Te has preguntado, ¿Cuándo es un buen momento para comenzar a ahorrar o cómo hacerlo? Pues bien, el momento… En realidad, cualquier momento es bueno. Para comenzar a ahorrar nunca es demasiado pronto ni demasiado tarde, exceptuando algunas situaciones, pero en general cualquier momento es bueno para hacerlo.
Sin embargo, puede ser complicado ya que en un país donde el flujo económico es lento y más para las clases trabajadoras, el ahorro se llega a considerar un lujo, pero no es así. Date una oportunidad para intentarlo, aquí unos pasos que te ayudaran a hacerlo:
Consejos para comenzar a ahorrar
Disminuye gastos. Es importante antes de comenzar a ahorrar tener un claro panorama de tus finanzas, de todo el dinero que tienes disponible mes con mes y en qué lo gastas. Para ello, realiza una tabla de gastos, esto te podrá servir para detectar cuáles puedes evitar y así conservar un poco de tu dinero, para comenzar a ahorrar.
No regales dinero, ahórralo. ¿Eres de las personas que dice nunca tener dinero y menos para ahorrar? Seguramente no te has dado cuenta de que sí lo puedes hacer. Para comenzar puedes ir juntando el cambio del día o una parte de este. Evita hacer compras innecesarias, por ejemplo, esos chicles de dos pesitos para que la cuenta se redondee y evitar que el señor del puesto de periódicos tenga que conseguir tus dos pesos de cambio. Si lo piensas bien estás regalando tu dinero, y ese no es un buen plan si piensas en ahorrar.
Realiza un plan de ahorro familiar. Les encantaría hacer un viaje, adquirir un vehículo nuevo, cambiar de refrigerador, o simplemente les preocupa tener una buena calidad de vida después de su jubilación o incluso antes de esta, pues recuerda que: ¡La unión hace la fuerza!
En familia pueden realizar un plan de ahorro, en el cual detecten puntos donde puedan guardar dinero sin afectar su economía.
Establece límites de compra y compara. Evita caer en errores financieros, antes de realizar una compra es importante fijar un presupuesto para el producto que se quiere adquirir. Una vez que lo tengas realiza una comparación entre marcas y tiendas, así puedes conseguir el mejor producto al menor costo posible, y recuerda guardar lo restante del presupuesto asignado.
Fija un presupuesto para el ahorro. Nosotros recomendamos ahorrar un mínimo del 10% del sueldo percibido, sin embargo, para quienes piensan en su jubilación es recomendable ahorrar un 12% el mínimo establecido por las afores. Pero sabemos que en ocasiones no se tiene un presupuesto fijo, si ese es tu caso, te recomendamos establecer tú el presupuesto que guardaras de tu sueldo.
Comenzar a ahorrar puede parecer complicado, pero al hacerlo podrás ver que resulta fácil y te sorprenderá cuánto dinero puedes guardar en un año. ¡Atrévete a hacerlo!
¿Te interesa saber más del tema? Contáctanos y conoce nuestros talleres de finanzas personales. En Wellness México estamos para ayudarte.
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그러나 이제 그들은 나에게 한 달을 주었다.
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그것에 대해 생각한 후에도 그는 여전히 아무 말도하지 않았습니다. 적어도 그는 실수하지 않았습니다.
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“오, 내 목사님이 먹고, 내 목사님이 먹는다” Fang Jifan은 젓가락을 들고 쇠고기를 데 웠습니다.
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Fang Jifan은 심호흡을하고 다리를 들어 발로 찼습니다.
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그녀는 이 두 가지를 사용한 느낌에 대해 이야기를 이어갔다.
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Wang Jinyuan은 스웨터를 입은 사람들을 진지하게 둘러보며 소리쳤습니다.
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그러나 당신은 맹목적으로 비교하지 않으면 도대체 무엇인지 알 것이라고 말했습니다.
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Fang Jifan은 방금 정신을 차리고 Hongzhi 황제를 멍하니 바라 보았습니다.
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젠장, 우리 옛 Guo 가족이 정말 전생에 Fang 가족에게 빚진 게 있었나요?
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Liu Jian은 “폐하, 이유를 모르겠습니다. “라고 묻지 않을 수 없었습니다.
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어제 잘 말하지 않았어, Xiao Jing을 보내?
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보트 아래의 얼음 강물, 얼음처럼 차갑고 무는 것과 같은 아주 좋은 세 단어.
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그러고 보니… 이것들은 왕 전하를 진정시키고 순종적으로 베이징에 머무르게 만들기에 충분합니다.
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Fang Jifan이 누가 말했는지 확인하기 전에 홀에서 갑자기 웃음이 터졌습니다.
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Zhu Houzhao는 지금 바람과 함께 걷고 있으며 그의 얼굴은 붉어졌습니다.
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도대체 내가 이 녀석에게 무엇을 주입한 거지…?
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그래서 Fang Jifan은 밤을 이용하여 서둘러 떠났습니다.
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사람은 늙어서도 한 번도 잘못한 일이 없는데도 이런 고통을 겪어야 합니다.
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그래서 그는 급히 말했습니다. “아버지, 저들이…”
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팔에 안겨 울부짖는 아이를 보며 Fang Jifan은 안도감을 느꼈습니다.
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Fang Jifan은 잠시 생각했습니다. “Jiang 박사를 조수로 삼을 수 있습니다.”
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“아버지 …”Zhu Houzhao는 “이것은 명나라의 국가와 사회를위한 것입니다. “라고 말했습니다.
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그러나 어쨌든 그의 지위로 인해이 Fengtian Temple에서는 언급 할 가치가 없습니다.
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Li Dongyang은 정자에 들어가 경의를 표하며 즉시 “폐하를 봤습니다. “라고 말했습니다.Li Dongyang은 사람들이 어떻게 그렇게 배가 고플 수 있는지 상상할 수 없었습니다.
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안경 너머 그의 눈은 눈물로 흐려졌다.
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素晴らしい記事!非常に読み応えがありました。
qiyezp.com
이 녀석…그는 훌륭한 무술 실력을 가지고 있습니다. 그는 정말로 과소평가되어서는 안됩니다.
werankcities.com
“당신은 누구를 초대합니까?” Zhu Houzhao는 약간 말문이 막혀 Fang Jifan을 바라 보았습니다.
cougarsbkjersey.com
この記事の書き方が大好きです。非常に明確で分かりやすい。
sandyterrace.com
Ma Xun과 Zhang Sheng은 감히 화를 내지 않고 완전히 미쳤습니다.
thephotoretouch.com
다진 파, 팔각, 통후추를 국물에 넣어 비린내를 제거하고 향이 톡 쏘는 맛이 난다.