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.
Los entrevistados para este reporte coinciden en afirmar que la asociación con un 3PL integral experto, sea en gestión de operaciones como de bienes raíces, puede proporcionar una solución perfecta y potente.
Si este año no es la excepción y las ventas se incrementan, es importante estar preparado desde un comienzo, tomando en cuenta los consejos de Microsip.
Las soluciones de identificación seguras permiten a las personas acceder con comodidad y seguridad a los sitios físicos y digitales, y conectar objetos que pueden ser identificados con precisión.
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I remember that during the Chaos Demon Valley trial, this guy tried every means to prevent Qin Ruyan from joining the team, and now he speaks in such a shady manner, which is really inexplicable.I m Chen Biwang. These two are Qingyang and Lu Dingshan.
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Nearly twenty magic weapons were arranged in a circle of two to three feet in size, embedded in the restriction at the entrance to Chaos Demon Valley, and kept circling, forming a cave entrance for low level monks to enter and exit.If your father hadn t taken away his opportunity to become an immortal, how could you have joined our Yuling Sect By doing this, aren t you afraid of bringing about the disaster of annihilation for your Liang family Liang Chongtian He said in a deep voice, It has been ten years.
Liang Zhongtian was able to take action decisively when Qingyang was at an absolute disadvantage, but he still took a lot of responsibility.Then the two of them went back and forth, fighting each other.
Don t chase for now, in case there is a scam Mo Xingyu came back and scolded everyone not to rush in.They were most likely Lao Tzu and Grandmaster Zhang Sanfeng.
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After all, the current Ye Fei is not even at the Divine Tibetan Realm, while Nansha is halfway to the Niwan Palace, and the one in his hand is The Sky Observing Mirror is extremely powerful.If the next person is not out and needs self protection, this magic bow will be given to the girl Ye Fei said seriously.
Outside, Murong Xue knelt down in front of her father and cried bitterly.There are also family matters that must not be told to the young master.
A maid befriended him and paid a huge price. No matter how many spiritual stones there are, we still have to find out this person s origin.Ruins and rubble. Whoosh Wu Juan pointed her toes and rushed over.
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Junior brother, I don t know. The strength of underground demons varies from high to low.I didn t expect this kid to disappear for so long and come back again.
For a moment, countless figures rushed towards the outside of Tongtian Academy, all of them were strong men in the Shenzang Realm.He wanted to make a call, but he was worried that his phone call would be monitored during this sensitive period, so he had to suppress his gratitude in his heart for the time being.
The environment of the inner courtyard is much better than that of the outer courtyard, with beautiful mountains and clear waters, picturesque scenery, and even the aura seems to be stronger than other places.I ll tell you later I will make your life worse than death.
All the female disciples in the Yin Yang Sect come this time.This group of damn monkeys, if I had known that I would have wiped them out in one go, they would not have resulted in this outcome.
Another two quarters of an hour passed, and when everyone had almost digested the spiritual fruits and spiritual tea on the table, the man before said loudly, The third event of the Golden Elixir Conference, the Tao discussion begins.It has just produced fruit and has a long way to go before it matures.
Master Lingxu stood at the entrance and glanced back into the depths of Chaotic Demon Valley.If some people cross it, they will rush away quickly.
I found so many, and they all look so standard. These spiritual trees are too thin and are not very useful when used to refine wooden Cbd Gummies For Men A Comprehensive Guide To Benefits Uses And Effectiveness 6244 magic weapons.Who else can be there besides Elder Wusi He was caught threatening a disciple at his sect s headquarters.
It should not be a problem in a short period of time, but it will be difficult to say if it takes a long time.The conflict between the Seven Immortal Sects and the Jingfeng Pavilion gradually subsided, and Qingyang and the others gradually calmed down.
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The impression was too deep. Master Nephew Li, we meet again Deacon Xu nodded and greeted Li Shiming.Yin Shilan s spiritual power is deeper, and it is faster for Li Shiming to make the array objects needed for repair.
What they received was the inheritance of Shenzu Tong, but unlike Jue Yuan Buddha who only received the Step by Step Lotus , what they received was the entire Shenzu Tong inheritance.Both are true disciples. Jueyuan Buddha has been in the true biography for decades longer than Li Yuanba.
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The other two sword lights then cut Discover The Best 9665 Vermont down, and cut off almost half of the blood light.That monk returned to the secular world and left behind descendants.
If they meet a monk, the cyan light on his legs can mislead the monk s judgment.Judging from the appearance of the Bigu Pill , it was an intermediate first grade elixir.
Of course, fighting left and right is just a key, but what really allows him to do two things at once is his strong spirit and spiritual thoughts.The appearance of the bronze corpse is very unsightly, which is due to the poor appreciation taste of the Xuanming Sect monks.
Por Alejandro Saracho, experto en finanzas personales; autor del libro Reconfiguración financiera.