10 metas financieras para el 2018

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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This was terrible, such a potential enemy. nothing can be done to keep him alive.Each maid had a cultivation level in the middle stage of Nascent Soul.

Zhenjun Chiye also felt the power of the sword array, but at this time he had no other choice but to bite the bullet and launch an attack first, hoping to seize the upper hand.If it weren t for Qingyang more than thirty years ago, he would have obtained those two soul mingling stars.

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That little distance couldn t stop them at all. Although the underworld water had an impact on spiritual thoughts, everyone quickly found the isolation formation behind the underworld water that the giant Ghost King said.Do they look good They will be ready in three days at most Seeing that the woman did not answer her question The problem was that Effective Strategies For Nikocado Avocado Weight Loss Lrla 0vv he was just talking to himself, as if he believed that he was the father of her heartless child.

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When he spoke, the Sky Strike Thunder Hammer flew out of his body.The materials of this flying boat contain materials taken from the dragon clan.

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But Zhao Hao felt something was wrong. Be careful He whispered to Mia, who came to join them.When you reach the top group, you will find that you are surrounded by acquaintances.

The second level is actually not too dangerous, with adventurers killing each other.If the blood transforms it into a dragon, then the dragon master s expertise can also be effective.

The reward has been completed, so he naturally wants to accept it.Canopy of the What Ujx8phb Stores Sell Cbd Gummies Fl4g Dead The first is to supplement this auxiliary spell.

The guaranteed price offered by the Falcon Principality is only a profit, but not a huge profit, so others will think twice every time it drops by 1 gold coin.The Undercity does not prohibit people from other camps from entering.

Next to it is a much smaller pile of copper ore. Rust Copper Ore Green Excellent Rust copper can be refined and used to cast tough equipment and weapons.It was the flames that kept burning the spider silk into ashes, otherwise they would be in big trouble.

Even a magic battleship cannot defeat a fleet. If the Storm Territory did not belong to Zhao Knockout Cbd Gummies 3uex Xbou Hao Yitang, they would stop them at all costs.The disadvantage is that the wind, waves and monsters in the open sea are far beyond Is Keto Ripped Gummies A Scam A Comprehensive Review Of The Elite Keto 421 Plus ACV Gummies Xxno what can be compared to the offshore area, and only ships in the open sea can use it.

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The Irollan Empire was passively beaten in the early stage just to solve the temporary passage.Obviously, the opponent s ability to manipulate yellow sand is not a spell, but like Feida s talent, it has not been weakened.

Quickly open the shackles and chains. Once done, several vines drag the opponent out.For ordinary treasures, the information must be concealed extremely secretly.

Yes, sir Winnie left respectfully. Compared with others, she watched Zhao Hao grow from a small lord to a lord with a population of nearly one million and commanding terrifying combat power.For shadow swordsmen and phantom shooters, they would be completely helpless when facing such a thick stone layer.

Sir Feida seemed a little surprised when she saw that Zhao Hao had no intention of letting the phantom shooter take action.