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.
Los minoristas deben conocer la composición demográfica de sus clientes para tomar mejores decisiones sobre publicidad, colocación de productos y diversificación de mercancías.
Hay una larga tradición de intercambio comercial entre Suecia y México. De las empresas suecas presentes en el país, la primera se estableció en 1904. Hoy en día, hay más de 150 empresas suecas presentes manufacturando, desarrollando y comercializando sus productos y servicios.
Los entrevistados para este reporte coinciden en afirmar que la asociación con un 3PL integral experto, sea en gestión de operaciones como de bienes raíces, puede proporcionar una solución perfecta y potente.
Who is your little sister Cao Zhen angrily retorted Look at your reckless appearance, I think she is probably a crazy girl.It was simple. In order to catch up and swallow the spiritual fruit.
Their real opponents were large groups of sixth order monster iHerb CBD Gummies: Benefits, Reviews, and Expert Opinions
bats.He went over and fell to the ground. The female cultivators who were meditating for healing hurriedly stepped forward to help him up, pinched him, and splashed spring water on him.
Liang Yuzhu didn t see Lu Xinmei coming, and asked curiously Where is your sister Didn t you agree to come Fairy Youyue will personally lead everyone to the ancient blessed land, Huanhai Cave.Thinking of this, Ye Ling s eyes also glowed with a cold light.
Then she looked at the volcano crater that towered into the clouds and spewed out mist, and said in a deep voice On Uncovering the Truth: Keto ACV Gummies Side Effects and Everything You Need to Know Before Trying
the Huoyan Island marked on the treasure map, the closer you are to the volcano crater, the higher the grade of the Huoling Mine will be.Everyone knew clearly that the underwater war had an outcome.
I ve heard about it a long time ago. The fire aura in the Fire Barbarian Land is rich.After all, they have seen it on Huangsha Island and know that the catfish demon has surrendered to the nine immortal sects.
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and thunder in the thunder pool with a single movement of his hands, raising a 200 foot radius.She caught a glimpse of the ice butterfly behind Ye Ling, already standing gracefully.
After a while, a small ice city seemed to have been built on the northeastern beach of Huangsha Island Ye Ling stepped onto the ice wall and faced The sea breeze blows, looking towards the vast East China Sea, the golden glow of the setting sun dances in the sea waves like a fleeting light.After all, the Green Demon Sect Master in front of him was a strong man in the middle stage of the Golden Core.
Thirteen million spirit stones Although Ye Ling knew that during the East China Sea War, Huixing Pavilion would definitely be better off than before, but after accumulating such a rich amount of spirit stones in just one year, Ye Ling still felt surprise.This is obviously the provocative words of the demon turned immortal vulture.
Xuan Zhenzi came to the Tongtian Tower with his hands behind his hands, and said proudly It s not the East China Sea Demon Lord who made a sneak attack, they don t have this ability According to this city lord It seems that a certain junior must be overcoming the tribulation in the capital and causing the cloud of tribulation.
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surprise, Zhao Yuanzhen, the leader of the Medicine Valley Sect in Maple Bridge Town, Tang Xiong, the leader of the Nansheng Sect, and others also rushed to the entrance of the Phantom Cave before them.When he saw this scene, he shouted loudly Where did the demon beast come from Dare you charge and kill my patrolling Yasha clan I think you are tired of living The golden armored Yaksha ordered his demon generals to suppress the ninth order giant whale, and asked the golden elixir demon generals who had attacked halfway up the mountain to continue attacking the mountain And it was alone, holding a golden holding fork, and charged towards the red fire green tailed leopard at the forefront The red fire green tailed leopard was on the rise, and suddenly CBD Gummies for Mood Enhancement: A Comprehensive Guide to Benefits, Effects, and User Experiences (fFrvB)
I felt a strong pressure Good guy The pressure that this guy exudes is comparable to the first vanguard under the Demon Lord Xue Quezi of the East China Sea, the demon turned immortal vulture Young Black Brother, Mr.
The three of them looked around again. There were stars everywhere at night, Are CBD Gummies Legal in Scotland: A Comprehensive Guide to CBD Laws and Regulations (atVjm)
as if they were in another world As soon as Ye Ling succeeded in the attack, he immediately put away the alchemy furnace and set up a shadow formation and soundproofing barrier above the cave on the top of the mountain.Don t be too far away from Huixing Pavilion. Yuan, if anything happens, I will send a message to your spiritual consciousness.
In order to subdue the Green Demon Poison Corpse, Ye Ling used the chaotic soul intoxication as a guide, supplemented by the eighth level calming spirit.That would be great Zhuo Yun He had no choice but to shout loudly into the sword formation Second brother of the eldest brother, Lao Qi In front of your clan, as long as you are willing to admit defeat and stop competing with us, we will let you out Zhuo Wuhai fought hard The sword spirit puppet resisted the piercing attack from the Xiao San Qi Sword Formation and roared If you want me, Zhuo Laoer, to admit defeat, you must not do it A real man would rather die than give in His seventh brother Zhuo Wuchan shouted at the drake Understanding the Benefits and Effects of CBD + THC Gummies: A Comprehensive Guide
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can t let them escape. Amidst the cheers of Wuzhou officers and soldiers, General Qi in gold helmet and silver armor raised the earth spirit hammer and smashed it against Ye Ling s ancient barbarian giant shield weapon soul with a bang Boom A dull sound echoed inside and outside the city tower.
Hehe Seeing Ye Ling nod his head, the devil was overjoyed, and the ancient painting scroll exuded a vast aura, which immediately captured the souls of the two monks in the Xiaosanqi Sword Formation thump Two fleshly corpses lay on the ground, which shocked the four maids outside the sword formation.
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the Haizang Cave , and we have to rely on your golden elixir spirit beast all the way.Soon, the servant came back, said a word of invitation, and led Ye Ling to the palace where the leader of Moyun Village lived.
Fortunately, the weather has been calm these days. Well, the head sent a special trip to invite me Having said this, little Xing er s face was full of pride, as if it was a supreme honor to be able to clean up Lingfeng for Master Ye.It requires the guidance of a magic cultivator who is familiar with this kind of magic weapon.
Disciple When the other ancestors of the Immortal Sect saw that he spoke so confidently, their faces showed anger Especially the ancestor of the Mu Puppet Immortal Sect, he was even more angry after hearing his tone that he didn t take the Mu Puppet Immortal Sect seriously at all
Okay, okay Let s go together I want to see if he is the precious disciple taught by your beast taming immortal sect All the ancestors of the immortal sect had different opinions.
Lu Binglan looked at it for a moment and thought to herself It s really cool Rarely, in terms of momentum, it is also on par with the Corpse Shadow Puppet.Master Mr. Su didn t hesitate to burn his soul. He was a lot more erratic when escaping. I m afraid he won t be able to shoot Catfish demon, work harder Hey It s still close.
The most subtle thing about Mu s elixir refining is that when it comes to condensing the elixir, you need to Only by incinerating an ancient talisman and condensing the lunar soul can we ensure a higher rate of elixir production As he spoke, Ye Ling casually took out an ancient cloud condensing talisman and muttered words, mysteriously injecting mana into it and controlling the fire at the same time.
The journey of hundreds of miles is relatively safe.Elder Shi only thought that Ye Ling was talking crazy and was deliberately alarmist, but he didn t know that the ancestor of the Immortal Sect, the White Dragon Lord, was twirling his beard in thought.
On the other hand, the task of escorting the wife of the village master and her family is nothing more than running errands and a bit of hard work.His eyes were fixed on the two prey. The young man Xuan and the man in the brocade uniform suddenly saw four female cultivators appear out of thin air.
How ferocious he was on the battlefield before, but now this aggrieved look makes people feel so distressed.After all, when the savior of her childhood met again when she grew up, and the other person saved her from danger again, anyone would feel the ups and downs in their heart.
As she said that, she glanced at Qin Feng with a nonchalant look.Wake up. I will bear all the faults Since the battle with Long Daoling, Mo Wentian has lost too much blood and suffered damage to his internal strength.
But this time, when he just looked over, one of the two old men immediately raised his eyes and looked towards him.Her big eyes were particularly bright It s really you I thought I saw it wrong just now.
It seemed that the killing of four Yang Kingdom warriors last time made her have some suspicion towards Ye Tianqi.In the end, they just fired everyone in the Song family and retained Song Peiyu s shares, which was already a kindness to them.
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in the martial arts of the Dragon Kingdom Xu Yu is not bragging.They met by chance at the airport in the morning, and Dai Ruolan had already changed her clothes.
Among the participants this time, in addition to the Martial Alliance representing the five major sects, there are also Martial Arts Hall, Heng Palace, and some other hidden sects and secular Martial Arts sects.Qin Feng and the others were not far apart, and the hall was relatively quiet, so Qin Feng could hear their conversation clearly.
He took a deep breath and tried to keep himself calm.He is actually the new Dragon Lord What none of them noticed was that from the moment Qin Feng s face appeared in the camera, Mrs.
But the construction company was so open minded that they directly demanded overtime pay.This stay lasted seven years. Returning to Longdu this time, I am afraid that the famous Xu family in Longdu will inevitably be involved in a bloody storm.
However, because Ye Huang often disappeared when he was fighting abroad, and later learned Ye Huang s true identity, they didn t think much about it.Now Qinghai is in the hands of Chen Chuqing alone. If you marry Chen Chuqing home, it will be equivalent to taking the Qinghai Group s strong financial resources into your pocket.
He was so angry that he pressed Liang Shaokang s head and hit it on the coffee table.Long Daoling had a great reputation and founded Panlong Palace.
How could he let it go as soon as he said it, and let Qin Feng earn 300 million in vain without others mentioning it This would probably be more uncomfortable than killing him.Whenever there was any power fluctuation in the room, he would wake up immediately.
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the news from them, saying that he did not want his brother and sister in law to worry about any accidents while traveling.Now it seems
Haha, the threshold of the Ye family is too high, and I can t afford it.
It is said that decades ago, this was a place specifically used to execute war criminals.The idea he learned since he was a child is that people in the hidden sect are always higher than the world.
Tang Xiong could only bite the bullet. He had seen Xie Xiu Muhan s performance in the ring, and could he resist the three moves and two moves , and he was unsure.Disciples of Nanyu Sect should not stop them when they see the medicine spirit going out.
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with anger.In the end, Ye Ling practiced the ultimate move of Shattering Jade, Shattering Jade Slash.
Ye Ling heard something in his heart, opened his eyes, and looked back intently.He asked curiously Where is Miss Lu This is specially exchanged for her.
He had to persuade the miko over and over again not to do anything willful and ruin his life.The Wuzhou officers and soldiers guarding the pass on Hanshui Ridge Best CBD Gummies in Pittsburgh: Your Ultimate Guide to Health Benefits
came to chase and intercept him, and even a golden elixir monk flew out Ye Ling s eyes flashed and he ignored the officers and soldiers of the Wuzhou government.
The green and black fish demon didn t understand what he meant, and hurriedly came back to ask Lord Why did you let them go How dare you threaten us Look at them, they have no one in their eyes So far, After several experiences, Zhilan became more courageous and no longer afraid of strangers.Once something goes against her, she will get angry.
The late Jindan monks looked at the nine major immortal sects in the Wu Kingdom s world of immortality, and there were not many.Sure enough, not long after, two sword lights fell at the same time and flew close to Marigold Haha, three marigolds It looks like they are thousands of years old.
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causing the disciples of the Golden Pavilion Immortal Sect below the arena to cheer loudly What a move to see the dragon come out of the water Senior Brother Lu s actions are so upright and upright.
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Cave Impossible It looks like an ancient tomb to me As soon as Ye Ling said this, the Wing Fire Witch Ji Lingling shuddered and looked around, feeling that everything in this underground palace seemed eerie and terrifying Zhilan s face also turned pale.
It would be best if he could pick them up smoothly.After all, Mrs. Honglian of the ancient world of demon sealing issued the Red Lotus Order, making the entire demon clan in the East China Sea of Wu Kingdom become his enemy Once Ye Ling appears in Wu Kingdom, even if he goes to Beiming, it won t take long for Madam Honglian to know about it.
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me Where did you learn the eight door golden lock, the secret technique of this Immortal Sect As soon as these words came out, everyone was slightly startled and stunned.They just waited for the island protection formation of Luokui Island to dissipate, and then they blew the horns of the Rhinoceros King together.
Xia Tong and Zijuan also knew the basics and their combat power was not too weak.Haha, so under the eyes of the wind roar beast, this idea is impossible to realize, master It s better to leave here as early as possible.
Quick Resist the monster Block it for me Cui Duo saw the sixth level Leopard King coming straight towards him.Venerable White Dragon nodded Yes You have dedicated your whole life to the Heavenly Pill Immortal Sect.
readx Seeing Ye Ling s insistence, Feng Cailing, the fairy of Youyue, had to give in.
But this orchid hairpin is a magic weapon to hide the evil spirit.After seven or eight days like this, the three of them were meditating when a violent wave suddenly hit Poyun Chong.
Jiang Yuebai guessed that lighting this lamp might produce some kind of yin fire, which might increase the intensity of his earthly evil fire.Tiannanxing used to think that he would never fall into this.
Jiang Yuebai made a decision in his heart and put all the spiritual stones in the bracelet.Jiang Yuebai could obtain information at will by just swiping his face without charging any fees.
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the cane tightened, Jiang Yuebai did not hesitate to activate the Immortal Grass Sutra and forcibly sucked out the original essence of the grass and trees in the Shilong Vine.The painting hanging in front of me was burnt to a dilapidated state, leaving only ashes, which were blown by the wind and fell with a rustle
This chapter is free, thanks to all the treasures for their support and love, a 4300 word extra chapter, hope You like it At the most critical moment of becoming a god, Zhao Fuyi fell into the illusion of inner demons.
Place it beside Jiang Yuebai. Along the way, it s best to let Young Master Jiang Yuebai take action, otherwise half a million spirit stones won t be enough for her.If she doesn t understand something, she will copy it and save it.
Jiang Yuebai is about to cry. He is already a Nascent Soul and is still so poor.The flying nuclear boat opened the hiding formation and quickly headed towards the Kunxu Trench.
It was obvious that Tian Nanxing wanted to catch Jiang Yuebai before escaping.Qi Mingdao. Jiang Yuebai frowned slightly. True Lord Ying Huai, Lu Yinghuai, was also a member of the Lu family.
The puppet has its own black dragon scale armor, and the small fire dragon sword combined with it also turns into a small white dragon sword under the influence of Yinglong s essence and blood.Xie Jingshan is Top 10 Best Recipes That Taste Good and Help Lose Weight for 2025
now a nominal disciple of the Zhenwu Immortal Sect.
I have not fully understood the Dayan Sutra yet. I only know that Yi has Tai Chi, which gives birth to two rituals, two rituals give rise to four images, and four images give birth to the Bagua.Come again Click Seventy nine tribulation thunders entered the sea like silver dragons, roaring out from the billowing black clouds.
Senior Sister Tang, there are too many crocodiles and it s crazy.Otherwise, I could have done more analysis, but I seem to be starting to change.
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Por Alejandro Saracho, experto en finanzas personales; autor del libro Reconfiguración financiera.