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.
Diseñado para que sea sencillo e intuitivo para los clientes, Hitachi IoT Appliance ayuda a los usuarios a lograr rápidamente sus implementaciones de IoT.
Las industrias de transformación de un país son las principales piezas de este juego mundial. es donde encontramos los principales esfuerzos en innovación y desarrollo, concentración y ampliación del conocimiento en ciencia y tecnología, modelos y procesos de negocio, metodología y disciplina.
Acompañar activa las neuronas llamadas espejo que contribuyen a que entendamos el dolor de otras personas, a tranquilizarnos y hacer que los otros se sientan comprendidos.
If the efficiency will be lower, I just can think of it myself, Cao Songren can think of it, and others can do it.Lin Haoming said forcefully. Seeing him like Activegenix Cbd Gummies Reviews Quality 9200 Benefits User Feedback More this, Kang Bai seemed to have no choice but to let people look at Lin Haoming first, and contact his superiors himself.
Can you tell what kind of boat Hanhu is Ning Shuai asked directly.Are you crazy You want to give everyone hope. Lin Haoming hesitated.
General, you may not have experienced the island change, and I haven t said it carefully before.The hands of those kings and demons seemed to be very weak, but when they saw that the kings and demons were not finished, and even the armor I represented hadn t changed hands, there was no resistance at all, so Lin Haoming launched an attack, just Thinking of fleeing in seven places, under Lin Haoming s siege, naturally a few people escaped.
Instead, Chen Qi would remind Lin Haoming what he should pay attention to.How does he compare At this time, Fan Kongxing cheered up and asked Lin Haoming.
conspicuous look. Lin Haoming knew that this should be a storage bracelet all the time, but unfortunately, his mana had been accompanied by the time to unseal the beads before, so there was no more, but Lin Haoming was not worried, but opened the box Hu Lanfei gave him, and took out the mana fruit , eat it directly.
The ship turned around, and at the same time everyone was ready for battle.It looks like you re asking him, isn t it Lin Haoming asked.
Che Guangyao sighed. Lin Haoming also laughed when he heard it.She no longer responds to threats. It will be dark in two Finding Restful Nights With Thc Gummies To Sleep 321 For Adults A Comprehensive Guide Uiwto hours, and after dark, everything will be hard to say, but these people, even the woman, are extremely smart, and they didn t want to run away, obviously they wanted to wait for the dark to escape.
A few days ago, Interior Minister Feng Natures Leaf Cbd Gummies Review Benefits And 72422 Taste Shijian ran up to Ning Shuai holding a piece of plain silk.Living there is a waste of manpower, but Lin Haoming will say less, and I have no problems.
Lin Haoming looked at her and said, Do you really want to die You hurt your leg here, it s no different from death.After the black water was sprayed out, it turned into black rain and fell, dense enough to cover Lin Haoming.
Touch At that time, before the boat fired, the opponent s ship fired first, and as soon as it fired, the artillery was violent, and in the first round of design, a few damaged shells exploded below the deck up.The bad thing is that Xiaojia has just learned to practice, and for Green Spectrum Cbd Gummies Reviews How American Millennials Found Success In Weight 43351 Loss a while, a small number of people are still thinking about it.
There should be no cause and effect after all. after all, the task must be carried out once every three hundred Bloom Cbd Gummies Cost 81 Benefits Reviews And Comparison years on the sixth floor, and the time is very loose.The middle aged man answered immediately. Exorcism How to exorcise evil spirits Lin Haoming asked.
The marshal will do his best, and the concubine will do her best.Er hates it, but after all, you are these two men. Before the novelty gradually wears off, in order to maintain his status, Xie Honghuan chose to leave to work for Yang Improving Sleep 263 Quality With Chalene Johnson Sleep Gummies A Comprehensive Guide Ogkbb Er, but in the eyes of Lao Shui, Xie Honghuan is just a tool.
Competing for Sister Hu may make him play that kind of stupid.Go and try. Lin Haoming thought for a while and said proactively.
The villages at the same foot of the mountain, life here is obviously more difficult, and he doesn t know what will happen further north.Such thoughts made Lin Haoming ask He doesn t have any formulas yet, can he cast mana If not, there should Menstrual 0552 Cramps Relief Say Goodbye To Pms Symptoms With Cbd Gummies be no new Dragon King long ago, and you think that has nothing to do with the Dao of Heaven.
Where these waterspouts passed, even some mountain peaks were directly destroyed.After a while, he said The Queen will help you to predict the good or bad luck of this trip.
Once again locked by the terrifying air machine, but with the previous experience, Yi Zhibing was not afraid, but laughed and said Don t waste your energy
Before he finished speaking, he suddenly heard a crisp sound, and then Looking down, he saw Cbd Gummies For Diabetes On Amazon Toprated 629 Picks In dense cracks appeared on the jade pendant that No Sleep Gummies Reviews A Comprehensive Guide 839 To Better Sleep Tyrdj had protected him countless times before, and it was completely shattered in the next second.
Yan Lai. What do you object to Wang Wuxie s face was a bit ugly, and today he was refuted by these juniors one after another, I don t want to lose face Just because he took a deep breath, he pointed to Zu an and said, The others are all highly respected seniors in the Jianghu.Originally, he was just escorting Yu Yanluo and was only planning to pass by, but he didn t know that Finding The 882 Best Cbd Gummies Delivery Near Me Options For Convenient And Reliable Access he was playing so big here.
Looking at the man with the bow and arrow, she was very surprised, she never expected that High Dose Cbd Gummies 4900 Benefits Dosage And Wellness Integration it was Zu an.While thanking, Zu an took the opportunity to ask Are you the legendary ten witches of Lingshan Several people laughed and said So you have heard of our name.
Yan Xuehen s expression was dignified. At this moment, she noticed that there were many eighth rank and ninth rank assassins.But the most powerful ones are magic weapons. Anyone who has seen them can be transformed into magic weapons.
Several people discussed together for a while, and all kinds of information about Mr.These people They all fought against Yao, but after many years of fighting, they were all defeated.
Just because you lost And lost so badly I just said that this little boy has no skills, he only knows how to be handsome all day long, and now he has become the fifth chief disciple in history to fail Is 33219 Hemp Gummies The Same As Cbd Gummies in the group stage
Rumors came from around, just because he was already seriously injured, he heard that he couldn t live in the heat, wow, a mouthful of blood spewed out, and the whole person passed out directly.
The hearts of the people in Zu an were shocked, especially Yun Jianyue and Yan Xuehen.The emperor couldn t stop it. If it was that kind of power that sent down Heaven s Punishment, it would indeed have such a high power.
There is only one champion, and now there are three left.Fortunately, after the sprint just now, it is now very close to the shore, and the anxious faces of the three women can already be seen clearly.
Xie Daoyun trembled all over, and her pretty face turned red at a speed visible to the naked eye Where
there is no lover, Miss Chu misunderstood. Naturally don t believe her words.After speaking, he walked away in a daze, and his figure quickly disappeared.
But considering Zaan s fist, he still looked away from Yu Yanluo tactfully.Master Zu is indeed worthy of Master Zu. Facing a woman with such terrifying strength, he was so calm and composed.
As he spoke, he quietly glanced at Yan Xuehen not far The Versatile Benefits Of Cbd Oil 89099 From Anxiety To Pain Management away, his heart full of regret.At first, she was forced to listen to it all night, and wondered how the elf princess s delicate body and bones could withstand such tossing.
Everyone was in an uproar. They never expected that another big upset broke out in the field.He felt a little parched, thinking of Bi Linglong s Who Sells 7623 Cbd Gummies For Sleep Best Options And Reviews warning, he sat upright and tried to push her away, but who knew that his hand was stuck into a ball of cotton, he said awkwardly Do you believe me when I say I didn t do it on purpose The queen smiled coquettishly Of course I believe it.
The emperor and the king of Qi twitched, Which pot is this guy They were indeed Yu Yanluo s servants back then, and everyone wanted to pursue her.Even with the blessing of the formation, the entire arena ground turned into a sea of fire, no matter how good Qiu Honglei s body skills were, there was nowhere to dodge.
The voice said proudly, Obviously explaining so much has given him a lot of face.Zu An thought that it was Will Gummies 0827 Help Me Sleep A Comprehensive Guide To Sleep Gummies Ftyjj so, the traditional Chinese characters on Lingshan are rain , there are three mouths in the middle, most never expected that the legendary ten wizards of Lingshan Mountain are actually ten wizards on Wushan Mountain Wu Xian felt that his reaction was very strange, and when he was about to say something, suddenly a burst of golden light descended from the sky, all kinds of fairy music sounded, and a vast and unparalleled power descended.
This monk has a subtlety in his roughness, and he actually saw the weakness of their formation from the attack just now, so he launched a targeted attack.The senior leaders of the major sects have no objection to this.
The terrifying kendo breath soared into the sky. Elder Wanchu waved his palm and took out a golden sledgehammer, like pouring gold.Like a vast ocean, sweeping the entire world. Not feeling this breath, the expressions of the two youths below changed, and they quickly backed away to distance themselves.
Could it really be a dragon This guy is too heaven defying, why do I feel that his aura Best Cbd Gummies Gold Bee 94 Review Why American Women Prefer Them For Anxiety Relief is not weaker than that of the Nine Turns Heavenly Sword Exclamations came, obviously, Everyone was shocked by the dragon shaped sword shadow.He snorted coldly and punched the sky with his fist.
This time, he lost his Cbd Gummies 2222 Mexico Laws Benefits And Where To Buy temper. Although the other party is a monster, just a snake, but its strength far surpasses him.Then the other two tasks he asked subconsciously. The other two tasks continue, and the other two mountain peaks can also be entered.
The two flames became even brighter, as if the fire of the gods was burning.Damn beast, dare to block my son s way, die to me The long blue knife in the sky turned into a stream of light, and slashed at the dark red dragon.
The extremely powerful Tuoba family was so reprimanded that they did not dare to raise their heads.The Spirit Fire King s expression was icy cold, and a murderous intent appeared in his eyes.
Go to ask the queen mother, the person invited has arrived without the eldest prince.Lin Xuan, thank you this time. After I become a saint, I will definitely thank you well.
Huhuhu Elder No. 1 slid his hands, and suddenly the terrifying light of chaos shone, forming a huge palm of light, tearing through the void.At the same time, the magic sword in his hand was slashed out crazily.
This speed of getting rich made everyone extremely jealous.They felt that Lin Xuan was too arrogant. In the crowd, those disciples of the Tuoba family also sneered at this moment.
Then I will deal with the boss. Who do you think you are, and you want to send me out of the game The third prince sneered disdainfully after hearing this, since you are looking for death, then I will fulfill the third prince.And the eldest prince asked in a deep voice, what s going on, how did you Cannabis Gummies With Coconut 81 Oil Benefits Recipes And Safety lose He still can t accept this fact, but Li Wang said in a deep voice, it s soul power, the soul attack he used, I didn t expect , and no defense.
At this moment, like a god of war, he did not back down at all, but rushed forward instead.Om Lin Xuan is urging the Demon Breaking Sword Formation, and suddenly one after another sword energy rushes out, like a huge blood dragon, dancing quickly.
It seems that I should think from the other four peaks to see if I can provoke others to kill this guy in advance.Master Tianhe, King Duobao, you two just take me to Liuli Palace once.
Then pierced through the void and grabbed the rock giant.However, they guessed that it should be an illusion, so their faces were gloomy.
It is estimated that in the future, I will not be able to lift my head.Lin Xuan s cold voice resounded in all directions, echoing around like a killing god.
However, although it is fifteen kilometers, the fifteen kilometers are a mountainous area with an altitude of Cbd 151 Gummies To Help You Relax A Comprehensive Guide To Finding Calm And Serenity Hkove more than one thousand and two thousand meters.The production method is also very simple, as long as the napalm is poured into the wine bottle and then stuffed with a cloth strip.
They fight, if the devils come from the south, we will use the reverse slope to fight with our own tactics, it is not difficult to change the forward slope fortification to the reverse slope fortification, all that is needed is some small changes Li Yunlong was stunned for a while, and then said hehehe It makes sense.
If you want better equipment, you need copper and iron.So, the Type 1 tank he just transferred from China
But after thinking about it, Okamura Ningji felt that he was worrying too much.
When talking about this to Zhang Wanhe, he just said that it was a bit of an accident that he didn t expect Mars to jump so far.So the general counsel soon learned a terrible reality Mao Xiong lost most of the air power at the beginning of the war.
Almost forgot Then Xie Baolin took a bag wrapped in clothes from the guard and put it gently in Wang Xuexin s hand, saying These are a few bird eggs that the soldiers took out, and they were reluctant to eat them.Brother Yunlong Chu Yunfei said, Before we evacuated from Yuncheng, there were a batch of copper and steel smelted in iron and steel factories and copper smelters, and they were buried on Zhongtiao Mountain because there was no time to take them away
Li Yunlong s eyes lit up , asked How many Good guy, steel and copper are things that the Eighth Route Army urgently needs.
For example, go forward for a while and then go back the same way, and leave a few people behind to erase the traces after taking a fork in the road.If, like Yingjiang, both snipers are equipped with sniper rifles, they often have only one option to retreat when facing a squad of enemies at close range.
Wang Xuexin took another map, and said This is a year ago.situation Although Li Yunlong didn t speak, the excitement on his face was gone.
As soon as they arrived at the base, they complained to Sun Erwei This is crazy, those are not roads at all.Molotov cocktails are actually not only suitable for attacking bunkers, but also suitable for indoor use.
One thousand yuan is not enough, ten thousand yuan Ten thousand yuan is not Best Dose Of Cbd Gummies For Sleep 93768 A Comprehensive Guide enough, one hundred thousand yuan
There is always a suitable price for people to take the initiative to send supplies to the Eighth Route Army, and even the Peaceful National Founding Army and imperial soldiers who are responsible for the blockade mission are likely to become accomplices or directly participate
as long as you do it once, you can get a lot of money.
You can just sneak into the airport Sun Ming frowned and said, I m afraid it s not that simple.Captain Li, the situation is different now, we can t look at people with old eyes Wang Xuexin objected The reason why Yan Laoxi abandoned the city before was because the flank was broken by the devils, and the second was because he was stationed in the middle.
They joined the war at the end of the war in World War I, and the war ended just over a year after they joined the war.In this way, even if the anti tank gun only has a range of 100 meters, it is no problem to seal the city gate.
What they seek is to exchange the smallest cost for the greatest results.The situation is very different now. At this time, the Eighth Route Army had already formed a line of defense on the front, and with the line of defense, there would naturally be flanks, so Cbd Infused Lube Reviews A Comprehensive 49 Guide To Enhanced Intimacy And Relief Laoay the impact of the fall of Zhongtiao Mountain on the Eighth Route Army was magnified.
After all, the Eighth Route Army only has ten T34s.At this time, the multi functional engineer shovel is a magic tool.
Although it only has 60 shells, due to tactical considerations, each shell is equipped with a small cannon.According to the military rank and the discipline of the army, it is indeed wrong to be disrespectful to the superior.
This approach seems unwise, as it would make him unable to maneuver.For example, Yunjing City is a fulcrum for nearby supplies and maintenance.
Under such circumstances, if Yingjiang wants to play the role of the fighter faster and better to maximize the benefits, of course he should choose the stubborn army instead of the Eighth Route Army who has nothing and needs to start from scratch.However, this does not seem to be a big problem for the independent regiment, because the bolt Edens 430 Herbals Cbd Gummies A Comprehensive Review Of Benefits And Effects Bzdqg type rifles are similar, not to mention that the Mg Cbd 70703 Gummies Benefits Side Effects And Reviews Zhongzheng , 38 Dagai , and Citigroup Zhongzheng are all imitation Mauser rifles.
Before the war, the stubborn army has raised a batch of funds that 96986 Green Acres Cbd Gummies can be used to buy fighter jets.The other five were sent to cooperate with Wang Xuexin, and two of them could speak Chinese.
Por Alejandro Saracho, experto en finanzas personales; autor del libro Reconfiguración financiera.