10 metas financieras para el 2018

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.

 

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That s all My Professor Du, aren t you trying too hard The next day, as soon as they met, Lao You immediately started complaining, like a resentful woman.Fortunately, fortunately, now we have to see if the rib is okay.

He turned around and glanced at his cousin. asked blankly, What do you mean The little beauty blushed with embarrassment and lowered her head, not daring to look at Du Heng, while Li Qin said angrily, The breasts are just too small.At the same time, Lao You was okay, How To Take Goli Gummies Cu8nhca For Maximum Weight Loss Benefits and he didn t show any surprise when he saw black blood coming out of the patient s body.

The same is true for bloodletting. Although bloodletting therapy involves puncturing the skin of acupuncture points to bleed, he does not know which acupoints can be punctured and which acupuncture points cannot be punctured he does not know what kind of patients need bloodletting.Nothing really happened, it made him very embarrassed.

Some people find it difficult, but others feel like they have found a treasure.The crying of children, especially the crying of children over three years old, can make people feel inexplicably irritable in their hearts, especially the kind of crying that is a little bit hysterical, which can make people lack the most.

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After you left yesterday, I was bored at home alone, so I went out to play chess with my neighbor s brother.Originally, stronger stimulation in some places would have a better effect, but considering the old man s body and the acceptance of the people around him, Du Heng chose the most prudent method, medium and weak stimulation.

Remember, you can only take one per day, and it must be eaten with food, otherwise it will aggravate the condition.People have to look forward after all. But God just didn t want to give up torturing Wu Chengming.

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If the strong man s reaction is obvious, then grab a few more times at the position you just grabbed.Du Heng stared at Director Qi seriously and said, That s all I have to say.

When Yao Youshi heard this, he chuckled and teased, Well, this knot is quite Lainey Wilsons F03y Weight Loss How She Transformed Her Body big.Seeing that the time to detain the suspect was coming, Captain Zhang suggested it at that time. Speaking of Captain Zhang, Wu Shengnan suddenly paused, and his expression became gloomy.

Thank you, thank you for your encouragement. Can you sign it for me The young man was a little nervous and took out a pen and a notebook with a Sailor Moon pattern on it.He wanted to open his eyes, he wanted to shout out, he wanted to move his body, even if it was just moving his fingers.

Du Heng grabbed it, but what Du Heng didn t expect was that Lao You fell so hard Where To R8pe Buy Keto Excel Gummies The Ultimate Guide that he took his body with him directly.The father in law once again helped himself out, Why do you always embarrass your child like this Isn t it normal to get wrinkles as you get older The mother in law was not ready to endure it this time, and turned around.

But what a coincidence, my cousin is just short of that material.Wu Shengnan also tilted his head and looked at the situation in the living room.

But in the end, he just said leisurely, Thank you, teacher, for causing you trouble.It was Du Heng, and she seemed very surprised. But just as she was about to speak, Du Heng spoke first.

It s very intense. If you don t work hard. it will be too embarrassing for you in front of your uncle.How about letting the old man change the time Du Heng just thought about it, and then turned around to find the director of the outpatient department.

And another point is that the things he has thought about are basically based on him.Yes, yes. Wu Shengnan seemed to have just woken up, let go of Du Heng s arm, stepped forward and pressed the emergency button in the elevator.

And this also made Du Heng s already bad mood even heavier.Okay, then hurry up and go. Zhang Shiping was a little disappointed, but he still let Du Heng leave.

And the door to door disciples are neither humble nor overbearing, and firmly abide by their responsibilities.Let s go to the second floor Lian Qingxiu said lightly.

Sooner or later, it s secondary.The key is that I have gained a lot.Because I have never heard of the name Shao Nan.Decades ago, Shao Nan was chased and killed by the Twelve Fanxu joint names in Unlock The Secrets Of Kelly Clarkson Keto 6g9 Gummies A Comprehensive Guide Tianji Sect, which caused a whirlwind in Lvze Prefecture.

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As Shao Nan moved forward, the air waves became hotter and hotter, and Shao Nan felt that his eyebrows and hair were a little browned.At this time, it shows the gap between the disciples of the sect and the disciples of the general sect.

Senior, please help me block the people who are chasing after me.Min Haoyan s matter seemed to take no time, but in fact it was Discover The Secret Hcx3d Diet Plan To Lose Weight And Keep It Off delayed by Lan Yuanzhou for a long time.

However, the dozen or so who saw the crazy attack returned to the void.In the future, I will definitely devote myself to flying swords.

Here is the legendary five spirits and phoenix fire.Jiang Yingxun said helplessly.Hope is too small. But that s the only way to go.Tang Guanglin originally thought so.

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Looking at the terrified appearance of everyone in the sect, Shao Nan thought that the sect could not be saved.It How To 449lr4 Mix Apple Cider Vinegar For Ultimate Weight Loss Results could only be attributed to the final stage of the Fire Control Competition.

You really don t like it.Understand formations.With Shao Nan s control, the Xuanlei Yuanhuo Formation finally stopped its decline and stabilized the situation.Although Shao Nan took the elixir to increase his explosive power, his speed was still a bit slower than that of Zhenjun Fengliang.

Never expected that Shao Nan s talent in refining weapons would be so monstrous.There is nothing wrong with this test.Must be number one.

What is this Shao Nan quickly asked Xiaocao er.I know what s going on Xiaocao er exclaimed suddenly.The legend of success in foundation building before the age of one.

The three Huixu Zhenyi knew very well that if they want to survive this test, it still depends on their own efforts.Min Haoyan couldn t afford this.Mr. Nephew Min, I don t know what you want to say.What s going on Of course, True Monarch Bengshan would not miss this opportunity to vent his anger.

It s too late.The terrifying black shadow obliterated the attacks of the two, and directly stabbed the protective shields of the two.There is no time in practice, five or six years in a flash.

Now there is another volcanic forbidden zone that only Huixu Shinichi knows.Maybe many groups of people have entered the cave a long time ago.

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At this moment, before the other Yuanying Zhenjun responded.But at this time, An Xiaoshan took the initiative to walk out, which happened to be in line with the wishes of the elders.

If someone follows, it should be completely exposed.After all, it is my own life saving benefactor, and it seems that Shao Nan is not a bad person, Chai Jingming Without any hesitation, just tell the truth.

Shao Nan and Xiao Cao er did not hide anything.The thing about the Sacred Fire Glazed Tile School.Some monks thought that only 5,000 monks could be named on the list.

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But when he arrived at Liao Quansheng s place, he discovered that this kind of thing was actually easier for outsiders to handle, especially for people in society.Seeing Zheng Yuancheng, Lan Changhua and others who were also coming, they scolded with a dark face, I don t know which bastard recommended me to attend this bullshit welcome banquet.

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He went to the first hospital, and he made phone calls to contact him about specific matters.As a third generation ancestor who lives in the capital, he must know something, but I don t know if he can tell it or not.

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What was even more unexpected was that Li Qin s next words almost made him choke to death, So, take it off and let Professor Du take a look.Such an opportunity is rare for students like them.

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Wu Yuan, is having a conflict with the higher ranking officials from the Ministry of Etiquette. He is standing on the stairs. The one on top is the right minister of the Ministry of Rites, who is considered a serious and important minister of the Great Li.The young man finally chose to leave in silence. Ning Yao frowned and said, At first glance, I m here for you.

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The reason why you and I can form an alliance today for mutual benefit and mutual benefit is not because we fell in love at first sight and had the same congenial spirit.During this period, if anything happens to the town, please ask Mr. Li to find Xiuxiu and ask her to pass the message with her flying sword.

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She was just so alone. breaking into the town. Not far from the alley, stood a young man in brocade clothes.When I first met him that year, even though he was beaten to the point of vomiting blood by the people on Fulu Street, he didn t even say a word of submission, and just kept carrying it.

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After walking around another street, Chen Pingan heard the familiar sound of reading not far away. There was a rural school there, which was jointly opened by several wealthy families in the small town.Chen Pingan asked Is there anyone else who That s the tall, young woman. you like her Chen Ping an at the door smiled, not taking it seriously at all.

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With the huge rebound force, his whole body shot towards the opponent on the ground in the distance, which was similar to Chen Pingan s previous plot.It seemed that after waiting for a long time, he finally came to a really interesting question. He clicked his tongue and said The dispute between the great avenues is not as simple as exterminating families and annihilating people in the secular world.

Zhu Lu s face was Green Tea And Apple Cider Vinegar Fast 0bwfkxe Weight Loss Recipes gloomy and aggressive, If it were cheaper, we would have to live in that dirty place with fireworks and powder Chen Pingan Have you ever thought about my young lady and Lin Shou How can I, who is half a Confucian and a student of Cliff Academy, live next to those immoral women Even if I can t see those disgusting scenes, I will always hear some unbearable and disgusting sounds Chen Pingan gritted his teeth.

After saying this, the Confucian scholar laughed at himself, what is so valuable about Qi Jingchun s disciples now There was a room full of elementary school children, and each of them received a stipend, which was only 300 yuan a year.I was so scared that I broke out in a cold sweat. I was actually on the roof just now. I didn t dare to show my head. I was afraid that you would be distracted, and I was also thinking about whether I could shoot an arrow at the old ape.

Wu Yuan He plucked up the courage to ask, Sir, can you give me an example Cui Chan led Wu Yuan to the large red lacquer table under the plaque in the main hall, and said, For example, you and the daughter of Yuan Shangzhu s country are now in love and entangled.Chen Pingan accidentally caught her naughty behavior. The little girl was so frightened that she ran away.

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Looking up, it turned out to be a tall man wearing a snow white robe. He put his hands behind his back and put his hands on the white jade belt on his abdomen, looking into the distance.It was the boy who seemed innocent but was actually a hindrance. So she raised a palm again, covered the boy s heart, and pressed it gently.

Did you choose it Chen Ping an was a little embarrassed and unwilling to tell the reason. At that time, Chen Pingan was spreading the map and was hesitant about which mountain to choose.The young man was confused. He asked Chen Pingan to wait, and strode towards the house. When he came back, he had a pile of envelopes in his hand.

He used some money to repair this house. Although he had lived in this Mud Bottle Lane since he was a child, Chen Ping an had never seen anyone living in this house.