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.
Blockchain está marcando un antes y un después en la gestión de la cadena de suministro, ofreciendo una herramienta potente para responder a las crecientes demandas de transparencia, eficiencia y sostenibilidad en un entorno global.
En un mundo donde la agilidad y la anticipación son clave, los gemelos digitales de la cadena de suministro se están convirtiendo en herramientas indispensables para empresas líderes que buscan respuestas rápidas y efectivas ante la incertidumbre en evolución.
6 de cada 10 trabajadores reportan ser más productivos en sus trabajos gracias a las tecnologías móviles, mientras que casi la mitad (48%) están más satisfechos en su trabajo si perciben que su empleador es un buen proveedor de condiciones móviles de trabajo.
La interacción social entre astronautas y sistemas de asistencia equipados con IE podrían tener un papel destacado en el éxito de las misiones de larga duración.
Now, he felt an indescribable speed of cultivation, which was even comparable to the speed of his cultivation using high level spiritual pills.This resource point is reserved for great monks. There is also a great monk from Sword Intent Chongxiao Pavilion stationed here, but he is not afraid of the White Emperor Sect s temporary base nearby.
This shows that Asura Not easy to control. If he were not the master of the cave, Asura would pounce on him and tear him to pieces crazily.Formation Li Shiming and IBMz15 chose the same direction almost at the same time.
This also gave Li Yuanba s Xing Yijian no chance to attack again until the sword cultivator team withdrew from the battlefield.Naturally, he could feel it more deeply. s difference.
Speaking of fairness, it is not really fair. Li Shiming knew a little about Brother Duan Zhang, but Brother Duan Zhang knew very little about his combat power and the methods he mastered.Fellow Daoist Lou, the rules are indeed like this, but all of us know how powerful Li Yuanba is.
It prevents me from everlasting life, prevents me from cultivating immortality, prevents me from becoming a Taoist, I will fight until death He thought to himself.It was a good thing for the enemy to underestimate him
Therefore, he did not fully display his sword intent, and only allowed Xing Yijian s sword intent to maintain the level expected of an early Jindan sword cultivator.
Although this matter has something to do with Li Yuanba, Li Yuanba cannot be blamed.This kind of confrontation can prevent the sword cultivators of Jianyi Chongxiao Pavilion from robbing everywhere and limit the battlefield to four strongholds, thus reducing the losses of Baidi Sect.
What do you have that is worthy of my contract This time, it was Grand Master Hongfa s turn to go crazy.IBMz15 had already started researching the caves and knew how the caves were connected to the outside world.
It is the nature of a businessman to invest in the monks with the greatest potential, and Li Shiming is the best investment target.This also violated the rules of the world of immortality.
Although Senior Monk Luo Pei was not very powerful in Zhongzhou Continent, what he did was put everyone in the major sects in danger.A monk in the early stage of foundation building was hit in the body.
He used his spiritual consciousness to place each formation base at the designated position.He stretched out his hand and struck the Tongtian Compass , and the Tongtian Compass automatically shrank and flew into his hand.
Within the same one kilometer radius around his body, there were Samadhi Divine Wind.A monk is coming out Just as Wu Qi was speaking, the space door flashed, and a monk exclaimed.
1 second to remember. Mobile version reading website Keep your distance Brother Lou ordered in a deep voice.Li Shiming feels that although the five elements are not complete in this cave, it already has the prototype of a world.
Li Shiming helped him solve the incident of the Xuanming Sect s Qi Refining monks in Zhongdu, and he needed to show his gratitude in this matter.His injury was healed in just over ten breaths, and at the moment when the injury was healed, the green light of the Xiantian Yimu magical power also disappeared.
As long as it does not happen in the Jianyi Chongxiao Pavilion, he will not check more.This time, the White Emperor Sect changed its strategy and only targeted the Ten Thousand Beasts Sect.
In other words, the great monk Wu Ge temporarily leveled the spiritual field and left it as a place to arrange the formation.Some reactions will appear on the spot, while others will gradually appear after a long time.
He secretly took out the life preserving jade talisman and activated the life preserving jade talisman.This is also the experience accumulated by monks over the years.
The method he used was exactly so close to the end of the world , and the spatial movement brought him into the hall again.Many of the female monks from Luanfeng Palace focused their attention on Li Yuanba s face.
It requires opportunities. Look at the owner of the Half Life Cave, Qiu Hengyi, a half step Mahayana monk.I can t wait any longer After saying this to Li Shiming, the great monk Liu Ziyun jumped into the air and left.
Li Yuanba had observed it, but he didn t see Tang Xuening.Yunze would reluctantly apologize to Li Shiming every time he delivered goods, but the rift in the relationship between Li Shiming and Yun s Trading Company was inevitable
People who eat melon seeds remind you remember to save it after reading it.
We can t go on like this. Hell monsters are gathering, and their numbers are increasing A senior monk reminded in the communication channel.Now I can finally see how the Nascent Soul Sword Cultivators of Sword Intent Chongxiao Pavilion fight and how powerful their Sword Intent is.
Unfortunately, Monk Mao Jing and Monk Hu Shiming were still far away at that time and could not rush back in time.A life saving jade talisman given by the great power of the sect.
They reluctantly took out the life saving jade talisman.No monk can question it. Of course, Li Yuanba was also in a lot of trouble.
Without any hesitation, his figure rose into the air, and with Xing Yijian, he turned into a sword light and shot towards the boundary mountain pass
As soon as he approached the boundary mountain pass, he sensed Jiang Pu s aura.Whether he could succeed or not was a matter for the Baidi Sect.
However, as the clone s spiritual sense grew, this feeling became more and more obvious.Li Shiming could clearly see the team leader s code and the reactions of the four tigers in Lieshan.
There are only a few types of auxiliary elixirs for training during the Qi refining period.But it s too late to say anything now. Anyway, the imperial examination has ended, and he is at least a Jinshi.
No foundation building pills were used, and there was no long wait.Through his spiritual connection, he inquired about Eagle Beak Island from the illusory terrain map, and soon the location of Eagle Beak Island lit up.
Of course, Li Shiming is still far from the real sword intention, but judging from the battle just now, his sword light contains a trace of sword intention.All this was seen by Li Yuanba, and he would naturally choose the most advantageous fighting method.
Li Shiming quickly felt the blood contract with the bronze corpse.But the increasing injuries made the Monkey King s movements slow down.
Although he is a mortal, his vision is not weak, and he can see that the long sword is a magic weapon.He was still brewing the second secret technique, but it was a pity that he didn t have time to send it out, otherwise the monkey king would surely die.
Compared with the third grade sword base that was cultivated in the Sword Demon Secret Code , the aura of this sword shaped metal is stronger.Even though he was far away, Li Shiming still felt the harshness of the laughter, like a knife grinding on a stone, which made people feel sick and uncomfortable after hearing it.
First of all, the arrangements of ordinary foundation building monks cannot make him feel threatened at all.Who would have thought that as soon as Li Shiming took action, Jin Fengzhi would master the basic magic of Ling Zhifu, making him a junior Ling Zhifu.
All Qi Refining monks were not flying. In this top level Qi Refining period battle, only by standing on the ground can you have the greatest advantage.I didn t expect you to know this place. We are going to Seven Star Island Uncle Zhuge glanced at Li Shiming curiously and then replied.
If their cultivation is not as good as these newcomers with poor spiritual roots, then it can only be said that there is something wrong with their cultivation attitude.There was about one kilogram of nitroglycerin in the box.
His body turned in the air without hitting the formation.He did not use any spiritual power, but simply touched it with his hands.
At midnight in the afternoon, the three days of autumn finally came to an end.After sending Mr. Hu away, Li Shiming recruited Manager Zhang.
One mid grade Gatling weapon fired an average of thirty ice crystal bullets per second.Li Shiming was also looking at the ten monks. The distance between them was still more than 500 meters, and they were not within the attack range.
All formed magic circles only need to grasp the direction of the flow of spiritual power to activate them smoothly.But the mid stage foundation building monks who understand the formation and can find the nodes of the formation are not among them.
He finally understood why there were extremely complex formations.The jade slip has the function of the USB flash drive in the previous life, but it exceeds the function of the USB flash drive.
Over the years, it has become clear who is responsible for who among the various trading houses.Many people bring their children here just to get some culture, so that their children can have the opportunity to participate in Qiuwei like these scholars.
Li Shiming smiled. He didn t know whether the six fingered sound demon was arrogant, thinking that the monks who entered the palace could not erase the spiritual mark of recognition of the master in the magic weapon, or that he could take back the magic weapon at any time at such a close distance.
If you can t even break through the simplest five elements maze, then what s the point of the assessment At the same time, he didn t want any outsiders to disturb him.They are both in the Qi refining stage, and Tianlinggen disciples have a strong advantage.
Needless to say, Qianhuan Sect, although your starting point in joining the sect is low, you are just an outer disciple, but with Shilan and me here, at least no one in the sect dares to bully you.A smile appeared on his face as the purple light flashed.
Tell me about cultivation and body refining. After the spiritual exploration just now, he found that Li Shiming has three spiritual roots, and his qualifications are indeed not very good.
Qingyang just wanted to test how much potential he had and whether he could break out of the siege on his own strength, so he persisted until now.There are no good things in the storage bag, and during the more than six hundred years of being trapped in the cold cave, the things have been used up long ago, leaving nothing for you.
This main hall was much simpler than the main hall in Jiuzhou Continent.After coming here for a long time, he said solemnly You
you are actually a late stage Golden Core cultivator Qingyang smiled meaningfully at him and said, What does a late stage Golden Core cultivator mean A late stage Jindan monk is nothing Isn t that
is
thinking of this, the leading man in blood suddenly had his pupils dilated, and his lower body suddenly became incontinent.
The ancestor of the Zhou family next to him said Master Guixia, don t worry.However, this lightning ferret was extremely smart and quickly found the weaknesses of the two of them.
Even those who have not encountered any bottlenecks in their cultivation are very tempted.For him, it would be good to become a Nascent Soul monk in this life.
All the previous experiences really made He Master Huo was frightened and felt the strong dragon roar below.The Willow Ghost King is richer. In real terms, the Fuliu Ghost King is not much better than the Huanxi Ghost King, so it may be difficult to tell the winner in a short time.
Many people are secretly surprised in their hearts.This strength is really amazing. If this person had not offended Zhenjun Shifu, Zhenjun Yaoyue would even want to win him over to his city lord s palace.
now that we have come to a place like this, we must not return empty handed.The Divine Pregnancy Fruit is a rare treasure in this world.
Fuliu Ghost King did not hesitate to follow suit and snorted coldly We are all smart people, so don t tell lies.In these years, he has been stuck in the early stage of Yuanying to the middle stage of Yuanying.
When the Qilin Thunderwood is refined into the alchemy furnace, the changes in the liquid inside become even greater.He can be called a stunning beauty in the world. Men can be attracted by just one glance.
Busy. Everyone knows that this person has been poisoned and will definitely not be able to recover in a short time.After a long time, he said, Who are you Are you related to me, Yang What is the deep grudge against the family that actually comes to kill them How could Qingyang s dignified Nascent Soul monk care about the momentum of a group of Jindan monks He said calmly, The Yang family has prospered in these years, and I don t even remember my old friends.
Dou Changzai s cultivation level is much lower than that of Baimei Ghost King, and he has no resistance to that kind of charm.Here s an ad, the Zhuishu app I m using recently, Originally Qingyang s Wind Resisting Gourd was a very good flying spiritual weapon, but as Qingyang s cultivation level improved, the Wind Resisting Gourd s speed could not keep up and did not match his strength.
There are no advertisements on the site. Please also collect and recommend handmade games The Blood Corpse Talisman of the Lingfu Sect is very powerful, but it cannot be used easily.The entire Yin Yang Valley seems peaceful. No wonder Master Shi Han chose to settle here.
Then the Ghost King with Long Eyebrows took out a jade box and carefully packed his eyebrows, and took a look at it in his hand.Unlike the previous silent mental attack of the Giant Ghost King, the attack of this Ghost Headed Cane is completely different.
Whether they can win in the end depends on who wins and who loses among the two Nascent Soul level beings on the battlefield.At the same time, the Long Eyebrow Ghost King and Fuliu Ghost King also launched an attack on the Giant Ghost King.
If Fusong Ghost King was heavily guarded, I don t know how much more effort it would take.He felt a little more at ease. Even the Blood Demon Sect didn t understand things.
Qingyang had figured this out before when he took action against the giant crocodile in the underworld.There is no one in Chujiang City. I don t know, but it s the same with them.
div In fact, it doesn t matter even if you can t defeat Qingyang, as long as you can temporarily hold him back, because there is still the Black Water Demonic Dragon nearby, and the iron armed monkey s cultivation level is much lower than that of the Blackwater Demonic Dragon.At that time, he was angry that others looked down on his friends, so he had to bet with others, but he did not expect I really won in the end.
In this way, the possibility of Master Shi Han being alive was higher.There are no years of cultivation, and several months have passed without realizing it.
If Qingyang loses and dies, They will definitely not end well.They did not expect that the lonely Fuliu Ghost King would have so many people supporting him.
A huge grimace opened its mouth and roared, then rushed down towards Qingyang.This time they destroyed his Blood Demon Sect and took away the Three Treasures of the Blood Demon Sect.
There is no need to let them die. As for the remaining people, they will all die if they are punished.There is a blood pool in the center of the cave, which seems to be filled with blood.
If Crouching Tiger City takes the initiative to give this opportunity to Qingyang, how can the other party treat Crouching Tiger City badly One day Qingyang breaks through to become a god, it will be equivalent to finding a supporter for Crouching Tiger City to become a god, and he will be able to walk a little harder in the future.
When his cultivation level was low, he couldn t tell.He always felt that this breath was familiar, but he couldn t remember who this woman was, which made Qingyang doubt his memory.
If nothing else, the four followers he and the Butai Ghost King brought this time were all carefully selected.We brought people all the way here, we can t let them stay outside to watch the show, right Giant Ghost King, we are all you I m asking for help.
Hei, he and Lord Shi Fu were brothers before, but who knew that just after the other person died, they would join forces to eradicate the Ling Fu Sect.we all go out on adventures together. When we encounter danger, we have too much time to take care of ourselves.
Qingyang looked at the smiling body of the alcoholic queen bee, and said with a straight face If you hadn t deliberately delayed the time, this battle would have been over long ago.
It s over a hundred feet long. It s very difficult to lock down the Bagel from such a long distance.They killed more than a thousand monsters in the abnormal melee in the valley before, and finally collected the complete inner elixir of monsters.
He returned to the stone room and changed the blood stained clothes first.The opponent s magic weapon. This golden eyed eagle can just flap its wings to rewind Akame s tongs.
The one eyed dragon Leng Yu also felt the huge power of the sword formation.He is now completely in a coma, and his breath is weak.
The one on the left of Master Lingxu is a woman who is about the same age as Qingyang, but her cultivation level is two levels higher than Qingyang s.The dozen or so people present were already nearly half of the upper echelons of Tujiao City, and they were not even as high as the 20 of the Qingfeng Hall disciples behind them, not to mention the two golden elixir monks, Master Qiyun and Master Wuyin at the front of the team.
The one eyed dragon looked coldly at the group of spiritual insects that suddenly appeared in front of him, and couldn t help but frown.Speaking of the one eyed dragon s gloomy past, Qingyang couldn t help but think of what happened in the Qin family after the Jindan Conference four years ago.
Everyone knows what Tian Shengcai said, but they are just following the chaos.I guess he is confident enough to defeat Kou Yuchang.
Qingyang had long known that this would be the result.Only after confirming the authenticity of these two corpses will they be given corresponding task rewards.
But this time, he didn t care so much. He was angry with these people and killed all his men, and deeply hated Qingyang for repeatedly ruining his good deeds.But I was different. It would be fine if others didn t add insult to injury.
As long as you are more careful, it is possible to rescue Qin Ruyan.Jiao Chengxin couldn t help but said, Senior has helped so much, and we, the Jinli Gang, can t thank you enough.
You have not only tarnished Wuxin Sanren s lifetime reputation, but also let down the good intentions of Qingxin Sanren.They were obviously killed by the group of young master Lingxu who came down before.
Sure enough, before Qingyang could speak, Master Mo Rong took out a yellow skinned gourd the size of a bowl.They are overjoyed and sad. It is understandable that he did some abnormal things.
As for whether they should welcome the Qingyuan scattered people in first, they could no longer care about it and could only send the three people in.Therefore, their speed cannot be increased at all. In the blink of an eye, three or four people Months have passed, and almost half of the area has been explored.
Seeing that there was only Jiao Hong here, Lan Yan couldn t help but ask, Why are you the only one here Where are the others Could it be that the two of us came early Lan Yan and Xiqiu were a group.Including other consumption, we are a bit short changed in this mission.
These techniques are relatively simple. After the owner of the spirit beast becomes familiar with it, he can instill some simple instructions into the spirit beast through his soul, and the spirit beast will gradually master some methods of absorbing spiritual energy and try to improve its cultivation.
Qingyang did not care about pursuing the victory, and hurriedly retreated.However, the speed of the red feathered eagle was too fast, and Qingyang was in the air, so he could not cope with it as easily as he could on the ground.
Golden elixir. Zhenshi Sanren presented two thousand year old spiritual herbs to the Demon Suppressing Palace to congratulate Master Qingjing on the success of the golden elixir and the prosperity of the Qingfeng Palace sect.It seems that this mission is not easy. Qingyang said It has been several months since the Tao family leader s accident happened.
If compared with some places in Zhongzhou, the Fucheng here in Yongzhou sometimes cannot even compare with some towns.He didn t care about one more Chen Biwang. Seeing Qingyang Yang refused on his own initiative.