¡Llegó diciembre y el último blog del año! Además del aguinaldo y la emoción de un dinero extra. Con la llegada del decimotercer salario, y para algunos también el dinero de los bonos y -para una minoría- los réditos de las acciones de su empresa… Con esto, las personas pueden llegar a gozar de un ingreso extra que para algunos será para saldar cuentas pendientes, mientras que para otros será para la compra de regalos y algún deleite extra.
Pero, alto, pensemos y comencemos a planear el próximo año, demos los pasos necesarios para tener una vida financiera más estable y controlada. Desde el punto de vista del estado financiero, se trata de un período realmente decisivo.
Este tiempo de gran agitación y emoción puede representar un peligro para nuestra billetera si nuestros gastos no son planificados con anterioridad. Debemos definir dónde y cómo haremos nuestros gastos. Investiguemos los precios de los productos que deseamos comprar, hagamos una lista de las personas a quienes vamos a obsequiar y alimentemos el presupuesto con estos datos.
Definamos cuánto podemos invertir en cada cosa y no nos pasemos del presupuesto. El consumo consciente y planificado hará una gran contribución a la billetera de cada uno y a la economía del país, que crecerá de forma sustancial y dinámica.
Los gastos previstos. Para que podamos poner en práctica el sueño de ahorrar, incluyamos en nuestro presupuesto los gastos fijos de principio de año: material escolar, matrículas, etc. Por eso, no olvidemos guardar dinero para no tener que endeudarnos. Como sabemos, este tipo de gastos llegan cada año y solo es cuestión de prepararse mejor y de guardar esos colones para el próximo año.
Planificando nuestros gastos, el próximo año estará lleno de oportunidades. Las dudas serán parte del pasado y la realidad será otra: la hora de pensar en las inversiones. El optimismo junto a un control por los gastos hará posible esa realidad de invertir.
El futuro comienza ahora. Si decidimos planificar el próximo año, ¿por qué no anticipar la programación de los años más distantes? ¿Cuáles son nuestros planes para los próximos cinco, diez ó quince años? Poco a poco nos daremos cuenta que planificar no cuesta nada y que anticipar esa planificación financiera futura es la mejor opción para prosperar y realizar nuestros sueños, siempre con mucha disciplina y respeto hacia nuestros bienes.
Jorge Fernández
Acceptance Development Centroamérica
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