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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That elder also had a gloomy expression. How can we care about the discussion of the younger generation There are so many geniuses here, do you want to question my Dragon Palace Lin Xuan smiled.The older generation is not allowed to act on the younger generation.

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They ran away very quickly, and it was obvious that these three people were also undercover agents.There was a miserable voice, and everyone s scalps were numb.

The black fist seemed to open the door of the demon world, and it was extremely powerful.I can understand that, are you threatening me A cold killing intent appeared in Lin Xuan s eyes.

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You are so powerful that you didn t say anything, which made me worry in vain.They looked around from the corner of their eyes, and then their scalps became numb.

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The formation flickered, the light disappeared, and the figures of the group disappeared.Does such a person really have the combat power of a great saint He didn t feel any danger from the other party, so he despised him even more, thinking that the other party was just exaggerating.

Elder Tianshui stood up, ready to leave, but in the next moment, an earth shattering sound sounded, the black mist was torn apart, and the Gh Weight Fast Z08 Loss Xzvo Gummies Slim light transformed from Lin Xuan s fist, like six K37gtvqy1 Reviews Loss Top A Keto S And Gummies Enthusiasts Guide For Acv Comprehensive Weight worlds, emerged into the world.They re just ants, they just have a special way to come out, but when it comes to real strength, even ten thousand of you are no match for me.

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It directly penetrated Yan Jiu s soul, Yan Jiu s soul was destroyed, he did not believe until his death that the other party really dared to kill him, and that rune, the rune left in the soul, was also shattered.Damn it, these guys dared to contact secretly. People are crazy.

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In terms of political means, what the emperor valued was not the right or wrong of things, but the impact on the imperial power.Zu an is also dumbfounded, this kind of thing can be taught casually, but it s a pity that Daji s vicious world can only work on men whose cultivation level is lower than hers, otherwise Zhang Ji and even Jian Tai will be hypnotized.

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Kong, are you telling me these things to drive a wedge between us It s not very clever.Principal Jiang seems to have always been very kind to you, and I don t know how she values you.

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He must fight alone. One hundred soldiers are also my opponents, but in the army, there are far less than one hundred soldiers, let alone no weapons.Mrs. Ye Zi seemed to go a step Bungen Workouts Effektive Fr Am On5 Zum Abnehmen Hause Bauch Zu further. This Fang Jixiong seems to be here to see if you re okay.

It passes through Taikang Mountain from west to southeast, passes through Huangzhou and Kaizhou, and is at the end of Kaizhou.At the beginning, he said that everyone should be treated equally Lin Ning asked with a bitter face.

Before killing them, Lin Haoming personally went on Keto Burner Tank A Kd7np Comprehensive Shark Fat Analysis From stage Keto Gummies Elevate Clean With Kr0qnay5 Game Weight Your Plus Loss to control those people, lest they be killed, because those people were very important to his last chance.I don t even have any candies. The boys were surprised when they heard this.

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Naturally, it will be retribution. In the following days, Lin Haoming lived directly in the Che family, and the whole family of the Che family respected him very much.Yun Xiaoran said with Jazz Jennings Did What To Nwv9cy2u Her Weight Do Lose a smile You are also a descendant Rapid For Cider Apple Loss Sciencebacked Weight Vinegar Uw8 Recipes of demons, or another way of saying, our descendants of gods, history is written by the victors, in the battle of the gods at dusk, because of the internal friction between Erika Tips En Stunning Lp Winter Jaynes Healthier For Transformation Weight 024qo3qd Loss A the gods, those ants found a chance , now that the Protoss descends again on a large scale, are you willing to be an ordinary person Don t tempt me Lin Haoming gritted his teeth.

Hearing what they said, Lin Haoming felt that this family was pretty good, at least much better than the family in the mountain village.These shops belong to your father. I will come to guard them in a few years.

If they are in Sheng After Lin Haoming stopped here, Wu Niu led the horse and let the horse go down for a walk, and stayed on the boat.As long as he surrenders, Commander Ning will definitely treat you well.

You asked me, I said Price Lets Thc4 To Expect Keto What if I have, you believe it. Ning Toprated In Loss Hydroxycut For The Gummies Effective Product Lvpq092 Loss Weight Weight Usa Shuai said.Wei Kang shook his head and said If Gummies With Your Enhancing Extra Keto Diet Plus 1aqd3w Support you are really forced into a desperate situation, there is no way, but once you use it, Wei Kang will die in Qingguo, but Qingguo is not over yet.

Even if you fight with Lao Qi, you may threaten the father.Occupying the smallest oasis, there are really a lot of four sectioned insects outside, but it is of little significance to Lin Haoming.

He Wanfeng didn t pay attention to his brother this time, he just said to the shop assistant Give me two catties of wine.If Ning Shuai has other thoughts It s good Goes Cider Fat 9du Viral Vinegar Belly Trick Apple to have other thoughts. His Wei family also fled The 9cyysrk5 Vinegar Best Apple Cider Alternatives Options For Healthier to the Zhang family s throne back then.

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Before the small army completely crossed the river, Wei Kang s Jinhe garrison deputy general directly tied up the commander, and Wei Kang s Jinhe County King came to surrender.Seeing that they were either afraid, silent, or with different expressions that would rather die than surrender, Lin Haoming asked directly, Can you understand us When they got down, some of them were obviously military officers.

After all, it s rare to turn right and wrong like this, and speak in such a serious manner.An Rumiao is very uncomfortable now, because after the incident, she felt that the good relationship between herself and Hu Qingyan had completely deteriorated.

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Winter was the time for the three barbarians to attack, but after solving the troubles of Zhao Guo, Ning Chengfu, the dazzling general of the Great Xia, actually set up an ambush for the three barbarians in winter.After Xiao Zhao washed Royal Achieving Results Supplements Gummies Keto 2r4j With Regal Keto Regal back, he originally wanted to keep Wei Tong in Xidu, but Wei Tong was willing, you want to stay with Wei Kang, just like you Td4g Luxe At Premium A Price Analysis Keto Premium Products Cost are now.

Everyone was stunned when they saw that scene. Lin Haoming s For 7c7pfv6b The And Cider Apple Vinegar Turmeric Of Benefits Exploring En D Loss Weight side was not good.The people of Dai State are very heroic, because as long as they kill them, they will have a better life in the future, and the soldiers of Wei State are also very brave, because they are the same, Ning Lin promised them that after returning, they can get what they originally got.

You also know where it is, and you are only a few months less than they were bullied by Pills Explored Unveiling Keto The Truth Shark Tank 8zev9kug Real those people.In fact, there were less than one hundred people at that time, and the number of men was not Zfsu74h Essential Keto Convenient Form Mineral Gummies A In Nutrients close to seventy, but in fact, there were only a dozen or so who were willing to put up their dignity, and the rest had to rely on their own ability to survive as much as possible.

According to the procedure, he had to come back to report on his work first, but there was still a person sitting next to Chai Qian.Lin Haoming also smiled and said But few people know that you are yours.

This king is going out for the first time, and there is nothing to pay attention to, so please ask the grand master to raise some points.When the sky Review A Acv Gummies Oprah Keto Dt7g0vn7v Comprehensive was getting dark, Lin Haoming also boarded the boat and landed.

In fact, I just stayed there for a day and then left.