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 trenes de hidrógeno no solo están revolucionando el transporte ferroviario con su tecnología limpia y eficiente, sino que también están marcando el comienzo de una nueva era en la movilidad sostenible. A medida que más proyectos se desarrollan y la tecnología continúa avanzando, es probable que pronto experimentemos el impacto transformador de estos vehículos en nuestras redes ferroviarias.
Es mucha la complejidad a la que se enfrentan los jóvenes; exige una formación innovadora y de inmersión para desarrollar competencias que los faculten a cumplir metas y expectativas de la sociedad actual.
Elder Jian took the jade slip and read the contents of the Secret Code of Sword Demon before saying anything for a long time.If Li Shiming himself wants to practice the Secret Code of Sword Demon , he https://tannoorgrill.com/trending/weed-sleep-gummy-a-comprehensive-guide-to-cannabis-infused-jr08m2-sleep-aids-rgiin-zvlk/ will also need a third grade metallic material as the sword base.
The computer room https://tannoorgrill.com/insights/cbd-gummies-on-cruise-ship-qhb-2cov/ space is a space that he travels through together.If Li Shiming had interests that exceeded Gu Jia s expectations, I believe Gu Jia would take action against Li Shiming without hesitation.
Although Li Shiming s strength is nothing to a genius like Baili Jinyan, there is no comparison between the two sides as to what kind of resources Baili Jinyan received during his growth, what kind of background he has, and what kind of spiritual roots he has.The price offered is too high. It is too high for the trading company to refuse.
The sky is more lethal to creatures with spiritual power, but that does not mean it is friendly to ordinary life.Combined with these conditions, even Qianye Temple, which has a complete inheritance of killing and becoming a Buddha, cannot cultivate them for a long time.
Li Yuanba s figure disappeared from the original place and appeared on the second white lotus.This time he sensed that the formation in the cave was in operation, and thought that the foundation building cultivators who came here were still there.
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He naturally knew that another old monk in the early stage of foundation building was controlling the formation.This amount of electricity is absolutely a drop in the bucket for a large server.
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The defensive effect is not much different from before.You must know that forcibly interrupting the main practice method has the risk of going too far.
As early as countless missions, the cooperation between the two has formed a master follower model.The fingers were continuously moved on the Soul Gathering Plate, and the spiritual power in the four spirit stones was guided into the Soul https://tannoorgrill.com/spotlight/Are-ACV-Gummies-a-Scam-A-Comprehensive-Review-of-Their-Benefits-fft21-and-Effectiveness-67iv/ Gathering Plate and flowed in the Soul Gathering Plate.
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For him, there was enough evidence to explain the problem.If the top of the mountain is not too small, he will build more Fresnel reflectors.
Currently in the Shushan Sect, he hardly needs to consider safety issues, he only needs to do his best to improve his strength.As long as the bleeding was stopped for this kind of injury, he would not die in a short time.
This is it Li Shiming did not https://tannoorgrill.com/research/gummies-en-the-role-of-fireball-cannabis-gummies-in-womens-weight-loss-mtctnyvt-success-stories-of-2025-cnvs/ pick up the talisman.
If it hadn t been sold, it would have made nearly 60 points and more than 400 million
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This wave of market peaked at 28 points, and now it has reached the 2400 point mark.that other live broadcast platforms dare not even think of.
But at this moment, Fang Hong thought about it and said to himself The net profit is 15.Comparatively https://tannoorgrill.com/updates/understanding-the-benefits-of-natural-c1s88dfo-bliss-cbd-gummies-for-overall-well-being-5nrt/ speaking, the size of Bitcoin is too small.
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This punch was not the point, it was just to knock the opponent away into the mouth of the man eating vine.It looked extremely bloody. The big elves are too fragile and have nowhere to escape.
It is precisely because of this that Tolan will focus on the Storm Leader.Since he doesn t know Dragon Hunter, he doesn t have a God s perspective this time.
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The total number of players was more than several thousand.He knew adventurers well, and usually only took money to do things.
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tumultuous The fierce dragon s breath ignited from the fang dagger, setting the War King s body on fire.Several people laughed in unison. At this moment, the surrounding voices dropped.
The flying mount of the barrier camp, of course. Pegasus There is no such thing as an elf knight.
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After the roar ended, a figure flew out from the forbidden area and came to the crowd.Now that we have finally encountered this golden opportunity, we must seize it no matter what.
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The alcoholic queen bee was able to block the previous eight thunder tribulations by relying on the hive.Qingyang s cultivation level was low at the beginning.
He has a good relationship with the other ghost kings.That s okay, right You are just borrowing flowers to offer to Buddha.
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This young monk is actually the only son of Lord Shi Fu.There were three people in total, two late stage Jindan human monks and a ninth level demon cultivator.
Por Alejandro Saracho, experto en finanzas personales; autor del libro Reconfiguración financiera.