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.
Las industrias de transformación de un país son las principales piezas de este juego mundial. es donde encontramos los principales esfuerzos en innovación y desarrollo, concentración y ampliación del conocimiento en ciencia y tecnología, modelos y procesos de negocio, metodología y disciplina.
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In the eyes of the monks, the age is at least thousands of years old.If a middle stage Yuanying monk, the core of the super power, defeats or even kills a great monk with his mid stage Yuanying cultivation, then his reputation will naturally be spread widely.
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He grabbed the bodies of the two great monks and then disappeared.He shouted excitedly, not a little bit more. The appearance of a great venerable.
Next, he found two powerful life saving jade charms in the soul crystal ring.The monks of the Ten Thousand Beast Sect began to return to their respective caves in an orderly manner.
He felt that the great monk Ning Xi was the kind of monk who was Did Shark Tank Really Invest in Keto Products? An Investigation not used to carrying many spiritual objects with him, and he also disliked the type very much.Everyone is a businessman and will do anything for profit.
Even though she understood that it could not be the formation arranged by other monks, she still asked the doubts in her heart in disbelief.It is not accurate to say that it is a confrontation.
Normally, this distance would take several hours, but even with the extremely fast flight of a flying boat In the case of magic weapon.Now that the cultivator is dead, he wants to study what he gained this time when he goes back.
Passing through a secular place protected by the sect is an extremely ordinary thing.This is for others to see, because they don t have the slightest understanding of this place.
He needs to use his spiritual power to force out the sword intention.In addition to joining Bafeng in the sect, In addition, if you have a deputy position, you can apply to rent a cave in the sect s sea area.
If they are damaged by the battle, they will be guilty.Li Yuanba took out the jade flying boat, which flew quickly in the air.
You don t look very old. Come on Master Uncle Zhao said with a smile.The sword light caught up with the Beishu monk, and a sword entered from behind, instantly extinguishing the Beishu monk s life.
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IBMz15 sent a warning, and through surveillance Li Shiming saw two monks outside Eagle Beak Island.The key is that Yin Shilan treats Li Shiming very well, which makes Elder Yin pay close attention to Li Shiming.
But now he felt that the Fiery Flame Sword in his hand was not just an ordinary long sword.Leader Yu was slightly startled. He did not expect Li Shiming to say this.
Yunze wants to meet with me. You go and hand in the mission first Li Shiming thought about it for a moment and then agreed.He was focusing on the battle between the Qi Refining monks at this time.
At the critical moment, someone suddenly attacked me from behind.They didn t have to worry about it outside. They could escape at any time in the open space.
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At the same time, he slapped his back with his other hand, knocking him unconscious.The veins were exposed, the muscles were swollen, the thumping heartbeat was heart breaking, and the whole body seemed to have endless strength.
Of course, this method is more dangerous, and the probability is not very high.Everything has advantages and disadvantages. Although it is great to improve your cultivation quickly, there are also many disadvantages.
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Why are you, an outsider, meddling in other people s business Elder Wusi was not willing to show weakness and said, I m worried that Qingyang will be bewitched by you and get something useless in exchange for it.Also buy yourself peace, it seems that Feng Yan is very smart in doing things.
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Collapsed. Without the protection of the Earth Center Tower, these low level monks would have been smashed into meat patties long ago when encountering so many boulders falling from the sky.Now the third level living dead was severely injured by Wei Yufeng.
Then he said Several immortal sect envoys have come from afar, we Tao Yougong I can t thank you enough.