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.
Para garantizar la seguridad adecuada, todos los dispositivos requerirán una protección sólida equitativa, incluidos los dispositivos personales que interactuan con múltiples redes.
Soluciones en la nube permiten a las empresas ofrecer una experiencia omnicanal, así como la capacidad de mejorar la configuración del proceso de compra-venta.
Not only that, martial skills and treasures can also be superimposed.Die to me The long sword was like a dragon, with a shocking aura, stabbing forward fiercely.
Netizens please remind Please pay attention to rest your eyes when reading for a long time.Seeing the other party s expression, Elder Linghu s eyes flickered with surprise.
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Hearing this, Murong Qingcheng and the others were silent for a while.Fall towards the bottom. And that direction is exactly where Lin Xuan and the others are.
However, at this time, the situation suddenly changed.After all, the status of the Shendan Hall in my holy religion is unmatched.
Netizens please remind Please pay attention to rest your eyes when reading for a long time.However, no matter how they howled, they couldn t change the fact in front of them.
When he was considering whether to make a move, Lin Xuan took the lead in the distance.However, black flames gushed out of Lin Xuan s body as well, and the two flames collided and intertwined in the air, emitting a blazing light.
You are from Shendantang Lin Xuan asked with a frown, because in the Black Dragon Sect, only people from Shendantang have flames You guessed wrong again, we are not from Shendantang, but Yuluo from the Pink Family Sha invited us The Benefits And Effectiveness 38 Of Vive Cbd Gummies Sour Worms For Overall Wellbeing Antkk here.It s you Finally, Lin Xuan pointed to a figure. Who is it Everyone stretched their necks and looked carefully.
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That golden giant ape, the golden light all over his body quickly dimmed, and his flesh and blood dried up quickly.If this is really done, I am afraid that the entire Asura Hall will completely go berserk.
The terrifying aura erupted in an instant, lighting up the entire sky like thunder.And the others were not idle, because the Dark Red Shenlong also showed some combined martial arts.
After all, the sword marks left by the king are absolutely precious.Immediately, dozens of wind blades were sent flying.
Soon, the spirit boat glides in the air and arrives near the magic pit.
Fortunately, God is pitiful, she met Pei Mianman by chance, and she couldn t help being overjoyed, knowing that this is her destined successor.He paused, and measured the distance between the two with his eyes If it is twenty feet away, I will lose if it is ten feet away, I will try my best to avoid it.
After a pause, she raised her head and was about to say something, when she suddenly noticed Zaan s staring eyes, she was taken aback for a moment, and then said angrily, Boy, what are you looking at My sister is beautiful.My lord is humble. Kong Nanwu secretly sighed, people are different, because of hiding the red sleeve trick, she watched too many men coldly, in order to win the favor of women, one by one Comparing to them, Zaan is a humble gentleman.
From then on. In the future, heaven and man will be separated forever, and people in the lower world will lose their hope of becoming immortals.Let s talk about ripples flashing thousands of miles away, and the figure of the Demon Emperor is revealed.
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Come on, even you will be in danger at that time, and facing more killers, you may not be so lucky to escape.fairy shadow. A group of dignitaries in the court hall showed nostalgic expressions on their faces, as if recalling their youth.
Chu Chuyan was not at ease I will escort you for a ride.I m not, I don t, don t talk nonsense. Zaun hastily denied three consecutive times, and at the same time, he was a little strange, shouldn t he be in the sage time now, why he still has so many messy thoughts.
Unless the three daughters are in love with Zaan, it is impossible to advance and retreat with Zaan.The anger value from Yichun is 444 444 444
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This is a gorgeous dividing line The soul came, and in an instant, it enveloped his soul, trying to pull Lin Xuan into the bloody pillar, Lin Xuan frowned tightly, and slammed down For a moment, he raised the corner of his mouth and let out a cold snort.It was also a unique technique, and it was a must kill technique.
While countless people watched, two figures walked in.is it him Dark Red Shenlong and others frowned. They thought it was Lin Xuan who had returned.
This is a big deal. Lin Xuan didn t know that the people from the Blue Race had already started searching, even if he knew, he wouldn t bother.The three great spirit beasts roared , the huge claws came over, but in an instant, they were swallowed into the space, 15 Finding The Best Probiotic Gummies For Adults A Comprehensive Guide To Supporting Gut Health Tdvkq and when they appeared, they were immediately crushed to the ground by that invisible pressure.
Many masters and geniuses, at that time the Dragon Prince did not come out of retreat, but now he is coming out to settle accounts after autumn I am Below, Lin Xuan let out a cold shout, and the aura on his body exploded again, as if he was going to be overwhelmed for nine days.Lin Xuan waved his hand, and everyone took the spirit boat.
Too strong I have seen the masters of the fantasy world, these ancient aristocratic families, the powerhouses of the world s great teachings.The dark red dragon began to set up formations. He looked at the 81 galloping rivers, and then smiled, hum, gathering spirit formations, the long rivers are really looking El Toro Cbd Gummies Reviews Examining Their 199 Popularity And Efficacy Among American Adults for death.
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In this way, Lin Xuan returned to Daozong safely. After arriving at Shenmeng, Anhong Shenlong and the others breathed a sigh of relief.After one move, the two fought together again, either in close combat or from a distance.
Nalan Yanran agreed, after the matter is completed, give me the hearts of the three worlds, and you can hand them over now.He took out half of the Herb King and planted it in the small valley.
Seeing the other party agree, Lin Xuan He also breathed a sigh of relief.
It s a pity that after the two of them touted it, they found that the audience was a little cold.She was about to say something when she suddenly raised her head and glanced at the sky, her face changed slightly Too bad, it s getting dark.
As he spoke, he removed the coffin lid, and a stench filled the air.After all, they have been out for so long, and finally they have a place to play.
Princess Concubine, you see that he is paying less and less attention to you, so he just left.If he is too impatient, his favorability will plummet.
etc Suddenly his heart moved, could it be
Manman Azu At this moment, the two of them shouted in unison.When the people far away saw it, they thought they saw a fairy, and some even knelt down and prayed in her direction excitedly.
But now that feeling of peeping has disappeared, presumably the experts in the bank are checking the incoming and outgoing guests.Her body was under Vitacore 83 Cbd Gummies Daily Calm And Stress Relief a great load, and now she has suffered a lot of injuries, so she has decided to stay and buy time for Zaun to escape.
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After bidding farewell to Eunuch Wen, Zu an went back to the East Palace again, but Bi Linglong still didn t see him, obviously still angry with that day.
Nephew gave me a great gift. Sang Hong was a little grateful.But everyone didn t care too much, they just thought that these little guys came out looking for something to eat because they were too hungry.
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Zu an was a little puzzled But even if it s so far away from the great masters and masters of the Yan Palace, how can they play a check and balance Sang Hong smiled There is also the imperial court.It wasn t a big deal in the first place, and he would be able to adjust his breath and return to Can You Fly 8667 With Cbd Gummies A Comprehensive Guide Kyzri normal after giving him a breath.
Unfortunately, they were still unsatisfactory. In the final analysis, this world is respected by practice, and real talents are devoted to practice together.Since the other party is not there, interrogating Dong Jin is a top priority.
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Por Alejandro Saracho, experto en finanzas personales; autor del libro Reconfiguración financiera.