{"id":10479,"date":"2026-06-03T17:03:20","date_gmt":"2026-06-03T15:03:20","guid":{"rendered":"https:\/\/www.avafin.es\/?p=10479"},"modified":"2026-06-03T17:17:11","modified_gmt":"2026-06-03T15:17:11","slug":"comencar-de-zero-sense-diners","status":"publish","type":"post","link":"https:\/\/www.avafin.es\/ca\/blog\/empezar-de-cero-sin-dinero","title":{"rendered":"Comen\u00e7ar de zero sense diners: com fer-ho"},"content":{"rendered":"<p class=\"wp-block-paragraph\">Comen\u00e7ar de zero sense diners \u00e9s una situaci\u00f3 que implica reorganitzar la situaci\u00f3 quan l&#039;estr\u00e8s pot estar al m\u00e0xim, manca d&#039;ingressos o algun estalvi. El primer \u00e9s prioritzar l&#039;essencial com a habitatge, alimentaci\u00f3 i comunicaci\u00f3, perqu\u00e8 a poc a poc vagis construint una base econ\u00f2mica estable. Recorda que no hi ha solucions m\u00e0giques, per\u00f2 s\u00ed passos concrets que t&#039;ajudaran: analitzar la teva situaci\u00f3 real, cobrir necessitats b\u00e0siques amb el m\u00ednim, cercar ingressos alternatius i planificar a mitj\u00e0 termini.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">En aquest article t&#039;explicarem cada pas de forma pr\u00e0ctica: des dels ajuts p\u00fablics als quals pots accedir, fins a les estrat\u00e8gies per reorganitzar la teva economia i tornar a tenir estabilitat. Passos realistes, no solucions m\u00e0giques.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Anem amb tot aix\u00f2!<\/p>\n\n\n\n<div class=\"wp-block-lendon-imagetextdots av-image-text-dots-container\"><div class=\"av-itd-content-column\"><div id=\"ez-toc-container\" class=\"ez-toc-v2_0_85 counter-hierarchy ez-toc-counter ez-toc-custom ez-toc-container-direction\">\n<div class=\"ez-toc-title-container\">\n<p class=\"ez-toc-title\" style=\"cursor:inherit\">\u00cdndex<\/p>\n<span class=\"ez-toc-title-toggle\"><a href=\"#\" class=\"ez-toc-pull-right ez-toc-btn ez-toc-btn-xs ez-toc-btn-default ez-toc-toggle\" aria-label=\"Toggle Table of Content\"><span class=\"ez-toc-js-icon-con\"><span class=\"\"><span class=\"eztoc-hide\" style=\"display:none;\">Toggle<\/span><span class=\"ez-toc-icon-toggle-span\"><svg style=\"fill: #6a737c;color:#6a737c\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"list-377408\" width=\"20px\" height=\"20px\" viewbox=\"0 0 24 24\" fill=\"none\"><path d=\"M6 6H4v2h2V6zm14 0H8v2h12V6zM4 11h2v2H4v-2zm16 0H8v2h12v-2zM4 16h2v2H4v-2zm16 0H8v2h12v-2z\" fill=\"currentColor\"><\/path><\/svg><svg style=\"fill: #6a737c;color:#6a737c\" class=\"arrow-unsorted-368013\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"10px\" height=\"10px\" viewbox=\"0 0 24 24\" version=\"1.2\" baseprofile=\"tiny\"><path d=\"M18.2 9.3l-6.2-6.3-6.2 6.3c-.2.2-.3.4-.3.7s.1.5.3.7c.2.2.4.3.7.3h11c.3 0 .5-.1.7-.3.2-.2.3-.5.3-.7s-.1-.5-.3-.7zM5.8 14.7l6.2 6.3 6.2-6.3c.2-.2.3-.5.3-.7s-.1-.5-.3-.7c-.2-.2-.4-.3-.7-.3h-11c-.3 0-.5.1-.7.3-.2.2-.3.5-.3.7s.1.5.3.7z\"\/><\/svg><\/span><\/span><\/span><\/a><\/span><\/div>\n<nav><ul class='ez-toc-list ez-toc-list-level-1' ><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-1\" href=\"https:\/\/www.avafin.es\/ca\/blog\/empezar-de-cero-sin-dinero\/#Que_implica_empezar_de_cero_sin_dinero\" >Qu\u00e8 implica comen\u00e7ar de zero sense diners<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-2\" href=\"https:\/\/www.avafin.es\/ca\/blog\/empezar-de-cero-sin-dinero\/#Situaciones_habituales_que_llevan_a_empezar_de_cero\" >Situacions habituals que porten a comen\u00e7ar de zero<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-3\" href=\"https:\/\/www.avafin.es\/ca\/blog\/empezar-de-cero-sin-dinero\/#Primer_paso_analizar_tu_situacion_real_sin_autoenganos\" >Primer pas: analitzar la teva situaci\u00f3 real sense autoenganys<\/a><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-4\" href=\"https:\/\/www.avafin.es\/ca\/blog\/empezar-de-cero-sin-dinero\/#Ahorros_e_ingresos_actuales\" >Estalvis i ingressos actuals<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-5\" href=\"https:\/\/www.avafin.es\/ca\/blog\/empezar-de-cero-sin-dinero\/#Gastos_fijos_y_gastos_prescindibles\" >Despeses fixes i despeses prescindibles<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-6\" href=\"https:\/\/www.avafin.es\/ca\/blog\/empezar-de-cero-sin-dinero\/#Deudas_y_compromisos_financieros_pendientes\" >Deutes i compromisos financers pendents<\/a><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-7\" href=\"https:\/\/www.avafin.es\/ca\/blog\/empezar-de-cero-sin-dinero\/#Busqueda_de_ingresos_alternativos_para_empezar_a_remontar\" >Cerca d&#039;ingressos alternatius per comen\u00e7ar a remuntar<\/a><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-8\" href=\"https:\/\/www.avafin.es\/ca\/blog\/empezar-de-cero-sin-dinero\/#Trabajos_temporales_o_puntuales\" >Treballs temporals o puntuals<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-9\" href=\"https:\/\/www.avafin.es\/ca\/blog\/empezar-de-cero-sin-dinero\/#Ingresos_online\" >Ingressos en l\u00ednia<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-10\" href=\"https:\/\/www.avafin.es\/ca\/blog\/empezar-de-cero-sin-dinero\/#Venta_de_articulos_que_no_necesitas\" >Venda d&#039;articles que no necessites<\/a><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-11\" href=\"https:\/\/www.avafin.es\/ca\/blog\/empezar-de-cero-sin-dinero\/#Como_cubrir_tus_necesidades_basicas_al_empezar_de_cero\" >Com cobrir les teves necessitats b\u00e0siques en comen\u00e7ar de zero<\/a><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-12\" href=\"https:\/\/www.avafin.es\/ca\/blog\/empezar-de-cero-sin-dinero\/#Vivienda_y_alojamiento\" >Habitatge i allotjament<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-13\" href=\"https:\/\/www.avafin.es\/ca\/blog\/empezar-de-cero-sin-dinero\/#Alimentacion_y_gastos_esenciales\" >Alimentaci\u00f3 i despeses essencials<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-14\" href=\"https:\/\/www.avafin.es\/ca\/blog\/empezar-de-cero-sin-dinero\/#Transporte\" >Transport<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-15\" href=\"https:\/\/www.avafin.es\/ca\/blog\/empezar-de-cero-sin-dinero\/#Suministros_basicos_luz_gas_y_agua\" >Subministraments b\u00e0sics: llum, gas i aigua<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-16\" href=\"https:\/\/www.avafin.es\/ca\/blog\/empezar-de-cero-sin-dinero\/#Telefono_e_internet\" >Tel\u00e8fon i internet<\/a><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-17\" href=\"https:\/\/www.avafin.es\/ca\/blog\/empezar-de-cero-sin-dinero\/#La_importancia_de_planificar_tu_economia\" >La import\u00e0ncia de planificar la teva economia<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-18\" href=\"https:\/\/www.avafin.es\/ca\/blog\/empezar-de-cero-sin-dinero\/#Conclusion_el_objetivo_principal_al_empezar_desde_cero\" >Conclusi\u00f3: l&#039;objectiu principal en comen\u00e7ar des de zero<\/a><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-19\" href=\"https:\/\/www.avafin.es\/ca\/blog\/empezar-de-cero-sin-dinero\/#%C2%A1Informate_sobre_las_condiciones_de_nuestros_microcreditos_online\" >Informa&#039;t sobre les condicions dels nostres microcr\u00e8dits online!<\/a><\/li><\/ul><\/li><\/ul><\/nav><\/div>\n<h2><span class=\"ez-toc-section\" id=\"Que_implica_empezar_de_cero_sin_dinero\"><\/span><strong>Qu\u00e8 implica comen\u00e7ar de zero sense diners<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2><div class=\"av-itd-inner-blocks-content\"><div class=\"av-dots\"><\/div>\n<p class=\"wp-block-paragraph\">Haver de <strong>comen\u00e7ar de zero sense diners<\/strong> suposa partir d&#039;una situaci\u00f3 molt complicada, atesa la <strong>inseguretat econ\u00f2mica<\/strong> derivada de l&#039;abs\u00e8ncia d&#039;ingressos i estalvis, que es tradueix en la p\u00e8rdua de la <strong>estabilitat m\u00ednima<\/strong> que totes les persones necessiten.<\/p>\n<\/div><\/div><div class=\"av-itd-image-column\"><img loading=\"lazy\" decoding=\"async\" src=\"https:\/\/www.avafin.es\/wp-content\/uploads\/2026\/06\/que-implica-empezar-de-cero-sin-dinero.jpg\" alt=\"Persona revisant diners a la butxaca\" width=\"480\" height=\"480\"\/><\/div><\/div>\n\n\n\n<p class=\"wp-block-paragraph\">Aix\u00ed, veure amena\u00e7ada la cobertura de les <strong>necessitats b\u00e0siques<\/strong> genera una l\u00f2gica <strong>angoixa<\/strong> que afecta el dia a dia, m\u00e9s quan es manca d&#039;una <strong>xarxa de suport<\/strong> que pugui brindar consol i donar un cop de m\u00e0 mentre que no es reverteix la situaci\u00f3.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Encara que almenys s\u00ed que hi hauria un <strong>aspecte<\/strong> m\u00ednimament <strong>positiu<\/strong> si parlem de comen\u00e7ar de zero, ja que la pr\u00f2pia frase en tanca una <strong>voluntat de reinici <\/strong>que a efectes psicol\u00f2gics resulta molt valuosa com <strong>impuls<\/strong> per canviar les coses, i poder tornar a construir-se una <strong>vida estable<\/strong>.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Situaciones_habituales_que_llevan_a_empezar_de_cero\"><\/span><strong>Situacions habituals que porten a comen\u00e7ar de zero<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\"><a><\/a>Hi ha m\u00faltiples circumst\u00e0ncies vitals que poden obligar a fer <strong>taula rasa<\/strong> per comen\u00e7ar de nou.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Entre les situacions susceptibles de traduir-se en crisis personals o financeres estarien la <strong>p\u00e8rdua de la feina<\/strong> o els ingressos que es tenien, la <strong>acumulaci\u00f3 de deutes<\/strong> o les <a href=\"https:\/\/www.avafin.es\/ca\/bloc\/separar-me-sense-diners\/\" target=\"_blank\" rel=\"noreferrer noopener\"><strong>ruptures de parella<\/strong><\/a> i <strong>familiars<\/strong> que tamb\u00e9 comporten la fi de la sustentaci\u00f3 o el suport econ\u00f2mic amb qu\u00e8 es comptava, entre molts altres problemes que poden sobrevenir.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Aix\u00ed mateix, per descomptat, s&#039;ha de comen\u00e7ar des de zero amb la <a href=\"https:\/\/www.avafin.es\/ca\/bloc\/mudanca-urgent-sense-diners-solucions-rapides-i-legals\/\" target=\"_blank\" rel=\"noreferrer noopener\"><strong>mudan\u00e7a<\/strong><\/a> a una <strong>nova ciutat<\/strong> i no diguem ja a un altre <strong>pa\u00eds<\/strong>. Una cosa especialment \u00e0rdua si s&#039;ha de buscar feina tamb\u00e9, comptant amb l&#039;\u00fanic suport d&#039;uns m\u00ednims estalvis que minvaran de manera molt r\u00e0pida.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">En tots els casos que hem vist, fins i tot en els m\u00e9s dif\u00edcils, la millor aliada \u00e9s sempre la <strong>il\u00b7lusi\u00f3<\/strong> per millorar les coses, en aportar la <strong>for\u00e7a necess\u00e0ria<\/strong> per afrontar el cam\u00ed que ve per davant, per molt costa amunt que es faci i per molts obstacles que es puguin presentar.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Primer_paso_analizar_tu_situacion_real_sin_autoenganos\"><\/span><strong>Primer pas: analitzar la teva situaci\u00f3 real sense autoenganys<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Diuen que per a qualsevol travessia complicada el pas que m\u00e9s costa fer \u00e9s sempre el primer. Quan es comen\u00e7a des de zero sense diners passaria el mateix, mentre es requereix una <strong>presa de consci\u00e8ncia de la situaci\u00f3 prec\u00e0ria<\/strong> que es travessa sense draps calents, fent una crua an\u00e0lisi financera que inclogui els diferents aspectes clau.<\/p>\n\n\n<section id=\"cards-group-block_9f4db74667778744e6bb412130cdb425\" class=\"av-cards-group   av-cards-group-3 av-card-group-standard\" >\n            <div id=\"card-0\"\n            class=\"av-card\"\n            style=\"\"\n                    >\n                                <div class=\"av-cards-group-img-container\">\n                        <img decoding=\"async\" src=\"https:\/\/www.avafin.es\/wp-content\/uploads\/2024\/07\/transparent.png\" width=\"48\" height=\"48\" loading=\"lazy\" alt=\"\"\/>\n                    <\/div>\n                                                <h3><span class=\"ez-toc-section\" id=\"Ahorros_e_ingresos_actuales\"><\/span><p><strong>Estalvis i ingressos actuals<\/strong><\/p>\n<span class=\"ez-toc-section-end\"><\/span><\/h3>\n                                                <p><p>El primer seria quantificar els diners de qu\u00e8 es disposa, aix\u00ed com els possibles ingressos a percebre per m\u00ednims que siguin. \u00c9s important saber que a <strong>Espanya <\/strong>existeixen <a href=\"https:\/\/www.avafin.es\/ca\/bloc\/ajudes-despres-de-latur-2\/\" target=\"_blank\" rel=\"noreferrer noopener\"><strong>ajudes despr\u00e9s de l&#039;atur<\/strong><\/a> per a persones aturades a qui se&#039;ls ha esgotat la prestaci\u00f3 contributiva o no han cotitzat prou per obtenir-la. A m\u00e9s, la <strong>Seguretat Social<\/strong> tamb\u00e9 ofereix el <a href=\"https:\/\/imv.seg-social.es\/\" target=\"_blank\" rel=\"noreferrer noopener nofollow\"><strong>Ingr\u00e9s M\u00ednim Vital<\/strong><\/a> en situacions de car\u00e8ncia d&#039;ingressos de qualsevol mena.<\/p>\n<\/p>\n                                    <\/div>\n            <div id=\"card-1\"\n            class=\"av-card\"\n            style=\"\"\n                    >\n                                <div class=\"av-cards-group-img-container\">\n                        <img decoding=\"async\" src=\"https:\/\/www.avafin.es\/wp-content\/uploads\/2024\/05\/star_with_check_red-1.jpg\" width=\"48\" height=\"48\" loading=\"lazy\" alt=\"\"\/>\n                    <\/div>\n                                                <h3><span class=\"ez-toc-section\" id=\"Gastos_fijos_y_gastos_prescindibles\"><\/span><p><strong>Despeses fixes i despeses prescindibles<\/strong><\/p>\n<span class=\"ez-toc-section-end\"><\/span><\/h3>\n                                                <p><p><!-- wp:paragraph --><\/p>\n<p>Amb una disponibilitat econ\u00f2mica escassa ser\u00e0 crucial limitar els <strong>despeses<\/strong> als <strong>fixos obligatoris<\/strong> i als <strong>imprescindibles de subsist\u00e8ncia<\/strong>, particularment si s&#039;est\u00e0 comptant o es demanar\u00e0 ajuda a familiars i familiars.<\/p>\n<p><!-- \/wp:paragraph --> <!-- wp:paragraph --><\/p>\n<p>Tamb\u00e9 conv\u00e9 no caure al &#039;conte de la lletera&#039; a compte de <strong>futurs ingressos en perspectiva<\/strong>, per molt probable que sigui la seva arribada. La m\u00e0xima a aplicar \u00e9s <strong>preparar-se pel pitjor<\/strong>, cosa que no implica perdre l&#039;esperan\u00e7a que passi el millor.<\/p>\n<p><!-- \/wp:paragraph --><\/p>\n<\/p>\n                                    <\/div>\n            <div id=\"card-2\"\n            class=\"av-card\"\n            style=\"\"\n                    >\n                                <div class=\"av-cards-group-img-container\">\n                        <img decoding=\"async\" src=\"https:\/\/www.avafin.es\/wp-content\/uploads\/2024\/08\/stopwatch_red.png\" width=\"48\" height=\"48\" loading=\"lazy\" alt=\"\"\/>\n                    <\/div>\n                                                <h3><span class=\"ez-toc-section\" id=\"Deudas_y_compromisos_financieros_pendientes\"><\/span><p><strong>Deutes i compromisos financers pendents<\/strong><\/p>\n<span class=\"ez-toc-section-end\"><\/span><\/h3>\n                                                <p><p>L&#039;exist\u00e8ncia de <strong>deutes pendents de pagament<\/strong> suposa una q\u00fcesti\u00f3 determinant a l&#039;hora de tornar a comen\u00e7ar. \u00d2bviament dependr\u00e0 de la seva quantia i de si ja ha caigut en una situaci\u00f3 de <a href=\"https:\/\/www.avafin.es\/ca\/bloc\/llista-de-morosos-nom\/\" target=\"_blank\" rel=\"noreferrer noopener\"><strong>morositat<\/strong><\/a>, per\u00f2 en darrer terme implicaria no poder comen\u00e7ar ni tan sols des de zero, sin\u00f3 devent uns diners, susceptibles de pesar com un <strong>llast<\/strong> a la travessia fins a assolir la meta desitjada de la <strong>estabilitat<\/strong>.<\/p>\n<\/p>\n                                    <\/div>\n    <\/section>\n\n\n\n<p class=\"wp-block-paragraph\">En circumst\u00e0ncies aix\u00ed, conv\u00e9 <strong>estudiar <\/strong>diverses <strong>opcions <\/strong>disponibles:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><a href=\"https:\/\/www.avafin.es\/ca\/bloc\/coneix-com-es-poden-reunir-deutes\/\" target=\"_blank\" rel=\"noreferrer noopener\"><strong>Reunificar deutes<\/strong><\/a> si en coincideixen diverses, en poder significar pagar <strong>una \u00fanica quota m\u00e9s assumible<\/strong>.<\/li>\n\n\n\n<li>En cas que s&#039;estigui pagant una <strong>hipoteca<\/strong>, intentar negociar amb el banc una eventual <a href=\"https:\/\/www.avafin.es\/ca\/bloc\/ampliacio-dhipoteca\/\" target=\"_blank\" rel=\"noreferrer noopener\"><strong>ampliaci\u00f3<\/strong><\/a> per <strong>reduir l&#039;import dels pagaments<\/strong> quota a canvi daugmentar el termini damortitzaci\u00f3.<\/li>\n\n\n\n<li>Veure la teva viabilitat per acollir-te a la <a href=\"https:\/\/www.boe.es\/buscar\/act.php?id=BOE-A-2015-8469\" target=\"_blank\" rel=\"noreferrer noopener\"><strong>Llei de Segona Oportunitat<\/strong><\/a> per cancel\u00b7lar deutes. Recordeu que nom\u00e9s en casos extrems d&#039;insolv\u00e8ncia generalitzada, heu de valorar aquesta opci\u00f3 amb assessorament legal especialitzat. Si et confirmen que la teva situaci\u00f3 encaixaria a la Llei de la Segona oportunitat, pots sol\u00b7licitar aquest recurs excepcional que requereix procediment judicial.<\/li>\n\n\n\n<li>Tractar de <strong>anul\u00b7lar <\/strong>eventuals deutes procedents de <strong>targetes revolving<\/strong>, per a la qual cosa es pot comptar amb lajuda de despatxos professionals que cobren els seus honoraris una vegada que la reclamaci\u00f3 t\u00e9 \u00e8xit i es fa efectiva.<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">En qualsevol cas, davant la convicci\u00f3 que no es podr\u00e0 respondre de les obligacions contretes ser\u00e0 recomanable una <strong>actitud proactiva<\/strong>, en comptes de fer la &#039;t\u00e0ctica de l&#039;estru\u00e7&#039;, anticipant-se a les reclamacions dels <strong>creditors<\/strong> contactant amb ells per exposar-los la situaci\u00f3, i plantejar-los un <strong>pla de pagaments<\/strong> que sigui viable.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Busqueda_de_ingresos_alternativos_para_empezar_a_remontar\"><\/span><strong>Cerca d&#039;ingressos alternatius per comen\u00e7ar a remuntar<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\"><a><\/a>Un cop fets els comptes i pres consci\u00e8ncia de la situaci\u00f3 financera real, arribaria el moment d&#039;estudiar les <strong>perspectives d&#039;obtenir ingressos immediats<\/strong>.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Trabajos_temporales_o_puntuales\"><\/span>Treballs temporals o puntuals<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Es tractaria de cercar <a href=\"https:\/\/www.avafin.es\/ca\/bloc\/treballs-temporals-mes-ben-pagats-i-quan-compensen\/\" target=\"_blank\" rel=\"noreferrer noopener\"><strong>llocs temporals<\/strong><\/a> a <strong>n\u00ednxols amb alta demanda<\/strong> de <strong>treballadors<\/strong> com els <strong>treballs agr\u00edcoles estacionals<\/strong>, els <strong>auxiliars de la construcci\u00f3<\/strong> (per exemple, els de pe\u00f3 de paleta) o fins i tot al <strong>sector tur\u00edstic <\/strong>i en la <strong>hostaleria<\/strong> de certes zones d&#039;Espanya on hi ha un d\u00e8ficit cr\u00f2nic de treballadors.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Ingresos_online\"><\/span><a><\/a>Ingressos en l\u00ednia<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">L&#039;era d&#039;internet i la digitalitzaci\u00f3 ofereix l&#039;oportunitat de <strong>treure&#039;s uns diners en feines des de casa<\/strong>. Si b\u00e9 conv\u00e9 no deixar-se embaucar per <strong>promeses falses<\/strong>, ni pensar que aquesta ser\u00e0 la <strong>soluci\u00f3 <\/strong>per poder <strong>comen\u00e7ar de zero<\/strong>, ja que parlem de petites tasques que permetran obtenir tan sols uns m\u00ednims <a href=\"https:\/\/www.avafin.es\/ca\/bloc\/ingressos-extra-curt-termini\/\" target=\"_blank\" rel=\"noreferrer noopener\"><strong>ingressos extra a curt termini<\/strong><\/a> que, aix\u00f2 s\u00ed, poden venir molt b\u00e9.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Venta_de_articulos_que_no_necesitas\"><\/span><a><\/a>Venda d&#039;articles que no necessites<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">El <strong>mercat en l\u00ednia de segona m\u00e0 <\/strong>tamb\u00e9 obre la porta a aconseguir uns diners venent coses de les que puguis desfer-te, des de <strong>roba i complements<\/strong> a <strong>Vinted<\/strong> fins a qualsevol article susceptible de despertar inter\u00e8s en un mercat tan ampli com els milions d&#039;usuaris de <a href=\"https:\/\/www.avafin.es\/ca\/bloc\/de-vendre-a-wallapop-per-guanyar-diners\/\" target=\"_blank\" rel=\"noreferrer noopener\"><strong>Wallapop<\/strong><\/a>.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Como_cubrir_tus_necesidades_basicas_al_empezar_de_cero\"><\/span><strong>Com cobrir les teves necessitats b\u00e0siques en comen\u00e7ar de zero<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">L&#039;objectiu seria economitzar tot all\u00f2 possible en la cobertura de les necessitats b\u00e0siques, primordialment per poder arribar a totes amb uns m\u00ednims.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Vivienda_y_alojamiento\"><\/span><a><\/a>Habitatge i allotjament<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Si no n&#039;hi ha una <strong>casa familiar<\/strong> a la qual retornar temporalment, caldria valorar la possibilitat de <strong>compartir habitatge<\/strong> de manera transit\u00f2ria, o b\u00e9 veure la viabilitat d&#039;altres <strong>solucions habitacionals econ\u00f2miques<\/strong>, amb el lloguer des de cases de fusta fins de <strong>caravanes <\/strong>o <strong>furgonetes camperitzades<\/strong>. De fet, malauradament, aquestes s&#039;estan convertint en una via d&#039;allotjament fins i tot per <strong>treballadors en actiu<\/strong> del sector de l&#039;hostaleria a <a href=\"https:\/\/elpais.com\/economia\/2024-06-23\/el-infierno-de-vivir-en-ibiza-trabajadores-en-caravanas-y-habitaciones-a-1000-euros.html\" target=\"_blank\" rel=\"noreferrer noopener nofollow\"><strong>llocs on es d\u00f3na molta pressi\u00f3 tur\u00edstica<\/strong><\/a>.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Alimentacion_y_gastos_esenciales\"><\/span><a><\/a>Alimentaci\u00f3 i despeses essencials<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Amb la idea de gastar el m\u00ednim imprescindible, s&#039;haurien de tenir en compte tot un seguit d&#039;estrat\u00e8gies, consells i trucs per <a href=\"https:\/\/www.avafin.es\/ca\/bloc\/com-estalviar-en-la-compra\/\" target=\"_blank\" rel=\"noreferrer noopener\"><strong>estalviar a la cistella de la compra<\/strong><\/a>, des de <strong>comparar preus<\/strong> fins a aprofitar <strong>cupons de descompte<\/strong> o baixades de preus d&#039;aliments propers a caducar.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Transporte\"><\/span><a><\/a>Transport<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">A l&#039;hora de despla\u00e7ar-se convindria fer-ne els <strong>trajectes a peu<\/strong> quan sigui factible, i tamb\u00e9 aprofitar totes les oportunitats de <strong><a href=\"https:\/\/serveiocupacio.gencat.cat\/es\/persones\/estic-atur\/prestacions-subsidis\/ajuts-transport-public-persones-situacio-atur\/\" target=\"_blank\" rel=\"noreferrer noopener\">descomptes al transport p\u00fablic<\/a><\/strong>, on al marge de poder-se estalviar amb els <strong>adobs <\/strong>per a m\u00faltiples viatges existeixen <strong>descomptes <\/strong>addicionals per <strong>aturats<\/strong>.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Si \u00e9s viable, baralla l&#039;opci\u00f3 de la <strong>bici<\/strong>, pel fet que et permetr\u00e0 economitzar en els teus despla\u00e7aments, fer exercici i fins i tot aclarir-te mentalment sortint a passejar amb ella.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Suministros_basicos_luz_gas_y_agua\"><\/span>Subministraments b\u00e0sics: llum, gas i aigua<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">\u00c9s essencial aplicar <strong>pautes d&#039;estalvi<\/strong> en el consum de <a href=\"https:\/\/www.avafin.es\/ca\/bloc\/com-estalviar-en-llum\/\" target=\"_blank\" rel=\"noreferrer noopener\"><strong>llum<\/strong><\/a>, &nbsp;<strong>gas <\/strong>i <a href=\"https:\/\/www.avafin.es\/ca\/bloc\/com-estalviar-aigua\/\" target=\"_blank\" rel=\"noreferrer noopener\"><strong>aigua<\/strong><\/a>, i fins i tot contractar <strong>menys pot\u00e8ncia<\/strong> en el cas del subministrament el\u00e8ctric i canviar la <strong>modalitat de factura<\/strong> tant d&#039;aquest com del gas, veient si ixen m\u00e9s a compte les tarifes regulades o les lliures.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">A m\u00e9s, hi ha tamb\u00e9 <a href=\"https:\/\/www.miteco.gob.es\/es\/energia\/pobreza-energetica\/pe-001.html\" target=\"_blank\" rel=\"noreferrer noopener nofollow\"><strong>bons socials el\u00e8ctrics i t\u00e8rmics<\/strong><\/a> per als consumidors m\u00e9s vulnerables, amb descomptes encara m\u00e9s grans per als <strong>vulnerables severs<\/strong>.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Telefono_e_internet\"><\/span><a><\/a>Tel\u00e8fon i internet<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">El m\u00f2bil i internet entrarien dins de les <strong>necessitats b\u00e0siques<\/strong>, ja que m\u00e9s enll\u00e0 de la import\u00e0ncia d&#039;estar comunicat i connectat amb els altres, es tracta del tel\u00e8fon amb qu\u00e8 ens van a <strong>poder contactar<\/strong> si n&#039;hem presentat una <strong>candidatura a una oferta de feina<\/strong> o de la <strong>via web<\/strong> que, precisament, centralitza en aquests temps la <strong>recerca de feina<\/strong>.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Actualment, es pot accedir a <a href=\"https:\/\/www.xatakamovil.com\/comparativa-de-tarifas\/tarjetas-sim-prepago-gratuitas-como-conseguirlas-opciones-disponibles\" target=\"_blank\" rel=\"noreferrer noopener\"><strong>targetes SIM prepagament gratu\u00eftes<\/strong><\/a>, mentre que per <strong>connectar-se a internet<\/strong>, encara que sigui per consultar el correu i tot all\u00f2 relacionat amb els portals d&#039;ocupaci\u00f3, estaria l&#039;opci\u00f3 que ofereixen moltes <strong><a href=\"https:\/\/www.red.es\/es\/area-prensa\/notas-prensa\/la-biblioteca-nacional-de-espana-bne-y-redes-presentan-el-portal-0\" target=\"_blank\" rel=\"noreferrer noopener\">biblioteques p\u00fabliques<\/a><\/strong>: reservar <strong>gratu\u00eftament<\/strong> <strong>llocs amb acc\u00e9s a ordinador i wifi<\/strong>, demanant com a \u00fanic requisit la disposici\u00f3 del carnet d&#039;usuari.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"La_importancia_de_planificar_tu_economia\"><\/span><strong>La import\u00e0ncia de planificar la teva economia<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Per molt que la situaci\u00f3 convidi a anar sobrevivint al dia, a fi de poder comen\u00e7ar des de zero amb aspiracions reals de sortir del pou ser\u00e0 molt important aplicar-ne una <strong>planificaci\u00f3 econ\u00f2mica<\/strong>, tenint en compte<a><\/a>:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Creaci\u00f3 d&#039;un <strong>pressupost m\u00ednim de superviv\u00e8ncia<\/strong>, aplicant <a href=\"https:\/\/www.avafin.es\/ca\/bloc\/regles-destalvi\/\" target=\"_blank\" rel=\"noreferrer noopener\"><strong>regles de despesa<\/strong><\/a> estrictes. <\/li>\n\n\n\n<li><strong>Prioritzar pagaments essencials<\/strong> i posposar aquells susceptibles de <strong>endarrerir-se <\/strong>sempre que no impliquin una <strong>penalitzaci\u00f3<\/strong>. Tingues present que els retards amb certs <strong>rebuts <\/strong>impliquen <strong>rec\u00e0rrecs addicionals<\/strong> i, fins i tot, poden donar lloc a <strong>talls de subministraments <\/strong>b\u00e0sics.<\/li>\n\n\n\n<li><strong>Evitar decisions impulsives<\/strong>: particularment les <a href=\"https:\/\/www.avafin.es\/ca\/bloc\/compres-impulsives-consequencies\/\" target=\"_blank\" rel=\"noreferrer noopener\"><strong>compres per impuls<\/strong><\/a>, que no estan planificades per endavant amb base en unes <strong>necessitats reals<\/strong>, i eventualment ni tan sols obeeixen a una decisi\u00f3 racional.<\/li>\n\n\n\n<li><strong>Controlar cada despesa, per petit que sigui<\/strong>: amb la vista especialment posada als <a href=\"https:\/\/www.avafin.es\/ca\/bloc\/despeses-formiga-exemples\/\" target=\"_blank\" rel=\"noreferrer noopener\"><strong>pagaments formiga<\/strong><\/a>, utilitzats tamb\u00e9 com a via d&#039;evasi\u00f3 i el baix import del qual contribueix que no li donem la import\u00e0ncia que mereixen, quan la seva <strong>acumulaci\u00f3 <\/strong>suposa una suma quantiosa que acaba suposant un <strong>llast important<\/strong> a <strong>situacions prec\u00e0ries<\/strong>.<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Conclusion_el_objetivo_principal_al_empezar_desde_cero\"><\/span><strong>Conclusi\u00f3: l&#039;objectiu principal en comen\u00e7ar des de zero<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">L&#039;objectiu de la teva planificaci\u00f3 financera quan comences de zero \u00e9s centrar-se al principi en <strong>petits objectius<\/strong>, amb la idea de <strong>recuperar el control <\/strong>a poc a poc i poder assolir l&#039;anhelada <strong>estabilitat a mitj\u00e0 termini<\/strong>.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">No caiguis a <strong>errors<\/strong> com creure en <strong>dreceres <\/strong>que en moltes ocasions s\u00f3n &#039;venuts&#039; per <strong>desaprensius <\/strong>que busquen aprofitar-se de persones en situaci\u00f3 de <strong>vulnerabilitat <\/strong>per cometre <a href=\"https:\/\/www.avafin.es\/ca\/bloc\/fraus-financers-en-auge\/\" target=\"_blank\" rel=\"noreferrer noopener\"><strong>estafes i fraus<\/strong><\/a>.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Si et costa arribar a final de mes o tens una emerg\u00e8ncia com les que esmentem, el primer \u00e9s revisar si n&#039;hi ha alguna <a href=\"https:\/\/www.avafin.es\/ca\/bloc\/ajuda-economica-urgent\/\" target=\"_blank\" rel=\"noreferrer noopener\"><strong>ajuda econ\u00f2mica urgent puntual<\/strong><\/a> que apliqui al teu cas. Si no en trobes una que s&#039;ajusti a la teva situaci\u00f3, a AvaFin estudiem cada sol\u00b7licitud de microcr\u00e8dit de forma individual, valorant si el client pot tornar-lo sense agreujar la seva situaci\u00f3. Si no hi encaixa, tamb\u00e9 t&#039;ho direm amb claredat.<\/p>\n\n\n\n<h3 class=\"wp-block-heading has-text-align-center\"><span class=\"ez-toc-section\" id=\"%C2%A1Informate_sobre_las_condiciones_de_nuestros_microcreditos_online\"><\/span>Informa&#039;t sobre les condicions dels nostres <a href=\"https:\/\/www.avafin.es\/ca\/minicredits\/\" target=\"_blank\" rel=\"noreferrer noopener\"><strong>microcr\u00e8dits online<\/strong><\/a>!<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<div class=\"wp-block-group\"><div class=\"wp-block-group__inner-container is-layout-constrained wp-block-group-is-layout-constrained\">\n<p class=\"has-text-align-center wp-block-paragraph\">Comprova que senzill \u00e9s tenir un pr\u00e9stec<\/p>\n\n\n\n<div style=\"margin: auto;\" class=\"flex flex-res\">\n<a id=\"av-get-loan\" class=\"btn btn-cta btn-lg force-data-base-url\" href=\"https:\/\/portal.avafin.es\/wp-registerCreditosi\" style=\"display: inline-block; margin: auto\">Sol\u00b7licitar<\/a>\n<\/div>\n<\/div><\/div>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>","protected":false},"excerpt":{"rendered":"<p>Empezar de cero sin dinero es una situaci\u00f3n que implica reorganizar tu situaci\u00f3n cuando el estr\u00e9s puede estar al m\u00e1ximo, careces de ingresos o alg\u00fan ahorro. Lo primero es priorizar lo esencial como vivienda, alimentaci\u00f3n y comunicaci\u00f3n, para que poco a poco vayas construyendo una base econ\u00f3mica estable. Recuerda que no hay soluciones m\u00e1gicas, pero [&hellip;]<\/p>\n","protected":false},"author":23,"featured_media":10480,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":"","jetpack_publicize_message":"","jetpack_publicize_feature_enabled":false,"jetpack_social_post_already_shared":false,"jetpack_social_options":{"image_generator_settings":{"template":"highway","default_image_id":0,"font":"","enabled":false},"version":2}},"categories":[26,23],"tags":[],"class_list":["post-10479","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-ayudas","category-educacion-financiera"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v28.0 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Empezar de cero sin dinero: pasos realistas para reorganizarte | AvaFin Espa\u00f1a<\/title>\n<meta name=\"description\" content=\"Empezar de cero sin dinero: gu\u00eda realista con pasos pr\u00e1cticos, ayudas disponibles, estrategias de ingresos y planificaci\u00f3n financiera de emergencia.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.avafin.es\/ca\/bloc\/comencar-de-zero-sense-diners\" \/>\n<meta property=\"og:locale\" content=\"ca_ES\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Empezar de cero sin dinero: c\u00f3mo hacerlo\" \/>\n<meta property=\"og:description\" content=\"Empezar de cero sin dinero: gu\u00eda realista con pasos pr\u00e1cticos, ayudas disponibles, estrategias de ingresos y planificaci\u00f3n financiera de emergencia.\" \/>\n<meta property=\"og:url\" content=\"https:\/\/www.avafin.es\/ca\/bloc\/comencar-de-zero-sense-diners\" \/>\n<meta property=\"og:site_name\" content=\"AvaFin Espa\u00f1a\" \/>\n<meta property=\"article:published_time\" content=\"2026-06-03T15:03:20+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2026-06-03T15:17:11+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/www.avafin.es\/wp-content\/uploads\/2026\/05\/empezar-de-cero-sin-dinero.png\" \/>\n\t<meta property=\"og:image:width\" content=\"1536\" \/>\n\t<meta property=\"og:image:height\" content=\"1024\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/png\" \/>\n<meta name=\"author\" content=\"Daniel Escudero\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:title\" content=\"Empezar de cero sin dinero: c\u00f3mo hacerlo\" \/>\n<meta name=\"twitter:description\" content=\"Empezar de cero sin dinero: gu\u00eda realista con pasos pr\u00e1cticos, ayudas disponibles, estrategias de ingresos y planificaci\u00f3n financiera de emergencia.\" \/>\n<meta name=\"twitter:image\" content=\"https:\/\/www.avafin.es\/wp-content\/uploads\/2026\/05\/empezar-de-cero-sin-dinero.png\" \/>\n<meta name=\"twitter:label1\" content=\"Written by\" \/>\n\t<meta name=\"twitter:data1\" content=\"Daniel Escudero\" \/>\n\t<meta name=\"twitter:label2\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data2\" content=\"9 minuts\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\\\/\\\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\\\/\\\/www.avafin.es\\\/ca\\\/blog\\\/empezar-de-cero-sin-dinero#article\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/www.avafin.es\\\/ca\\\/blog\\\/empezar-de-cero-sin-dinero\"},\"author\":{\"name\":\"Daniel Escudero\",\"@id\":\"https:\\\/\\\/www.avafin.es\\\/ca\\\/#\\\/schema\\\/person\\\/dfcbcd68c6560ce5045e2e9ad2b802e5\"},\"headline\":\"Empezar de cero sin dinero: c\u00f3mo hacerlo\",\"datePublished\":\"2026-06-03T15:03:20+00:00\",\"dateModified\":\"2026-06-03T15:17:11+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\\\/\\\/www.avafin.es\\\/ca\\\/blog\\\/empezar-de-cero-sin-dinero\"},\"wordCount\":1839,\"image\":{\"@id\":\"https:\\\/\\\/www.avafin.es\\\/ca\\\/blog\\\/empezar-de-cero-sin-dinero#primaryimage\"},\"thumbnailUrl\":\"https:\\\/\\\/www.avafin.es\\\/wp-content\\\/uploads\\\/2026\\\/05\\\/empezar-de-cero-sin-dinero.png\",\"articleSection\":[\"Ayudas\",\"Educaci\u00f3n financiera\"],\"inLanguage\":\"ca\"},{\"@type\":[\"WebPage\",\"ItemPage\"],\"@id\":\"https:\\\/\\\/www.avafin.es\\\/ca\\\/blog\\\/empezar-de-cero-sin-dinero\",\"url\":\"https:\\\/\\\/www.avafin.es\\\/ca\\\/blog\\\/empezar-de-cero-sin-dinero\",\"name\":\"Empezar de cero sin dinero: pasos realistas para reorganizarte | AvaFin Espa\u00f1a\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/www.avafin.es\\\/ca\\\/#website\"},\"primaryImageOfPage\":{\"@id\":\"https:\\\/\\\/www.avafin.es\\\/ca\\\/blog\\\/empezar-de-cero-sin-dinero#primaryimage\"},\"image\":{\"@id\":\"https:\\\/\\\/www.avafin.es\\\/ca\\\/blog\\\/empezar-de-cero-sin-dinero#primaryimage\"},\"thumbnailUrl\":\"https:\\\/\\\/www.avafin.es\\\/wp-content\\\/uploads\\\/2026\\\/05\\\/empezar-de-cero-sin-dinero.png\",\"datePublished\":\"2026-06-03T15:03:20+00:00\",\"dateModified\":\"2026-06-03T15:17:11+00:00\",\"author\":{\"@id\":\"https:\\\/\\\/www.avafin.es\\\/ca\\\/#\\\/schema\\\/person\\\/dfcbcd68c6560ce5045e2e9ad2b802e5\"},\"description\":\"Empezar de cero sin dinero: gu\u00eda realista con pasos pr\u00e1cticos, ayudas disponibles, estrategias de ingresos y planificaci\u00f3n financiera de emergencia.\",\"breadcrumb\":{\"@id\":\"https:\\\/\\\/www.avafin.es\\\/ca\\\/blog\\\/empezar-de-cero-sin-dinero#breadcrumb\"},\"inLanguage\":\"ca\",\"potentialAction\":[{\"@type\":\"ReadAction\",\"target\":[\"https:\\\/\\\/www.avafin.es\\\/ca\\\/blog\\\/empezar-de-cero-sin-dinero\"]}]},{\"@type\":\"ImageObject\",\"inLanguage\":\"ca\",\"@id\":\"https:\\\/\\\/www.avafin.es\\\/ca\\\/blog\\\/empezar-de-cero-sin-dinero#primaryimage\",\"url\":\"https:\\\/\\\/www.avafin.es\\\/wp-content\\\/uploads\\\/2026\\\/05\\\/empezar-de-cero-sin-dinero.png\",\"contentUrl\":\"https:\\\/\\\/www.avafin.es\\\/wp-content\\\/uploads\\\/2026\\\/05\\\/empezar-de-cero-sin-dinero.png\",\"width\":1536,\"height\":1024,\"caption\":\"Salir adelante sin dinero ni ahorros: estrategias reales para organizar gastos, ahorrar y empezar de cero paso a paso.\"},{\"@type\":\"BreadcrumbList\",\"@id\":\"https:\\\/\\\/www.avafin.es\\\/ca\\\/blog\\\/empezar-de-cero-sin-dinero#breadcrumb\",\"itemListElement\":[{\"@type\":\"ListItem\",\"position\":1,\"name\":\"Inicio\",\"item\":\"https:\\\/\\\/www.avafin.es\\\/\"},{\"@type\":\"ListItem\",\"position\":2,\"name\":\"Ajuts\",\"item\":\"https:\\\/\\\/www.avafin.es\\\/blog\\\/ayudas\"},{\"@type\":\"ListItem\",\"position\":3,\"name\":\"Empezar de cero sin dinero: c\u00f3mo hacerlo\"}]},{\"@type\":\"WebSite\",\"@id\":\"https:\\\/\\\/www.avafin.es\\\/ca\\\/#website\",\"url\":\"https:\\\/\\\/www.avafin.es\\\/ca\\\/\",\"name\":\"AvaFin Espa\u00f1a\",\"description\":\"\",\"potentialAction\":[{\"@type\":\"SearchAction\",\"target\":{\"@type\":\"EntryPoint\",\"urlTemplate\":\"https:\\\/\\\/www.avafin.es\\\/ca\\\/?s={search_term_string}\"},\"query-input\":{\"@type\":\"PropertyValueSpecification\",\"valueRequired\":true,\"valueName\":\"search_term_string\"}}],\"inLanguage\":\"ca\"},{\"@type\":\"Person\",\"@id\":\"https:\\\/\\\/www.avafin.es\\\/ca\\\/#\\\/schema\\\/person\\\/dfcbcd68c6560ce5045e2e9ad2b802e5\",\"name\":\"Daniel Escudero\",\"pronouns\":\"\u00c9l\",\"image\":{\"@type\":\"ImageObject\",\"inLanguage\":\"ca\",\"@id\":\"https:\\\/\\\/www.avafin.es\\\/wp-content\\\/uploads\\\/2026\\\/04\\\/cropped-Daniel-Escudero-Avafin-96x96.png\",\"url\":\"https:\\\/\\\/www.avafin.es\\\/wp-content\\\/uploads\\\/2026\\\/04\\\/cropped-Daniel-Escudero-Avafin-96x96.png\",\"contentUrl\":\"https:\\\/\\\/www.avafin.es\\\/wp-content\\\/uploads\\\/2026\\\/04\\\/cropped-Daniel-Escudero-Avafin-96x96.png\",\"caption\":\"Daniel Escudero\"},\"description\":\"Daniel Escudero es director de marketing de AvaFin Espa\u00f1a, con m\u00e1s de 13 a\u00f1os de experiencia en marketing y 8 a\u00f1os especializados en el sector financiero. En AvaFin lidera la estrategia de marketing y la inclusi\u00f3n financiera, pr\u00e9stamos r\u00e1pidos y educaci\u00f3n sobre productos crediticios para personas con dificultades de acceso a la banca tradicional.\",\"sameAs\":[\"http:\\\/\\\/www.avafin.es\",\"https:\\\/\\\/www.linkedin.com\\\/in\\\/daniel-escudero-1a66b8b8\\\/?skipRedirect=true\"],\"url\":\"https:\\\/\\\/www.avafin.es\\\/ca\\\/blog\\\/author\\\/daniel\"}]}<\/script>\n<!-- \/ Yoast SEO plugin. -->","yoast_head_json":{"title":"Comen\u00e7ar de zero sense diners: passos realistes per reorganitzar-te | AvaFin Espanya","description":"Comen\u00e7ar de zero sense diners: guia realista amb passos pr\u00e0ctics, ajuts disponibles, estrat\u00e8gies d&#039;ingressos i planificaci\u00f3 financera d&#039;emerg\u00e8ncia.","robots":{"index":"index","follow":"follow","max-snippet":"max-snippet:-1","max-image-preview":"max-image-preview:large","max-video-preview":"max-video-preview:-1"},"canonical":"https:\/\/www.avafin.es\/ca\/bloc\/comencar-de-zero-sense-diners","og_locale":"ca_ES","og_type":"article","og_title":"Empezar de cero sin dinero: c\u00f3mo hacerlo","og_description":"Empezar de cero sin dinero: gu\u00eda realista con pasos pr\u00e1cticos, ayudas disponibles, estrategias de ingresos y planificaci\u00f3n financiera de emergencia.","og_url":"https:\/\/www.avafin.es\/ca\/bloc\/comencar-de-zero-sense-diners","og_site_name":"AvaFin Espa\u00f1a","article_published_time":"2026-06-03T15:03:20+00:00","article_modified_time":"2026-06-03T15:17:11+00:00","og_image":[{"width":1536,"height":1024,"url":"https:\/\/www.avafin.es\/wp-content\/uploads\/2026\/05\/empezar-de-cero-sin-dinero.png","type":"image\/png"}],"author":"Daniel Escudero","twitter_card":"summary_large_image","twitter_title":"Empezar de cero sin dinero: c\u00f3mo hacerlo","twitter_description":"Empezar de cero sin dinero: gu\u00eda realista con pasos pr\u00e1cticos, ayudas disponibles, estrategias de ingresos y planificaci\u00f3n financiera de emergencia.","twitter_image":"https:\/\/www.avafin.es\/wp-content\/uploads\/2026\/05\/empezar-de-cero-sin-dinero.png","twitter_misc":{"Written by":"Daniel Escudero","Est. reading time":"9 minuts"},"schema":{"@context":"https:\/\/schema.org","@graph":[{"@type":"Article","@id":"https:\/\/www.avafin.es\/ca\/blog\/empezar-de-cero-sin-dinero#article","isPartOf":{"@id":"https:\/\/www.avafin.es\/ca\/blog\/empezar-de-cero-sin-dinero"},"author":{"name":"Daniel Escudero","@id":"https:\/\/www.avafin.es\/ca\/#\/schema\/person\/dfcbcd68c6560ce5045e2e9ad2b802e5"},"headline":"Empezar de cero sin dinero: c\u00f3mo hacerlo","datePublished":"2026-06-03T15:03:20+00:00","dateModified":"2026-06-03T15:17:11+00:00","mainEntityOfPage":{"@id":"https:\/\/www.avafin.es\/ca\/blog\/empezar-de-cero-sin-dinero"},"wordCount":1839,"image":{"@id":"https:\/\/www.avafin.es\/ca\/blog\/empezar-de-cero-sin-dinero#primaryimage"},"thumbnailUrl":"https:\/\/www.avafin.es\/wp-content\/uploads\/2026\/05\/empezar-de-cero-sin-dinero.png","articleSection":["Ayudas","Educaci\u00f3n financiera"],"inLanguage":"ca"},{"@type":["WebPage","ItemPage"],"@id":"https:\/\/www.avafin.es\/ca\/blog\/empezar-de-cero-sin-dinero","url":"https:\/\/www.avafin.es\/ca\/blog\/empezar-de-cero-sin-dinero","name":"Comen\u00e7ar de zero sense diners: passos realistes per reorganitzar-te | AvaFin Espanya","isPartOf":{"@id":"https:\/\/www.avafin.es\/ca\/#website"},"primaryImageOfPage":{"@id":"https:\/\/www.avafin.es\/ca\/blog\/empezar-de-cero-sin-dinero#primaryimage"},"image":{"@id":"https:\/\/www.avafin.es\/ca\/blog\/empezar-de-cero-sin-dinero#primaryimage"},"thumbnailUrl":"https:\/\/www.avafin.es\/wp-content\/uploads\/2026\/05\/empezar-de-cero-sin-dinero.png","datePublished":"2026-06-03T15:03:20+00:00","dateModified":"2026-06-03T15:17:11+00:00","author":{"@id":"https:\/\/www.avafin.es\/ca\/#\/schema\/person\/dfcbcd68c6560ce5045e2e9ad2b802e5"},"description":"Comen\u00e7ar de zero sense diners: guia realista amb passos pr\u00e0ctics, ajuts disponibles, estrat\u00e8gies d&#039;ingressos i planificaci\u00f3 financera d&#039;emerg\u00e8ncia.","breadcrumb":{"@id":"https:\/\/www.avafin.es\/ca\/blog\/empezar-de-cero-sin-dinero#breadcrumb"},"inLanguage":"ca","potentialAction":[{"@type":"ReadAction","target":["https:\/\/www.avafin.es\/ca\/blog\/empezar-de-cero-sin-dinero"]}]},{"@type":"ImageObject","inLanguage":"ca","@id":"https:\/\/www.avafin.es\/ca\/blog\/empezar-de-cero-sin-dinero#primaryimage","url":"https:\/\/www.avafin.es\/wp-content\/uploads\/2026\/05\/empezar-de-cero-sin-dinero.png","contentUrl":"https:\/\/www.avafin.es\/wp-content\/uploads\/2026\/05\/empezar-de-cero-sin-dinero.png","width":1536,"height":1024,"caption":"Salir adelante sin dinero ni ahorros: estrategias reales para organizar gastos, ahorrar y empezar de cero paso a paso."},{"@type":"BreadcrumbList","@id":"https:\/\/www.avafin.es\/ca\/blog\/empezar-de-cero-sin-dinero#breadcrumb","itemListElement":[{"@type":"ListItem","position":1,"name":"Inicio","item":"https:\/\/www.avafin.es\/"},{"@type":"ListItem","position":2,"name":"Ajuts","item":"https:\/\/www.avafin.es\/blog\/ayudas"},{"@type":"ListItem","position":3,"name":"Empezar de cero sin dinero: c\u00f3mo hacerlo"}]},{"@type":"WebSite","@id":"https:\/\/www.avafin.es\/ca\/#website","url":"https:\/\/www.avafin.es\/ca\/","name":"AvaFin Espanya","description":"","potentialAction":[{"@type":"SearchAction","target":{"@type":"EntryPoint","urlTemplate":"https:\/\/www.avafin.es\/ca\/?s={search_term_string}"},"query-input":{"@type":"PropertyValueSpecification","valueRequired":true,"valueName":"search_term_string"}}],"inLanguage":"ca"},{"@type":"Person","@id":"https:\/\/www.avafin.es\/ca\/#\/schema\/person\/dfcbcd68c6560ce5045e2e9ad2b802e5","name":"Daniel Escudero","pronouns":"\u00c9l","image":{"@type":"ImageObject","inLanguage":"ca","@id":"https:\/\/www.avafin.es\/wp-content\/uploads\/2026\/04\/cropped-Daniel-Escudero-Avafin-96x96.png","url":"https:\/\/www.avafin.es\/wp-content\/uploads\/2026\/04\/cropped-Daniel-Escudero-Avafin-96x96.png","contentUrl":"https:\/\/www.avafin.es\/wp-content\/uploads\/2026\/04\/cropped-Daniel-Escudero-Avafin-96x96.png","caption":"Daniel Escudero"},"description":"Daniel Escudero \u00e9s director de m\u00e0rqueting de AvaFin Espanya, amb m\u00e9s de 13 anys d&#039;experi\u00e8ncia en m\u00e0rqueting i 8 anys especialitzats al sector financer. A AvaFin lidera l&#039;estrat\u00e8gia de m\u00e0rqueting i la inclusi\u00f3 financera, pr\u00e9stecs r\u00e0pids i educaci\u00f3 sobre productes crediticis per a persones amb dificultats d&#039;acc\u00e9s a la banca tradicional.","sameAs":["http:\/\/www.avafin.es","https:\/\/www.linkedin.com\/in\/daniel-escudero-1a66b8b8\/?skipRedirect=true"],"url":"https:\/\/www.avafin.es\/ca\/blog\/author\/daniel"}]}},"jetpack_publicize_connections":[],"featured_media_link":"https:\/\/www.avafin.es\/wp-content\/uploads\/2026\/05\/empezar-de-cero-sin-dinero-768x512.png","category":{"color":"#010440","link":"https:\/\/www.avafin.es\/ca\/blog\/ayudas","text":"Ayudas"},"_links":{"self":[{"href":"https:\/\/www.avafin.es\/ca\/wp-json\/wp\/v2\/posts\/10479","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.avafin.es\/ca\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.avafin.es\/ca\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.avafin.es\/ca\/wp-json\/wp\/v2\/users\/23"}],"replies":[{"embeddable":true,"href":"https:\/\/www.avafin.es\/ca\/wp-json\/wp\/v2\/comments?post=10479"}],"version-history":[{"count":0,"href":"https:\/\/www.avafin.es\/ca\/wp-json\/wp\/v2\/posts\/10479\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.avafin.es\/ca\/wp-json\/wp\/v2\/media\/10480"}],"wp:attachment":[{"href":"https:\/\/www.avafin.es\/ca\/wp-json\/wp\/v2\/media?parent=10479"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.avafin.es\/ca\/wp-json\/wp\/v2\/categories?post=10479"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.avafin.es\/ca\/wp-json\/wp\/v2\/tags?post=10479"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}