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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Shao Nan s current swordsmanship finally has the possibility to walk out of his own path after receiving the guidance of Jiuli Sword Master.Seeing this terrifying group of black shadows, the faces of the three of Shao Nan changed drastically, and they couldn t avoid it.

The formula in Shao Nan s hand began to change.The three color formation disc rotated slowly, and began to slowly change the arrangement of the Xuanlei Yuanhuo formation.Fairy Zhou should only be in her sixties or seventies this year.

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Hearing Min Haoyan s words, his eyelids twitched.One reason was that Min Haoyan s tone was really annoying, and the other reason was that the object of Min Haoyan s complaint turned out to be Lan Yuanzhou.I will definitely attend this celebration.You go back first.

With the mid term strength of Shaonan Jindan, combined with the power of the Baihong Sun Piercing Sword, there is nothing that can resist it, it is definitely not ordinary.Shao Nan looked at the leftovers on the table and the backs of the people who had already rushed to the training room, smiled and shook his head.

Many Foundation Establishment cultivators left Qingzhou with this idea, but not many came back in the end.Even if I come out, you will have such an attitude, so I specially used the Mysterious Light Floating Shadow Technique to record it.

Even talking nonsense with your eyes open can calm your heart down.After leaving this sentence, Zi Huang sent Shao Nan out of the cave with a wave of his hand.

As soon as he entered Shenmeng Restaurant, Shao Nan felt something was wrong.Shao Nan could already foresee the expression that the head of Qiubai would have when he saw his late stage Golden Core state.

Each of them is the well deserved number one Regen Cbd Gummies For Wlsapcai Ed Reviews Effectiveness And User Opinions fire control person in their own sect, and there are even some casual cultivators who are also proficient in the way of fire.Some people were sad that the forbidden area of the magic spring was lifted, and Keoni Cbd Gummies Gscqgw For Ed Reviews they completely lost their source of income.

To be continued.Chapter Three hundred and ninety one clearing up suspicions If Zhou Yuliu s success in forming a Green Otter Cbd Gummies For Ed Comprehensive Review Tmowbr pill at the age of Prime Cbd Gummies For Pbnyfaee Ed An Indepth User Review more than sixty was a small earthquake, then Cheng Zhou Zhenjun s success in forming a Harmony Leaf Cbd Gummies For Erawxyf Ed Natural Relief baby was a landslide and tsunami.Becoming an ordinary sect will greatly reduce both its territory and its resources.

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Shao Nan s meaning is very clear, you are threatening me.I do have an idea in my heart, let me arrange it and pass it on to you secretly.

However, Qiubai s head is thinking about the development of the sect.The Sacred Fire Glazed Sect is calm, but the magma lake in the volcanic restricted area has entered the most tense moment.

Dealing with Shao Nan Are you stupid Shao Nan is my buddy, what am I going Best Cbd Gummies For Sex Oemvhgcz Top Recommendations to do with him Lan Yuanzhou looked at Min Haoyan with the eyes of a fool.The biggest feature of the Xuanlei Yuanhuo Formation is that it requires a large number of fire controlling monks to enter the formation together, and then one or a few powerful people will control the main formation, with the help of the formation and the strength of all the monks in the formation.

What s the matter The Sacred Fire Glazed Tile Sect originally wanted to criticize this junior who disturbed him, but when he saw that it was Lan Yin, he immediately changed his tone.It is impossible for any of us to fully grasp it.So I divided the entire formation into thousands of pieces.

What does this mean Could it be that Spectrum Cbd Gummies For Ed Detailed User Experiences And Effectiveness Smrp there are divine beasts guarding it Shao Nan felt that his nerves were almost weakened by Xiaocao er.In other words, the two battles this time are top notch combat power.