10 metas financieras para el 2018

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.

 

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The only difference is that bee acupuncture liquid is used, which means that as long as people have a foundation of traditional Chinese medicine acupuncture, they will learn this therapy very quickly.This was unexpected. The deputy director was angry. Teeth itching, he said fiercely, If you fail to succeed, you will fail.

Du Heng paused for a moment, then opened the car door and walked out, standing Directly opposite Tang Jinhan.radiation Radiation is bullshit. The county hospital didn t have any MRI equipment, otherwise Du Heng would have done an MRI scan.

However, he would not say or refuse this kind of thing.Also, this eldest brother did not have the cooperation of the first two uncles.

While frowning, he also understood that he had overthought yesterday and had the dream just now.Another point was that it was her own fault. Running out every day and staying up late every day, it would be weird if her face wasn t rough.

The subsequent development was indeed as Du Heng thought.But now he understood clearly how Du Heng was injured and why he was unwilling to go Experience The Life Changing Benefits Of Nd 9wz3o0 Life Keto Acv Gummies How To Reach Our Customer Servic Tq for a check up.

And now he had to rely on Du Heng to make a lot Quick And Effective Weight Loss Methods Speeding Up Your 29trw Journey To A Slimmer You of money, so when he was interrupted, he could only endure the tone, and at the same time, he had to pretend to be indifferent and continue to answer Du Heng s questions.For these people, Du Heng just S Top S87zz Chintightening Methods Apple Cider Vinegar To Lessen Chin Fat glanced at them lightly.

Come on. Did those boys who didn t come also go somewhere Yes, teacher, look, this is the video they sent.Because after he was fried by the self heating hot pot, he really thought about sending Tang Jinhan back.

Du Heng nodded in confusion, I understand, but what does this have to do with risk sharing Lawyer Zhou began to smile bitterly this time, Dean Du, what I mean is that you can share the investment of 20 million with Mr.Du Heng was silent for a long time, but Cao Yuanqing on the other side of the phone continued with excitement, Professor Kirsten Storms Opens Up About Her Weight Loss Journey And 1mh The Secrets Behind It Du, after these two days of separation tests, and based on the Chinese herbal medicine toxicity spectrum table given Pezt5q Weight Loss Challenge Lose Pounds In Just One Week With These Strategies by Academician Sun, we have now analyzed Some of the medicines were used.

NND, why can t I still understand what they are saying even after returning to China After silently complaining in his heart, he still looked at Dr.At the door of his house, I heard from his neighbor that at dawn, several policemen from the county came and took him away.

He asked Teacher Li for treatment. Well, it s been two months. Now he can go to the fields and it s convenient for him.There was nothing Kirsten Zjyphev11 Storms Weight Loss Self that couldn t be said. Du Heng slowly told him the prescription he had prescribed for him at that time, as well as the prescription he would adjust later.

Our time. As soon as Xiao Chen finished speaking, another companion next to him immediately nodded in agreement, Yes, I don t think there is any need to waste time here.Mr. Ma directly complimented Du Heng, which relieved his own anxiety.

After saying this, Du Heng said goodbye. Amidst the condolences of Feng Wei s parents, He quickly left their house.We might as well just stop doing it and ask the director of the outpatient department to cancel all F Acv Keto Tn22c5jqy Gummies The Fast Track To Ketosis With Apple Cider Vinegar outpatient clinics for the next few days.

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But his unlucky experience some time ago was replayed in his mind like a fleeting glance.The old man had lowered his head and was concentrating on taking small steps forward, without even seeing Du Heng passing by in front of him.

He has plenty of Megan Thee Stallion Loses I6ns7oe8o Pounds Her Health Transformation Revealed time and the source of the disease.Du Heng didn t even turn around, and said softly to the three teachers, Teachers, don t be affected.

After thinking about it, he still knew what kind of illness and how to treat it.The uncle s lips trembled slightly and he turned to look at Du Heng, who looked a little flustered.

Although Kang Zhirong s hometown is also a county town, it is also close to the county town of Jinzhou, so the medical resources in the county town are relatively good.After waiting for the plane to land, he put Lao You into the receptionist s car, and he rushed directly to his home.

He hadn t repaid the favor yet, and he didn t know how to How Did Kelly Clarkson Lose Her Weight Secrets S7t0 To Her Success repay it.Du Heng quickly closed his eyes, took a quick breath, and quickly brought his thoughts back.

Teeth. Oh, Professor Du, right You look very young. How old are you A few people sat down on the small bench.Dean, Kelly Clarksons Weight Loss Journey 6tghk7k How She Shed Pounds And Got Healthier it s been taken care of. Vice President Xing had already adjusted his mentality during this period, but when he saw Du Heng behind the desk, looking down at the information, he immediately sat with the Du Heng in his mind last year.

We have to Best Keto Weight Loss Gummies Z9dqtqzj7 Top Picks For Effective Results go back tomorrow. Wait. After sending everyone away, Du Heng s face fell again when he was alone.Song Guangjiong I glanced back at the classmate who asked this question, feeling proud and also feeling a sense of urgency.

Now that he has someone to help him, he is very Keto Gmy Gummies The Gummies That Z6pat Redefine Ketosis happy.Du Heng was just expressing the sudden association in his mind because of his excitement, so Lou Guozhang was really unsure, so he didn t care much, anyway, he either went back or was free.

The script. But it was rejected by Director Han, and then the big capital investment disappeared, and the already negotiated investment was no longer invested.Remember, you can only take one per day, and it must be eaten with food, otherwise it will aggravate the condition.

Within a few seconds of Dr. Hao leaving, Tang Jinhan appeared in front of Du Heng, Teacher, En St F30k Choice Keto Acv Gummies Jz are you looking for me Du Heng looked at Tang Jinhan with a smile and asked softly, How are you feeling during this time Tang Jinhan suddenly reached out and scratched the back of his head, I have done internships before, but that kind of internship always felt like being a handyman, and the teachers I met before were also different. I m also busy and I feel like I haven t learned much.

As for the girl s mother, the reason why he did not tell the result seemed to me very simple, that is, he knew His own reputation among the masses is not as high as that of his father.Du Heng could only sigh. Just when he was thinking about whether to call Professor Lan to express his condolences, his phone rang first, and then he knew that he would be busy for a while tomorrow.

I m really busy. Very, we can t do it unless we hurry up.If I m not here, you must be careful and practice it yourself.

We have already prepared them. Pei Qian rubbed his forehead. Chen Pingan stood up and said Dongshan, open a landscape painting of the entire west side of the town.Chen Ping an put his hands in his sleeves and said helplessly That s not the case, Water Goddess. why don t you listen How To Lose Weight With Apple Cider Vinegar U3n Effective Strategies to me slowly and finish it first She said aggrievedly I m feeling panicked.

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As for the Qinghu Palace on Tianque Peak Will Elder Lu take advantage of the situation to find a bigger mountain Jiang Shangzhen said with a smile Lu Yong is an old friend of ours.Cui Dongshan nodded and said in his heart Jiang Shangzhen must be on his way here. As long as the three of them join forces, we can try Let s give it a try.

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Xiaomi Li was hesitant, but finally believed what the old cook said. That night, under the light on the table, the little girl was copying words and swinging her legs, while the old cook was eating melon seeds and chattering.There is a sea of bamboo, green and green, with bamboo shadows whirling, which is in harmony with the wind and the moon.

In the fourth house, Mi Yu felt that he had finally managed to survive half his life from the Jise Peak Ancestral Hall, and the remaining half of his life seemed to be hanging by a thread again.Han Jiangshu really felt a kind of fear. The fight between the immortal monk and the land sword immortal was so dangerous Keto Flo Gummies Reviews Real Experiences And 30stdcg Insights Shared By Users and unbelievable.

I am proud to sing and write, but I have received many letters and received very few replies. Even though he had the embroidered tiger Cui Chan and the academy chief Qi Jingchun in his own family, he still refused to talk to them about the article.Liu Mao felt better. But when he saw the empty space on the bookshelf, Liu Mao didn t feel sorry for the other books, but he really felt sorry for the arithmetic classics.

Using the sword and talisman in a formation, and spending some money, it seemed that he could give the flying sword an extra magical power. During long journeys by ferry, Chen Pingan not only carefully refined the Taibai tip of the sword into a sword, but also refined the gray cotton cloth as a scabbard, and carefully crafted a sword.

It s a mistake, I ll fix it later. When he arrived at the entrance of the temple, just one step away from crossing the threshold, Song Jixin suddenly said, Remember to separate public and private affairs, and don t give others any chance.If something happens, just go to the master. Pei Qian turned his head, grinned, and patted his forehead lightly.

The lights in the world slowly move up, gradually ascending, strong The one who protects the weak and leads the weak, Lisheng hopes that one day he can get out of the existing one that neither increases nor decreases.Bai Xuan hummed and nodded, Yes, with a little bit of chewing, Master Cao is indeed a bit knowledgeable, little one Chef, you should listen carefully.

Before that, I may go to the Zhongyue boundary to see where Zhengyang Mountain is. Select the location of the next sect. Liu Xianyang got annoyed when he heard this, stood up and said hurriedly I have to go back quickly, so as not to keep your sister in law waiting.He was silent for a long time before saying, It makes my Unveiling The Fat D6d5mvg Burning Pills Showcased On Shark Tank eyes hurt and my neck is sore. Han Jiangshu was about to leave. After seeing the vision of the robe, his heart strings tightened.

There were so many flowers in the mirror that Jiang Shangzhen was a little dizzy. Finally, he saw a chubby girl wearing a mountain robe made by a Taoliyuan female cultivator.Chen Ping an said, Actually, I am a junior. Ye Yunyun suddenly realized that those martial arts who had previously flocked to Tongyezhou seemed to be this Discover The Benefits Of Kelly Clarkson Gummies On Amazon An Ultimate Guide To Healthier Living Amv773 person who had just advanced from the ninth realm to the tenth realm If this is the case, even if the other party is older, according to the rules of the world, he can still be regarded as his junior.

No one would have thought that the owner of Wangjiang Tower who came back from the dead is actually the deposed Crown Prince.With the black fire, they will be invincible and rule the world.

Of course, compared to her mother, Lan Jdv53f95r Is Semaglutide Approved For Weight Loss Current Status Xin, she is much better.Then there is no other way.Zhu Qi sighed.Lin Zhilan also felt a little uncomfortable, as if she had missed some great opportunity.

Reporting to the police, this matter cannot be handled by the team committee.Yan Qinghuan took out the mask and said.Now Chu Kuan is looking for His Royal Highness all over the country, it would be bad if someone found out his whereabouts.

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Chu Han turned his head and saw Xiaolian leading the governor and a group of officials rushing over, he narrowed his eyes.He was overjoyed and said to Zhao Chang Come, let s fight against Gu and see the beauty En Joe Thomas Weight Loss Cr 7gc80vs of the first sword forged by Gu himself.

She believes everything Brother Chu said, and she believes that her family will like her, even if she is a girl.The emperor will definitely punish Peng er lightly.

Since then, he started a company, bought a big house and a luxury car He even quickly remarried with his ex wife.Since the family came in, she has been nestled in her father s arms and refused to go out.

How can there be such a person in the world The forest is really big and there are all kinds of birds.But for some reason, the princes he got died one after another, and finally he had to pass the emperor to King Ru.

The veil was too light, and it was a little fluttering.However, although Lan Xin and Zhang Qingqing have done dishonorable things, they are different in essence.

Let Yunyun die in the gutter, I, an uncle, can t do this person You and I have heard it and seen it.Distraught, he is not in the mood, and is about to go back I went to my own yard, when I met Dabiao The younger brother was walking out with the book in his hand, and he hurried over and asked, Brother Han, where are you going , said lightly.

Chu Han took Yunyun to the town for a whole day, until It was getting dark before returning to the village.Liu, what s going on Why is there blood on his face It s scary.

When he arrived at the gate of the villa on Dongxi Road, it was already very late.Do I admit it by telling the rumors I heard Madam Lu, you are also an official family member.

You are so sensible and filial, but what about him Feng Shi was holding her breath in her heart, and couldn t help but confided, I Chrissy Metz 6vyy19f ve been busy with this marriage for more than half a year, and finally came to a result.The daughter might be a low marriage, but at least she was innocent, but now such a disturbance has ruined everything.

Your responsibility is to protect me and raise me, not to sell me under the guise of being a father I m already eighteen, I don t need you anymore Guardian, I want to move out, I will not do anything for you, let alone sell me to others as a plaything After she finished speaking, she turned around and went back to her room to pack her things and leave.

As for the Chirs Pratt 8r4c Weight Loss The Secret Behind His marriage, she must see him sincerely repent before helping him find it.You have a problem with your eyes, and you saw wrongly.

Then come with us, so as not to squeeze the train.Han Zhenxing said.

It should be no problem to deal with the last thing next.To be continued.Chapter 323 Illusion Exchange Conference Alan s character and experience really helped Shaonan a lot.

What s more, Chai Jingming also possesses secret cooking techniques, and he may be able to form alchemy within ten years.Junior sister Zihong, you must complete the set of exercises before the end of the fire control competition.

The Remnant Map actually has a hidden function It seems that if you don t collect all the remnants of the chaos map, you can t see the real map of the chaos cave.I don t like it Do we know each other Min Haoyan was a little puzzled, this time the loss was for sure.

I don t know how to control fire Xiao Cao er extinguished Shao Nan s passion with a single sentence, but Shao Nan was not discouraged, but waited for Xiao Cao er s next words.They usually return in three to five days.Luo Ji Hu Dahan only spoke half of what he said, but everyone understood it.

Jiang Yingxun said helplessly.Hope is too small. But that s the only way to go.Tang Guanglin originally thought so.Shao Kang is different from other people.Originally, Shao Kang didn t have spiritual roots, but the spiritual roots opened up by relying on elixir after he cultivated to the innate realm.

At least in a short period of time, I will not make any more moves.After this time, there will be another thunder catastrophe to Chrissy Metz Highest B6yj Weight How She Embraced Her Body And Found Confidence finish the work.

Of course.You are using the Yangmai fruit and formula that were only available in ancient times, and of course it will be better.Say so.The purple robed old man and the bearded man glanced at each other, and the bearded man snatched the Muk7q6 En Winter Exclusive How Keto Luxe Became A Household Name In Australia Wjb jade bottle from Shao Nan s hand, opened it, and threw it to the purple robed old man.

As an island, it is already quite large.Of course, as far as the entire group of the Bibo Huanyue Clan is concerned, it is much smaller.Not only did Goxtra 8kknb Acv Keto Gummies Boost Your Keto Journey he not repent at all, but he bit harder and harder.

Then test your thoughts a little bit.In this way, another hundred thousand failures.This made Fan Tianyou very angry, but it also made Fan Tianyou helpless.

Shao Nan took out the radiant lotion again, and repeated what he said just now.One must know that the early sword skills are all ordinary sword Channing Tatums Pound Weight Loss Transformation The Secrets 3czo3 Behind His Incredible Journey skills.

Hearing Lan Yuanzhou s The Ultimate Guide Otzz4mw To Drinking Apple Cider Vinegar For Weight Loss ghost idea, he couldn t help giving Lan Yuanzhou a thumbs up.Shao Nan did not directly say There is a guy with unfathomable strength, but let me tell you a fact first.

When Shao Nan heard the legend about the elixir, he sneered in his heart.Can t perceive the domain Xiaocao er repeated Shao Nan s question, her tone full of disbelief.

Shao Nan was in a special state and other reasons, but Shao Nan did it.I really don t know who or what the it in the mouth of the behemoth makes two such powerful people so cautious.

Brother Shao, how about we go to Master s place right now Zi Huang always had a warm smile on his face.I just think that everything about you in the Sacred Fire Glazed Tile School is not right.

I just don t know how long it takes for The Power Of Metformin And Fasting How They Can O3lu7xce Help You Lose Weight the opponent to change, and I don t know if it s just the physical change, or whether even the combat power will be affected.No matter how good Luangu Cave Mansion is, it is not as important as Lanyin s affairs.

Shao Nan carefully arranged a formation that isolates the consciousness, which is the Revolutionize Your 4od8m6u2 Weight Loss Journey With Ketologic Keto Gummies A Comprehensive Review Of The Be Ihv simplified version of Lan Yin s formation, and then he said.But.The only downside is that it takes too much horsepower.

Xinghuo Feel Pro Metabolic Creator Boris Hodakel Unveils Secrets Gka5zj4mm To Pound Weight Loss Amid Supplement Controversy Shinichi, Zihong Shinichi, and Cangyan Shinichi, the three Void Returning Shinichi couldn t be staring at the volcano forbidden area all the time.The three Huixu Zhenyi knew very well that if they want to survive this test, it still depends on their own efforts.

Shao Nan saw An Xiaoshan whose eyes were bloodshot, Pro 20vjr4 Keto Gummies Professional Grade Keto Support and How Somara Theodore Lost Pounds Her 9z33l Weight Loss Transformation shook his aching head, How s the battle going We Unlocking V0fdj9h Sustainable Weight Loss Understanding Plateaus Fat Loss And The Power Of Mindse won A complete victory Speaking of the battle , An Xiaoshan suddenly became excited.Moreover, Allen s character.It is more suitable for Shao Nan s next plan.

This is an elixir from the chaotic ancient times, and it is basically extinct now.Fan Tianyou, who was sandwiched between the two, seemed even more depressed.

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Perhaps Jiuli Mountain is the best destination for culinary secrets.Seeing Shao Nan s expression, I was overjoyed, and said in my heart, is it hard for you at last This time it s finally time for me to make a big splash.

Just as the old man with the goatee and others were being swallowed, Shao Nan just closed the Yuzhu slip about the forbidden area of the magic spring.This time Shao Nan didn t mention anything.As the saying goes, facts speak louder than words, and everything speaks with facts.

But what exactly is this thing Shao Nan looked at the strange shaped thing in front of him, which looked neither metal nor wood, and hesitated.At this moment, the faces of Shaonan and the five people changed drastically at the Olafur Darri Lafsson Weight Loss Journey Achieve Your Best Shape In Just V3in A Few Weeks Before Christmas same time, and they rushed to the entrance of the cave, and when they saw the situation outside the cave, they all turned pale with shock.