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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