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Planificá tus competencias, pero también tus finanzas personales.

Planificá tus competencias, pero también tus finanzas personales.

Llegó el 2022 y con él seguramente muchas metas deportivas que te exigen una excelente planificación y aplicar una serie de estrategias para poder alcanzarlas. Lo mismo sucede con tus metas financieras.

Cuando vas a una competencia sacás el tiempo para revisar tu bicicleta; las llantas, frenos, asiento, dirección, herramientas; también te preocupás por tu hidratación y alimentación, además de conocer la ruta, todo esto con el objetivo de no sufrir ningún inconveniente en competencia y tratar de hacer el mejor papel posible. Lo mismo sucede con las finanzas personales, por eso es importante ordenarlas y planificar a partir de la creación de un presupuesto el cual te permitirá administrar adecuadamente tu dinero.

¿Cómo hacerlo? Con los siguientes pasos podés construir un presupuesto:

  1. Definí las metas: al igual que con una bicicleta, si no tenés los neumáticos para competir, aunque contés con el resto del equipo, no podrás moverte, lo mismo sucede con las finanzas personales, si no existe motivación y metas, por perfecto que sea el presupuesto, nunca vas a lograr nada.

Los objetivos financieros son aquellos que motivan a moverte como, por ejemplo: una bicicleta de tope de línea, ir a un IRONMAN fuera del país, la educación de tus hijos, la compra de una casa, un vehículo, o la seguridad financiera para un futuro a través de un ahorro o inversión.

  1. Conocé tus ingresos: tomá en cuenta todos los ingresos que recibís, por insignificantes que parezcan, clasificalos en ingresos activos (salarios, pensión y servicios profesionales) e ingresos pasivos (alquileres, intereses ganados por algún ahorro o inversión, utilidades de negocios).
  2. Dale prioridad a los ahorros: la herramienta más importante para lograr las metas y objetivos es el ahorro, antes de comprometerte a realizar algún pago o compra, es importante que separés una parte para el ahorro, hasta generar un hábito, aunque sea poco dinero al inicio. Existen mecanismos muy fáciles para iniciar un ahorro como, por ejemplo, el rebajo programado del salario o de pensión.
  3. Clasificá los gastos: este punto es muy importante, tratá de conocer el monto de todos los gastos y clasificarlos de acuerdo con su importancia.
  • Gastos fijos: se hacen todos los meses y su monto es conocido como, por ejemplo, las deudas, impuestos, alquileres, colegiaturas, gimnasio, etc.
  • Gastos variables: son aquellos que cambian en cuanto al monto y la periodicidad como, por ejemplo, alimentación, servicios públicos, compra de algún implemento deportivo o seguros.
  • Gastos discrecionales: se trata de gastos que no son imprescindibles como, por ejemplo, las salidas al cine, comidas en restaurantes, compra de ropa, entretenimiento, entre otros.
  1. Asigná un presupuesto: debés anticipar el monto de los gastos que vas realizar, esa cifra no debe ser exacta al inicio, pero con trabajo y práctica se podrá definir mejor.
  2. Monitoreá tus movimientos: es importante que revisés todos los movimientos que se realizaron en el periodo de planeación financiera. También dale seguimiento a las acciones que debés poner en marcha para alcanzar los objetivos que te propusiste. Estos son algunos consejos:
  • Anotá todos tus gastos.
  • Llevá un control adecuado del uso del efectivo y las tarjetas.
  • Controlá las compras compulsivas.
  • Desarrollá la disciplina para implementar un adecuado control de gastos.
  1. Tomá el control: siempre debés recordar que, si llevás el control de tus finanzas personales sin tomar malas decisiones, lograrás buenos resultados para mejorar tu calidad de vida.

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