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.
El conocimiento financiero es un imperativo para los gerentes de operaciones y cadena de suministro en el mundo actual. Hablar el idioma financiero no solo les brinda un asiento en la mesa de toma de decisiones, sino que también les permite influir en el rumbo estratégico y operativo de la organización.
La atención al cliente es un traje a la medida. Existen compañías que pueden prescindir totalmente de las líneas telefónicas; existen otras que requieren interactuar por ese medio.
She only thinks that she can live without a man, but forgets that the child cannot live without a father.Let s go pick up the little guy from school Yes. Bai Luo said he was going to pick up the young master, and he became energetic.
Take your mother and get out of here Why can he always find where he is Wow The little one cried loudly amidst Mu Xinran s scolding.It instantly diverted Gu Ruoyi s attention. The little guy pursed his lips and muttered in a low voice Humph, Daddy is fooling the kid again Li Shaoting looked at the little guy in surprise.
She must be very sad that Xiaojie would do such a thing to her Ye Zixiu fell into silence.How could he not miss the woman who made him crazy Daddy, don t you miss Xiangxiang s mommy Xiao Chen looked steadily into his daddy s eyes and asked in a low voice.
I am looking forward to seeing his expression Lin Yan remembered that after hearing this sentence, he couldn t help but be alerted.You can also call me Xiaochen, or little cutie, or big baby.
Is it the food cooked by the servants here Isn t it delicious Xiao Min slowly raised his eyes to look at the old man.Hey, this time, he didn t hug the little guy because he just had an operation and didn t disinfect it.
said nervously. You two losers, do you know what a ward is Is there anything that is not in the ward Lin Yan was dumbfounded by the two bodyguards here.He touched her shoulder lightly, but Mu Xinran shook her and said with a cry Don t touch me, it s you and your grandma who hid Xiao Min Ye Zixiu was silent.
I m irritated. I simply made it clear that I didn t like her, and asked her not to contact me in the future.I m talking about when I ll give you a sister. Knowing that the little guy also wants a sister very much, it s better to say something that makes him happy to avoid him asking further questions.
He couldn t help but frown. He squatted down and said, Why are you sitting on the floor like a child I think the ligament is strained and Ruoyi can t get up.Gu Ruoyi and Han Liunian walked inside together. It seems that you have put a lot of effort into skin care She was so tanned just after returning from Egypt some time ago.
If he planned to argue with a woman, it would be very ungentlemanly.If you want me to serve you, pull me down. If you want to eat by yourself, I won t serve you With that, the thin man quickly took the hug.
Why Because you are the son of Mu Xinran, a bitch Mo Wanwan glared at Xiao Min with bared teeth, already subconsciously glaring at the child as Mu Xinran.Well, I m really sorry, because I just called someone to send food.
It s been two years, and it s time for them to have another child.Like stars. Gu Chenxi listened to her nephew s soft voice, stretched out her long arm, and pulled the little guy in front of her.
When Gu Ruoyi came out of the hospital, she saw Huangfu Ling s car parked outside the hospital.He stretched out his pink tongue and licked Gu Ruoyi s clothes, licking it with relish.
That mother is now awake. Where is it Yan, I heard that my mother is awake.When I looked at my arm, I saw a very large ant. Lu Qianxue was frightened and jumped up, Go away, go away and then plucked the ants on her arm.
Gu Ruoyi was afraid to go forward, nervous and uneasy, and looked back from time to time.Why didn t Ye Zixiu, a bastard, let him go Wow wow wow The little voice was deafening, hitting Mu Xinran s heart one after another.
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Taoist nun Mei had no intention of looking for a Taoist companion, so this incident became an anecdote on the mountain that caused a sensation in Aquarius Island.Ning Yao thought about it carefully, Actually, it s the same. Qi Jingchun pointed to the location where the two of them were before, and then clicked on another place.
Cui, he didn t even ask about his identity. He quickly led him into the official residence and led him to the other courtyard where Mr.after Happy Place 9995 Cbd Gummies Benefits Reviews And Science Behind hearing the sound, he said with firm eyes There is no way, the wooden bow must be brought back, otherwise our previous efforts will be in vain And I shot an arrow at the old ape over there in Mud Bottle Alley, it is indeed like Miss Ning As you said, even at such a close distance, as long as the old ape is not hit in the eye, the damage caused can be ignored.
Liu Baqiao seemed to be born to deal with people. He had three religions, nine schools of thought, emperors, generals, peddlers, and servants.It turns out that although marrying a wife is not a top priority, it still needs to be considered. When he thought of this, Chen Pingan, who was giggling, suddenly came back to his senses and felt a little embarrassed.
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I don t care about local customs. But don t forget, this knife is lent to you, not given to you Chen Ping an was a little confused, but stretched out a hand to catch the dagger.They re not far from here. It just so happened that regarding the division of Longji Mountain s division of Zhanlongtai, in front Lord Jones Cbd Lip Balm Review A Comprehensive Analysis Of Its Benefits And Effectiveness Fmjyv 05 of the people from Zhenwu Mountain, It s hard to tell directly.
It took thousands of years before the bunch of small gourds came into being. They were of different sizes and colors, which was very magical.I wonder if God finally stopped taking a nap. Li opened his eyes and woke up, feeling that it was Chen Ping an s turn to make Cbd Gummies How Many Can I Eat A Comprehensive Guide 79 To Safe Consumption Bwqwx his fortune.
It s that simple. Do you understand Of course I do. I understand, Master Song s words are not obscure. The young man sneered Only for what reason The man smiled, turned around and looked at the young man for the first time, and asked The sissy named Song said that you are extremely talented.But at the same time, he could also guess that this turmoil would not end here, and might involve His Majesty the Emperor, and of course the Saint Ruan Qiong.
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Well, in our jargon, it is not a battleground for military strategists. It is dispensable, but it is for those who rely on incense.Miss Ning, he should be considered a practitioner, right Ning Yao said something that Chen Pingan couldn t understand, It s a bit similar, but it s actually different, but for you , there is no difference.
With the family s power far away and the saint s protection right in front of her, could she not be arrogant Liu Baqiao suddenly asked Tell me about the people who see the natal porcelain and the people who buy the porcelain.Zhu He was a simple minded person. Even though he was a martial artist in the fifth realm, he still had the patience to apologize to his child and promised to buy him a complete set of brand new clothes when he left the mountains and entered the town.
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Didn t you hear what Manager Xue just said Small Town For thousands of years, the archives have only been related to one other branch of the Chen family.Flying sword. She is more like an ordinary martial artist walking around the world with a handy magic weapon , as long as the blade is sharp enough.
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Good poetry, good poetry, he murmured.Why is there only half a que Zhang Shen, a master of the art of war, couldn t help asking when he saw that his students didn t continue to chant.If you have any questions in the future, you can directly contact the officials.
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No.3 s information appeared on the mirror, which slightly changed the color of No.The emperor I am willing to protect once, but not necessarily willing to protect the second time.
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Studying at the famous White Deer Academy in Kyoto, it is highly valued, and it is also a new recruit.This time the house raid was led by a silver gong, four groups of gongs and twenty four white servants.
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She turned her head and stopped looking at Chen Pingan, as if one more look would dirty her eyes. The young Chen Ping an has indeed never seen the world, but that doesn t mean he can t read faces.I hope you will become a dragon in the future. It is also a big obstacle, because the righteous gods of the rivers and lakes will definitely share the same hatred and stumble you Will A Sativa Gummy Help Me 799 Sleep Uncovering The Truth Wwgvp along the way.
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Didn t you hear what Manager Xue just said Small Town For thousands of years, the archives have only been related to one other branch of the Chen family.They are a couple made in heaven. They might as well get together. Anyway, Mud Bottle Alley is a place where garbage bitches live.
Whatever defense he needs, he can defeat the enemy ten times with one force and crush the enemy with one go.The master comes forward, plus you, and the three parties sign together to make it final. However, the earth masters led by the two Mr. Qingwu are still carefully surveying the terrain and geomantic omen of The Benefits And Features Of Biogreen 4572 Blood Cbd Gummies For Overall Well all the mountains for the time being.
His body is extremely powerful, even better than the body of a Buddhist Arhat. Once a Qi practitioner is approached, he will be within ten feet.There will still be water flowing down through the gaps between the stones. Chen Pingan is not in a hurry to block the gaps with gravel and sand, but builds another horizontal one.
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Liu Baqiao let out a sigh, That s not right. Didn t the sword scripture passed down by the young man named Liu come from the traitor in Zhengyang Mountain Of course, he is also one of the ancestors of our Fenglei Garden.Some say he went to the far western Koi Cbd Coupon Save On Premium Gummies 551 And Tinctures For Relaxation Pure Land Buddhist Kingdom, to debate scriptures with the Buddha.
The man smiled and said That s all, that sour scholar named Song has always been cautious and cautious.Of course, before going to the school, Miss can stop by Qilong Lane and load Miss Shi s things onto the carriage.
Besides, really If you annoy the old slave, he will reveal his true form at worst. The old slave wants to see if this square of heaven and earth can support the old slave s thousand foot true body The old slave stood up with great momentum and said Miss, the corridor I don t need Barking Good 44 Results How Cbd Gummies Helped American Dogs Shed Pounds to pay attention to the matter of the young man on the bridge.
Once we mess up and provoke the thunderous wrath of those old men, let alone me, Fu Nanhua, or you, Cai Jinjian, even our parents and master can t bear it Cai Jinjian said with a smile So in a small town During this period of time, we must be honest with each other and cooperate sincerely, right Fu Nanhua also showed his handsomeness in this dark alley, and smiled Besides.
Fu Nanhua turned around and looked He glanced at it, looked away, and lowered his voice and said We Nature Boost Cbd 6395 Gummies Reviews A Comprehensive Analysis Neono still need to be careful about those two people.
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Por Alejandro Saracho, experto en finanzas personales; autor del libro Reconfiguración financiera.