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.
Para garantizar la seguridad adecuada, todos los dispositivos requerirán una protección sólida equitativa, incluidos los dispositivos personales que interactuan con múltiples redes.
Descubre cómo tu empresa puede beneficiarse de un ecosistema logístico integrado y supera los desafíos de la #cadenadesuministro de manera eficiente y efectiva. Aprovecha el poder de una plataforma digital para mejorar tu logística y cumplir con las crecientes expectativas de los clientes.
Un solo negocio puede tener diferentes buyer personas; esto quiere decir que el mensaje tendrá que irse adaptando al perfil y necesidades de cada comprador.
Previously, the fire cloud god Lord, the dignified god forming ancestor, took three breaths He didn t even hold on and was killed The storage bag was also obtained by Lu Yu.The spiritual power was as deep as the sea and was extremely abundant Even ordinary cultivators at the peak of the Divine Transformation stage may not have as much spiritual power as Lu Yu And within the Aoki Boundary Pearl.
The Five Elements Luo Yan Bu passed down from Luo Wenxing s family explodes so fast that it can travel thousands of miles in a breath, and even the Taoist Lord of Lianxu cannot catch up with him.It had a big secret. How could he tell outsiders It s just that this guy can t afford to offend him, his life is still in his hands.
And the Ziji Immortal Emperor Lu Yu practices super grade skills.Is this Jindan level casual cultivator crazy Haha, does he think he has the ability to break the formation restrictions of the Scarlet Flame Pavilion Hmph That s so arrogant.
Of course, she misunderstood. Now I met the stupid boy who was deceived yesterday, and it turned out that he came in groups, including six foundation building immortal cultivators.Instead, he looked at Feng Yao Yunyun and others, and said in Relax with Ease: Unlock the Power of Relax Full Spectrum CBD Gummy Bears - 500mg for a Stress-Free L
a deep voice Before I leave, I will do one more thing What Hearing Lu Yu s words, Yunyun, Feng Yao, Feng Zhang and others were all puzzled.
His cultivation level at the Golden Core stage was not something he accumulated by taking drugs and pouring resources.However, when the time comes, he will face a strong one among the Lianxu Exploring the Truth: Does ACV Gummies Help with Weight Loss?
Dao Lords, and even a powerful Hedao master.
The sister next to her, Princess Lu Yi, looked at Lu Ziji Zion Williamson Weight Loss: 4 Workout Secrets for Lasting Results
and straightened her eyes slightly.Elder Qing, that person is Lu Ziji What Lu Ziji When Fairy Mi finished speaking, Hu Yao and other disciples in the interrogation room were all dumbfounded and horrified There were thick beads of sweat on his forehead, as if a faucet had been turned on, and it was flowing down How could they not know Lu Ziji s name During this period of time, it has completely caused a sensation in the entire Cangshan Star Cultivation World At the Baijiang Conference, he became famous in one fell swoop He successively killed Gong Haobo, Zhou Tianchou and other talented disciples.
Now, combined with the fact that he had deceived them before and gave wrong directions, I am afraid they really don t believe that the ancient demons have arrived Sure enough, after Zhenhai Daojun s words, everyone looked at Lu Yu with extremely unkind eyes.Even if he is only at the peak of the Foundation Establishment Stage now, having crossed two great realms, it is not difficult to defeat the peak of the Nascent Soul Stage.
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can also guess who it is Lu Yu s eyes were like two purple gold lotus flowers, shining brightly and dimly.
Instead, he looked at Zhao Xiong and the others as if they were dead You dare to threaten fellow Daoist Lu even when you are only at the Nascent Soul stage.It is really incredible Could it be that Lu Ziji Downtown Partnership gather input from public on growth
is really the same as Yuan Qing said A person in the devil s way
Just as many immortal cultivators were talking about it, one of the immortal cultivators looked at the equally incredible Young Master of Jingshui City, Shao Zhengqing, and suddenly said This Lu Yu and Lu Ziji seem to be He Jing.
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the Colorful Moon Orchid will still return to the hands of Luoyue Palace.I m afraid something might happen to you Wu Lexin had always been very fond of this beautiful and gentle junior sister, so he took the initiative to come here this time.
A glass of wine and a cup of tea are enough He Yan er also woke up and looked at Lu Yu with Finding the Best Gummies CBD Only No THC: A Comprehensive Guide to High-Quality Products (cujFh)
complicated eyes.That blow, which seemed to have stopped time and space and contained the power of great destruction and terror, was the most terrifying blow she had ever seen in her life She couldn t imagine anything that could withstand it.
If they didn t search carefully, how could they find the Liu Yan Magic Bead However, time passed by minute by minute, and after a long time of tossing and turning, there was no trace of the Liu Yan Magic Bead.You want to rob Scarlet Flame Pavilion and Liu Yan Magic Pearl This is all you need There was a touch of amusement and contempt on the corner of Lu Yu s mouth, and his Enjoy Hemp Delta 8 Gummies in Canada: 5 Best Fat Burner Pills for Weight Loss in 2025
eyes swept over Lian Peng and others.
Okay, okay, just go Lu Yu said slowly, amused in his heart.Master Brother and sister Zhuang Yu and Zhuang Ling er also became happy.
No
Damn it
When the Immortal Gu God and the Changbai Mountain Snake Dragon Ancestor felt the power of the Nirvana Fire, their expressions immediately changed and they tried their best to resist it.At this moment, Lu Yu suddenly raised his eyes and sneered Here we go again
The next moment, boom The corridor in front of me seemed to have turned into an Schiff Digestive Advantage Probiotic Gummies: A Promising Solution for Weight Loss SupportDr. Oz’s Proven Strategies: Kelly Clarkson’s Inspirational Weight Loss Journey of 2025
endless inferno Countless sky burning flames, densely packed and overwhelming, came towards Lu Yu and the four of them
These sky burning flames were so powerful that they could burn mountains and boil seas.
I heard that Nascent Soul There are dozens to hundreds of immortal cultivators at this stage, and there are even strong men above the legendary Nascent Soul Stage With Lu Ziji, if we fight against them, we will only die The other remaining strong men from Tianmen All of them nodded.Except for the people in Luoyue Palace, no one else should know about Bai Xixi s life Suddenly, Fairy Mi thought of an extremely terrifying possibility, something far more frightening than Lu Ziji s killing of Tianwai Sect s young master 2025’s Prime Choice: Prime CBD Gummies for ED Reviews and Insights
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Of course, he knew a little about the demons. The Benefits of Sugar Free CBD Gummies 1000mg: A Comprehensive Guide (aAWwV)
He even killed a demon emperor.Under such circumstances, how could they not covet him Maybe, Lu Ziji has the opportunity for them to break through to the divine transformation stage.
However, I m afraid there will be some injuries. After all, the two most powerful men at the peak of the Martial Gods burned their life souls and struck with all their strength.
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Brother Hu replied to the message.Why are you thinking so much Ren Fei er doesn t care about this sea beast corpse Li Shiming thought of Ren Fei er with tears in his eyes and said to himself with a smile.
Li Yuanba summoned Ten Thousand Swords Peak. Yun Xiao looked at Ten Thousand Swords Peak with some curiosity.Within the Ten Thousand Beasts Sect, whether they have the idea of killing the Red Gold Phoenix because they don t want the Red Gold Phoenix Just CBD Pineapple Express Review: A Comprehensive Analysis (hBcXM)
to suppress their spiritual pets, or they want to plunder the bloodline of the Red Gold Phoenix to improve the bloodline of their own spiritual pets, there are sects that Monks will take desperate risks.
Box, but looked at Old Ancestor Lou and said. Ancestor Lou is not the two Yuan Ying ancestors of Qianhuan Sect.Sect Leader Yu cannot say whether Peak Master Zhao s behavior is right or wrong.
So when Li Yuanba mastered the Broken Xu Sword Intent , he also mastered the Broken Xu Sword Intent.The main reason was that he knew that Li Shiming had not been promoted to the Nascent Soul stage for a long time.
There are no other spiritual beasts in sight, which allows the drone to take off safely.It is a treasure. Li Yuanba knelt behind the Jian Ancestor and respectfully saluted the Sword Intent Climbing to the Sky scroll.
Among the top leaders of the six major sects in the Beishu continent, no one knows that Li Shiming has many silver corpses, and the core of the golden corpse is of greatest importance to Li Shiming.The sword intention within the sword. Ten thousand flying swords flew out under the leadership of five Liuguang Xingyun.
Venerable Huijing was brought with him so that when he was in the most dangerous situation, Venerable Huijing would be there to give him a chance to escape.Its strong defense blocked part of the attack, but it was still hit by the blow and Comprehensive CBD THC Tincture Review: A Detailed Analysis of the Best Products (mmfVd)
flew into the air and fell back.
Think of a sword cultivator who moves like a flicker.
Well, I We are about to entertain a senior brother and his more than 20 handyman disciples.It s not that I can t take action, but my body is fragile and cannot be injured, otherwise it Do CBD Gummies Have THC? Understanding the Difference and Effects
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Who is this She kills people and burns corpses. She is so experienced in handling the scene, and looking at how relaxed she was from the beginning to the end, why does it feel like she still has a lot of cards to play Li Shenzhi hugged himself tightly in fear.Now I just feel that I have lived in a dog s belly at this age.
In the drizzle, the fish pond was glowing with rainbow light, and flocks of golden pheasants were rummaging for insects in the spiritual field.Seizing a person s home is against the laws of heaven.
Rushed towards Jiang Yuebai. The light on the cold jade pod around Jiang Yuebai s waist flashed, and the ice needles flew.Tao Feng Nian Even if you die, I, Jia Xiuchun, want the life you care about to be worse than death Jiang Yuebai, the handyman, there is an order from the Internal Affairs Hall to transfer you to Elder CBD Relief Stick Review: A Comprehensive Guide to Pain Relief (kNIlC)
Lin Xiangtian of Hedan Hall today.
I can pursue it boldly and accept failure boldly. My grandfather told me, follow your heart, no matter what the result, be calm Just accept it.Senior Sister Jiang, please spare your life. Get out If the sect master had not considered her before mentioning her as an inner disciple, if she had been arrogant and unruly and used her status to avenge herself, he would have died right now.
If Tao Fengnian had not allowed her to take the elixir, she would have wanted to try the Qi nourishing elixir, which was said to speed up her performance and absorb more spiritual energy.Jiang Yuebai put Liberty CBD Gummy Bears: Benefits, Effectiveness, and Reviews
away the white jade xun and sent two shadow wolf puppets, which cost her tens of thousands of spirit stones, to go deep into the dense forest to guard them.
They float in mid air, gathering like a dazzling galaxy, and scattered like a school of fish.Fang Mingyi s expression turned stern, How outrageous You actually treated me, the direct Flower Child CBD Reviews: A Comprehensive Analysis of the Product's Efficacy and Reliability (iPXKB)
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Before he could finish his words, the sword energy gathered into the sky and fired wildly.
Is it possible that Wuxia is really so defensive It s impossible, impossible, the world of Wuxia cannot tolerate it.A strange girl who looked to be fourteen or fifteen years old suddenly fell down in front of everyone.
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the entire land of Cang Yan instantly bright as day.Jiang Yuebai was placed at the end of the team. Zhong Shanhu and Yu Tianlie were not familiar with each other before.
Zhao Fuyi twitched his little finger. The clerk finished the calculation quickly and reported a number to Zhao Fuyi.The two of them opened their eyes in shock, separated and dodged, finally avoiding the unpreventable attack of Big and Little Crescent Moon.
Wen Miao looked solemn and slowly took out her hand, The power of heaven is unpredictable.He must have recognized her just now. Jiang Yuebai sneered in her heart when she thought of the lip syncing Mo Baichun made to her when she was unconscious.
I m worried that you will be bullied and looked down upon, but you don t consider me a friend at all When I was teaching you, did you hold back your energy and watch my class do tricks, secretly laughing at me Jiang Yuebai was not to be outdone, I m hiding something, But I have never laughed at you.
Shi Xiaowu, did you come to the restaurant to get swill Hearing the sound, Zheng Li turned to look over again.Qionglin Tiger glanced at the pond in the distance, opened his mouth to suck away the two gourds of spirit wine, and left proudly.
Came from outside. Lu Nanzhi didn t know why he was so crazy.By the way, do you want to move from Huaxi Valley The flying nuclear boat slowly rose, and Jiang Yuebai looked at the peaks of Tianyan Sect, wondering which peak would become the home of their master and disciple.
These days, she has been bullying the lantern monster.Yun Shang landed heavily, and the bald giant ape who had been protecting her whimpered and turned back into a little monkey.
She is also stubborn and wants to be strong. I sent her a message and did not reply, for fear that she would act impulsively.She didn t know the specific meaning or pronunciation.
Mo Baichun was watching there, while Jiang Yuebai suppressed curiosity and pretended not to care.What s the point of pulling your own hair When all the hair is pulled out and you can t fly, then you are really useless.
She was happy for Jiang Yuebai, and she also had a desire to win.If you If you can succeed in six days, it s okay for me to keep you.
I saw her playing with wooden blocks in front of the stall opposite and the wooden sign on the stall, and I suddenly became anxious.But Jiang Yuebai lost her voice, bit her lip and trembled all over.
The two of them looked pale and frightened when they saw the miserable state of their fellow racers under the ring.Xiaobai, what are you doing When Jiang Yuebai heard the sound, she turned around and saw Lu Ying standing pretty at the door of her courtyard, carrying a wooden bucket and getting ready to fetch water from the stream.
If the aftermath of the fight damages the new clothes I bought with my 30th grade spirit stone, I ll lose more than I gain.Three monks in the late stage of foundation building came galloping over.
That is the high ground that the sect and the aristocratic family are fighting for, the place where they fight to the death.Gather the clouds and turn them into rain In the gentle breeze, the rice waves swelled, and the color of deep yellow was far and near, deep and shallow.
Ah Sister Hua With a scream, Hua Yingshi was dragged into the thick fog, and there was no trace or sound again.She has committed many evil deeds and it is not a pity to die.
Por Alejandro Saracho, experto en finanzas personales; autor del libro Reconfiguración financiera.