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.
Tener la capacidad de saber exactamente cuánto de sus presupuestos de medios se destinan a gastos de trabajo es sello de confianza imprescindible para una larga y sólida relación de negocios.
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electromagnetic gun also completed charging at this time, and with the additional lightning, the electromagnetic gun fired at maximum power again.
It was naturally impossible for Li Shiming to leak this news.He had no fighting power, but he was still much better than Renxun Ancestor.
As for the reward for alchemy, he will not reach out, otherwise he will have a grudge with Li Shiming.He had already told Elder Su to inform him as soon as he had any news.
Besides, he is a golden elixir great elder, and he is a figure in the golden elixir stage, but in front of a mid to late Nascent Soul monk, he really means nothing.But the CBD Gummies for Male Arousal: Benefits, Ingredients, and Effects
female Yuan Ying Ancestor is willing to spend time changing her appearance so as to remain in the most youthful state.
All monks treat Senior Monk Qi as a master, which is the respect of Senior Monk Qi.It happened that Ancestor Ge invited Li Shiming to come over, and he flew to the mountain peak where Ancestor Ge was.
It s because Senior Brother s foundation is solid enough Li Shiming replied with a smile.After all, Tianxing Trading Company is a force that manages resources, and the number of secret techniques passed through the hands of Tianxing Trading Company is extremely large.
He can suppress Li Shiming with just one thought
When he was most desperate, he found a swordsman like Li Shiming, which made Yun Xingyi extremely happy.His heart sank. He did not expect that the sect would really treat him like this.
Therefore, the forty three golden elixir monks in this space cannot restore the obliterated souls even if they use the third grade top level healing elixir.These forces, each seeking what they wanted, colluded together, and quickly united
As expected, once he entered the Hou family, he was as deep as the sea, and there were so many people who wanted him dead.
He observed the storage bag he picked up. This storage bag looked different from ordinary storage bags.Thank you, Master Li The great elder s disciple thanked him seriously.
He wanted to fall in love with Zuo Ancestor, and after five years of training, he did feel a little impatient in his heart.Qin An is only 16 years old this year. He is Qin Hu s personal book boy.
Is it for the Cloud Stepping Order Li Shiming suddenly understood what the other party was doing.The characteristic of demonic cultivators is also very clear, that is, it is difficult to guard against all kinds of weird ambush methods, so the Buddhas might as well just wait and see.
Currently in the Shushan Sect, he hardly needs to consider safety issues, he only needs to do his best to improve his strength.Shizhen, this is the spiritual fruit I planted, I ll give it to you to try On the second day after Li Shiming moved into the garrison cave, Kang Yuan came to see Li Shiming with the spiritual fruit.
With a thought in his mind, he thought of a way to Best CBD Gummies for Hair Growth: Benefits, Science, and Reviews
find out Xu Chuan s identity.Originally, such traces could not be preserved, but after the dust here fell and formed the unique patterns of the Invisible Magnetism magical force field, a rock happened to fall on it during the battle, and the patterns here were preserved.
Besides, as a disciple of the great monk, unless it was the great monk Hu who asked him, who among the other monks would dare to come to him for the secret of the golden corpse.Li Shiming left one million spirit stones for the clone, plus the Herbal Sleep Gummies: A Natural Solution for Restful Sleep (laQgm)
trophies from killing monks after completing tasks, this is another considerable fortune.
Four monks in the early stages of foundation building died in his hands.However, I am surprised that you have cultivated spiritual thoughts.
However, Qin Hu later turned out to be almost useless except for being a playboy.
As the only person who is proficient in refining medicine and medical skills, Su Ye s existence is indispensable, and he also has the group s pet national treasure as a blessing.Su Ye Where to Buy CBD Gummy Near Me: A Comprehensive Guide (kElEM)
closed the door and looked back at the national treasure Did you see a fox yesterday The national treasure immediately shook his head in a hurry.
The pills made of different bamboos are all left to you.Can I test it Su Ye stretched out his hand and said, Please The shopkeeper took it He took out a silver needle, poked the Foundation Establishment Pill a few times, and then scraped off a layer of powder from the silver needle.
Su Ye walked forward, reached out to pick up a broken stone tablet from the ground, and then reached out to touch the intact stone tablet Amber Riley’s Weight Loss Secrets Revealed: Tips for Success and Self-Care
next to it.But this is not the case in other worlds. In the wild world, each of the sixteen seed lotus pods starts with at least two thousand spiritual crystals.
One, right Su Ye looked at Chrissy Metz Weight Loss: Secrets Behind Her Transformation
Li Chengwen and said, Nanshan Academy, which is second, has an objection to our Bailu Academy, which is number one, right Li Chengwen said, I have an objection to you.Click, click, click
The purple light was held in Su Ye s hand, trembling constantly, colliding with Su Ye s palm, making a crisp sound.
A shot was thrown in the direction of Su Ye. When Su Ye heard the sound of strong wind coming from behind, he quickly turned around, swept his arm, hit the halberd, and swung the halberd away.After enrolling in Bailu Academy, you can maintain your status as a student for at least one year to conduct transactions in this area.
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The bodies of the two monsters turned around involuntarily, and then crashed into the wall of the passage.Huahu, you coquettish fox, you ve killed me, you ve killed me
No
I won t let them have an easy time. The other one who breeds evil spirits is
Huang Taixian shouted loudly, but there was no response.
After Qian Yang agreed, both parties breathed a sigh of relief.Looking down, everything below was covered. If he fell, he would not die.
Haoran s righteous energy turned into wisps of smoke, and the vast area shrouded the surroundings, as if a fog had rolled up.But now that the words have been spoken, Luo Qingqing doesn t mind saying a few words Su Ye, if you don t want to enter the court, it would be wise to not take the imperial examination and go to the academy for recommendation, but in Yanjing s acre In this world, sometimes you can t get what you want just by saying you don t want to.
Then the other evil ghost chased Huahu and was killed in Bailu Academy.When everyone in Montenegro heard that Su Ye was back, they were immediately happy to have extra meals.
After Su Ye took it and lit it, he started turning it around in the cabin, intending to see what was inside the cabin first.With such a terrifying joint attack, Su Ye should have been blown to pieces.
Early the next morning. While going up the mountain for his shift, Su Ye was wondering how he could return to Yunyi City.The deans of the other three academies all have holy names, but he does not.
Even if it is not known, it is immoral, conscienceless, and despised.Su Ye is not such a moral person, and he is a bastard who doesn t make money.
As for the method of breakthrough, Su Ye could only say that it was like riding a roller coaster, going up and down.I don t want to be talked about behind my back. This matter is not that simple.
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already prepared and raised his hand directly, holding the mirror in his hand.Chen to die. It is obvious that if Mr. Chen was wronged, then the most convenient way to make this matter confusing is to make it impossible for Mr.
After all, listening to lectures is just listening to lectures.However, after chasing outside the valley for a moment, the Rakshasa girl suddenly froze.
It s just the leader s talent. Chen Huaian didn t know that Li Chengwen was unhappy with Su Ye and was deliberately making things difficult for him.restraint effect. Because he thought that the Earth Binding Seal could transform his cultivation to himself after killing the demon, Su Ye had a flash of inspiration and wanted Leafwize CBD Review: A Comprehensive Analysis of the Product's Efficacy and Quality (zEIuR)
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Wang Mingyang looked around and suddenly said Little brother Su, can we live here My place Su Ye said in shock, I only have one room here.Wisps of white steam continued to emerge from Su Ye s body.
This is definitely good news. Su Ye squatted down and touched the national treasure s head.Chen Yuling waved Meno Gummies Reviews: A Comprehensive Guide to Menopause Relief (VoLcu)
Liang Long s hand away and said angrily How do you know something will happen What if Tian Xiaoqi didn t come back and it was an accident Liang Long said What now Now you know it s not an accident, right Forget it, forget it.
Many times, the Black Mountain jailers gossiped and asked Bai Shitong to tell stories, but now that he thought about it, the Black Mountain jailers felt that it was just a story.When they sink to the bottom of the sea, they become a spiritual gathering formation, extracting spiritual energy from the sea for cultivation.
Su Ye decided not to beat around Regen CBD Gummies Reviews: A Solution for ED Challenges?
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Even if he is still poor, he will not easily accept inexplicable gifts from others.The two of them walked together, and the aura of being strong was clearly visible, making people feel even more stressed.
After agreeing, Qin Feng went to sleep directly. But at the same time, Lin Wan er and Su Yue had been sitting in the living room of Ye Rufeng s villa and had been waiting for more than an hour.Boss Du, I asked Mr. Chen just now. It s definitely no problem to settle the salary, but you can t say how much it is.
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integrity as a king Chu Tiankuo stood beside Qin Feng, still looking gentle and elegant after his murderous intent subsided.The price is the lives of Dou Longyang s family. According to Wu Meng s plan, Dou Longyang was defeated, and Wu Mian took action.
Sister Qing was furious when she saw this scene and shouted directly Stop Beating my guests in my place, do you really think I don t exist Boy, let go now, you can still leave a whole body.It s still a one on one match, but in such a large venue, there will Melatonin Free Sleep Gummies: A Natural Solution for Restful Sleep (Pqsbj)
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The long skirt covered her thighs, but exposed a pair of graceful calves.Lin Wan er on the side sneered, with deep disdain in her eyes Haha, he really risked his life just to show off in front of Chen Chuqing.
Regardless of whether that day on the highway was true or false, at least he saved me when I was a child.Maybe Mr. Ye, you can start with him
Before he could finish speaking, Ye Rufeng waved his hand and interrupted You don t need to worry about his affairs for the time being.
The moment she felt numbness in her arms, she had already taken four or five steps back.Du Qingyue had already returned when he arrived, and he happened to run into the brother and sister as soon as he entered the door.
Although the two people have not yet decided the winner, they have already seen each other.Because of this, she was filled with jealousy and unwillingness.
After all, these people are Ye Tianqi s guests, and she is doing things for Ye Tianqi.Sister Qing stepped forward, glanced at both parties, and then said calmly One code is another code, no matter what, you are the one who takes action first.
You know, if you are not careful, not only the Martial God Temple will be touched, but also the foundation of the Dragon Kingdom.Hearing this, he paused and turned around suddenly What did you say Xu Shaoqin didn t react for a Buy CBD Gummies Wholesale | Bulk CBD Edibles and Products
while Who did you say was outside Back to the general, it s Chu Tiankuo and Chen Xiao, they said it was The criminals escorted to our Martial Arts Temple need to see Captain Qin Feng and Qin.
Now, those who are making a comeback are just a bunch of defeated soldiers who are timid and fearful of trouble.At this moment, an extremely bloody murderous aura erupted from him, and this overwhelming aura hit Chu Tiankuo head on, causing the latter to narrow his eyes slightly.
Qin Feng politely explained I m sorry, these people are teasing my friend.
The power has increased, because no electrical elements are wasted, they are all gathered in the palm of his hand Thinking of this, many thoughts emerged in his mind for no reason.The clouds were no longer thick, and among the thin dark clouds, slender arcs of electricity flashed.
Lin Beichen Of course, why, you want to learn, I will teach you, Zamabu.But
These two unusual thunderstorms in a row made them realize that something was wrong, something very wrong.
Some said that Lin Beichen was sick, and some said that Lin Beichen saw so many people watching and made preparations in advance.He didn t understand why the leader who he never saw in person suddenly called him.
Now he has sequelae, which is a pity
These Weibo accounts posted In addition to attaching what you want to say or your own opinions on Weibo, although the contents of the videos are different, it is obvious that they are all edited from two or three videos.On the way back. Hao Jianhua thought of his promise to the police and waited to notify them after Lin Beichen returned to school, so he took out HimEros Reviews – Olympus Premium Health Male Enhancement Support?
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The idea is good, but we are unarmed
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He came to Song Xiangdong and pointed out all the people who seemed to have a slightly better understanding.Even if Lin Beichen is trying to bluff people, he should at least be more professional and try something new, right What the hell, Lin Beichen said You haven t seen that even simple meditation can scare three believers.
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the dagger and the thief, and the farce finally came to an end.
This young man actually possesses two martial arts that the world thought had been lost, and his attainments are not low.The spies are all dead. There are five of them in total.
I came to join this club and have persisted until now.We have no problem here. That should be it. Lin Beichen smiled, then stood up and left. Although he said there was nothing wrong with him and he was upright.
After all, he had never studied these things. How could a pure layman understand what was going on However, as the two sides Truman Male Enhancement Gummies Review: A Comprehensive Analysis of Benefits and Effectiveness (gnvia)
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Toward the window. Outside the window, the heavy rain was still pouring down, and it kept falling.At such a young age
How could he be so good at Lu Japanese Boxing Who did he learn Lu Japanese Boxing from Could it be that
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Por Alejandro Saracho, experto en finanzas personales; autor del libro Reconfiguración financiera.