{"id":21,"date":"2012-02-26T19:15:28","date_gmt":"2012-02-26T23:15:28","guid":{"rendered":"https:\/\/espacioconvalor.com\/site\/?p=21"},"modified":"2021-11-30T06:01:08","modified_gmt":"2021-11-30T10:01:08","slug":"organiza-tus-finanzas","status":"publish","type":"post","link":"https:\/\/espacioconvalor.com\/site\/2012\/02\/26\/organiza-tus-finanzas\/","title":{"rendered":"Organiza tus finanzas"},"content":{"rendered":"<div class=\"wpb-content-wrapper\"><p>[vc_row][vc_column][vc_column_text]Bien sea porque deseas adquirir un bien, pedir un pr\u00e9stamo al banco o simplemente te cansaste de no tener dinero para salir, siempre hay una oportunidad de finalmente poner orden a tus finanzas.<\/p>\n<p>No es necesario que tengas fuertes conocimientos en econom\u00eda, contadur\u00eda o finanzas para hacerlo, solo que te organices y mantengas un control peri\u00f3dico de los movimientos de tus cuentas.<\/p>\n<p>Para empezar, compartimos algunos de los consejos que frecuentemente se comentan sobre las finanzas personales:<\/p>\n<ul>\n<li>Nunca gastes m\u00e1s de lo que generas.<\/li>\n<li>No esperes a final de mes para ahorrar lo que te sobre, aparta un monto desde el principio, puede ser entre 10% a un 30% de tu ingreso.<\/li>\n<li>No utilices el cr\u00e9dito para cubrir los gastos corrientes sino para financiar inversiones (compra de veh\u00edculo, vivienda estudios, viajes, etc.)<\/li>\n<\/ul>\n<h2>\u00bfC\u00f3mo hacerlo?<\/h2>\n<p>Si bien pareciera que en estos tiempos de permanente crisis es imposible ahorrar, \u00a0existen algunas acciones que podemos realizar para controlar mejor nuestras finanzas:<\/p>\n<ul>\n<li>Haz un\u00a0presupuesto mensual\u00a0y actual\u00edzalo. Puedes utilizar una hoja de c\u00e1lculo donde clasifiques por rubro todos tus ingresos y todos tus gastos mes a mes. Agr\u00e9gale algunas f\u00f3rmulas de suma y sustracci\u00f3n que te permitan identificar tus d\u00e9ficits y super\u00e1vits en cada per\u00edodo. Para ayudarte te dejamos este modelo,\u00a0haz clic para descargarlo.<\/li>\n<li>Una vez que tengas claro el monto total de tus gastos puedes empezar a asignar\u00a0metas de ahorro. Identifica los rubros en los que podr\u00edas reducir tu nivel el gasto para incrementar tus ahorros.<\/li>\n<li>Verifica cu\u00e1les son tus gatos variables y \u00a0qu\u00e9 porcentaje de tu ingreso destinas a el llamado\u00a0\u201cgasto hormiga\u201d\u00a0(peque\u00f1as porciones de dinero que se dirige compras diarias como cigarros, caramelos, caf\u00e9, propinas, etc.)<\/li>\n<li>Define un plan de pago para tus deudas. Por ejemplo, destina un parte de tus ingresos para realizar pagos parciales peri\u00f3dicos de tus tarjetas de cr\u00e9dito, no es necesario que pagues la deuda completa a final de mes, pero s\u00ed que cubras una porci\u00f3n superior al\u00a0pago m\u00ednimo\u00a0establecido<\/li>\n<\/ul>\n<p>Seguir estas normas requiere de disciplina \u00a0y de compromiso, sin embargo los resultados son satisfactorios, ya que te permitir\u00e1n tomar decisiones informadas respecto a tus finanzas.<\/p>\n<p>\u00a1Buena Suerte!<\/p>\n<p>\u00bfEsta informaci\u00f3n les fue de utilidad?\u00a0\u00bfC\u00f3mo estas organizando tus finanzas en este momento?[\/vc_column_text][\/vc_column][\/vc_row]<\/p>\n<\/div>","protected":false},"excerpt":{"rendered":"<p>[vc_row][vc_column][vc_column_text]Bien sea porque deseas adquirir un bien, pedir un pr\u00e9stamo al banco o simplemente te cansaste de no tener dinero [&hellip;]<\/p>\n","protected":false},"author":2,"featured_media":22,"comment_status":"open","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[18],"tags":[],"class_list":["post-21","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-buenas-practicas"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v26.9 - 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