{"id":2148,"date":"2014-02-01T15:11:20","date_gmt":"2014-02-01T14:11:20","guid":{"rendered":"https:\/\/www.bestfinance.ch\/?p=2148"},"modified":"2026-02-27T15:03:50","modified_gmt":"2026-02-27T14:03:50","slug":"peligros-y-riesgos-del-consumo-a-una-edad-temprana","status":"publish","type":"post","link":"https:\/\/www.bestfinance.ch\/es\/in-jungen-jahren-gefahren-und-risiken-konsum\/","title":{"rendered":"A una edad temprana: peligros y riesgos Consumo"},"content":{"rendered":"

El encanto del consumo<\/h2>\n

Los activos de los j\u00f3venes no suelen ser todav\u00eda grandes. Tal vez reciban un sueldo de un trabajo de vacaciones, dinero de bolsillo o regalos en efectivo. Pero las tentaciones de la publicidad y la sociedad de consumo son grandes. Los j\u00f3venes quieren participar en la sociedad y hacerse notar. A menudo tienen la sensaci\u00f3n de no pertenecer si no poseen ciertos art\u00edculos de marca.<\/p>\n

El consumo necesita modelos y perspectivas<\/h3>\n

No hay que subestimar el problema del endeudamiento de los j\u00f3venes. Pedir dinero prestado a la familia o a los amigos forma parte de la organizaci\u00f3n financiera de la vida cotidiana de algunos de ellos.<\/p>\n

Como un An\u00e1lisis del Panel de Hogares de Suiza de enero de 2012 sobre la deuda de los j\u00f3venes<\/a> muestra que la proporci\u00f3n de hogares con deudas en forma de cr\u00e9ditos, leasing o pr\u00e9stamos es la misma para los j\u00f3venes que para los adultos. A pesar de que los importes pendientes son menores, la carga financiera es pr\u00e1cticamente la misma debido a los menores ingresos de los j\u00f3venes.<\/p>\n

Controlar el comportamiento de compra y el consumo<\/h3>\n

Los j\u00f3venes se endeudan para comprar bienes de consumo antes de haber ganado el dinero necesario. Copian el comportamiento de compra de la clase alta adinerada y el estilo de vida de los famosos.<\/p>\n

A la cabeza de la lista de gastos est\u00e1n los tel\u00e9fonos m\u00f3viles y los smartphones, incluidas las tarifas aplicables, la ropa de marca, los cosm\u00e9ticos, la electr\u00f3nica de consumo y las salidas.<\/p>\n

Los j\u00f3venes que tienen problemas para controlar su comportamiento de compra deben buscar apoyo profesional lo antes posible. Puede encontrar informaci\u00f3n sobre este tema, por ejemplo, en www.schulden.ch<\/a> o en www.schuldenberatung.ch<\/a>.<\/p>\n

Guardar el art\u00edculo como PDF:\u00a0A una edad temprana - peligros y riesgos.pdf<\/a><\/p>\n\n\n

<\/p>","protected":false},"excerpt":{"rendered":"

Los j\u00f3venes tienen que aprender primero a manejar su dinero de forma responsable. Por eso es importante que conozcan sus derechos y obligaciones como consumidores. De lo contrario, se corre el riesgo de un comportamiento de compra incontrolado y de endeudamiento incluso a una edad temprana.<\/p>","protected":false},"author":2,"featured_media":202845,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"_seopress_robots_primary_cat":"none","_seopress_titles_title":"Konsumverhalten Jugendlicher: Einblicke und Risiken","_seopress_titles_desc":"Erfahren Sie, wie Konsum junge Menschen finanziell belastet und welche Rolle Werbung spielt.","_seopress_robots_index":"","_eb_attr":"","site-sidebar-layout":"default","site-content-layout":"default","ast-site-content-layout":"default","site-content-style":"default","site-sidebar-style":"default","ast-global-header-display":"","ast-banner-title-visibility":"","ast-main-header-display":"","ast-hfb-above-header-display":"","ast-hfb-below-header-display":"","ast-hfb-mobile-header-display":"","site-post-title":"","ast-breadcrumbs-content":"","ast-featured-img":"","footer-sml-layout":"","ast-disable-related-posts":"","theme-transparent-header-meta":"default","adv-header-id-meta":"","stick-header-meta":"default","header-above-stick-meta":"","header-main-stick-meta":"","header-below-stick-meta":"","astra-migrate-meta-layouts":"set","ast-page-background-enabled":"default","ast-page-background-meta":{"desktop":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"tablet":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"mobile":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""}},"ast-content-background-meta":{"desktop":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"tablet":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"mobile":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""}},"footnotes":""},"categories":[1],"tags":[],"class_list":["post-2148","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-allgemein"],"acf":[],"_links":{"self":[{"href":"https:\/\/www.bestfinance.ch\/es\/wp-json\/wp\/v2\/posts\/2148","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.bestfinance.ch\/es\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.bestfinance.ch\/es\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.bestfinance.ch\/es\/wp-json\/wp\/v2\/users\/2"}],"replies":[{"embeddable":true,"href":"https:\/\/www.bestfinance.ch\/es\/wp-json\/wp\/v2\/comments?post=2148"}],"version-history":[{"count":1,"href":"https:\/\/www.bestfinance.ch\/es\/wp-json\/wp\/v2\/posts\/2148\/revisions"}],"predecessor-version":[{"id":202846,"href":"https:\/\/www.bestfinance.ch\/es\/wp-json\/wp\/v2\/posts\/2148\/revisions\/202846"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.bestfinance.ch\/es\/wp-json\/wp\/v2\/media\/202845"}],"wp:attachment":[{"href":"https:\/\/www.bestfinance.ch\/es\/wp-json\/wp\/v2\/media?parent=2148"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.bestfinance.ch\/es\/wp-json\/wp\/v2\/categories?post=2148"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.bestfinance.ch\/es\/wp-json\/wp\/v2\/tags?post=2148"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}