Top 10 consejos para alcanzar libertad financiera

Top 10 consejos para alcanzar libertad financiera

libertad financiera

1 Crea un presupuesto

Hacer un presupuesto es una manera fácil de seguir muy de cerca lo que gastas y de asegurarte que no estás teniendo excesos en ningún campo. Si realmente deseas que tus finanzas vayan por el camino correcto, esquematiza un presupuesto y revísalo cada pocos meses para asegurarte de que es algo a lo que, de hecho, te puedes ajustar. Si no es así, necesitarás reducir algunos gastos para evitar la deuda y no afectar tus esfuerzos de ahorro.

2 Identifica los tipos de ingresos y gastos 

A la hora de elaborar tu presupuesto ten en cuenta lo que recibes y lo que pagas regularmente y además si algún mes recibes una paga extra o Hacienda te devuelve dinero de la declaración. Del mismo modo, no pases por alto si en determinadas fechas tienes un pago que no sueles hacer todos los meses, como por ejemplo una factura más elevada del gas en los meses de frío.

3 Decide qué posgrado vas a estudiar… ¡y rápido!

Volver a estudiar puede ser una decisión valiosa para tu carrera, pero también tiene su costo. Así que entre más pronto decidas a que universidad vas a aplicar, mejor capacitado estarás para tomar otras determinaciones financieras, como comprar una casa inmediatamente. Además, aunque usualmente está la opción de pedir un préstamo para un título de posgrado, tu educación también podría ser el tipo de proyectos para los que quisieras ahorrar.

4 Ten claras tus metas

Fija una estrategia para conseguirlas. Esto te permitirá planificar el tiempo que necesitarás y el uso que debes de hacer de tu dinero. Si tienes un objetivo para visualizar, como por ejemplo pagarte un viaje en vacaciones, te verás más motivado para ahorrar. Es una buena estrategia para conseguir libertad financiera

5. Construye un fondo de emergencia

No importa cuánto ganes, uno de las decisiones financieras más importantes es establecer un fondo de emergencia. Nunca se sabe cuándo podrías perder tu trabajo, enfermarte, o estar en alguna situación en la que de repente necesites dinero. Los ahorros de emergencia pueden protegerte de estas y otras condiciones inesperadas, así que empieza a enfocarte en el objetivo de acumular suficiente dinero para cubrir tus gastos de vida por entre tres y seis meses. esto tambien te bpermitira tener libertad financier.

6 Consume con inteligencia

Una persona con libertad financiera la crea la moderación. Con eso justamente nos referimos a que forjes un criterio al momento de elegir un producto o experiencia para consumir.Define qué deseas y qué necesitas para vivir. No se trata de que lleves una vida de privaciones pero, ¿en verdad necesitas ese café de franquicia cada mañana? ¿Por qué mejor no lo preparas en casa?.

7 Interésate por el comportamiento de las finanzas

La salud de tus finanzas personales está en tus manos. Así que inspírate siguiendo blogs de educación financiera como este y pierde la vergüenza cuando se trate de hablar asuntos relacionados con el dinero.Además, en Internet encontrarás medios online y sitios especializados en noticias económicas que puedes consultar y añadir a tu rutina diaria de lectura.

Investment.

8 Diversifica tus entradas de dinero

Así como es bueno diversificar tus inversiones, es muy positivo tener fuentes de ingresos alternativas. Entre las maneras de generar ingresos extra está ofrecer alguna propiedad en renta y capitalizar actividades que te produzcan placer como cocinar o pasear perros, por ejemplo. esto te ayudara de mucho a lograr tu libertad financiera.

9 Invierte una parte de tus ingresos

Invertir es poner a trabajar una parte de tu dinero para que se multiplique. Dependiendo de tu tolerancia al riesgo, puedes elegir entre varios instrumentos de inversión. En este caso la palabra clave es diversificar porque multiplicas tus posibilidades de generar ganancias, al poner “los huevos en diferentes canastas” y reduces la posibilidad de perder todo el capital si un instrumento tiene un mal rendimiento.

10 Paga tus deudas

Es una práctica que no puede faltar para que vivas con tranquilidad y seas verdaderamente independiente financieramente, pues a la larga hasta las pequeñas deudas, mal cuidadas, se vuelven una carga.

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