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.
De acuerdo con datos del Inegi, las PyME generan 52% del Producto Interno Bruto y el 72% del empleo en México, por esta razón son esenciales para el crecimiento económico.
Esta nueva dinámica exigirá un servicio al cliente mucho más riguroso, ágil y expedito, especialmente porque las nuevas generaciones realizan un uso más intensivo de los dispositivos como teléfonos inteligentes, tabletas o computadoras portátiles.
l mercado de cloud se multiplicará por seis en los próximos cuatro años, pasando del 7% actual al 41% del total global de las comunicaciones unificadas en 2020.
I have never seen such a battle in my whole life I haven t seen it either.Song Xiangdong and other security bureau leaders were still sitting around the conference table.
Yeah, yeah. The little girl followed him towards the Tianshi Mansion not far away.To him, the shark in the sea just now was really not a threat.
However, his previous daze and hesitation at this moment had caused him to lose his last chance.Where can t meditate These three people don t know how to think about it
Noisy discussions continued. This situation. Lin Beichen had expected it yesterday, and was not surprised, nor did he care.
Sudden A red Porsche 911 was like a red lightning flashing through the traffic, almost causing several traffic accidents as it sped towards Beishan.The question in this special area has not been answered yet day after day.
Why aren t you moving again What s going on What is this person doing there Keep raising your hand and CBD Gummies for ED: Natural Enhancement for Men’s Wellness
let me see if I can knock down another tree and find a loophole
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but also from the surrounding areas of Wuling Mountain.Han Yuan refused to give up. However, his words reminded everyone of one thing Lin Beichen has not been contacted until now Liang Dong picked up his cell phone and called Lin Beichen.
Be polite, know how to advance and retreat, and be restrained and unobtrusive.Liang Dong 1. Seeing that even Wu You and Liang Dong had become Han Yuan s accomplices , Lin Beichen understood how much trauma he had caused to his roommates by asking for leave for a month.
It s Zou Huaide s voice Sun Chao turned around quickly.I m really sorry. Wu You I m sorry, I m sorry, yes.
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Thunder fell more and more frequently in the sky, and every bolt of lightning struck the same location, more than ten meters away from Lin Beichen.This feeling has never appeared before
I seem to be locked in At this time, I looked at the clear patches in the clouds in the sky.
The first person in the history of college entrance examination with perfect scores in all subjects is my own student Quiet.If there are any problems and progress, Synchronize in time.
My name is Zhou Tiezhu. Zhou Tiezhu pointed to the man who opened the door and smiled He is my right hand man, his name is Wu Xingwang.Evacuation and resettlement. When the staff in the office heard this, they were completely stunned.
The debate about which one is stronger and weaker between traditional The 7-day meal plan: Easy-to-prepare weight loss dishes for a healthier you
martial arts and modern fighting in Daxia has never stopped.In other words, one must learn to control fire and follow the training track of the electric element to continuously strengthen the ability to control fire.
Has anyone really survived the tribulation in history Myths can t help but make people imagine.There are no replacement lightning rod devices and there are not enough manpower He recorded it and left so that he could go back and write an inspection report and report for repairs as soon as possible.
Li Bin took out the walkie talkie. Just when he was about to contact the first and second groups and ask them to withdraw from the fire scene immediately and give up the rescue.Lin Beichen s whereabouts Or, to be more precise
it s Lin Beichen s footprints Although it was raining at the moment, fortunately the rain was not very heavy and it did not completely wash away Lin Beichen s footprints.
This
When he saw that Lin Beichen looked like a student, Li Bin shook his head in disappointment and threw what he had just heard behind him.They were all interviewing hostages trapped in the supermarket with Lin Beichen.
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I really
At this point, he couldn t go on. He felt that if he continued talking, he would make himself jealous to death.He scolded Lin Beichen Classmate Lin Beichen, please stop talking nonsense
Watch it. Lin Beichen suddenly spoke up, interrupting Qian.
She also wore a light makeup on her usual bare face.I don t know, just because of Lin Beichen s existence, Teito University may surpass Huaqing University.
The eighth success Success for the ninth time The tenth failure
I have visualized it more than ten times in a row. During this period, although it is basically successful, there are occasional failures What s going on Lin Beichen checked all the situations he could think of in the world of visualization, and found no problems.
Average, third in the world Hmph The Ghost King snorted coldly, suddenly took action, curled his finger forward, and a ray of purple light flew out.Su Ye patted the back of Bai Shitong s head Don t show off.
Although the Drowned Ghost is still confused, why is a skeleton without a Gummy Bears to Help You Sleep: A Comprehensive Guide to Better Rest (zmOeZ)
body so capable of beating But that s not important, what s important is being able to fight.With limited resources, they managed to reach the Golden Core stage.
Even if there are masters in Yunyi City who can deal with it, it is impossible for these masters to appear in Yunyi all the time.The meaning in his little eyes was obvious, he wanted to go out and play Don t make trouble Su Ye patted the national treasure on the head Be patient for a few days, you can t go out these days.
Chen Yuling looked desperate What should we do now Lin Huaizheng said Those monsters are still alive.It is really unimaginable to be able to beat Wang Jinglong like this.
However, the Rakshasa girl still had no intention of dodge and allowed the green poisonous gas to float around her.After entering Yunyi City, Su Ye went straight to Fangshi in the East City.
Yanjing City is still the same, with people coming and going and it is very lively.Wang Mingyang said immediately Shopkeeper, remember to find me some medicine.
On the black shadow, wisps of black smoke kept emerging, and then
there was a click The golden Zhen character shattered instantly and scattered in all directions.Su Ye and Huahu also left the City God s Temple immediately.
In addition, the bamboo is not an ordinary bamboo, but a jasper spiritual bamboo.Yu Ziya said with a smile You can take everything back and use it as you like, as long as the conditions are as mentioned just now.
How many elixirs you use to make elixirs determines the value of those elixirs after they are made into elixirs.It requires the joint efforts of dozens of weapon refining masters, and an unimaginable amount of spiritual materials are used, and it may require the use of dozens of immortal level spiritual materials, or even Heavenly spiritual material.
Know how quickly said with a smile Thank you, Warden Su.The second is that there are so many people now. If they can enter the Taiyin Secret Realm first, they will definitely be able to seize the opportunity.
The current situation is indeed difficult. The most troublesome thing is that there is no good solution yet.But at this moment
Not far from the open space, some students from Egret Academy walked by.
Bring me one of the items on the list. The clerk in the store took one look at it and was 5 Masterful Keto Fasting Ideas for a Thriving Winter Solstice
about to start getting the medicine.The national treasure said happily Some monkey like guys are playing with me.
You have money for no use, coal boss Therefore, these two colleges are useless, leaving only Bailu Academy and Chishui Academy.Things that are worthless in the Prison of the Dead
Since they are no longer worth anything, they generally won t hold them in their hands and wait for transactions.
They can only walk through the teleportation array.Su Ye s idea was that he had obtained the elixir, the other party had made money, and both parties benefited from it.
then moved all the boxes into the house. What a good thing Su Ye touched the white jade furnace cauldron and drooled.The jailer immediately took the national treasure over with a smile and teased the national treasure with his fingers.
Who knows about things in the world of cultivation Didn t her grandfather, who was in a state of despair, also be reincarnated Maybe Ruosheng will come back one day.Isn t it normal for me to have some Cang Molong blood Mu Wushuang looked at Li Shenzhi beside him, and Li Shenzhi Can CBD Gummies Fail a Drug Test: A Comprehensive Guide to CBD and Drug Testing (Zbkmo)
nodded hurriedly.
They often discussed the connection between formation methods and numerology together.Go out and take the blame Shen Huaixi s eyes dimmed, Brother Jingshan, if you place too much emphasis on friendship, you will suffer.
People without dragon veins cannot transform into dragons, but they can have an excellent body building effect.As long as he persisted as long as possible, he would be more likely to be recognized by the sacred tree.
When we get to the foreign country, we won t be so anxious.Click The sound of shattering glass filled the air.
How come the forest is still so dense I decided to graft several main medicinal herbs commonly used in elixirs during the foundation building stage with shrubs on the island to try the effect.In the end, the ivy will grow vigorously, but the old tree will be strangled to death.
Jiang Yuebai was deeply impressed by the simplicity of the little demons.A beautiful figure rushed over and dragged him down.
If he was asked to start over at this time, the Qinglong s essence and blood alone would make him helpless.After Jiang Yuebai made sure that there was no one and no dragons on this side peak, he quietly rushed to the top of the mountain.
The red light on the lantern illuminated the female ghost cultivator s beautiful face.Everything is done in silence, and the subtle clues are hidden.
Jixiang next to him felt the scent of Xiao Green, so he got up and walked farther away, then lay down again and slept with his legs crossed.Lord Mountain Master Black Mountain Tiger and Jiang Yuebai fought together.
There are also spiritual beasts carefully selected by Yun Shang for her all over the cave.Her whole body was as bright as the scorching sun, and her clothes were hunting.
Jiang Yuebai suddenly came back to his senses, Little Magic Pollen The white deer was caught off guard, and its nose was choked by a large amount of pollen.Along the way, Jiang Yuebai saw many people from Shanhai Tower and Feiyan Pavilion, searching back and forth across the sea, exploring deep into the seabed, using various exploration magic weapons, and almost turning the sea of hell upside down.
The thin man on the left of Yi Zhengyang has a sinister face, his hands are only blue skin covered with bones, and he is in the early stage of Jindan cultivation.Jiang Yuebai also said in a voice message, One mountain and How Long Does It Take on Keto to Lose Weight
one sea, close to the Shanhai Tower, which one do you like I don t like either.
She also ate all the books and jade slips accumulated in her study.Not only do people take the fate of demons, but there are also demons who take the fate of humans, demons take the fate of demons, and so on.
They didn t think much about it at all. Looking at the booklet in Jiang Yuebai s hand, everyone was impressed.It s like a sword, with the essence and blood of Fu Dou sealed inside, making it a quasi spiritual weapon.
The Eastern Star Alliance also recalled all teams hunting dragons at sea and banned them from going to sea again.Everyone you put in this place will be protected with all your strength.
Lu Nazhi grabbed Jiang Yuebai s arm, and Jiang Yuebai ordered Xiaolu to burn the three The ghost cultivators with only one breath left were imprisoned in its lantern, and Lu Nanzhi pulled them deeper into the Forest of Ghost Steles.All the chess pieces exploded, and black smoke suddenly filled Randy Jackson’s 6 Transformative Weight Loss Tips to Embrace This Winter 2025
the room.
The Taihe Umbrella turned into a ray of white light and sank into Jiang Yuebai s body.Yu Qiuchi nodded. And me. Fang Yuxing also walked out of the room. Li Shenzhi couldn t help shouting, Aren t you trapped in there Fang Yuxing held up his sword, I have been suppressed at the peak of foundation building for a long time, and the pill formation Hempified CBD Gummies: A Comprehensive Review of Their Potential Benefits
is about to happen.
Thunder roared, and black clouds covered the sky, like black flames, burning fiercely in the endless sky.
It can be used to refine medicine and make talismans.It s not easy to sell, so you can make it cheaper. Four thousand and four It s too unlucky.
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and military officials.For a moment, Su Ye found Feixi s body visibly trembling slightly.
How can you compose it in just a short while I ll give you a poem, and you read it.In the Hell of the Undead world, the Drowned Ghost had no delivery this month because of the gang of skeletons that ran out of the underground palace.
This is enough. Big shots naturally have to care about more things.She is beautiful, proficient in music, chess, calligraphy and painting, but then she disappeared.
The scarlet color is gone There are still traces of the shackles on the ground.Looking for a house like Su Ye is not a troublesome thing, and does not require a lot of resources.
The man s expression finally changed, and he looked at Su Ye with disbelief in his eyes.Immediately afterwards
the bodies of the paper figures began to rotate continuously, like sharp paper blades, slashing down in the direction of Su Ye
That paper man has some skills. The power of this attack can almost reach the fifth level of the body refining stage.
It can t be said that it is not interesting, but it lacks some new ideas, which naturally makes people lack some excitement.A hurricane blew up all around, with sand and rocks flying around, and everything was sucked in by Taotie.
Can Su Ye handle an annual event like the Double Ninth Poetry Fair by himself What s more, many people have been looking forward to it for a long time.Luo Qingqing pondered for a moment, then nodded. We can only wait.
I just take care of the materials for the handymen in the warehouse.Did it turn out to be Jie Dao Su Ye snorted coldly, raised his hand and swung out the Taiyin Sword Qi
Poof The Taiyin sword energy passed through the air and struck the hanging ghost s tongue.
Between the collision of boulders, everything was crushed.Almost without Chen Xian to lead them, the two casually found a restaurant that looked pretty good.
As long as the Ye Luosha clan releases the news, the demons and monsters living in this area will definitely stay away from Su Ye and will not dare to do business with Su Ye.
Por Alejandro Saracho, experto en finanzas personales; autor del libro Reconfiguración financiera.