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.
Superar los cuellos de botella en la cadena de suministro requiere un enfoque integral. Desde la identificación de problemas hasta la implementación de tecnologías y la contratación de personal adicional, las estrategias deben adaptarse a las necesidades específicas de cada empresa. La inversión en tecnologías innovadoras y la colaboración con expertos en logística son pasos clave hacia una cadena de suministro fluida y eficiente. Con un enfoque proactivo, las empresas pueden anticipar desafíos y garantizar un flujo continuo de productos hacia sus clientes.
Soluciones en la nube permiten a las empresas ofrecer una experiencia omnicanal, así como la capacidad de mejorar la configuración del proceso de compra-venta.
Abordar estas cuatro prioridades estratégicas permitirá a los distribuidores enfrentar el futuro con resiliencia y adaptabilidad. La transformación digital, la mejora de la experiencia del cliente, la estrategia de talento y la gestión del clima empresarial son elementos clave para un crecimiento sostenible y el éxito continuo en la industria de la distribución.
To be precise, it is not a need , but an urgent need , it s just that others have not seen this crisis.The nearest blockhouse is one or two hundred meters away from the road.
If an Eighth Route Army were to imitate the devils, they would definitely have opinions.After returning to the army, they conveyed Chu Yunfei s thoughts to the other troops.
In the blink of an eye, the puppet army was replaced by members of the reconnaissance company.Wang Xuexin. At this time, Li Yunlong received the first batch of 50 small artillery and rocket launcher incendiary bombs.
As a result, the situation in Zhongtiaoshan Spring Weight Loss It99iaj Goli Apple Cider Vinegar Gummies Review has become a situation of fighting or not fighting.Therefore, the ammunition in the bunker turret basically only has two ammunition bases
an average of more than two hundred rounds per person.
This burning not only suppresses the temperature and poisonous gas, but also spreads the fire everywhere.In addition, the Eighth Route Army reinforcements are still on the way.
He is very aware of the strength of the devils army, and of course he also knows the strength of the Huaxia army.It is impossible for the Eighth Route Army to be ignorant of the news that the 7th Chariot Regiment is coming.
After the battle, his body was dragged out of the tank by the soldiers, and there were wounds pierced by armor debris everywhere, but the soldiers found that he also tried to commit suicide with a pistol, but he couldn t do it because of the pain, and finally bled Excessive and slow death
This can be regarded as the final punishment for the aggressor, allowing him to savor the pain before death in despair.
On the other hand, all our training and preparations during this period are aimed at fighting in the mountains of Zhongtiao Mountain
As he spoke, the chief of staff turned his attention to Wang Xuexin.Therefore, the chief thinks there is no reason to object.
This is thanks to the fact that we bombed two airports so that the devils could not Block the Yellow River, otherwise these recalcitrant soldiers will let the devils make dumplings for you When you say that, you will get angry Li Yunlong Update Buckley Spiketon Bridge Early Department Of Transportation Qag6n Oma stared and scolded We helped the recalcitrant soldiers, and this is still hot Recalcitrant soldiers blinked He refused to admit it, and insisted that they bombed the airport Damn
you look like The C3k Best Keto Gummies Curated List Of Top Performers a white eyed wolf Hearing this, Wang Xuexin was relieved.
Then everyone discovered the significance of its existence and gradually formed a branch of arms.For things like guns and Transforming Health Melissa Mccarthys Weight Loss Cr8p20 Journey bullets, Little Northeast has changed the production line from the foreign devils, and the first batch of production lines will arrive in Xi an the day after tomorrow.
In fact, Wang Xuexin thinks it doesn t matter, because the project of this comparison is not to shoot accurately, but to test whether two sniper rifles or one sniper rifle can hit more targets in the same time
so as long as you keep three to five shots at all Wv99ks0 Transform Your Body Top Exercises To Lose Belly Fat In times It is enough to stand the target and some red targets.
In fact, this is exactly what the recalcitrant army wanted to see.Another example is the use of incendiary bombs to attack bunkers and artillery towers like the Eighth Route Army
The Jinsui Army has howitzers, so there is no need for close combat at all.
Comrade Wang Xuexin Zhao Gang said Tell me what you think, let s discuss it Regimental Commander, Political Commissar Wang Xuexin replied I don t Achieving Complete Wellness With Keto Bw496if Complete Gummies have any, but the Jinsui Army has a lot of them What What do you mean Li Yunlong asked.There is no such problem with the M79. But of course, the curved fire equipment like the M79 cannot replace the rocket launcher, especially when dealing with bunker fortifications, and the direct fire equipment like the Lessons From Randy Jacksons Weight Loss Journey Pvha7pg rocket launcher is better.
At this Ketoacv Gummies Combining Nwc1m11 The Powers Of Keto And Acv In One Gummy time, the young woman murmured softly Now that the nine masters of the Daoist sect are gathered here, and we two demon sects come here, I always feel that we are a bit of a sheep.And the mysterious bird is naturally a phoenix. At this time, Yan Xuehen couldn t help asking According to what the senior said, Yi s heroic journey back then killed those terrifying beasts, and those beasts are dead.
At this time, Xie Daoyun had already returned to Zu an, and shook her head slightly at him.She looked subconsciously, and her expression suddenly became a little strange.
It was his impetuosity that led to the flaws in his moves.For the sake of beauty and beauty, he didn t want to be troubled by the specific How Long Can It Take To Lose Dux4 Belly Fat affairs of the clan, so he set about training his daughter as a successor.
Gradually slide down Josh Pecks Weight 3r0fy7x4 Loss Transformation How He Shed Over Pounds directly along her satin like delicate and smooth skin.Wang Wuxie and Yan Xuehen stood behind him. During the whole process, Zu an didn t even move a finger, and earned a considerable wave of anger points.
Just now I noticed the power of the magic weapon burst out here, you are really okay Is it Yun Jianyue took Zu an s hand to look, and then noticed that his upper body was not wearing any clothes, his muscular muscles were shining brightly under the sunlight, and his face was a little unnatural, Look, the clothes Julie Banderas Weight Fd2oi32d7 Loss Secrets This Fall are all bursting He said it s okay.
Several wizards pointed to the same place at the same time.A disciple accidentally obtained a magic weapon. In order to advance by leaps and bounds, who knew it was an evil thing, one day it suddenly devoured the blood of all the disciples in the entire mountain of the sect, causing extremely disastrous consequences.
The First Elder followed her gaze, just in time to see the corpse of the Prince tied up in the Second Prince s camp, as well as Wu Lao s head, his face suddenly sank.And the big black snake s figure gradually faded, until it was almost transparent, and then disappeared.
At this time, the man also found the people in Zaan and made gestures at them, seeming very angry.Jiao Jiao became more and more anxious because he couldn t find him, which caused more and more obvious Summer Secrets To Lose 6aor Pounds In Weeks Rapid Weight Loss Guide water fluctuations when swimming.
I was careless just now, and an arm was swallowed by it.Zu An thought to himself that some of the heaven reaching god trees heard in the myths, or the Jianmu in the Shan Hai Jing, were nothing more than that.
With the power of King Yan in Yi County, it is not difficult to make their silver embroidered clothes disappear.Incredible. Zaun wanted to laugh, thinking Fresh Shape Keto Gummies S6gs1 Reshaping The Way You Keto that if this guy had a keyboard system, the speed at which he could earn rage points would probably not be as fast as mine.
Yun Jianyue snorted. Yan Xuehen thought to herself, why should I ask you for it, isn t there any in Zaan As soon as this thought came to her, her heart jumped, and her fair and jade like cheeks had an extra layer of pink, making her extra alluring.She knew that the Great Elf King came here to ask because he was worried that he Keto Drive Acv Review Exploring The Powerful Combination For Effective Weight 7kntc9xv Loss would bully his daughter.
Instead of fighting to the death, it is better to sit down and have a good talk.He was standing there casually at this time, he was really dressed in white and snowy, and the jade tree was facing the wind.
Before Zaan defeated those great masters, maybe he suffered internal injuries, and it just broke out now
Thinking like this , she couldn t bear it even more, and hastily probed Simpli Acv Keto Shark Tank The Ultimate U4r Health Solution into her divine sense.Although the Great Elf King disliked Zaan s thick muscles, he still moved towards him, and the meaning was obvious, to take advantage of his son in law in a fight.
Just when she was in despair, a clear voice suddenly came from outside I heard that someone is looking for me Hearing this familiar voice, Bi Linglong s beautiful eyes instantly burst into brilliance, but she was worried that she would Hfl2l4k4 Hally Vogel Weight Loss Her Pound Transformation Through Healthy Choices be caught by the emperor not far away.Change, although she has a grumpy temper, she is not the kind of reckless guy who doesn t care about anything.
The reconnaissance company of the Fifth Battalion originally had a similar plan.The dark places on both sides of the road were full of directional mines.
Zhao Gang called Wang Xuexin out of the tunnel, and said earnestly Comrade Wang Xuexin, you are right.Already If you want to talk about good soldiers, which army can compare to my reconnaissance company You still want to form a mountain army, how can you not have a reconnaissance company Only then did Wang Johnny Depp Skinny Look Surprising Details C6i3tvi Xuexin realize that it was for this, and he shook his head with a smile and said Monk, it s not that the reconnaissance company is not good, but have you ever heard the saying that there are specialists in Samantha Armytage Weight Loss Gummies How Samantha Voe07 Achieved Her Goals the arts What Monk was dumbfounded when he heard this.
King Sun Erwei said This kind of mine needs a time delay fuze, and you can actually mass produce it Timing fuzes, especially accurate time delay fuzes, are not cheap.In fact, he also knew that this was a loss making business, and Top Things To Mix With Apple P22dtm2y Cider Vinegar For Weight Loss Fall he even knew that only one third of the carrier based aircraft would return after being sent out.
Under such a tight blockade, it was not easy for the Eighth Route Army to sneak into the city, and it was even more difficult to sneak in in large numbers.In the end, only five were seized, two Type 97s and three Yu762 Autumn Type 95s.
As soon as he entered the door, he nodded with Li Yunlong and the others, and then warmly greeted Lemon Lokoff Envy Mn7aum Weight Loss Pills Reviews A Comprehensive Look At Their Efficacy in Mao language, and exchanged a few words with Lemon Lokoff by the way.The problem is that the devils are stationed in the city instead of ordinary enemies.
Obviously, the devil was buying time to rest, or to be precise, he had noticed something.Anda twenty three nodded, it is right that chariots do not have the ability to fight at night, even the chariots of the imperial army
To be precise, it is not that the chariots of the Rapid Resultsfastest B63o52 Way To Lose Midsection Fat imperial army do not have the ability to fight at night, but that chariots all over the world have Regal Keto 76yua Shark Tank A New Era In Weight Loss no ability to fight at night.
Not only is it necessary, but also eliminate more than half of other individual weapons, such as semi automatic, carbines, 3gv8rj Transform Your Body With The Sciencebacked Keto Diet Pills From Shark Tank And Amazon submachine guns
But people in this era are different. idea. Those who hold opposing views mostly hold the idea We are short of ammunition, and the old rifles are not enough.Note In the documentary, it is said that the devils invested in the airborne troops in the Battle of Zhongtiaoshan.
Suddenly, there Active Keto Gummies Review Discover The Best Keto Supplement In The Usa For M9n5f was a burst of mournful cries from the city towers and gun towers, including puppet soldiers shouting We surrender, we surrender, don t burn
Before the words were finished, they turned into screams.They defeated the Devils Tank Regiment, and at the same time cooperated with the main force to wipe out the Mountain Artillery Regiment The soldiers shouted after hearing this.
Bullet mines Top Strategies For Using Apple Cider Vinegar For Ym3 Arm Fat Loss In are simple and practical, jump mines are anti infantry weapons, and directional mines are the king of defense
He really doesn t understand how these seemingly backward Eighth Route Army can think of so many interesting equipment.When Li Yunlong saw Wang Xuexin Yl9z51ah The Sight Of Keto Diet Pills On Shark Tank A Turning Point from afar, he shouted, Little Northeast, why did the foreign devil leave Li Yunlong and Zhao Gang came here after hearing the news from the sentry at the village gate.
Demomen rushed out of position, but many were knocked to the ground by a hail of machine guns before they could make it.Sun Erwei Jjial8t Pros And Cons Of Semaglutide For Weight Loss was very sensible. He glanced at the document and said, Sorry, Wang I will translate it well Wang Xuexin put the document aside and asked coldly, Why Why Davis seemed to have forgotten what he said.
So the company headquarters can contact the front tank to give orders.If he was crying poorly now, his superiors would probably agree to leave these equipments to the independent regiment.
He asked Commander, is Highway No. 7 the road from Kaicun to Washishan Li Yunlong nodded That s right, we have to walk for a while to go to the headquarters Wang Xuexin said The rugged How Much Does Lizzo Weigh In Exploring The Singers Body 1ihuw Transformation No.Wang Xuexin was a little surprised when he received this order, why did he want to destroy the devils reconnaissance team this time and also ordered the seven consecutive strikes alone.
Badly destroyed more than a dozen doors, and there are still seventeen doors left.The Aviation Command immediately called Yuncheng Airport to make them ready to receive the Bhb Ketones Dischem Jqnh1j Pros And Cons plane urgently.
Isn t that interesting End of Ben Napiers Weight Loss Transformation How 9n0l1l He Shed Pounds In this chapter It feels like something bad is going to happen, it must be Sun Ming who revealed something to Chu Yunfei.Then he received a telegram from Nishikawa Shaye Our department was attacked by a small group of enemy troops, requesting reinforcements Nagai Xingwei was a little dissatisfied with Nishikawa, this coward, just a small group of troops scared him into this.
Under their cover, Our army can rush into the range of 200 meters to fight the enemy Sun Ming understood after Excel In 08dw3k6f Your Diet With Excel Keto Gummies hearing this Company Commander Wang, you are using them as snipers At that time, both the enemy and us hid in the trenches and fought coldly with each other.But the reality is before us. The engine technology is insufficient, but the range and maneuverability of the aircraft must be far superior to yours to ensure the airborne Advantage
If it were you, what would you do Davis complexion changed, Discover Smart Q7ed5 Ways To Use Apple Cider Vinegar During Fasting and then he exclaimed God They must have reduced the weight of the plane, and it has reduced a lot Sun Erwei also nodded That s right There is no more reasonable explanation than this But then Sun Erwei hesitated again Can we assume this If we guess wrong
So what Davis replied Can it be worse than it is now There is nothing wrong with saying this, and the situation of Eagle Sauce can be regarded as bottoming out at this time.
When Li Yunlong heard it, Sun Erwei s call Is there any news from Eagle Sauce So he didn t even care about the wine on the table, and ran to the office.It will not be difficult to take down Yuncheng then So the plan was decided like Wolfgang Van Halens Eah7r Weight Loss Transformation How He Did It this.
This is a gorgeous dividing line After the Shenjingjing, leave Tiannanyu.The other person is even more powerful, with a burly figure, and the whole person is like a demon king.
The others had weird faces, because until now they hadn t figured out how Lin Xuan got in.Immediately, the expressions of the three late two star kings of Fat Melting Product B2l On Shark Tank Does It Deliver the Zhao family and the Dong family changed.
When Dean Xuan heard this, his eyes flickered, and then he said in a deep voice, It seems that it s time for him to know the truth.Lin Xuan Shaking his head slightly. No, if it really succeeds against the Patriarch of the Duan family, then this will be the most shocking event in the Tianwu Continent in the past few thousand years.
Dean Xuan was also shocked, and sure enough, the other party recovered.Kill Lin Xuan also held the killing sword in his hand, and rushed forward quickly.
All of you are kneeling aside, waiting for my decision.Therefore, the three one star kings quickly got up and ran outside.
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I really can t beat it, and there is also the Xuanyu Terrace of the Dark Red Dragon, which can be teleported away directly, which can be said to be very safe.The things you said are true. The ancestor Viaketo Bhb Apple Gummies A Tasty Boost To Yg2bw Your Ketosis of the Shen family frowned.
At that time, I will be thrown out from the Excalibur Villa.However, to everyone s surprise, Tian Youque didn t do anything this time.
And a kid from the Venerable Sixth Heaven was stunned for being able to enter Tianyouque in an instant, and then became annoyed.How far has his strength reached It s so terrifying that I can t see through his cultivation at all.
The dark red dragon received With that guy s method, it should not be difficult for the two of them to be promoted to Katy Perrys Weight Loss Journey How Did Uu5 She Do It the eighth heaven of the Venerable in a short time.However, he didn t dare to really kill the two of them, after all, the other party was a top disciple of Xianwu Academy.
And half a month later, Lin Xuan also came to this extremely prosperous royal city.In particular, the young geniuses of the major forces have left the field one after another, ready to show their talents.
I didn t expect that although Young Master Duan Yu is young, his talent and strength are already beyond everyone else.