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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When he looked back, he saw a somewhat familiar man sitting up from the seat far away and looking at him eagerly and angrily.Du Heng found two girlfriends, and she liked them both.

You have a disaster star physique now, I think You should find a master to clean it up.I like to sweat, and I have to eat. It is also very easy to sweat when you are young.

Lu Zhongjiang didn t force it and smiled reluctantly, but he also twisted the bridge of his nose, It s nothing serious, it s just I m happy at noon, I ate two more bites, but my stomach hurts a little now.The smell. As Wu Shengnan said, he Bio 6j4j5 Heal Cbd Gummies Official Website O1jg curled up to Du Heng s side and saved Experience The Perfect Blend Of Relaxation And Euphoria T54r With Medterra Cbd Thc Gummies A Comprehensi Eqpv Du Heng s arm.

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Calm the space of reincarnation and make it calm down gradually.At this moment, Xu Yang stretched out his hand and flicked it, and a ball of soil the size of a marble flew out and merged into the spiritual liquid.

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He stands here to prevent everyone from ascending, and the main target of the Demon Lord Zizai is actually Xu Yang.

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He didn t dare to be negligent, quickly took out the ultimate healing elixir and gave it to him, and then circulated the witch power to help him catalyze the medicine.I am afraid that someone will take advantage of the opportunity to attack.

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body, a group of Nascent Soul Elders watched them flee helplessly.The Gongshu family s refining techniques are too sophisticated, and Xu Yang has always been obsessed with it.

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They formed a ten thousand magic formation and were united as one.Jin Shengtian, as the elder of Wanbaoge Yuanying, had his own cave in the city, and Xu Yang came to his cave without much effort.

Although Gongshuban and the others were at a disadvantage, they were not powerless to resist.To deal with these people, Xu Yang didn t stay any longer, and went straight into the central hall.

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There are really good ones, but they won t be sold now.But the patient s family members got emotional, and so did Xu Pinglin, and it was even worse than them.

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The two of them stopped talking and followed the others in silence.The frightened sparrows fluttered their wings and fled.

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In severe cases, it may cause anaphylactic shock, causing liver damage, acute heart failure, and even death.Du Heng moved his eyebrows and said thoughtfully, Is that because Dean Li is going to change places I heard that he is, and the place is better this time, so he may change.

When he entered the village in March, he discovered several cases.He now regretted why he had let these people follow him just now.

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Du Heng checked his pulse while chatting. The old man in front of me had a serious hunchback.I can only say that the order is out of order. He can t vomit now because his stomach Qi is weak.

What happened just now, how about the progression of the disease It s a bit fast.Li Qingde looked at the file in his hand, his face full of joy.

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How did you do it in previous years Lao Zhang and I used to go to school together.The leader was very satisfied with Du Heng s performance just now.

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What s the point of looking for it During the past few days when you are seeing a doctor, you will eat at my house Nordstrom Sleep Olly Gummies A F9gl Comprehensive Guide To Restful Sleep With Olly Sleep Supplements Qtbzv Yr9x and stay at our house at night.He was not very fond of this kind of woman. interested.

It hurts to see it. Please take the trouble Bio Whv Heal Cbd Gummies Cost 2qhs of the three of them to help the old man take a look.He had always thought of effective treatment in internal medicine, but never in surgery.

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Du Heng also smiled and said, Then I ll trouble my sister.Du Heng glanced at Zuo Liangliang and found Before he finished writing the case diagnosis, he took the prescription note at hand and started writing, Insufficient kidney yang, it is recommended to nourish the kidney and warm yang, rehmannia glutinosa, antlers, aconite, cinnamon. Okay. Auntie,. Okay, thank you, doctor. You re welcome. Auntie left. Zuo Liangliang hadn t finished writing the diagnosis yet.

As long as it doesn t use the hospital s money, Du Heng will support whatever you want to do.