5 maneras inteligentes de usar el aguinaldo

Por Diego Paillés, director general de LaTasa.mx- Fintech de inversión.

De acuerdo con la Ley Federal del Trabajo (LFT), los empleados que perciben un sueldo tienen derecho a recibir su aguinaldo antes del 20 de diciembre. Sin embargo, dicha prestación es utilizada, por la mayoría, para afrontar los gastos de fin de año sin considerar que existen alternativas inteligentes para hacer rendir ese dinero.

Los trabajadores que llevan un año o más en la empresa, pueden calcular cuánto les corresponde al dividir su salario mensual entre 30 y luego multiplicar esta cifra por 15. En cambio, quienes aún no tienen esa antigüedad, pueden estimar el aguinaldo anual y dividir la cantidad entre 365. El resultado se multiplica por los días laborados.

Si bien el aguinaldo es una prestación que nos ayuda a solventar los gastos durante la época navideña, depende de nosotros que gocemos de sus beneficios por el resto del año. Explorar el potencial que tiene este ingreso en nuestras finanzas, nos permitirá verlo no sólo como un medio de financiamiento, sino como un generador de riqueza.

En este sentido, el experto en finanzas personales enlistó las cinco formas más inteligentes de utilizar el aguinaldo sin comprometer nuestra economía y obtener un beneficio a largo plazo.

Paga deudas

Es importante tener nuestras prioridades en orden, de tal modo que si ya se vienen arrastrando deudas con anterioridad, un buen uso para el aguinaldo es liquidar esos compromisos. Si la cantidad es insuficiente, se puede dar un pago mayor al mínimo o bien adelantar los Meses Sin Intereses.

Quien se encuentra en una situación de sobreendeudamiento y definitivamente sus ingresos ya no le permiten pagar, la alternativa es recurrir con los expertos; por ejemplo, la reparadora de crédito Resuelve tu Deuda. Ellos se encargarán de negociar el adeudo y conseguir un buen descuento.

Invierte

Una manera de aprovechar este ingreso es optar por un instrumento de inversión que brinde valor frente a la inflación. Para lograrlo, es importante elegir el producto que ofrezca un buen rendimiento y se adapte al perfil del consumidor. Por eso, dijo, explorar lo que ofrecen las nuevas plataformas digitales puede ser una alternativa interesante tanto para los inversionistas experimentados como para los primerizos.

Una Fintech como LaTasa.mx puede ofrecer grandes beneficios a quienes decidan capitalizar su aguinaldo. Con un monto de apertura accesible y un rendimiento promedio anual del 15 por ciento, se convierte en un medio atractivo para depositar e incrementar el dinero frente a los esquemas tradicionales de ahorro e inversión.

Piensa en tu Afore

No se debe obviar la importancia de un retiro digno, pues esta es una meta financiera a largo plazo en la que se puede impactar positivamente desde hoy. Así que, un destino muy útil para la prestación de fin de año es depositarla en nuestra Administradoras de Fondos para el Retiro (Afore).

Asegura tu futuro

La contratación de un seguro debe estar entre los propósitos del 2018, especialmente después de los eventos naturales ocurridos durante este año. De modo que, el aguinaldo podría resultar muy útil para adquirir alguna cobertura que permita conservar el bienestar físico y patrimonial de la persona.

Opta por bienes duraderos

Por último, si ya se tiene pensado gastar el dinero, lo mejor es que sea en una compra inteligente. Por ejemplo, conseguir un bien de larga duración o que sea necesario. Otra opción sería incrementar el enganche para una casa o un auto y así reducir el monto de las cuotas que se pagarán.

Cabe señalar que según la más reciente Encuesta Nacional de Inclusión Financiera (ENIF), 63% de los mexicanos no lleva ningún control de sus gastos, por lo tanto, no es de extrañarse que 7 de cada 10 personas realice alguna compra no planeada al mes. Esta situación podría llevar a que los consumidores queden endeudados al iniciar el año.

Temas relacionados

Almacenamiento industrial: ¿es un almacén por contrato la mejor opción para su negocio?

El almacenamiento por contrato combina la rentabilidad del almacenamiento público con servicios mejorados y seguridad exclusiva. Sin embargo, antes de firmar, las organizaciones deben evaluar todas las opciones para asegurarse de que este tipo de almacenamiento cumpla con sus objetivos y prioridades. La elección correcta garantizará la eficiencia y el éxito en las operaciones de su negocio industrial.

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Ye Ling successively put a sufficient amount of middle grade sea ice crystal grass, together with ninth level dragon bones, dragon teeth and other items into the alchemy furnace.If you don t run away at this time, you will be more likely to die.

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He uncovered the spiritual cloth, and inside was the other half of the broken jade map.Ancestor Jin Kai tried twice, Discover the Power of Mexican Weight Loss Pills: Shed Pounds the Natural Way but due to the severe suppression of him by the space here, he was unable to successfully kill the light golden silver corpse.

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Wang s body in the garden. He cleaned up the scene, especially where Mr.He Chuan is older than Yin Shilan, but he is called Senior Sister Yin Shilan.

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The most important thing is that after accumulating solid knowledge, he can make alchemy perfectly outside the computer room space.The Sword Intent blade in Li Shiming s machine room space did not change because it left the sword mark, and it Hemp and CBD Gummies: Benefits, Safety, and Expert Opinions always maintained the state of the blade.

Most importantly, taking over the alchemy business is also constantly increasing his stock of elixirs, which are resources for his cultivation.After all, Silver Corpse Nan Ming s body has been specially modified, which gives him the innate ability to control Nan Ming s Lihuo, and as his realm continues to improve, this control ability is also constantly improving.

However, no monk noticed him. As long as the formation did not issue a warning, no monk would take the initiative to explore other monks, which would cause some trouble.Ancestor Ling Xueling said nothing more, because she sensed that another ancestor of Nascent Soul was approaching, and she would not receive him with his master, as that would make others misunderstand the relationship between Beishu Trading Company and Senluo Sect.

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Du Bingyan also sent him a new jade flying boat, and it was of better quality than the previous jade flying boat.At this point, Li Shiming s Spiritual Eyes was able to observe the subtleties.

Just now, the Jin Kai Patriarch on Yongle Island suddenly made some changes, which startled the seven Nascent Soul Patriarchs.He maintained his consistent alchemy ability, and after several hours of refining, he returned three fourth grade intermediate elixirs to the organizer.

Therefore, if you want Li Yuanba to grow rapidly, the best way is to find him an opponent in the middle stage of Nascent Soul, Kosher Gummy Vitamins for Adults: A Comprehensive Guide to Nutrition and Wellness (vQBDy) so as to better sharpen him.Under the guidance of the monk, he followed into the auction house.

As a fire type Nascent Soul, he would be extremely affected by fighting on the sea.As for Zhai Ge s powerful cave, Tianxing Trading Company is just guessing.

On the flying boat were six monks who were in the late stage of Qi refining.And Li Shiming s third grade sword base was stabbing, slashing, sweeping or teasing at various places on his body at various incredible angles, creating wounds one after another.

The tortoise shell is a small piece of the legendary Taiqing Black Tortoise.There are no horse and deer antlers on the outside.

At the same time, they are also recalculating The Ultimate Guide to Kelly Clarkson Keto Gummies on Amazon the reward for Li Shiming s alchemy.Li Yuanba s worry became even more serious. He did not dare to use his spiritual thoughts, which would affect Debunking Apple Cider Vinegar Weight Loss Myths: What 2025’s Top Nutritionists Say Elder Jian s ability to save the tribulation.

This incident will be passed down by many monks for a long time in the future.He looks like he has only one breath Kirsten Storms’ Weight Loss Journey: A Transformation Story in 2025 left. In fact, Qin Hu was not much better.

The main reason was that Li Shiming s age was too deceptive.Li Discover the Best CBD Gummies for Anxiety and Stress: A Comprehensive Guide Shiming placed the jade slip between his eyebrows.

Master Li, I wonder how you arranged the refining of the fourth grade elixir I also have a few fourth grade elixirs, and I would like to ask Master Li to help Patriarch Ge asked with a smile when he saw Li Shiming accepting the jade box.Li Shiming looked at the internal structure diagram of the mountain drawn by IBMz15, and he saw the outline of a cave.

At this time, Tianxing Trading Company and Tianwen Sect were both in Northern Shu, and this matter would also spread to their ears.Li Yuanba was practicing here in his silver corpse state, and his practice was making rapid progress.

Master Li only accepts the resources from being promoted to Nascent Soul as the reward for alchemy.And what would it be like for these two guys with thin skin and tender flesh to stay with hundreds of big and thick Qiuba every day He must have done the most tiring work, eaten the worst food, suffered the most severe beatings, and suffered the most anger Qin Hu estimated that his predecessor might Finding Natural Bliss CBD Gummies Nearby: A Comprehensive Guide to Benefits and Availability (rBBMJ) have been tortured to death.

The strange energy appeared again, trying to blind his consciousness, but it also failed.But the demon cultivator grabbed the Yuanying monk to keep him alive and provide energy, so how could he let the Yuanying monk die like this.

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At this time, Huan Yu had already taken six steps on the ancient stone bridge, but this seventh step could not be taken down no matter what.The secret territory of Liu Yan Shenjun s cave is rich in Finding CBD THC Gummies Nearby: A Comprehensive Guide (omJBS) spiritual energy and has been sealed for more than seven thousand years.

It makes people laugh Pfft Hearing Lu Yu s words, Fairy Gourui of Netherworld Hall laughed out loud and looked at Lu Yu with strange eyes.As long as he succeeds, he can Penguin CBD Gummies: Benefits, Science, and User Reviews break through the realm of the Immortal Emperor and point directly to the great road.

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However, no one took it to heart. To those proud people, spiritual energy that sweeps for dozens of miles is nothing.Uncle Huang, I m a little worried There was a hint of worry on He Zhenlong s majestic face.

He is so powerful. Even our master of the Cangshan Sect is no match for him.They were wounds from the sky What s even more shocking is that as they took action, the laws roared, and the laws of flames and the laws of magic flames confronted each other In a fight at this level, even the Taoist Master Lianxu and the Great Power of Hedao will be destroyed Following the aftermath of their fight, the mountain peaks were turned into powder, and the ferocious monsters and beasts were torn Finding the Best Cheap CBD Gummies for Your Needs: A Comprehensive Guide (cCxNG) into pieces of flesh and blood without even screaming Invisible ripples, even the void was shattered inch by inch Lu Yu reacted early and left quickly With Lu Yu s current cultivation level and his incomplete meritorious golden body, if he was involved in a fight of this level, he would probably be seriously injured As for the young demon lord of the ancient demon clan who did not react, the last bit of his soul was silently extinguished Completely gone I Harrelson's Own CBD Review: A Comprehensive Analysis of The Organic Full Spectrum CBD (kJyxp) Where to Buy Kelly Clarkson Keto Gummies: Unlocking the Secret to Easy Weight Loss am afraid that if the Young Demon Lord of the Ancient Demon Tribe is still conscious, he will definitely regret coming to Red Cloud Star to attack Lu Yu this time What an end The soul is destroyed Moreover, the young demon lord, who was full of resentment, could no longer see The Benefits of Vitamin Gummies for Adults: A Comprehensive Guide (vDkaK) the scene of Lu Yu s tragic death As for the fall of the Young Demon Lord, neither Lu Yu, nor Demon God Kaili, nor He Wenxin cared at all In their eyes, a divine son like existence like the Young Demon Lord of the Best CBD with THC Gummies: A Comprehensive Guide to Relaxation and Wellness Ancient Demon Tribe is nothing more than an ant Boom The terrifying battle swept across thousands of miles, causing the entire misty forest to tremble and almost collapse Under that thousand foot magic sword, even the phantom branches of the Suzaku Sacred Tree were torn apart And the monstrous fire phoenix that He Wenxin transformed into had its divine light dimmed The demon Wei Li was so powerful that he laughed wildly and said It s been ten thousand years, He Wenxin, you haven t made any progress at all, and you are getting older.

At this moment, Elder Feng Nu of Shuijing Sect looked at Lu Ziji angrily and suggested Why don t we do it together We must not let Lu Ziji go today.Him I guess he escaped from Huacheng. Otherwise, you would have dared to stay after committing such a big thing After everyone discussed the Thousand Blade Sect and the lawless Comprehensive CBD Drops Reviews: Effectiveness, Benefits, and User Experiences (pjitX) murderer for a while, most of them were just guessing.

as Lu Ziji went to Cangshan Star, he did not come back for more than two years and was rumored to have died.Get out After hearing this, Lu Yu s eyes narrowed, and a cold light flashed What if we are discovered The Scarlet Flame Pavilion Artifact Spirit said with a guilty conscience If we are discovered, we will encounter the secret formation.

After all, he was young and had lower cultivation level.Fenglei Sect is Understanding the Benefits of Broad Spectrum CBD Gummies for Relaxation and Wellness a first level immortal cultivation sect, and its strength is many times more powerful than Shuijing Sect.

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After taking a look around, he poured a basin of ice water directly In those star fields with more spiritual energy, Danger is always with you.You have fallen, and now What's in CBD Gummies: A Comprehensive Guide to Ingredients and Benefits (BAhuG) you dare to show off your power Gurui, be wise and get out of here quickly.

Everyone was confused and puzzled. This, this, this what is going on How did we get out of the Red Flame Pavilion in an instant Did we violate some formation restrictions But why does everyone seem to be kicked out I don t know.The prowess of Lu Ziji s formation master alone was enough to attract Rui Rui s attention.

Hey In this deep mountain and dense forest, you can actually see a Qi refining stage immortal cultivator.Who can know about you Yan Xunnan, obediently hand over the Heaven and Earth Xuanhuang Fruit, otherwise the old demon will rape you first and then kill you Zhenhai Taoist Lord, the white clothed sword god Chu Jingxiao, the three brothers of Tianma Demon God, Xuanling Taoist Lord, Zi Ancestor Yun and other Taoist Masters of Refining the Void, and even the Great Master of Hedao, looked at Yan Xunnan with stern eyes.

He is eight hundred and seventy three years old. He is a cultivator at the peak of the Divine Transformation Stage.They will be arrested soon It s simple to think, they are so strong, if they don t attack with all their strength, they might capsize For a while, the International Warrior Network was arguing endlessly.

Driven by the palace master, a large formation was The Hemp Dr Gummies: A Comprehensive Guide to CBD and Delta 8 Edibles (URLJP) formed, just like the cold moon falling, bringing Natasha Lyonne’s 2025 Weight Loss: 7 Transformative Steps Including Apple Cider Vinegar, Two Weeks Before Christmas with it a great terror that would destroy everything boom Facing the impending war, Lu Zhen and others were anxious and didn t know what to do.Identity will not bully the small. Unless there is a genius like Yunyun Sure enough, the Discover the Power of Healthy Weight Loss Pills: Your Key to a Fit Body leader of the Blood Hand Sect didn t even New Year’s Eve 2025 in Canada: A Resolution’s Aid: Will Apple Cider Vinegar Help You Lose Weight? bother to fight with Feng Zhang, a junior, and directly asked the Golden Core disciples of the Blood Hand Sect to Experience the Power of Nature: Braggs Apple Cider Vinegar Recipe for Sustainable Weight Loss fight with Feng Zhang.

Princess Lu Xiao, Bai Xixi, Zhuang Ling er and others were also extremely worried.Even though Lu Ziji has some abilities and masters some formations.

Facing such a powerful and terrifying Zhao Xuan, is Lu Ziji a match But Lu Yu, facing the fierce and powerful Zhao Xuan, had a touch of sarcasm and contempt on his lips, and looked down upon him.The result was that he was crushed by Lu Yu with a merciless punch.

This further stimulated Lu Xiao s competitive spirit, and he must win over Lu Ziji.At this moment, Ma Shen s gaze was not at Maximize Your Results: How Keto Weight Loss Pills Can Accelerate Fat Loss Lu Yu, but at the two brothers Long Baisong and Long Qingsong, with resentment and anger that could not be Exploring the Benefits of CBD Gummies at CVS: A Comprehensive Guide to Natural Relief washed away by all the rivers and seas Long Baisong Long Qingsong You two bastards actually took advantage of this kid and tricked me This matter is not over You want to protect this kid, then I must let him die today Ma Shen also believed that because Lu Yu Crafting the Best CBD Gummy Recipe: A Step-by-Step Guide to Delicious and Potent Treats (hEKqf) didn t have Bioblend CBD Gummies Cost: Benefits, Ingredients, and Reviews the ability to slap him away, it must be the two brothers Long Baisong Experience the Power of Alpha Max CBD Gummies: Unlock a Holistic Approach to Wellness and Long Qingsong who used some weird method to use their strength to trick him.

which will shorten the lifespan. But when it comes to the divine transformation stage, it has a lifespan of thousands of years, which is extraordinary.If he failed to persuade peace, he would still have to work hard.

Instead, her beautiful Enhancing Intimacy with Sex Libido Gummies: A Comprehensive Guide (eGhxj) eyes turned and she looked at Lu Yu with increasing interest and said, Fellow Taoist, this misty forest is located between the Northern Cold Territory and the Western Wilderness Territory And behind the little girl, The Nether Palace in the Netherworld has a lot of research on the misty forest If fellow Taoist Does Kelly Clarkson Endorse Weight Loss Gummies? Let’s Dive In! follow the little girl, you 10 Surprising Benefits of Adding Protein Shakes to Your Diet for a Healthier, Happier Spring will definitely gain something by then After hearing this, Lu Nufarm CBD Gummies Review: A Comprehensive Analysis of Ingredients, Benefits, and Effectiveness (uHwGq) Yu frowned slightly, looked at Gou Rui, and said No You know Fairy Gou Rui, why do you have to go with me After saying this, Gou Rui looked at How Busy Moms in the U.S. Can Lose Weight in 2025 with Keto and ACV Gummies him charmingly and chuckled My fellow Taoist is brave and handsome, but this little girl Understanding CBD Gummies Sour has fallen in love with you Just right The little girl doesn t have a Taoist companion, so she is destined to come to the misty forest at the same time After Gou Rui said this, everyone around looked at Lu Yu, their eyes turned red, and they were extremely envious and jealous.

Lu Yu was not flattered at all. He looked calm and said calmly His method is wrong What Hearing Lu Yu s words, Gou Rui was surprised and his beautiful eyes widened.No creature within a radius of dozens of miles can escape the pursuit.

Among the many talented disciples present in the Cangshan Star The Effects of Sex on Weed Gummies: A Comprehensive Guide (UBhDK) Cultivation World, Zhou Tianchou is Gummy Me Enlarge: A Comprehensive Guide to Breast Enhancement and Wellness (qIovQ) probably firmly in the top five, or even the top three Except for Feng Xin, Unlocking the Power of Lipo B12 Injections for Effective Weight Loss who is firmly at the top, no one else dares to say they can defeat him Master Zhuang Finding the Best Full Spectrum CBD Gummies for Sleep: A Comprehensive Guide (KUMhp) Yu was also sweating, watching intently, and became worried However, at Enhancing Male Performance with Green Lobster Male Enhancement Gummies: A Comprehensive Review (qdkuk) this time, Lu Ziji was sitting firmly on Mount Tai, calm and composed, as if he didn t know what fear was.

They even killed several demon kings in the divine transformation stage under the Pegasus Demon God, causing the Pegasus Demon God to roar again and again, but they were helpless Seeing the performance of Luo Wenxing and Yan Xunnan, others were also shocked.Such strength was beyond their imagination. Although they knew how powerful Lu Yu was through Bohai Can Keto Gummies Cause Constipation? A Comprehensive Guide to Choosing the Right Product s killing of Lei Jun and Rongshuang and the casual overthrow of the headquarters of the Creator Organization.

Elder Qing, that person is Lu Ziji What Lu Ziji When Fairy Mi finished speaking, Hu Yao and other disciples Hustle Butter CBD Luxe Review: A Comprehensive Guide to Tattoo Aftercare (naJKb) in the interrogation room were all dumbfounded and horrified There were thick beads of sweat on his forehead, as if a faucet had been turned on, and it was flowing down How could they not know Lu Ziji s name During this period of time, it has completely caused a sensation in the entire Cangshan Star Cultivation World At the Baijiang Conference, he became famous in one fell swoop He successively killed Gong Haobo, Zhou Tianchou and other talented disciples.

This is not the first time that Wuhua Sect and Shenghua Sect have assessed and recruited disciples, and it is not a strange thing There is something more important now than Wuhua Sect and Shenghua Sect s assessment of disciples At this point, the man still said He carefully used a soundproofing method, but naturally he couldn t hide Lu Yu s eavesdropping, or he couldn t use eavesdropping.