{"id":35260,"date":"2019-01-17T12:30:12","date_gmt":"2019-01-17T17:30:12","guid":{"rendered":"http:\/\/www.latitud21.com.mx\/?p=35260"},"modified":"2019-02-01T11:10:52","modified_gmt":"2019-02-01T16:10:52","slug":"planifica-tu-ano-financiero","status":"publish","type":"post","link":"https:\/\/l21.mx\/?p=35260","title":{"rendered":"Planifica tu a\u00f1o financiero"},"content":{"rendered":"<p><a href=\"http:\/\/www.latitud21.com.mx\/wp-content\/uploads\/2019\/01\/plan-financiero.jpg\" data-rel=\"penci-gallery-image-content\" ><img fetchpriority=\"high\" decoding=\"async\" class=\"alignnone size-large wp-image-35261\" src=\"http:\/\/www.latitud21.com.mx\/wp-content\/uploads\/2019\/01\/plan-financiero-1024x640.jpg\" alt=\"\" width=\"1024\" height=\"640\" \/><\/a><\/p>\n<p><strong>No te conf\u00edes, el hecho de que haya iniciado el a\u00f1o no significa que debas olvidar tus finanzas personales. Por el contrario, es el momento id\u00f3neo para planear qu\u00e9 har\u00e1s con tu dinero durante el resto del a\u00f1o.<\/strong><\/p>\n<p>\u00bfD\u00f3nde quieres estar en diciembre de 2019? \u00bfEndeudado o cumpliendo tus objetivos? Estar de un lado o del otro depender\u00e1 de la capacidad que tengas para <strong>organizar tus finanzas personales a lo largo de los pr\u00f3ximos 12 meses.<\/strong><\/p>\n<p>Es por esto que Principal te comparte algunos consejos para que disfrutes tu a\u00f1o sin contratiempos.<\/p>\n<p><a href=\"http:\/\/www.latitud21.com.mx\/wp-content\/uploads\/2019\/01\/planifica.jpg\" data-rel=\"penci-gallery-image-content\" ><img decoding=\"async\" class=\"alignnone size-large wp-image-35262\" src=\"http:\/\/www.latitud21.com.mx\/wp-content\/uploads\/2019\/01\/planifica-1024x683.jpg\" alt=\"\" width=\"1024\" height=\"683\" \/><\/a><strong>Elabora un presupuesto mensual<\/strong><\/p>\n<p>Es b\u00e1sico contar con un presupuesto mensual para controlar tus finanzas. <strong>Debes incluir todos tus ingresos y restarles todos tus gastos<\/strong>. Tus gastos nunca deber\u00e1n de ser superiores a tus ingresos, e idealmente debes tener tambi\u00e9n espacio para destinar al menos 20% de tus ingresos al ahorro. Si tu presupuesto es equilibrado, trata de mantenerlo as\u00ed los 12 meses; pero si tus gastos son mayores que tus ingresos, ahora es cuando puedes ajustarte y bajarle a los consumos que no son indispensables.<\/p>\n<p><strong>\u00bfQu\u00e9 gastos grandes tendr\u00e1s este a\u00f1o?<\/strong><\/p>\n<p>M\u00e1s all\u00e1 de los gatos fijos de todos los meses, es probable que en 2019 se presenten otros adicionales, como asistir a un evento familiar fuera de la ciudad, renovar tu casa, comprar un coche nuevo o independizarte de tus pap\u00e1s. <strong>Enero es buen momento para ponerlos en tu calendario y empezar a ahorrar para ellos<\/strong> y as\u00ed, llegando la fecha, no tendr\u00e1s que endeudarte para ir a la boda de tu primo en la playa.<\/p>\n<p><a href=\"http:\/\/www.latitud21.com.mx\/wp-content\/uploads\/2019\/01\/ingreso-extra.jpg\" data-rel=\"penci-gallery-image-content\" ><img decoding=\"async\" class=\"alignnone size-large wp-image-35264\" src=\"http:\/\/www.latitud21.com.mx\/wp-content\/uploads\/2019\/01\/ingreso-extra-1024x588.jpg\" alt=\"\" width=\"1024\" height=\"588\" \/><\/a><\/p>\n<p><strong>\u00bfEsperas ingresos adicionales?<\/strong><\/p>\n<p>No solo se trata de planear tus gatos, tambi\u00e9n es importante que planees tus ingresos. Si sabes que durante el a\u00f1o se reparten las utilidades de la empresa donde trabajas, recuperar\u00e1s dinero al hacer tu declaraci\u00f3n anual o empezar\u00e1s a rentar un cuarto de tu casa mediante una aplicaci\u00f3n, tambi\u00e9n ap\u00fantalos para que desde ahora planees qu\u00e9 har\u00e1s con este ingreso extra. <strong>En vez de gastarlo, te sugerimos invertirlo en un instrumento financiero o aportarlo como ahorro voluntario en tu Afore.<\/strong><\/p>\n<p><a href=\"http:\/\/www.latitud21.com.mx\/wp-content\/uploads\/2019\/01\/Planifiquemos.jpg\" data-rel=\"penci-gallery-image-content\" ><img loading=\"lazy\" decoding=\"async\" class=\"alignnone size-full wp-image-35263\" src=\"http:\/\/www.latitud21.com.mx\/wp-content\/uploads\/2019\/01\/Planifiquemos.jpg\" alt=\"\" width=\"620\" height=\"349\" \/><\/a><\/p>\n<p><strong>\u00bfY qu\u00e9 hacer con las emergencias?<\/strong><\/p>\n<p>Hasta la mejor planeaci\u00f3n puede ser arruinada por una emergencia m\u00e9dica o del hogar que requiera desembolsar dinero no planeado y que quiz\u00e1 iba a ser destinado al ahorro. Las emergencias no se pueden evitar, pero s\u00ed <strong>puedes prepararte para afrontarlas haciendo un fondo de emergencias al que puedas recurrir en estos casos<\/strong>. Si reservas alrededor de tres meses de tu sueldo y lo tienes disponible, ser\u00e1 menos probable que tu planeaci\u00f3n anual se vea comprometida en una situaci\u00f3n excepcional.<\/p>\n<p>El a\u00f1o puede ser ben\u00e9volo o duro de acuerdo con tus acciones. <strong>Disfrutar de un a\u00f1o sin sobresaltos financieros depende solamente de ti<\/strong>. Aumenta las posibilidades de que 2019 sea un buen a\u00f1o para tus finanzas: comienza hoy mismo con tu estrategia y planeaci\u00f3n de todo el a\u00f1o.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>No te conf\u00edes, el hecho de que haya iniciado el a\u00f1o no significa que debas olvidar&hellip;<\/p>\n","protected":false},"author":69,"featured_media":35965,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"_lmt_disableupdate":"","_lmt_disable":"","_mbp_gutenberg_autopost":false,"footnotes":""},"categories":[4,23],"tags":[],"class_list":["post-35260","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-empresas-y-negocios","category-noticias"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.3 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Planifica tu a\u00f1o financiero | Revista Latitud 21<\/title>\n<meta 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