingreso bruto, su presupuesto ser\u00e1 deficitario. Esto presenta un grave problema financiero.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Antes de seguir leyendo, aprenda como&nbsp;<a href=\"\/es\/fundamentos-financieros\/reduzca-sus-gasto\/\">Reducir Sus Gastos<\/a>.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"No-se-olvide-incluir-los-ahorros-en-su-presupuesto\">No se olvide incluir los ahorros en su presupuesto<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">La mayor\u00eda de la gente se olvida de ahorrar y de destinar fondos para el ahorro en su presupuesto. Usted debe tener un m\u00ednimo de seis meses de fondos ahorrados, suficientes para cubrir sus gastos presupuestados en una cuenta de ahorros separada.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Calcule cu\u00e1nto dinero puede ahorrar cada mes y obtenga una cuenta donde autom\u00e1ticamente se retiren fondos de su cuenta de cheque a su cuenta de ahorros. El proceso es f\u00e1cil y sin complicaciones. De lo contrario, hay una buena probabilidad de que terminar\u00e1 sin tener ahorros.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"Recuerde-Siempre-Reevaluar-su-Presupuesto\">Recuerde Siempre Reevaluar su Presupuesto<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Despu\u00e9s de unos meses de haber elaborado su presupuesto, compare su gastos reales con los presupuestados. Si algunos gastos han aumentado, haga los ajustes pertinentes. Su presupuesto no est\u00e1 escrito sobre una piedra y se debe ajustar con cierta frecuencia.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Despu\u00e9s de cada mes o dos debe volver a evaluarlo. Los gastos cambian r\u00e1pidamente y si usted no es diligente en ajustarlos, su presupuesto no ser\u00e1 certero. Elaborar un buen presupuesto requiere algo de trabajo, pero al final obtendr\u00e1 las recompensas.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Aproveche las ventajas de los\u00a0<a href=\"\/es\/courses\/\">cursos interactivos<\/a>\u00a0de KOFE sobre elaboraci\u00f3n de presupuestos, as\u00ed como sus\u00a0<a href=\"\/es\/aprende-ahora\/publicaciones-financieras\/\">publicaciones financieras<\/a>\u00a0y\u00a0<a href=\"\/es\/aprende-ahora\/videos-de-educacion-financiera\/\">videos<\/a>.<\/p>\n\n\n\n<div>\n    <a class=\"accordion-toggle accordion-block-btn btn btn-primary\" type=\"button\" data-target=\"block_1268ad04913f46fe218b2a36632a39f7\">Planilla de Presupuesto +<\/a>\n<\/div>\n\n<div class=\"overflow-hidden\" data-id=\"block_1268ad04913f46fe218b2a36632a39f7\" style=\"max-height: 0px;\">\n    \n\n<div class=\"block-calculator\" data-block-id=\"block_099c4f1c620894c8c9d3b188c3253cfa\">\n            <div class=\"calc-block rounded-2xl\">\n            <script src=\"https:\/\/code.highcharts.com\/highcharts.js\"><\/script>\n<form class=\"form-horizontal separated-form grid-labeled-form worksheet\" id=\"frmBudAnal\" name=\"frmBudAnal\">\n    <div class=\"carousel relative rounded relative overflow-hidden\">\n        <div class=\"carousel-inner relative overflow-hidden w-full\">\n                        <!--Income Worksheet-->\n            <input class=\"carousel-open\" type=\"radio\" id=\"carousel-1\" name=\"carousel\" aria-label=\"Income Input\" aria-hidden=\"true\" hidden=\"\"\n                checked=\"checked\">\n            <div id=\"Income2\" class=\"carousel-item absolute opacity-0 control-1 hidden\">\n\n                <div id=\"incometitle2\" class=\"main-title\">\n                    <div class=\"title pb-6\">\n                        <h3>Hoja de trabajo de ingresos<\/h3>\n                    <\/div>\n                <\/div>\n\n                <div id=\"incomeinput2\">\n                    <div id=\"noExtraIncome2\">\n\n                        <div class=\"form-head\">\n                            <div class=\"row flex\">\n                                <h4 class=\"w-1\/2 font-bold text-16px\">Fuente de ingresos<\/h4>\n                                <h4 class=\"w-1\/2 font-bold text-16px\">Total Mensual<\/h4>\n                            <\/div>\n                        <\/div>\n\n                        <div class=\"form-group\">\n                            <div class=\"row flex\">\n                                <div class=\"w-1\/2\">\n                                    <label for=\"yincome2\">Su salario neto (lo que lleva a casa)<\/label>\n                                <\/div>\n                                <div class=\"w-1\/2\">\n                                    <div class=\"input-group\">\n                                        <div class=\"input-group-prepend\">\n                                            <div class=\"input-group-text\">\n                                                $\n                                            <\/div>\n                                        <\/div>\n                                        <input type=\"number\" id=\"yincome2\" name=\"yincome2\" class=\"form-control\" \/>\n                                    <\/div>\n                                <\/div>\n                            <\/div>\n                        <\/div><!--\/form-group-->\n\n                        <div class=\"form-group\">\n                            <div class=\"row flex\">\n                                <div class=\"w-1\/2\">\n                                    <label for=\"spincome2\">Salario neto de su c\u00f3nyuge<\/label>\n                                <\/div>\n                                <div class=\"w-1\/2\">\n                                    <div class=\"input-group\">\n                                        <div class=\"input-group-prepend\">\n                                            <div class=\"input-group-text\">\n                                                $\n                                            <\/div>\n                                        <\/div>\n                                        <input type=\"number\" id=\"spincome2\" name=\"spincome2\" class=\"form-control\" \/>\n                                    <\/div>\n                                <\/div>\n                            <\/div>\n                        <\/div><!--\/form-group-->\n\n                        <div class=\"form-group\">\n                            <div class=\"row flex\">\n                                <div class=\"w-1\/2\">\n                                    <label for=\"peincome2\">Salarios a tiempo parcial<\/label>\n                                <\/div>\n                                <div class=\"w-1\/2\">\n                                    <div class=\"input-group\">\n                                        <div class=\"input-group-prepend\">\n                                            <div class=\"input-group-text\">\n                                                $\n                                            <\/div>\n                                        <\/div>\n                                        <input type=\"number\" id=\"peincome2\" name=\"peincome2\" class=\"form-control\" \/>\n                                    <\/div>\n                                <\/div>\n                            <\/div>\n                        <\/div><!--\/form-group-->\n\n                        <div class=\"form-group\">\n                            <div class=\"row flex\">\n                                <div class=\"w-1\/2\">\n                                    <label for=\"ssi2\">Pensi\u00f3n alimenticia<\/label>\n                                <\/div>                    \n                                <div class=\"w-1\/2\">\n                                    <div class=\"input-group\">\n                                        <div class=\"input-group-prepend\">\n                                            <div class=\"input-group-text\">\n                                                $\n                                            <\/div>\n                                        <\/div>\n                                        <input type=\"number\" id=\"ssi2\" name=\"ssi2\" class=\"form-control\" \/>\n                                    <\/div>\n                                <\/div>\n                            <\/div>\n                        <\/div><!--\/form-group-->\n\n                        <div class=\"form-group\">\n                            <div class=\"row flex\">\n                                <div class=\"w-1\/2\">\n                                    <label for=\"uincome2\">Manutenci\u00f3n de ni\u00f1os<\/label>\n                                <\/div>\n                                <div class=\"w-1\/2\">\n                                    <div class=\"input-group\">\n                                        <div class=\"input-group-prepend\">\n                                            <div class=\"input-group-text\">\n                                                $\n                                            <\/div>\n                                        <\/div>\n                                        <input type=\"number\" id=\"uincome2\" name=\"uincome2\" class=\"form-control\" \/>\n                                    <\/div>\n                                <\/div>\n                            <\/div>\n                        <\/div><!--\/form-group-->\n\n                        <div class=\"form-group\">\n                            <div class=\"row flex\">\n                                <div class=\"w-1\/2\">\n                                    <label for=\"acincome2\">Beneficios del Seguro Social<\/label>\n                                <\/div>\n                                <div class=\"w-1\/2\">\n                                    <div class=\"input-group\">\n                                        <div class=\"input-group-prepend\">\n                                            <div class=\"input-group-text\">\n                                                $\n                                            <\/div>\n                                        <\/div>\n                                        <input type=\"number\" id=\"acincome2\" name=\"acincome2\" class=\"form-control\" \/>\n                                    <\/div>\n                                <\/div>\n                            <\/div>\n                        <\/div><!--\/form-group-->\n\n                        <div class=\"form-group\">\n                            <div class=\"row flex\">\n                                <div class=\"w-1\/2\">\n                                    <label for=\"rincome2\">Beneficios de veteranos<\/label>\n                                <\/div>\n                                <div class=\"w-1\/2\">\n                                    <div class=\"input-group\">\n                                        <div class=\"input-group-prepend\">\n                                            <div class=\"input-group-text\">\n                                                $\n                                            <\/div>\n                                        <\/div>\n                                        <input type=\"number\" id=\"rincome2\" name=\"rincome2\" class=\"form-control\" \/>\n                                    <\/div>\n                                <\/div>\n                            <\/div>\n                        <\/div><!--\/form-group-->\n\n                    <\/div>\n\n                    <div class=\"extraIncome2\"><\/div>\n\n                <\/div>\n\n\n                <div class=\"form-group addrow\">\n                    <div class=\"row\">\n                        <div class=\"md:w-1\/2\">\n                            <a class=\"font-bold\" id=\"addIncome2\"><u>Agregar<\/u> +<\/a>\n                        <\/div>\n                    <\/div>\n                <\/div><!--\/form-group-->\n\n\n                <div class=\"form-group totaldiv\">\n                    <div class=\"row flex\">\n                        <div class=\"w-1\/2 font-bold\">\n                            <label for=\"totalincome2\">Total ingresos<\/label>\n                        <\/div>\n                        <div class=\"w-1\/2 flex totalcol\">\n                            $ <input type=\"number\" id=\"totalincome2\" name=\"totalincome2\" class=\"form-control\" readonly disabled \/>\n                        <\/div>\n                    <\/div>\n                <\/div><!--\/form-group-->\n            <\/div>\n            <label for=\"carousel-2\" class=\"next control-1 hidden z-100\">\n                <a class=\"btn btn-primary float-right flex items-center\" type=\"button\">Siguiente <svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"16\" height=\"16\" fill=\"currentColor\" class=\"bi bi-chevron-right ml-2\" viewBox=\"0 0 16 16\">\n                        <path fill-rule=\"evenodd\" d=\"M4.646 1.646a.5.5 0 0 1 .708 0l6 6a.5.5 0 0 1 0 .708l-6 6a.5.5 0 0 1-.708-.708L10.293 8 4.646 2.354a.5.5 0 0 1 0-.708z\"\/>\n                    <\/svg>\n                <\/a>\n            <\/label>\n\n            <!--Fixed Expenses Worksheet-->\n            <input class=\"carousel-open\" type=\"radio\" id=\"carousel-2\" name=\"carousel\" aria-label=\"Next\" aria-hidden=\"true\" hidden=\"\">\n            <input class=\"carousel-open\" type=\"radio\" id=\"carousel-2-2\" name=\"carousel\" aria-label=\"Previous\" aria-hidden=\"true\" hidden=\"\">\n            <div id=\"FixedExpenses2\" class=\"carousel-item absolute opacity-0 control-2 hidden\">\n\n                <div id=\"fixedextitle2\" class=\"main-title\">\n                    <div class=\"title pb-6\">\n                        <h3>Hoja de trabajo de gastos fijos<\/h3>\n                    <\/div>\n                <\/div>\n\n                <div id=\"fixedinput2\">\n                    <div id=\"noExtraFixed2\">\n\n\n                        <div class=\"form-head\">\n                            <div class=\"row flex\">\n                                <h4 class=\"w-1\/2 font-bold text-16px\">Gastos Fijos<\/h4>\n                                <h4 class=\"w-1\/2 font-bold text-16px\">Gastos Mensuales<\/h4>\n                            <\/div>\n                        <\/div><!--\/form-head-->\n\n\n                        <div class=\"form-group\">\n                            <div class=\"row flex\">\n                                <div class=\"w-1\/2\">\n                                    <label for=\"fixmort2\">Hipoteca \/ Alquiler<\/label>\n                                <\/div>\n                                <div class=\"w-1\/2\">\n                                    <div class=\"input-group\">\n                                        <div class=\"input-group-prepend\">\n                                            <div class=\"input-group-text\">\n                                                $\n                                            <\/div>\n                                        <\/div>\n                                        <input type=\"number\" id=\"fixmort2\" name=\"fixmort2\" class=\"form-control\" \/>\n                                    <\/div>\n                                <\/div>\n                            <\/div>\n                        <\/div><!--\/form-group-->\n\n                        <div class=\"form-group\">\n                            <div class=\"row flex\">\n                                <div class=\"w-1\/2\">\n                                    <label for=\"fixtaxes2\">Impuestos a la Propiedad \/ Bienes Ra\u00edces (podr\u00eda estar incluido en el pago de hipoteca)<\/label>\n                                <\/div>\n                                <div class=\"w-1\/2\">\n                                    <div class=\"input-group\">\n                                        <div class=\"input-group-prepend\">\n                                            <div class=\"input-group-text\">\n                                                $\n                                            <\/div>\n                                        <\/div>\n                                        <input type=\"number\" id=\"fixtaxes2\" name=\"fixtaxes2\" class=\"form-control\" \/>\n                                    <\/div>\n                                <\/div>\n                            <\/div>\n                        <\/div><!--\/form-group-->\n\n                        <div class=\"form-group\">\n                            <div class=\"row flex\">\n                                <div class=\"w-1\/2\">\n                                    <label for=\"fixhomeins2\">Seguro de propietario (podr\u00eda estar incluido en el pago de hipoteca)<\/label>\n                                <\/div>\n                                <div class=\"w-1\/2\">\n                                    <div class=\"input-group\">\n                                        <div class=\"input-group-prepend\">\n                                            <div class=\"input-group-text\">\n                                                $\n                                            <\/div>\n                                        <\/div>\n                                        <input type=\"number\" id=\"fixhomeins2\" name=\"fixhomeins2\" class=\"form-control\" \/>\n                                    <\/div>\n                                <\/div>\n                            <\/div>\n                        <\/div><!--\/form-group-->\n\n                        <div class=\"form-group\">\n                            <div class=\"row flex\">\n                                <div class=\"w-1\/2\">\n                                    <label for=\"fixhoa2\">Asociaci\u00f3n de Propietarios de Vivienda \/ HOA<\/label>\n                                <\/div>\n                                <div class=\"w-1\/2\">\n                                    <div class=\"input-group\">\n                                        <div class=\"input-group-prepend\">\n                                            <div class=\"input-group-text\">\n                                                $\n                                            <\/div>\n                                        <\/div>\n                                        <input type=\"number\" id=\"fixhoa2\" name=\"fixhoa2\" class=\"form-control\" \/>\n                                    <\/div>\n                                <\/div>\n                            <\/div>\n                        <\/div><!--\/form-group-->\n\n                        <div class=\"form-group\">\n                            <div class=\"row flex\">\n                                <div class=\"w-1\/2\">\n                                    <label for=\"fixauto2\">Pr\u00e9stamos para autom\u00f3viles \/ Pagos de arrendamiento<\/label>\n                                <\/div>\n                                <div class=\"w-1\/2\">\n                                    <div class=\"input-group\">\n                                        <div class=\"input-group-prepend\">\n                                            <div class=\"input-group-text\">\n                                                $\n                                            <\/div>\n                                        <\/div>\n                                        <input type=\"number\" id=\"fixauto2\" name=\"fixauto2\" class=\"form-control\" \/>\n                                    <\/div>\n                                <\/div>\n                            <\/div>\n                        <\/div><!--\/form-group-->\n\n                        <div class=\"form-group\">\n                            <div class=\"row flex\">\n                                <div class=\"w-1\/2\">\n                                    <label for=\"fixcarins2\">Seguro de autom\u00f3vil<\/label>\n                                <\/div>\n                                <div class=\"w-1\/2\">\n                                    <div class=\"input-group\">\n                                        <div class=\"input-group-prepend\">\n                                            <div class=\"input-group-text\">\n                                                $\n                                            <\/div>\n                                        <\/div>\n                                        <input type=\"number\" id=\"fixcarins2\" name=\"fixcarins2\" class=\"form-control\" \/>\n                                    <\/div>\n                                <\/div>\n                            <\/div>\n                        <\/div><!--\/form-group-->\n\n                        <div class=\"form-group\">\n                            <div class=\"row flex\">\n                                <div class=\"w-1\/2\">\n                                    <label for=\"fixstudent2\">Pagos de pr\u00e9stamos estudiantiles<\/label>\n                                <\/div>\n                                <div class=\"w-1\/2\">\n                                    <div class=\"input-group\">\n                                        <div class=\"input-group-prepend\">\n                                            <div class=\"input-group-text\">\n                                                $\n                                            <\/div>\n                                        <\/div>\n                                        <input type=\"number\" id=\"fixstudent2\" name=\"fixstudent2\" class=\"form-control\" \/>\n                                    <\/div>\n                                <\/div>\n                            <\/div>\n                        <\/div><!--\/form-group-->\n\n                        <div class=\"form-group\">\n                            <div class=\"row flex\">\n                                <div class=\"w-1\/2\">\n                                    <label for=\"fixchildsup2\">Pagos de pensi\u00f3n alimenticia \/ manutenci\u00f3n de ni\u00f1os<\/label>\n                                <\/div>\n                                <div class=\"w-1\/2\">\n                                    <div class=\"input-group\">\n                                        <div class=\"input-group-prepend\">\n                                            <div class=\"input-group-text\">\n                                                $\n                                            <\/div>\n                                        <\/div>\n                                        <input type=\"number\" id=\"fixchildsup2\" name=\"fixchildsup2\" class=\"form-control\" \/>\n                                    <\/div>\n                                <\/div>\n                            <\/div>\n                        <\/div><!--\/form-group-->\n\n\n                        <div class=\"form-group\">\n                            <div class=\"row flex\">\n                                <div class=\"w-1\/2\">\n                                    <label for=\"fixmedins2\">Seguro m\u00e9dico<\/label>\n                                <\/div>\n                                <div class=\"w-1\/2\">\n                                    <div class=\"input-group\">\n                                        <div class=\"input-group-prepend\">\n                                            <div class=\"input-group-text\">\n                                                $\n                                            <\/div>\n                                        <\/div>\n                                        <input type=\"number\" id=\"fixmedins2\" name=\"fixmedins2\" class=\"form-control\" \/>\n                                    <\/div>\n                                <\/div>\n                            <\/div>\n                        <\/div><!--\/form-group-->\n\n                        <div class=\"form-group\">\n                            <div class=\"row flex\">\n                                <div class=\"w-1\/2\">\n                                    <label for=\"fixccdebt2\">Tarjeta de cr\u00e9dito \uff031<\/label>\n                                <\/div>\n                                <div class=\"w-1\/2\">\n                                    <div class=\"input-group\">\n                                        <div class=\"input-group-prepend\">\n                                            <div class=\"input-group-text\">\n                                                $\n                                            <\/div>\n                                        <\/div>\n                                        <input type=\"number\" id=\"fixccdebt2\" name=\"fixccdebt2\" class=\"form-control\" \/>\n                                    <\/div>\n                                <\/div>\n                            <\/div>\n                        <\/div><!--\/form-group-->\n\n                        \n                        <div class=\"form-group\">\n                            <div class=\"row flex\">\n                                <div class=\"w-1\/2\">\n                                    <label for=\"fixccdebt3\">Tarjeta de cr\u00e9dito \uff032<\/label>\n                                <\/div>\n                                <div class=\"w-1\/2\">\n                                    <div class=\"input-group\">\n                                        <div class=\"input-group-prepend\">\n                                            <div class=\"input-group-text\">\n                                                $\n                                            <\/div>\n                                        <\/div>\n                                        <input type=\"number\" id=\"fixccdebt3\" name=\"fixccdebt3\" class=\"form-control\" \/>\n                                    <\/div>\n                                <\/div>\n                            <\/div>\n                        <\/div><!--\/form-group-->\n\n                        \n                        <div class=\"form-group\">\n                            <div class=\"row flex\">\n                                <div class=\"w-1\/2\">\n                                    <label for=\"fixccdebt4\">Tarjeta de cr\u00e9dito \uff033<\/label>\n                                <\/div>\n                                <div class=\"w-1\/2\">\n                                    <div class=\"input-group\">\n                                        <div class=\"input-group-prepend\">\n                                            <div class=\"input-group-text\">\n                                                $\n                                            <\/div>\n                                        <\/div>\n                                        <input type=\"number\" id=\"fixccdebt4\" name=\"fixccdebt4\" class=\"form-control\" \/>\n                                    <\/div>\n                                <\/div>\n                            <\/div>\n                        <\/div><!--\/form-group-->\n\n                    <\/div>\n\n                    <div class=\"extraFixed2\"><\/div>\n\n                <\/div>\n\n                <div class=\"form-group addrow\">\n                    <div class=\"row\">\n                        <div class=\"md:w-1\/2\">\n                            <a class=\"font-bold\" id=\"addFixed2\"><u>Agregar<\/u> +<\/a>\n                        <\/div>\n                    <\/div>\n                <\/div>\n\n                <div class=\"form-group totaldiv\">\n                    <div class=\"row flex\">\n                        <div class=\"w-1\/2 font-bold\">\n                            <label for=\"totalfixed2\">Total de Gastos Fijos<\/label>\n                        <\/div>\n                        <div class=\"w-1\/2 flex totalcol\">\n                            $ <input type=\"number\" id=\"totalfixed2\" name=\"totalfixed2\" class=\"form-control\" readonly disabled\/>\n                        <\/div>\n                    <\/div>\n                <\/div>\n            <\/div>\n            <label for=\"carousel-1\" class=\"control-2 hidden\">\n                <a class=\"btn btn-primary float-left flex items-center\" type=\"button\">\n                    <svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"16\" height=\"16\" fill=\"currentColor\" class=\"bi bi-chevron-left mr-2\" viewBox=\"0 0 16 16\">\n                        <path fill-rule=\"evenodd\" d=\"M11.354 1.646a.5.5 0 0 1 0 .708L5.707 8l5.647 5.646a.5.5 0 0 1-.708.708l-6-6a.5.5 0 0 1 0-.708l6-6a.5.5 0 0 1 .708 0z\"\/>\n                    <\/svg> Anterior                <\/a>\n            <\/label>\n            <label for=\"carousel-3\" class=\"next control-2 hidden\">\n                <a class=\"btn btn-primary float-right flex items-center\" type=\"button\">Siguiente <svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"16\" height=\"16\" fill=\"currentColor\" class=\"bi bi-chevron-right ml-2\" viewBox=\"0 0 16 16\">\n                        <path fill-rule=\"evenodd\" d=\"M4.646 1.646a.5.5 0 0 1 .708 0l6 6a.5.5 0 0 1 0 .708l-6 6a.5.5 0 0 1-.708-.708L10.293 8 4.646 2.354a.5.5 0 0 1 0-.708z\"\/>\n                    <\/svg>\n                <\/a>\n            <\/label>\n\n            <!--Flexible Expenses Worksheet-->\n            <input class=\"carousel-open\" type=\"radio\" id=\"carousel-3\" name=\"carousel\" aria-label=\"Next\" aria-hidden=\"true\" hidden=\"\">\n            <input class=\"carousel-open\" type=\"radio\" id=\"carousel-3-3\" name=\"carousel\" aria-label=\"Previous\" aria-hidden=\"true\" hidden=\"\">\n            <div id=\"FlexibleExpenses2\" class=\"carousel-item absolute opacity-0 control-3 hidden\">\n\n                <div id=\"flexextitle2\" class=\"main-title\">\n                    <div class=\"title pb-6\">\n                        <h3>Hoja de trabajo de gastos flexibles<\/h3>\n                    <\/div>\n                <\/div>\n\n                <div id=\"flexedinput2\">\n                    <div id=\"noExtraFlex2\">\n\n                        <div class=\"form-head\">\n                            <div class=\"row flex\">\n                                <h4 class=\"w-1\/2 font-bold text-16px\">Gastos Flexibles<\/h4>\n                                <h4 class=\"w-1\/2 font-bold text-16px\">Gastos Mensuales<\/h4>\n                            <\/div>\n                        <\/div>\n\n\n                        <div class=\"form-group\">\n                            <div class=\"row flex\">\n                                <div class=\"w-1\/2\">\n                                    <label for=\"flexinternet2\">Tel\u00e9fono fijo \/ Internet<\/label>\n                                <\/div>\n                                <div class=\"w-1\/2\">\n                                    <div class=\"input-group\">\n                                        <div class=\"input-group-prepend\">\n                                            <div class=\"input-group-text\">\n                                                $\n                                            <\/div>\n                                        <\/div>\n                                        <input type=\"number\" id=\"flexinternet2\" name=\"flexinternet2\" class=\"form-control\" \/>\n                                    <\/div>\n                                <\/div>\n                            <\/div>\n                        <\/div><!--\/form-group-->\n\n                        <div class=\"form-group\">\n                            <div class=\"row flex\">\n                                <div class=\"w-1\/2\">\n                                    <label for=\"flexelectric2\">Electricidad \/ gas \/ combustible<\/label>\n                                <\/div>\n                                <div class=\"w-1\/2\">\n                                    <div class=\"input-group\">\n                                        <div class=\"input-group-prepend\">\n                                            <div class=\"input-group-text\">\n                                                $\n                                            <\/div>\n                                        <\/div>\n                                        <input type=\"number\" id=\"flexelectric2\" name=\"flexelectric2\" class=\"form-control\" \/>\n                                    <\/div>\n                                <\/div>\n                            <\/div>\n                        <\/div><!--\/form-group-->\n\n                        <div class=\"form-group\">\n                            <div class=\"row flex\">\n                                <div class=\"w-1\/2\">\n                                    <label for=\"flexcable2\">Cable \/ Sat\u00e9lite<\/label>\n                                <\/div>\n                                <div class=\"w-1\/2\">\n                                    <div class=\"input-group\">\n                                        <div class=\"input-group-prepend\">\n                                            <div class=\"input-group-text\">\n                                                $\n                                            <\/div>\n                                        <\/div>\n                                        <input type=\"number\" id=\"flexcable2\" name=\"flexcable2\" class=\"form-control\" \/>\n                                    <\/div>\n                                <\/div>\n                            <\/div>\n                        <\/div><!--\/form-group-->\n\n                        <div class=\"form-group\">\n                            <div class=\"row flex\">\n                                <div class=\"w-1\/2\">\n                                    <label for=\"flexcell2\">Servicio m\u00f3vil \/ celular<\/label>\n                                <\/div>\n                                <div class=\"w-1\/2\">\n                                    <div class=\"input-group\">\n                                        <div class=\"input-group-prepend\">\n                                            <div class=\"input-group-text\">\n                                                $\n                                            <\/div>\n                                        <\/div>\n                                        <input type=\"number\" id=\"flexcell2\" name=\"flexcell2\" class=\"form-control\" \/>\n                                    <\/div>\n                                <\/div>\n                            <\/div>\n                        <\/div><!--\/form-group-->\n\n                        <div class=\"form-group\">\n                            <div class=\"row flex\">\n                                <div class=\"w-1\/2\">\n                                    <label for=\"flexgroceries2\">Alimentos<\/label>\n                                <\/div>\n                                <div class=\"w-1\/2\">\n                                    <div class=\"input-group\">\n                                        <div class=\"input-group-prepend\">\n                                            <div class=\"input-group-text\">\n                                                $\n                                            <\/div>\n                                        <\/div>\n                                        <input type=\"number\" id=\"flexgroceries2\" name=\"flexgroceries2\" class=\"form-control\" \/>\n                                    <\/div>\n                                <\/div>\n                            <\/div>\n                        <\/div><!--\/form-group-->\n\n                        <div class=\"form-group\">\n                            <div class=\"row flex\">\n                                <div class=\"w-1\/2\">\n                                    <label for=\"flexhousesupp2\">Art\u00edculos para el hogar<\/label>\n                                <\/div>\n                                <div class=\"w-1\/2\">\n                                    <div class=\"input-group\">\n                                        <div class=\"input-group-prepend\">\n                                            <div class=\"input-group-text\">\n                                                $\n                                            <\/div>\n                                        <\/div>\n                                        <input type=\"number\" id=\"flexhousesupp2\" name=\"flexhousesupp2\" class=\"form-control\" \/>\n                                    <\/div>\n                                <\/div>\n                            <\/div>\n                        <\/div><!--\/form-group-->\n\n                        <div class=\"form-group\">\n                            <div class=\"row flex\">\n                                <div class=\"w-1\/2\">\n                                    <label for=\"flexschoolsupp2\">Suministros escolares<\/label>\n                                <\/div>\n                                <div class=\"w-1\/2\">\n                                    <div class=\"input-group\">\n                                        <div class=\"input-group-prepend\">\n                                            <div class=\"input-group-text\">\n                                                $\n                                            <\/div>\n                                        <\/div>\n                                        <input type=\"number\" id=\"flexschoolsupp2\" name=\"flexschoolsupp2\" class=\"form-control\" \/>\n                                    <\/div>\n                                <\/div>\n                            <\/div>\n                        <\/div><!--\/form-group-->\n\n                        <div class=\"form-group\">\n                            <div class=\"row flex\">\n                                <div class=\"w-1\/2\">\n                                    <label for=\"flexclothing2\">Ropa<\/label>\n                                <\/div>\n                                <div class=\"w-1\/2\">\n                                    <div class=\"input-group\">\n                                        <div class=\"input-group-prepend\">\n                                            <div class=\"input-group-text\">\n                                                $\n                                            <\/div>\n                                        <\/div>\n                                        <input type=\"number\" id=\"flexclothing2\" name=\"flexclothing2\" class=\"form-control\" \/>\n                                    <\/div>\n                                <\/div>\n                            <\/div>\n                        <\/div><!--\/form-group-->\n\n                        <div class=\"form-group\">\n                            <div class=\"row flex\">\n                                <div class=\"w-1\/2\">\n                                    <label for=\"flexlaundry2\">Servicio de tintorer\u00eda \/ lavander\u00eda<\/label>\n                                <\/div>\n                                <div class=\"w-1\/2\">\n                                    <div class=\"input-group\">\n                                        <div class=\"input-group-prepend\">\n                                            <div class=\"input-group-text\">\n                                                $\n                                            <\/div>\n                                        <\/div>\n                                        <input type=\"number\" id=\"flexlaundry2\" name=\"flexlaundry2\" class=\"form-control\" \/>\n                                    <\/div>\n                                <\/div>\n                            <\/div>\n                        <\/div><!--\/form-group-->\n\n                        <div class=\"form-group\">\n                            <div class=\"row flex\">\n                                <div class=\"w-1\/2\">\n                                    <label for=\"flexpet2\">Costos de cuidado de mascotas<\/label>\n                                <\/div>\n                                <div class=\"w-1\/2\">\n                                    <div class=\"input-group\">\n                                        <div class=\"input-group-prepend\">\n                                            <div class=\"input-group-text\">\n                                                $\n                                            <\/div>\n                                        <\/div>\n                                        <input type=\"number\" id=\"flexpet2\" name=\"flexpet2\" class=\"form-control\" \/>\n                                    <\/div>\n                                <\/div>\n                            <\/div>\n                        <\/div><!--\/form-group-->\n\n                        <div class=\"form-group\">\n                            <div class=\"row flex\">\n                                <div class=\"w-1\/2\">\n                                    <label for=\"flexcargas2\">Gasolina (auto)<\/label>\n                                <\/div>\n                                <div class=\"w-1\/2\">\n                                    <div class=\"input-group\">\n                                        <div class=\"input-group-prepend\">\n                                            <div class=\"input-group-text\">\n                                                $\n                                            <\/div>\n                                        <\/div>\n                                        <input type=\"number\" id=\"flexcargas2\" name=\"flexcargas2\" class=\"form-control\" \/>\n                                    <\/div>\n                                <\/div>\n                            <\/div>\n                        <\/div><!--\/form-group-->\n\n                        <div class=\"form-group\">\n                            <div class=\"row flex\">\n                                <div class=\"w-1\/2\">\n                                    <label for=\"flextolls2\">Transporte (peajes\/estacionamiento)<\/label>\n                                <\/div>\n                                <div class=\"w-1\/2\">\n                                    <div class=\"input-group\">\n                                        <div class=\"input-group-prepend\">\n                                            <div class=\"input-group-text\">\n                                                $\n                                            <\/div>\n                                        <\/div>\n                                        <input type=\"number\" id=\"flextolls2\" name=\"flextolls2\" class=\"form-control\" \/>\n                                    <\/div>\n                                <\/div>\n                            <\/div>\n                        <\/div><!--\/form-group-->\n\n                    <\/div>\n\n                    <div class=\"extraFlexibles2\"><\/div>\n\n                <\/div>\n\n                <div class=\"form-group noprint addrow\">\n                    <div class=\"row\">\n                        <div class=\"md:w-1\/2\">\n                            <a class=\"font-bold\" id=\"addFlexible2\"><u>Agregar<\/u> +<\/a>\n                        <\/div>\n                    <\/div>\n                <\/div>\n\n                <div class=\"form-group totaldiv\">\n                    <div class=\"row flex\">\n                        <div class=\"w-1\/2 font-bold\">\n                            <label for=\"totalflexed2\">Total de Gastos Flexibles<\/label>\n                        <\/div>\n                        <div class=\"w-1\/2 flex totalcol\">\n                            $ <input type=\"number\" id=\"totalflexed2\" name=\"totalflexed2\" class=\"form-control\" readonly disabled \/>\n                        <\/div>\n                    <\/div>\n                <\/div>\n            <\/div>\n            <label for=\"carousel-2-2\" class=\"control-3 hidden\">\n                <a class=\"btn btn-primary float-left flex items-center\" type=\"button\">\n                    <svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"16\" height=\"16\" fill=\"currentColor\" class=\"bi bi-chevron-left mr-2\" viewBox=\"0 0 16 16\">\n                        <path fill-rule=\"evenodd\" d=\"M11.354 1.646a.5.5 0 0 1 0 .708L5.707 8l5.647 5.646a.5.5 0 0 1-.708.708l-6-6a.5.5 0 0 1 0-.708l6-6a.5.5 0 0 1 .708 0z\"\/>\n                    <\/svg> Anterior                <\/a>\n            <\/label>\n            <label for=\"carousel-4\" class=\"next control-3 hidden\">\n                <a class=\"btn btn-primary float-right flex items-center\" type=\"button\">Siguiente <svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"16\" height=\"16\" fill=\"currentColor\" class=\"bi bi-chevron-right ml-2\" viewBox=\"0 0 16 16\">\n                        <path fill-rule=\"evenodd\" d=\"M4.646 1.646a.5.5 0 0 1 .708 0l6 6a.5.5 0 0 1 0 .708l-6 6a.5.5 0 0 1-.708-.708L10.293 8 4.646 2.354a.5.5 0 0 1 0-.708z\"\/>\n                    <\/svg>\n                <\/a>\n            <\/label>\n\n\n            <!--Discretionary Expenses Worksheet-->\n            <input class=\"carousel-open\" type=\"radio\" id=\"carousel-4\" name=\"carousel\" aria-label=\"Next\" aria-hidden=\"true\" hidden=\"\">\n            <input class=\"carousel-open\" type=\"radio\" id=\"carousel-4-4\" name=\"carousel\" aria-label=\"Previous\" aria-hidden=\"true\" hidden=\"\">\n            <div id=\"DiscretionaryExpenses2\" class=\"carousel-item absolute opacity-0 control-4 hidden\">\n\n                <div id=\"discreexxtitle2\" class=\"main-title\">\n                    <div class=\"title pb-6\">\n                        <h3>Hoja de trabajo de gastos discrecionales<\/h3>\n                    <\/div>\n                <\/div>\n\n                <div id=\"discreinput2\">\n                    <div id=\"noExtraDis2\">\n\n                        <div class=\"form-head\">\n                            <div class=\"row flex\">\n                                <h4 class=\"w-1\/2 font-bold text-16px\">Gastos discrecionales o no esenciales<\/h4>\n                                <h4 class=\"w-1\/2 font-bold text-16px\">Gastos Mensuales<\/h4>\n                            <\/div>\n                        <\/div>\n\n\n                        <div class=\"form-group\">\n                            <div class=\"row flex\">\n                                <div class=\"w-1\/2\">\n                                    <label for=\"disenter2\">Cine \/ Teatro<\/label>\n                                <\/div>\n                                <div class=\"w-1\/2\">\n                                    <div class=\"input-group\">\n                                        <div class=\"input-group-prepend\">\n                                            <div class=\"input-group-text\">\n                                                $\n                                            <\/div>\n                                        <\/div>\n                                        <input type=\"number\" id=\"disenter2\" name=\"disenter2\" class=\"form-control\" \/>\n                                    <\/div>\n                                <\/div>\n                            <\/div>\n                        <\/div><!--\/form-group-->\n\n                        <div class=\"form-group\">\n                            <div class=\"row flex\">\n                                <div class=\"w-1\/2\">\n                                    <label for=\"disdining2\">Cenas afuera<\/label>\n                                <\/div>\n                                <div class=\"w-1\/2\">\n                                    <div class=\"input-group\">\n                                        <div class=\"input-group-prepend\">\n                                            <div class=\"input-group-text\">\n                                                $\n                                            <\/div>\n                                        <\/div>\n                                        <input type=\"number\" id=\"disdining2\" name=\"disdining2\" class=\"form-control\" \/>\n                                    <\/div>\n                                <\/div>\n                            <\/div>\n                        <\/div><!--\/form-group-->\n\n                        <div class=\"form-group\">\n                            <div class=\"row flex\">\n                                <div class=\"w-1\/2\">\n                                    <label for=\"dissports2\">Eventos deportivos \/ Conciertos<\/label>\n                                <\/div>\n                                <div class=\"w-1\/2\">\n                                    <div class=\"input-group\">\n                                        <div class=\"input-group-prepend\">\n                                            <div class=\"input-group-text\">\n                                                $\n                                            <\/div>\n                                        <\/div>\n                                        <input type=\"number\" id=\"dissports2\" name=\"dissports2\" class=\"form-control\" \/>\n                                    <\/div>\n                                <\/div>\n                            <\/div>\n                        <\/div><!--\/form-group-->\n\n\n                        <div class=\"form-group\">\n                            <div class=\"row flex\">\n                                <div class=\"w-1\/2\">\n                                    <label for=\"disrecr2\">Recreaci\u00f3n<\/label>\n                                <\/div>\n                                <div class=\"w-1\/2\">\n                                    <div class=\"input-group\">\n                                        <div class=\"input-group-prepend\">\n                                            <div class=\"input-group-text\">\n                                                $\n                                            <\/div>\n                                        <\/div>\n                                        <input type=\"number\" id=\"disrecr2\" name=\"disrecr2\" class=\"form-control\" \/>\n                                    <\/div>\n                                <\/div>\n                            <\/div>\n                        <\/div><!--\/form-group-->\n\n                        <div class=\"form-group\">\n                            <div class=\"row flex\">\n                                <div class=\"w-1\/2\">\n                                    <label for=\"dishobbies2\">Pasatiempos<\/label>\n                                <\/div>\n                                <div class=\"w-1\/2\">\n                                    <div class=\"input-group\">\n                                        <div class=\"input-group-prepend\">\n                                            <div class=\"input-group-text\">\n                                                $\n                                            <\/div>\n                                        <\/div>\n                                        <input type=\"number\" id=\"dishobbies2\" name=\"dishobbies2\" class=\"form-control\" \/>\n                                    <\/div>\n                                <\/div>\n                            <\/div>\n                        <\/div><!--\/form-group-->\n\n                        <div class=\"form-group\">\n                            <div class=\"row flex\">\n                                <div class=\"w-1\/2\">\n                                    <label for=\"disstream2\">Streaming (m\u00fasica \/ pel\u00edculas \/ videojuegos)<\/label>\n                                <\/div>\n                                <div class=\"w-1\/2\">\n                                    <div class=\"input-group\">\n                                        <div class=\"input-group-prepend\">\n                                            <div class=\"input-group-text\">\n                                                $\n                                            <\/div>\n                                        <\/div>\n                                        <input type=\"number\" id=\"disstream2\" name=\"disstream2\" class=\"form-control\" \/>\n                                    <\/div>\n                                <\/div>\n                            <\/div>\n                        <\/div><!--\/form-group-->\n\n                        <div class=\"form-group\">\n                            <div class=\"row flex\">\n                                <div class=\"w-1\/2\">\n                                    <label for=\"disbooks2\">Suscripciones (revistas \/ peri\u00f3dicos)<\/label>\n                                <\/div>\n                                <div class=\"w-1\/2\">\n                                    <div class=\"input-group\">\n                                        <div class=\"input-group-prepend\">\n                                            <div class=\"input-group-text\">\n                                                $\n                                            <\/div>\n                                        <\/div>\n                                        <input type=\"number\" id=\"disbooks2\" name=\"disbooks2\" class=\"form-control\" \/>\n                                    <\/div>\n                                <\/div>\n                            <\/div>\n                        <\/div><!--\/form-group-->\n\n                        <div class=\"form-group\">\n                            <div class=\"row flex\">\n                                <div class=\"w-1\/2\">\n                                    <label for=\"dishair2\">Barber\u00eda \/ Sal\u00f3n de belleza<\/label>\n                                <\/div>\n                                <div class=\"w-1\/2\">\n                                    <div class=\"input-group\">\n                                        <div class=\"input-group-prepend\">\n                                            <div class=\"input-group-text\">\n                                                $\n                                            <\/div>\n                                        <\/div>\n                                        <input type=\"number\" id=\"dishair2\" name=\"dishair2\" class=\"form-control\" \/>\n                                    <\/div>\n                                <\/div>\n                            <\/div>\n                        <\/div><!--\/form-group-->\n\n                        <div class=\"form-group\">\n                            <div class=\"row flex\">\n                                <div class=\"w-1\/2\">\n                                    <label for=\"disdonate2\">Donaciones \/ Recaudaci\u00f3n de fondos<\/label>\n                                <\/div>\n                                <div class=\"w-1\/2\">\n                                    <div class=\"input-group\">\n                                        <div class=\"input-group-prepend\">\n                                            <div class=\"input-group-text\">\n                                                $\n                                            <\/div>\n                                        <\/div>\n                                        <input type=\"number\" id=\"disdonate2\" name=\"disdonate2\" class=\"form-control\" \/>\n                                    <\/div>\n                                <\/div>\n                            <\/div>\n                        <\/div><!--\/form-group-->\n\n                    <\/div>\n\n                    <div class=\"extraDiscretionary2\"><\/div>\n                <\/div>\n\n                <div class=\"form-group noprint addrow\">\n                    <div class=\"row\">\n                        <div class=\"md:w-1\/2\">\n                            <a class=\"font-bold\" id=\"addDiscretionary2\"><u>Agregar<\/u> +<\/a>\n                        <\/div>\n                    <\/div>\n                <\/div>\n\n\n                <div class=\"form-group totaldiv\">\n                    <div class=\"row flex\">\n                        <div class=\"w-1\/2 font-bold\">\n                            <label for=\"totaldiscretionary2\">Total de gastos discrecionales<\/label>\n                        <\/div>\n                        <div class=\"w-1\/2 flex totalcol\">\n                            $ <input type=\"number\" id=\"totaldiscretionary2\" name=\"totaldiscretionary2\" class=\"form-control\" readonly disabled \/>\n                        <\/div>\n                    <\/div>\n                <\/div>\n            <\/div>\n            <label for=\"carousel-3-3\" class=\"control-4 hidden\">\n                <a class=\"btn btn-primary float-left flex items-center\" type=\"button\">\n                    <svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"16\" height=\"16\" fill=\"currentColor\" class=\"bi bi-chevron-left mr-2\" viewBox=\"0 0 16 16\">\n                        <path fill-rule=\"evenodd\" d=\"M11.354 1.646a.5.5 0 0 1 0 .708L5.707 8l5.647 5.646a.5.5 0 0 1-.708.708l-6-6a.5.5 0 0 1 0-.708l6-6a.5.5 0 0 1 .708 0z\"\/>\n                    <\/svg> Anterior                <\/a>\n            <\/label>\n            <label for=\"carousel-5\" class=\"control-4 hidden\">\n                <a class=\"btn btn-primary float-right\" type=\"button\" id=\"confirmpageBudAnal\" name=\"confirmpageBudAnal\">Enviar<\/a>\n            <\/label>\n            \n            <!--Results-->\n            <input class=\"carousel-open\" type=\"radio\" id=\"carousel-5\" name=\"carousel\" aria-label=\"Submit\" aria-hidden=\"true\" hidden=\"\">\n            <!--Start Print-->\n            <div id=\"resultlog2\" class=\"carousel-item opacity-0 control-5 hidden w-full\">\n                <div style=\"background:white;width:100%;\">\n                    <div id=\"containercharts\" ref=\"chart\" style=\"max-width:600px; margin: auto;\"><\/div>\n                <\/div>\n                &nbsp;\n                &nbsp;\n                <div id=\"clientlog2\">\n                    <div id=\"incomeprint2\">\n                        <h3>Hoja de trabajo de ingresos<\/h3>\n                        <div class=\"table-settings\">\n                            <div class=\"form-head\">\n                                <div class=\"row\">\n                                    <div class=\"leftouter\"><h4>Fuente de ingresos<\/h4><\/div>\n                                    <div class=\"rightouter\"><h4>Total Mensual<\/h4><\/div>\n                                <\/div>\n                            <\/div>\n\n                            <div class=\"row\">\n                                <div class=\"leftouter \">\n                                    <div class=\"leftinnerlabel \">\n                                        <label class=\"wording\" for=\"yourincome\">Su salario neto (lo que lleva a casa)<\/label>\n                                    <\/div>\n                                <\/div>\n                                <div class=\"rightouter \">\n                                    <div class=\"rightinnerolabel\">\n                                        <span class=\"dollarsign\">$ <\/span>\n                                        <input type=\"number\" class=\"printincome2\" id=\"yourincome\" \/>\n                                    <\/div>\n                                <\/div>\n                            <\/div>\n                            <div class=\"row\">\n                                <div class=\"leftouter \">\n                                    <div class=\"leftinnerlabel \">\n                                        <label class=\"wording\" for=\"spouseincome\">Salario neto de su c\u00f3nyuge<\/label>\n                                    <\/div>\n                                <\/div>\n                                <div class=\"rightouter \">\n                                    <div class=\"rightinnerolabel\">\n                                        <span class=\"dollarsign\">$ <\/span>\n                                        <input type=\"number\" class=\"printincome2\" id=\"spouseincome\" \/>\n                                    <\/div>\n                                <\/div>\n                            <\/div>\n                            <div class=\"row\">\n                                <div class=\"leftouter \">\n                                    <div class=\"leftinnerlabel \">\n                                        <label class=\"wording\" for=\"pensionincome\">Salarios a tiempo parcial<\/label>\n                                    <\/div>\n                                <\/div>\n                                <div class=\"rightouter \">\n                                    <div class=\"rightinnerolabel\">\n                                        <span class=\"dollarsign\">$ <\/span>\n                                        <input type=\"number\" class=\"printincome2\" id=\"pensionincome\" \/>\n                                    <\/div>\n                                <\/div>\n                            <\/div>\n                            <div class=\"row\">\n                                <div class=\"leftouter \">\n                                    <div class=\"leftinnerlabel \">\n                                        <label class=\"wording\" for=\"ssincome\">Pensi\u00f3n alimenticia<\/label>\n                                    <\/div>\n                                <\/div>\n                                <div class=\"rightouter \">\n                                    <div class=\"rightinnerolabel\">\n                                        <span class=\"dollarsign\">$ <\/span>\n                                        <input type=\"number\" class=\"printincome2\" id=\"ssincome\" \/>\n                                    <\/div>\n                                <\/div>\n                            <\/div>\n                            <div class=\"row\">\n                                <div class=\"leftouter \">\n                                    <div class=\"leftinnerlabel \">\n                                        <label class=\"wording\" for=\"unemployincome\">Manutenci\u00f3n de ni\u00f1os<\/label>\n                                    <\/div>\n                                <\/div>\n                                <div class=\"rightouter \">\n                                    <div class=\"rightinnerolabel\">\n                                        <span class=\"dollarsign\">$ <\/span>\n                                        <input type=\"number\" class=\"printincome2\" id=\"unemployincome\" \/>\n                                    <\/div>\n                                <\/div>\n                            <\/div>\n                            <div class=\"row\">\n                                <div class=\"leftouter \">\n                                    <div class=\"leftinnerlabel \">\n                                        <label class=\"wording\" for=\"alimonyincome\">Beneficios del Seguro Social<\/label>\n                                    <\/div>\n                                <\/div>\n                                <div class=\"rightouter \">\n                                    <div class=\"rightinnerolabel\">\n                                        <span class=\"dollarsign\">$ <\/span>\n                                        <input type=\"number\" class=\"printincome2\" id=\"alimonyincome\" \/>\n                                    <\/div>\n                                <\/div>\n                            <\/div>\n                            <div class=\"row\">\n                                <div class=\"leftouter \">\n                                    <div class=\"leftinnerlabel \">\n                                        <label class=\"wording\" for=\"rentincome\">Beneficios de veteranos<\/label>\n                                    <\/div>\n                                <\/div>\n                                <div class=\"rightouter \">\n                                    <div class=\"rightinnerolabel\">\n                                        <span class=\"dollarsign\">$ <\/span>\n                                        <input type=\"number\" class=\"printincome2\" id=\"rentincome\" \/>\n                                    <\/div>\n                                <\/div>\n                            <\/div>\n                            <div class=\"row\">\n                                <div class=\"leftouter \">\n                                    <div class=\"leftinnerlabel \">\n                                        <label class=\"wording\" for=\"otherincome\">Otro<\/label>\n                                    <\/div>\n                                <\/div>\n                                <div class=\"rightouter \">\n                                    <div class=\"rightinnerolabel\">\n                                        <span class=\"dollarsign\">$ <\/span>\n                                        <input type=\"number\" class=\"printincome2\" id=\"otherincome\" \/>\n                                    <\/div>\n                                <\/div>\n                            <\/div>\n                            <div class=\"row flex\">\n                                <div class=\"leftouter \">\n                                    <div class=\"leftinnerlabel \">\n                                        <label class=\"wording total\" for=\"totincome\">Total ingresos<\/label>\n                                    <\/div>\n                                <\/div>\n                                <div class=\"rightouter \">\n                                    <div class=\"rightinnerolabel\">\n                                        <span class=\"dollarsign\">$ <\/span>\n                                        <input type=\"number\" class=\"printincome2\" id=\"totincome\" \/>\n                                    <\/div>\n                                <\/div>\n                            <\/div>\n                        <\/div>\n                    <\/div>\n                    &nbsp;\n                    <div id=\"fixedprint2\">\n                        <h3>Hoja de trabajo de gastos fijos<\/h3>\n                        <div class=\"table-settings\">\n                            <div class=\"form-head\">\n                                <div class=\"row\">\n                                    <div class=\"leftouter\"><h4>Gastos Fijos<\/h4><\/div>\n                                    <div class=\"rightouter\"><h4>Gastos Mensuales<\/h4><\/div>\n                                <\/div>\n                            <\/div>\n\n                            <div class=\"row\">\n                                <div class=\"leftouter \">\n                                    <div class=\"leftinnerlabel \">\n                                        <label class=\"wording\" for=\"mortgagerent\">Hipoteca \/ Alquiler<\/label>\n                                    <\/div>\n                                <\/div>\n                                <div class=\"rightouter \">\n                                    <div class=\"rightinnerolabel\">\n                                        <span class=\"dollarsign\">$ <\/span>\n                                        <input type=\"number\" class=\"printfixed2\" id=\"mortgagerent\" \/>\n                                    <\/div>\n                                <\/div>\n                            <\/div>\n                            <div class=\"row\">\n                                <div class=\"leftouter \">\n                                    <div class=\"leftinnerlabel \">\n                                        <label class=\"wording\" for=\"housetaxes\">Impuestos a la Propiedad \/ Bienes Ra\u00edces (podr\u00eda estar incluido en el pago de hipoteca)<\/label>\n                                    <\/div>\n                                <\/div>\n                                <div class=\"rightouter \">\n                                    <div class=\"rightinnerolabel\">\n                                        <span class=\"dollarsign\">$ <\/span>\n                                        <input type=\"number\" class=\"printfixed2\" id=\"housetaxes\" \/>\n                                    <\/div>\n                                <\/div>\n                            <\/div>\n                            <div class=\"row\">\n                                <div class=\"leftouter \">\n                                    <div class=\"leftinnerlabel \">\n                                        <label class=\"wording\" for=\"insurance\">Seguro de propietario (podr\u00eda estar incluido en el pago de hipoteca)<\/label>\n                                    <\/div>\n                                <\/div>\n                                <div class=\"rightouter \">\n                                    <div class=\"rightinnerolabel\">\n                                        <span class=\"dollarsign\">$ <\/span>\n                                        <input type=\"number\" class=\"printfixed2\" id=\"insurance\" \/>\n                                    <\/div>\n                                <\/div>\n                            <\/div>\n                            <div class=\"row\">\n                                <div class=\"leftouter \">\n                                    <div class=\"leftinnerlabel \">\n                                        <label class=\"wording\" for=\"hoa\">Asociaci\u00f3n de Propietarios de Vivienda \/ HOA<\/label>\n                                    <\/div>\n                                <\/div>\n                                <div class=\"rightouter \">\n                                    <div class=\"rightinnerolabel\">\n                                        <span class=\"dollarsign\">$ <\/span>\n                                        <input type=\"number\" class=\"printfixed2\" id=\"hoa\" \/>\n                                    <\/div>\n                                <\/div>\n                            <\/div>\n                            <div class=\"row\">\n                                <div class=\"leftouter \">\n                                    <div class=\"leftinnerlabel \">\n                                        <label class=\"wording\" for=\"autoloan\">Pr\u00e9stamos para autom\u00f3viles \/ Pagos de arrendamiento<\/label>\n                                    <\/div>\n                                <\/div>\n                                <div class=\"rightouter \">\n                                    <div class=\"rightinnerolabel\">\n                                        <span class=\"dollarsign\">$ <\/span>\n                                        <input type=\"number\" class=\"printfixed2\" id=\"autoloan\" \/>\n                                    <\/div>\n                                <\/div>\n                            <\/div>\n                            <div class=\"row\">\n                                <div class=\"leftouter \">\n                                    <div class=\"leftinnerlabel \">\n                                        <label class=\"wording\" for=\"carins\">Seguro de autom\u00f3vil<\/label>\n                                    <\/div>\n                                <\/div>\n                                <div class=\"rightouter \">\n                                    <div class=\"rightinnerolabel\">\n                                        <span class=\"dollarsign\">$ <\/span>\n                                        <input type=\"number\" class=\"printfixed2\" id=\"carins\" \/>\n                                    <\/div>\n                                <\/div>\n                            <\/div>\n                            <div class=\"row\">\n                                <div class=\"leftouter \">\n                                    <div class=\"leftinnerlabel \">\n                                        <label class=\"wording\" for=\"studentloan\">Pagos de pr\u00e9stamos estudiantiles<\/label>\n                                    <\/div>\n                                <\/div>\n                                <div class=\"rightouter \">\n                                    <div class=\"rightinnerolabel\">\n                                        <span class=\"dollarsign\">$ <\/span>\n                                        <input type=\"number\" class=\"printfixed2\" id=\"studentloan\" \/>\n                                    <\/div>\n                                <\/div>\n                            <\/div>\n                            <div class=\"row\">\n                                <div class=\"leftouter \">\n                                    <div class=\"leftinnerlabel \">\n                                        <label class=\"wording\" for=\"childsupp\">Pagos de pensi\u00f3n alimenticia \/ manutenci\u00f3n de ni\u00f1os<\/label>\n                                    <\/div>\n                                <\/div>\n                                <div class=\"rightouter \">\n                                    <div class=\"rightinnerolabel\">\n                                        <span class=\"dollarsign\">$ <\/span>\n                                        <input type=\"number\" class=\"printfixed2\" id=\"childsupp\" \/>\n                                    <\/div>\n                                <\/div>\n                            <\/div>\n                            <div class=\"row\">\n                                <div class=\"leftouter \">\n                                    <div class=\"leftinnerlabel \">\n                                        <label class=\"wording\" for=\"medins\">Seguro m\u00e9dico<\/label>\n                                    <\/div>\n                                <\/div>\n                                <div class=\"rightouter \">\n                                    <div class=\"rightinnerolabel\">\n                                        <span class=\"dollarsign\">$ <\/span>\n                                        <input type=\"number\" class=\"printfixed2\" id=\"medins\" \/>\n                                    <\/div>\n                                <\/div>\n                            <\/div>\n                            <div class=\"row\">\n                                <div class=\"leftouter \">\n                                    <div class=\"leftinnerlabel \">\n                                        <label class=\"wording\" for=\"credebt\">Tarjeta de cr\u00e9dito #1<\/label>\n                                    <\/div>\n                                <\/div>\n                                <div class=\"rightouter \">\n                                    <div class=\"rightinnerolabel\">\n                                        <span class=\"dollarsign\">$ <\/span>\n                                        <input type=\"number\" class=\"printfixed2\" id=\"credebt\" \/>\n                                    <\/div>\n                                <\/div>\n                            <\/div>\n                            <div class=\"row\">\n                                <div class=\"leftouter \">\n                                    <div class=\"leftinnerlabel \">\n                                        <label class=\"wording\" for=\"credebt2\">Tarjeta de cr\u00e9dito #2<\/label>\n                                    <\/div>\n                                <\/div>\n                                <div class=\"rightouter \">\n                                    <div class=\"rightinnerolabel\">\n                                        <span class=\"dollarsign\">$ <\/span>\n                                        <input type=\"number\" class=\"printfixed2\" id=\"credebt2\" \/>\n                                    <\/div>\n                                <\/div>\n                            <\/div>\n                            <div class=\"row\">\n                                <div class=\"leftouter \">\n                                    <div class=\"leftinnerlabel \">\n                                        <label class=\"wording\" for=\"credebt3\">Tarjeta de cr\u00e9dito #3<\/label>\n                                    <\/div>\n                                <\/div>\n                                <div class=\"rightouter \">\n                                    <div class=\"rightinnerolabel\">\n                                        <span class=\"dollarsign\">$ <\/span>\n                                        <input type=\"number\" class=\"printfixed2\" id=\"credebt3\" \/>\n                                    <\/div>\n                                <\/div>\n                            <\/div>\n                            <div class=\"row\">\n                                <div class=\"leftouter \">\n                                    <div class=\"leftinnerlabel \">\n                                        <label class=\"wording\" for=\"otherfixedex\">Otro<\/label>\n                                    <\/div>\n                                <\/div>\n                                <div class=\"rightouter \">\n                                    <div class=\"rightinnerolabel\">\n                                        <span class=\"dollarsign\">$ <\/span>\n                                        <input type=\"number\" class=\"printfixed2\" id=\"otherfixedex\" \/>\n                                    <\/div>\n                                <\/div>\n                            <\/div>\n                            <div class=\"row\">\n                                <div class=\"leftouter \">\n                                    <div class=\"leftinnerlabel \">\n                                        <label class=\"wording total\" for=\"totfixedex\">Total de Gastos Fijos<\/label>\n                                    <\/div>\n                                <\/div>\n                                <div class=\"rightouter \">\n                                    <div class=\"rightinnerolabel\">\n                                        <span class=\"dollarsign\">$ <\/span>\n                                        <input type=\"number\" class=\"printfixed2\" id=\"totfixedex\" \/>\n                                    <\/div>\n                                <\/div>\n                            <\/div>\n                        <\/div>\n                    <\/div>\n                    &nbsp;\n                    <div id=\"flexprint2\">  \n                        <h3>Hoja de trabajo de gastos flexibles<\/h3>\n                        <div class=\"table-settings\">\n                            <div class=\"form-head\">\n                                <div class=\"row\">\n                                    <div class=\"leftouter\"><h4>Gastos Flexibles<\/h4><\/div>\n                                    <div class=\"rightouter\"><h4>Gastos Mensuales<\/h4><\/div>\n                                <\/div>\n                            <\/div>\n\n                            <div class=\"row\">\n                                <div class=\"leftouter \">\n                                    <div class=\"leftinnerlabel \">\n                                        <label class=\"wording\" for=\"homeinternet\">Tel\u00e9fono fijo \/ Internet<\/label>\n                                    <\/div>\n                                <\/div>\n                                <div class=\"rightouter \">\n                                    <div class=\"rightinnerolabel\">\n                                        <span class=\"dollarsign\">$ <\/span>\n                                        <input type=\"number\" class=\"printflex2\" id=\"homeinternet\" \/>\n                                    <\/div>\n                                <\/div>\n                            <\/div>\n                            <div class=\"row\">\n                                <div class=\"leftouter \">\n                                    <div class=\"leftinnerlabel \">\n                                        <label class=\"wording\" for=\"housegas\">Electricidad \/ gas \/ combustible<\/label>\n                                    <\/div>\n                                <\/div>\n                                <div class=\"rightouter \">\n                                    <div class=\"rightinnerolabel\">\n                                        <span class=\"dollarsign\">$ <\/span>\n                                        <input type=\"number\" class=\"printflex2\" id=\"housegas\" \/>\n                                    <\/div>\n                                <\/div>\n                            <\/div>\n                            <div class=\"row\">\n                                <div class=\"leftouter \">\n                                    <div class=\"leftinnerlabel \">\n                                        <label class=\"wording\" for=\"cablesat\">Cable \/ Sat\u00e9lite<\/label>\n                                    <\/div>\n                                <\/div>\n                                <div class=\"rightouter \">\n                                    <div class=\"rightinnerolabel\">\n                                        <span class=\"dollarsign\">$ <\/span>\n                                        <input type=\"number\" class=\"printflex2\" id=\"cablesat\" \/>\n                                    <\/div>\n                                <\/div>\n                            <\/div>\n                            <div class=\"row\">\n                                <div class=\"leftouter \">\n                                    <div class=\"leftinnerlabel \">\n                                        <label class=\"wording\" for=\"cellserv\">Servicio m\u00f3vil \/ celular<\/label>\n                                    <\/div>\n                                <\/div>\n                                <div class=\"rightouter \">\n                                    <div class=\"rightinnerolabel\">\n                                        <span class=\"dollarsign\">$ <\/span>\n                                        <input type=\"number\" class=\"printflex2\" id=\"cellserv\" \/>\n                                    <\/div>\n                                <\/div>\n                            <\/div>\n                            <div class=\"row\">\n                                <div class=\"leftouter \">\n                                    <div class=\"leftinnerlabel \">\n                                        <label class=\"wording\" for=\"groc\">Alimentos<\/label>\n                                    <\/div>\n                                <\/div>\n                                <div class=\"rightouter \">\n                                    <div class=\"rightinnerolabel\">\n                                        <span class=\"dollarsign\">$ <\/span>\n                                        <input type=\"number\" class=\"printflex2\" id=\"groc\" \/>\n                                    <\/div>\n                                <\/div>\n                            <\/div>\n                            <div class=\"row\">\n                                <div class=\"leftouter \">\n                                    <div class=\"leftinnerlabel \">\n                                        <label class=\"wording\" for=\"housesuppl\">Art\u00edculos para el hogar<\/label>\n                                    <\/div>\n                                <\/div>\n                                <div class=\"rightouter \">\n                                    <div class=\"rightinnerolabel\">\n                                        <span class=\"dollarsign\">$ <\/span>\n                                        <input type=\"number\" class=\"printflex2\" id=\"housesuppl\" \/>\n                                    <\/div>\n                                <\/div>\n                            <\/div>\n                            <div class=\"row\">\n                                <div class=\"leftouter \">\n                                    <div class=\"leftinnerlabel \">\n                                        <label class=\"wording\" for=\"schoolsuppl\">Suministros escolares<\/label>\n                                    <\/div>\n                                <\/div>\n                                <div class=\"rightouter \">\n                                    <div class=\"rightinnerolabel\">\n                                        <span class=\"dollarsign\">$ <\/span>\n                                        <input type=\"number\" class=\"printflex2\" id=\"schoolsuppl\" \/>\n                                    <\/div>\n                                <\/div>\n                            <\/div>\n                            <div class=\"row\">\n                                <div class=\"leftouter \">\n                                    <div class=\"leftinnerlabel \">\n                                        <label class=\"wording\" for=\"clothing\">Ropa<\/label>\n                                    <\/div>\n                                <\/div>\n                                <div class=\"rightouter \">\n                                    <div class=\"rightinnerolabel\">\n                                        <span class=\"dollarsign\">$ <\/span>\n                                        <input type=\"number\" class=\"printflex2\" id=\"clothing\" \/>\n                                    <\/div>\n                                <\/div>\n                            <\/div>\n                            <div class=\"row\">\n                                <div class=\"leftouter \">\n                                    <div class=\"leftinnerlabel \">\n                                        <label class=\"wording\" for=\"laundry\">Servicio de tintorer\u00eda \/ lavander\u00eda<\/label>\n                                    <\/div>\n                                <\/div>\n                                <div class=\"rightouter \">\n                                    <div class=\"rightinnerolabel\">\n                                        <span class=\"dollarsign\">$ <\/span>\n                                        <input type=\"number\" class=\"printflex2\" id=\"laundry\" \/>\n                                    <\/div>\n                                <\/div>\n                            <\/div>\n                            <div class=\"row\">\n                                <div class=\"leftouter \">\n                                    <div class=\"leftinnerlabel \">\n                                        <label class=\"wording\" for=\"petcare\">Costos de cuidado de mascotas<\/label>\n                                    <\/div>\n                                <\/div>\n                                <div class=\"rightouter \">\n                                    <div class=\"rightinnerolabel\">\n                                        <span class=\"dollarsign\">$ <\/span>\n                                        <input type=\"number\" class=\"printflex2\" id=\"petcare\" \/>\n                                    <\/div>\n                                <\/div>\n                            <\/div>\n                            <div class=\"row\">\n                                <div class=\"leftouter \">\n                                    <div class=\"leftinnerlabel \">\n                                        <label class=\"wording\" for=\"cargas\">Gasolina (auto)<\/label>\n                                    <\/div>\n                                <\/div>\n                                <div class=\"rightouter \">\n                                    <div class=\"rightinnerolabel\">\n                                        <span class=\"dollarsign\">$ <\/span>\n                                        <input type=\"number\" class=\"printflex2\" id=\"cargas\" \/>\n                                    <\/div>\n                                <\/div>\n                            <\/div>\n                            <div class=\"row\">\n                                <div class=\"leftouter \">\n                                    <div class=\"leftinnerlabel \">\n                                        <label class=\"wording\" for=\"tolls\">Transporte (peajes\/estacionamiento)<\/label>\n                                    <\/div>\n                                <\/div>\n                                <div class=\"rightouter \">\n                                    <div class=\"rightinnerolabel\">\n                                        <span class=\"dollarsign\">$ <\/span>\n                                        <input type=\"number\" class=\"printflex2\" id=\"tolls\" \/>\n                                    <\/div>\n                                <\/div>\n                            <\/div>\n                            <div class=\"row\">\n                                <div class=\"leftouter \">\n                                    <div class=\"leftinnerlabel \">\n                                        <label class=\"wording\" for=\"otherflexexp\">Otro<\/label>\n                                    <\/div>\n                                <\/div>\n                                <div class=\"rightouter \">\n                                    <div class=\"rightinnerolabel\">\n                                        <span class=\"dollarsign\">$ <\/span>\n                                        <input type=\"number\" class=\"printflex2\" id=\"otherflexexp\" \/>\n                                    <\/div>\n                                <\/div>\n                            <\/div>\n                            <div class=\"row\">\n                                <div class=\"leftouter \">\n                                    <div class=\"leftinnerlabel \">\n                                        <label class=\"wording total\" for=\"totflexexp\">Total de Gastos Flexibles<\/label>\n                                    <\/div>\n                                <\/div>\n                                <div class=\"rightouter \">\n                                    <div class=\"rightinnerolabel\">\n                                        <span class=\"dollarsign\">$ <\/span>\n                                        <input type=\"number\" class=\"printflex2\" id=\"totflexexp\" \/>\n                                    <\/div>\n                                <\/div>\n                            <\/div>\n                        <\/div>\n                    <\/div>\n                    &nbsp;\n                    <div id=\"discreprint2\">\n                        <h3>Hoja de trabajo de gastos discrecionales<\/h3>\n                        <div class=\"table-settings\">\n                            <div class=\"form-head\">\n                                <div class=\"row\">\n                                    <div class=\"leftouter\"><h4>Gastos discrecionales o no esenciales<\/h4><\/div>\n                                    <div class=\"rightouter\"><h4>Gastos Mensuales<\/h4><\/div>\n                                <\/div>\n                            <\/div>\n\n                            <div class=\"row\">\n                                <div class=\"leftouter \">\n                                    <div class=\"leftinnerlabel \">\n                                        <label class=\"wording\" for=\"entertainments\">Cine \/ Teatro<\/label>\n                                    <\/div>\n                                <\/div>\n                                <div class=\"rightouter \">\n                                    <div class=\"rightinnerolabel\">\n                                        <span class=\"dollarsign\">$ <\/span>\n                                        <input type=\"number\" class=\"printdiscre2\" id=\"entertainments\" \/>\n                                    <\/div>\n                                <\/div>\n                            <\/div>\n                            <div class=\"row\">\n                                <div class=\"leftouter \">\n                                    <div class=\"leftinnerlabel \">\n                                        <label class=\"wording\" for=\"diningout\">Cenas afuera<\/label>\n                                    <\/div>\n                                <\/div>\n                                <div class=\"rightouter \">\n                                    <div class=\"rightinnerolabel\">\n                                        <span class=\"dollarsign\">$ <\/span>\n                                        <input type=\"number\" class=\"printdiscre2\" id=\"diningout\" \/>\n                                    <\/div>\n                                <\/div>\n                            <\/div>\n                            <div class=\"row\">\n                                <div class=\"leftouter \">\n                                    <div class=\"leftinnerlabel \">\n                                        <label class=\"wording\" for=\"events\">Eventos deportivos \/ Conciertos<\/label>\n                                    <\/div>\n                                <\/div>\n                                <div class=\"rightouter \">\n                                    <div class=\"rightinnerolabel\">\n                                        <span class=\"dollarsign\">$ <\/span>\n                                        <input type=\"number\" class=\"printdiscre2\" id=\"events\" \/>\n                                    <\/div>\n                                <\/div>\n                            <\/div>\n                            <div class=\"row\">\n                                <div class=\"leftouter \">\n                                    <div class=\"leftinnerlabel \">\n                                        <label class=\"wording\" for=\"recr\">Recreaci\u00f3n<\/label>\n                                    <\/div>\n                                <\/div>\n                                <div class=\"rightouter \">\n                                    <div class=\"rightinnerolabel\">\n                                        <span class=\"dollarsign\">$ <\/span>\n                                        <input type=\"number\" class=\"printdiscre2\" id=\"recr\" \/>\n                                    <\/div>\n                                <\/div>\n                            <\/div>\n                            <div class=\"row\">\n                                <div class=\"leftouter \">\n                                    <div class=\"leftinnerlabel \">\n                                        <label class=\"wording\" for=\"hobbies\">Pasatiempos<\/label>\n                                    <\/div>\n                                <\/div>\n                                <div class=\"rightouter \">\n                                    <div class=\"rightinnerolabel\">\n                                        <span class=\"dollarsign\">$ <\/span>\n                                        <input type=\"number\" class=\"printdiscre2\" id=\"hobbies\" \/>\n                                    <\/div>\n                                <\/div>\n                            <\/div>\n                            <div class=\"row\">\n                                <div class=\"leftouter \">\n                                    <div class=\"leftinnerlabel \">\n                                        <label class=\"wording\" for=\"streaming\">Streaming (m\u00fasica \/ pel\u00edculas \/ videojuegos)<\/label>\n                                    <\/div>\n                                <\/div>\n                                <div class=\"rightouter \">\n                                    <div class=\"rightinnerolabel\">\n                                        <span class=\"dollarsign\">$ <\/span>\n                                        <input type=\"number\" class=\"printdiscre2\" id=\"streaming\" \/>\n                                    <\/div>\n                                <\/div>\n                            <\/div>\n                            <div class=\"row\">\n                                <div class=\"leftouter \">\n                                    <div class=\"leftinnerlabel \">\n                                        <label class=\"wording\" for=\"subsc\">Suscripciones (revistas \/ peri\u00f3dicos)<\/label>\n                                    <\/div>\n                                <\/div>\n                                <div class=\"rightouter \">\n                                    <div class=\"rightinnerolabel\">\n                                        <span class=\"dollarsign\">$ <\/span>\n                                        <input type=\"number\" class=\"printdiscre2\" id=\"subsc\" \/>\n                                    <\/div>\n                                <\/div>\n                            <\/div>\n                            <div class=\"row\">\n                                <div class=\"leftouter \">\n                                    <div class=\"leftinnerlabel \">\n                                        <label class=\"wording\" for=\"salon\">Barber\u00eda \/ Sal\u00f3n de belleza<\/label>\n                                    <\/div>\n                                <\/div>\n                                <div class=\"rightouter \">\n                                    <div class=\"rightinnerolabel\">\n                                        <span class=\"dollarsign\">$ <\/span>\n                                        <input type=\"number\" class=\"printdiscre2\" id=\"salon\" \/>\n                                    <\/div>\n                                <\/div>\n                            <\/div>\n                            <div class=\"row\">\n                                <div class=\"leftouter \">\n                                    <div class=\"leftinnerlabel \">\n                                        <label class=\"wording\" for=\"donation\">Donaciones \/ Recaudaci\u00f3n de fondos<\/label>\n                                    <\/div>\n                                <\/div>\n                                <div class=\"rightouter \">\n                                    <div class=\"rightinnerolabel\">\n                                        <span class=\"dollarsign\">$ <\/span>\n                                        <input type=\"number\" class=\"printdiscre2\" id=\"donation\" \/>\n                                    <\/div>\n                                <\/div>\n                            <\/div>\n                            <div class=\"row\">\n                                <div class=\"leftouter \">\n                                    <div class=\"leftinnerlabel \">\n                                        <label class=\"wording\" for=\"otherdiscexp\">Otro<\/label>\n                                    <\/div>\n                                <\/div>\n                                <div class=\"rightouter \">\n                                    <div class=\"rightinnerolabel\">\n                                        <span class=\"dollarsign\">$ <\/span>\n                                        <input type=\"number\" class=\"printdiscre2\" id=\"otherdiscexp\" \/>\n                                    <\/div>\n                                <\/div>\n                            <\/div>\n                            <div class=\"row\">\n                                <div class=\"leftouter \">\n                                    <div class=\"leftinnerlabel \">\n                                        <label class=\"wording total\" for=\"totdiscesxp\">Total de gastos discrecionales<\/label>\n                                    <\/div>\n                                <\/div>\n                                <div class=\"rightouter \">\n                                    <div class=\"rightinnerolabel\">\n                                        <span class=\"dollarsign\">$ <\/span>\n                                        <input type=\"number\" class=\"printdiscre2\" id=\"totdiscesxp\" \/>\n                                    <\/div>\n                                <\/div>\n                            <\/div>\n                        <\/div>\n                    <\/div>\n                <\/div>\n\n            <\/div>\n            <label for=\"carousel-4-4\" class=\"control-5 hidden\">\n                <a class=\"btn btn-primary float-left flex items-center\" type=\"button\">\n                    <svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"16\" height=\"16\" fill=\"currentColor\" class=\"bi bi-chevron-left mr-2\" viewBox=\"0 0 16 16\">\n                        <path fill-rule=\"evenodd\" d=\"M11.354 1.646a.5.5 0 0 1 0 .708L5.707 8l5.647 5.646a.5.5 0 0 1-.708.708l-6-6a.5.5 0 0 1 0-.708l6-6a.5.5 0 0 1 .708 0z\"\/>\n                    <\/svg> Anterior                <\/a>\n            <\/label>\n            <div class=\"row control-5 hidden float-right mt-4 mb-4\">\n                <a type=\"button\" class=\"btn btn-primary mr-4 z-10\" id=\"printButton\" name=\"printButton\">Imprimir<\/a>\n                <a type=\"button\" class=\"btn btn-primary z-10\" id=\"exportbuttonBudAnal\" name=\"exportbuttonBudAnal\">Exportar<\/a>\n            <\/div>\n        <\/div>\n    <\/div>\n<\/form>\n            <\/div>\n            \n            \n        <\/div>\n\n\n<\/div>","protected":false},"excerpt":{"rendered":"<p>C\u00f3mo administrar mejor su dinero con un presupuesto. Elaborar un presupuesto es el primer paso para convertirse en un mejor administrador del dinero. Es incre\u00edble pero muchas personas no saben cu\u00e1nto dinero ganan o cu\u00e1nto dinero gastan cada mes. Por esta raz\u00f3n es tan importante elaborar un presupuesto. Despu\u00e9s de hacer este ejercicio financiero, a [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":3509,"parent":2711,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"page-sidebar","meta":{"_acf_changed":false,"footnotes":""},"categories":[],"tags":[35],"class_list":["post-2980","page","type-page","status-publish","has-post-thumbnail","hentry","tag-elaborar-presupuesto"],"acf":[],"featured_image_src":true,"featured_image_src_square":"https:\/\/branded.staging.kofetime.com\/wp-content\/uploads\/sites\/148\/2023\/03\/build-a-budget-3.jpg","_links":{"self":[{"href":"https:\/\/branded.staging.kofetime.com\/es\/wp-json\/wp\/v2\/pages\/2980","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/branded.staging.kofetime.com\/es\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/branded.staging.kofetime.com\/es\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/branded.staging.kofetime.com\/es\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/branded.staging.kofetime.com\/es\/wp-json\/wp\/v2\/comments?post=2980"}],"version-history":[{"count":4,"href":"https:\/\/branded.staging.kofetime.com\/es\/wp-json\/wp\/v2\/pages\/2980\/revisions"}],"predecessor-version":[{"id":9857,"href":"https:\/\/branded.staging.kofetime.com\/es\/wp-json\/wp\/v2\/pages\/2980\/revisions\/9857"}],"up":[{"embeddable":true,"href":"https:\/\/branded.staging.kofetime.com\/es\/wp-json\/wp\/v2\/pages\/2711"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/branded.staging.kofetime.com\/es\/wp-json\/wp\/v2\/media\/3509"}],"wp:attachment":[{"href":"https:\/\/branded.staging.kofetime.com\/es\/wp-json\/wp\/v2\/media?parent=2980"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/branded.staging.kofetime.com\/es\/wp-json\/wp\/v2\/categories?post=2980"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/branded.staging.kofetime.com\/es\/wp-json\/wp\/v2\/tags?post=2980"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}