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.
Al utilizar la IA de manera estratégica, las empresas pueden no solo mejorar su eficiencia operativa, sino también fortalecer su capacidad para adaptarse y prosperar en tiempos de incertidumbre.
Con iPads en las cabinas de mando, los pilotos tienen de primera mano las actualizaciones en los aplicativos encaminados a potencializar las labores a bordo.
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.
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Hearing the maid s answer, Li Shaoting immediately felt relieved.Li Mrs. Li, I m back. Mrs. Li His voice It s very soft and full of magnetism.
she said lightly I admit that what I said to Sister Zoey at Li s house during the day was from the bottom of my heart.Suddenly , I remembered what my great grandfather said not long ago.
However, you should be more careful in the future.There are mixed fish and dragons in the sect now.Xiaocao er heard Shao Nan s words Annoyed, he quickly explained.
After all, they didn t have the ability to leave even if they wanted to leave.That being the case, it seems that they have to stay in Jinxingfang City for a while.
Standing outside Deyuan Town, Shao Nan was afraid to enter it.True Monarch Puyang had a good idea and tried his best to kill Shao Nan.
The former Holy Fire Glazed Sect Huixu Zhenyi could not find the monk with the mutated spirit root of Leihuo, so he could only continuously strengthen the formation.At this time, someone finally noticed Shao Nan.After all, Shao Nan might have seen what happened to the five returning to Shinichi, if Shao Nan spread it.
Patriarch Nangong shook his head quickly, signaling Nangong Chuang to stop talking.Why it came out like this Even with Fan Tianyou s strong attack, the test stone tablet immediately gave the test results.
Shao Nan was still worried that what he said would be different from what Lianzi Shinichi said, but he didn t expect that he would be completely ignored.Many pills from the chaotic ancient times Nature Abl Boost Gummies For Ed Reviews Key Insights are replaced by better pills today.
I have several methods in the fairy world, but unfortunately I can t succeed in the colorful continent.How could Lan Yin not have a spirit fire Why does Lan Yin have no spiritual fire But Lan Yin has no spiritual fire This time, the trio Cbd Gummies For Ed Vxyijsd Comprehensive Reviews And Consumer Feedback s test attracted even more attention.
Shao Nan was not idle.It is absolutely necessary to inquire about the news in advance.The shouting on both sides did not shy away from any of the guests, which made Shao Nan a little surprised.
However, this time, True Monarch Bengshan secretly gave Lan Yuanzhou thirty two praises in his heart, which is really good.The monks who started the test later, some of them were strong enough to squeeze out the others.
No one knows what is in the restricted area.Only Huixu Zhenyi knows.Hearing Xiaocao er s voice, Shao Nan s expression changed drastically, and he immediately summoned the Langya Xuanyan Sword, and directly shot it out with Yujian Biao.
This is driving yourself to death.I really don t know what I have offended the other party.Other methods are fine against ordinary monks.There is no need to think about dealing with the Dacheng Fire Spirit Dragon.
Almost all members of the Bibo Extenze Male Enhancement Maximum Strength Msnx Reviews An Indepth Look At Its Effectiveness Huanyue Clan believed that it was the human race who bullied the Bibo Huanyue Clan and drove the Bibo Huanyue Clan out of the Colorful Continent.Picking up the jade bamboo slip given to him by the black faced boss, Shao Nan began to study the information of Jinxingfang City.
One of the reasons why Lan Yin and others were able to form alchemy in their twenties was because they had the support from their door to door Even so, Schwing Male Enhancement Gummies A Comprehensive Review Wtsdj Of Benefits And Effectiveness Qbyuu Lan Yin and the others only possessed the strength of the Jindan early stage.The formation of this volcanic restricted zone was arranged by our ancestors back then.
Only.At this critical time.After another mutation, Shinichi Hoshiho came out and announced the fire control competition in person, which is really unusual.Moreover, he did not encounter any Euphoria Green Cbd Gummies Rpgyrsak For Ed Reviews Reviewing The Euphoric Effects On Ed obstacles in practicing until the golden elixir was completed, which made Shao Nan feel relieved.
If Lan Yin is also spiritual Huo, I guess Fan Tianyou is not an opponent, right Fan Tianyou wanted to cry, but that s not how the script was written Isn t the audience supposed to be discussing the genius who got the first place Why did I get the first Ultra Cbd Gummies For Ed User Reviews And Ebn Insights place, but no one mentioned it He is also a fire control genius.
Xiaocao er said slowly.What do you mean basically all Shao Nan had long been helpless at Xiaocao er s unreliability, but now that he heard such an inaccurate answer, he immediately became vigilant.
Shao Nan also left the teacher s door before he had time to learn from his teacher because of accidental foundation building.Of course, there are still many, many geniuses in fire control who are waiting for Qingyan Zhenzun to announce the specific test items.
The two left the cave as quickly as possible after knowing the general situation from the Soviet army.Perhaps it was the unexpected gain of the Bibo Huanyue tribe who went to the Colorful Continent back then.
Right now, there are more than a dozen Void Returning Tigers outside, and it is absolutely impossible not to maintain the best condition.However, something that surprised Lan Yin even more happened.
The Huo Linglong just saw the dark purple rune move, and was hit by the dark purple rune before making any reaction.Maybe I should find some time to go back to Deyuan Town to Regen Cbd Gummies For Ed Restorative Benefits Explored Kwgworh have a look.
Just after Shao Nan started to practice, in the Lingxiao Pavilion in Jinxingfang City, an old man in a blue robe held a cup of fragrant tea in Science Cbd Gummies Mg For Ed Oufrv Detailed Analysis And User Testimonials his hand and sipped it gently.However, Shao Nan did not immediately show signs of mastering it.
Hello, Master Zhou Yuliu saluted Shao Nan with a sly smile on his face.Although I don t know whether Huashen Zhenzun and Huixu Zhenyi have any actions, they must be ready at any time.
Chai Jingming was very envious of Shao Nan being able to worship under Jiuli s sect.Perhaps this is the reason why Sword Master Jiuli threw himself out after teaching the way of swordsmanship.
The Peerless Immortal Wine not only brings a legend, but also brings the spirit wine business Penguin Qcabsj Cbd Gummies For Ed A Detailed Review of Tianji Sect to a higher level.Seeing Xing Xinyu, Shao Nan remembered that Jian Aoshan was also a fire control genius.
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Rushing towards the little fire spirit dragon like moths to a flame.Otherwise, the two of them would probably have been caught by a group of Huixu Zhenyi before they left the restricted area of the volcano.
The sect of refining gods and conferring demons, Fenglei Wuding sect, Jubaozhai in the early days, Qiankun sect, Bailian Ziyang sect, Ziwei extreme fire sect.Maybe I should find some time to go back to Deyuan Town to have a look.
It s a pity that it s only almost.It s not that the people of the human race didn t want to destroy the Bibo Huanyue Clan, but because the Zibo Viper Clan, one of the ten thousand tribes, appeared and rescued some members of the Bibo Huanyue Clan.At a glance, he could see the loopholes in Yan Jianbai s Best Gummies For Ed Top Picks Rated By Effectiveness Pwt And User Reviews current magic weapon attack.
Even Amazon Cbd Zerb Gummies For Ed Finding Trustworthy Products in several dangerous situations, some feelings gradually grew.With Xiaocao er s assistance, Shao Nan has always had a higher level of spiritual consciousness than monks of the same level.
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The few people briefly exchanged their experiences and made sure that there were no flaws in the plan, and they finally felt relieved.In this way, the problem of communicating with other people is also saved.
The alchemy ceremony officially began.To be continued.Sure enough, Bio Lyfe Cbd Gummies Mplldzbba For Ed Reviews Business Feedback within five minutes, the Iron Martial Crab behind him entered the attack range, and a series of water arrows launched a volley at the group of people.
If you compare people, you will die, if you compare goods, you will throw them away.But after seeing the token, Xiaocao er told Shao Nan that this mountain must be climbed.
As for the various spiritual fires refined by the geniuses in this fire control competition, they are basically resold by high level monks.In the first round of tests, more than half of the geniuses passed the test, and those geniuses who passed the test were all arrogant.
In the past few months, this project has been practiced the most by myself.A thousand fire control geniuses, no problems.Lava lakes, no problem.
Lan Yin frowned tightly.Although Lan Yuanzhou and the others have lived in the Sacred Fire Glazed Tile School for more than 40 years, compared with Lan Yin, their understanding of the Sacred Fire Glazed Tile School is still far behind.I finally came back to my senses.Could it be that my guess was wrong.
Por Alejandro Saracho, experto en finanzas personales; autor del libro Reconfiguración financiera.