{"id":91380,"date":"2026-06-02T12:52:58","date_gmt":"2026-06-02T17:52:58","guid":{"rendered":"https:\/\/l21.mx\/?p=91380"},"modified":"2026-06-02T12:52:58","modified_gmt":"2026-06-02T17:52:58","slug":"la-economia-del-dia-a-dia","status":"publish","type":"post","link":"https:\/\/l21.mx\/?p=91380","title":{"rendered":"La econom\u00eda\u00a0del d\u00eda a d\u00eda"},"content":{"rendered":"<ul>\n<li>Columna de la Editora<\/li>\n<li><b>Nelly Garc\u00eda<\/b><\/li>\n<li>ngarcia@latitud21.com.mx<\/li>\n<\/ul>\n<p>Hay noticias econ\u00f3micas que solemos dejar pasar porque parecen lejanas. Las escuchamos en t\u00e9rminos t\u00e9cnicos \u2014crecimiento del PIB, deuda soberana, inflaci\u00f3n, calificaciones crediticias\u2014 y asumimos que pertenecen al mundo de los economistas, de los mercados o de las oficinas gubernamentales. Pero tarde o temprano, casi siempre, terminan llegando a un lugar mucho m\u00e1s cercano: el bolsillo.<\/p>\n<p>M\u00e9xico atraviesa hoy uno de esos momentos donde la econom\u00eda no parece estar mal, pero tampoco avanza con la fuerza suficiente para generar tranquilidad. El reciente ajuste del Banco de M\u00e9xico a la expectativa de crecimiento del pa\u00eds \u2014de 1.6 a 1.1 por ciento para este a\u00f1o\u2014 no significa una crisis inminente, pero s\u00ed un mensaje claro: la econom\u00eda se est\u00e1 desacelerando.<\/p>\n<p>\u00bfY eso qu\u00e9 significa realmente?<\/p>\n<p>En t\u00e9rminos simples, que el pa\u00eds est\u00e1 creciendo m\u00e1s lento. Cuando una econom\u00eda pierde ritmo, las empresas suelen ser m\u00e1s cautelosas, las inversiones tardan m\u00e1s en concretarse y el consumo empieza a moderarse. No ocurre de golpe ni se siente igual para todos, pero sus efectos terminan filtr\u00e1ndose poco a poco en la vida cotidiana.<\/p>\n<p>Para una ciudad como Canc\u00fan, donde buena parte de la actividad econ\u00f3mica depende del turismo, el consumo y la confianza, esto cobra todav\u00eda m\u00e1s relevancia. Cuando hay menos certidumbre econ\u00f3mica en M\u00e9xico o en los mercados internacionales, los proyectos se vuelven m\u00e1s prudentes, las expansiones se piensan dos veces y el empleo puede resentirse, aunque no siempre de forma evidente.<\/p>\n<p>De hecho, los n\u00fameros laborales muestran algo interesante \u2014y al mismo tiempo preocupante\u2014: en M\u00e9xico hay m\u00e1s personas ocupadas, s\u00ed, pero una buena parte de ese crecimiento est\u00e1 ocurriendo desde la informalidad y el autoempleo. Es decir, m\u00e1s personas est\u00e1n trabajando, pero no necesariamente en condiciones m\u00e1s estables o con mayores ingresos.<\/p>\n<p>Dicho de otro modo: no siempre tener empleo significa vivir con mayor tranquilidad financiera.<\/p>\n<p>A esto se suma otra noticia que, aunque suena lejana, merece atenci\u00f3n. Las calificadoras internacionales redujeron la perspectiva y calificaci\u00f3n de la deuda soberana mexicana. Traducido al espa\u00f1ol cotidiano: perciben mayores riesgos hacia adelante para las finanzas del pa\u00eds.<\/p>\n<p>No es motivo de alarma ni significa una crisis autom\u00e1tica. M\u00e9xico sigue siendo un pa\u00eds con grado de inversi\u00f3n y eso sigue siendo una fortaleza. Pero cuando aumenta la percepci\u00f3n de riesgo, pedir dinero suele volverse m\u00e1s caro. Y eso puede reflejarse en cr\u00e9ditos hipotecarios, financiamientos, tarjetas o pr\u00e9stamos empresariales m\u00e1s costosos.<\/p>\n<p>Tambi\u00e9n puede impactar en la inversi\u00f3n, en el tipo de cambio y eventualmente en los precios. Porque cuando el dinero cuesta m\u00e1s y el entorno se vuelve incierto, la econom\u00eda suele moverse con mayor cautela.<\/p>\n<p>Quiz\u00e1 la gran lecci\u00f3n de este momento econ\u00f3mico es entender que las finanzas personales no viven separadas de la econom\u00eda nacional. Pensar que lo que pasa en Banxico, en Hacienda o en las calificadoras no tiene nada que ver con nuestra vida cotidiana es un error frecuente.<\/p>\n<p>S\u00ed tiene que ver.<\/p>\n<p>Por eso, en tiempos donde la econom\u00eda avanza m\u00e1s despacio, vale la pena recuperar algo que muchas veces olvidamos cuando las cosas parecen ir bien: cuidar la deuda, fortalecer el ahorro, evitar compromisos financieros excesivos y tomar decisiones con m\u00e1s visi\u00f3n de largo plazo.<\/p>\n<p>Porque aunque la econom\u00eda de un pa\u00eds se mida en porcentajes, la tranquilidad financiera de las personas sigue midi\u00e9ndose, casi siempre, en certezas.<span class=\"Apple-converted-space\">\u00a0 \u00a0<\/span><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Columna de la Editora Nelly Garc\u00eda ngarcia@latitud21.com.mx Hay noticias econ\u00f3micas que solemos dejar pasar porque parecen&hellip;<\/p>\n","protected":false},"author":95,"featured_media":46181,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"_lmt_disableupdate":"no","_lmt_disable":"","_mbp_gutenberg_autopost":false,"footnotes":""},"categories":[923],"tags":[],"class_list":["post-91380","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-nelly-garcia"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.7 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>La econom\u00eda\u00a0del d\u00eda a d\u00eda | 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 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