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.
Un solo negocio puede tener diferentes buyer personas; esto quiere decir que el mensaje tendrá que irse adaptando al perfil y necesidades de cada comprador.
En un mundo donde la competitividad es feroz y la eficiencia es clave, el mantenimiento predictivo emerge como una herramienta indispensable para las plantas industriales que buscan mantenerse a la vanguardia en un entorno en constante evolución.
Desarrollar, mantener y mejorar la relación cliente-marca es un dilema para los negocios que están sumergidos en una gran cantidad de datos e inmediatez.
After all, it s a 50 discount. This advantage doesn t cost you any money.The Qiqi Chai did not come on stage. Gongzhi Yamato and Lu Yuening told them with their lives that they were not the Qiqi Chai s field.
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The total transaction volume of the two cities was 325 billion yuan, which was a record high in the recent past.Only They are most likely to smell it that quickly.
How can this intensity hit the sky and the floor again If the sky and the floor drop to the limit, I will eat the display screen
End of this chapter As time went by, after 14 00 in the afternoon, the reversal appeared again.Star Dads use their influence and network resources.
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If it is generally important information, then leave a secret message according to the method of Yin Yang Cave Heaven Passage.Once a person who practices the way of blood and energy fights with others, and the energy is involved 11 Amazing Foods to Eat Before Lovemaking to Last Longer In Bed Fast [d8hzB4jUNv8]
and the magic is confirmed, they will naturally establish an implicit connection, learn from each other s strengths and complement each other s weaknesses, and integrate the positive and negative.
It is actually one of the top forces in the Ziwei world.It is surprising that such a person can be among the hundred.
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tower. The so called pagoda here is not a tower like stacked columns, but a huge block made of earth and rocks with slopes on all sides.He stopped collapsing, making him look like a demon.
Amid the loneliness, there is also some naivety. Ma Ningyuan said Fellow Taoist Linghu.The medicine should be a good medicine that is guaranteed to be fake.
After closing his eyes and thinking for a while, Gui Wujiu opened his eyes, but frowned slightly.In fact, it was extremely inconsistent with the previous knowledge of the wood spirit clan.
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Great Monk Diao Zhuo, Great Monk Gan Bin, and Great Monk Luo Pei all accumulated a lifetime, which is just a top level fourth grade magic weapon.He didn t have any special feelings about the space receiving formation.
The appearance of the Ling Jade Spring Eye caused the Bansheng Cave Sky to shake slightly.At present, half of his one hundred and thirty six high grade monk elixirs are made from the high monk elixirs that he had to withhold from many commissions for elixir refining by great monks when he was at Zhongzhou Trading Company.
Sword Intent Chongxiao Pavilion is in the ocean and often encounters this situation.This is normal. The refining time of all his spirit treasures is not long.
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It would take a while for all the Liuguang Xingyun flying sword magic weapons to survive the thunder tribulation.The most important thing is that probably all the monks in the middle stage of Nascent Soul here do not believe that a sword cultivator from the Sword Intent Chongxiao Pavilion, a talented sword cultivator of the metal system, can possess the earth system magical power Invisible Yuan Magnetic.
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He shouted excitedly, not a little bit more. The appearance of a great venerable.The space gate is about to open, get ready the core monks of the superpowers said one after another.
Coupled with the runes that Li Shiming placed on the spirit pet bag that affected the array scanning, the formation did not find anything special about the spirit pet bag.This also makes the third grade sword based magic weapon also exceed The standard of third grade.
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Raphael and others also cast spells to collapse more rock walls, blocking the opponent s way.Gustave, right I m Linn, the messenger of doom in your mouth.
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He quickly turned his head and looked over. The person who came was none other than one of the few remaining bishops in the church.It is entirely possible to blow up the opponent or force him to stop the spell.
They passed various selections before they got the chance to pilot this powerful alchemy instrument There are countless people out there who want to take their place
Very good. If that s the case, then bring your courage and flying skills and set off Linn patted the shoulder of the nearest pilot, and a strong feeling immediately emerged in the latter s heart.
Or various exotic products. Almost every day, caravans of caravans would drag large sums of gold and silver into the city of fire and oil, and then leave with boxes of goods satisfied.The attack by two Sand Worms also revealed the surveillance of several indigenous people.
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The most important thing is that the opponent s strength seems to be pitifully weak.Hundreds of billions Hundreds of billions of civilizations, this unspeakably huge number, shocked Vittorio and Aurora.
This is partly because of the surge in computing power, which gave him the possibility to understand the four dimensional space, and partly because of his intelligent brain When he traveled back in time, his intellectual brain was quantized for unknown reasons.The wheels rolled over the earth and rocks, raising bursts of dust flying in the sky.
The most excited people are undoubtedly the graduates of the civilian college.After a hydrogen explosion, the amount of radiation nearby has returned to normal levels.
Por Alejandro Saracho, experto en finanzas personales; autor del libro Reconfiguración financiera.