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 donación de Bayer fue el primer cargamento recibido en almacenamiento seguro en la Ciudad de México donado por Kuehne + Nagel International, que servirá como centro principal de logística para Direct Relief México.
Un factor que cambiará la dinámica de las compras por internet será la alta penetración de usuarios de smartphones, tanto en los mercados desarrollados como en los emergentes.
La entrega de productos grandes y voluminosos ya no tiene por qué ser un obstáculo.
Los minoristas pueden ofrecer una experiencia de entrega rápida, precisa y satisfactoria. Aprovechando las distintas soluciones logísticas avanzadas, que pueden superar los desafíos tradicionales y deleitar a sus clientes con entregas excepcionales.
The surrounding blue field flickered even more, and suddenly spread to the surroundings, blocking all attacks.His breath changed. What used to be fiery and fierce has now become decisive.
The middle aged man and the woman in red are fine and acceptable.Qixing snorted coldly, the blue pagoda was suspended above his head, and thousands of blue rays of light hung down, covering him.
You are so As soon as I said it, I also remembered it.After the attack, the energy goes out, and I m afraid we won t be able to leave even if we want to.
Then, he looked around in surprise. Those elite powers behind him also frowned.From the looks of it, that rare treasure of heaven and earth should have been irritated and emitted terrifying energy.
The light in his eyes radiated, and then his figure flickered, turning into a flash of lightning, and quickly killed Lin Xuan.Facing this strike, he couldn t resist at all. And Lin Xuan just uttered two words, and directly shattered the opponent s attack.
As he spoke, he barked. Come out. Hearing this voice, everyone s eyes widened and they were stunned.Lin Xuan went all the way south, preparing to rush to the Holy Land of Wanchu.
He roared, and the golden treasure wheel burst into light, like a sun, spinning rapidly.However, if the power of this ancient heavenly sword is sealed, so that it no longer absorbs so much energy but retains the material and sharpness of the heavenly sword, it is definitely a magic weapon.
But soon, they frowned. Because, they discovered that Lin Xuan s team hadn t returned yet.Then, it turned into a dull gaze. Can I go in now Lin Xuan asked lightly.
Boy, I thought you were very powerful at first, but now it seems that it is just a bluff.So it made everyone excited. Hmph And the young man from the Ouyang family snorted coldly, turned around and left.
Facing the great power without giving in, being evenly matched is really shocking.You are qualified to be my opponent. Is it But I don t want to fight you yet.
His white hair danced wildly with the wind. You must know that he is a strong man of the older generation, and as a powerful man, his strength is extremely terrifying.Because he still has three jade talisman aces in his arms, which can create a weak connection with the Eighth Prince.
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He jumped out of the pond and rescued the great prince.He Wanfeng looked at his sister, although you smashed your room to pieces, but after all, you did it out of pleasure.
Yun Xiaoran suddenly said seriously. Hearing that, Lin Haoming s face immediately turned pale, and he said without trembling How could that happen, how could Sleep The Uglkq Stiiizy Gummies Benefits For Nights Of Restful Sleep A 4186 that happen He shouldn t point at you or stare at you, he should feel lucky.As soon as the middle aged lady saw Lin Haoming, she asked immediately before taking a closer look Isn t that Lin Erniang My husband s family is still on duty at the county government.
Among a dozen generals, a strong man who looked older than Xiao Wuxun said Xiao Wuxun, we are brothers.Che Laoqi, he said you again, how could he be jealous of you, his eccentric guy With his big body, he can only use his brain.
When the group left and registered to leave, Fang Jing suddenly rushed down and grabbed Lin Haoming.When they arrived at the palace, it was extremely quiet.
Naturally, Wei Xiao didn t dare to be negligent, but after seeing Wei Xiao, Zhou Chengzhi asked directly at the first sentence Second Highness, the last general came in and just asked His Highness, does Your Highness have the courage to go out as a deputy commander Wei Xiao was also taken aback by these words.
Is it because the situation is the same as that of the two states If you don t want to know, you plan to go straight to Shengmin Lake.I live in my house now. Over there, sister. After Wu Niu finished speaking, Cheng Baikong immediately answered, Huangzhou I have also seen it, and it is indeed a person of great talent, and most of the national examinations this time can become the son of the country.
Wei Xiao also knew that his ability to command was still far inferior to these battle tested veterans, although these veterans were not old, so he once again raised drums to boost morale.Lin Haoming was on the road, when he passed a county town, he took out a bronze wine cup and sold it for some black jade coins.
Shaped bread, about the size of a human fist, if you do physical work, you won t be able to eat enough if you don t have ten or eight.Marshal, if I can t control it, I m not afraid of being cruel, but there is someone to help me along the way.
Su Qunying left immediately after hearing this up. As a prince, I naturally need things that I can t do myself.When Lin Haoming was searching Performance Became How Game 82 My Gummies Farms Anxiety Paralyzing You Evergreen Cbd for the shelter tonight, suddenly I heard a buzzing sound, the sound seemed to be vibrating without a magnetic field, and then I saw white lights flickering in the mid air, and then appeared one by one Bubble like things, outside of those bubbles, there are various things, the nearest one, Lin Haoming saw that there were no two backpacks outside, and it was breaking Gummies To Authentic Purchases Buy Labs Where Your To Guide 31 Vitality Cbd down like a parachute at this time, and hurriedly landed on it.
Before hiccupping, Cheng Xiao asked directly Captain Lin came here to buy you a drink, nothing to say, right Do you want you to help him get people to train together What job Lin Haoming asked.Lin Haoming said. You ll see a guy like him in the future, but if anyone dies, let him die too.
The cold light flickered, the dragon roared and rolled away.But the Martial arts arena is different, it is a place for fighting, and even the powerful can fight there.
Great, finally safe. The three of them landed in a forest below.Netizens please remind Please pay attention to rest your eyes when reading for a long time.
The big black umbrella was as tall as a person, and it was extremely black, with dark blue lines engraved on it, shining like stars.But at this moment, what the tall young man is displaying is the blood of the Great Xia Dragonfinch.
Thinking of this, he let out an angry roar, and the spiritual power in his body circulated crazily, like a huge tornado.Soon, the warriors in the Northern Territory were in an uproar when they received the news, and couldn t believe it.
Because of this sword energy, they all felt a sense of panic.Blood spilled wildly, like a sea of blood, circling in the sky.
To be honest, regarding the two of them, he also hopes that they will fight now, because neither of them is under his command.This is the gorgeous dividing line Dozens of red eyed demon wolves set off quickly.
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He gritted his teeth, took his ring off his hand, and then remained in the void.They were the ones who killed the monsters. Even the mighty monster king couldn t resist their joint attack.
Yes. Brother must have been careless just now. He didn t use all his strength, so he killed him. We Use all your strength, I believe this kid will definitely die.At the same time, six sword shadows appeared beside him, each one extremely fierce, as if a sword fairy descended.
Seeing to do it. However, Lin Xuan sneered, why, do you dare to fight me, they dare not.Although he dodged the sword, the warriors he brought were injured, which made his heart bleed.
He looked at Lin Xuan gratefully. My name is Ma Chao, thank you brother for your help.She heard what the third prince said, and then took out a purple gourd.
What was really surprising to him was that he couldn t see through Lin Xuan at all.Lin Xuan has been practicing silently. Take out 360,000 pieces of Sleep Of Nights Gummies 66003 The Benefits For Restful Dreamt Nzfay A Sleep top grade sub shenjing, and at the same time display the Dragon Sword Ling domain, refining it with all your strength.
Brother still has a lot of hole cards, which he hasn t shown yet.
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Originally, in their opinion, Lin Xuan s cultivation should be worse than Ye Wudao.For a moment, both of them froze here. In front, Wang Chonglou was also stunned.
Therefore, about Lin Xuan s life and death battle She didn t know anything about the matter, Lin Xuan didn t argue with her, and sneered, you will see it soon.This blow hit him directly, his arm was broken, and he flew upside down.
He roared, who dares to act wild Not only him, but his brothers also came out, and even the Fifth Elder was alarmed.This time going to Yaoxing, not only us, but also many people from Daozong, besides, Tianzong, Dizong, and other ancient families will go, and I am afraid it will be a big battle.
Next, Lin Xuan began to look for experiments and various possibilities.They saw a mighty man riding a war horse with black flames burning on it.
Everyone around was dumbfounded. The elder of the Ye family came over, Lin Xuan didn t dare to be careless, he clasped his fists and said with a smile, Cbd And You What 4965 Find At Cant Dog Can Petsmart he had met all the seniors of the Ye family.He has red hair and a handsome face, which is the symbol of the Shura clan.
When the breeze blows, the lake water rises, only Lin Xuan is still standing there.Lin Xuan laughed even more. It has been a long time and no one dared to challenge him.
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This is just the emperor s son, I don t know how terrified the real emperor is.If you die, you will lose everything. If you live, you will have hope.
The mountains and rivers were broken, and no one could touch them.It was because they didn t give it before, which caused the current situation.
This Wang Chonglou is already qualified to be on the Jade List.Lin Xuan said, what else do I need to do Montenegro said no, that s enough.
Lin s heart. Hun Shengjun swallowed this ten thousand year elixir, but he didn t have any hope, but after he swallowed it, he was stunned, what s going on He was dumbfounded, because he felt a strong vitality shrouded in his body.Thinking of this, he came over and said, little brother, I think you should give up your position to Young Master Bai.
After all, it is difficult to improve a ranking here, but on this day, someone exclaimed again.Just as he was thinking about it, a crazy roar sounded in a large hall in Qianshan Cave.
Por Alejandro Saracho, experto en finanzas personales; autor del libro Reconfiguración financiera.