Por Alejandro Saracho, experto en finanzas personales; autor del libro Reconfiguración financiera.
A unos cuantos días de que acabe el año hay muchas personas que comienzan a pensar en sus propósitos de Año Nuevo: bajar de peso, comenzar a hacer ejercicio, comprar auto nuevo, casa nueva, hacer ese viaje u otros propósitos que se han quedado atrás año tras año.
Esto, en la mayoría de los casos, sucede porque las personas no le ponen real atención a cumplir sus propósitos o simplemente son tantos que no se enfocan en lograr uno y al finalizar el año se dan cuenta que ni siquiera empezaron. Aquí queremos compartir algunas metas financieras que puedes incluir en tu lista, para que así puedas avanzar en cumplir todas las demás.
Sólo recuerda, antes de ponerte algún propósito debes estar convencido de que es de suma importancia para tu vida, de lo contrario te será más difícil poder cumplirlo.
META 1. Tener un control de mi presupuesto mensual
Si no estás acostumbrado a llevar un control de tu dinero, es un buen momento para que empieces. Es muy importante que sepas cuánto dinero gastas y en qué, pero es aún más importante saber cuánto dinero ingresa a tu bolsillo.
Si no eres de los que acostumbra registrar cada gasto e ingreso en un cuaderno (porque siempre lo olvidas), te recomendamos usar una app: Todos estamos pegados al celular y qué mejor que usarlo para controlar mejor nuestro dinero.
Existen varias aplicaciones para iOs y Android que podrás descargar de forma gratuita. Una que recomedamos es Presupuesto mensual, desarrollada por nuestro equipo de trabajo. Te permite hacer gráficas, descargar archivos y ver día a día cuánto tienes y cuánto has gastado, además de que te manda alertas cuando estás a punto de acabarte el presupuesto.
META 2. Reducir gastos hormiga
El peor sabotaje que le puedes hacer a tus finanzas es tener gastos hormiga y no ser consciente de ellos. Estamos hablando del café de la mañana, las papitas de la tarde y todo aquello que se esfuma en un momento y contribuye a vaciar tu cartera. Debes poner destino a cada peso que entre a tu bolsillo, así lo tendrás previamente destinado a algo en específico y difícilmente lo utilizarás para algo más.
META 3. No hacer compras emocionales
Aunque no sea una temporada de ofertas o rebajas, siempre tómate al menos un minuto para pensar si realmente necesitas lo que vas a comprar, principalmente cuando vas al supermercado. Intenta siempre llevar una lista de lo que debes comprar y siempre que veas algo que no está incluido, recuerda preguntarte: ¿lo quiero o lo necesito?
META 4. Administrar mejor mi dinero
Para poder administrar mejor tu dinero es necesario que identifiques primero qué es lo que estás haciendo mal o cuáles son los puntos a mejorar para que logres potenciar tus resultados.
Comienza con un sistema de administración que te permita separar tu dinero en diferentes cuentas para tener un mejor control y no vayas gastando de poquito en poquito de una sola cuenta hasta que de repente quedes en ceros y sin saber cómo.
META 5. Pagar mis deudas a tiempo
Las deudas son de los problemas más comunes con los que lidia la gente y no está mal tener deudas, lo que está mal es que se te salgan de control y luego no sepas qué hacer.
Lo ideal sería que, si tienes deudas las liquides de inmediato, pero si no tienes capital para cubrir el monto total adelanta pagos, de manera que las vayas reduciendo lo más que puedas y dejen de ser una preocupación para ti.
META 6. Terminar el año 2018 sin deudas
Endeudarte es gastar dinero que aún no llega a tus bolsillos y comprometer tus ingresos futuros para cubrir los montos de tus deudas. Si ya lograste reducir tus deudas o quizá hasta liquidarlas, no obtengas una nueva. Permítete terminar el año y empezar el nuevo tranquilo y libre de deudas, con finanzas sanas.
META 7. Multiplicar mis ingresos
Muchas personas siempre están buscando la manera de ahorrar o simplificar gastos y es porque se enfocan en cuánto dinero sale de sus carteras, pero el verdadero problema es que no toman en cuenta cuánto dinero entra. Debes buscar inversiones que te ayuden a multiplicar tu dinero.
META 8. Diversificar mis inversiones
Si eres nuevo en esto de las inversiones, comienza ahora. No necesitas invertir grandes cantidades de dinero, ni ser un experto, puedes empezar en Cetes desde 100 pesos. El chiste está en que te decidas a empezar.
Por el contrario, si ya llevas tiempo en esto de las inversiones, es hora de dar el siguiente paso y arriesgarte. Recuerda que ninguna inversión está libre de riesgo, pero es importante que vayas buscando otros vehículos que te dejen mayores rendimientos.
META 9. Planear mi futuro (Plan de Retiro)
No importa la edad que tengas, siempre debes pensar a futuro y eso implica asegurarlo. Hay planes que te permiten elegir cuánto y cómo ahorrar de acuerdo a tus necesidades. Busca las mejores opciones para comenzar un plan de retiro que te permita tener el estilo de vida al que estás acostumbrado para cuando seas mayor o en caso de alguna incapacidad.
META 10. Invertir en mi educación financiera
Si no tienes idea de cómo puedes empezar a administrar mejor tu dinero, plantear bien tus metas financieras, potenciar tu dinero, invertirlo o emprender tu negocio, lo mejor que puedes hacer es invertir en tu Educación Financiera.
Para lograr cualquier meta que te propongas es importante que tengas disciplina y compromiso. No importa cuántas ganas tengas de lograrlo, si no adoptas esas dos palabras a tu estilo de vida y haces que tus acciones se conviertan en un hábito que te ayude constantemente a lograr tus objetivos.
Un solo negocio puede tener diferentes buyer personas; esto quiere decir que el mensaje tendrá que irse adaptando al perfil y necesidades de cada comprador.
La tecnología puede proporcionar altas capacidades en manufactura. Pero antes debe adquirirse un conocimiento profundo del propio proceso de producción.
The victory of a few golden dragons was only a few hundred.His body twisted like a snake and narrowly avoided the knife in the back.
Although it is possible to force the character offline directly and let the character lie in the carriage to pass the boring time, obviously no one does this.I don t need to offend you at all, right. Turn around and prepare to go around the opponent.
It obviously didn t cause much damage. tumultuous The sound of burning flames exploded around him, and the intense heat exploded, but the poisonous scorpion not only did not feel hot, but instead felt as if he had fallen into an ice cellar.Although it can t breathe or fly, it seems a bit unworthy of the title of Sky Overlord.
Damn, even the soldiers were bribed, they want me to freeze to death This is a very small camp, with about twenty tents, surrounded by horse drawn carriages.At least you don t have to worry about being surrounded by the enemy.
One hundred million dollars A Lili consortium has already offered to purchase it at this price.This was also the reason why the battle between the two of them lasted for so long.
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The task of covering your retreat should be enough to give each of us a share of the blood of beasts, right Zhao Hao spoke first.Anyone who knows how to combine treasures knows it Others don t know what this means, doesn t Zhao Hao understand.
Express The other party first mentioned the undead, and then said that the Holy Light needed to be cleaned up.There is no way, the reputation of the necromancer is already bad.
Only the Raging Dragon Guild was still qualified to be called the leader in the stronghold camp.tumultuous In the background of the sound, the fierce flame dragon breath swept through everything in the city gate cave.
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Will they be pursued That s for sure, you can t let go of those who have offended you, but you have to bow your head when your life is at stake.Seeing that everything was about to be completed, they were broken by this boy.
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the third level of Nascent Soul.First of all, they found out that realgar can resist the momentum of dragons to a certain extent, so they each tried their best to find realgar of a higher age.
Nascent Soul cultivators can dominate one side, and who knows what happened in the meantime.The alcoholic queen bee had just made a breakthrough, and there were still many things to do, and Qingyang didn t want the alcoholic queen bee to be exposed to other ghost cultivators, so with a thought, he sent the alcoholic queen bee into the Drunk Immortal Gourd.
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They all came over with True Lord Crouching Tiger and looked at Qingyang.Under normal circumstances, he would not even dare to think about the realm of divine transformation in this life, even the late stage of Nascent Soul.
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Maybe it can still be used if the spiritual stones are installed in the future.But what s the use of not being willing to do so He knew very well that there was no point in persisting.
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The One horned Ghost King and Qingyang The people s cultivation level is not high, but their strength is stronger than the other.
The finger came too fast, and Vittorio only had time to avoid it.Of course, if he wanted to, he could directly break through these people s domain protection.
In order to allow new students to appreciate the greatness of magic and to facilitate daily teaching, every wizard academy in the kingdom has a complete experimental model in the showroom.Thousands of armored vehicles equipped with machine guns have already entered the city of fire and oil.
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I am alone, without worries, and the apprentices I teach are all self reliant, so I was chosen.Then he cleared his throat, used a loudspeaker spell, and shouted loudly.
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Combined with the records in church materials, thousands of years ago, people on this continent also existed in the form of tribes.Vittorio was shocked, and then hurriedly asked. Is it possible that you have found a way to break through that limit Limit
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This monk was at least in the foundation building stage.Due to their power, these thunder and lightning could not cause much harm to the Monkey King and the four white monkeys, but they made them irritated.
The main reason is that he needs to update his major skills, which for a monk is equivalent to breaking the spiritual lake in his body and rebuilding it.I am here to take your head under the order of Master Li Wenfeng The bearded man did not hide anything and did not dare to hide it.
Go kill those spiritual root seedlings The Xuanming Sect s foundation building monks were not surprised but overjoyed when they saw Uncle Dai joining the battle, and ordered the remaining four Xuanming Sect s Qi Refining monks.Since having the clone, he has almost maintained a state of multitasking.
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No matter how strong the spiritual imprint is, it cannot communicate through the space barrier.But in fact, this price is far higher than the normal auction price.
Li Shiming had a misunderstanding. He really just regarded the jade slip of alchemy inheritance as a normal gift, and he used it to become an alchemist.
Por Alejandro Saracho, experto en finanzas personales; autor del libro Reconfiguración financiera.