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.
Con herramientas de inteligencia artificial, los tutores obtienen capacidades como predecir la calificación que obtendrá un estudiante o caracterizar su comportamiento de aprendizaje, esto es, una disminución en su carga de trabajo».
Los entrevistados para este reporte coinciden en afirmar que la asociación con un 3PL integral experto, sea en gestión de operaciones como de bienes raíces, puede proporcionar una solución perfecta y potente.
The low mountain collapsed and cracked violently, and rocks, clods, and trees fell down in pieces.Inside was a tender blue apron, which was supported by the chest.
Li Lingsu s heart shuddered when he saw it, and he frowned I, I don t have any status in the world.Canglong wrapped in a cloak raised his head.Under the brim of his hat was a pair of golden vertical pupils.
Senior, please treat my fellow disciples.Chan Master Jingxin clasped his hands together and begged.Previously, he was afraid that Jingxin would not be recognized by Ta Ling, so he was worried.
Shengzi glanced at the lobby, but did not see the figure of the elders of the division.Even with four iron corpses to help him, his combat power is still not as good as a fourth rank.
It s hard to imagine that the former high cold national teacher recovered and recalled what happened in the past few days.It seems that you also I don t know the truth, Emily Simpson’s Balancing Act: Real Housewives’ Real Weight Loss Keto Dessert With Greek Yogurt I just planned to get wool from you Xu Qi an maintained the persona of a Taoist master, and he said, Where is the Taoist Li Lingsu s pupils shrank suddenly, and his expression was dull.
Of course, there are also many barbarians in southern Xinjiang who live on the ancients, drink blood, sacrifice living people, and even kill each other.It is clearly agreed that you will be a prostitute until the end of time, and you must have the spirit of contract.
There are nine dragon qis.Give up one dragon qi that is almost impossible to get, and leave Yongzhou to find the rest.A young man with ordinary clothes and ordinary appearance, holding a torch, looked at Jing Xin with a smile.
This person is called Chai Siming, the ancestor of the Chai family.The most strange and special thing in the west is a broken arm, with golden chains extending from the wall and the ground, entwining the broken arm.
She poured the teapot, and a slender column of water poured into the cup, swirling and tumbling along the porcelain white cup wall.The little white fox rushed over with a whoosh , sniffing while twitching its nose.
I really wanted to hit him, otherwise my heart would be hard to calm down.But it s too much respect for each other.Except for Sun Xuanji who went a little excessively that time, on weekdays, at most, he would shake her little hand.
But the next moment, the three of them fell limply on the table and passed out.Li Lingsu immediately bowed his head and quickly distanced himself from Xu Qian.
Seeing this scene, Ji Xuan nodded No worse than me.
Did you find that person Canglong asked, his voice was hoarse and low, as if his throat had been injured.Let s get to Yongzhou as soon as possible, so we can inquire about the intelligence and ambush that person.
Amidst Luo Yuheng s coquettish moans, Xu Qi an felt a soft and straight chest being squeezed deeply.Of course, if you insist on waiting for an opportunity, it s fine.
The Dongfang sisters looked at each other, and tacitly retracted what they just said.Li Lingsu was not surprised about this matter.When Xu Qian said that he was heading west, Li Lingsu had already guessed the details.
Xu Qi an immediately took her leave and left.Just as she walked out of the yard, the little girl s voice came from behind her.After finishing speaking, she turned her head and stared at Xu Qi an She is going to sell me to a brothel.
Today you saved a woman who fell into the water by the river, is there such a thing Xu Qi an nodded.The south wall is covered with calligraphy and paintings by famous artists.
Dongfang Wanrong pondered for a moment, and said again Wait a little longer.Xiu is a disciple of the Plum Blossom Sword Sect.She looked at the man in black and well dressed, and introduced His name is Wang Jun, a disciple of Songyun Sect.
In the county, there was a third courtyard in a certain building.It looked up at Xu Qi an from time to time, and then lowered its head to drink porridge.
Xu Qi an suppressed his excitement and asked, Why didn t you tell me this in advance Something Sun Xuanji took up a pen and wrote The teacher is a chess player.
The last possibility and the best situation is that there is no necrotic tissue in the wound after yesterday s debridement.Wu Buwei followed up, What if it s about two or three months, and the pregnant woman can t pass it out on her own Uh Yu Haiting s head felt dizzy again.
Even if you don t say it, I will I remind you to find a professional, because the person I want to discuss 13 Lbs Weight Loss Keto Weight Loss Gummies: Simple and Effective Solution the details here must also be a professional.The older man panicked and left a message to the young man next to him, Put out the fire above.
While speaking, Du Heng stepped up. Climb the steps of the clinic.No, it s okay if you can t go home. Our two units are just two steps apart, and he doesn t come to see us He said he was Are Oranges Keto The Surprising Link Between Naltrexone and Weight Loss busy, but he didn t know what he was busy with.
He hung up and continued the debate.
Wang Shuqiu is very unhappy today because the very annoying Zhao Xinyuan is coming out.But no matter how quick the emergency response is, it s of no use.
But when he was halfway there, he received an unexpected phone call.Dong Yuezhang was anxious and holding back his anger, but he took a look at Thirty Degrees There was nothing he could do about the crossroads on the left and right.
And the three The silica, calcium oxide and volatile oil contained in the ribs may react chemically with Glauber s salt, thereby changing the medicinal properties of the two drugs.Du Heng didn t dare to let the child take any more medicine.
Tell me how to cure it. Du Heng smiled with satisfaction.Du Heng looked at his niece speechlessly. On these things, the money he gave him this morning was probably almost all spent.
In an instant, his chatter was almost gone, and he said directly, Let s talk about specific things.chat. In the ICU ward of the First Hospital of the City, Du Heng met Qi Cai s Medical Weight Loss Specialist Nj do apple cider vinegar gummies work wife, whom he had not seen for four days.
So that s it, the doctor who asked the question quickly added what he had just given.The more serious thing is that it hurts the muscles and bones.
He had already thought of the words to say in his mind and cleared his throat.During these five years of car emergency treatment, the most common accidents he has seen are car accidents, and the second most common ones are car accidents.
However, he still had to ask the female Aloe Vera Keto Diet Weight Loss Perimenopause 2025: What Really Works doctor to explain the concerns of the patient s family.He pointed his head directly, Do you believe I slap you After being a leader for two days, I think you don t know your last name anymore.
After two doses, he will be fine. Okay, Dean, I understand.However, after several days of negotiations, he discovered that the interpersonal relationships among Chinese medicine practitioners were more complicated than he thought.
Together. Several people rushed to the ward and Seeing the bald Jin Zan chatting with Dr.It s just, what a coincidence. Doctor Zhang Zuo continued, Dr.
It doesn t matter if he is an internet celebrity. But what about Director Jia, Li Qin, and Feng Su They are all serious celebrities, and their social influence is different from that of internet celebrities.When he felt happy, he felt even more pressure. As for what the pressure was, he didn t seem to know what it was.
Du Hengyi I thought it was right, so I got up and asked Lu Qiaoer to walk to Liang Lihai s house together.Du Heng took two breaths and looked at Qiu Pingzhen steadily, Okay, Send it.
But before he could explain, he saw that Du Heng had already stood up and walked out, so he quickly got Do Blue Gummies Work for Erectile Dysfunction? Separating Fact from Fiction Cardio And Erectile Dysfunction up and chased after him, Don t leave, wait any longer.you won t get anything by then. As soon as Gong Daoyang finished speaking, Du Da s voice rang in the room, It s impossible to release her, and there s no money, so what s the use of her being alive.
After they read it, they immediately Agree, and then we will directly admit her to the hospital.He stared at them and said, Where did you learn these vixen skills If you dare to say anything nonsense again, I ll screw up my teeth.
If these people had scientific research capabilities, they wouldn t have to wait until now to break their heads over a deputy director s paper.I used something to make a neck brace to protect him first.
It cost me five yuan. Then he put the things in his pocket into his pocket.