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.
En un entorno donde los desafíos climáticos y económicos afectan directamente a las cadenas de suministro, PepsiCo ha dado un paso estratégico en su visión
Entre el 17 de enero y el 7 de febrero despegaron más de 163 aviones cargueros desde Ecuador y Colombia, triplicando el promedio de envíos regulares semanales.
El año 2024 se presenta como un periodo emocionante y desafiante para la fabricación aditiva. Los avances tecnológicos, las tendencias sectoriales y la evolución en la gestión de la cadena de suministro están destinados a redefinir la industria, marcando un camino hacia un futuro donde la impresión 3D desempeñará un papel cada vez más crucial en la fabricación moderna.
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My lord Fuyou hurriedly saluted Gong Gong. What s wrong with you Seeing that Fuyou was injured so badly, Gonggong was surprised.
Lin Haoming said. What is he doing with so little nonsense Take it easy to make things worse for him.Among these things, the most common ones are magical fruits.
Instead, before killing more than a dozen heads, he seemed to be commanding others, and he seemed to have a rest.It would be bad if you let the mother of the child know
When the person left, Lin Haoming asked, Your Majesty, you have nothing to say.
In fact, you know that there are no extinct species of demons.For such a situation, even Wei Nao no longer expects to destroy Dai Guo quickly, and it seems that it is not bad to be able to nibble away step by step.
But Li Guangxun immediately said It s impossible to make up for hurting people s hearts, but if there is no one in case, it will be broken.The same is true for four star tasks, and for members of the Servants of God Generally speaking, it is meaningless to complete tasks below one star.
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If I am not young, Ning Lin would have thought about whether to let me wear it.He Zhenting felt helpless when he heard this. My sister said that she had already thought about everything.
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But as soon as Bai Rou woke up, she recognized the guard s eyes when she saw him.For the prince. Dayue was established, followed the original system of Wei, and abolished the inner minister.
She just speaks directly and can beat around the bush.Because it s easy for me to do things myself. If it s difficult for you to do it, and you re in the inner sea, your life and death are under my control.
Lin Haoming ordered. Yan Meng put her arms around your shoulders and said Don t be stupid, it was really paid for with your life.Today you are eight miles away from Enze County and set up camp, pretending to attack the city tomorrow.
The Seventh Prince s mother is just an abnormal palace man.After a while, Shilou came out again, signaling that Lin Haoming could not retreat.
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in the end it depends on people, this is not the time to show off your skills.Do they want to die, you fulfill them. Wang Mowang waved his whip at the person next to him who had recently put on a weapon.
Sure enough, it didn t take long before Dai Guoxiaojun rushed down the city, and it was only a matter of time before the city was captured.I don t know how long it took. Lin Haoming hasn t seen it yet, but no one is taking care of the fire.
Many people ran out to enjoy the wonders of that day.Although Lin Haoming was the most powerful, An Rumiao obviously wooed Hu Qingding Lin Haoming felt that this woman was really restless.
Qi Feiyu joked deliberately to ease the atmosphere.It s not the one who greeted him just now. Lin Haoming pointed at Cao Songren.
If you leave, you will come back again. Maybe they will know the reason when they get Cbd Gummies For Penis Health 4742 Benefits And Uses to the place.Before sending Lin Haoming out, Lin Haoming was in a bad mood, and things were worse than I imagined, but on the way back, no one brought him with him, so he could only rely on his legs.
On the plateau in winter, a team of thousands of people escorted more than a hundred people from the Qing Dynasty s family, and walked towards the east at a leisurely pace.Wu Niu, why are you here Seeing them appearing, Lin Haoming was also very surprised.
At that time, my mother had just passed away, so I took over my mother and became the Empress of the Lake God.Does my husband know that there is no place in the sea where we can live Wei Que asked.
Liang Mao fought very well in the north, but Lin Haoming encountered trouble in the south.The beauty was so beautiful that she gave birth, and when she saw her a few days later, she went back to see her son.
Cheng Xiaosuan pointed in a direction. Did Cheng Xiao say anything that time, but remained silent.Is there anything I can t give to the Marshal You may not be worth anything if you are not yourself, as long as the marshal can protect you and the baby, you
Having said that, Yin Ai said yes to go up, tears kept coming up.
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After a few people got back under the boat, they heard a crackling sound coming from Cheng Baikong s room outside the cabin.The driver was a little puzzled, but the man said more firmly Listen to me.
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He had never thought about this matter before. Lin Haoming s words really gave him a new way of thinking, and he no longer underestimated Lin Haoming for a while
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Time passed by little by little, and when it was about to dawn, the dark clouds also dispersed, and the rising sun and the waning moon met in the morning.The latter was of the same lineage, but Zhang s Yue State had been passed down for hundreds of years, and after taking it, it was only a few years.
As a result, I was the only one in my family who survived.Originally, there were only 300 guards in the swamp.
Por Alejandro Saracho, experto en finanzas personales; autor del libro Reconfiguración financiera.