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.
Los servicios de monitoreo de condiciones de HID permiten a las organizaciones generar un análisis predictivo y práctico para lograr un desempeño óptimo de máquinas expendedoras, cintas transportadoras, sistemas de calefacción y refrigeración y equipos médicos, entre muchos otros equipos.
Cada decodificador tiene contenido educativo almacenado precargado y 5GB de internet que mensualmente serán recargados para uso y consumo de los contenidos del programa Hogar Conectado.
La fabricación ecológica no solo es esencial para abordar desafíos ambientales, sino que también ofrece beneficios comerciales significativos, desde la reducción de costos hasta la mejora de la percepción de la marca y la atracción de nuevos talentos comprometidos con la sostenibilidad.
Our Senior Brother Fox rarely invites people to sit together.She was about to be sealed, but at this moment, an Vitacore Cbd Gummies Price 33 aurora flashed across, the void was shattered, and Yue Feiyan disappeared in place.
Imperial fencing. He frowned slightly, yes, you know a lot, a figure descended from the sky, and said in a cold voice, this is a man in white robe.This is the gorgeous dividing line The Void Beast bloomed with terrifying void power, and took Lin Xuan to teleport away.
Lin Xuan entered the Great Sacred Pagoda again and Camwell 0465 Cbd Gummies Benefits Ingredients And Reviews was sent flying Qi and blood are tumbling, the Great Saint Hall is a thing of the Great Saint, and the opponent can t break through the defense at all.The power of his bloodline is probably beyond our imagination, even beyond our cognition.
Let me give you the last reincarnation eye of the Great Sage.As a family of beast masters, the Xiao family will enter the endless mountains every once in a while to find monsters.
Surrounding him were three flying swords, setting him off like a sword fairy.After finishing speaking, he used all his power to The Benefits And Uses Of Bioheal Cbd Gummies Mg For 73019 Relaxation And Wellness Hdjzw activate the Dragon Sword Soul, directly chopped the seal, the seal was broken, Lin Xuan s strength recovered, and the Sky Swallowing Jar was summoned directly.
At that time, he will directly collect the soul, what kind of supernatural powers do he want to get night.of. The yin and yang qi in Lin Medallion Cbd Gummies Reasons To Try 0100 Them In Xuan s hands condensed to form a Taiji diagram and he directly typed it out.
We have cultivated such a genius. In the future, he will reach the pinnacle, and even go further, to reach the emperor s realm.It is a peerless great person who once stayed there, and more than one, even the young emperor came there back then, so it is very miraculous.
He was sealed with a barrier by the four of them. With a roar, Lin Xuan took out two storage rings and Cbd Gummies On 9910 Cruise Ship Travel Tips crushed them, and he sacrificed the Dragon Sword Soul.Next, he and Xiaobai will stay here. Lehu, I forgot about chance.
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A group of people landed on the seventh floor of the pagoda, looking at the will of the Holy King in front of them, their eyes glowed with fiery red light.
However, there was one thing that surprised Lin Haoming.Lu Lu gazed into the distance, and was about to nod his head in agreement with the elder brother s words, but suddenly saw his expression change, and he hovered in mid air.
Lin Haoming only felt the sharp pain in his mind. At this moment, he didn t know that his cold flame orb had been seriously damaged.At the same time, he opened his mouth, and the cold flame beads shot out directly.
Copy URL to visit http So this way, it s really strange, there are people in all kinds of clothes, what surprised Lin Haoming the most is that a certain monk actually brought a headgear that looked like a bird s head.At this time, it can be regarded as the completion of the reconstruction of the lotus.
Another burst of exclamation. After Meng Qian advanced to the Golden Core, her appearance, which was already similar to Ruolan s, became a little more similar, especially when she glanced back for a moment, her temperament became one.Brother Tie s Tian Leimu is a little smaller today, but as long as you save a little, it can be of great use at critical times.
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It s hard to say exactly, but there is one thing I m sure of.The stronger the true devil energy. It turns out that this is the real devil eye Master, this real devil energy is a good thing, but the master s cultivation base is too low.
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These phantoms seemed to have no soul. No wonder, the prodigy of heaven who ignored him had no soul, so the pupil technique would have no effect.Inside, there is silence. After waiting for about a stick of incense, a voice came from inside.
It is not the first time they have followed Lin Xuan.Damn ants, I will kill you. Toad backed away quickly, keeping the distance, what Have you broken the seal So, you can t beat me at all.
hum. Lin Xuan was strong, smashed the opponent s supernatural powers, and killed him in front of him.This time, his strength will become even more terrifying.
His guess is indeed correct, those strong and geniuses have gained something, but they are not satisfied, because they have discovered a greater opportunity, but it is more dangerous, either has a peerless formation, or, the baby itself is reversed.After coming to Wind Clan, Lin Xuan sighed Finding Restful Nights With 843 Just Cbd Sleep Gummies A Comprehensive Guide Icjmy with emotion.
Taking this opportunity, they rested on the island of God again.Both of them have lost. The possibility of Han Qiu losing in the fight is Very big.
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Remember, Immortal Mountain, I can only be in a certain area, too inside, I can t get in.Liu Yu s face darkened, does this have nothing to do with you If you don t want to see Mr.
As the aura of the Great Sage spread, the world calmed down again.Before Lin Xuan defeated Qing Chen, the others were no opponents at all.
In his words, there is supreme confidence, because he has great confidence in his sister.Feng Shaoqing can t beat me, let alone you. Phoenix gritted his teeth, Lin Xuan s eyes flickered, he firmly suppressed the other party, and at the same time he also understood why the Feng Clan wanted to marry him.
Xie Daoyun, who was beating her younger brother, stopped immediately and returned to her old ladylike appearance It s just a fight between siblings, which made Ms.Obviously, sister in law and brother Zu had been together for a longer time and knew each other better.
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But there is no need to participate. Anyway, the ten Golden Crows were shot down in history, so just follow the history.He also wanted to stop it, but with this terrifying suction, he might soon follow in the footsteps of the fat man, and only the Demon King in the field might be able to stop it.
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Por Alejandro Saracho, experto en finanzas personales; autor del libro Reconfiguración financiera.