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.
La tecnología será limpia en la medida en que lo sea la fuente de electricidad. Para reducir realmente a cero el nivel de emisiones, los vehículos eléctricos deben funcionar con energías renovables.
La donación de Bayer fue el primer cargamento recibido en almacenamiento seguro en la Ciudad de México donado por Kuehne + Nagel International, que servirá como centro principal de logística para Direct Relief México.
These geniuses who stood out in the fire control competition have all demonstrated their magical powers.Although Zhenjun Bengshan didn t know what kind of medicine was sold in Lanyuanzhou s gourd, he could guess a little bit from Min Haoyan s anxious look and Lanyuanzhou s Finding Calm With Lazarus Naturals Cbd Calm Gummies A Comprehensive Review Znkat 170 calm demeanor.
Balk s move was ruthless enough.As the first place in the last illusion exchange meeting, Allen is estimated to not even be able to enter the top 641 Diy Delights Marijuana Gummies Recipes For Home Chefs 50.Instead, the colorful haze dragon sword absorbed most of the power of thunder calamity and began to undergo its first transformation.
Alan came to the elder on duty to report on a day s work.If it wasn t for the battle just now, no one would have paid attention to Shao Nan at all.
For so many years, Yan Jianbai has indeed encountered some low key disciples, and he uses this excuse to explain his identity.With so many members of the Bibo Huanyue Clan, at least one to two hundred thousand, Shao Nan is such a mastermind, that he directly attacked the hundreds of thousands of Bibo Huanyue Clan.
Old soul eater, do you really want to kill our Shenmeng restaurant Chai Jingming stared at the shriveled old man with fire in his eyes.Hey The two senior sisters are working so hard, but it hasn t changed much about the crisis of the sect.
Avoid everywhere.Even if the current Dao Natural Sect is called the number one sect in our area, there is no problem at all.Originally, the two of Shao Nan were only two days away from Jiuli Mountain, but now with the help of Zihuang, they arrived within the range of Jiuli Mountain Managing Type 5388 Diabetes With Type Diabetes Gummies A Comprehensive Guide Wnlxb in less than half a day.
I think you are so young, and your strength is not bad.When will I be the boss I feel like I smell like chrysanthemums.
The Sacred Fire Glazed Tile Sect lets Lan Yin leave the sect, and then these disciples who return to the Void can chase and kill Lan Yin.This is what Shao Nan firmly believes.Having figured out the key point, Shao Nan stopped hesitating, showed his figure, and walked towards Gu Yueyou and the others.
After reaching the second level of illusion, Shao Nan finally dared to walk out of Alan s room.Perhaps this is the legendary strict teacher produces excellent apprentices.
Shao Nan finally understood that it wasn t that he had a problem with his spiritual root, but that he really didn t have the talent for alchemy.It can even be said that Lan Yin s life was exchanged for the lives of most people.
Only Zhenjun Yuanying is the strongest monk among the active monks in the Colorful Continent.In total, Shao Nan spent seventeen years practicing 13,762 kinds of swordsmanship.
Xiaocao er seemed to like the feeling of tossing Shao Nan very much.At that time, it will definitely attract the attention of it , and with your strength, if you want to continue to hide, you should not Is it too easy Nine Li Does Cbd Gummies Help Sexually Benefits Effects And Reviews 27672 Sword Master s voice was still so comfortable and confident, without any panic.
I also found the Silver Demon Fruit and Xuanyanlei, and even got the Magic Color Sand by accident.Shao Nan did not appear in the returning team, but Qingyao Shinichi did not look for Shaonan, because Shaonan still had Qingyao Shinichi s jade pendant in his hand.
That s right.The fire control technique you learned with me is probably a little better than mine.Because the trapped formation that was fragmented just now suddenly returned to its strongest state.
Since entering the cave, Shao Nan has been paying attention to the possible arrangements of the Bibo Huanyue Clan.
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She, Zhao Ruyue, will never lower her self worth like this.He would rather kill a thousand by mistake than let one go.
It was Wu Cuihua who was jealous and narrow minded, and exchanged his dead daughter for Yunyun, causing Yunyun to live in dire straits for sixteen years.Ruyue, try to see as many things as you have, so that you won t feel uncomfortable.
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Seeing that the map was filled with small flags, Chu Han clapped his hands, picked up the folding fan and opened it to fan the wind lightly.In the original story, the superficial peace of the world did not last long.
Chu Han smiled, continued to make little rabbit lanterns, and said after a while The prince of a country has secretly hidden the emperor s favorite concubine.Zhu Mg Cbd Gummy Bears Benefits Side Effects 18105 And Reviews Qi and Zhi er were wearing heavy soldier uniforms and running in the ranks panting, they were crying bitterly.
After picking it up, he picked it up and went out of the yard.Chu Han refilled his wine.Sun Hu was flattered by the praise, and had another drink with him.
He just borrowed their spiritual power and did not fuse their inner alchemy, so he can return the inner alchemy to them at this moment intact.Chu Han smiled, How could I dislike you I will love and protect you, and treat you like a treasure.
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Looking out from the peephole, she saw Zhao Xueer standing outside dressed like that.
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He had seen the situation when Du Heng met with the leaders of his school the day before yesterday, and he could see Du Heng s reluctance from the bottom of his heart.Fortunately, he was not the first to take the stage, so there was still a little Earth Essence Cbd Gummies 98 Ingredients buffer.
It uses red hot needles to pierce the patient s affected area and drain the pus.Du Heng nodded gently while eating, but then he suddenly changed his tone and asked, How did you meet Tingting Song Guangjiong said quickly, My family She is also from Jinzhou, Ting the year before last.
When Du He entered the school, we met when we held a hometown reunion.
Seeing Du Heng s attitude of turning his back, Director Shi said quickly , Professor Du, don t worry, just listen to our reasons.Instead, he took the packaged external washing herbs and the decoction and left early.
After running around for a day, there was not a single crumb left of the bread I had for lunch.Since he chose to believe it, the first thing to do was to discuss it with Wu Shengnan and listen to Wu Shengnan s thoughts on it.
Problem. Director Wang was a little surprised. He couldn t understand why Director Du, who was famous all over the hospital, was so nervous.Again After swallowing hard, Dr. Xiaobai felt much more comfortable and began to answer.
This time, no one answered the call. But there should be someone answering the work phone, just.
Du Heng thought about it and decided to forget it.Went to the toilet Du Heng United Farms Cbd Gummies Website 627 and others waited aside honestly, but Lao You probably felt very uncomfortable after being criticized by Lou Guozhang just now.
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You guys start. Du Heng smiled and said, Thank you, Teacher Luo.If something happened to Dr. Ling Shuwen, Deputy Director Huang would probably feel uncomfortable, so he should have a black face and be angry.
Another prescription, composed of astragalus, poria, pinellia and other herbs, is also focused on attack, but it is mainly targeted at patients with poor physical fitness.Really Song Guangjiong subconsciously rubbed his eyes, and then said with a sigh, Didn t I sign up for a class a few days ago I have to do an internship during the day and have classes at night.
Zhang Shiping shook his head slightly, and then said in a low voice, My brother s words are now a golden rule here, and I will definitely listen to them.What makes all medical practitioners even more stunned is that the corresponding author of all articles published in this issue of these fifteen core journals is one person Du Heng.
Ling came forward to shake hands enthusiastically and apologized sincerely.
When Du Heng looked at the energetic Dr. Ling Shuwen with his slicked back hair and bright forehead, he felt very good at first.With Dr. Xiaobai s stimulation, everyone else in the oncology project team was jealous and felt pressure at the same time.
Yes, we must correct them mercilessly. After saying this, the serious look Understanding The Side Effects Of Weed Gummies For Sleep A Comprehensive Guide 7889 Lvtuq on Du Heng s face slowly disappeared, and he turned to say in a relaxed tone, In the past few days in the capital, considering your actual situation, Because of the situation, I only let you eat two cloves of garlic per meal.
So even if there are two confidentiality agreements and patents, Backing up, secret recipe holders will also have doubts.It s the end of the year again, and there are all kinds of meetings gathered together, and new projects have to be approved and funded.
Hello, hello, I m Du Heng. I came to the mountain a few days ago to call Director Qi.In today s scene, he already had some thoughts of resisting the Miao doctors.
However, the children born in this town are indeed far better than their peers outside in terms of their foundation, temperament, and opportunities.The sword cultivator only has a sharpening stone the size of his thumb, which he values more than his wealth and life.
The old man asked the young man to speak and slowed down a bit, allowing the woman to The Regen Effect 65 Cbd Gummies Reviews For Ed capture this detail.Behind Chen Pingan and Li Baoping, the father and daughter walked slowly side by side, and the girl Zhu Lu was somewhat disapproving and said with a sneer Dragon King yawned and breathed in a river.
The soil properties can be divided into many types, including light and heavy, fertile and barren. What is even more complicated is that you need to identify a certain type of soil, and which type of water, fire, metal, and wood is naturally close to it.The more Chen Pingan looked at it, the more he felt something was wrong. In broad daylight, the stream actually gave people a gloomy look.
Win sixty years of time to hide the secret of heaven. Those big monsters on the surface of the Tiefu River who had turned into human forms and stabilized their souls retreated hastily for some reason.Suddenly they lose all their support. The family that occupies a certain cave heaven and paradise, the Tongxuan cultivation that can move mountains and seas, control the wind and soar, subjugate demons and monsters.
Lin Shouyi was the calmest one, with expectation hidden in his eyes. Zhu Lu looked at her father s back. She was actually more worried than Li Huai.Chen Pingan nodded and said Since I opened the door at that time, I must be responsible to the end. The young Taoist stood next to the cart, put his fingers together, and quietly wiped the long white sheath sword that was pressed into the two word sword spirit by the Confucian scholar Qi Jingchun.
But the child s mother is not such a woman, so whose will is this girl following The man patted his daughter on the shoulder and said softly Dad, go see someone.Sister, can you help me Huh The woman raised her eyebrows and said with a sneer, I m afraid I might accidentally suffocate you to death.
Firstly, Miss Ning had told herself how powerful Master Ruan was, and secondly, the man in front of her did not give Chen Pingan the feeling of a gloomy city.The strong young man, who was two years older than him, quickly threw Chen Pingan away, tiptoed to touch Chen Pingan s wooden bed, and cut his ear off.
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You kids, if you don t leave here quickly, are you going to follow us old and broken porcelain and wait for death You know, the death penalty is big or small.It was this man who led a group of gangsters to block Liu Xianyang in this alley and almost beat him to death.
Do you understand Chen Pingan nodded. Song Jixin s posture was inelegant, sitting cross legged on a chair and gently tapping his knees with a folding fan.Ruan Qiong stood up and laughed at himself If I had known better, I shouldn t have agreed to lend you to Ying.
Chen Ping an He smiled at her, passed her by at a trot, and then ran faster and faster. Zhi Gui an stood quietly at the entrance of the Mud Bottle Alley, turning his head to look at the shabby young man running in the sun, who looked Do Gummies Help You Sleep 659 A Comprehensive Guide To Better Rest Fbkgx like a Wild cats with tenacious vitality are wandering around.Chen Ping an sincerely admires this strange girl and does not bother her. He continues to run to the east of the town with a smile.
Ruan Qiong, instead of being so clingy and entangled with this guy all the time, I think you might as well end it with him completely.I know some things are just like this. There is no way. The young man has never read a book, so he doesn t know the meaning of that sentence.
The man shook his head, looked at them, and said with regret It turns out that they are not gentle people.Qi Jingchun was a little curious as to why the young man didn t kill him this time. A great opportunity was fleeting, but the consequences were endless.
Song Jixin grabbed it and walked into the yard. When he fell out, he never thought that the four legged snake, which had been thrown to pieces, became more and more frustrated.Chen Pingan gave her three as reward. Chen Pingan carefully looked at the locust leaves. They looked thin, but were actually quite tough. Unfortunately, they had lost the faint green light that flowed along the veins of the leaves.
Her face was obscured by tulle. She had a well proportioned figure, neither slender nor plump. She wore a long sword with a snow white scabbard and a green sword hanging on her waist.The old man seemed to be brewing a secret. did not speak in a hurry. After the rain stopped, the water in the courtyard gradually subsided, and the old woman s figure became increasingly blurred.
Although scholars from wealthy families are often ridiculed by warriors as sanctimonious and pretentious.In the other hand, the stone that should have fallen to the ground was lying in her white palm. Chen Pingan still held his head with both hands, looking pitiful.
The flying sword is just to let her live a little longer, and Five Cbd Sleep Gummies Review 33 Benefits Effectiveness And User Feedback it will not help. The young man hesitated and asked curiously Grandpa Wu is When did I realize that her control of flying swords was actually far less relaxed and comfortable than it seemed on the surface The old man said, Too much is too much, and her precocious wisdom let it slip.
Por Alejandro Saracho, experto en finanzas personales; autor del libro Reconfiguración financiera.