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.
Los entornos industriales presentan una serie de riesgos para los empleados, desde maquinaria pesada hasta materiales peligrosos y condiciones de trabajo extremas. En vista de
Diseñado para que sea sencillo e intuitivo para los clientes, Hitachi IoT Appliance ayuda a los usuarios a lograr rápidamente sus implementaciones de IoT.
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I, Qi Hua Xuan Sect, was originally an independent Taoist sect that passed on for a long time.They held the magic formula at the same time and seemed to be chanting sutras with their eyes closed.
What s even more rare is that this method can even be used several times at the same time in a short period of time.At this moment, he completely grasped the deeds and people of Ziwei World.
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Now that Huang Xiyin has achieved great success, everyone who has seen her methods is of course wary but people like Gui Wujiu and Qin Menglin, who are obviously very meticulous in their thoughts but are strong and sharp, will be even more difficult to deal with once they use strategies.It goes without saying that the future will be clouded by signs of chaos.
Gui Wugui escapes from Ziwei s heart, where his mind is, looking into the void.Thirteen people, moving extremely fast. Start forming formations immediately.
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Three days ago, there were a hundred Jindan Yuanying monks here, which was already a huge sight but in just three days, the number of people had increased tenfold.And the power from one to two, from two to three, is immediately transmitted to the entire thirty six gourds.
After about a hundred breaths, you re done. Qin Menglin said You can let him go.The five Yin Zong Tao Zun Mi, Yi Dao Zun, Zun Lu Dao Zun, Wu Hu Dao Zun and Xu Xian Dao Zun will naturally not be absent.
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A man from the left side said A very tall elder of the Lihe Realm, who had been keeping his eyes closed just now, suddenly opened his eyes and said loudly Not for a day or two.Its atmosphere is both quiet and strange, giving people an unfathomable feeling.
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When it comes to using the Corrosive Kung Fu of Dou Zhan, there are no more than these seventy two things in the world of Ziwei.In fact, when he was creating this clone, he had a premonition the clone that was formed during the Nascent Soul Realm was called the clone, and it was actually the same as the real body.
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But today I left and came back again, not because of it.
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When you taste the taste, you will eat it and you will never be able to do without me.The true origin comes from oneself, and spiritual power comes from the outside.
The water flow made Tian Qing er feel comfortable, but it was not because of the youthful beauty pill, but because of the water temperature.He exchanged a piece of spiritual stone for some gold coins, and then found a cheap inn to stay temporarily.
Hmph, no https://tannoorgrill.com/tips/what-sqc1n-do-cbd-gummies-do-for-males-enkt/ matter what the reason is, it is illegal to dare to kill people so brutally here.This is called wine Ye Fei sighed, the spiritual wine here is much better than on earth.
What Aren t you convinced Nan Yunran snorted coldly and took action without saying a word.If you can t control it, you have to control it. If it really doesn t work, I ll go find the law enforcement elder.
There were mass graves, with mountains of corpses, an extremely foul smell, and flies flying all over the place.horrible. Brother Ye, good job. Jiang Yulang stepped forward and smiled. He still underestimated Ye Fei s strength.
They are extremely powerful and form their own sect, with a status higher than some ordinary elders.Mr. Fei Ye, if you become a member of the union, you will naturally have many benefits.
This palm was extremely terrifying. With his palm as the center, it was like black ripples, spreading towards the red dragon
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As early as when Ye Feitian was in the realm, he could see inside, and now his body was like glass, clear and flawless, with an unobstructed view.Faced with the coming humiliation, tears fell from Xinglan s eyes.
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With blood stains on his face, he stood up and said seriously.Brother Ye, there is nothing unfair. I heard that this assessment portal automatically changes according to personal realm.
Aunt Li from the family called and said that my father suddenly felt a little tight in his chest and couldn t breathe.Ye Fei naturally didn t know what happened before Ziwei gained the territory.
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Monster At this moment, Qingyi and Tian Qing er were stunned, especially Tian Qing er, looking at the man with a body and a snake s tail, extremely unbelievable, his little face was solemn, and he murmured with a breath until now.No, don t come here, you devil, you
General Manager Wang was frightened by Ye Fei s terrifying methods.
His years of training are still short, but his talents are extremely high, such as Yu Lin from the Jade Girl Sect, Ma Junhao from the Yin Yang Sect, etc.You re welcome Ye Fei nodded lightly at this person, and seemed to be away from each other.
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Of course, if Ye Fei is Mo Xingyu s man The fifth prince said with a cold smile.None of us can afford to wait. We have paid too much for today.
And this time Ye Fei came in his true form without any hiding.Lao Wang said seriously. What a great idea. Did you just talk about the terrifying sword formation What sword formation Ye Fei couldn t help but feel something in his heart.
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There was a table not far away, and someone raised a glass to indicate from afar, smiling and looking friendly.Senior Sister Xinglan, why are we leaving in such a hurry Maybe it s not at this moment.
Otherwise, it wouldn t have the strength to come up with so much at once.The evil ghost in front of her killed her own sister, leaving only her consciousness sealed in an unknown place, allowing her to escape.
If Mr. Youyao hadn t given it to him The token has guidance on it.Ye Fei got it in an instant, and then faced the person who had been slapped away by him before.
It s just a half finished product. As for the true sun fire, it was in the disciple s body when he was very young.This Lao Tzu rode an ox to the west. He must have Here, therefore, loving the house and the cow, the cow has naturally become a sacred symbol.
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As long as they fight steadily, they will definitely win in the end.620 711 822
intensive three digit damage pops up. These players thought they were out of range and had no defense at all.
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Master The other party bent down to say hello. Both his demeanor and his tone of voice showed his attitude of surrender.The epic level is simply shameless and directly destroys the numerical balance.
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It can only be said that Zhao Hao s caution and experience saved the team
Little Marquis, please get up quickly, it s our turn to patrol.That is to say, the army is marching in the forest, and the golden dragon is far away from the army, otherwise it will be discovered by players in the sky.
Zhao Hao chose to take this route because of its incredible effectiveness on the battlefield.The King of War also used his ultimate move. Cut through the air The name of the move is not as cool as Amaterasu s Prison Shadow Killing Formation , but its power is above it.
If they did, they would become famous instantly. The second reason may be that major forces suppressed Xia Guo.
Por Alejandro Saracho, experto en finanzas personales; autor del libro Reconfiguración financiera.