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 que una atención por WhatsApp Business sea exitosa, la resolución de las necesidades de los clientes debe darse de forma natural: Entender la intención real de los usuarios y lo que requieren, para proporcionar una experiencia de resolución instantánea.
Los sistemas láser Ultra están diseñados y son ideales para corte de precisión por láser, ablación por láser y modificación superficial por láser en áreas productivas, I&D y prototipeo.
Mediante algoritmos numéricos en un motor de inducción, puede medir la corriente del embobinado, la posición angular del eje del motor y adquirir señales de funcionamiento.
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Silly, it s not that you can t leave as a teacher, as long as you leave first If they want to leave, who can stop them.But at this moment, Gu Jia might not be able to say, and it was inconvenient for her to ask more.
At this moment, a spirit pigeon entered a critical state and threw the letter paper towards her, the letter paper was torn apart under her formula, and the golden words spread out vertically in the air, which brought with it the senior brother Wugou who invited her to go to Wugou Mountain for a talk.
Yu Liao glanced at the gloomy Gushuci.Obviously, the two brothers were still at odds as in the previous world.Okay, since father has made up his mind, please teach Tan Feng more.
I don t guarantee that it will be updated at night.This is how the Pingyuan Bo s Mansion exterminated the family case later.
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I m sorry, I didn t think carefully, I don t know if my lord can return her to me.In the middle of the night, they were suddenly awakened by the throbbing of the transmission, and the members of the Tiandi Congregation were very angry.
On the one hand is the brother, on the other is the fianc e, Zhu Guangxiao chose to remain silent.Its abnormality also represented Taoist Priest Jinlian s mood at the moment to a certain extent.
Also, why did that ignorant sorcerer help me What s his purpose Xu Qi an suddenly thought of one thing, that was the sorcerer in the tax and silver case.It s over.After Tongluo finished speaking, he saw that the officials expressions changed suddenly, and hurriedly added Xu Qi an and Ranger General Li Miaozhen went out of the city to negotiate, and the situation is currently unknown.
What do you Ai Qing think In the imperial study room, the princes started to commotion, whispering to each other.Your character is worthy of my appreciation.Tang Yinluo admired, and added Although you are very lecherous.
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I seem to have discovered something.As we all know, one cannot break through the refinement, and this is the same for men and women.Governor Zhang is angry that the boiled duck flies away.
Look at the virtues of the three sects of Taoism, what they can t do, and the first place in the collapse.Chu Caiwei was also present at the time.and became a big player in skill delivery.
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You little Tonggong is quite capable Susu tilted her head and looked at Xu Qi an who was walking side by side.After three and a half years, let someone check to find out which other women have entered the Jiaofang Division during this period of time.
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Looking back at the case, when Liang Youping was sent to the post station, Governor Zhang and others were skeptical about Liang Youping s confession.The stone bricks under Yang Yan s feet suddenly cracked, and a stream of energy overflowed uncontrollably, indicating that Jin Luo s emotions were out of control.
Under her leadership, the Feiyan army entered the city.This, in a few years, the capital A prominent family is about to appear.
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On the night, there was a crescent moon, dotted with sparse stars, shining a lonely light.Although he has more than 900 taels of gold, the money is used to buy a house.
Outside Baidi City, the military tent.What The watchman broke into Yang s residence at night and took away Commander Du Li Miaozhen stood up in surprise, staring at a ghost in black who came back to report.
There were eight people in total, that is to say, there were nine oirans in the Qingchiyuan.In the land of a state province , the three highest ranking yamen are the commanding department, the chief political department, and the criminal inspection department.
After digging for a while, the black soil revealed bones.Song Tingfeng forced a smile.Governor Zhang shook his head and said gently When the matter is over, I will write a note.
There was the sound of clicking, and at some point on the left of the man in white, rows of continuous firing crossbows appeared, which were automatically wound.Although he is honest and reserved when he doesn t speak, he actually doesn t have much respect for Governor Zhang or Song Changfu.
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Why are they here Governor Zhang looked at Jiang Lvzhong beside him.I actually have a feeling of I have to find a way to marry this woman home.
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The Tonggong and Yingong couldn t help holding down the handle of the knife and examining Yang Yingying.Yunzhou is a unique place, under the care of Baidi, the weather is good.
Quickly took a deep breath, then took out the fragments of the book from under the pillow, and was about to spit out which idiot was so angry that he didn t sleep in the middle of the night and returned water.Luck.In the cold morning wind, Xu Qi an shivered slowly.
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When he was young, his dream was to practice martial arts and become a hero who wields swords and kills bandits.As for character, ability is not so important, unless it is as amazing as Wei Yuan.
Mr.On the road to death.Xu Huchen snorted coldly and said Don t put a hat on this general.Confucianism s life setting state is a process of finding the goal of life , so it is called life making.
Next, without continuing to check the relics, he pondered for a moment Send the password of the watchman s yamen, keep it secret Jiang Lvzhong said Everyone above Yingong knows it, and Tongluo who has been in contact with Anzi also knows it.
Por Alejandro Saracho, experto en finanzas personales; autor del libro Reconfiguración financiera.