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.
El big data desempeña un papel vital en los procesos de toma de decisiones para las empresas, proporcionando información completa sobre el comportamiento del consumidor.
Este 2018, Panda Express y toda la comunidad china da la bienvenida al Año del Perro, un signo caracterizado por la armonía en la vida familiar, el patriotismo y la lealtad.
However, the next moment , but Lin Xuan sneered coldly, you don t even want to get it in your life.He is not too sure now. At this time, a person next to him said, Senior Brother Zilu, don t worry, Bai Zhen has already brought people there, and he should be there soon.
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Lin Xuan and the others went up and floated on the lake.These two people were also holy kings, but they were extremely miserable at the moment.
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order to protect himself, Yan Laoxi dug the railway while retreating, and even blasted the roadbed section by section.
He knew the abilities of the devils, and a few ordinary explosives couldn t stop them for long.Zhang Dabiao looked at the map and said, I think this method works.
The stubborn soldiers looked at each of them with fire in their eyes, but they couldn t stop them.The superior ordered us to block the devils for a while.
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is useless if the artillery cannot determine the enemy s position, or the enemy s position is changing at any time.
To deal with chariots like the Eighth Route Army, fighter planes had to be dispatched from Kantung Continent.There was a person under the big locust tree looking in this direction.
They want to respond but don t know how to respond.Dividing troops to break through would only disperse their own forces and let the devils break through one by one.
Of course, Wang Xuexin s explanation was more useful.If you want to fight the devils, you have to find the edge of the net.
The mountain has been well prepared by the stubborn army, and some places are still cement bunkers.Retreat tactics are even more important for mountain companies than offense.
The stubborn army fled without firing a few shots. It has nothing to do with the lack of supplies.Wang Xuexin guessed right, Zhao Gang had already quarreled with Li Yunlong before calling Wang Xuexin.
At this time Nagai Xingwei heard gunshots coming from the front.It s no wonder that the overall quality of the Eighth Route Army on the battlefield is not as good as that of the devils, who are all fed with bullets.
Sure enough, Sun Erwei immediately became nervous Wang, you are too mean
Wang Xuexin cursed secretly in his heart, this guy has actually learned all of Li Yuntou s catchphrases.
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A practitioner of the ice element. Zu An couldn t help but think of Chu Chuyan, and wondered if she had returned to her teacher now.At that time, it seemed that it could break through the space seal.
What surprised Zaun even more was that this person was so vivid, not like a person in a painting, but like a real person.Yu Yanluo spat lightly It s a pity that some people are face blind, and they can t tell if I m good looking.
Did you sleep well last night Sang Hong asked with a smile.You must know that the Duke of Yunzhong is ignorant of current affairs, and there are many people who want him to die.
At first she also felt ashamed, and she could grit her teeth and endure it, but later her willpower gradually disintegrated, and she thought in her heart that he was concentrating on detoxifying me, and I just snorted quietly, so he probably couldn t hear it.However, he suddenly noticed that something was wrong with the surrounding atmosphere, and those Habayashis were waiting in full force, as if they were facing a big enemy.
You can t put all your hopes on him. Gao Ying and Pei You looked solemn, and they also felt the seriousness of Sang Hong s tone.Zu an had a black hair, so naturally he had no interest in kicking shuttlecock, and suddenly his heart moved By the way, is there something missing Give it to me Is there anything else Chu Youzhao s eyes dodged a little.
My lord, please tell me. Xiao Jianren was overjoyed.A group of people came to the door and found that the entire hotel was surrounded by people.
After doing all this, the golden face in midair gradually dissipated, and the terrifying coercion gradually returned to normal.Zaan gave Yu Yanluo a reassuring look, and hurriedly walked aside with Yun Jianyue.
You can t say that. He helped us so much. I don t know how much risk he took. After the limelight is over, you have to thank him.The old bustard immediately changed his face My lord, I said that there must be something wrong with Taohong, and the Xiaolang hoof business is not very good.
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But Yu Yanluo s face was more gentle I don t think so.Nan Wu said. Her face was expressionless, obviously unable to tell whether she cared or not.
Zuan was also taken aback. Immortal slaying flying knife Shi Kun wanted to use this to make himself a useless person in the East Palace, but he confiscated it.Soon the thick eyebrows seemed to be sealed by a cocoon shaped ice cube.
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Por Alejandro Saracho, experto en finanzas personales; autor del libro Reconfiguración financiera.