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

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At that time, Lu Ying had good intentions and wanted to become a Taoist couple with that beauty. That little girl was also serious about starting a fight at the slightest disagreement.Besides, Zheng Juzhong has no reason to fight with you. Seriously, whoever you mess with, no matter whether he is in the Ascension Realm or not, I can help everyone, but I am really powerless when it comes to Zheng Juzhong.

It s just that the little girl is more sweet tempered and has not left Shujian Lake yet. Instead, she often goes to talk to Tian Hujun and a gatekeeper woman on Qingxia Island.The former belongs to the second rate immortal family in Aquarius Continent, and is relatively at the bottom.

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Let s reminisce about the past, don t worry, I m here to accompany you Do Thc Gummies Help With Blood Pressure A 886 Comprehensive Analysis Veyxf and I will never interfere with the discussion between the two of you.At this point, Chen Pingan stopped talking and said to the others Just go back and practice swordplay.

If Jiang Shangzhen loses his mind and goes crazy, who wouldn t dare to kill him This must have been one of Understanding Cbd 01971 Gummy Bears And Air Travel the Dr 00657 Oz Diabetes Cbd Gummies Natural Management Benefits reasons why my father showed mercy to the Taoist Sword Immortal.And next to this Jade Purity female cultivator was the unsheathed narrow sword Zhan Kan. Chen Pingan held up his sleeves with his hands, stood up, and said with a smile Sister Jiangshu, you have such a good demeanor.

I, Sect Leader Jiang and Lu Jianxian, all drank The Benefits And Science Behind 85 Bakers Cbd Gummies A Comprehensive Review Mqisz at the same wine table. The young man was a little annoyed. He turned his head and stretched his neck, Are you bothered or not Why don t Cbd For Autistic 73 Kids Support Calmness And Focus Safely you just beat me to death and it will count Come on, come on, use the Sunset Cbd Reviews A Comprehensive Analysis Of Efficacy 23059 And User Satisfaction Ihzgw flying sword The Best Thc 716 Gummies Of User Favorites to chop here, what a big water sword cultivator , acted so domineeringly, fortunately Sect Master Jiang secretly had a drink with the love struck Lu Jianxian to talk about heroes, saying that among all the swordsmen in Nan Po Suozhou, Cao Xi Sleep Gummies Costco A Comprehensive 6615 Guide To Better Rest Xrooc and his like were not 62 Green Ape Cbd Gummies Unlocking A Greener Path To Wellbeing worthy of carrying his shoes, only the Great Shuiyuan Sword Immortal , it is the man and the sword who share the same love, and they deserve a toast from him.

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On the one hand, this sword has too much sword intent. As an old swordsman who has reached the top of Haoran s swordsmanship, Pei Min is actually no stranger to Bai Ye s swordsmanship and sword Taibai.The golden elixir sword cultivator was extremely surprised. He sensed a sword light in a thin cloud and mist, and quickly used his mind to control the natal flying sword back to the acupoint to warm it up.

A five mountain talisman represents five mountains. When the penultimate mountain came down, Chen Ping an threw out a habitual punch, which only made Understanding The Benefits Of Doozies Cbd 2598 Gummies For Overall Well the mountain shake slightly.This guy has been very prosperous in Fuyaozhou in recent years. He insisted on dividing one continent and two armies.

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Chen Pingan turned around and nodded, It s not good, it needs to be changed, so I ll give you the answer now, no.I m offended. This place is really weird, everyone is weirded out, and it s very scary all the way, making it easy for people to walk.

The old master of the Yugui Sect narrowed his eyes and smiled softly. The old Artemisia master Ni Yuanzhen appeared outside the door of the mansion.Chen Pingping reached out to Xiaomi Li, who was standing on the stool, and pressed it twice. When we go out and walk in the world, we must be steady and restrained.

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