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.
A través de estas apps los usuarios de GM México tienen acceso remoto a la info de sus vehículos mediante sus smartphones con el mismo usuario y contraseña del Centro de Propietarios.
Abordar estas cuatro prioridades estratégicas permitirá a los distribuidores enfrentar el futuro con resiliencia y adaptabilidad. La transformación digital, la mejora de la experiencia del cliente, la estrategia de talento y la gestión del clima empresarial son elementos clave para un crecimiento sostenible y el éxito continuo en la industria de la distribución.
On, la innovadora marca de ropa deportiva con sede en Suiza, ha dado un paso audaz hacia la optimización de su cadena de suministro al asociarse con Verity, un líder en inteligencia artificial y robótica.
Expo Cesvi 2018, como cada año, convocará a todos los participantes en la industria de la reparación automotriz, en especial la reparación por colisión.
Really That monkey is too badass. He definitely has the talent of a young emperor, and it is not wrong for Necromancer to lose in his hands.Lin Xuan s answer was very simple, another sword strike.
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If you want to get it, it will be a close call. Brother Chang, With such a big risk, my brother really knows how to settle accounts like before Lin Haoming said bluntly.Even if monks of the same level flew past, they might not be able to find the small island below.
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Lin Haoming was very pleasantly surprised by this scene, and immediately rushed up to check, but seeing Han Ningxiang who was also sleepy, he took out a piece of his own clothes and covered her body.Yinye and Chang Yuan also sacrificed themselves Treasure, with a look of covetousness.
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There is not only one poisonous dragon on the island, but another one.Shu Siyue was sitting on the bedside, and carefully supported Lan Qingyu to sit up, while Lin Haoming put a chair to the side of the bed and sat down, Yao Dong Bio Lyfe Cbd Tpnhkpmh Gummies For Ed Reviews Comprehensive User Experiences was standing beside him.
Although Lan Qingyu was seriously injured, Shu Siyue finished the examination in just a moment, and Lin Haoming also asked casually How is it This girl should have been shot through the lung by an arrow.Even in such chaos, Lin Haoming couldn t tell who was who, but even Mrs.
The size of a fist, as long as the quality is not too low, there is no problem in exchanging one Lin Haoming responded immediately after hearing this.Not long ago, his wife Wu Li revealed to me that he would At least the matter about her husband s violation of the laws of heaven, the subordinate officials are investigating, and the result is that they first assassinate the subordinate officials staff, Natures Boost Cbd Gummies Sqfw For Ed Harnessing The Power Of Nature and then directly set up an ambush against me Lin Haoming said.
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It s just that I didn t expect it to appear here again.It was just a random blow by two young men, which created such a terrifying momentum.
Sure enough, the three of them saw the Jade Talisman Ace and immediately chased it out.Boy, I advise you to surrender obediently, kneel on the ground, and hand over all the treasures.
On the magic sword in his hand, a dragon shaped sword shadow was entwined, and the terrifying power made the whole world tremble.And those people in the Nine Zero Pagoda were also not to be outdone, roaring angrily, vowing to find the people from the Great Xia Dynasty.
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Judging by the looks of the people around, they should have heard of the names of these two guys.Senior Brother Wan, come and let me offer you a toast.
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The two powerful men had unusually gloomy faces. It seems that you two really don t know how to live or die.
Por Alejandro Saracho, experto en finanzas personales; autor del libro Reconfiguración financiera.