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 medida que el panorama de la PI continúa evolucionando en el contexto de la IA y los macrodatos, es fundamental que las empresas estén preparadas para adaptarse y desarrollar estrategias ágiles y proactivas para proteger sus activos y mantener su ventaja competitiva en un mundo impulsado por la tecnología.
COPY
¿Sabías que las soluciones de selección por voz han evolucionado para trabajar en conjunto con robots móviles autónomos (AMR) en los almacenes? Además de mejorar la precisión en la preparación de pedidos, estas tecnologías mantienen a los trabajadores con las manos libres, permitiéndoles enfocarse en tareas críticas.
Of course, there are also some monks in the late stage of Qi refining whose spiritual thoughts are naturally stronger than others.The changes in the gourd vine are not limited to these.
Wind wolves are also very common on the Kyushu continent.He was panicking in pain. Even if Red Feather Eagle didn t fall to death, he would be seriously injured.
However, Kou Yuchang did not agree with this and said with a smile, It s hard to say.Three days later, Tian Shengcai had already woken up.
However, the monks also caused huge damage to the forest beasts.It seems that he is recovering well. Seeing Qingyang, the one horned ghost king stretched out and said, Little friend, didn t you agree that you should not disturb me to rest and sleep if you have nothing to do My natal soul has been damaged too much and The Benefits and Effects of CBD Gummies 100 mg: A Comprehensive Guide (UXEsF)
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Xiao Yuhan also felt a little uncomfortable. Embarrassed, he smiled and said, Junior Brother Qiao has good tricks.Except for a few monks who were slightly injured, they were not killed by the wind blade.
No, ten pieces of materials are worth 20,000 to 30,000 yuan, who can afford it Qingyang knew that Elder Wusi had good intentions, but he could not place all his hopes on the inner court competition and make more preparations in advance.This puppet is really powerful. It can Understanding the Benefits of Active CBD Gummies for Pain Relief and Wellness
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His Sky Breaking Halberd Technique seemed to be inferior to Qingyang s Four Element Sword Formation.He felt that his cultivation had reached its limit and there was no way he could improve it.
No wonder the needless man is like this. Sad and angry.Seeing the five people around him rushing toward him again, Qingyang took advantage of the opportunity before the encirclement was completely closed.
Without the late stage Jindan monks, the sect was likely to be reduced from the Seven Great Immortal Sects to a medium sized sect.With a huge amount of money, I found a simple diagram of the Yinfeng Gorge.
It won t have much impact if you are half a year old.Naturally, ordinary alcoholic bees cannot be compared with purple backed alcoholic bees.
This Young Master Lingxu is really willing to give up.Unexpectedly, if he didn t pay attention, the junior sister would disappear.
Among the monks, there are good people, there are also mentally retarded people, those who are eager for justice and fight against injustice, those who are domineering and arbitrary, and even some with special hobbies are not uncommon.Less than half of the underground mines have been clearly explored.
There must have been a lot of good things dropped, but now more than two thousand years have passed.Old Taoist Songhe helped Qingyang stand up and looked up and down several times.
However, it was still early for the trial in Chaos Demon Valley to end.There is nothing special about it, except that its growth habits are different from other spiritual grasses.
It s no longer fun to stay here in this world. He is also an old man with a fairy spirit, carrying a long sword, and speaking lightly, he left a moment on the stone wall, Leave happily.The Yin Yang Mirror is indeed Elder Ma s Yin Yang Mirror.
If he really fights , the average master of the Sixth Realm of Shen Zang is no match for him, he is a very scary elder, Wei Dingguo feels scared every time he sees him.Another place in Ningcheng. People from the Xiliang family also arrived, headed by Wang Shicang, who came with several family confidants.
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Ye Fei was surprised. The rock walls here are extremely irregular, and they were all left by strong men back then.They were all loaded with guns and powerful auras, and their black muzzles were pointed at Ye Fei and others.
I have met him once. With you, a small Xiliang family, naturally you can t compete with these people.Roar The plum blossom thief s expression changed, and a plum blossom appeared in his hand.
To be honest, this is Xue er s money. It was originally used to auction the colorful ore, but I feel that this is more practical.His whole body seemed to be falling apart, and he could hardly breathe under the weight of the heavy armor.
The water snake like female disciple said flatteringly.With a stabbing sound, Yulin s clothes instantly turned into nothing.
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Let s do this. Kneel down and swear, and I will believe you.Han Dong waved his hand and said seriously. Really Ye Fei looked at Bai Yan and secretly felt ashamed.
Every time she used it, she would hurt herself. However, she didn t know it at all and it only happened now.Master, my disciples respect you and I hope you can treat them like you treat me Ye Fei solemnly said road.
These two elders are the Heaven and Earth Elders of Tongtian Academy.Although the rumors are a bit exaggerated, this shows that the True Dragon Hanzhu has the power to hide itself inside.
People, in a moment. He has fainted. What do you want At this moment, something happened that shocked Ye Fei.Master, if the third junior sister cannot be found before the Nine Stars Continuum, wouldn t it affect the junior brother s promotion in the future Wu Juan wanted to ask her master to save Guan Tong, but https://tannoorgrill.com/research/cannabis-7ese34ru-infused-boysenberry-gummies-0xjb/
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had to change her words.
She is the future of the Xiliang family. At this moment, she is the only one left.How can you dare to cling to senior sister You are an elite disciple of the academy.
Ruthless. I say hard work is hard work. With this piece of colorful ore, after refining, it should be able to complete the altar.While Ye Fei was still unconscious, something happened far away at Jade Girl Gate.
No, has this woman discovered me Previously, these people were discussing and staying here.He took a step forward and was about to take action.
Let them leave Huh, how can such a good thing happen You don t know how terrifying the strength behind my Tianyuan Group is.The one horned tiger put Ye Fei down, glanced behind him in fear, and then turned his https://tannoorgrill.com/updates/en-the-best-detox-tea-for-weight-loss-2025-wg9-r8v5/
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But, Brother One Horned Tiger, I still need to look for my master and senior sister.
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The underground palace was turned upside down again, allowing Ye Fei to see the real dragon vein terrain, ninety nine mountain ranges gathered together to defend the imperial capital.When he passed by Ye Fei, he couldn t help Zero THC CBD Gummies: Benefits, Effects, and Reviews
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As for the opponent s level. Just look for opportunities to farm some monsters on the sea.But once it succeeds, he and his supporters will have a steady stream of profits and income.
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They can just kill them and ignore them. Faced with the additional gains, the players were naturally overjoyed.Don t even think about recruiting civilians from the major forces in the future.
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This kind of place is indeed the best place to deal with competitors.You don t spend your gold coins on purchases He didn t think about pocketing the 200 million gold coins of the Raging Dragon Guild.
Some special treasures, battle skills, spells, etc.With enough sacrifices, more demons can come and the demon lord behind them can be satisfied.
Now with the support of the third prince Baal, the Storm Leader can intervene.As long as the agreed amount of ore is placed there, they won t care what Zhao Hao does in the Golden Valley.
That s good The ancient god of death nodded and disappeared.Then a disaster happened As for Princess Chang an, it s even simpler.
The most direct way to improve strength is to increase population.These teams also include players. Although the players are far less powerful than the natives, they are more numerous.
How could they not be envious of these forces who were so full of food Now that they found out they were causing trouble again, it would be strange not to be moved.At this time, Zhao Hao also had time to look at the changes in his part time job.
Duke Barlov He is also the military boss of the Bucks Principality and is the commander of the coalition forces supporting the army this time.Times have changed As long as the aircraft carrier appears, the maritime advantages of the major forces will be greatly reduced, and it will also give the Storm Leader a chance to catch up.
However, after the Bloody Griffin Festival, the strength of Griffin Port was greatly reduced.Got it Zhao Hao walked to Bai Long s head and carefully poured the medicine in his hand into Bai Long s big mouth that could almost easily swallow him.
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There is still a long way to go from the Broken Star Islands.The phantom shooter s https://tannoorgrill.com/updates/en-why-the-best-acv-keto-gummies-4a8ii-became-2025s-must-have-for-weight-management-in-seattle-83jr/
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This kind of lair that has been operated for a long time has God knows how many defenses.The Haitian Guild is actually not on the list of the Tianhai Alliance Shinhwa is domineering and strong, but he is not stupid.
And it s more than that. Snap The silver pegasus flapped its wings and lifted into the sky.The body must be taken away. If they are not taken away immediately, the surrounding monsters will definitely devour several dragon corpses unceremoniously.
But before he could speak, someone had already spoken in advance.However, it is naturally impossible for the blood noble to not know the effect of the attack, so his target is not the wound, but the blood flowing out of the wound.
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On weekends, Tianzhou Online continued to disclose news related to the asset restructuring of Yixing Video.
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constantly being produced, although the output was higher than the previous one.Therefore, to achieve such high observation conditions requires the cooperation of many aspects.
The man followed the above steps and in a few minutes solved the problem that he had been unable to solve for five hours using Baidu.The cost of Yixing Video to acquire a user is almost Three times that of other peers, which has also led to the company s huge debt.
The same thing must be ensured, even if there is a slight mistake, the investment of hundreds of billions will be wasted.Weibo account, he first took a screenshot of the news about the first day sales data of Xingyu Technology STAR4 Plus, and added Qin Feng s Weibo account, and then edited a piece of text and updated it https://tannoorgrill.com/reviews/the-5gkiiykn-benefits-of-calm-magnesium-sleep-gummies-for-a-restful-nights-sleep-kbiws-b2jl/
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The audience was astonished. Can the Internet virtual world still be played like this
As the Trojan virus was taken away by the security guards, the camera scenes switched frequently, showing the audience that after Xiao Ling entered the Internet world alone, she experienced a series of adventure stories on the way to find her father.
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Did a wash. As time passed, around 11 o clock, investors were quickly attracted by another unexpected event.At this moment, the time sharing line of Tianzhou Online was pressed from the daily limit board to the lower limit board with a vertical line at a 90 degree angle.
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In fact, this is a helpless move by Korea i Company, the operator of the WCG event.The third generation flagship product is actually more expensive than Apple s mobile phone.
In Fang Hong s previous life, NetShang broke up with Blizzard ten years later.At the same time, if an emerging project emerges, such as a brand new e sports game that is launched and becomes very popular, then this project will be included in WCG and become a new official project.
wearing a blue and white cheongsam dress with gradient blue, her long hair was combed into a high ponytail, her temples were naturally hanging down from the side of her face and ended in a bun, and there was a tear mole on the corner of her right eye.It is obviously accelerating the listing plan of its subsidiaries.
Only then would the helmsman and manager truly reflect The quiet atmosphere lasted for a while, and was finally broken by Chen Yu.If you come out to support the market, it s naturally hard to say anything.
This is very important. The attitude of the superiors determines how to launch a bombardment when the information is disclosed to the outside world.There are fewer foreign codes. For Trident CBD Gummies Reviews – Is It Legitimate Or Fake?
both parties in the game, what they want to know most is where the other party s bottom line is, and at the same time, let the other party know where their own bottom line is.
Doesn t that mean that his predecessor planted a tree and let him enjoy the shade Beautiful thought Thank God for not leaving a mess to the successors.Let alone a zoo business owner, even if the entire industry unites, it will be difficult to compete with Qunxing Capital.
Por Alejandro Saracho, experto en finanzas personales; autor del libro Reconfiguración financiera.