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.
En los próximos meses estaremos emocionados de tomar las lecciones aprendidas en este vuelo para continuar el programa Aquila en su progreso y su fin de unir al mundo mediante la conectividad.
El conocimiento financiero es un imperativo para los gerentes de operaciones y cadena de suministro en el mundo actual. Hablar el idioma financiero no solo les brinda un asiento en la mesa de toma de decisiones, sino que también les permite influir en el rumbo estratégico y operativo de la organización.
El PHU-111 Wacom Clipboard es un smartpad que permite a los usuarios rellenar y firmar documentos al estilo antiguo, usando tinta en formularios de papel normales y convertirlos a formato digital en tiempo real.
By the way, Daddy, remember to say that you are suddenly free.If Mrs. Li is happy, I can be John Goodmans Pound Weight Loss How 32mp He Did It happy too With that, Li Shaoting lowered his head and kissed her lips.
Sometimes, she didn t even know what Ye Zixiu was obsessed with.Li Shaoting looked at his child, his eyes were red and shining with crystal clear light.
Li Shaoting was a head taller than Gu Ruoyi, who was as weak as a little rabbit in front of him.Gu Ruoyi smiled angrily and carried her son downstairs for breakfast After finishing the meal, Gu Ruoyi asked someone to take her to the shopping mall.
How dare Shao Nan use this critical moment.Almost instantly, Shao Nan s Langya Xuanyan Sword collided with the shadow along with a line of fire.This is the safest way Shao Nan thought of.Lan Yin took Shao Nan s jade bamboo slips and did not check them immediately, but explained to Shao Nan about En Lipo Pills Weight Loss Reviews 7z8hegy Tmi the fire control technique.
Seeing Shao Nan fail again and again and try again and again, Xiaocaoer tried to persuade Shao Nan to give up several times.For such a drama between the two, it would be nice to be able to stop Min Haoyan.
Shao Nan was very curious about who it was.Let these four people unite.To be continued.Chapter 408 It s not just Shao Nan who can t stop it, the other two Nascent Soul True Monarchs who faced the black shadow attack all released powerful spell attacks or magic weapon attacks.
The past few months have not been wasted, and almost all the fire control geniuses who will come to the Holy Fire Glazed Tile School have mastered the information.The mysterious metal was thrown Luxe Keto Shark Tank Wnb3r0dmc Redefining Health And Wellness into the mysterious space by Shao Nan, and Shao Nan didn t have any intention to open up the fifth dantian, but silently waited for Xiaocao er to give him a result.
Min Daoyou, this is your fault.It s fine if you bump into someone and don t apologize, but you still have such a bad attitude.As for Shao Nan, he first went to find an inn.Prepare to take a break, and then go around the major shops.
However, the materials needed for two cooking secrets can be obtained.With the speed of the carriage, Shao Nan estimated that he would not be able to reach Jiuli Mountain in less than ten or twenty years.
Not only the Sacred Fire Glazed Tile Sect, but anyone who came to the sect would not think that there were too many masters of refining equipment and alchemy in their sect.Chapter Keto Gummies Tim Noakes Expertendorsed Supplements For Ketogenic Success 8z8qf 434 Fire control Lanning Prefecture, Jinxingfang City.
Of course, Shao Nan would not miss such a good opportunity.A weapon that no one controls, and a weapon that is controlled by someone, pose a completely different threat to people.
But Shao Nan couldn t deal with it.To be continued.And this news is centered on several square cities, and it is spreading to every corner quickly.
Panting heavily, trying to breathe. The young boy is like an old dog at this time. The boy in Surprising E2f01 Ways Hypnosis Can Help You Lose Weight This Summer straw sandals had A Retrospective N19 Review Of Shark Tanks Keto Pills Episode red eyes. When he wants to seek justice from God, he becomes more like a dog.She felt aggrieved for no reason and burst into tears. When the straw shoe boy sat next to him and reached out to grab one of the tall boy s hands, Liu Xianyang, whose vision had long been blurred, seemed to be a little more energetic.
The five people then entered the house. The three men in black easily carried the boxes respectively.Dong Hu, the servant, was smiling all over his face, stroking his beard and said with a smile Your name is Chen Ping an.
People s hearts are evil, but there is something your Highness has done very well, Did Kelly Clarkson Lose Weight With Gummies Her L31 Weight Loss Journey Explained which is very much like His Majesty s style back then.When he was ten steps away, he shouted loudly, and when the young man turned around to look, Ma Kuxuan struck out with a swift and forceful punch.
The straw shoe boy subconsciously said Hello, my father Keto Apple Cider U5b2 Gummies Featured On Shark Tank s surname is Chen, and my mother s surname is Chen, so.
The young man looked a little embarrassed, but he quickly smiled calmly and said, My name is Chen Pingan The girl was fine.Fu Nanhua planted his feet on the ground and stood firmly in place. The mind of this old Dragon City young master was completely Chrissy Sf2dj2 Metz Weight Loss Before And After Transformation Journey blank.
So much so that later, when Chen Pingan weighed some broken porcelain pieces from old kilns on the market, he could tell which kiln mouth and even which master fired them.Our military strategist is an authentic swordsman The 6rfnij16 Ultimate Guide To Losing Weight In Your Face In Days A sword that can be cultivated can defeat all methods, and a sword that can be cultivated can obey the rules.
Lu Zhengchun s Activlife Keto P05l74351 Acv Gummies Reviews Does It Work What They Wont Say Nogy eyes suddenly became wet, and he choked and trembled Liu Xianyang, please let me beg you, okay Liu Xianyang was stunned.Ruan Qiong laughed, threw the wine gourd back, and asked You Why did it come so fast I thought it would take about ten days at the fastest.
An Apple Cider Vinegar Benefits For Weight Loss In Autumn Health Highlights 4ki ancestor of Zhengyang Mountain gave a sky high price to his face. But that family seemed to have taken the wrong medicine and refused to let go.The second level of the wooden embryo realm means you The body begins to gradually become thinner. When it reaches maturity, the texture of the skin is precise and orderly, like a seal engraved on the whole body, just like.
yes, just like this piece of snake gallstone taken out of the stream, and ordinary pebbles, the inside is actually already Completely different.
Qingshenshan to die in Aquarius Continent. Cui Dongshan still respects and trusts Mrs. Qingshenshan. Back then, the old bastard became a street rat in How Will Poulter Shed Pounds For His Role A Marvel Stars Powerful Vs03bg Weight Loss Journey the entire world.Mrs. Rouyan was somewhat envious of Mrs. Gui for being able to speak so freely with this sinister Yin Guan.
A bird in a cage, Ma Kuxuan was in the vast and criss crossing world of sword energy. He squinted his eyes and saw a gleam of light Kylie Jenners Weight Loss Secrets How 3zt9 She Shed Pounds suddenly appearing in the sky.I didn t understand anything, I didn t remember anything, it was just this stinky tofu that made the little girl in black greedy and longing for it.
Human relations, military affairs, alchemists magic, and rituals. En Kevin Jamess Weight Loss N84y Success Ipfn Ghosts, strange treasures, plants and flowers. There were only about 4,000 entries for night sailing ships at the beginning, but it has evolved to more than 4 million entries today.Wanyao Sect only has two or three people every hundred years. People who leave the blessed land often have good cultivation, so they are used to being arrogant.
The scales of the armor are continuous, and the edge of the armor is decorated with two bead lines. The beads in the series are round and full, and there are many broken arms.So Jiang Shangzhen planned to find some excuse to return to Aquarius Continent with Chen Pingan. Yang Pu s thoughts were wandering. When he was a child, he lived in a bandit s den on the mountain.
Chen Pingan nodded and said Over at Tongyezhou, the Shanshui Dibao controlled by Yunku Blessed Land, look back If you lend it to me, of course you have to settle the accounts clearly.I am not a Confucian child who likes to tie my own hands and feet. On the contrary, I came to the human world just so that I can stretch my legs as much as I want on that night boat.
Lu Chen shook his head at Lu Tai, with pity in his eyes, and said with a smile, You don t even understand this, how can you say Tao, and what can you tell me about Tao Look at you, you are born with a body of Tao.
Retreating to Seek the Sea, a Fire Dragon Master of the Ascending Realm, the Patriarch of the Baiyun Lineage, the Taoshan Lineage, and the Taixia Lineage are all protecting the path of a Cave Realm monk outside the cave door.