Muchas personas se quejan por no tener dinero, lo curioso es que en varias ocasiones son esas personas que se quejan las que ganan más, ahorran menos y por consiguiente tienen menos dinero. Así se gane poco las finanzas pueden mejorar notablemente, te contamos 5 tips que te ayudarán si los practicas día a día:
- Define cuál es tu prioridad: Si las finanzas no son las mejores define primero para que quieres que mejoren, puede ser un viaje, un lujo, un negocio, la razón es necesario definirla para establecer un objetivo. Recuerda sin objetivo nunca se llegará a la meta.
- Haz una lista de lo que gastas cada día de la semana: Una vez definida la lista encontrarás que hay gastos innecesarios, como compras de comida en lugares costosos, llamadas innecesarias, movilizarte en taxi o uber muy seguido. Puedes estar pensando es más probable que invierta una cantidad de dinero considerable en domicilios, planes de rumba fines de semana, viajes de fines de semana, entre otros. Debes definir si esos pequeños placeres valen más la pena que la prioridad que definiste en el primer punto.
- Cuenta para ahorrar: Los bancos disponen de servicios de ahorro de tu cuenta, puedes solicitarlo y que se te debíte automáticamente o manualmente de tu cuenta a comienzos de mes, así vas ahorrando mes a mes.
- Revisado el punto 2, ¿En qué puedes ahorrar? Es claro que debes estar pensando no puedo dejar de comprar, es básico, esencial para mi, pero en la lista posiblemente existan cosas como el Subway 5 días a la semana, el postre 3 días a la semana, salir a tomar algo a cierto lugar cada ciertos días, puedes variar los lugares mejorando tu presupuesto y de paso tu salud.
- Cronograma: Una vez definida la meta, y ya sabiendo en que puedes ahorrar. Toma nota en que días, que cambios realizarás, no cierres esta ventana y pases a la siguiente sin más (Esperamos no suceda 😉 ) anímate, vida es una y las metas que definiste son tu prioridad, no se realizarán solas.
Para finalizar después de que realizaste el ejercicio, esperamos que lo hallas realizado toma 5 minutos 😉 ¿En que te has dado cuenta que se puede ahorrar más?
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