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 la Delegación de la Canacar, se tienen más de 6 mil 500 unidades de 169 empresas afiliadas. Desde aquí se maneja 74% de la carga consolidada de la región y 9% del total nacional.
Como parte de su transformación, Aeromar ha renovado su flota con aviones del fabricante franco-italiano ATR, que brindan confort, seguridad y además debido al bajo consumo de combustible, son aeronaves sustentables.
From the information received from the surveillance, both Elder Baili and the Foundation Establishment monks guessed that the two late stage Qi refining monks had gone to assassinate him, so it was normal for the items of the two late stage Qi refining monks to be in his hands.But under the infrared probe, the thermal image of Lao Si was clearly exposed to Li Shiming s eyes.
Usually this situation shows Jin Shufeng s special status.If he saves five breaths of time, he can also increase the maximum distance to three hundred meters, which is the farthest teleportation distance he can achieve.
If two are not enough, then use more. Of course, the middle grade magic weapon Gatlin needs to be controlled.He saw that the three foundation building monks of the Tie clan were still attacking, but the attack frequency was no longer so intensive.
He quickly analyzed and calculated his winning rate in the battle.When flying close to Duifeng, I received a reply allowing the assessment.
This is still skin, Yun Xingyi s muscles have stronger defense.At least until the problem of greater energy is solved, Li Shiming cannot equip Nezha with more powerful thermal weapons.
Hearing these familiar words in the world of cultivating immortals made him feel extremely bad.He gritted his teeth and said. Nowadays, the involution is very serious.
He knew about this formation. The formation s function was to transmit messages, scan the surrounding spiritual energy fluctuations, and be used for communication and warning.It is all rumors and the like. This can be regarded as satisfying the curiosity of the monks in the Qi Refining Stage about the elders.
Competitive. Hesitating in battle will result in losing the opportunity to enter the battle.Although the space here is isolated by spiritual beings with an insulating aura, he does not believe that this method can take him out of the Hundred Thousand Mountains.
Next to the spirit stone, three golden jade slips and one purple jade slip were suspended in the air, attracting his attention.The middle grade magic weapon Gatling is a real killer weapon.
They are waiting here, ready to watch the show. If Wang Chengjun comes back, it means that Li Yuanba, the true disciple, is finished.If one does not break through the Golden Core Stage, he will never be able to break through again.
Perhaps there are two branch spiritual veins heading towards Eagle Beak Island.It is estimated that even if all the sword cultivators in the Beishu continent are captured, there will not be this number.
Seeing the seven monks coming out, the Qi Refining monks from Beishu came forward without giving in at all.Elder Yin completely accepted this explanation without any doubt.
There is no need to worry about the problem of dizziness caused by spinning too much.You must know that he would not eat the middle grade Bigu Pill himself.
Li Shiming did not hesitate at all. He was convinced that his body s defense against high temperatures would not be harmed at least in a short period of time.He put the Light Body Technique in his hand and read several other books, Fire Bullet Technique , Object Expelling Technique , Sound Transmission Technique , and Freezing Technique.
Whatever he wanted to do, he put away the formation flag and moved on the valley wall towards the direction of Wei s station.He had been hit hard before, and now it was time to take revenge.
Xu Chuan, why are you hurt so badly Uncle Ma glanced at Xu Chuan and said while throwing out a bottle of pills.Besides, if you use a defensive weapon, you may suffer less damage.
In order to avoid getting Li Yuanba into big trouble, Li Shiming took his natal corpse into the computer room and used plastic surgery to modify his face.Under the control of his consciousness, it is no different from him in the outside world.
Otherwise, the world of immortal cultivation would not attach so much importance to the spiritual roots.If the genius monks are lucky enough, they may be able to go one step further and become a golden elixir monk.
Several of these monks also hid their faces, and even some of the stall owners hid their faces.He did not think he was qualified to ask about this matter.
What they were examining was the situation at one of the 128 nodes at the earthquake peak.This was specifically mentioned by Xu Chuan. He was not too confident about the channels here.
He canceled the Sword Escape, replaced it with the Flying Technique, and moved close to the ground towards the location where the sound was coming from.Physical labor such as spiritual mines is performed by monks.
This method of communication cannot see the other party s expression, and you always have to guess what the other party is thinking.He walked across the stone bridge and was about to return to his yard.
Li Shiming did not participate in the final auction of the super grade magic weapon.When he returns to the cave, through the ghost environment of the Netherworld Ghost Realm , the clone s injuries in the corpse refining state can be quickly recovered.
Originally, the mission this time was very simple. A monk who was doing things in the secular world would not be too strong.From Xiaosi Mo Yan, I learned that there is black stone in a nearby mountain.
But it s different when Elder Sheng takes charge. Elder Sheng has nothing to do with Li Shiming.Judging from the situation in the pit and surroundings, the power of this blow is extremely amazing, even exceeding the power of ordinary Qi refining in the later stages.
Moreover, when the clone practiced the Bing Xin Jade Thought Technique , the spiritual thoughts improved a little too fast, even exceeding the improvement speed of the main body s spiritual thoughts.After entering, there was a main hall with hundreds of stone tablets erected in it, which looked extremely strange.
While he was watching, the transparent flying boat stopped, and the five monks spread out to outflank him.Sword Intent, this is a sword cultivator He exclaimed.
That day, he was chased by the four clawed dragon demon.I can only hope that the true disciples can contain this half step Arhat Elder Jindan shook his head and sighed.
She had spent some time with Li Shiming, had seen Li Shiming s combat power, and knew the defense of Li Shiming s turtle shield.The monk of Wanfo Sect had a chance to break away from the battle.
He sent a message to Yu Yongan from Qianlong Trading Company to order a high grade metal sword.The rest are top grade magic tools. Even the top grade magic tools are of extremely high quality.
Mo Yan, you should study hard with Manager Zhang and be more stable Li Shiming turned to Mo Yan and confessed.This is the country s most important talent training channel.
No matter which sect, The Jindan elders are extremely mysterious.Monks have many invisibility techniques, but most of them are of little use to monks.
No matter whether Mr. Wang s bodyguard was out of helplessness or not, it was a fact that he was threatened with poison.His consciousness entered the computer room space. In the computer room space, there was a long pipe.
But it s different now. A piece of third grade metal is placed in front of him.This kind of fighting experience is not much, even the slow enemies have at least one or two explosive methods.
Look at your appearance, how can you be worthy of Fairy Yin You are a piece of garbage with three spiritual roots.What a joke, the Qi Refining monk is not a monk except his son.
If he wants the sect s foundation building monks to handle this matter, only if he dies in Zhongdu can the sect send the foundation building monks over.No matter whether it is the Seven Sects monks or the Northern Shu Qi Refining monks, they have no right to take the initiative to admit defeat.
The world of Immortal Cultivation in Northern Shu is called chaos , and the emergence of the Senluo Order is only a small aspect of it.He has experienced too much in the world of immortality and has long been accustomed to being on guard.
All the secret books here are from the Ten Spiritual Stones stall owner Zhang replied in a deep voice.Boom , the attack of the three powerful talismans only made a loud sound.
I like flowers and plants very much. Thank you, Second Senior Brother and Third Senior Brother Li Shiming smiled quickly.As for the spirit insects, under the intensive attacks of sword light and sword intent, each body was broken into several pieces.
After a soft introduction, she stood behind her father, Elder Yin.However, with Li Shiming s reminder, he quickly discovered something unusual.
Even if he did not use the Foundation Building Pill , there was a certain probability of successfully breaking through to the Foundation Building stage.Elder Yin did not participate in the battle. After the battle here, he notified the elders of each sect to come and look for the enemy.
It is a medium grade defensive weapon. I will charge you three hundred spirit stones The old monk nodded hurriedly.Weapons in the golden elixir stage are called magic weapons.
Today, I sold it again to Aoming Technology, which was backdoored by Xingyu Technology.Hua Yu was not at home, but working at Stars Capital.
the Shanghai Composite Index finally closed up 0. 35 at 2315.In the recent period, when the concept stocks of Galaxy Group have been hitting their daily limit continuously, the big financial sector has been very excited.
Now the investors who won the lottery for Xingyu Technology have already received text messages, and the stock trading circles are basically discussing it.After the market opened, Quantitative Capital quickly rushed to the price of 43.
As long as the market falls, the stock will rise, so it s okay to be bold and buy the bottom when the market falls.Last year, he earned more than 50 billion yuan from going long in the A share market.
Of course, this is also reflected in Xingyu Technology s operating costs, which are far higher than those of its competitors.Tian Jiayi nodded to himself thoughtfully, it is indeed a very good one to be linked to his personal medical credit rating.
They then use these profits to amortize R D costs, and products are soaring under Moore s Law.My colleagues are so envious Lingke TV will probably become the largest platform in the domestic online live broadcast field.
To put it more down to earth, at this time, you must develop steadily and not be reckless.The hacker in the video claimed that in order to reveal the truth and uphold justice, he hacked those social networking sites and claimed responsibility for the network intrusion.
The reason for the surge is the expectations brought about by the listing of a series of subsidiaries of Qunxing Capital.There was such a huge demand for computing power. and data needs However, this also made many people realize that Chen Yu was really spending real money to invest in technology development.
but was tricked into it by the good news. The index gapped down by 1.The exploration site in this video material is located in the upper reaches of the Yellow River Basin.
Since this company joined the Xingyu Technology supply chain system, the company s stock price is Rising steadily all the way, it is one of the few stocks in the two A share markets that bucked the trend and strengthened under the bear market environment.Throughout September, the market index fell into dog territory.
In fact, the same is true for animals in nature. when the living environment becomes harsh, animals will reduce the behavior of breeding offspring.Qunxing Capital is not hot money. Even if the hot money is doubled 10 million and earns 100 million, the 90 million earned can be thrown into a few steel shops in the market.
On Wednesday, September 25, the stock price of Quantitative Capital broke the limit for the first time, with the stock price falling to 203.5 billion from QunXing Capital. MiHoYo s post investment valuation was RMB 7 billion.
It actually told me the position of the exhaust valve, and also asked if I wanted to search for pictures
The man was surprised. The contact entries generated were so powerful.4 billion yuan. Moreover, the market is so strong that it holds high and the holders have little desire to stop profits.
This is the result of Fang Hong s massive investment in the semiconductor field by Star Capital over the years.Since the market pulled up a strong positive line last Friday, it has not continued to hit new highs this week, breaking through the high point of 2145 hit last Friday.
When the United States and the United States start to fight a technology war, Qualcomm will definitely lobby harder not to do so, and will try its best to help Xingyu Technology speak up.People who bought today were relieved after the shock in the market and expected to double the amount of meat, but now they were dumbfounded.
If he stepped into the room with his left foot first, he would be fired directly Or if you get the handle, send the person in directly to step on the sewing machine
The next morning, Fang Hong came to the Quantitative Capital headquarters again.256 billion yuan. What is this concept In the past year of 2011, Xincheng s total fiscal revenue for the year, excluding the tax paid by Qunxing Capital, was approximately 139 billion yuan.
71 at the end of the day. The stock price closed at 169.This is a counterattack. Foreign countries are now planning to stop selling our lithography machines.
There are quite a few people who seem to have been infused with inexplicable courage.Senior Brother Xiang is in the ninth stage of the True Law.
As for Yu Li s blow, since it was taken, there was no reason for it to miss.Two people from the east, two people from the west, Walk towards each other.
Come on. When you re done, just light the fire with the green flint and ignite it.This is the reason why after this person used the magic method of leaving the body with his gloves, his hands, which were only a few feet in size, were able to block nearly half of the damage in one fell swoop.
Qingquyu looked even more disbelieving and said Gui Taoist friend
are you saying that the ancestral domain will be unified and there will be no more chaos Which hero, who has not been born for thousands of years, can do such a thing Gui Wu Jiu smiled and said, You don t dare to be a hero who has not been born for thousands of years.
Everyone looked up and looked at each other, with astonishment on their faces.Now he can help temporarily, but it is beyond his imagination.
As soon as Jiang Minyi s punch came into contact, the complete attack power immediately turned into full repulsion power.With Xi Lerong s advanced realm, it is not difficult to catch the slightest abnormality.
The real reason is that Gui Wujiu, as this dome The true core is suddenly closely connected at this time, and external forces are naturally absorbed and endowed with spirituality.Xi Zhenzi and Mr. Li. Passing through the court mountain area of Dajue Mountain, a half decayed Yin Yang Cave was found by the last use of this cave, it collapsed and its traces were covered.
Because I don t like its greasy nature, I almost never eat it Fei Nan smiled lightly and said Why should you be surprised The sky is like this, the earth is like this, the sun is like this, and the moon is like this.However, Xi Lerong Yingyuan s scorching gaze fell on Xi Lerong without hesitation apart from not believing it, There seems to be another difficulty in letting go.
Gui Wujiu s journey to break through the realm, Ziwei Sword gained a lot, but no matter how much it was, it was not as much as the little blacksmith.Mo Tianqing said silently in his heart Bao Yue Kongyin, the Great Demon Lord.
One step wider, including those who have influence, know their way and hear their names, the scope is much wider roughly eight tenths of the important places in the Ziwei world that are rich in resources, outstanding people, and have good luck are included.Just now, Teng Ziliang was the first outstanding character but the person in front of him has greatly improved.
If you take the path of detailed analysis and detailed observation, you can only get a complete and slow glimpse of the whole picture, which cannot be reflected in your heart But if you add the best forbidden method to deduce the secret technique, there is still a chance.The words surrounding it, with writings the same size as those in normal books, are the secret scriptures of various clans in martial arts.
If it is expressed in words, no matter how voluminous the volume is and the words and sentences are carefully chosen, it will still be slightly distorted.I would not have thought that the display of boxing skills in this cultivation way is actually completely redundant.
Qin Menglin reached out and flicked it, and the image of the soul pearl flashed from his palm.The four of them turned to look at each other at the same time.
Liang Zhenjun was startled and said Yes. Just go to the Jiuzhuan Lingguang Palace.When they first mentioned it, Xian Dao and Ying Yuan asked about the situation of the two formations of the Dragon Clan and the Phoenix Clan, and said that they had a way to deal with it.
The length of time the Wait Array persists is the same.But Gui Wujiu had already made up his mind. Since I have been able to complete the path to enlightenment so far, I will definitely be able to complete this wonderful deed.
The shadow of the fist is in front, and the shadow of the toad is behind.Just one breath after Dongfang Wanqing said twenty breaths , Feng Qing entered the battle, and Long Yun was in the rear sweep formation.
There is only one flaw Taoist friend You Caixin does not yet have the combat power shown in your imagination.Xu Muyin frowned, but stepped back continuously. Just as the rabbit was rising and the falcon was falling, the situation of the battle seemed to be somewhat beyond his expectation.
Look at this baby image. It stands firm immediately after landing, and its big eyes are bright and lively.Xiandao and Yingyuan did not really want to escape and hide with them.
It can quickly analyze the pros and cons, check and balance the solution
While speaking, Qin Menglin s voice was erratic, and he returned to the way he had just reformed Mo Tianqing.Even if he doesn t have such shocking achievements today, this status alone is enough to be transcendent.
In other words, Gui Wujiu s wonderful idea of the combination of his own paddle wheel, the sword s paddle wheel, and one of the nine branch paddle wheels, the three paddle wheels , could not be completed for a while.