{"id":40884,"date":"2020-01-13T13:03:37","date_gmt":"2020-01-13T18:03:37","guid":{"rendered":"https:\/\/l21.mx\/?p=40884"},"modified":"2020-01-13T13:05:54","modified_gmt":"2020-01-13T18:05:54","slug":"la-cuesta-de-enero","status":"publish","type":"post","link":"https:\/\/l21.mx\/?p=40884","title":{"rendered":"LA CUESTA DE ENERO"},"content":{"rendered":"\n

Carlos Ra\u00fal Gij\u00f3n\/Miguel Alfonso Mart\u00edn\u00a0<\/strong><\/p>

Coordinadores del Programa Somos Futuro\u00a0<\/a><\/p>

orgdeparticipacionjuvenil@gmail.com<\/a><\/p><\/blockquote>\n\n\n\n

L<\/strong>as finanzas se definen como el arte y la ciencia de administrar dinero, y el ser humano, enmarcado en el ser como persona econ\u00f3micamente activa que recauda dinero, lo gasta o lo invierte, tiene una relaci\u00f3n directa que es independiente de sus deseos y adem\u00e1s desea su bienestar y su felicidad. (Giltman y Zutter, 2007)<\/p>\n\n\n\n

Ahora que tenemos un concepto m\u00e1s claro de lo que son las finanzas personales, podemos platicar sobre las consecuencias que tienen cada fin de a\u00f1o, espec\u00edficamente el mes de diciembre, ya que es uno de los meses con mayor auge econ\u00f3mico gracias a las prestaciones laborales que son otorgadas en este mes, a diferencia de los dem\u00e1s; en consecuencia, las personas al tener mayores ingresos en estas fechas y la publicidad que se le da a las fiestas decembrinas tienden a gastar m\u00e1s, realizando compras que son motivaciones humanas.<\/p>\n\n\n\n

Son precisamente estos gastos no administrados el principal problema econ\u00f3mico que enfrentan muchas familias al inicio de cada a\u00f1o como consecuencia de las celebraciones de diciembre, por lo que se le ha considerado la famosa \u2018cuesta de enero\u2019; y digo, \u00bfqu\u00e9 tiene de relevante? Pues detr\u00e1s de esta simple frase se esconden muchos problemas econ\u00f3micos, por lo que es importante aprovechar esos ingresos para hacer compras inteligentes, para que no se vea afectada nuestra econom\u00eda.<\/p>\n\n\n\n

Aunque lo m\u00e1s seguro es que a estas alturas ya gastaste tu aguinaldo, no est\u00e1 de m\u00e1s atender estas recomendaciones.<\/p>\n\n\n\n

Debemos focalizar un presupuesto y esto implica tener en consideraci\u00f3n algunas variables, como el ingreso fijo que tienes, en otras palabras el salario y los gastos que realizar\u00e1s por concepto de alimentos, transporte, etc. Una vez que tienes contemplado estas variables debes saber administrar todos estos conceptos para que logres cumplir con tus obligaciones y cubrir tus necesidades financieras. <\/p>\n\n\n\n

El siguiente punto es muy importante, se refiere al ahorro, es recomendable  guardar el 10% de tus ingresos para poder tener un monto que respalde cualquier imprevisto.<\/p>\n\n\n\n

Por todo lo anterior consideramos adecuado buscar la manera de armonizar deudas, esto conlleva intentar cubrir un poco m\u00e1s las cuotas que debes, y no nos referimos a que utilices ingresos destinados para algo ya fijado y que los suplas, sino que aquellos extras de ingresos o lo que nos quede libre despu\u00e9s de cubrir con tus obligaciones abonarlo a la deuda para terminar con ella lo antes posible, y poder afrontar esta \u2018cuesta de enero\u2019 con estabilidad financiera.  
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Carlos Ra\u00fal Gij\u00f3n\/Miguel Alfonso Mart\u00edn\u00a0 Coordinadores del Programa Somos Futuro\u00a0 orgdeparticipacionjuvenil@gmail.com Las finanzas se definen como…<\/p>\n","protected":false},"author":95,"featured_media":40907,"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],"tags":[764],"class_list":["post-40884","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-finanzas-personales","tag-finanzas-personales"],"acf":[],"yoast_head":"\nLA CUESTA DE ENERO | 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, 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