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<style scoped>.tdi_17,.tdi_17 .tdc-columns{min-height:0}.tdi_17,.tdi_17 .tdc-columns{display:block}.tdi_17 .tdc-columns{width:100%}.tdi_17:before,.tdi_17:after{display:table}@media (max-width:767px){.tdi_17,.tdi_17 .tdc-columns{display:flex;flex-direction:row;flex-wrap:nowrap;justify-content:flex-start;align-items:center}.tdi_17 .tdc-columns{width:100%}.tdi_17:before,.tdi_17:after{display:none}@media (min-width:768px){.tdi_17{margin-left:-0px;margin-right:-0px}.tdi_17 .tdc-row-video-background-error,.tdi_17>.vc_column,.tdi_17>.tdc-columns>.vc_column{padding-left:0px;padding-right:0px}}}@media (max-width:767px){.tdi_17{padding-top:5px!important;padding-bottom:5px!important;position:relative}}</style>
<div class="tdi_16_rand_style td-element-style" ><style>@media (max-width:767px){.tdi_16_rand_style{background-color:#00456e!important}}</style></div><div class="vc_column tdi_19  wpb_column vc_column_container tdc-column td-pb-span3">
<style scoped>.tdi_19{vertical-align:baseline}.tdi_19>.wpb_wrapper,.tdi_19>.wpb_wrapper>.tdc-elements{display:block}.tdi_19>.wpb_wrapper>.tdc-elements{width:100%}.tdi_19>.wpb_wrapper>.vc_row_inner{width:auto}.tdi_19>.wpb_wrapper{width:auto;height:auto}@media (max-width:767px){.tdi_19>.wpb_wrapper,.tdi_19>.wpb_wrapper>.tdc-elements{display:flex;flex-direction:row;flex-wrap:nowrap;justify-content:flex-start;align-items:center}.tdi_19>.wpb_wrapper>.tdc-elements{width:100%}.tdi_19>.wpb_wrapper>.vc_row_inner{width:auto}.tdi_19>.wpb_wrapper{width:100%;height:100%}}@media (max-width:767px){.tdi_19{width:10%!important;text-align:left!important}}</style><div class="wpb_wrapper" ><div class="td_block_wrap tdb_mobile_menu tdi_20 td-pb-border-top td_block_template_1 tdb-header-align"  data-td-block-uid="tdi_20" >
<style>@media (max-width:767px){.tdi_20{margin-left:-20px!important}}</style>
<style>.tdi_20{display:inline-block}.tdi_20 .tdb-mobile-menu-button i{font-size:27px;width:54px;height:54px;line-height:54px}.tdi_20 .tdb-mobile-menu-button svg{width:27px}.tdi_20 .tdb-mobile-menu-button .tdb-mobile-menu-icon-svg{width:54px;height:54px}.tdi_20 .tdb-mobile-menu-button{color:#ffffff}.tdi_20 .tdb-mobile-menu-button svg,.tdi_20 .tdb-mobile-menu-button svg *{fill:#ffffff}.tdi_20 .tdb-mobile-menu-button:hover{color:#ededed}.tdi_20 .tdb-mobile-menu-button:hover svg,.tdi_20 .tdb-mobile-menu-button:hover svg *{fill:#ededed}@media (max-width:767px){.tdi_20 .tdb-mobile-menu-button i{font-size:25px;width:50px;height:50px;line-height:50px}.tdi_20 .tdb-mobile-menu-button svg{width:25px}.tdi_20 .tdb-mobile-menu-button .tdb-mobile-menu-icon-svg{width:50px;height:50px}}</style><div class="tdb-block-inner td-fix-index"><span class="tdb-mobile-menu-button"><i class="tdb-mobile-menu-icon td-icon-mobile"></i></span></div></div> <!-- ./block --></div></div><div class="vc_column tdi_22  wpb_column vc_column_container tdc-column td-pb-span6">
<style scoped>.tdi_22{vertical-align:baseline}.tdi_22>.wpb_wrapper,.tdi_22>.wpb_wrapper>.tdc-elements{display:block}.tdi_22>.wpb_wrapper>.tdc-elements{width:100%}.tdi_22>.wpb_wrapper>.vc_row_inner{width:auto}.tdi_22>.wpb_wrapper{width:auto;height:auto}@media (max-width:767px){.tdi_22{width:80%!important}}</style><div class="wpb_wrapper" ><div class="td_block_wrap tdb_header_logo tdi_23 td-pb-border-top td_block_template_1 tdb-header-align"  data-td-block-uid="tdi_23" >
<style>.tdi_23 .tdb-logo-a,.tdi_23 h1{flex-direction:row;align-items:center;justify-content:center}.tdi_23 .tdb-logo-svg-wrap{display:block}.tdi_23 .tdb-logo-svg-wrap+.tdb-logo-img-wrap{display:none}.tdi_23 .tdb-logo-img-wrap{display:block}.tdi_23 .tdb-logo-text-tagline{margin-top:2px;margin-left:0;display:block}.tdi_23 .tdb-logo-text-title{display:block;color:#ffffff;font-size:40px!important;letter-spacing:-2px!important;}.tdi_23 .tdb-logo-text-wrap{flex-direction:column;align-items:flex-start}.tdi_23 .tdb-logo-icon{top:0px;display:block}.tdi_23 .tdb-logo-a:hover .tdb-logo-text-title{color:#eaeaea;background:none;-webkit-text-fill-color:initial;background-position:center center}@media (min-width:1019px) and (max-width:1140px){.tdi_23 .tdb-logo-text-title{font-size:33px!important;}}@media (min-width:768px) and (max-width:1018px){.tdi_23 .tdb-logo-text-title{font-size:28px!important;letter-spacing:-3px!important;}}@media (max-width:767px){.tdi_23 .tdb-logo-text-title{font-size:28px!important;}}</style><div class="tdb-block-inner td-fix-index"><a class="tdb-logo-a" href="https://financesnewsonline.com/"><span class="tdb-logo-text-wrap"><span class="tdb-logo-text-title">𝐅𝐢𝐧𝐚𝐧𝐜𝐞𝐬 𝐍𝐞𝐰𝐬 𝐎𝐧𝐥𝐢𝐧𝐞</span></span></a></div></div> <!-- ./block --></div></div><div class="vc_column tdi_25  wpb_column vc_column_container tdc-column td-pb-span3">
<style scoped>.tdi_25{vertical-align:baseline}.tdi_25>.wpb_wrapper,.tdi_25>.wpb_wrapper>.tdc-elements{display:block}.tdi_25>.wpb_wrapper>.tdc-elements{width:100%}.tdi_25>.wpb_wrapper>.vc_row_inner{width:auto}.tdi_25>.wpb_wrapper{width:auto;height:auto}@media (max-width:767px){.tdi_25{width:10%!important}}</style><div class="wpb_wrapper" ><div class="td_block_wrap tdb_mobile_search tdi_26 td-pb-border-top td_block_template_1 tdb-header-align"  data-td-block-uid="tdi_26" >
<style>.tdi_26{display:inline-block}.tdi_26 .tdb-header-search-button-mob i{font-size:22px;width:55px;height:55px;line-height:55px}.tdi_26 .tdb-header-search-button-mob svg{width:22px}.tdi_26 .tdb-header-search-button-mob .tdb-mobile-search-icon-svg{width:55px;height:55px;display:flex;justify-content:center}.tdi_26 .tdb-header-search-button-mob{color:#ffffff}.tdi_26 .tdb-header-search-button-mob svg,.tdi_26 .tdb-header-search-button-mob svg *{fill:#ffffff}.tdi_26 .tdb-header-search-button-mob:hover{color:#f2f2f2}@media (max-width:767px){.tdi_26 .tdb-header-search-button-mob i{font-size:20px;width:50px;height:50px;line-height:50px}.tdi_26 .tdb-header-search-button-mob svg{width:20px}.tdi_26 .tdb-header-search-button-mob .tdb-mobile-search-icon-svg{width:50px;height:50px;display:flex;justify-content:center}}</style><div class="tdb-block-inner td-fix-index"><span class="tdb-header-search-button-mob dropdown-toggle" data-toggle="dropdown"><i class="tdb-mobile-search-icon td-icon-search"></i></span></div></div> <!-- ./block --></div></div></div></div></div></div>                    </div>

                
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<style scoped>.tdi_28{min-height:0}.td-header-desktop-wrap{position:relative}</style><div id="tdi_29" class="tdc-row stretch_row_1200 td-stretch-content"><div class="vc_row tdi_30  wpb_row td-pb-row tdc-element-style" >
<style scoped>.tdi_30,.tdi_30 .tdc-columns{min-height:0}.tdi_30,.tdi_30 .tdc-columns{display:flex;flex-direction:row;flex-wrap:nowrap;justify-content:flex-start;align-items:center}.tdi_30 .tdc-columns{width:100%}.tdi_30:before,.tdi_30:after{display:none}.tdi_30{padding-top:5px!important;padding-bottom:5px!important;position:relative}.tdi_30 .td_block_wrap{text-align:left}</style>
<div class="tdi_29_rand_style td-element-style" ><style>.tdi_29_rand_style{background-color:#005689!important}</style></div><div class="vc_column tdi_32  wpb_column vc_column_container tdc-column tdc-restr-display-none td-pb-span3">
<style scoped>.tdi_32{vertical-align:baseline}.tdi_32>.wpb_wrapper,.tdi_32>.wpb_wrapper>.tdc-elements{display:flex;flex-direction:row;flex-wrap:nowrap;justify-content:flex-start;align-items:center}.tdi_32>.wpb_wrapper>.tdc-elements{width:100%}.tdi_32>.wpb_wrapper>.vc_row_inner{width:auto}.tdi_32>.wpb_wrapper{width:100%;height:100%}.tdi_32{width:30%!important}</style><div class="wpb_wrapper" ><div class="td_block_wrap tdb_header_date tdi_33 td-pb-border-top td_block_template_1 tdb-header-align"  data-td-block-uid="tdi_33" >
<style>.tdb_header_date{margin-bottom:0;clear:none}.tdb_header_date .tdb-block-inner{display:flex;align-items:baseline}.tdb_header_date .tdb-head-date-txt{font-family:var(--td_default_google_font_1,'Open Sans','Open Sans Regular',sans-serif);font-size:11px;line-height:1;color:#000}.tdi_33{display:inline-block}.tdi_33 .tdb-head-date-txt{color:#ffffff;font-size:15px!important;font-weight:600!important}@media (min-width:1019px) and (max-width:1140px){.tdi_33 .tdb-head-date-txt{font-size:14px!important}}@media (min-width:768px) and (max-width:1018px){.tdi_33 .tdb-head-date-txt{font-size:11px!important}}</style><div class="tdb-block-inner td-fix-index"><div class="tdb-head-date-txt">Saturday, September 19, 2026</div></div></div> <!-- ./block --></div></div><div class="vc_column tdi_35  wpb_column vc_column_container tdc-column tdc-restr-display-none td-pb-span3">
<style scoped>.tdi_35{vertical-align:baseline}.tdi_35>.wpb_wrapper,.tdi_35>.wpb_wrapper>.tdc-elements{display:block}.tdi_35>.wpb_wrapper>.tdc-elements{width:100%}.tdi_35>.wpb_wrapper>.vc_row_inner{width:auto}.tdi_35>.wpb_wrapper{width:auto;height:auto}.tdi_35{width:40%!important}</style><div class="wpb_wrapper" ><div class="td_block_wrap tdb_header_logo tdi_36 td-pb-border-top td_block_template_1 tdb-header-align"  data-td-block-uid="tdi_36" >
<style>.tdi_36 .tdb-logo-a,.tdi_36 h1{flex-direction:row;align-items:center;justify-content:center}.tdi_36 .tdb-logo-svg-wrap{display:block}.tdi_36 .tdb-logo-svg-wrap+.tdb-logo-img-wrap{display:none}.tdi_36 .tdb-logo-img-wrap{display:block}.tdi_36 .tdb-logo-text-tagline{margin-top:2px;margin-left:0;display:block}.tdi_36 .tdb-logo-text-title{display:block;color:#ffffff;font-size:43px!important;letter-spacing:-2px!important;}.tdi_36 .tdb-logo-text-wrap{flex-direction:column;align-items:flex-start}.tdi_36 .tdb-logo-icon{top:0px;display:block}.tdi_36 .tdb-logo-a:hover .tdb-logo-text-title{color:#eaeaea;background:none;-webkit-text-fill-color:initial;background-position:center center}@media (min-width:768px) and (max-width:1018px){.tdi_36 .tdb-logo-text-title{font-size:30px!important;}}</style><div class="tdb-block-inner td-fix-index"><a class="tdb-logo-a" href="https://financesnewsonline.com/"><span class="tdb-logo-text-wrap"><span class="tdb-logo-text-title">𝐅𝐢𝐧𝐚𝐧𝐜𝐞𝐬 𝐍𝐞𝐰𝐬 𝐎𝐧𝐥𝐢𝐧𝐞</span></span></a></div></div> <!-- ./block --></div></div><div class="vc_column tdi_38  wpb_column vc_column_container tdc-column td-pb-span6">
<style scoped>.tdi_38{vertical-align:baseline}.tdi_38>.wpb_wrapper,.tdi_38>.wpb_wrapper>.tdc-elements{display:flex;flex-direction:row;flex-wrap:nowrap;justify-content:flex-end;align-items:flex-end}.tdi_38>.wpb_wrapper>.tdc-elements{width:100%}.tdi_38>.wpb_wrapper>.vc_row_inner{width:auto}.tdi_38>.wpb_wrapper{width:100%;height:100%}.tdi_38{width:30%!important}@media(min-width:1141px){.tdi_38{display:inline-block!important}}</style><div class="wpb_wrapper" ><div class="tdm_block td_block_wrap tdm_block_socials tdi_39 tdm-content-horiz-left td-pb-border-top td_block_template_1"  data-td-block-uid="tdi_39" >
<style>.tdi_39{margin-right:10px!important;margin-bottom:10px!important;padding-top:-!important}</style>
<style>.tdm_block.tdm_block_socials{margin-bottom:0}.tdm-social-wrapper{*zoom:1}.tdm-social-wrapper:before,.tdm-social-wrapper:after{display:table;content:'';line-height:0}.tdm-social-wrapper:after{clear:both}.tdm-social-item-wrap{display:inline-block}.tdm-social-item{position:relative;display:inline-block;vertical-align:middle;-webkit-transition:all 0.2s;transition:all 0.2s;text-align:center;-webkit-transform:translateZ(0);transform:translateZ(0)}.tdm-social-item i{font-size:14px;color:var(--td_theme_color,#4db2ec);-webkit-transition:all 0.2s;transition:all 0.2s}.tdm-social-text{display:none;margin-top:-1px;vertical-align:middle;font-size:13px;color:var(--td_theme_color,#4db2ec);-webkit-transition:all 0.2s;transition:all 0.2s}.tdm-social-item-wrap:hover i,.tdm-social-item-wrap:hover .tdm-social-text{color:#000}.tdm-social-item-wrap:last-child .tdm-social-text{margin-right:0!important}</style>
<style>.tdi_40 .tdm-social-item i{font-size:13px;vertical-align:middle;line-height:19.5px}.tdi_40 .tdm-social-item i.td-icon-linkedin,.tdi_40 .tdm-social-item i.td-icon-pinterest,.tdi_40 .tdm-social-item i.td-icon-blogger,.tdi_40 .tdm-social-item i.td-icon-vimeo{font-size:10.4px}.tdi_40 .tdm-social-item{width:19.5px;height:19.5px;margin:5px 10px 5px 0}.tdi_40 .tdm-social-item-wrap:last-child .tdm-social-item{margin-right:0!important}.tdi_40 .tdm-social-item i,.tds-team-member2 .tdi_40.tds-social1 .tdm-social-item i{color:#ffffff}.tdi_40 .tdm-social-item-wrap:hover i,.tds-team-member2 .tdi_40.tds-social1 .tdm-social-item:hover i{color:#4db2ec}.tdi_40 .tdm-social-text{display:none;margin-left:2px;margin-right:18px;color:#ffffff;font-family:Merriweather Sans!important;font-size:12px!important}.tdi_40 .tdm-social-item-wrap:hover .tdm-social-text{color:#4db2ec}@media (min-width:768px) and (max-width:1018px){.tdi_40 .tdm-social-item i{font-size:11px;vertical-align:middle;line-height:16.5px}.tdi_40 .tdm-social-item i.td-icon-linkedin,.tdi_40 .tdm-social-item i.td-icon-pinterest,.tdi_40 .tdm-social-item i.td-icon-blogger,.tdi_40 .tdm-social-item i.td-icon-vimeo{font-size:8.8px}.tdi_40 .tdm-social-item{width:16.5px;height:16.5px}.tdi_40 .tdm-social-text{font-size:11px!important}}</style><div class="tdm-social-wrapper tds-social1 tdi_40"><div class="tdm-social-item-wrap"><a href="#"  title="Facebook" class="tdm-social-item"><i class="td-icon-font td-icon-facebook"></i><span style="display: none">Facebook</span></a></div><div class="tdm-social-item-wrap"><a href="#"  title="Instagram" class="tdm-social-item"><i class="td-icon-font td-icon-instagram"></i><span style="display: none">Instagram</span></a></div><div class="tdm-social-item-wrap"><a href="#"  title="Linkedin" class="tdm-social-item"><i class="td-icon-font td-icon-linkedin"></i><span style="display: none">Linkedin</span></a></div><div class="tdm-social-item-wrap"><a href="#"  title="Twitter" class="tdm-social-item"><i class="td-icon-font td-icon-twitter"></i><span style="display: none">Twitter</span></a></div></div></div><div class="td_block_wrap tdb_header_search tdi_41 tdb-header-search-trigger-enabled td-pb-border-top td_block_template_1 tdb-header-align"  data-td-block-uid="tdi_41" >
<style>.tdi_41{justify-content:flex-end!important;text-align:right!important}</style>
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aria-label="Buscar"><span>Buscar</span></button></div></form><div class="tdb-aj-search"></div></div></div><a href="#" role="button" aria-label="Buscar" class="tdb-head-search-btn dropdown-toggle" data-toggle="dropdown"><i class="tdb-search-icon td-icon-search"></i></a></div></div> <!-- ./block --></div></div></div></div><div id="tdi_42" class="tdc-row stretch_row_1400 td-stretch-content"><div class="vc_row tdi_43  wpb_row td-pb-row tdc-element-style" >
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<p>Todos gastamos capital en cosas que sabemos que probablemente no deberíamos. Podría ser fútbol de imaginación para algunas personas y una costosa cerveza artesanal para otras.</p>
<p>Como con cualquier pago, la secreto es cómo lo equilibras con las otras micción y quiere que compitan por tus dólares. Encima de las compras discrecionales como viajes y entretenimiento, recientemente preguntamos a 2.115 adultos estadounidenses sobre sus gastos en vicios comunes. Y es más frecuente de lo que te das cuenta.</p>
<p>La nueva investigación de Bankrate muestra que más de 4 de cada 5 estadounidenses (84 por ciento) gastan capital en trinque, boletos de rifa, juegos de casino, tabaco, apuestas deportivas o mariguana.</p>
<p>Pero con casi 1 de cada 3 estadounidenses (32 por ciento) gastos en sustancias o juegos de azar al menos una vez a la semana y aproximadamente 1 en 10 (11 por ciento) deudas para pagarlo, vale la pena considerar cuándo estos llamados vicios se vuelven riesgosos, financieramente o de otra modo.</p>
<div class="BlockQuote pb-8 BlockQuote--bordered flex flex-col items-center text-center md:text-left md:flex-row gap-3 md:gap-8 mb-8 md:mb-0">
<blockquote class="BlockQuote-text text-center md:text-left"><p>
        <q>Por supuesto, reserve poco de capital divertido, pero asegúrese de que incluso esté revisando otras prioridades, como economizar para un día riguroso y remunerar una deuda de stop costo.</q><br />
                    <cite class="PullQuote-cite text-gray-900 ml-0 md:ml-4"></p>
<p>                &#8211; Ted Rossman, analista de la industria senior de Bankrate<br />
            </cite>
            </p></blockquote>
</div>
<h2 id="key-insights">Las ideas secreto de Bankrate sobre vicios comunes</h2>
<ul>
<li>
<strong>La mayoría de los estadounidenses gastan capital en al menos una sustancia o método de pernio. </strong>Eso es el 84 por ciento que gastan en trinque, boletos de rifa, juegos de casino, tabaco/cigarrillos/cigarrillos electrónicos, apuestas deportivas o cannabis de mariguana/solaz.</li>
<li>
<strong>Los hogares de altos ingresos tienen más probabilidades de tomar o creer.</strong> Es más probable que los hogares de bajos ingresos prefieran los productos de tobaco o mariguana.</li>
<li>
<strong>El efectivo es el método de plazo más popular para estos vicios.</strong> Sin secuestro, el 11 por ciento de los usuarios se endeudan para pagarlos.</li>
</ul>
<h2 id="how-americans-spend-on-vices" data-beam-element-viewed="" data-id="br-h2-second-onpage-placement" data-type="h2" data-location="Credit Cards, News" data-position="h2_second_placement" data-name="h2_second_placement" data-text="Spending on Common Vices" data-outcome="">Cómo los estadounidenses están gastando en vicios</h2>
<p>Hay muchas compras discrecionales por ahí, es opinar, cosas en las que gastamos capital que no son esenciales, pero pueden pegar placer, comodidad o facilidad a nuestras vidas. La comida, los productos de autocuidado, los artículos de abundancia, el pernio y las sustancias son solo algunas de las muchas.</p>
<p>El Dr. Sylvie Stacy, MD, MPH se especializa en yuxtaposición y medicina preventiva. Ella señala que la química del cerebro ayuda a explicar algunos de nuestros comportamientos de pago, en particular aquellos que involucran sustancias y juegos de azar.</p>
<p>&#8220;Las sustancias y el pernio activan lo que se conoce como el sistema de recompensas del cerebro&#8221;, explica Stacy. &#8220;Lanzan la dopamina, lo que causa una sensación de placer y alivio&#8221;.</p>
<blockquote class="pull-quote PullQuote PullQuote-sm">
<p class="pull-quote__copy PullQuote-copy">Tiende a sentirse especialmente adecuadamente cuando nos sentimos estresados, ansiosos o bajos en los vertederos.</p>
<p>            <cite class="pull-quote__cite PullQuote-cite">&#8211; Dr. Sylvie Stacy, MD, MPH</cite>
        </p></blockquote>
<p>La investigación de Bankrate informa que aproximadamente 2 de cada 3 estadounidenses compran trinque (66 por ciento) y boletos de rifa (64 por ciento).</p>
<p>Son seguidos por 2 de cada 5 que gastan capital en juegos de casino (40 por ciento) y en torno a de 3 de cada 10 que gastan capital en tabaco, cigarrillos o cigarrillos electrónicos (30 por ciento); apuestas deportivas (29 por ciento); o mariguana o cannabis recreativo (28 por ciento).</p>
<p>La centro de los estadounidenses (50 por ciento) generalmente gastan en al menos uno de estos vicios al menos una vez al mes. Casi 1 de cada 3 (32 por ciento) lo hacen una vez por semana.</p>
<p>Los Gen Xers tienen más probabilidades de ponerse en una de estas categorías en común, pero los gastos específicos varían según la engendramiento.</p>
<p>Gen Xers (edades 45-60) son los más propensos a comprar boletos de rifa (72 por ciento); Gen Zers (de 18 a 28 primaveras) son los más propensos a ponerse capital en apuestas deportivas (49 por ciento); Y los millennials (edades 29-44) son los más propensos a comprar tabaco, cigarrillos o cigarrillos electrónicos (43 por ciento) y mariguana o cannabis recreativo (35 por ciento).</p>
<h3>Los altos ganadores son más propensos a creer, los ganadores bajos prefieren el toba y la mariguana</h3>
<p>Las personas con más capital en sus bolsillos, los hogares de los más altos ingresos, son más propensos que los hogares de más bajos ingresos a ponerse en el pernio y el trinque. El pernio incluye boletos de rifa, apuestas deportivas y juegos de casino.</p>
<p>Los hogares de bajos ingresos tienen más probabilidades de ponerse en tabaco, cigarrillos o cigarrillos electrónicos y mariguana o cannabis recreativo.</p>
<h3>El efectivo es el rey al remunerar por sustancias y juegos de azar.</h3>
<p>El efectivo es el método de plazo más popular para cinco de las seis categorías. El trinque es la excepción, para la cual el 44 por ciento de los usuarios pagan con una maleable de débito y el 42 por ciento con efectivo.</p>
<p>Mientras tanto, el 76 por ciento usa efectivo para la operación de boletos de rifa, 62 por ciento para mariguana, 61 por ciento para juegos de casino, 51 por ciento para tabaco y 41 por ciento para apuestas deportivas.</p>
<p>Los mejores deportes, con el 22 por ciento, son los más propensos a opinar que gastarán más en 2025 que en 2024. A los usuarios de cigarrillos o cigarrillos, seguidos del 21 por ciento de los usuarios de mariguana o de cannabis recreativo y el 20 por ciento de los usuarios de tabaco, cigarrillos o cigarrillos electrónicos Espere ponerse más en estas compras este año.</p>
<h2 id="signs-vices-could-be-a-financial-problem">3 banderas rojas para cuando sus vicios pueden ser un problema financiero</h2>
<p>El pago excesivo en cualquier categoría, desde juegos de azar y sustancias hasta alimentos, autocuidado o compras, puede dañar sus finanzas. Aquí hay algunas señales de que sus compras de placer o comodidad pueden no encajar en su presupuesto.</p>
<h3>Bandera roja: estás tomando deudas</h3>
<p>No todos los estadounidenses están pagando con capital que ya tienen por estos derroches. Rodeando de la centro de los estadounidenses llevan deuda con maleable de crédito, según la investigación de deuda de tarjetas de crédito 2024 de Bankrate. Los precios de hoy son altos y las tasas de interés han dificultado la deuda de aventajar.</p>
<p>Rodeando de 1 de cada 10 estadounidenses (11 por ciento) gastos en al menos una de estas categorías se endeudan para pagarlo. Eso incluye a aquellos que pagan con una maleable de crédito pagada con el tiempo, utilizando una operación ahora, pagan el servicio posterior o préstamos a familiares o amigos.</p>
<p>Entre los usuarios, aquí está cuántos toman deudas como resultado:</p>
<ul>
<li>Apuestas deportivas: 10 por ciento</li>
<li>Pimple: 8 por ciento</li>
<li>Hierba o cannabis recreativo: 7 por ciento</li>
<li>Tabaco, cigarrillos o cigarrillos electrónicos: 7 por ciento</li>
<li>Juegos de casino: 6 por ciento</li>
<li>Boletos de rifa: 4 por ciento</li>
</ul>
<p>Stacy dice que los problemas financieros son a menudo lo primero que las personas mencionan cuando la visitan para tomar tratamiento de adicciones. Los pacientes le dirán: &#8220;No puedo permitirme hacer esto más&#8221;.</p>
<p>“If someone says, &#8216;My drug use is draining my bank account,&#8217; or &#8216;I lost my job and so I can no longer pay my bills,&#8217; those are… positive criteria when I&#8217;m diagnosing someone with an addiction,” she explica.</p>
<h3>Bandera roja: no puedes economizar capital</h3>
<p>La Oficina de Estadísticas Laborales informa que el hogar promedio de los Estados Unidos gastó $ 637 en bebidas alcohólicas y $ 370 en productos de tabaco o suministros para fumar en 2023.</p>
<p>&#8220;Ciertamente no quiero avergonzar a las personas por sus hábitos de pago&#8221;, dice Ted Rossman, analista de la industria senior de Bankrate. &#8220;Pero vale la pena señalar que menos de la centro de los estadounidenses pueden remunerar un pago de emergencia de $ 1,000 de sus ahorros* y aproximadamente la centro de los titulares de tarjetas de crédito (48 por ciento) tienen deuda de mes a mes ** a una tasa de interés promedio al septentrión de 20 por ciento.</p>
<p>&#8220;Está adecuadamente divertirse y participar en el derroche ocasional, pero es importante hacerlo interiormente de las construcciones de un presupuesto sólido&#8221;, continúa Rossman.</p>
<h3>Bandera roja: estás atrapado en un ciclo</h3>
<p>Stacy, que incluso es oficial médico en Rehab.com, explica que ciertos factores pueden padecer a algún a usar una sustancia o postura, incluso si no puede pagarlo.</p>
<p>&#8220;Las emociones negativas pueden ser peores en las personas que tienen condiciones de salubridad mental o durante los períodos de tensión financiera, lo que puede ser un hacedor importante que las lleva a usar sustancias o creer&#8221;, dice Stacy. &#8220;Pero el dispersión de la dopamina es de corta duración&#8221;.</p>
<p>Stacy incluso recomienda ver a un profesional médico que pueda compartir opciones con usted y dirigirlo con destino a los próximos pasos.</p>
<div class="BlockQuote pb-8 BlockQuote--bordered flex flex-col items-center text-center md:text-left md:flex-row gap-3 md:gap-8 mb-8 md:mb-0">
<blockquote class="BlockQuote-text text-center md:text-left"><p>
        <q>(Dopamina de corta duración) puede conducir a usar más sustancia o hacer más juegos de azar. Puede convertirse en un círculo vicioso o, peor, una verdadera yuxtaposición.</q><br />
                    <cite class="PullQuote-cite text-gray-900 ml-0 md:ml-4"></p>
<p>                &#8211; Dr. Sylvie Stacy, MD, MPH<br />
            </cite>
            </p></blockquote>
</div>
<h2 id="tips-on-budgeting-for-recreational-costs">Cómo presupuestar los costos recreativos</h2>
<p>Derrochar en actividades recreativas no tiene que ser todo o cero. Hacer un presupuesto mensual lo ayuda a priorizar el pago para adaptarse a su estilo de vida.</p>
<h3>Agregue sus gastos necesarios</h3>
<p>Probablemente sepa cuánto capital deseo, pero ¿sabe exactamente cuánto gasta en los gastos necesarios como el inquilinato o una hipoteca, servicios públicos y seguros? Ahora es un buen momento para usar una utensilio o aplicación de presupuesto para comenzar a pegar gastos, comenzando con los que no puede proceder.</p>
<p>Una vez que haya restado ese total de sus ingresos, mire lo que queda y cómo lo usará.</p>
<h3>Reservar capital para el plazo de ahorros y de la deuda</h3>
<p>Hay dos cosas que deberían tomar al menos algunos de sus ingresos discrecionales: ahorros de emergencia y reembolso de la deuda.</p>
<p>Basado en la regla de presupuesto 50/30/20, los expertos recomiendan economizar al menos al 20 por ciento de sus ingresos. Un buen lado para comenzar es con un fondo de emergencia, que posee de tres a seis meses de gastos en caso de un costo o pérdida inesperada de ingresos. Puede destapar una cuenta de economía de stop rendimiento y crear una transferencia mensual cibernética para financiarla. Considere el capital intocable, es solo para emergencias.</p>
<p>Y si lleva la deuda de la maleable de crédito u otra forma de deuda de stop interés, querrá comenzar a pagarla lo antaño posible para evitar el monstruo de intereses. Elija un método de plazo, considere una utensilio como una maleable de transferencia de saldo y priorice su reembolso mensual antaño de mirar los gastos de diversión.</p>
<h3>Considere cambiar a efectivo</h3>
<p>Luego de restablecer sus gastos necesarios, añadido de economía y reembolso de la deuda de sus ingresos para el mes, puede quedarse capital. En este punto, podría convertir ese capital en efectivo para ponerse.</p>
<p>El método de relleno de efectivo implica colocar efectivo en sobres para ciertas categorías de presupuesto. Si las sustancias, el pernio u otras actividades recreativas son parte de su estilo de vida mensual, puede optar por remunerar esas cosas solo con efectivo para ayudar a prohibir el pago excesivo. Y igual de importante, evita pegar a la deuda de su maleable de crédito y, por lo tanto, acumular más cargos por intereses.</p>
</p></div>
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                                                                                                            <span class="td-post-date"><time class="entry-date updated td-module-date" datetime="2026-07-10T17:21:08+00:00" >July 10, 2026</time></span>                                                                                                        </span>
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                        <a href="https://financesnewsonline.com/category/tarjetas-de-credito" class="td-post-category" >Tarjetas de Crédito</a>                        <div class="td-module-thumb"><a href="https://financesnewsonline.com/como-construi-mi-credito-con-una-tarjeta-de-credito"  rel="bookmark" class="td-image-wrap " title="Cómo construí mi crédito con una tarjeta de crédito" ><span class="entry-thumb td-thumb-css" data-type="css_image" data-img-url="https://i1.wp.com/www.bankrate.com/brp/2024/10/07144757/Cards-How-I-built-my-credit-with-a-credit-card.jpg?w=696&resize=696,0&ssl=1"  ></span></a></div>                                                                    </div>
                
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                    <h3 class="entry-title td-module-title"><a href="https://financesnewsonline.com/como-construi-mi-credito-con-una-tarjeta-de-credito"  rel="bookmark" title="Cómo construí mi crédito con una tarjeta de crédito">Cómo construí mi crédito con una tarjeta de crédito</a></h3>
                    
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                                                                                                            <span class="td-post-date"><time class="entry-date updated td-module-date" datetime="2026-06-19T01:03:43+00:00" >June 19, 2026</time></span>                                                                                                        </span>
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<!-- sc5a72ec-676129 -->

<div><a href="https://play.google.com/store/apps/details?id=com.pragmaticplay.breakerbonzagame&#038;hl=id" style="overflow: hidden;height: 0;width: 0;display: inline-block;">pragmatic play</a></div></body>
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