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.
Si este año no es la excepción y las ventas se incrementan, es importante estar preparado desde un comienzo, tomando en cuenta los consejos de Microsip.
Las tendencias para las áreas clave en las organizaciones se dirigen hacía la contratación de personal estratégico y adopción de tecnologías de la información.
La plataforma System Platform 2017 de próxima generación establece un nuevo estándar para la excelencia operativa, conciencia situacional e inteligencia accionable, y puede estar basada en cualquier hardware o software sin importar la edad o el fabricante.
Esta nueva dinámica exigirá un servicio al cliente mucho más riguroso, ágil y expedito, especialmente porque las nuevas generaciones realizan un uso más intensivo de los dispositivos como teléfonos inteligentes, tabletas o computadoras portátiles.
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Niuniu s mother had a very good relationship with the original owner, and she was also a good mother who loved the child.Cuizhu felt uncomfortable seeing her beloved suffer, and hurriedly persuaded.
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The brothers and sisters have no relatives, no family background, no financial resources, and are ridiculed and ridiculed in Beijing.The emperors of the Three Kingdoms were riding on horseback, panicked.
Empress Li was shocked, It s gone How could it be gone The guards didn t see him leave.Zhong Jue once again summoned the evil force to help him.
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At the same time, Cui Dongshan and Pei Qian Everyone, including Cao Qinglang, smiled and moved their positions together.If they don t look good, I won t look at them. If they look good, I look at them more. My eyes are magnanimous and my heart is open minded.
otherwise it would be difficult to overturn the boat and fall into the water. Pei Qian immediately sighed Sure enough, the master is used to the world, and he is a hundred times more experienced than me.I beg the old Sect Master not to do this. Otherwise, Yang Pu will have to do it immediately. Leave and ask the academy for someone else to come here.
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Secretly building up several Let me be fair landscape newspapers, and at the same time paying attention to the future of the various mirror flowers and moons on the Aquarius Island, Chen Pingan actually has the person in charge in his mind at the moment, Qilong Lane Caotou The shop s blind old Penguin Cbd Gummies Qnfdrawze For Ed Reviews Industry Perspective Taoist, Jia Sheng.
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The sky is big and the earth is big, we can do whatever we want. In the misty drizzle, a Xianjia ferry from south to north slowly docked at the Egret Ferry on the boundary of Zhengyang Mountain, and stepped off A handsome man in a green shirt, long coat, and cloth shoes held up an oil paper umbrella with an osmanthus branch on the handle.
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Isn t it Jiubi Cui Dongshan asked again, How many continents are there in the world Chunqing said helplessly, I ask even though I know it, there are Jiuzhou.A thin scribe wearing a Confucian shirt laughed and walked When he entered the bookstore, he had a beautiful beard.
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I am here to wish Mr. Zhao a successful career and a bright future. Zhao Yao quickly returned the gift and bowed Thank you, Miss Zhigui, for your kindness.The young man from the small town with a mysterious life experience had cold eyes and sneered Are you trying to say that they are the living and the dead, with flesh and bones, eternal life, and boundless Taoism Fu Nanhua nodded and said happily We He can be considered half a fellow Taoist.
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He had chased and fought with the Mountain Monkey on the roof before, and deliberately tricked him into coming here.Whoosh. The flying sword hovered in the air, and the tip of the sword was only three inches away from the young Taoist s eyebrows.
There were several great Qi practitioners secretly protecting me. In order to get rid of him, I even had to join forces with my uncle.
This time without Xiaocao er s explanation, Shao Nan knew that it must be the work of Hunyuan God Jinmu.But everyone was like this, which aroused Shao Nan s attention.
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Of course, any kind of swordsmanship has been cultivated to the highest level, and its strength is already quite strong.It is beyond my control.Xinghuo Shinichi said seriously.
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To be precise, it became an active volcano.At the end of the war to encircle and suppress the Bibo Huanyue Clan, they originally wanted to wipe out all the treasures of the Bibo Huanyue Clan.The four of them did not change to a better cave because of their increased strength.
Shao Nan looked at it for a long time, and finally confirmed that he had reached his destination.I saw that the monk surnamed Wen was panting heavily, unable to utter a word at all.
That was the True God of Transformation, stomping his feet made the Jindan Daoist in the hall feel terrified.Who is Brother Biao That s the master who will fight if you disagree with him, and the stubborn master who may kill you if you don t like it.
It never occurred to me that wherever I left, I would come back from there.Not to mention in Zichang State, even in Colorful Continent, there is nothing to worry about for the three of them.
Hearing Lan Yuanzhou s ghost idea, he couldn t help giving Lan Yuanzhou a thumbs up.Many people held their breath, not even daring to gasp aloud.
Just after burying Shao Nan, the test stele lit up with such a dazzling red light.Otherwise, if it is accidentally teleported into the crater, even Yuanying Zhenjun may fall into it.
Por Alejandro Saracho, experto en finanzas personales; autor del libro Reconfiguración financiera.