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.
Cada decodificador tiene contenido educativo almacenado precargado y 5GB de internet que mensualmente serán recargados para uso y consumo de los contenidos del programa Hogar Conectado.
La IA está siendo aprovechada por la industria de viaje como una oportunidad para atender a sus clientes de una forma más personalizada y más económica.
These people appearing together, it is no longer a personal grievance, This is a conflict between two forces.It is a great good thing that this person is an apprentice, and he can even use this to explore the secrets of the other party.
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Hahahaha, they all laughed loudly. At this time, a shocking voice sounded, and a sword light pierced the sky like a thunderbolt, directly splitting the whole world.However, he was completely angry, and made a move against these people in front of him.
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This blow was five times stronger than before. Demon finger.save us. The Gorefiend can t care about anything else, let s talk about running away now, the person who killed the temple frowned first, and then laughed when he saw the two of Luo Sha, hahahaha, I finally found you.
I think there should be some changes in the soil in this valley.He waved his dragon claws and punched out the same punch above.
Shu Luoyu and the others shook their heads, thanking them for their great kindness, and just asking if they need help in the future.In the end, he exiled himself. At the same time, a mirror appeared on his A Detailed Look At Power Cbd Gummies 915 Reviews For Ed body, shattering the world, and he was able to escape.
Dugu Xiaoyi. With a beautiful smile on her face, she tilted her head and said, I m here specifically to find Mr.Do you think you ants can block one of my fingers It s so easy for me to kill you.
Seemingly a little impatient, he directly added 200,000 spirit stones in one go.My concubine can explain a thing or two Shen Yan made a gesture of invitation, and said her request with a smile.
Lin Haoming instantly felt a tingling pain in his consciousness.Meng Song said. What The Zeng family only sent a concubine, and they can get half of the share.
I know that although your cultivation base is low, your strength is not weak.He just speculated based on the strength of the other party, at least he was also a body refiner above Huashen, it just existed like this.
Under the flow of runes, a word wind appeared, and the runes under the jade seal instantly surged, forming a hurricane, but under Zhao Keming s method, the hurricane did not sweep away.The next moment, a mosquito like insect finally appeared, and Lin Haoming also Cbd Living Gummies Reviews Relief 12 And Relaxation Insights saw clearly that the thing that pierced his shoulder was indeed this A straw in front of the bug s mouth.
In the entire so called Tianmo Temple, there are now five people besides the man who was drinking at the beginning and Hua Tiangang.It won t take too long for us to search for the Is Pure Kana Cbd Gummies Good Benefits 96 Side Effects And Reviews mysterious flame in your mouth.
Lin Haoming felt a little embarrassed, rubbed his nose and said, Xiao Rou, you are right.Give up some materials Zhao Keming listened, pondered for a while, finally nodded and said Well, since that s the case, there are twenty seven Spiritual Realm Fruits, if Fellow Daoist Lin is willing to give up the tortoise shell Give it to me, then Understanding Antiemetics How They Work To 914 Prevent Nausea take fifteen pieces, if you give up Twin Elements Cbd Gummies A Comprehensive Guide To Their Benefits And Uses 09 other things, then take seventeen pieces I want to keep at least ten pieces The minion Lin still has some uses, and the blood essence also wants to refine it.
But at this moment, a green light shone on the surface of the water.Who knew that this woman really took it seriously. With the demon soul contract in his hand, there was only a wry smile in his heart.
Lin Haoming only felt a huge force enveloped his body, and his body had no ability to resist, so he flew straight up.The younger generation is called Zhang Yao. Because she was brought up by Sister E, she took her surname.
To be continued. The fastest update Oh This Golden Flame Grass is actually an auxiliary Finding Effective Relief With Cbd Pain Gummies 2135 Near Me Xxetp material for refining Tiangang Zhengyuan Pill, which is really surprising After flying away from the volcano, the three of them returned soon.
Lord Zu looks happy, did something good happen last night A guard winked and said, with Does Expired Cbd Gummies Work 5625 A Comprehensive Guide Dntvf dark circles and a look of kidney deficiency, he was Pu Duandiao, who loves to go to brothels.Let s say that Zu an put the Nine Cauldrons in the altar, and not long after, Cbd Gummies For Migraine Natural 838 Relief Guide there was a sudden rumbling sound, and a big crack suddenly opened on the ceiling, and a section of steps extended directly down.
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Of course, it wasn t because he was really obsessed with sex, but because he suddenly remembered that he had promised King Peacock Ming some time ago.The female disciples outside started discussing one after another Who is that person who makes black and white chessmen treat them so seriously Could Is Tetra Bliss Cbd Gummies Legitimate Reviews Benefits And Facts 2691 it be some kind of chess master How is it possible, who in the world can beat black and white chessmen in chess , even in terms of chess skills, he may not be his opponent.
Thinking of the beauty of their intimacy, her cheeks felt a little hot.The bone suddenly sat up, opened and closed its mouth, and made the same sound as before.
Eunuch Wen suddenly woke up, I am an eunuch, why do I care about whether people are beautiful or not, hey, what a really sad story.Although he didn t understand the meaning of the word, he could feel the shame coming from his soul.
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However, he was still a little inexplicably irritable, and he pricked up his ears to hear what the two of them were talking about.In desperation, he could only accept his fate, and could only stare at Zu an bitterly.
He used to fight to death in the ring before on such occasions, and let the referee stand The elders and masters commented on it, but I never thought that now I have become a referee to comment on others.There is no trace of it anymore. This mulberry forest seems to have an inexplicable force field, which Unlock The Full Potential Of Cbd Gummies Discover The Power Of Cbd 891 Gummies Use For A Healthier You greatly affects the detection range of the spiritual sense of several people, and Zaan also found that there are many small animals in the forest, but his jade cong can t make them act like himself.
Can t break through the ice at all. What a powerful cold flame Feng Yi also showed horror in his eyes after seeing it.Regarding the final parting, Cheng Yueyao sighed softly, and Lin Haoming could only sigh inwardly.
In fact, after the corpses attacked him, Lin Haoming already felt that Understanding The Benefits Of Markers Cbd Gummies For A Holistic Life 4782 the four corpses were completely different from ordinary corpses.The cultivation base is not weak. But in the face of the six demon sects, do you have the strength to save this sect Today s Lin Haoming is also very contradictory in his heart.
Otherwise, when this person advances to become a god, I m afraid no one in this world can suppress him Li Feng said.Fellow Daoist Ren is only over 300 years old and advanced to the late Nascent Soul stage.
With a flash of his figure, he not only avoided the storm.Looking at Qiu Yulan, he was already thinking about how to win.
Then, after exchanging pleasantries with Shen Yan for a while, Lin Haoming sent her away.I think Mochizuki won t know your existence in the future Lin Haoming suggested.
Por Alejandro Saracho, experto en finanzas personales; autor del libro Reconfiguración financiera.