Es un tipo de inteligencia que te permite gestionar el uso del dinero de manera adecuada y responsable. La definición más popular y que resume bastante bien el concepto es que la inteligencia financiera es la capacidad de resolver o evitar problemas financieros. Pero va más allá de sólo problemas y para entenderlo mejor te dejamos una serie de principios para desarrollar y mejorar tu inteligencia financiera:
Aprende el valor del dinero
El dinero es una remuneración de tu esfuerzo, de tu tiempo, de tu trabajo. Ésta remuneración implica una dedicación prestada y por tanto debe ser valorada con orgullo y respeto. ORGULLO por que TÚ te lo ganaste honradamente y RESPETO porque es tu tiempo el que se materializó en ese dinero, así que no lo regales o malgastes ya que nadie te lo va a regalar a tí (excepto tus padres tal vez). Valora cada moneda que tienes y ten cuidado en no caer en ser un creído o una persona tacaña.
Reflexiona sobre tus ingresos
Puedes tener ingresos “activos” (los que llegan como remuneración de un trabajo realizado) e ingresos “pasivos” (los que vienen de inversiones o intereses de préstamos que haces). Si sólo tienes ingresos activos deberías considerar una forma de tener otra entrada de dinero, como un plan B para algún objetivo a futuro como un aporte adicional a tus ahorros para cuando quieras dejar de trabajar.
Calcula y programa tus gastos con anterioridad
Una planeación previa de lo que vas a gastar evita tener sobre costos y te da la oportunidad de buscar mejores precios y ofertas. Cada peso que ahorres cuenta. También aprenderás a llevar contigo el dinero necesario para tu día a día y tener una reserva para eventualidades, evitando caer en la tentación de hacer grandes compras impulsivas al tener el dinero a la mano.
Medita cada impulso de consumo que tengas
Cuando tengas el impulso de hacer una compra reflexiona acerca del motivo a hacerlo, usa tu Inteligencia Financiera. ¿Es en realidad necesario? ¿En qué te ayuda obtener ese producto o servicio? ¿Puedes seguir viviendo tranquilamente sin hacer la compra? La idea no es que no te puedas dar gustos, sino que aprendas a hacer compras inteligentes con un balance adecuado entre sentimiento y razón.
Ahorra
El secreto está en el momento de recibir tus ingresos (activos y/o pasivos): debes primero programar tus gastos, luego destinar otra parte de esos ingresos a ser ahorros y luego dejar la cantidad restante para gastos varios o compras. El principal error ocurre cuando recibes tus ingresos y lo primero que haces son los gastos innecesarios, luego piensas en tus gastos fijos y lo que queda lo ahorras.
Invierte
Probablemente has escuchado frases como “haz que el dinero trabaje para ti y no al contrario” Bueno, ésta es la idea de las inversiones. Una inversión es diferente a un ahorro, la inversión es el paso que sigue al ahorro y surge de una motivación y un objetivo claro. Al invertir tienes siempre la probabilidad de ganar más o ganar menos o incluso perder, todo depende del tipo de inversión que realices, por lo que es aconsejable iniciar con inversiones de bajo riesgo mientras ganas experiencia y te empapas más del tema.
Ten metas claras y haz seguimiento
Si sabes qué quieres, es más fácil alcanzarlo y el camino a tu meta se puede trazar mejor. Piensa en objetivos claros, medibles, dales una fecha, planea tu cronograma de ahorro y haz seguimiento. No siempre podrás acertar en la fecha que primero pensaste, pero haciendo seguimiento podrás replanear el camino y hacer las correcciones necesarias para llegar a la meta. Si te fijas objetivos muy generales como “ser rico”, “comprar un carro” o “viajar”, verás que es muy fácil no cumplirlos o cumplirlos de manera mediocre. Fíjate cosas centradas como “tendré 10 millones ahorrados al finalizar este semestre”, así ya sabrás cuánto debes ahorrar cada mes; “comprar un Chevrolet Aveo modelo 2010”, ya sabes el valor aproximado del carro y puedes planear tus ahorros; “viajar a México en marzo por dos semanas”, ya tienes centrado un presupuesto y de nuevo es posible planear el ahorro periódico.
Rodéate de gente que admires
Una teoría económica dice que tus ingresos son aproximadamente el promedio de los ingresos de las 5 personas más cercanas a tí, así que rodéate de gente que admires, de quien quieras aprender y de quien te ayude a crecer.
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