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.
La principal función de un sistema de administración es gestionar y controlar los recursos, procesos y operaciones del negocio, por lo que es fundamental integrar la facturación electrónica a este sistema.
El crowdsourcing está redefiniendo la forma en que las empresas manejan las devoluciones, ofreciendo una solución que no solo facilita el proceso para los clientes, sino que también mejora la eficiencia y reduce costos. Al adoptar estas innovaciones, su empresa puede transformar las devoluciones en una ventaja competitiva, incrementando la satisfacción del cliente y fortaleciendo la lealtad a la marca.
La tecnología impulsará la industria del transporte aéreo del país y su primera muestra fue en el Aeropuerto Internacional de la Ciudad de México con Leo.
The ordinary great monks he imagined were based on great monks of the level of Brother Ge Guang and Brother Qiao.Even if he faced such an attack, he would only have the option of retreating first.
The three Nascent Souls wanted to escape in fear, but as they bumped into the flying sword trees again and again, they understood that the possibility of leaving here was extremely slim.Li Yuanba discovered that at some point, Venerable Hongfa really opened his mind.
Is it because it cannot provide enough resources to the mid stage Nascent Soul monks With this extra cave, at least half of the great monks from the Ten Thousand Beast Sect can appear.Normally, great monks do not have enough resources for their own cultivation, so of course they have to think about their own cultivation first.
He gathered the energy in his body and walked out of the Baolian Hall.In ten days, he obtained several more Hell Tired Crystal Essences.
The information received by Senior Monk Lou was also received by the other Senior Sword Cultivators.In the mid term, monks can detect and dodge in advance.
However, the core of Lang Cai s powerful cave brought back by his clone Li Yuanba has a high possibility of making up for the shortcoming of the half life cave.In fact, fortunately this time, the sword cultivators in the early stage of Yuanying returned both physically and mentally.
When you recover, we can talk about elixir refining again Elder Su continued, seemingly forgetting about Elder Jindan who was begging for elixir.Whenever the great monk Yan Gao thought about facing a great monk who had mastered the magical power of Innate Yimu , he couldn t help but get headaches.
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By the time Li Yuanba broke through all the muscles and bones, he would have finished his work long ago.He took out the identity jade disc and sent a message to the resource point.
Did you leave me behind on Anyu Island and run away alone Are you ashamed to come back and apologize to me Brother Luo Pei did not panic.experience. This is almost the core inheritance content of a super power.
If it weren t for the purpose of testing his various combat abilities, Li Shiming could quickly The Benefits of Apple Cider Vinegar (ACV) kill the mainland monks with just one blow.Since his cultivation speed was extremely fast, he could no longer maintain this speed in his subsequent cultivation.
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This might very well mean a new technological breakthrough, and even become the key for geometric civilization to defeat those silicon based monsters I think the technological level of the other side s civilization should be inferior to ours.There are people like Raphael and others who have The 2025 Shark Tank Keto Pills Episode: Insights and Takeaways good connections and came here to discuss the theory Why Choose Justified Laboratories Keto Blast? of photoelectricity.
But we don t need to be afraid, panic, or fearful The great Lord is watching from heaven right now, watching everyone who fights to the death for the empire and the church Death and Metformin is a drug used to treat type 2 diabetes. faith are the things that open the door to the kingdom of heaven and allow the soul to live forever.Lauder waved his hand, like a What Do Customers Say? wolf and a tiger. The gunmen immediately rushed forward and dragged them down tied up.
His gaze suddenly became extremely sharp, as if As sharp as two blades.Harrov and others looked solemn, but they soon relaxed.
According to the translation of the signals we have received in the past few days, the other two legions are making very smooth progress in regaining the kingdom s territory and have not encountered any strong Benefits of Using Weight Loss Gummies for Post-Pregnancy Weight Loss obstacles.They must expend more energy to reach one tenth or even one percent of their original speed To a certain extent, God s Domain is the nemesis of the warp engine
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They were thinking ways to solve the problem of radiation pollution.No one can guarantee that they are always on the right path.
Isn t it perfect After explaining the photoelectric effect eloquently, Anthony personally wrote a lot of pages to refute Jeffrey s wave theory.The only way was to secretly purchase grain from outside and pretend to have sufficient reserves.
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Your pendulum clock is very well made. I think every city, town, and even everyone will use such a convenient timing device in the future.They had already calculated the circumference of the planet under their feet, and it was about 40,000 kilometers.
In this way, he, the legendary speaker, was not as good as Lin En, the great wizard, in the eyes of the other party.Only quanta that are also in a Is Tirzepatide Better Than Semaglutide for Weight Loss? A Detailed Comparison microscopic state will show particularly obvious fluctuations compared with their mass.
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Turing was about to speak when his attention was caught by something amber like on the table in front of Zhao Hao.
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If the other party doesn t take advantage of it, there is something wrong with his IQ.As long as you don t encounter archangels, archdevils, etc.
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Tsk tsk Food will become the strongest weapon of the Storm Territory.Chapter 632 Credentials of employment and destruction of the city The Invincible Heroes Dragon Lord Chapter 632 Credentials of Inauguration and Destruction of the City The other party is indeed dead The corpses turned into ice.
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And what would it be like for these two guys with thin skin and tender flesh to stay with hundreds of big and thick Qiuba every day He must have done the most tiring work, eaten the worst food, suffered the most severe beatings, and suffered the most anger
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The problem is that these grains are the inventory and output of a territory with a population of less than one million, which is very outrageous.Even if the injury recovers, it does not mean that the strength has returned to its peak, so the alchemy circle is needed to assist.
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Two days later, on Friday, February 15, good news came from Xingyu Technology.
But at this moment, someone suddenly said Mr. Fang, can everyone take a photo with you Everyone couldn t help but look at Fang Hong, who nodded happily The Importance of Consistency and Moderation in Achieving Weight Loss Goals No problem.Although the old Americans may regret it in the future, they still have to avoid the limelight and wait for a while before making trouble again.
Galaxy concept stocks exceeded the collective Average Weight Loss Results You Can Achieve on Semaglutide five day daily limit.61 today, closing at 2245. 33 points. It fell 84 points that day, and the Shanghai Stock Index once again fell below the 2300 point integer mark.
57 , closing at 2432. 40 points. In terms of individual stocks, Xingyu Technology closed up 7.After all, billions of dollars are really not a small sum.
It can be seen that Qunxing Capital actually plays the role Was sind die Risiken und Nebenwirkungen von Abnehmpflastern? of a real fixing star and ballast stone in it, providing strong confidence support when the market falls into panic.Now he is worth 1 billion, or 1. 4 billion to be exact.
The city will inevitably accelerate expansion and promote the upgrading of various infrastructures.In the first two months, the price fell from 100 yuan and was almost halved.
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The previous bottom was offset and fell by 0. 5 percentage points.This is normal. As of the close, the Shanghai Composite Index closed up 0.
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Not only a complete industrial chain but also a huge amount of electricity is required, and electricity is our Our specialty is that if one person in the world can be compared with us, we say that no one in the world dares to say that we are second.The most critical transaction in Why the Coffee Method is More Effective in 2025 Chen Yu s investment career in 2009 was to use 25 million funds to double the leverage and buy Shanqi Coking Coal with a total of 50 million.
It is appropriate to describe the market turnaround in The Power of BHB early December with the word No Ji Tai Lai.Instead, it would take most of the credit and be commended for it.
Before the US stock market is sold, the funds are received in real time.It is highly likely that the doubling of growth rate in 2011 will be difficult to break through, unless human civilization can break through the constraints of the earth and extend to the moon, Mars and even the entire solar system, bringing unprecedented expansion and growth.
The RMB deposit reserve ratio for Customizing Your Calibrate Weight Loss Plan financial institutions will be lowered by 0.The profits are simply huge profits. They have been suppressed like this.
building a telescope and launching it is the best counterattack.This situation also made some people immediately think of the seven galaxy themed public funds.
Others in other countries or regions These investment institutions were also affected.By then, the company s price to earnings ratio is only seven or eight times based on the current price to earnings ratio of around 500 billion, which is lower than many banks.
Revenue scale, a year on year increase of 288. Tian Jiayi continued to report The company s Impact of Shark Tank on Keto Product Popularity net profit in the third quarter was 24.956 billion yuan. It was the second largest stock in the two cities in terms of trading volume today.
Do you have to spit out the meat you put into your mouth But after such big news, the outside world found that the reaction of Stars Capital was really paradoxical.Without Qunxing Capital s insurance, they would never dare to do this.