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.
Acompañar activa las neuronas llamadas espejo que contribuyen a que entendamos el dolor de otras personas, a tranquilizarnos y hacer que los otros se sientan comprendidos.
Existen muchas ventajas al incorporar inteligencia artificial, ya que atienden tres pilares fundamentales: Predicciones y previsiones, detección de anomalías y pronóstico de rendimiento de la organización.
Talleres humanistas para vincular a los jóvenes con las 10 licenciaturas que ofrece el Claustro de Sor Juana, únicas en su tipo. La cita es en Izazaga núm. 92, Centro Histórico de la Ciudad de México. Entrada libre.
This kind of cultivation is really too weak In her Golden Core stage, she had counterattacked and killed more than one powerful person in the Nascent Soul stage Moreover, the Nascent The Benefits of Sleep Gummies with Melatonin for a Restful Night's Sleep (hRDSi)
Soul stage cultivators in the wilderness are even more weak Thinking of this, Yan Xunnan warned lightly The Misty Forest is not something weak people like you two can come to Cultivation is not easy, so we should retreat quickly to avoid falling here Lu Yu felt funny in his heart.
Not only did he not show any fear, but there was a hint of amusement and teasing in his eyes The Chiyanhu Zhao family was not unexpected He Wenxin wants to save people, but it may be difficult Lu Ziji will definitely die Today, unless a true immortal from the immortal world descends to earth, no one can save Lu Ziji However, the next scene shocked Zhao Hongzhuang, He Wenxin and Apple Cider Vinegar Gummies and Weight Loss Breakdown for 2025
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On the other hand, Lu Yu s expression was calm, and his eyes swept across the Baijiang Are Melatonin Gummies Safe for Adults: A Comprehensive Guide (gNVlN)
River with a thoughtful look.But now, I didn t expect that Lord Liu Yan s illusory formation would allow me to go back in time to this moment.
It s not necessary, you can stay here Then, Lu Yu took Bai Xixi and left.Instead, he stretched out his hand and gently wiped the tears from the corners of Yunyun s eyes.
However, Lu Yu remained calm. Because these people pose no threat to him at all.I will not give up until I take revenge Please help me, my benefactor However, when he heard this, Lu Yu sneered and said, Do you think I am a nosy person Helping you fight for life and death Except for the people he cares about and the immortal way, Lu Yu has always been concerned about other things.
After a while, Lu Yu woke up quickly. He glanced around and Lose Weight and Get Healthy with Keto Weight Loss Pills
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pot had exploded, boiling and causing an uproar How is it possible Lu Yu, who is only in the Nascent Soul stage, can actually defeat the combined efforts of ten gods in the transformation stage.
The strength behind this is too amazing Before, he acted like a superior leader and elder, but now he completely treats The Lavell Crawford Weight Loss Method: Can You Really Lose Weight Like Him
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my daughter He Yan er could be with Lu Ziji Moreover, at this moment, He Zhenlong really believed that Lu Ziji could save the Xihuang Kingdom He Wenxin also stroked his beard and laughed, extremely pleased Only the members of the Chiyanhu Zhao family had extremely pale complexions and were extremely ugly How is it possible The Jingyun Ax is a magic weapon of our Scarlet Flame Tiger Zhao family.
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young person in the Western Wasteland, but now, they have long put those dissatisfaction behind them.The evil ancestor was helpless and had nothing to say.
Of course, they were not from the Immortal Emperor period, but at most they were some battles from the True Immortal period.The colorful moon orchid is in Luoyue Palace. But Huoyang Lingye didn t know where to look
Thinking of this, Lu Yu suddenly looked at Princess Lu Xiao next to him.
Long Gang, Long Jiang and other Long family members were also waiting anxiously.I saw the leader of the Thousand Blade Sect, Qian Rendong, and the Supreme Elder, staying at the Thousand Blade Sect s sacrificial hall.
Especially Huan Yu is also a formation master. However, for the time being, the Liuyan Magic Pearl and other precious treasures were not seen, and until Tu Qiongdeng saw them, everyone was still at peace with Buy CBD Gummies in Maryland - Benefits, Reviews, and Legal Status
each other.You are in a deserted area. He is so clear, but he has gained insights for Yan Nan Lu Yu s face was calm, and he was not at all happy to be praised by Yan Xunnan, a beautiful girl from the Heaven Realm.
Taking them when he is seriously injured can restore part of his combat power and reduce the severity of his injuries.Li Shiming s side, Jin Lei Yuanying, has been comprehending the inheritance of Jian s sword marks.
I am willing to join the Jian family Li Yuanba bowed and expressed his decision.He, a Nascent Soul cultivator, brought four late stage Golden Core cultivators to deal with one late stage Golden Core cultivator, but all four of the late stage Golden Core cultivators he brought perished.
They are already at fighting distance and can attack the eight peaks at any time.Without Tai Qing Xuan Turtle Armor, even if you get all the Tai Qing Xuan Turtle Art , it will be useless.
If you agree, you can kneel down and swear to the skeleton to get that inheritance.Among these pill prescriptions, all third grade elixirs in the static space are recorded.
The ancestor of Jinkai looked solemn, and the hidden power on his body was in confrontation with the sword intent on the fourth grade flying sword.Li Shiming s talent should not be affected by the strife within the sect.
At this time, it was Patriarch Ren Xun who maintained the form of the Nascent Soul.Although Jin Kai was seriously injured, his speed was still extremely fast compared to the early Yuanying monks.
There are no markers here, and there are no objects in all directions.The spiritual grass is almost endless, so the number of herbivorous spiritual beasts is extremely large.
This Qin Hu was extremely cruel to others, but he was obedient to this beautiful and beautiful fianc e, treating him like a treasure.They were Evidence-Based Findings: Unlock Sustainable Weight Loss with Shark Tank Keto Diet
all watching. As for the monks with real status, they have already received the news that Patriarch Li is on his way back.
He also kept contacting IBMz15 and borrowed the drone satellite system to observe the situation along the way.No wonder he could feel the threat. This kind of poison is not just for monks, even magic weapons will be affected.
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at this time.His achievements in the past six months of cultivation are probably comparable to those of other Jindan monks who have practiced for hundreds of years.
As for the eight Nascent Soul monks, he did not recognize their origins from their fighting methods.He nodded to the Jian Ancestor again and expressed his goodwill.
What method did Great Master Zhai Ge use to create so many ghosts, and what was the use of putting the ghosts here With doubts, he kept moving inward.It was Master Luo who gave accurate information about Mingxin Sect in Northern Shu, which allowed Tianhai Sect to make arrangements in advance.
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broke through the cave formation and was sensed by Ancestor Li.You were successfully promoted in such a short time Master Jiang Hong also said with a smile.
The Scarlet Flame Pavilion has really been obtained by Lu Ziji, which is mine.Even the storage ring in Lu Yu s hand that could fit on the top of the mountain couldn t fit in it.
It s like a little fence in front of a tsunami, insignificant.Ma Shen, a noble son of the Ma family in Changbai Mountain, pursued Grape CBD Gummies: Benefits, Reviews, and Comparison
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Thank you, Fairy Yan Xunnan Goddess Yan Xunnan, I was disrespectful for the previous offense.When this mouthful of blood fell into the ground, there was a loud bang, directly tearing apart a palace, and even the thousand foot high mountain below was shattered.
If it hadn t been at the wedding banquet, she might have burst into tears
At this time, Su Jiahui was not the only one who was suffering.Coupled with the seasonings carefully prepared by Lu Yu, it is even more delicious However, at this moment, Lu Yu suddenly raised his eyebrows slightly and looked towards the southwest
As expected of Cangshan Star, you can see people cultivating immortals everywhere Lu Yu muttered casually, and then enjoyed himself leisurely.
Hmph Lu Ziji, you are so majestic and domineering, how dare you attack our disciples and disciples The Immortal Gu God laughed sinisterly, with murderous intent revealed
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is the reincarnation of a great power, or even the reincarnation of Liuyan God Lord This speculation made the ancestor of Jianbao Pavilion s God Transformation look a little strange and thoughtful.
What kind of weight is a mountain with a height of ten thousand feet It may exceed hundreds of millions of tons, but it was captured from the air and thrown down directly boom Under the horrified gazes of everyone, this mountain peak hit the top of Thousand Blades City directly In an instant, all I saw was the roar of the great formations, the sword light soaring into the sky, the five elements of chaos, the roar of the white tiger, the roar of the green dragon
Under the resolution of the layers of formations, the ten thousand foot mountain peaks were directly broken into pieces.
But this was completely within his expectations. People like Haibara Rei were of noble birth and were valued by Guigu Liuli, and they were even more popular among the stars.Did you know that I Find CBD THC Gummies Near You - Benefits, Selection, and Local Sources
come from Tiexian Villa, one of the five major sects Stop talking about you.
Wu Mian glanced at her coldly Okay, that s it for today.It was indeed his mission to pick up Qin Feng today, but he didn t have to come in person.
He committed the crime back then. Don t make the same mistake again today Wait a minute, Old Han Du Bangyan was about to turn around and go downstairs, but suddenly he stopped Han Qiusheng.The Dragon Lord of Panlong Palace, Qin Feng. Wow As soon as Qin Feng led the people through the door, there was an uproar immediately.
Two conditions are indispensable. Since you can t agree, then I will give up.This is within the rules. In other words, if I was the one who was about to be killed just now, would you take action, senior Not only would you not, I m afraid that if someone in my family takes action, senior I m afraid he will still stop him Everyone saw the scene just now, and Wu Mian had no power Embrace the Wonders of Dandelion for Weight Loss: Nourish Your Body and Enhance Wellbeing
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When the time comes, you will definitely attract much attention as a guest of the Ye family, I said Since I am your boyfriend, I must have received a lot of attention
He was telling the truth, but for some reason, he felt a little guilty as he spoke.Xiaofeng, originally This house should be bought directly in your name, but your uncle said that it is not easy for your aunt to go through all the trouble to get you, so we discussed putting the house in her name first, and when you get married in the future, as long as If you are filial to your aunt, she will definitely leave the house The Science Behind Butt Enhancement Gummies: A Comprehensive Guide (qFGfI)
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Everyone looked at this young man in surprise. Although he was so young, he still seemed to be injured.We all feel embarrassed for you. Zeng Ke also didn t agree.
You have Bai. Miss Zhuyu is in front, I m afraid the gifts behind will be even more exciting Sure enough, with Bai Moyan in front, others also offered their gifts.Haha, I hope you can still be so confident after he is exposed by the elders later.
Not only because the eighteen members of the Fusheng Company were exterminated, but also because this family was originally a warrior, but an old man named Liang Rong killed all eighteen members of their family in just one CBD Gummies 300mg en Español: A Comprehensive Guide to Benefits, Uses, and Reviews (RaHvC)
night Liang Rong disappeared after that, and the Special Task Force failed to capture him for many years.
However, Zhang Quyang warned them in the afternoon.Qin Feng smiled slightly He has many surprises. After all, Xuanyuan Feng was not from the Martial God Temple, so Qin Feng did not explain too much.
A pair of long legs were placed overlapping each other, and her high heels made her ankles white and slender.And before coming to Longdu this time, he had How Much Exercise to Lose Weight: Is 30 Minutes Enough?
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Now they all look at Qin Feng expectantly. Seeing them, Qin Feng was a little helpless, but he also relaxed What else are you looking at Just pack your things and let s go to Longdu.Not to mention how strong Guigu Liuli is, he is Earth Meds CBD Gummies: Natural Relief for Anxiety, Stress, and Insomnia
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Anyone who doesn t have to be stupid can see that there is no one in the box.And she never expected that this person was actually Qin Feng How is this possible That s Captain Xu.
I don t believe you specifically asked me to come here just to watch such a show.Pretending, still pretending Li Hongbin sneered I said you don t even pretend to be anything like it.
Chu and Mr. Dong, they must have known this secret for a long time.But at this moment, there was a sound of metal friction, and Haibara Rei, who was originally bare handed, Understanding the Benefits of K2 Life CBD Gummies Amazon for Enhanced Wellbeing
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Farewell. Qin Feng came out of the office with Ye Huang.Dou Yi opened her eyes, already prepared for Qin Feng to be beaten into a cripple by one punch from each of them.
Por Alejandro Saracho, experto en finanzas personales; autor del libro Reconfiguración financiera.