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.
Mayor automatización se traduce en crecimiento financiero y promete mayor productividad. Las compañías altamente automatizadas son 6 veces más propensas a incrementar sus ingresos.
A medida que el panorama de la PI continúa evolucionando en el contexto de la IA y los macrodatos, es fundamental que las empresas estén preparadas para adaptarse y desarrollar estrategias ágiles y proactivas para proteger sus activos y mantener su ventaja competitiva en un mundo impulsado por la tecnología.
La fabricación ecológica no solo es esencial para abordar desafíos ambientales, sino que también ofrece beneficios comerciales significativos, desde la reducción de costos hasta la mejora de la percepción de la marca y la atracción de nuevos talentos comprometidos con la sostenibilidad.
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of the Mountain Shocking Rats were wiped out by Qingyang.
Just when the entire team was about to fall apart and everyone was about to flee, another scream suddenly came from behind the rat group.Coupled with Qingyang s age and cultivation, it is definitely not a loss making business if they make friends with it.
The road got out of the way, but the Jingshan Rat King did not step forward.If it weren t for my fate, I would have turned into a handful of loess by this time.
Back when Qingyang was wandering around Tujiao City, he only found three of them in the huge Tujiao City, and the highest one was of the fourth level.There is almost no possibility of victory over the three monsters.
It is not as good as the residence in the Qingfeng Hall Miscellaneous Yard.Elder Wusi nodded and said, Seventy Four people are really not many In the past trials of Chaos Demon Valley, although our Qingfeng Palace was not at the bottom, we were almost always in the bottom.
Master Qiyun knew that the two dead were the two golden elixir monks who had been poisoned by the colorful spider before.Its speed was faster than that of ordinary foundation building monks flying at full speed.
His own strength is definitely no better than that of other sixth level Qi Refining cultivators.Following the path that the three people walked before, Qingyang also walked a few steps east and west just like they did before, sometimes moving forward and sometimes turning back, as if he was walking through a maze, not daring to make any mistakes.
The disciples of the Qingfeng Palace did not study the formations much, so they were all assigned the task of security and guarding, in groups of three to five, guarding outside the range of the formations.He hated this group of people deeply and knew that he had to buy time for Qingyang to save the young lady, so he attacked desperately regardless of his own safety and used the first level of Qi Refining.
On the left side of the forest beast, there are constant rustling sounds in the grass, and the grass is shaking like a breeze.Uncle Zhou is responsible for cleaning up the rats in the Jingshan Mountain.
By the third day, everyone s injuries had recovered by 60 to 70.He let out a bad breath in his chest, but he didn t expect that a picture would suddenly appear next to him.
I won t be back for a while. Zeng Shuisheng curled his lips and said, It s really hard to say.The hill on the left has risen by more than ten feet, and the area has expanded several times.
Thanks to Bai Lige and Shuyou 160423141913436 for their recent rewards Not only the breath, Tao Youcheng s entire body is also undergoing huge changes.Even if it is attacked by monks in the late stage of Qi refining, as long as it is not directly hit by the front If hit, there will be no danger of life.
Everyone shuddered when they thought that they were about to be controlled by the blood demon Gu and become a walking corpse.It Lose Fat w/ 3 Days Per Week 😎 [NmKsW_-4QPV]
is a low grade spiritual weapon like Liang Yudong s Butter Umbrella.
If they sold themselves into slavery, their lives would be completely ruined.I can still barely protect myself. And since his cultivation level is one level higher than Qingyang s, and his combat experience is richer, it should be easy to kill Qingyang, and then THC Infused Vegan Gummy Bears Recipe/ Tutorial Using Agar Agar [Ujllf8qo4Jl]
he can join forces with the Liang family to take down this monster.
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of the lord war finally appeared.Since Memphis didn t follow, there would naturally be one less ballista.
The Death God is not a long range weapon, and there will be a few seconds between attacks.Although he showed no mercy in his attack, he still had some respect for these warriors, so he did not let hatred devour their corpses.
At that time, Qin Hu felt like five thunders were striking his head.It can be said that they are armed to the teeth. If anyone dares to jump out and stab him now, he is guaranteed to be instantly overwhelmed by the army that is waiting for him.
Boom In the violent explosion, flames and light burst out instantly.And this walking corpse is like a signal. Zombies starting at the lowest level of the third level crawled out of the soil, with different shapes and sizes.
Of course, the Bone Hound has been sent back to the underworld in advance.But even during this period of time, the other party couldn t hold on.
For a warlike dragon, when he sees interesting enemies, he naturally wants to challenge them.The name of the young man who spoke
Mr. Long Mentioning this name means that everyone understands it.
Only then can we say that the other party is no longer a threat.One hellfire bomb knocked down dozens of players This is how powerful it is after having high attributes.
Upgrading from advanced to expert level, the hit rate increases by 10 , and the 10 chance of triggering triple damage becomes five times.Because the bone dragon s originally huge body had become only the size of a teddy dog, not even as high as his calf
Faced with this situation, he was dumbfounded. Although he is CBD Oil for Cocker Spaniels – How Cannabis Hemp Tincture Can Help [EtZ5mAO44JH]
greedy for the knowledge and memories in the opponent s mind, it does not mean that he is not greedy for the opponent s fighting power But now
grass is a plant. I m free, Master Alibuda, I m free The smaller bone dragon flapped its wings and jumped in ecstasy.
Now Zhao Hao can completely cut off Hu, and also use the power of players to develop the Howling Abyss.Combined with Memphis defensive talents, it is definitely the DELTA 8 CARTS ARE BAD NEWS.🍃💨 [PPJJBpAn22m]
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Unless there are campaign skills or treasures that reduce learning requirements, second level campaign spells are the player s hero ceiling, and only special talents or expertise can break through.Boom, boom The three abominations rushed towards the city gate.
Of course, Zhao Hao cannot abandon them. Just one word If you play a necromancer and charge into battle, you just can t die fast enough.Natural enchantment Several man eating vines sprang out from under Zhao Hao s feet and entangled themselves with the approaching black bird.
The thin Qin An was accidentally overturned by the strong wind.Captain Ignoring the dissuasion of his subordinates who were left behind behind him, he activated his skills.
The company s net interest rate is 32 , and the company s net interest rate cannot be reduced to less than 30 even if it is suppressed to the limit, unless it actively causes losses.I know this scientist. He is one of the discoverers of asymptotic freedom in quantum chromodynamics QCD.
Planning and layout will be carried out in advance to meet the large scale population surge in a few years.There is a lot of speculation about whether to roll back.
What I have to say is that Fang Hong s current influence and appeal are unparalleled in the A share market.If the suggestions were bad, I would have to bear the responsibility.
On the contrary, it s Big A s rubbishness that has contributed to the popularity of Yixing Video.Due to the coincidence of the market and the combination of multiple factors, Yixing Video has become a special emotional counter indicator target in the A share market recently, and the consensus among various funds in the market has been continuously strengthened.
The company s performance has been cut in half. Instead of laying off employees, it is still expanding its employees.He immediately looked at Fang Hong and said I see. In a word, if the so called decoupling trend enters in the future, the largest importer of goods What Is Psychogenic Erectile Dysfunction (Impotence) | साइकोजेनिक नपुंसकता क्या है? [5WIxR2WfDbV]
in the United States will gradually transform from a big country in the East to a country in the east.
This was internal confidential information. Chu Changxing personally came to Jingxinju Villa to report to Fang Hong in person.As of the close, the culture and media sector finally fell back to 4.
5 billion for the insurance sector. The remaining half of the funds will go into building materials, cement, engineering, Coal, rare earth, non ferrous metals and other sectors
End of chapter Based on the current situation of the A share market, the 20 billion new liquidity injected into the market by Qunxing Capital can definitely push the index into a positive line.
BYD was hit by the daily limit today. If big finance is not working, the index cannot lift.You don t know where the water from the excavation will flow.
The purpose is to ensure that it is truly useful and practical, thereby enhancing the user experience.Even if the capital allocation is cut in half, it will still be the responsibility of Quantitative Capital Charlotte's Web [IR71MxlMmMS]
to Wall Street, and the 25 annualized return will have to be compensated.
Many viewers in the live broadcast room have been to some zoos, and they were surprised to find that the specifications of this private venue were more than one or two levels higher than those of those zoos.As the founder of Star Capital, Fang Hong is like this.
The reason why the leaders of the Internet giants have taken such action is to deal with the giants on Wall Street and the consortium behind them.Cao Chenghui put his cell phone aside and sat back in the boss chair.
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Capital fell out, and they had nothing to do, so they really became the takeover.Upon hearing this, the trader said decisively Hey So unruly Then just light up the fire and pull up the board to show him.
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good mood.The holders win every day, the short sellers can only watch, and the cutters are getting worse.
In addition, there is visible good news. European and American stock markets surged last night, and there will be no negative news from the external market.Tian Jiayi added North America has lifted previous restrictions on equipment such as lithography machines and restored it to the status quo before March 10.
Stimulated by multiple good news, Big A also had a good start in April.Cooperating institutions such as Zhongtai Capital and Perennial Capital have helped Qunxing hold a lot of shares on their behalf.
Being in the form of junk stocks can only fully prove that A shares are indeed junk.
After the strange phenomenon of heaven and earth appeared again, they rushed over together and forced Master Guihe to enter the Jiaolong Cave to search for treasures with them.He didn t expect that there were so many people deep in the cave.
It is getting smaller and smaller. When the foundation building is completed, it is difficult to break through by yourself.Qin Ruyan and Kou Yuchang didn t know what happened.
This Wan Fengshan is really too powerful. Qingyang quickly took a step back and left the range of Wanfeng Mountain.The corpse eating mother worm crawled out from the soul stricken Nascent Soul skin, stood on the top of the skull, and let out a mournful scream at the group of corpse eating insects below, and then the entire group of insects responded in unison, as if they were worshiping them.
On the ninth floor, knowing that this should be an amazing skill, Baimei Ghost King couldn t help but ask One horned Ghost King, what kind of skill is this soul burning technique that is so powerful The one horned ghost king said Soul burning technique It is the same type of spell as Burning Blood.
The One Horned Ghost King didn t need to explain. The monks in Fuliu City had already figured out the reason for this action for him, and they regarded him as a god transforming monk.We can t let everyone s work go in vain in the end, right The Fuliu Ghost King repeatedly questioned himself, and the Giant Ghost King was very unhappy and said You all came Losing Fat and Gaining Muscle ( [xRuOj-UWLDi]
to Shenying Valley voluntarily, and I didn t force you.
He said before that I was willing to spend a lot of money, but I didn t expect that you yourself went even further.Although the ghosts in the Hundred Ghosts Map are all phantoms, they all require Qingyang to use his true skills to defeat them.
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the previous harvest, it was filled with talismans.
No matter who they are, they have the possibility of being elected.I didn t expect this strange Jindan cultivator. It is really unexpected that Brother Dan can persevere until now.
Could it be that two years have passed and Warcraft has gone Anti collection automatic loading failed, click mode, please install the latest version of the browser aoncickdividdiv Master Heyi said very generally, but Qingyang could hear it.Anyway, as long as the facilities needed by the monks are almost there, Even if there is none, there are still many servants of the City Lord s Mansion waiting outside the mansion.
In addition, the place chosen by the Alcoholic Bee is relatively remote, and he specially blocks the aura when preparing to advance.