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Inteligencia Financiera: Ahorrando en tiempo de crisis

Ahorrar significa simplemente guardar dinero para usarlo después. Es una actividad incluso saludable que produce tranquilidad emocional para enfrentar tiempos difíciles.

Sin embargo, el ahorro puede tornarse algo difícil de realizar especialmente en un ambiente donde el fantasma de la crisis financiera pasada aún se siente, entre despidos, alzas en los precios de la gasolina, y de la comida entre otros, sólo pensar en ahorrar para la comunidad latina pareciera un problema.

 Mantener un ahorro disponible nos permite estar preparados para el futuro, suplir gastos inesperados, planear vacaciones, e incluso si estamos habituados a enviar dinero a nuestros países esta suma podría incrementarse.

Lo primero que tenemos que identificar es nuestro ingreso y cuanto gastamos. Debemos identificar entre nuestros gastos fijos mensuales, como la renta o hipoteca, seguros, préstamos, y gastos variables mensuales como impuestos, comida, ropa, gasolina, arreglos del carro, reparación de la casa, entretención, etc.

Luego que identificamos nuestros gastos, sabemos dónde va el dinero y tenemos más control y sabemos cuánto dinero necesitamos para cubrirlos. No obstante, nos podemos encontrar con sorpresas, como cuando nuestros gastos son mayores que nuestros ingresos, ahí estamos en un problema.

La fórmula del ahorro es simple, nuestros ingresos deben ser mayor que nuestros gastos, para ello tenemos dos opciones aumentar los ingresos o reducir los gastos.

Sabemos por experiencia propia que aumentar los ingresos es difícil, pero reducir los gastos es posible una vez que los hemos identificado, sin mencionar que nos daremos cuentas de gastos innecesarios que hacemos sin darnos cuenta.

Podemos ahorrar dinero siguiendo unos pasos sencillos:

Gastar menos, esto incluye también no comprar lo que no pueda pagar. Suplir necesidades en lugar de deseos es la clave.

Disminuir y evitar las deudas, un consejo es pagar un poquito más del mínimo en las tarjetas de crédito para así ir reduciendo el capital. Reemplazar las tarjetas de crédito por débitos, así gastaremos lo que dispongamos.

Revisar los estados de cuentas, encontraremos servicios que no hemos solicitado o no usamos, como en el teléfono residencial, coberturas de seguros que no necesitamos, y cargos por mantención en servicios bancarios que pueden ser eliminados por ejemplo al abrir una cuenta de ahorro.

Hacer una lista, para comprar de manera inteligente en el supermercado.

Destinar efectivo a una cuenta de ahorro adquirir el hábito de poner algo de nuestro ingreso en un fondo para ahorro. Requiere disciplina, pero es motiva el hecho de ver como los fondos van creciendo.

 

Leer más artículos sobre inteligencia financiera:

Como postular a trabajo en los Estados Unidos

Como construir credito en los Estados Unidos

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