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.
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this simple stone bridge.Seeing this scene, the ancestor of Xielu was extremely shocked These traces of the fighting have remained for thousands of years, and the cold power can still be felt.
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Huo Dingtian, the powerful Martial God who was vaguely the first person in China and even the first person in the world before Lu Yu appeared, be so frightened.
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point, seeing everyone s serious expressions and no longer paying attention to Lu Yu and Gou Rui who were leaving, Yan Xunnan breathed a sigh of relief and continued I suspect that they want us to gather together and catch them all in one fell swoop You want to find a weak space node and escape.
These mutated poisonous demon bees are simply more vengeful than the Thousand Blades Sect.With Lu Yu s killing spree just now, the night passed smoothly, and no other pirate cultivator dared to make any plans.
Under such circumstances, Lu Yu s fighting became Ozone Blood Orange Gummies Review: A Comprehensive Analysis of Efficacy and Quality (YCXeq)
smoother and smoother Tear In an instant, the bone sword flew across the sky, shining with bright golden sword light, tearing the void, and instantly killed a giant in the Nascent Soul stage.There are countless giants in the Nascent Soul stage, and there are also supreme giants like the master of the Luoyue Palace Ling er, don t worry, I believe it s the master Seeing Zhuang Ling er so worried, Zhuang Yu immediately felt comforted and looked at Lu Yu with deep admiration and fanaticism.
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Lu Yu took his seat, he found that most people were talking about the assessment of Wuhua Sect and Shenghua Sect.Maybe they can survive. Woolen cloth The worst thing is, collecting their bodies for them also ruins this fate As for the Xuanhuang Fruit of Heaven and Earth, it s not that fast Hearing Yan Xunnan s words, Luo Wenxing s graceful smile suddenly froze.
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shoe And this is definitely not Lu Ziji s main practice.Then he took a soft handkerchief and gently wiped the sweat on his forehead.
are all at the half step Martial God level, and can even temporarily compete with the powerful Martial God.Oh, what a shame, Lu Ziji went to the Emperor s Constellation Star and went to the Dragon Pond and Tiger s Den like Cangshan Star alone.
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not difficult to find a flaw under Lu Yu s Purple Divine Eyes and crush it directly.Don t be fooled At this moment, Lian Feng looked at the sneers on the faces of Du Huarong, Zhao Feng and others.
There must be good treasures in the secret realm of the cave.
But the red skull had no time to worry about the hanging ghost now, and turned around and started running away.Anyway, Su Ye remembered Yu Ziya s words and planned to take the time to visit Luolong City.
Do you understand As for me, I will give it to you.After all, if you don t have the resources to practice, you can only use your time to survive.
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Within a hundred miles, there were densely packed rocks of different sizes.Su Ye couldn t help but want to spit out the fragrance.
Then, countless rubbles smashed into the crowd. You bitch, are you looking for death Just wait for me.Almost instantly, the red skull s Tianling Cap shattered and exploded, scattering countless bone fragments around.
Instead of thinking about me, you might as well think about yourself.Your Majesty The steward smiled, then looked past Su Ye and Luo Qingqing to a carriage on the street.
Su Ye took advantage of the chaos and ran out of Fangshi, trotting all the way forward.If Zhang Quan does well, he will definitely be rewarded and promoted.
He likes to take the initiative. He wants to be the one on top, not the other side.Okay Of course, Su Ye couldn t really sleep. Although sleep is still necessary, two hours of sleep a day is usually enough for cultivators.
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everywhere.Looking at the people around him who continued to praise him, Li Chengwen felt that he was making wedding clothes for others again, but at this moment, he really couldn t say anything, so he could only snort and sit back in his seat.
Brother Su, please give me some advice on the lantern festival tonight.The competition between the four houses must have a result.
Since there is no way to get a stall now, why don t you return the spiritual crystals to me.There was nothing wrong with the other party treating him as a pauper.
Therefore, even if those people are masters under the Ghost King Rakshasa, their cultivation level cannot reach the spiritual enlightenment stage.Their strength was far inferior to his own. Su Ye really couldn t figure out how they dared to attack him.
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at Duzhi Cliff and received some good news.Am I not treating you well Why has it never happened The national treasure raised his head and rubbed Su Ye s palm with his head without waiting for Su Ye to touch it.
He had plundered almost all the treasures. He had gained a lot.However, the relationship between them is not harmonious After all, after tens of thousands of years of fighting, there are numerous blood feuds that cannot be uncovered easily.
a nearby mountain with several thousand meters was directly split into two and collapsed.She looked at Lu Yu awkwardly and said, I didn t expect that seniors also know the situation in Maple Leaf City so well, so Lingling won t bother me anymore
Before she finished speaking, Xu Lingling left. He ran away, as if he was afraid that Lu Yu would cause trouble.
He looked at He Wenxin and flicked his finger, and the Nether Fire Realm Pearl flew towards He Wenxin.they have a little chance to pick it up But those Unlock the Full Potential of Hemp Labs CBD Gummies 300mg for Enhanced Wellness and Relaxation
powerful people in the realm of refining the void and joining the Tao have all lived for thousands and tens of thousands of years.
Did the people from the Thousand Blades Sect find any good treasures Did they find the Liu Yan Magic Pearl Let s go over there and take a look For a time, people from all the major forces sent their men to follow the Thousand Blades Sect.Why do I feel that he is more familiar with me than me Gou Rui muttered in her heart and flew close to the ground like Lu Yu.
This Yang Rong actually didn t take her, the princess of the Earth Kingdom, seriously at all.Of course, it is also possible that God Lord Liu Yan is really so lucky that he was able to get this magical technique that directly refers to the true immortal However, since brother Lu Ziji said so, He Yaner behaved obediently and stopped asking.
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However, the people from the Blood Hand Sect actually wanted the Cangshan Sect to hand over Saint Yunyun to them for disposal Master Feng Yao, the leader of the Cangshan Sect, was furious and beat the Bloody Hand Sect envoy out.There seemed to be a deep shock and disbelief in his eyes Didn t Lu Ziji be moved by the great wealth promised by the Creator Organization and the news about the journey to heaven He died like this, did his grand strategy and ambition come to an end like this After killing Ferdinand and crushing his soul, Lu Yu glanced in one direction with cold eyes, and then walked away After Lu Yu left, a group of people came out from the direction he had just swept, people from Citigroup.
shape. Immediately, the Scarlet Flame Pavilion Artifact Spirit fell silent.It was very easy Their luck is about to end. When the time comes, we will fight for it.
Sad Lu Yu also smiled and nodded at He Wenxin, saying, Thank you so much, Senior He, for helping me this time.Seeing Zhuang Ling er rubbing against his big hands like a kitten, Lu Yu chuckled and said, Just follow me from now on.
Lu Ziji, your strength is truly earth shattering Seeing this scene, Huo Dingtian also sighed and had to give in Although he has always been an expert hermit, even Tianmen is afraid of him and dare not step into China But now, facing Lu Ziji, he Who Sells CBD Gummies for Sleep: Best Stores and Products
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She found treasures in everything Lu Yu didn t like along the way.After spending so much time, the result was nothing.
Several other Supreme Elders also had their expressions changed greatly and followed them.Fellow Daoist Yu Lu, do you want it No Seeing Gou Rui looking at him with some reluctance, Lu Yu felt funny in his heart.
It is also a rare fate to be able to fall in love with Liu Wenge and have his mother Lu Xuemei, brother Xiang Zhuo and others.But they are some powerful and terrifying ferocious monsters These monsters are different from the monsters of Chiyunxing.
Since no one from Tianwai Sect objected, then he had no reason.After all, not even the most powerful man in Zhangzhou, the master of Zhangzhou City, and the person at the peak of the God Transformation Stage can t compete with him Is It Legal to Mail CBD Gummies: A Comprehensive Guide
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Hong Meng, who was hiding behind the other gods, looked at this scene and sneered even more When the ten gods in the transformation stage take action, Lu Yu has no other way but to die Just now I was just weighing the pros and cons and not taking action It s not Biogenic CBD Gummies: Benefits, Ingredients, and Reviews
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with the earth shattering attacks of Wan Zhi and other ten god incarnation stage gods In an instant, the void collapsed, the earth shattered, and the ground with a radius of hundreds of miles collapsed, thousands of meters deep Whether it was mountains, towering trees, monsters, etc.
No one could equal him Even the world s hegemon, Citigroup, had to bow down in front of Lu Ziji, apologize and admit his mistakes But now, Lu Ziji stood with his hands behind his back, and with every word and action, he stirred up the spiritual energy of heaven and earth for dozens or even hundreds of miles around.
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Ye Ling said calmly I have been refining alchemy in Leichi for half a year, and I have been in seclusion here to attack the realm.
Whoever, followed by a giant whale like a hill, could swallow people at any time, would feel chills running down her spine.Ye Ling s arrival made all the monks here startled.
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and was deliberately alarmist, but he didn t know that the ancestor of the Immortal Sect, the White Dragon Lord, was twirling his beard in thought.
They I could only hear the second generation disciples of the Immortal Sect gathered on Qingxu Peak talking about Ye Ling eagerly.Xiaoyun was not as good as a late stage foundation builder, and her body was like chaff.
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can be exchanged for Ye Ling s poisonous corpse puppet.She suddenly opened her bright eyes with an incredible look on her face Boom There was another loud noise, and the bottom of the Earth Crystal Law Boat was hit hard and almost turned over At this moment, all the monks on the Dharma boat understood what was on the rocks.
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She hesitated to speak, but never took off the purple bow decorated with garlands.Shopkeeper Yao and Pavilion Master Cui even claimed that they were, and they were even more cautious along the way, carefully turning back through the ravines.
The devil did not dare to disobey, the ancient scroll of Shuifu flashed with light, and the mark of divine consciousness on the glass lamp immediately dissipated.Outside the city gate tower, one man was guarding the gate, and no one could open it But from the southeast, a bright sword light was rushing towards here.
Por Alejandro Saracho, experto en finanzas personales; autor del libro Reconfiguración financiera.