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.
Es imprescindible la colaboración entre ciudades: Que cada una de ellas comparta su experiencia y casos de especialización con las demás a través de un modelo lean start up.
The small Liuyan sword formation formed was enough to crush the peak Nascent Soul stage monk But at this time, Lu Yu s face remained unchanged, calm and indifferent, and he was strolling around the court while being chased by the nine Liuyan puppets.If it weren t for Lu Xianzun, no one would have been able to obtain this Red Flame Spiritual Milk under the hands of Zhao Xiong, Du Huarong Beauty Sleep Gummies Reviews: A Comprehensive Guide to Achieving Restful Sleep and Glowing Skin (Vmjuw)
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Because now, it is no longer a matter of martial arts competition in the Baijiang Conference The fall of the two talented disciples of Zhou Tianqiu and Gong Haobo from the two major immortal cultivating sects was an unprecedented change for the Baijiang Conference in hundreds of years This is a major event in recent years, second only to the burial of many Tianjiao, Ye Tianzhenjun and others in the Emperor s Constellation Star Sister
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bags to store rings to help you transport them, but fly in the clouds and mist themselves.He felt a little anxious and said quickly Master, although I wish that the Shui Jing Sect would be destroyed now, it is a second level sect in the world of immortality.
Brother Lu Ziji, I ve finally waited for you. We really have a good understanding
The person who came was the girl in red, the little princess of the Western Wilderness Kingdom, He Yan er Lu Yu looked at He Yan er with some surprise and said with a smile Yan er, what are you waiting for me here for Brother Lu Ziji, of course it is to save you.
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looked at the fearful and desperate expressions of everyone in Luofeng City, and said arrogantly and wantonly Feng Yao, you are such a shy turtle.Sacred weapons are difficult and very rare. Just like the Lord Huoyun who broke into the secret realm of Lord Liu Yan s cave before and was restrained and killed by the formation, he also didn t have a sacred weapon, otherwise he might have been able to escape.
Now he has reached the completion of the Yuanying stage, and he still has the strength of the Void Refining Dao Lord At this moment, Qian Rendong no longer deceives himself.However, instead of relaxing, Lu Yu s expression became more serious The next step is CBD Gummies at Walgreens Pharmacy: Benefits, Reviews, and Availability
the last thunder disaster It was difficult for him to interfere in this kind of thing, otherwise the alchemy would fail.
Su Jiahui gently leaned her head on her mother Xu Xinru s shoulder and murmured in a low voice I missed him, no one else to blame No one else to blame
In this life, our fate may be gone
But, that pair of Her beautiful eyes were extremely red and sparkling Next to him, Su Huiyuan was also sullenly drinking.
Fairy Luoyue Gongmi was controlled by Lu Yu at this time, and she was also planted with a soul mark.If you don t tell me, I will destroy you with the next whip.
so the Xihuang Kingdom should not be moved lightly Although Sheng Hua Zong has not ended up, the old guy from Sheng Hua Zong has always been very deep in the city.
So, Duke Liang s request is visibly better than Duke Wen s.Of course, even if they stayed, it would not matter, they would just have more people to work.
The Taiyin energy immediately struck towards the Rakshasa girl.This shows how long Cangshan Nine Cities have remained in this vast wilderness.
Luo Qingqing continued You haven t been in trouble again, have you The paper man looks like a monster at first glance.Looking from the side, it was the little girl Yu Zijin who was waving to him.
Soon, Su Ye entered the private room of the tea house.This is one of Su Ye s prescriptions for refining the elixir needed to build the foundation.
There are all kinds of goods
Su Ye interrupted You don t have what I want here, so I need you to collect it for me.It s a bit vulgar, but it can make the Dali Temple minister straighten his back.
In the end, all the spiritual energy gathered around Su Ye and entered Su Ye s body.At that moment, the two of them had a good connection.
But in general, if the elixir is cultivated normally, it can be successfully cultivated if the elixir has the same efficacy and the age is reduced by 60 to half.The clerk looked at Su Ye s sincere look and suddenly realized that Su Ye didn t seem to be kidding him.
He looked at the holes in the wall and gasped instantly.After all, the last time he grabbed the treasure at Bingdao Mountain, Su Ye jumped up and down to collect things while there were many people.
But
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Su Ye was stunned You said you didn t know how. Chen Xiandao You said you can watch ghosts at night, I thought you could.It becomes brighter. Therefore, among the nine cities in Cangshan, many people came from the first three cities, and many of the herb collectors who had been hanging out in The Importance of Vitamin D Gummies for Adults: A Comprehensive Guide (DhXgW)
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Many students felt that even if the school doctor came, it would be of no use.And it s not just them
Cui Dapeng, Bai Yan, and Li Shiting are the same in the gymnasium.
Hey, hey, look, Lin Beichen s skin turned red all of a sudden It was like this yesterday, exactly the same situation
Everyone looked at Lin Beichen in the gymnasium with surprised expressions, and it suddenly dawned on them that the two lightning bolts that struck the clear sky yesterday might have nothing to do with Lin Beichen.
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He didn t have any expectations for him from the beginning, and naturally he couldn t talk about his thoughts about him now.
Wu Meng had been paying attention to the barrage in the live broadcast room.One in front and one behind, one young and one old, one tall and one short.
And
It s very common for things like this to happen in tourist attractions, and it s very common to help take photos or something.But
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He looked at Yunyun with a smile and said, That s great.Impossible After such an earth shattering explosion, Lu Ziji is still alive.
He was not a tough guy to begin with, but he was a little greedy for life and afraid of death, otherwise he would not have run away before and fled in despair.Her beautiful eyes looked at Lu Yu with complicated eyes.
Jinyang Sect Changyun Taoist also said urgently Master Huanyu, break these puppet formations quickly, otherwise we will not be able to bear it Everyone urged urgently.Gu. When Lian Peng saw this, the lightning in Willie Nelson CBD Gummies Reviews: A Comprehensive Analysis of Benefits and Effectiveness (LwboT)
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They will suffer heavy losses and it will not be easy to escape But at this moment, apart from those who died tragically, the most miserable one was Lian Peng, the genius of Shenghua Sect.But he was sincere. As long as he persuaded Lu Ziji and the seven major immortal cultivating sects, his reputation in Jingshui City would become great.
How have you been in Cangshan Sect this month Yeah, it s very good.And the other side. Ding Heng and others ran away desperately for a long time.
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Lu Yu had already settled his grudges by letting him go before.As expected of the Zhao family of Scarlet Flame Tiger, after overdrafting their bloodline, they have such terrifying strength Even Taoist Changyun, the arrogant Jinyang Sect s genius, couldn t help but look horrified and frightened at this moment.
Those who were taking a shower all shivered. Seeing Lu Ziji s indifferent and cold face in front of him, the ancestor of Xielu quickly stopped talking and said urgently Lu Xianzun, Xielu doesn t dare to play tricks on you I have indeed not found the heavenly road to other big star regions.
Por Alejandro Saracho, experto en finanzas personales; autor del libro Reconfiguración financiera.