{"id":37839,"date":"2019-05-28T15:35:16","date_gmt":"2019-05-28T20:35:16","guid":{"rendered":"https:\/\/l21.mx\/?p=37839"},"modified":"2020-01-13T13:05:54","modified_gmt":"2020-01-13T18:05:54","slug":"planeacion-financiera","status":"publish","type":"post","link":"https:\/\/l21.mx\/?p=37839","title":{"rendered":"Planeaci\u00f3n financiera"},"content":{"rendered":"\n

P<\/strong>ara lograr un manejo adecuado de las finanzas personales debemos conocer las herramientas de la planeaci\u00f3n financiera, as\u00ed como entender la importancia de salvaguardar el patrimonio y los recursos financieros. <\/p>\n\n\n\n

Solemos se\u00f1alar a nuestro nivel de ingreso como el responsable de nuestras finanzas poco saludables, pero \u00bfrealmente ganar m\u00e1s dinero solucionar\u00eda una mala gesti\u00f3n?\u00a0<\/p>\n\n\n\n

Quiz\u00e1s temporalmente (si nos permitiera liquidar nuestras deudas actuales), pero si no sabemos planificar nuestros gastos es muy probable que en poco tiempo estemos endeudados otra vez, solo que a un nivel mayor. <\/p>\n\n\n\n

Por ello es indispensable que antes de culpar al bajo ingreso por nuestros problemas financieros, seamos sinceros y aceptemos que somos los \u00fanicos responsables de nuestras finanzas y busquemos una soluci\u00f3n.\u00a0<\/p>\n\n\n\n

Podemos iniciar enlistando gastos y deudas para tener una visi\u00f3n completa de nuestro estado financiero actual y comprobar si presenta un balance negativo o positivo. En caso de ser negativo, debemos buscar una soluci\u00f3n a trav\u00e9s de una planeaci\u00f3n financiera que tenga como base nuestro ingreso mensual. <\/p>\n\n\n\n

En el plan para pagar deudas (tarjetas de cr\u00e9dito, cr\u00e9dito de auto, cr\u00e9ditos educativos, etc.), incluir el balance actual, el pago m\u00ednimo al mes y la tasa de inter\u00e9s. Despu\u00e9s revisar el presupuesto para determinar cu\u00e1nto dinero se puede a\u00f1adir a los pagos de deudas y reducirlas, de manera que confirmemos que se est\u00e1n pagando.<\/p>\n\n\n\n

Adem\u00e1s, es recomendable tener m\u00e1s de una fuente de ingresos con el fin de evitar depender de un solo empleo, podemos aprovechar nuestra formaci\u00f3n profesional para hacer consultor\u00eda, emprender un negocio o mejor a\u00fan, invertir en productos financieros que comprendamos (jam\u00e1s debemos invertir en algo que no entendamos completamente). <\/p>\n\n\n\n

Asimismo, sin importar cu\u00e1l sea nuestro ingreso, debemos establecer un ahorro de entre 10 y 20%.\u00a0<\/p>\n\n\n\n

El ahorro nos servir\u00e1 para alcanzar metas, cubrir imprevistos y hacer inversiones. Por otro lado, debemos evitar los gastos hormiga, es decir, aquellos que aparentemente no son significativos pero que a fin de mes representan un gasto importante (dulces, refrescos, botellas de agua, cigarros, cacahuates, papitas, taxis, peluquer\u00eda, cosm\u00e9ticos, caf\u00e9s, propinas, etc.). <\/p>\n\n\n\n

Tambi\u00e9n debemos abandonar malas costumbres financieras como pedir dinero prestado (a bancos, prestamistas, amigos o familiares) o utilizar en exceso las tarjetas de cr\u00e9dito como si fuera otra fuente de ingresos, que, por cierto, no lo es, cualquiera de estas costumbres nos quita m\u00e1s dinero del que podr\u00edamos ahorrar.<\/p>\n\n\n\n

Finalmente, no debemos perder de vista que en las finanzas personales la pieza clave es el individuo mismo y, por tanto, lo primero es invertir en nuestra salud y seguridad, ya que si no cuidamos de nosotros, no habr\u00e1 manera de cumplir con la planeaci\u00f3n financiera que establecimos. \u00a0<\/strong><\/p>\n\n\n\n

\"\"
Elitania Leyva \u00a0<\/strong>
Directora acad\u00e9mica del Departamento de Econom\u00eda UDLAP<\/figcaption><\/figure>\n","protected":false},"excerpt":{"rendered":"

Para lograr un manejo adecuado de las finanzas personales debemos conocer las herramientas de la planeaci\u00f3n…<\/p>\n","protected":false},"author":69,"featured_media":37840,"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":[484,23],"tags":[764],"class_list":["post-37839","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-finanzas-personales","category-noticias","tag-finanzas-personales"],"acf":[],"yoast_head":"\nPlaneaci\u00f3n financiera | Revista Latitud 21<\/title>\n<meta name=\"description\" content=\"L21, Emprendedores y Negocios en el Caribe Mexicano, es la revista l\u00edder entre el Sector Empresarial y Tur\u00edstico del Caribe Mexicano.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/l21.mx\/?p=37839\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:title\" content=\"Planeaci\u00f3n financiera | Revista Latitud 21\" \/>\n<meta name=\"twitter:description\" content=\"L21, Emprendedores y Negocios en el Caribe Mexicano, es la revista l\u00edder entre el Sector Empresarial y Tur\u00edstico del Caribe Mexicano.\" \/>\n<meta name=\"twitter:image\" content=\"https:\/\/l21.mx\/wp-content\/uploads\/2019\/05\/planeacion-financiera.jpg\" \/>\n<meta name=\"twitter:creator\" content=\"@Latitud21mx\" \/>\n<meta name=\"twitter:site\" content=\"@Latitud21mx\" \/>\n<meta name=\"twitter:label1\" content=\"Escrito por\" \/>\n\t<meta name=\"twitter:data1\" content=\"Redacci\u00f3n\" \/>\n\t<meta name=\"twitter:label2\" content=\"Tiempo de lectura\" \/>\n\t<meta name=\"twitter:data2\" content=\"2 minutos\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\\\/\\\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\\\/\\\/l21.mx\\\/?p=37839#article\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/l21.mx\\\/?p=37839\"},\"author\":{\"name\":\"Redacci\u00f3n\",\"@id\":\"https:\\\/\\\/l21.mx\\\/#\\\/schema\\\/person\\\/066641669c6ee7227953da2a023ebcde\"},\"headline\":\"Planeaci\u00f3n financiera\",\"datePublished\":\"2019-05-28T20:35:16+00:00\",\"dateModified\":\"2020-01-13T18:05:54+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\\\/\\\/l21.mx\\\/?p=37839\"},\"wordCount\":481,\"commentCount\":0,\"publisher\":{\"@id\":\"https:\\\/\\\/l21.mx\\\/#organization\"},\"image\":{\"@id\":\"https:\\\/\\\/l21.mx\\\/?p=37839#primaryimage\"},\"thumbnailUrl\":\"https:\\\/\\\/l21.mx\\\/wp-content\\\/uploads\\\/2019\\\/05\\\/planeacion-financiera.jpg\",\"keywords\":[\"Finanzas Personales\"],\"articleSection\":[\"Finanzas personales\",\"Noticias\"],\"inLanguage\":\"es\",\"potentialAction\":[{\"@type\":\"CommentAction\",\"name\":\"Comment\",\"target\":[\"https:\\\/\\\/l21.mx\\\/?p=37839#respond\"]}]},{\"@type\":\"WebPage\",\"@id\":\"https:\\\/\\\/l21.mx\\\/?p=37839\",\"url\":\"https:\\\/\\\/l21.mx\\\/?p=37839\",\"name\":\"Planeaci\u00f3n financiera | Revista Latitud 21\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/l21.mx\\\/#website\"},\"primaryImageOfPage\":{\"@id\":\"https:\\\/\\\/l21.mx\\\/?p=37839#primaryimage\"},\"image\":{\"@id\":\"https:\\\/\\\/l21.mx\\\/?p=37839#primaryimage\"},\"thumbnailUrl\":\"https:\\\/\\\/l21.mx\\\/wp-content\\\/uploads\\\/2019\\\/05\\\/planeacion-financiera.jpg\",\"datePublished\":\"2019-05-28T20:35:16+00:00\",\"dateModified\":\"2020-01-13T18:05:54+00:00\",\"description\":\"L21, Emprendedores y Negocios en el Caribe Mexicano, es la revista l\u00edder entre el Sector Empresarial y Tur\u00edstico del Caribe Mexicano.\",\"breadcrumb\":{\"@id\":\"https:\\\/\\\/l21.mx\\\/?p=37839#breadcrumb\"},\"inLanguage\":\"es\",\"potentialAction\":[{\"@type\":\"ReadAction\",\"target\":[\"https:\\\/\\\/l21.mx\\\/?p=37839\"]}]},{\"@type\":\"ImageObject\",\"inLanguage\":\"es\",\"@id\":\"https:\\\/\\\/l21.mx\\\/?p=37839#primaryimage\",\"url\":\"https:\\\/\\\/l21.mx\\\/wp-content\\\/uploads\\\/2019\\\/05\\\/planeacion-financiera.jpg\",\"contentUrl\":\"https:\\\/\\\/l21.mx\\\/wp-content\\\/uploads\\\/2019\\\/05\\\/planeacion-financiera.jpg\",\"width\":620,\"height\":388},{\"@type\":\"BreadcrumbList\",\"@id\":\"https:\\\/\\\/l21.mx\\\/?p=37839#breadcrumb\",\"itemListElement\":[{\"@type\":\"ListItem\",\"position\":1,\"name\":\"Portada\",\"item\":\"https:\\\/\\\/l21.mx\\\/\"},{\"@type\":\"ListItem\",\"position\":2,\"name\":\"Planeaci\u00f3n financiera\"}]},{\"@type\":\"WebSite\",\"@id\":\"https:\\\/\\\/l21.mx\\\/#website\",\"url\":\"https:\\\/\\\/l21.mx\\\/\",\"name\":\"Revista Latitud 21\",\"description\":\"Emprendedores y negocios en el Caribe Mexicano\",\"publisher\":{\"@id\":\"https:\\\/\\\/l21.mx\\\/#organization\"},\"potentialAction\":[{\"@type\":\"SearchAction\",\"target\":{\"@type\":\"EntryPoint\",\"urlTemplate\":\"https:\\\/\\\/l21.mx\\\/?s={search_term_string}\"},\"query-input\":{\"@type\":\"PropertyValueSpecification\",\"valueRequired\":true,\"valueName\":\"search_term_string\"}}],\"inLanguage\":\"es\"},{\"@type\":\"Organization\",\"@id\":\"https:\\\/\\\/l21.mx\\\/#organization\",\"name\":\"Grupo Editorial Latitud 21 SA de CV\",\"url\":\"https:\\\/\\\/l21.mx\\\/\",\"logo\":{\"@type\":\"ImageObject\",\"inLanguage\":\"es\",\"@id\":\"https:\\\/\\\/l21.mx\\\/#\\\/schema\\\/logo\\\/image\\\/\",\"url\":\"https:\\\/\\\/l21.mx\\\/wp-content\\\/uploads\\\/2020\\\/10\\\/logo-l21-baja.jpg\",\"contentUrl\":\"https:\\\/\\\/l21.mx\\\/wp-content\\\/uploads\\\/2020\\\/10\\\/logo-l21-baja.jpg\",\"width\":250,\"height\":250,\"caption\":\"Grupo Editorial Latitud 21 SA de CV\"},\"image\":{\"@id\":\"https:\\\/\\\/l21.mx\\\/#\\\/schema\\\/logo\\\/image\\\/\"},\"sameAs\":[\"https:\\\/\\\/www.facebook.com\\\/RevistaLatitud21\\\/\",\"https:\\\/\\\/x.com\\\/Latitud21mx\"]},{\"@type\":\"Person\",\"@id\":\"https:\\\/\\\/l21.mx\\\/#\\\/schema\\\/person\\\/066641669c6ee7227953da2a023ebcde\",\"name\":\"Redacci\u00f3n\",\"url\":\"https:\\\/\\\/l21.mx\\\/?author=69\"}]}<\/script>\n<!-- \/ Yoast SEO plugin. -->","yoast_head_json":{"title":"Planeaci\u00f3n financiera | Revista Latitud 21","description":"L21, Emprendedores y Negocios en el Caribe Mexicano, es la revista l\u00edder entre el Sector Empresarial y Tur\u00edstico del Caribe Mexicano.","robots":{"index":"index","follow":"follow","max-snippet":"max-snippet:-1","max-image-preview":"max-image-preview:large","max-video-preview":"max-video-preview:-1"},"canonical":"https:\/\/l21.mx\/?p=37839","twitter_card":"summary_large_image","twitter_title":"Planeaci\u00f3n financiera | Revista Latitud 21","twitter_description":"L21, Emprendedores y Negocios en el Caribe Mexicano, es la revista l\u00edder entre el Sector Empresarial y Tur\u00edstico del Caribe Mexicano.","twitter_image":"https:\/\/l21.mx\/wp-content\/uploads\/2019\/05\/planeacion-financiera.jpg","twitter_creator":"@Latitud21mx","twitter_site":"@Latitud21mx","twitter_misc":{"Escrito por":"Redacci\u00f3n","Tiempo de lectura":"2 minutos"},"schema":{"@context":"https:\/\/schema.org","@graph":[{"@type":"Article","@id":"https:\/\/l21.mx\/?p=37839#article","isPartOf":{"@id":"https:\/\/l21.mx\/?p=37839"},"author":{"name":"Redacci\u00f3n","@id":"https:\/\/l21.mx\/#\/schema\/person\/066641669c6ee7227953da2a023ebcde"},"headline":"Planeaci\u00f3n financiera","datePublished":"2019-05-28T20:35:16+00:00","dateModified":"2020-01-13T18:05:54+00:00","mainEntityOfPage":{"@id":"https:\/\/l21.mx\/?p=37839"},"wordCount":481,"commentCount":0,"publisher":{"@id":"https:\/\/l21.mx\/#organization"},"image":{"@id":"https:\/\/l21.mx\/?p=37839#primaryimage"},"thumbnailUrl":"https:\/\/l21.mx\/wp-content\/uploads\/2019\/05\/planeacion-financiera.jpg","keywords":["Finanzas Personales"],"articleSection":["Finanzas personales","Noticias"],"inLanguage":"es","potentialAction":[{"@type":"CommentAction","name":"Comment","target":["https:\/\/l21.mx\/?p=37839#respond"]}]},{"@type":"WebPage","@id":"https:\/\/l21.mx\/?p=37839","url":"https:\/\/l21.mx\/?p=37839","name":"Planeaci\u00f3n financiera | Revista Latitud 21","isPartOf":{"@id":"https:\/\/l21.mx\/#website"},"primaryImageOfPage":{"@id":"https:\/\/l21.mx\/?p=37839#primaryimage"},"image":{"@id":"https:\/\/l21.mx\/?p=37839#primaryimage"},"thumbnailUrl":"https:\/\/l21.mx\/wp-content\/uploads\/2019\/05\/planeacion-financiera.jpg","datePublished":"2019-05-28T20:35:16+00:00","dateModified":"2020-01-13T18:05:54+00:00","description":"L21, Emprendedores y Negocios en el Caribe Mexicano, es la revista l\u00edder entre el Sector Empresarial y Tur\u00edstico del Caribe Mexicano.","breadcrumb":{"@id":"https:\/\/l21.mx\/?p=37839#breadcrumb"},"inLanguage":"es","potentialAction":[{"@type":"ReadAction","target":["https:\/\/l21.mx\/?p=37839"]}]},{"@type":"ImageObject","inLanguage":"es","@id":"https:\/\/l21.mx\/?p=37839#primaryimage","url":"https:\/\/l21.mx\/wp-content\/uploads\/2019\/05\/planeacion-financiera.jpg","contentUrl":"https:\/\/l21.mx\/wp-content\/uploads\/2019\/05\/planeacion-financiera.jpg","width":620,"height":388},{"@type":"BreadcrumbList","@id":"https:\/\/l21.mx\/?p=37839#breadcrumb","itemListElement":[{"@type":"ListItem","position":1,"name":"Portada","item":"https:\/\/l21.mx\/"},{"@type":"ListItem","position":2,"name":"Planeaci\u00f3n financiera"}]},{"@type":"WebSite","@id":"https:\/\/l21.mx\/#website","url":"https:\/\/l21.mx\/","name":"Revista Latitud 21","description":"Emprendedores y negocios en el Caribe Mexicano","publisher":{"@id":"https:\/\/l21.mx\/#organization"},"potentialAction":[{"@type":"SearchAction","target":{"@type":"EntryPoint","urlTemplate":"https:\/\/l21.mx\/?s={search_term_string}"},"query-input":{"@type":"PropertyValueSpecification","valueRequired":true,"valueName":"search_term_string"}}],"inLanguage":"es"},{"@type":"Organization","@id":"https:\/\/l21.mx\/#organization","name":"Grupo Editorial Latitud 21 SA de CV","url":"https:\/\/l21.mx\/","logo":{"@type":"ImageObject","inLanguage":"es","@id":"https:\/\/l21.mx\/#\/schema\/logo\/image\/","url":"https:\/\/l21.mx\/wp-content\/uploads\/2020\/10\/logo-l21-baja.jpg","contentUrl":"https:\/\/l21.mx\/wp-content\/uploads\/2020\/10\/logo-l21-baja.jpg","width":250,"height":250,"caption":"Grupo Editorial Latitud 21 SA de CV"},"image":{"@id":"https:\/\/l21.mx\/#\/schema\/logo\/image\/"},"sameAs":["https:\/\/www.facebook.com\/RevistaLatitud21\/","https:\/\/x.com\/Latitud21mx"]},{"@type":"Person","@id":"https:\/\/l21.mx\/#\/schema\/person\/066641669c6ee7227953da2a023ebcde","name":"Redacci\u00f3n","url":"https:\/\/l21.mx\/?author=69"}]}},"amp_enabled":true,"_links":{"self":[{"href":"https:\/\/l21.mx\/index.php?rest_route=\/wp\/v2\/posts\/37839","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/l21.mx\/index.php?rest_route=\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/l21.mx\/index.php?rest_route=\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/l21.mx\/index.php?rest_route=\/wp\/v2\/users\/69"}],"replies":[{"embeddable":true,"href":"https:\/\/l21.mx\/index.php?rest_route=%2Fwp%2Fv2%2Fcomments&post=37839"}],"version-history":[{"count":1,"href":"https:\/\/l21.mx\/index.php?rest_route=\/wp\/v2\/posts\/37839\/revisions"}],"predecessor-version":[{"id":40916,"href":"https:\/\/l21.mx\/index.php?rest_route=\/wp\/v2\/posts\/37839\/revisions\/40916"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/l21.mx\/index.php?rest_route=\/wp\/v2\/media\/37840"}],"wp:attachment":[{"href":"https:\/\/l21.mx\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=37839"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/l21.mx\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=37839"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/l21.mx\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=37839"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}