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.
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But now, the situation is beyond his expectation. Both sides played the same move, but his move was broken.With the kick just now, more than a dozen purple rays of light emerged from under his feet, like invisible big hands, grabbing more than Gummies Stimuli They Ed Are Rx Effective For Yafailtfd a dozen yuan.
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Inside the Taihuang Palace, the elders of the royal family were also shocked when they saw this scene.Please pay attention to rest your eyes when reading for a long time.
Old man, last time I gave you face, I didn t do anything to you.Sure enough, the boxer didn t resist. Under this blow, he was severely injured.
So, they retreated decisively. The third prince was also determined not to even want the half developed ruins, he was indeed a ruthless person.Afterwards, those people turned their heads and looked at Lin Xuan in surprise.
Behind him were five powerful men. Seventh Prince, this should be the Yuehua Ruins.The next moment, the two s unique moves collided together.
In the end, light formations emerged one after another, and within the light formations, a figure also appeared from the ground.They didn t expect that apart from the eldest prince, the two most powerful princes would meet so soon.
Then, outside the guardian of ice, flames appeared one after another, For Meets Where Relief Ed Gummies Htg Cbd Science dancing vigorously.Although this space is under our control, there are some places inside that we haven t explored yet.
Ah, the next moment, they screamed, their eyes blurred.The next moment, he appeared on the other side. But at this moment, Lin Xuan s eyes were solemn, like two divine rainbows, piercing through the void, staring straight ahead.
They are intertwined and exude mysterious power. In an instant, the terrifying sword energy pierced through the nine blood colored phoenixes, and then turned into a beam of light and sword, quickly killing Lin Xuan.Humming cold daggers slashed across the air, and blue light waves rushed forward.
They vowed that they must catch each other and let each other know how life would be worse than death.In other words, he must get two spots. It seems that there is only one invitation card.
He also checked the stone in Lin Xuan s hand , he did not find any sign of treasure inside.We will know soon if there is anything in it. After the person has chosen, the next step is to cut the stone.
At the same time, he said in a cold voice What are you doing Do you Full For Approach Cbd Body The Reviewed Gummies Ed Pnndddnhq know that it is such a serious crime to injure the Eighth Elder And this is Prince Liuli s Mansion, you dare to do something here, do you want to die Hmph Lin Xuan ignored Qixing at all, he snorted coldly, and used the Chaos Clone to cooperate with the Liushen swordsmanship.
Yes, it must be the strange treasure of heaven and earth.It s just that you have enough crystals, don t bet halfway, you have no money, that would be shameful Hmph, don t worry about it, just tell me if you dare or not.
On the other side, Lin Xuan, Liu Mingyue, and Dark Red Shenlong came to the mountain, found a safe place, and resumed retreat.Countless lights of swords and swords were shattered by this palm.
On the other side, the woman in white also gave a coquettish shout.At this moment, regardless of whether it was the Gu family, the Four Elephant Holy Land, the Liang family, or other top forces, they were all shocked.
With this Xuan Lingmu, Lin Xuan could concoct a few medicinal pills with good effects to increase his cultivation.The two fought dozens of moves again, and then each retreated.
On the other side, above the sky, those martial artists from the Holy Land of Wanchu also screamed again Cbd Giwlcv And Ed Feedback Gummies User Results Prime For and again.Therefore, they don t know what the Golden Lion King is doing at the moment.
The next moment, he stood up and roared angrily, leading others to kill him.What, a thousand catties of spar Everyone gasped, obviously stunned by the shocking price.
The queen s face was even more gloomy and terrifying, the killing intent in her eyes pierced through the void directly.But without giving it to King Liuli, he would not be able to enter the two mountain peaks behind to Best Sex Kchqmi Choices Top Gummies practice.
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Most of the experts in Jiuli Pagoda have gone out, and the inside is a little empty, so Lin Xuan is safe for a while.Then, the dark red dragon arranged formations in and around the city.
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When he saw Yu Luocha coming from behind, he snorted coldly.Because in the past three years, their family has thought of countless ways, but they have not been able to heal her injuries.
The bidder was an old man with very long hair and beard, and flames were rising from his body, forming a robe of flames, which was wrapped around his body with 20 billion and this At that moment, Shen Lingchuan spoke again in VIP Room No.This is a secret method that can condense powerful forces, but it requires countless blood, often hundreds of thousands Ed Zckxcsweo Cbd Mg Analysis Indepth Gummies For Treatment of warriors.
You can kill my Shenxingzong. Coercion enveloped the Quartet.Although this purple cloud and mist is a large formation, it is extremely powerful, but it does not have much power for the king.
What disappeared Seeing this scene, everyone was stunned.Shen Jingqiu knew that it must be the cup of spiritual tea from before that made her completely recover from her injuries.
This Female Pleasure Her Sex Pills Vju For Enhancing really shocked the Lin Xuan Murong family, Murong Qingcheng s heart was beating wildly, and his face was very solemn.No matter how much he collides, he can t break through.
But unexpectedly, now the warriors from the Holy Land came to this Cangyue Square.Immediately, a group of black flames flew out and lightly landed on the palm of the flame.
Moreover, his main purpose of holding this auction is to win over these top forces to facilitate the cooperation between the two parties.Lin Xuan also Cbd Exploring Dysfunction The Of Vfjcooi Erectile Biolyfe Effectiveness Treating In Gummies looked weird Senior, are you joking It is indeed exciting to think about beating Tian Youque, but Lin Xuan knows that this is impossible.
And at the bottom of this grand canyon, there is a huge body.
It turned out to be a beast master who stirred up such a big situation.People from the lineage of the ancestors of Shengtian, their eyes lit up when they learned about it.
A two meter long electric eel flew over, wrapped around his arm, and endless thunder enveloped her.I don t want the stuff, and let you go, if you can t stop it.
Yes, it should be that the person who controls the monster is powerful, is it Xiao Xiaoyu They don t think so, everyone is looking at Lin Xuan, this young man not only has a super strong body, but also has a strong soul, and is absolutely terrifying in controlling monsters Elder Ruochen, looking at this scene, the corner of his mouth Raise a smile, very good, it is finally time to Blue User Performance Ed Gummies Their Urkwtb Evaluating Vibe Testimonials And For start.
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Lin Xuan was surprised that the other party was able to find out that he had handled it well before.He wanted to break through and become a holy king in this place.
what happened Countless people are terrified, what kind of power is this, these eyes are too terrifying All the elders who rushed up fell, Lin Xuan looked at You Leng again, and said, this time to send you on your way, You Leng roared, took out a black rune, and threw it fiercely towards the front, indeed , the rune split open, and a force that could destroy the world emerged.
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Normally, he would definitely study it carefully, but not now, there is no time, there are experts everywhere exploring, maybe at any time, there will be new discoveries So, he decided to use some hole cards, palm seals , Holding the mountain seal, the ancient magic mountain tore through the void, killed it, pressed to one of the broken swords, suppressed it, and that part of the sword, blooming with terrifying Gummies Comprehensive Effectiveness Fiffgait Of And For Review Blue Benefits Ed brilliance, resisted.
Feeling the terrifying flame breath here at this moment, they were also greatly surprised.Opening the formation, Lin Xuan said to Xu, come on, Huo Ling er formed a seal, endless formations emerged around, covering the front, everyone didn t care about this scene, it was brought out in the auction, They are all precious things.
Por Alejandro Saracho, experto en finanzas personales; autor del libro Reconfiguración financiera.