Edición N°19 – Artículo 11
Hábitos de ahorro y manejo de dinero en jóvenes de 14-18 años en Cuenca
Saving habits and money management among youth aged 14-18 in Cuenca
Autores: Paula Doménica Moscoso Cuesta, Erick Mateo Faican Vasquez
Resumen
En este informe nos hemos enfocado en investigar los hábitos y métodos de ahorro más adecuados que los jóvenes pueden implementar para lograr una correcta administración de su dinero. Durante esta investigación, identificamos uno de los principales problemas que enfrentan los adolescentes: la falta de conocimientos sobre educación financiera. Esta ausencia dificulta la organización efectiva de sus ingresos y el desarrollo de hábitos económicos saludables. Nuestro objetivo es fomentar la educación financiera desde edades tempranas, explorando diversas estrategias y herramientas que permitan a los jóvenes adquirir mejores prácticas en el manejo del dinero. Consideramos que, al comprender la importancia del ahorro y aplicar estrategias adecuadas, los adolescentes podrán tener una visión más clara sobre su futuro financiero, o al menos reflexionar con mayor responsabilidad sobre cómo utilizan su dinero. Resaltamos también la relevancia de establecer metas financieras desde la adolescencia. Esta práctica no solo ayuda a prevenir problemas económicos a corto plazo, sino que también impulsa a los jóvenes a considerar el emprendimiento como una oportunidad viable. La inversión temprana puede marcar una diferencia significativa a largo plazo, brindando mayores posibilidades de alcanzar objetivos personales y profesionales en un futuro cercano. En conclusión, este informe busca concienciar a la juventud sobre la importancia de la educación financiera y la gestión responsable del dinero. Con una mentalidad adecuada y hábitos sólidos, los adolescentes pueden contribuir positivamente a su bienestar personal y al de su entorno personal, familiar como aporte a la comunidad.
Palabras clave: hábitos, finanzas, adolescentes, dinero, metas, gestión, economía, educación, inversión, ingresos, gastos, ahorro.
Abstract
This report focuses on investigating the most suitable saving habits and methods that young people can implement to achieve proper management of their money. Throughout this research, we identified one of the primary challenges facing adolescents: a lack of financial literacy. This absence hinders the effective organization of their income and the development of healthy economic habits. Our goal is to promote financial literacy from an early age by exploring various strategies and tools that enable young people to acquire better money management practices. We believe that by understanding the importance of saving and applying appropriate strategies, adolescents will gain a clearer vision of their financial future, or at least reflect more responsibly on how they use their money.
We also highlight the importance of setting financial goals during adolescence. This practice not only helps prevent short-term economic problems but also encourages young people to consider entrepreneurship as a viable opportunity. Early investment can make a significant difference in the long term, providing greater possibilities for achieving personal and professional goals in the near future. In conclusion, this report seeks to raise awareness among youth regarding the importance of financial literacy and responsible money management. With the right mindset and solid habits, adolescents can contribute positively to their personal well-being, as well as that of their personal and family environments, as a contribution to the community.
Keywords: habits, finance, adolescents, money, goals, management, economy, education, investment, income, expenses, saving.
Edición N°19
Fecha de publicación: 28 noviembre del 2025.
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