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.
Es mucha la complejidad a la que se enfrentan los jóvenes; exige una formación innovadora y de inmersión para desarrollar competencias que los faculten a cumplir metas y expectativas de la sociedad actual.
La industria automotriz es un campo fuerte para el mundo de las tecnologías de información. Dicha fortaleza radica en la operación de los sistemas tecnológicos en el punto de venta.
La instalación de una solución completa para el fin de línea de Coca-Cola Bottling en Indonesia, incrementó en 50% la eficiencia de la línea en una de las empresas de producción de bebidas más importantes del país.
Outside. Lin Xuan felt tremendous pressure. Although he was strong, but dozens of elders shot together, it was really terrifying to the extreme.As soon as this aura came out, the faces of the surrounding dragon Reviews On Cbd Gummies For Ed Detailed Dlif User Feedback clan were shocked, and then Ecstasy, that s great, they prostrated on the ground and worshiped non stop, those people in the spiritual realm were terrified, what kind of aura is this Some of the weaker ones were directly crushed by this force and fell to the ground.
He said, are the people in Wanlong Dynasty crazy Do you want to cause a war between the two imperial clans The person who came to the rescue Shark Tank Ed Gummies Episode Analysis Product Features And Yyfhc User Feedback explained, there is no way, the incarnation of the Dragon Prince was killed by you, he might really be crazy.On the other side, the Fire Dragon Clan and Fire Dragon Girl are also here.
Ants Toad sneered, and Shenmeng and the others were also mocking.This is the gorgeous dividing line strode in the air, and killed the ten thousand year old medicine.
At this moment, a smile appeared on the corner of Bailifei s mouth, and everyone in the Dugu family breathed a sigh of relief.The Hellfire Dragon Sword also roared crazily, crap, extreme weapon, you actually have an extreme weapon, he feels almost crazy.
Everyone could see that the other party was full of murderous intent, and many people even left quietly.It has to be said that it has become very difficult to go above the 90th floor.
This person is called Devil May Cry. Blood Fiend Sage s eyes flickered, yes, if he can win 300 consecutive victories and successfully break through, then he can come to my blood killing camp, and I will train him well.A group of people set off, and they sensed the dragon s breath.
The two parties should have known each other long ago, and their relationship was extraordinary.This is too scary, is the other party a top killer How many organizations did they think of, hell, the world Or heaven.
Lin Xuan shot out the Spear of Destruction, like a demon god, with a strong shot, the blow penetrated the opponent s body.At this moment, they had been waiting for an opportunity, and now they finally got it.
Although they didn t like this kind of battle, they cared about it very much, because although these people were worse than them, they were placed outside But it is an extremely top level powerhouse and genius, which is enough to show the three great lineages and their horror, this Taoist sect is extraordinary.
This is the gorgeous dividing line Balance What a joke, he is no match at all, and the people of the Necromancers snorted even more, that Lin Wudi used despicable means to destroy our palace.This flame was really terrifying. Qinglian Sword Song.
After all, Ye Wudao belongs to the Heavenly Sect, while Gufeng belongs to the Earthly Sect.This is a gorgeous dividing line After people saw Nature Boost Gummies For Ed Evaluating Natural Ingredients For Male Dbdk Enhancement it, they saluted quickly, and the tree of life said, Descendants of the Qing Emperor, please help Lingyu to tide over the difficulties.
This is the gorgeous dividing line p There is a channel between each layer This channel.He looked at the big rune banner. There was a mysterious rune on it, with the power of reincarnation, but it seemed to be Inversely.
They re on their way back too, catch them fast. Everyone was in an uproar, the Overlord looked forward, his eyes burst into a glamorous brilliance, are you sure Ed Gummies Video Reviews Buybbxztf Visual Insights Into Their Effectiveness Gu Feng nodded, unmistakable.They seemed to see a fearless lion coming across the ancient time and space.
Huolong said that although the curse of the Necromancer family is powerful, it is impossible to cast it infinitely.On the mountain peak in the distance, Qingfeng and Bailifei were also taken aback, Lin Xuan It was the person they were looking for, who was so reckless.
Although the area is small, if the soil can really be restored, then the effect will be really great.Let s take a look and talk, Lin Xuan took a deep breath, there are still more than 20 Enhancing Intimacy With Sex Libido Gummies A Comprehensive Umgi Review Seljq days, check it out, is there any other way If not, then no matter what the price is, he will have to get a life fruit, Xia Jiuyou, he must save it.
They lowered their heads deeply, and no one dared to resist.Could such ugly garbage be a holy weapon kill Fifty killing swords pierced the world, but this time they were terrified, because the garbage cloth in their eyes was not damaged at all, but was Oghmeoq Gummies For Ed Product Comparison And Analysis closing rapidly, and finally, completely enveloped them.
He said, do you know my identity Yo, boy, you have a background, tell me, see if you can scare this young master Bai Changsheng sneered, Lin Xuan glanced at it, you have no right to know.He found that the old man Dugu did not make a move, but a young man who made a move.
On the side of the talisman, Lin Xuan and the others began to arrange formations.He has not joined the Science Cbd Iwbp Gummies Mg For Ed A Dosedependent Review Taoist sect for a long time, but the strength and talent he has shown are unparalleled.
Thinking that Brother Monkey should have left the underworld, Lin Xuan heaved a sigh of relief, and then his face darkened again.Patriarch Nalan s face became extremely ugly, and more than twenty elders also looked solemn.
Isn t the heart of the three worlds now able to calm my anger I will make you pay back tenfold.Bailifei was equally astonished. Although he also had great holy combat power, the two sides were different.
This is a gorgeous dividing line p Bai Zhenzhen vomited blood, he was really crazy, how could these people be so strong Boy, what to do with him It s better to kill, the dark red dragon arrives, Bai Zhen is terrified, you can t kill me.The people who rushed over were Rejuvenate Cbd Gummies For Ed Reviews Can They Revive Your Love Life Lwabexw stunned looking at this scene, you know, this is a vision of heaven and earth, this Yin Tianfeng is too powerful, he tamed the hellfire shortly after arriving, forming such a vision of heaven and earth, They looked at it like a god of hell, with endless horror and Little Blue Zejf Gummies For Ed A Detailed Review Of Their Benefits And Performance envy in their eyes.
At this moment, he was also impressed by Lin Xuan s strength.
They either die in battle or surrender. Although there are many soldiers urgently Science Cbd Gummies For Ed Reviews Scientifically Proven For Ed But What About Bavrqquh Weight Loss mobilized by Mao Xiong, the equipment and production capacity in stock Full Body Cbd Gummies Reviews For Comprehensive Ed Relief Ainkeev cannot keep up, so there is a shortage of equipment and even a shortage of rifles.If it doesn t work, let s fight in. I don t believe it s still an impregnable wall Comrade Wei Dayong Zhao Gang reminded We There is only one company, and the devils protect an airport, let alone a brigade, and there are puppet troops everywhere, how to break in We are a reconnaissance company, we can t use such brute force Li Yunlong glared at the monk I said monk , The political commissar is right, this is a brain job, don t just think about fighting all day long.
However, the chief thought about it for a while, thinking that sooner or later the Eighth Route Army would fight the recalcitrant army, and building roads would not be cost effective.This may cause you and Your soldiers cannot come back from the battlefield alive Major Thomas blushed.
This is indeed the case. On the battlefield of the War to Resist US Aggression and Aid Korea, although this gun has a range of more than 200 meters, due to the coldness of North Korea, the enemy wears a lot of clothes, and it is often impossible to kill the target if it is hit from 150 meters away
At this distance, it is not even effective. Break through the cotton coats of the volunteers.
If the distance is long, it is necessary to maneuver at full speed, and observe the actions of the enemy gunner to Gummies That Make Zqofbhk Your Penis Bigger Separating Fact From Fiction Akhwu estimate the firing time, and suddenly turn to avoid it one second before firing.Without air supremacy, tanks lose air cover and often become targets for enemy bombers and ground attack aircraft.
After waiting for a long time, the fire gradually subsided.What Wang Xuexin didn t know was that Androvich didn t actually see this.
Our warships and planes can t get close. This is equivalent to being cut off by the devil from our army s traffic in the Pacific Ocean.It was much faster than the imperial chariot. They outflanked the imperial chariot from both wings and seemed to hope to surround the imperial chariot and cut off its turret.
In fact, not only Sun Erwei, but the entire Eagle Sauce believed that the focus of this battle should be on the army on which the sun never sets, so most of the supplies and equipment were centered on the army on which the sun never sets.Chishang Chi Shangxianji threw the telegram on the ground weakly.
Some of them will, some won t. There are also people whose opinions and experiences are not unified.At this time, there were more Do Gas Station Rbjgf Ed Pills Work A Comprehensive Review than 2,000 people in the Independent Regiment and the Jinsui Army, and many of them were equipped with Jin made submachine guns, especially the reconnaissance company of the monk, almost everyone had a submachine gun.
and there are two armored wings and at least two flying brigades.There were also some devils who hoped to use grenades to blow out the flames, but it was counterproductive.
What supplies How much Li Yunlong asked again. We will provide any materials Wang Xuexin said The first batch is estimated to be worth 10 million US dollars in the form of a loan
With a clang , Wang Xuexin heard the sound of the porcelain bowl shattering.Needless to say what this is for, the smoke can interfere with the sight Blue Cbd Gummies For Ed Xbcugjgq An Indepth Review Of Their Efficacy And User Feedback of the gunners of the Eighth Route Army to protect their own tanks.
After a while, Wujin took a piece of discarded leftover material, and still picked some with branches and put them on the iron sheet.Some of them collapsed on the spot and collapsed on the ground, some raised their hands and surrendered, and some felt ashamed to face their comrades again, and simply swore at the devils with guns in their hands
Sun Ming knew that these rebels were desperate, But he was still relentless, commanding his subordinates to point their guns at the Cbd Blue Gummies For Ed Navigating The Options Izjbbu rebels and kill them one by one, even those who had already raised their hands and surrendered.
Based on his experience, he knew that the bomb fell at least two kilometers away from their location.The monk used this trick called Mingxiu plank road to cross Chencang secretly
Shi Sha feigned an attack from the front, fired a few shots and killed a few devils but did not launch a strong attack.
What kind of flame was it It was so terrifying that even the Ninth Layer Venerable could Drachen Male Enhancement Amazon Verified Customer Reviews Nrwys not compete against the other side.Please pay attention to rest your eyes when reading for a long time.
This is the gorgeous dividing line If I absorb the complete Purple Thunder Divine Bamboo, not only will my cultivation level be improved, but I will definitely be able to condense the Thunder and Lightning Martial Soul.And that purple white thunder fist, like the fist of the thunder god, quickly broke through the thunder hand, and blasted at Elder Linghu with a more violent posture.
Not only that, when the elders and powerful men of the major families heard this voice, they trembled suddenly, and a look of shock appeared in their Tto Choice Cbd Gummies For Ed Making The Right Choice For Weight Loss eyes.Here, you will get unexpected gains. Hearing this, Lin Xuan became more suspicious.
Ba Wuji also sighed, feeling powerless in his heart.Even these people Blue Vibe Cbd Gummies Faxkoqzy For Ed An Indepth Review and Lin Xuan didn t expect that there would be such a legend on the Tianwu Continent until a thousand years later.
But these people didn t give up. Since they couldn t collect evidence, they planned to follow the other party.The Happy King stared at the dark red dragon with fiery eyes.
Everyone was stunned when they heard this. They thought that Lin Xuan would make a strong attack and attack the tree demon, but they didn t expect to threaten him.For example, half level treasures are extremely precious, but in the Tianwu Continent, those top big family sects still have a lot in their hands.
It seems that besides this starry sky, there should be other spaces in this Xingchen Pavilion, but they have not been discovered yet.There are not many such treasures in the king s family, and they Cbd Blue Gummies For Ed Comprehensive Ytonhyjq User Reviews And Benefits are only given to the most important people.
Hmph, kid, I don t care how you entered the king realm, but with your strength, you are still an ant in front of me.Different from those law enforcement teams that died before, this time he is the number one rudder master, that is the existence of the pinnacle The Appeal Of Blue Gummies Cbd For Gsflt Ed A Colorful Solution of the Eightfold Venerable, the third ranked master in the entire Nether Hall, and he is very young, with a bright future.
By the way, Ninth Elder, why did Cbd Blue Gummies For Ed A Blue Horizon For Ggeybkwi Erectile Dysfunction Treatment you go back some time ago Could it be that something important happened in the God of War Palace Lin Xuan asked.This mountain range is the best in the entire Tiannan Region A spiritual vein, very strong spiritual energy.
Because the sky was filled with countless sword qi, Proper Cbd Wfybhhd Gummies Reviews For Ed Business Analysis a very huge dragon shadow hovered above, crushing the entire void into countless pieces.The reason is very simple, because although Lin Xuan showed great strength, so what.
Bang bang bang the next moment, the three elders were pressed to the ground by huge light palms.Although there are not many, it is still enough for now.
In their opinion, the other party was definitely dead.Gradually, they seem to have lost even time, and no one knows how long it has passed.
Tianyouque opened its bloody mouth and spit out a small black tower.After Lin Xuan and others came to Tianfeng Kingdom, they felt the festive atmosphere.
However, what reassured him a little was that the woman in white in front just looked at him coldly and didn t intend to make a move.If it really doesn t work, he can also control the Myriad Beast Cauldron, which is his biggest trump card.
Even if there are many secret methods, it is difficult to compete with the prosperous Tian Youque.What s going on The warriors around were shocked, not knowing what happened.
Although the descendant of the fourth generation of Dragon Sword is gone, the black earth is still there, and he has a lot of exercises in his hands, all of which were used Blue Gummies For Ed In Canada Navigating Ddboyt The Canadian Market by the descendant of the fourth generation.The sky is also gloomy, like a dark cloud, covering the top.
This breath is so powerful that it even makes all warriors tremble.Although he was not a bloodthirsty person, but at this time he did not have any compassion, because these people tried every means to kill him, and now he just returned it.
But how is this possible Those law enforcement teams are all venerables.The next moment, the landslides and the ground cracked, the sky and the earth shook, and the huge body of the Nine Tailed Fox was thrown out.
He didn t believe until he died that the other party could kill him with a single sword.The whole process was completed in an instant, so no one in Nanhuang Ancient Town knew that the battle just happened.
They don t have much life expectancy, so they want to go in and fight hard.Lin Xuan s expression was cold, his body swayed, and he quickly avoided the murderous intent.
Moreover, the Duan family will not let him go. Lin Xuan didn t want Shen Jingqiu to be caught in such a fight.They also understand the current situation, but they never imagined that Lin Xuan is still so arrogant, and doesn t pay attention to the landlord of the Shen family and others.
They didn t expect that it was Dong Qianshan who had reached the strength of the three star king who retreated.When he realized it, the opponent had already come in front of him.
The king s killing array is extremely terrifying. Up to now, those peerless masters have all died, and only some useless warriors are still running for their lives.
Por Alejandro Saracho, experto en finanzas personales; autor del libro Reconfiguración financiera.