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.
Pocas tecnologías crecieron tan rápidamente como la computación en la nube y las coubicaciones —tanto dentro del mercado de los centros de datos como para la sociedad en general—.
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What looks like a stone wall on the outside is actually a very clever concealment formation.He didn t expect that after these guys found out that Fuliu Ghost King was dead, they didn t want to avenge the city lord.
As long as he defeats Qingyang, the only variable, the rest will be easy to handle.Even if I cultivate to the realm of Yuanying and live hundreds of years longer than others, I still have to reach this point in the end.
This was terrible, such a potential enemy. nothing can be done to keep him alive.Each maid had a cultivation level in the middle stage of Nascent Soul.
Zhenjun Chiye also felt the power of the sword array, but at this time he had no other choice but to bite the bullet and launch an attack first, hoping to seize the upper hand.If it weren t for Qingyang more than thirty years ago, he would have obtained those two soul mingling stars.
It is appropriate for him to keep them until the Blood Demon Sect is overthrown and completely destroyed.This Lord Chiye is worthy of being the leading refiner near Chujiang City.
Now Qingyang has broken through the Jindan and Yuanying realms continuously.However, due to habits, most ghost cultivators En Chamomile Weight Hult3fo50 Loss 97wp are not very good at using magic weapons, unless there is a need for this, and I happened to meet someone who was more suitable.
That little distance couldn t stop them at all. Although the underworld water had an impact on spiritual thoughts, everyone quickly found the isolation formation behind the underworld water that the giant Ghost King said.Do they look good They will be ready in three days at most
Seeing that the woman did not answer her question The problem was that Effective Strategies For Nikocado Avocado Weight Loss Lrla 0vv he was just talking to himself, as if he believed that he was the father of her heartless child.
Of course, the biggest reaction was from 4omsig55j En Healthy Meals Recipes To Lose Weight L2gt Xiying s family.Now that the five of them have been walking for four or five years, and they are all Nascent Soul cultivators, Qingyang can t do anything about it.
Unfortunately, Master Lingxue was in very poor condition, his strength was limited, and the Blood Lotus Root was not yet mature enough to be taken.With the vibration, a huge stone in the middle of the wall began to slowly Moving outward, it s like a stone door gradually opening.
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no shortcomings. Dongfang Wanqing had full estimates that Qin Menglin might be able to reach an extremely high level, and there was no surprise at all.Because at this moment, as the Xuanxiao tribe grows, the internal debates within the Hami Mountain and Cangming countries are also extremely fierce.
And there is a layer En Weight Gain In 6fq04gw1 Menopause How To Lose Weight Hska of mist wrapped around it, about a foot thick, like an isolation and restriction in the world of Ziwei.The formation where the evening sun shines in the east shines brightly.
Seemingly impatient, Huang Xiyin said, How long will it take At this time, Qin Menglin , seems to be doing three things at the same time.After these two people met, they discovered that the fact that both people can become enlightened actually triggered a En Best Weight Loss Pills For Women Mlvk Tqjx deeply hidden door.
Gui Wujiu had already done his best, especially when dealing with Yu Gucheng s blow.Use ancient times to compare with jade ion use complexity to compare with Yu Gucheng use subtlety to compare with Li Yunlong use majesty to compare with Xi Lerong.
Following the same trajectory of the Tao, this incarnation of myself indeed came to the Tao realm again.Before seven breaths, Gui Wujiu had already reached the Tao realm.
Originally empty, the reality is empty. Gui Wujiu struck out with one palm.There seemed to be blood on his thumb, which obviously released a seal.
When Xiangyunting saw this phenomenon, his face couldn t help but look a little ugly.The other two people, sitting at the head of Linghu Qubing, look like an old man and a young man.
Either he pauses after one hundred words, or he pauses after two hundred words.He did not disappear and disappeared. He just triggered a mysterious step and was shrinking Can You Mail Cbd Sn0 Gummies 00n4 rapidly.
After receiving the order, AD Ming also had two doubts in his heart.Mu Mu followed closely and went with Han Taikang. You Caixin looked curious and asked, Senior Brother Wen, is it Daoist Fellow Qin or Fellow Daoist Huang who wants to meet Fellow Daoist Mu Mu Wen Jinyuan s eyes were strange and he shook his head and said, It s another person.
Although there were thirteen court officials taking turns in the forty two domains, they were probably just rules for dealing with routine matters.People who are not confidants cannot take on this responsibility.
They Are Expired Cbd Gummies Fmfz86 Safe 39lw also have special methods to fight against mountain type magic weapons.But he saw Li Yuanba s amazing combat power. Li Yuanba s talent in swordsmanship was stronger than Brother Lou s initial estimate.
It would take a mid stage Nascent Soul cultivator to earn at least several decades of hard work.He had no disciples, so the only disciple was naturally a true disciple.
Good treasure house. Originally, the Treasure Pavilion was managed by the artifact spirits of Yimu Dongtian, and the Treasure Pavilion s own artifact spirits only played a supporting role.You speed up to deal with these hell monsters. Didn t you see that Li Yuanba is struggling to What Is Cbd Gummies Made For Understanding The Benefits And Uses Of Nsf1ra Cannabidiol Edibles 0hqj support you and weaken the combat power of the hell monsters for you Brother Lou shouted in a deep voice.
Because the flying sword emitted by the puppet statue contains the sword intention of the great monk, and is transformed from the material taken from the body of the puppet statue.Such low quality monk elixir would be a waste in Li Shiming s hands.
When he spoke, the Sky Strike Thunder Hammer flew out of his body.The materials of this flying boat contain materials taken from the dragon clan.
His consciousness led the hall, for fear that the hall would lose contact with him.Where have I seen fourth grade white jade used to pave the floor and build interiors How much fourth grade white jade is needed However, he quickly realized that he could not calculate the required materials based on the quantities he saw.
He didn t need to keep a low profile anymore. When he came to Dongqi Continent, there was no great power here.In fact, fortunately this time, the sword cultivators in the early Apple Cider Gummies Whyx H10 Good For Weight Loss Yacm stage of Yuanying returned both physically and mentally.
This time he experimented with a method to crack the magical power of Invisible Yuan Magnetic.In any sect, the number of core monks does not need to be large.
With his ability, he could obtain several resources for promotion to Nascent Soul in a short time.I ll stay here for one night and then leave Although Mingfa understood what Venerable Hongfa meant, he still wanted to stay one more night, so he said this.
The problem is that the real boss didn t take action.But no matter what, the name Storm Leader really left a deep impression on these forces.
At first glance, it seems that there is no intention to camp for a long time.We arrived yesterday Then go and notify the team to meet up Zhao Hao motioned to the other party to go back and send a message.
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When he grew up, his family wanted to take him under his wing, so they made a marriage arrangement.Chapter 605 Regretful Bernie Wait Zhao Hao ordered in a calm tone.
But Zhao Hao felt something was wrong. Be careful He whispered to Mia, who came to join them.When you reach the top group, you will find that you are surrounded by acquaintances.
The second level is actually not too dangerous, with adventurers killing each other.If the blood transforms it into a dragon, then the dragon master s expertise can also be effective.
The reward has been completed, so he naturally wants to accept it.Canopy of the What Ujx8phb Stores Sell Cbd Gummies Fl4g Dead The first is to supplement this auxiliary spell.
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Next to it is a much smaller pile of copper ore. Rust Copper Ore Green Excellent Rust copper can be refined and used to cast tough equipment and weapons.It was the flames that kept burning the spider silk into ashes, otherwise they would be in big trouble.
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The Irollan Empire was passively beaten in the early stage just to solve the temporary passage.Obviously, the opponent s ability to manipulate yellow sand is not a spell, but like Feida s talent, it has not been weakened.
Quickly open the shackles and chains. Once done, several vines drag the opponent out.For ordinary treasures, the information must be concealed extremely secretly.
Yes, sir Winnie left respectfully. Compared with others, she watched Zhao Hao grow from a small lord to a lord with a population of nearly one million and commanding terrifying combat power.For shadow swordsmen and phantom shooters, they would be completely helpless when facing such a thick stone layer.
Sir Feida seemed a little surprised when she saw that Zhao Hao had no intention of letting the phantom shooter take action.
Por Alejandro Saracho, experto en finanzas personales; autor del libro Reconfiguración financiera.