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.
Tecnología de información ayuda al sector de hospitalidad a construir un programa de lealtad relevante y personalizado que beneficie al cliente y reduzca costos de mantenimiento para la compañía.
La tecnología actual puede ayudar a desarrollar y sostener modelos de negocios nuevos y se ha vuelto cada vez más sofisticada. La puerta se abre y es el momento de ingresar.
Many people stared at Lin Xuan, Such a formation genius was actually found by Qianshan Dongtian.The aura of the Holy King is indeed very strong, and he has the arrogant capital among the younger generation, but it s a pity that you have found the wrong opponent.
I think it shouldn t matter too much. Although the power of reincarnation is rare, it is not under the control of one party.Lin Xuan came out, and a cold voice Cbd Gummies For 5921 Tinnitus Reviews Can They Really Help sounded, Damn it, it s you run away The face of the Great Sage of the Golden Crow Tribe turned green.
They were so surprised, why did the other party join the Zifu And, more importantly, deal with why you are so young now Looking at this scene, Lin Xuan frowned tightly.Suddenly at this time, The formation in front of it split open, and those people who went in before came out again, got out Many people exclaimed, even the other members of those desolate ancient families walked up, how about Netizens please remind Please pay attention to rest your eyes when reading for a long time.
The dark red dragon frowned, no, what happened this year Why are How To Order 45 Cbd Gummy Bears A Comprehensive Guide there so many people, hundreds of times more than before And some people are not qualified for the test at all.Dizi, are you so powerful Lin Xuan was surprised, and the soul said, of course, you have never heard of the Great Emperor, how powerful he is.
If you think about it, you should have practiced Tianzong s unique skills.Some people can even kill peak level strongmen. By.
Dongtian s revenge, although the distance between the two parties is infinitely far away, but it is not necessary to offend so many powerful sects for no reason, Lin Xuan and the Qing clan already have enmity, so they don t care, put this black pot in the Qing Dynasty On the bamboo head, at their speed, there should be a while, we can make good use of it.
boom The two collide. Numerous cracks were torn open, the sky and the earth were filled with terrifying laws and destructive auras, and no one could see the figures of the two of them.Lin Xuan saved his life, and he was terrified. Who was it With a cold shout, a terrifying aura bloomed from his body.
These caves belong to the lower part of Misty Peak.They have carefully recalled the whole thing these days and found that they The situation is very bad, Yan Jiu has fallen, and the elders who lead the team may not be able to escape from the old days.
There is no need for compensation, but you have to remember what you promised me, let s go, Lin Xuan waved his hand and walked up, Elder Bai and other strong men in the cave also followed, a group of people soared into the sky and left the moonlight city.When are they held To put it bluntly, after five days, Huo Ling er said, we can do it on the fourth night and kill them by surprise.
Since the great saint Qian and the great Kun Saints, they all Is 41 Cbd Gummies Addictive Understanding The Risks And Benefits appeared.As soon as these words came out, the people around Dongtian were also surprised, Qilin fruit, this is a good thing, just like dragon marrow, it is very precious, and Qilin fruit requires more troublesome conditions.
With a bang, Qilin was shocked and retreated, his face was full of shock, how could it be possible Does the opponent have such combat power The next moment, he saw a small vortex appearing on the opponent s body, and then a Suzaku flew out, with three eyes, especially the third eye, blooming with divine fire, which made his unicorn fire feel threatened , Fiber 85 Gummies For Adults Side Effects A Comprehensive Guide To Safe And Effective Digestive Health Hkadx Monster Beast, there are divine beasts guarding you beside you, it s really unbelievable Zi Qilin tore through the void, turned around and fled, the other party was also the peak of the Holy King, and also a different species of heaven and earth, More importantly, it was seriously injured.
This is a gorgeous dividing line show it in front of people, let s wait until there is no one there, when the time comes, these four people will know what despair is.They still have to defend against the attacks of those phantoms.
With a radius of 100 meters, this is the distance that Lin Xuan can move at present.The patriarch of the Guang clan asked, what happened Why did Lin Xuan attack your Wind Clan this The elders of the Wind Clan hesitated.
Suddenly he thought of a person. His eyes looked in all directions, as if to penetrate everything.Lin Xuan s eyes flickered after hearing this. From the looks of it, the people on the star list should be very terrifying existences in the middle stage of the Holy King.
roll. The dark red dragon slapped him flying, and Bai Zhen turned into a streamer, and his body disappeared.The Blue Clan, one of the top families, is very famous, and the patriarch of the Blue Clan came in person.
They still exist. Lin Xuan was even more puzzled, what is it People, you must know that although Xia Jiuyou doesn t have much vitality now, at the peak of the year, he was an invincible opponent who swept the world.From Tianzong s side, five people came over. They were the five brothers with terrible auras.
Afterwards, he looked at Haiyuan God General again, and said, thank you senior for helping me earlier.What a terrible hellfire. Not only was Lin Xuan Vidapur Cbd Gummies Benefits 93111 For Calm Better Sleep not frightened, but he was very happy.
When the light is on, the heaven will recover, and no one can stop it.This is a gorgeous dividing line Hellfire Dragon Sword, come on.
hateful. Ancestor Shengtian roared wildly, who can block his attack, there is no one else except Patriarch Xuanbing, Best Cbd Without Thc Gummies 4904 Benefits Reviews And Quality Guide maybe Old Ancestor Xuanbing has been poisoned and injured Where is the strength to attack him Patriarch Shengtian s face was gloomy and cold, he shot again, tore open the sky, and descended quickly, the next moment, he stood above the nine heavens, and saw a figure, It s you, you dare to come back What about the people in Xuantian Pavilion Get them out Patriarch Shengtian frowned tightly.
The Sanren of the Six Paths retreated quickly, and the Tianbei that suppressed him was shattered.Lin Xuan planned to hand it over to Liu Yuan and pay Hongye to run it.
That s all, it s fate not to force it all the time, he is very open.In the Grand Canyon, Fu Hongyu and Toad were also chained and both were injured.
It s not that simple. Before, 30 world hearts would either kneel down and beg me, but now it doesn t work.The other people were also divided into several groups according to their own wishes, and many of them walked towards Lin Xuan, obviously wanting to join the 18th floor of hell.
With this sword, the whole world was split into two halves, and everyone was terrified.At the same time, we will send people to follow him secretly.
Those strong elders in the spiritual realm couldn t resist at all.Found, this wound won t heal, damn it, who are you When did Qianshan Dongtian provoke such a terrifying existence They looked at Patriarch Shengtian, the soul of Break 67740 Free From Smoking With Nufarm Cbd Gummies A Natural And Effective Solution Patriarch Shengtian, and his face was extremely pale.
Sure enough, when Lin Xuan and the two arrived. A lot of people have already gathered around.I wonder what happened to Lin Xuan Bai Susu said. The dark red dragon also frowned, why don t we send someone to take a look.
Someone attacked Bai Su Lin Xuan felt unbelievable, Bai Susu s father is the emperor of immortality Daoist elder The status is much more terrifying than the previous Tianshui elders, who dares to do anything to Bai Susu what s up Don t worry, speak slowly, Lin Xuan said.
Even if they are geniuses, they will still trample to death.The voice was loud, like a thunderclap spreading into the distance, the purple figure yelled angrily, you dare to disturb Wu Dao Du Jie He stared at Lin Xuan, with a murderous intent in his eyes, but at this moment, a voice came from the thunder ahead.
The first genius 8000 years ago, Shengtian Town, was extremely powerful, and it was also an ancient body.Lin Xuan s figure emerged. He looked in all directions and found that this was an independent space.
He is already a holy king, and the opponent is just a saint, he can instantly kill Finding Restful 241 Nights With Thc Gummies For Sleeping A Comprehensive Guide Uiebu the opponent with his eyes, but the opponent does not know whether to die or not.Sword Wuque Elder The people of Star Clan also ran over, the elder of Star Clan stood up, his face was pale, he gritted his teeth and said, Jian Wuque, do you dare to meddle in my Star Clan s affairs Jian Wuque, staring at the other party, is it you, who is going to attack my Xuantian Pavilion Die He slapped him, and then slapped it, you are looking for death The elders of the Star Clan rushed up and fought with them, but they were not opponents at all.
Hey, there is no way, the genius here is not even as good as cabbage.so smart Lin Xuan gasped, no wonder the elders before were gnashing their teeth like this, this is indeed a top talent, it is really a pity to fall.
Such a thing happened. No, report it quickly. They are worried The people from Zi Ling Dong Tian came to avenge and opened the peerless formation.Although it was the Qiankun Palace he opened, he didn t take any immediate action.
It can be said that the general elders do not have this kind of treatment, only the top elders have it.People from the lineage of the ancestors of Shengtian, their eyes lit up when they learned about it.
They have existed since ancient times, no one knows where they are, and no one knows who is in their organization, only they know that they are all over the heavens and worlds.How can I use such a heaven and earth spirit fruit Cbd Blue Gummies For Ed 412 A Review Of Their Potency And User Experiences Only a top genius like you, son, is worthy of using it.
Xue Qi said, who dares She stepped forward, but those guards still came with big strides.You Leng, a genius of the previous generation, is so powerful that he definitely surpasses Jin Wuhao, You Xie and the others this is the gorgeous dividing line please remind novel netizens Please pay attention to rest your eyes when reading for a long time.
Those holy kings also had twinkling eyes, but they didn t open their hands immediately, because there was still a passage ahead, and there might be better things inside, Lin Xuan also didn t stop, he also walked towards the inside.His cultivation base is the Holy King, and his record has reached the 93rd floor of the Holy Yuan Pagoda.
After that, there will be no power, and the sky lantern will be extinguished.This made everyone gnash their teeth in anger. If Mr.
Hum, Lin Xuan descended from the sky and came to the ring, with a boundless aura sweeping in all directions.They immediately held a dinner to entertain the three of Lin Xuan.
It seems that the armored man is really serious. hit a real fire.At this time, the great sage of Zifu, who was fighting against Montenegro, also pointed out that the dragon and elephant pointed at Lin Xuan.
Xiaobai squinted his big crescent like eyes, and said, I have dripped my own blood and soul, you can t use it, Lin Xuan said, you little guy, when did you use it move so fast Xiaobai said that this thing seems to be born for me to use.What a terrible physique After the person was shaken back, his face was gloomy and cold.
thanks. Ye Wudao cupped his fists. Afterwards, he continued to look for forces related to Lin Xuan, and at the same time, outside the ancient city of Taiqing, Danfeng and others had arrived.Next, his meaning began to be a little vague, as if he didn t know what happened.
Then, someone came in again, this time, it was a grand one named Lan Chao.
With that elixir, no matter how seriously injured you are, It can recover instantly.kick out. How dare the red haired young man constrict his pupils suddenly, he didn t expect that the other party would dare to make a move.
You don t need to think about leaving palm prints on that kind of wall.Don t kill me, help me In front, the elders of the Black Dragon Cult in the main hall screamed and fled quickly.
In order to thank him when he came to Shenjian Villa, he had to treat him well.That way Hearing the words of the gray clothed old man, those Duan family warriors felt relieved.
Damn humans, they came after you If this is the case, then I can only kill you all Sky Youque snorted coldly, then its wings vibrated, turning into a black torrent, rushing upwards quickly.Because if they get it, they will definitely absorb it immediately and improve their strength to prepare for the next battle.
Mr. Ling Feng took out a precious fan from his arms with a gloomy expression.They are all Tianjiao elites, they have never been ridiculed, and naturally their faces are extremely gloomy.
No need, I ll go in person. Luo Shouzun in front stood up, and his cold voice echoed around That kid is full of tricks, and he must be guarded by a peerless powerhouse.But Lin Xuan snorted coldly and pointed out with his fingers.
The last time he was just knocked back, but this time he was not only sent flying, but also vomited blood and was seriously Blue Vibe Cbd Gummies Benefits Reviews 815 And Science Behind injured.Now they are not shocked, but terrified. Especially those warriors in the God of War Palace, their expressions seemed to have seen a ghost.
It was the magic pit that he had been to back then.You
Iron Fist fell to the ground, clutching his severed arm, roaring ferociously.
After all, the status of the Shendan Hall in my holy religion is unmatched.Because in their opinion, Ziyang is too cowardly to do so.
However, let the other party escape. Thinking that the next time the opponent appears, he will definitely appear at his peak state.On the other hand, Lin Xuan snorted coldly, and his eyes were like lightning You are stubborn, since you are looking for death, then I will grant you.
Hearing this, everyone was taken aback and opened their mouths, but they couldn t tell the reason.Although the two were not injured, their expressions were not at all relaxed.
So the next moment, these strong men wanted to escape, but You Que didn t give them a chance at all.As if to tear the sky apart. The next moment, two different flames collided together, making a shocking collision sound, and terrifying energy swept all directions.
Because the centipede in front is really terrifying, compared with it, the blood lion before is like a docile kitten.Slapping a law enforcement martial artist directly in front of him was instantly slapped away, as easily as swatting a fly.
It is conceivable that the word Cangsong should be the name of the ancient strong man.This banquet can be said to be the highest level one in the past thousand years.
On the auction stage, an old man in black robe said loudly The next thing is even more miraculous.Even his body trembled slightly. Because his punch was easily blocked by the opponent.
The woman in black Green Roads Cbd Gummies Reviews Benefits Effects 46362 And User Feedback nodded, but the next moment, her face changed drastically, because she smelled a faint smell of blood coming from the front.Regarding this proposal, the Dark Red Shenlong also agreed with both hands, because the spiritual energy in this place is too strong, which is just right for him to recover.
That s why these elders are so excited when they see Lin Xuan at this moment.But now, he didn t dare to make a move at all. Because on the opposite side, there are three kings, which is not considered Dean Xuan.
Murong Qingcheng and Luo Gummy Pretty Blood A Comprehensive 40 Guide To The Popular Cartoon And Its Merchandise Bajqm Bingshan were already familiar with this language, but if it was replaced by anyone else, even the king would vomit blood when he heard these words.Things. Those people in Asura Hall are much worse than the previous Young Master Lingfeng, even worse than the Eight Great Families, so Lin Xuan hasn t noticed it yet.
At that time, he only needs to grab the opponent s storage ring and open the bronze coffin.That figure is mysterious, with countless demonic clouds covering its body, it is impossible to see clearly, but the aura emanating from that body is extremely terrifying.
But other sects are not so lucky. This Nether Hall is a demon sect, and its methods are extremely cruel.There are two types of attributes, and no soul power has been displayed, so everyone has no idea how powerful Lin Xuan s soul power is.
The palm was like a cover, covering the sky and the sun, and it quickly fell forward.
Por Alejandro Saracho, experto en finanzas personales; autor del libro Reconfiguración financiera.