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.
El arco eléctrico es uno de los fenómenos más peligrosos que pueden presentarse en los sistemas eléctricos de potencia. Los daños producidos pueden ser muy graves y dado que éste surge en cuestión de segundos, para un operador es prácticamente imposible ponerse a salvo al originarse.
Nómada por naturaleza, el ser humano ha encontrado en los viajes una manera de saciar su curiosidad por conocer el mundo, lo que ha generado una próspera industria.
El año pasado, 50% de las empresas de servicios financieros dijeron que les preocupaba volverse obsoletas dentro de 3-5 años (5% más que el promedio mundial).
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She folded the envelope and put it in a book she seldom read.Xu Qi an patted her head.En Xu Lingyin pecked her head in fear and yearning.
Thank you Guoshi Xu Qi an took the porcelain vase and bowed to thank him.It is true that I should learn other unique skills to make up for my own shortcomings.
A few old men impeached you in front of His Majesty just now.The servant girl nodded I heard from the guests playing tea circle that it was made by the princes and princesses during the wine order, but I don t know which prince has such talent for poetry.
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hey Perfect.At this time, a few wisps of green smoke came back gracefully, whispered in Li Miaozhen s ear for a moment, and then slipped back into the kit.The chivalrous and courageous Feiyan heroine most admires the hero of the rivers and lakes who draws his sword when he sees the injustice.
He should be Uncle Ping Yuan s son, just rush in.Xu Qi an suggested.Disgusting.A silver gong said in a disgusted tone.
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To their surprise, Wei Yuan stopped entangled in the matter of the Beijing inspection and kept silent.The difficulty is only less than letting me become the emperor, and if you are involved in the grievances and grievances of the Buddhist sect, I might as well usurp the throne by myself.
I thought I would see the snow again until the end of the year.Can t handle you, can t you also handle your daughter People who play politics, what methods can t do it This possibility is extremely high.
Looking at it, Chu Caiwei opened her eyes wide, swallowing tons of saliva.Seeing that banditry was rampant in Yunzhou and the people were in dire straits, she immediately recruited soldiers, established a private army, and started a tireless journey to suppress bandits.
Jiang Lvzhong raised his eyebrows when he heard the ghost watching.After I learned from secret channels that the imperial court sent the governor to Yunzhou to investigate Yang Chuannan, I arranged ghost surveillance around him.
The sun is gradually moving westward, and the evening sun is orange red, shining on the clouds in the west like burning.What awaited them, what awaited him, would be another brainstorm.
Xu Qi an quickly arranged his room.His original small courtyard was almost undecorated, and there were not many things to decorate.Heng Hui s enlightenment was completed when his senior brother Heng Yuan sat down.
The master s intelligence is unparalleled in the world.Heng Yuan clasped his hands together and saluted, Then sat down.
Staying in the capital, staying in the Dangren Yamen, whether it is resources or living environment, is much, much better than wandering around the world.At this moment, everyone couldn t help feeling that people s hearts are really complicated.
Emperor Yuan Jing s face was serious, and he stared condescendingly Zhou Chixiong, who ordered you to collude with the demon clan and smuggle gunpowder It was Zhang Shen who was staring at Xu Qi an s side, and said gently Mr.Pfft.Xu Qi an poked her chest with a finger, like pricking a piece of paper.
On the way back to the station on horseback, Governor Zhang praised Xu Qi an vigorously, You know people s hearts very well.Perhaps they knew that the governor came back from his inspection, so they came here to thank him.
Wang Shuqiu comforted Zhao Xinfang, then turned around and asked unceremoniously, Don t talk about what you have and what you don t have.Liang Lihai s father also heard the sound, and hurriedly lay down in front of him, shouting in a low voice, Mom.
If it didn t work, just ask him to memorize the book again.That s good, you should pay attention to such a capable and responsible young man.
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There are just a bunch of old farmers in the audience who can t read three characters.If it is convenient, go to the health center for a review with me every week.
Call me if you want anything. Don t be reluctant to spend money.I hope she can say something useful this time. Auntie, when did you find out that the child is like this The child s grandmother is still shaking and speaking.
After coming out of the dean s office, he went downstairs and saw Wang Zhenzhen in the registration room watching a TV show.The patient said that his condition has worsened since this morning.
Liang Limin rushed into the house and shouted, Baby, please get me some money quickly.When she heard the news, she breathed a sigh of relief and said lightly, Shame It seemed that she still knew what might happen.
Just now. At first, things were a little better during the day in the morning, but my legs started to swell at night.Du Heng straightened his clothes, turned around and walked into the office.
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Dugu Huai just nodded lightly, and then walked towards Tan Su with his hands behind his back.After speaking, Qin Su went down another step, standing on the upper step of Yu Liao, and continued Ever since he, Gu Jia, took the position of Demon Venerable, to this day, does Master feel that there is still no blood on his hands Yu Liao felt a little puzzled by his sudden aggressiveness.
She didn t know much after waking up.After waking up, she was facing the immortal Taoist who went up Improving Sleep Quality Fmxw2x With Mood Gummies For Sleep A Comprehensive Guide Fmfmq Xicd to Wugou Mountain and told her that this master, after Tan Su sealed the Demon Lord, became a fairy and then fell into a demon.As Yu Liao expected, Qin Su and Gu Jia stood on opposite sides of the competition stage again.
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Hmm, something like this is unworthy.She got up and took a few steps outside the house.When Tan Su was surprised and wanted to deepen the kiss, Yu Liao quickly avoided it, buried her face directly in his chest, and said softly No, A Su, next time.
Not to mention ordinary women, but all kinds of fairies in Xiuxian Daomen, as long as he is a little more enthusiastic about them, these so called fairies are nothing more than that.Qin Su put the long sword in his hand back into the scabbard, then cupped his hands and bowed to her Thank you for the name, Master, and he will call Suqing from now on.
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He lost the sense of composure he had at the beginning, and called out Master with a bit of grievance in his voice.With a flip of the fan in his hand, the soil that had just been covered by Tan Su was instantly overturned.
Qin Su also noticed something was wrong below, the master and apprentice looked at each other, then quickly went down and directly entered the yard from above.
Por Alejandro Saracho, experto en finanzas personales; autor del libro Reconfiguración financiera.