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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En México, gracias a la apertura de empresas que han mostrado un gran compromiso con la tecnología, poco a poco han ido ganando terreno los rubros del marketing digital.
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you single handedly entered the Cangshan Planet for the safety of the Emperor s Star, those people not only failed to care about your kindness, but also added insult to injury Our Long Family, the Protecting Yu Sect, has been having a very bad time these past few years.
Over the years, they have been wreaking havoc everywhere and starting wars, but no one can resist them.Lu Yu did not answer, but said with a half smile, Maybe I should give The Benefits and Effectiveness of CBD Apple Cider Vinegar Gummies for Overall Wellness (wSsVr)
you a name, how about Xiao Chi Ah Xiao Chi Master, isn t this too unpleasant Hearing Xiao Chi At Chi s name, the Chi Yan Pavilion weapon spirit immediately started acting coquettishly.
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and disbelief.They are scattered one by one in the huge valley with a radius of thousands of feet, like ants, but they cannot be ignored Because most of the people here are strong men above the God Transformation stage, and there are even some powerful Dao Lords at the level of refining the void, but they are powerful combined with the Dao.
Then Princess Lu Xiao s eyes moved, she glanced at Lu Yu, and said Elder Kang Sheng, let us resolve the matter of the younger generation of geniuses on the competition How Busy Moms Can Utilize Macros to Lose Weight and Stay Healthy
stage You can t interfere Her elder sister, Princess Lu Yi, scanned Lu Xiao took one look and knew what she was thinking, and immediately agreed.
Ancestor Xielu, who had been silently observing just now, suddenly asked Fellow Taoist Wan Chi, since you have a sect, why did you go to Wuhua Sect When Wan Chi heard this, his expression was complicated, and he sighed We are facing the wind.The ancestors of the gods are powerful And the Netherworld Palace is not Exploring the Debate on Metformin as a Weight Loss Therapy for Non-Diabetics
in the Western Wasteland, but in the Northern Cold Territory, and it has always acted unscrupulously to get close to the Demon Sect.
And this time, the Young Demon Lord s greatest purpose is to refine the foundation of the magical medicine, Xuanhuang Fruit, to reshape the demonic body and become stronger Then, the Young Demon Lord waved his hand, and a compass like magic weapon appeared, with the pointer heading in the direction of the magic medicine Tiandi Xuanhuang Fruit.
I m afraid they would be severely punished and become a laughing stock if they returned to the sect For a while, everyone blamed Lu Ziji.But Lu Yu shook his head and said It s a pity that Discover the Best CBD Gummies with Low THC: Benefits, Reviews, and More
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body was shattered This time, blood loss At this time, Lian Peng was frightened and looked at Lu Yu with a look of horror Before, he thought that Lu Ziji only survived by hiding behind He Yan er, the little princess of the Western Wilderness Kingdom, otherwise he would have killed Lu Ziji long ago But now, I never expected that Lu Ziji would be so powerful He is one of the top ten geniuses in the Western Wasteland Region s peerless genius list, even better than Lian An of Wuhua Sect.
The True Fire Sect has always been good at refining elixirs, but refining thunder calamity elixirs is rare in hundreds of years.And the Gou Rui next to Lu Yu must also have a crush on him.
Although Lian Peng resented Lu Yu and wanted to kill him all the time, after breaking the formation again and again just now, he had no doubts about Lu Yu s ability and was deeply afraid of him.He can t run away, and he can t defend himself For a moment, Hong Meng s body protecting robe was beaten to pieces and his clothes were in tatters The blood was dripping, the bones were broken, and it was extremely miserable He doesn t look like a big shot in the god transformation stage, he looks like a beggar being thrown into the quagmire Vita Vigor CBD Gummies: A Comprehensive Review of Their Efficacy and Benefits
by Lu Yu Seeing this scene, both the people from Cangshan Sect, Luofeng City and the Bloody Hand Sect were all shocked Everyone s eyes widened, their mouths opened, dumbfounded, dumbfounded, and terrified They never thought that Lu Yu, who had always been gentle and elegant, like a handsome scholar in blue shirt, would be so powerful, so powerful that it was incredible Hong Melatonin Gummies and High Blood Pressure: A Comprehensive Guide (sVkCf)
Meng, the majestic leader of the Bloody Hand Sect and the Divine Lord in the Divine Transformation Stage, single handedly suppressed the Cangshan Sect and suppressed their despair.
boom The terrifying chill surged out as Ma Shen s momentum exploded, sweeping across him The surrounding temperature suddenly dropped by dozens of degrees, reaching extreme cold There was even thin ice forming on the red carpet.Then, Lu Yu Macro Keto + ACV Gummies Reviews – Do Keto Gummies Work or Fake Product?
disappeared and fled in one direction to heal his injuries.
Blood and blue light surged uncontrollably. Spiritual energy surged in a radius of ten miles, and the color of the sky and the earth changed Can Senior Brother Feng Zhang win Yunyun and others looked at this scene with worried eyes, worried.Although this Red Cloud Star is only a not so top level planet for cultivating immortals, and is not comparable to the Purple Pole Star Territory in Lu Yu s previous life, it is enough to meet his current needs, and Lu Yu is quite satisfied.
Zhuang Yu also sighed in his heart, there was no hope in the first place.However, at this moment, Lu Yu suddenly opened his eyes and looked in the direction of these people with a half smile Why are there so many people seeking death What After Lu Yu said these words, Wan Chi and others suddenly He opened his eyes and became nervous.
He has a bright future. Why would he be willing to die in this deep mountain and forest The other two foundation builders in white robes also had extremely pale faces, with thick beads of sweat dripping from their foreheads, as if they had turned on a faucet, flowing down However, Lu Weight Loss Kelly Osbourne: Inspiring 10,000 Fans with Her 2025 Transformation
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It seems that my bet was successful When Lu Yu heard these words, he glanced at Zhuang Yu with admiration.
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Soon, everyone will find that only the first batch of purchasers are the wrongdoers.
Mr. Su, you can see clearly. The leader of the officers and soldiers said, Whether you go by yourself or we escort you, it s your choice.Two small aura snakes moved and knocked the two monsters away.
The broken characters emitted golden light and moved forward, hitting the black smoke and creating a gap in the black smoke.Checked the medicine cauldron. There was no doubt that the first batch of pills exploded.
If he saw it, I am different from you idiot. It s a pity that the national treasure didn t feel the little white fox showing off at all.That s it, I won t bother you to continue worrying about my son.
However, during the fighting, there were more and more corpses around the fifth prince, but the corpse soldiers in front of them did not decrease at all.But right now, slaying demons and slaying demons Weight Loss Diet: 7 American Working Moms’ Journey to Health and Fitness
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Although it is not well known on the streets, it is not too different.No problem, no problem. The dead ghost immediately laughed and said, Master Gu, don t worry, I ll do the work That s it.
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This is King Gou s top level understanding. Su Ye thought as he opened the window and looked at the sky.Cut a hole Isn t that a leak However, it at least meets Su Ye s needs to a certain extent.
Huahua, can t you save people some peace of mind Su Ye stepped forward helplessly, What is in Sleep Gummies: A Comprehensive Guide (uvmut)
took off the broken bowl on the national treasure s head, then picked up the linen cloth on the side, dipped it in some water, and wiped the national treasure s body
As Su Ye wiped it, the national treasure twisted his body comfortably, with a satisfied look on his face.
Su Ye couldn t help but walk forward looking for the sound.Su Ye smiled and stepped forward to touch the national treasure s head, but did not enter the room.
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So, the highest priced batch of Rongbaozhai s ordinary spiritual crystals were purchased by the clan.
Hey, Boss Lin is here At this time, Ye Hui shouted from not far away.
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Xingchou about to give birth to a baby Xingchou has been protected by the nine headed dragon for these years, and they have hardly seen each other.Together with the Jianxiao puppet, they slashed the blood knife.
He has been chasing Qingnangzi. I feel like I didn t do it at the beginning.It s a pity that the cultivation level of those spider girls is not high.
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The Divine Infant is at the top, the Nascent Soul is at the bottom, and the Five Elements Lotus Platform leads the five spiritual weapons in the middle.Seeing Fang Mingxin s powerful hammer about to hit him, Fang Mingli also swung the Spring and Autumn Sword, his whole body aura surged, but Understanding the Benefits of CBD Blue Gummies: A Comprehensive Guide
Jiang Yuebai held her back and didn t let go.
The power of the Thunder Talisman continued for several breaths, making the thunder light continue to shine and making it difficult for the sea water to refill.Tian Nanxing glanced at Shen Huaixi in the distance, his eyes flashed slightly, and he turned away.
He found a few wild beasts and drove them away fiercely
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Jiang Yuebai who had successfully formed a pill.
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Tiannanxing s speed instantly increased to the extreme, and he ran directly past Li Jiuchuan and fled into the distance.If he goes against it, he will be swallowed up and achieve success for others Qingnangzi was horrified, and his whole body surged with power, turning into a sea of blood that enveloped the entire Siyu Mountain.
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The fragmentation speed of the stone pillars was greatly slowed down, and some places slowly began to recover.Half a year ago, I sacrificed myself to defeat the ghost cultivator from the sea of corpses, and the key obtained from the Fengyun Society was used to finally step into the Ice Demon Heritage Cemetery.
The white vines under Jiang Yuebai s feet were faster, flying out like lightning to strangle the blood vines, pulling them out from under the ice and frantically absorbing the plant essence in the blood vines.The essence of the Five Elements spread throughout the body.
Jiang Yue s white hair was blown away. Under the pressure of the dragon s power, she acted like a living horse doctor and risked her life.
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burly men. Qin Feng noticed them immediately and could tell that they were warriors.The two people stood facing each other. The young leader from before was a little nervous when he saw this Second, Second Master, just leave this little thing to the younger ones.
Well, you just understand. Qin Feng nodded You sit in the car, I ll go down and see what s going on.He Biolyfe CBD Gummies Reviews: College Students’ Perspective on Anxiety Relief
just thought that since this waiter was also a victim and had never taken any action from beginning to end, the Ye family would not have reached this point.
If Qin Feng hadn t been so popular tonight and felt it was too annoying, he wouldn t have thought of using the poison.If she just married an ordinary poor boy, how could a seriously injured person appear and send him to the Qin family Whether it was him or Ye Zhenzhen, what happened on that rainy night is worth pondering.
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words Hidden World Sect represent the strongest and pinnacle of the Dragon Kingdom s martial arts She When she said this, her pretty face turned slightly red, and her eyes were filled with uncontrollable pride.Qin Feng curled his lips indifferently Don t worry, I ll be responsible for anything that happens.
He stood at the front with his hands behind his hands, staring coldly at Zhang Quyang and others.That s good. I believe that with Mr. Chu s skills, not just anyone can hurt him if he is on guard.
Both sides are today s hosts, so Mrs. Dai s assistant naturally wants to give this face.It proves that secular martial arts is indeed vulgar and too utilitarian.
Because he not only holds a pivotal position in martial arts, but also has an extraordinary status in the world.Fan Bangyan s eyes suddenly turned cold when he heard this.
So Qin Feng simply complied with their wishes and accepted the gift happily Then I ll be disrespectful.But
I did find out something. It s different. Wei Jiaxin smiled and said as if he was taking credit I have a friend from Shanghai, and their family happens to be neighbors of the Tang family in the past, and they have a good relationship.
Many people opened their mouths unconsciously and their eyes almost bulged out.However, there are mostly juniors and people with less noble status in the outer court, such as sect VIPs and the like.
As for armed cooperation, it is even more pitiful. Not only are the material resources provided to them poor, but even firearms and other things will only provide the most basic ones, with no heavy weapons at all.Qin Feng stood up As for Longdu, I won t leave. I still have my own money here.
Zhang Quyang has just recovered from a serious illness.Although his IQ is not high, he seems to understand that if it weren t for Qin Feng, he would have returned to the life of not having enough to eat.
Ye Huang subconsciously shouted Be careful At the same time, she had already taken action to stop Qin Feng.With An Jiuxiao s examination, it can be confirmed that this young man s current appearance is definitely not fake.
Anyway, when we bought this piece of land, it was not expensive.As for the deputy palace master and the others, they all dare not make mistakes.
Beina grabbed Dou Yi and sneered at the corner of her mouth Let s go back first.And I let you go, not because I m afraid of your and Qiu Qiming s identities.
Por Alejandro Saracho, experto en finanzas personales; autor del libro Reconfiguración financiera.