{"id":38015,"date":"2019-06-06T10:29:28","date_gmt":"2019-06-06T15:29:28","guid":{"rendered":"https:\/\/l21.mx\/?p=38015"},"modified":"2020-01-13T13:05:54","modified_gmt":"2020-01-13T18:05:54","slug":"salud-financiera","status":"publish","type":"post","link":"https:\/\/l21.mx\/?p=38015","title":{"rendered":"Salud financiera"},"content":{"rendered":"\n<p><strong><em>\u201cEs recomendable tener m\u00e1s\u00a0de una fuente\u00a0de ingresos\u00a0con el fin\u00a0de evitar\u00a0depender de\u00a0un solo empleo\u201d<\/em><\/strong><\/p>\n\n\n\n<p><strong>S<\/strong>i deseamos que nuestras finanzas personales sean saludables, lo primero que debemos hacer es un an\u00e1lisis de nuestros ingresos, gastos, ahorro e inversi\u00f3n, entre los aspectos m\u00e1s importantes a considerar. <\/p>\n\n\n\n<p>En ese sentido, sin duda es recomendable tener m\u00e1s de una fuente de ingresos, no importa que generen distintos niveles de retribuciones, lo importante es estar diversificados en la obtenci\u00f3n de recursos.\u00a0<\/p>\n\n\n\n<p>Por el lado del gasto existen diversas maneras en las que podemos emplearlo, pero en todas ellas debemos hacerlo de manera responsable. <\/p>\n\n\n\n<p>No es de extra\u00f1ar que algunas personas trabajen \u00fanicamente para pagar sus deudas o que gasten en productos o en actividades innecesarias dej\u00e1ndose llevar por publicidad enga\u00f1osa o por la euforia de las temporadas de rebajas y descuentos.\u00a0<\/p>\n\n\n\n<p>Las personas con educaci\u00f3n financiera \u2013la cual no siempre est\u00e1 ligada a la educaci\u00f3n acad\u00e9mica- establecen un presupuesto a partir del total de sus ingresos.<\/p>\n\n\n\n<p>En dicho presupuesto est\u00e1n contemplados todos los gastos mensuales fijos (como los servicios, la escuela de los hijos, la despensa, las mensualidades de los seguros de salud, de vida y de auto), el ahorro con sus metas espec\u00edficas (vacaciones, un nuevo celular o computadora, cambiar de auto) y la inversi\u00f3n (en un nuevo negocio o como socio en uno que ya est\u00e1 establecido, en un fondo de inversi\u00f3n, en deuda de gobierno y\/o de empresas, en dep\u00f3sitos a plazo, etc.) en actividades que les traer\u00e1n rendimientos en un futuro\u2026<\/p>\n\n\n\n<p>Sin embargo, a la mayor\u00eda de las personas se les dificulta ahorrar debido a que no perciben esta actividad como una prioridad en su vida, y m\u00e1s a\u00fan si ya se comprometieron con una serie de deudas que deben cubrir, pero no hay que olvidar que nunca es tarde para recuperar la paz y la tranquilidad econ\u00f3mica\u2026 \u00bfC\u00f3mo lo hacemos?.<\/p>\n\n\n\n<p>En primera instancia revise su patrimonio, haga una lista de los gastos y div\u00eddala entre los obligatorios (o necesarios) y los innecesarios; observe los gastos innecesarios y decida de entre ellos cu\u00e1les son aquellos que puede dejar de hacer sin que eso afecte sensiblemente su calidad de vida, y transf\u00f3rmelos en ahorro. <\/p>\n\n\n\n<p>Adem\u00e1s, analice minuciosamente cada uno de los cr\u00e9ditos que tiene contratados y reflexione si realmente necesita pagarlos en cuotas o si acaso puede liquidarlos en menos de un a\u00f1o, aprovechando ya sea el aguinaldo, el pago de utilidades, los bonos extra, las primas vacacionales, o cualquier situaci\u00f3n por la cual reciba mayores ingresos.\u00a0<\/p>\n\n\n\n<p>Conjuntamente se debe conocer cu\u00e1les son las herramientas financieras con las que contamos al momento de adquirir un autom\u00f3vil, una vivienda, un negocio, acciones, etc., ya que de esta manera se podr\u00e1 planear, as\u00ed como establecer los gastos que son prioridades y especialmente usted podr\u00e1 ahorrar para enfrentar situaciones inesperadas, lo que le permitir\u00e1 vivir con bienestar y tranquilidad econ\u00f3mica.<strong>&nbsp;<\/strong><\/p>\n","protected":false},"excerpt":{"rendered":"<p>\u201cEs recomendable tener m\u00e1s\u00a0de una fuente\u00a0de ingresos\u00a0con el fin\u00a0de evitar\u00a0depender de\u00a0un solo empleo\u201d Si deseamos que&hellip;<\/p>\n","protected":false},"author":69,"featured_media":38016,"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":[484,20],"tags":[764],"class_list":["post-38015","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-finanzas-personales","category-columnas","tag-finanzas-personales"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.3 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Salud 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, 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