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.
Microsoft acerca a las personas y a las empresas a la tecnología, y este proyecto en conjunto con Schneider Electric es solo un ejemplo de los esfuerzos que se están haciendo para lograrlo.
La automatización de almacenes está dejando de ser una opción para convertirse en una necesidad estratégica. Con la escasez de mano de obra, la integración tecnológica y las innovaciones en robótica y IA, las empresas tienen la oportunidad de optimizar sus operaciones , reducir costos y mejorar la eficiencia. Al adoptar soluciones como RaaS y mantenerse al tanto de las últimas tendencias en automatización, las empresas pueden enfrentar los desafíos actuales y posicionarse para el éxito en el futuro.
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She exerted all her strength on the sword that was supporting her body, and then turned her head to Qin Su who was squatting softly and said with a soft smile Ah Su, I failed to protect you well as a teacher in the last life, so my sword just now was powerful As a teacher I have been studying for many years.
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After a long time, there was something in his eyes.And today s children are the treasures of every family.
Thank you, Director Qiu. Then he turned back to Li Shuxun and said, Xiao Li, this is Director Qiu Pingzhen of our hospital.So now we use the vomiting method to mobilize the five internal organs.
apologizedebate cutcutfanstep on dragonflyopenresearchbookgoods account.
As a last resort, Du Heng went to Wang Shuqiu s school.When they came to find me, they had already undergone chemotherapy many times, and their bodies were about the same as a rag.
But they didn t dare to attack because this problem was based on Wu Shengnan s father saying that they were experts.How could Du Heng not be anxious If Du Xueting had been studying for a five year undergraduate degree, the worst she could do would be to take a graduate degree and change her major.
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We have the ability to deal with special matters, but we still care about his rigid things Those frames are just for those mediocre people.Then he stood up and was about to speak, but the doctor who just spoke said directly, Director, Deputy Director Du.
And the extra 0. 3 grams is added because the child is in danger of suffocation.Du Heng was startled by this body reaction and quickly retracted his hand.
Zhu Fan had a bowel movement again, and he had a heavy bowel movement.After the person faints, the connection is finally connected, and the various data above slowly stabilize He had fallen down, so Du Heng was not in a hurry to wake him up.
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If you want to save your sister s leg, you have to do a multi pronged approach, and it has to be quick and immediate.It has been used by big stars. Gong Daoyang s heart was shaking with pain, I have long since lost the inclination to tell jokes.
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Huh Du Heng breathed out softly, turned sideways, and saw the familiar girl, but with a slight difference.And as The child s cry made the child s body and forehead begin to sweat, and his little hands and feet finally became warm at this time.
It s not unreasonable for him to think about the choice of the second uncle s illegitimate child.I, Li Mubai, am ashamed of him, ashamed of him.The sudden roar startled Zhang Shen and Chen Tai, two great Confucians.
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You don t even have a fianc e, do you Song Tingfeng slightly opened his squinted eyes, and said sourly.Jiyuan Two Don t talk too much nonsense, just ask the question directly.
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As a golden gong, Zhu Yang must have a lot of black material in his hands.At this time, there was a faint sound of drums in the distance, which was the sound of drums before the city gate was closed.
Going to the iron mine, if it wasn t for rebellion, I really can t think of other possibilities.This is still a conscientious tooth Xu Qi an asked Is there any report to the official I reported it, why didn t I report it.
Por Alejandro Saracho, experto en finanzas personales; autor del libro Reconfiguración financiera.