Tener dinero no es necesariamente ser rico, sino tener una buena calidad de vida y tranquilidad económica. Para ello, es necesario ser prevenido y adquirir los conocimientos básicos que permitan una vida financiera saludable. Pero sobre todo, es necesario planificar y definir prioridades entre los objetivos de desarrollo, personales y familiares, que deseamos alcanzar.
Planear el dinero significa trazar un proyecto para lograr metas concretas en el corto, mediano o largo plazo. Para que el proceso de planificación sea efectivo, debe hacerse previamente un ejercicio de análisis y diagnóstico de las necesidades que deseo atender y los objetivos que deseo alcanzar.
La planeación permite prever, es decir, visualizar con anticipación los riesgos, consecuencias y eventualidades que puedan ocurrir. También nos ayuda a tomar decisiones más razonadas, que nos permiten escoger las mejores opciones entre varias alternativas, facilitando así el autocontrol en nuestra propia vida, lo cual es decisivo para el éxito de lo que haremos con nuestro dinero extra, especialmente en el aspecto de la seguridad financiera personal y familiar a futuro.
La planeación financiera utiliza un instrumento denominado presupuesto.
Planificación financiera
• Plan financiero: herramienta que permite decidir cómo usar dinero extra para lograr metas.
• Planificación:
1. Examinar situación individual
2. Determinar metas
3. Planificar, controlar y decidir
4. Registrar ingresos y gastos
5. Evaluar
Como lo hemos mencionado, un plan financiero es la herramienta por medio de la cual, es posible tomar decisiones acerca de cómo utilizar nuestro dinero extra no solamente en función de cubrir nuestros gastos si no también con el fin de lograr metas:
Para hacer la planificación es necesario:
*Examinar o revisar la situación individual o familiar
*Fijar las metas que se desea alcanzar
*Planificar, controlar y decidir: el registro de ingresos y gastos será necesario
para evaluar la situación financiera.
El presupuesto personal o familiar es un instrumento muy útil y de mucha importancia para el control de las finanzas, ya que nos permite saber cuánto dinero entra y tener un detalle de todos los gastos fijos y los variables, pero además permite llevar un control de los mismos y a partir de esto es posible tomar decisiones.
*Evaluar: Con este registro, será posible detectar en qué se está gastando más dinero, y a partir de identificar gastos que no son indispensable es posible tomar decisiones para reducirlos y de esta forma, ir mejorando la situación financiera. Es decir, podemos permanentemente evaluar cual es nuestra situación financiera y analizar alternativas para tomar las mejores decisiones.
3 Planificación financiera:
Definir Metas
• Para formar un plan financiero, lo primero es establecer metas :
- Realistas
- Por plazos (corto, mediano y largo)
- Definir costos asociados a las metas
- Identificar los pasos para lograrlas
Una vez analizada la situación familiar o personal, es necesario establecer metas. ¿Qué quiero hacer con mi dinero extra? ¿Qué cosas quisiera alcanzar en la vida? Es muy importante que al pensar en objetivos o metas, nos propongamos algo que sea significativo para nosotros; de esta forma nos comprometeremos con nosotros mismos para realizarlas. Al definir las metas y empezar a trabajar en un plan para lograrlas, debemos tomar en cuenta cuatro condiciones que una meta debe cumplir:
Debe ser realista: significa que es algo factible, posible. El proponerse algo irrealizable puede generar frustración si no se alcanza, por otra parte, cuando una meta es realista nos motiva a esforzarnos por lograrla. Debe tener un plazo: dependiendo del tipo de meta, el tiempo para alcanzarla puede variar, esto es lo más importante que debemos tomar en cuenta para utilizar bien el dinero extra.



[...] before not it have in its stock market “casa de bolsa”. The remarkable improvement of money “dinero” and what happens to the written down partnerships in stock exchange “bolsa de valores” be [...]
[...] be below that level in its stock market “casa de bolsa”. This favorable situation of money “dinero” considering the great sales of these companies in stock exchange “bolsa de valores” be put [...]
[...] money “dinero” of Gadafi volvera shortly to its country of Libya origin, administered and used affluent sera in [...]
[...] money “dinero” of Gadafi volvera shortly to its nation of Libya origin, administered and used affluent sera in [...]
[...] money “dinero” of Gadafi volvera shortly to its country of Libya origin, administered and used affluent sera in [...]
[...] Recibira Money Of The Gadafi? by Jeff on Sep.09, 2011, under Uncategorized The money “dinero” of Gadafi volvera shortly to its nation of Libya origin, but sufficiently managed the new cupola [...]
[...] hopfeed_keywords='dinero'; hopfeed_path='http://www.hopfeed.com'; The money “dinero” of Gadafi one says that back to his nation of origin that is to say, Libya, and sight that is [...]
[...] money “dinero” of Gadafi one says that back to his nation of origin that is to say, Libya, and sight that is [...]
[...] The Gadafi? September 8, 2011 | Author: Lourens Human | Posted in Uncategorized The money “dinero” of Gadafi volvera shortly to its country of Libya origin, They will be a capital that has a good [...]
[...] money “dinero” of Gadafi one says that back to his nation of origin that is to say, Libya, and sight that is [...]
[...] money “dinero” of Gadafi you would back soon to Libya and the country requirements them with urgency, but [...]
[...] hopfeed_keywords='dinero'; hopfeed_path='http://www.hopfeed.com'; The money “dinero” of Gadafi one says that back to his country of origin that is to say, Libya, and sight that is [...]
[...] hopfeed_keywords='dinero'; hopfeed_path='http://www.hopfeed.com'; The money “dinero” of Gadafi volvera shortly to its nation of Libya origin, but suitably managed the new cupola of [...]
[...] hopfeed_keywords='dinero'; hopfeed_path='http://www.hopfeed.com'; The money “dinero” of Gadafi one says that back to his nation of origin that is to say, Libya, and sight that is [...]
[...] hopfeed_keywords='dinero'; hopfeed_path='http://www.hopfeed.com'; The money “dinero” of Gadafi you would back soon to Libya and the country wants them with urgency, but suitably [...]
[...] hopfeed_keywords='dinero'; hopfeed_path='http://www.hopfeed.com'; The money “dinero” of Gadafi one says that back to his nation of origin that is to say, Libya, and sight that is [...]
[...] money “dinero” of Gadafi you would back soon to Libya and the country needs them with urgency, They will be a [...]
[...] money “dinero” of Gadafi one says that back to [...]
[...] money “dinero” of Gadafi you would back soon to Libya and the country wants them with urgency, but [...]
[...] money “dinero” of Gadafi one says that back to his country of origin that is to say, Libya, and sight that is [...]
[...] var addthis_product = 'wpp-262'; var addthis_config = {"data_track_clickback":true};The money “dinero” of Gadafi you would back soon to Libya and the country needs them with urgency, but sufficiently [...]
[...] Of The Gadafi? Posted on October 1, 2011 by admin Secaucus NJ Totowa real estateThe money “dinero” of Gadafi volvera shortly to its nation of Libya origin, They will be a capital that has a good [...]
[...] Of The Gadafi? Posted on October 2, 2011 by admin Secaucus NJ Totowa real estateThe money “dinero” of Gadafi one says that back to his country of origin that is to say, Libya, and sight that is [...]
[...] Bauer it has invested a total of 25 million dollars in contracting gamers abroad and. The Money “dinero” results in being a directive thus that frames the differences in its [...]
[...] Bauer it has invested a total of 25 million dollars in contracting gamers abroad and. The Money “dinero” he is exactly this what causes that is not balanced what they say of which they make these [...]
[...] Bauer it has invested a total of 25 million dollars in contracting players abroad and. The Money “dinero” he is exactly this what causes that is not balanced what they say of which they make these [...]
[...] has had to invest but of 25 million dollars to obtain to very good players abroad and. The Money “dinero” it is certainly this scenario the one that causes that one is asked, how they estan subsequent [...]
[...] Bauer has invested but of 25 million green tickets in hirings in Mexico abroad and. The Money “dinero” it is certainly this situation the one that causes that one is asked, how they estan subsequent [...]
[...] had to invest but of 25 million dollars to obtain to beneficial players abroad and. The Money “dinero” he is exactly this what causes that is not balanced what they say of which they make these [...]
[...] Of The Gadafi? Posted on October 6, 2011 by admin Secaucus NJ Totowa real estateThe money “dinero” of Gadafi one says that back to his nation of origin that is to say, Libya, and sight that is [...]
[...] it has had to invest but of 25 million dollars to obtain to good players abroad and. The Money “dinero” it is certainly this scenario the one that causes that one is asked, how they estan subsequent [...]
[...] 25 million green tickets in hirings in Mexico abroad and. The Money “dinero” he is exactly this what causes [...]
[...] Bauer has spent but of 25 million green tickets in hirings in Mexico abroad and. The Money “dinero” it is certainly this situation the one that causes that one is asked, how they estan following [...]
[...] it has had to invest but of 25 million dollars to obtain to good players abroad and. The Money “dinero” it is without a doubt this situation the one that brings about that one is asked, how they estan [...]
[...] Bauer has spent but of 25 million green tickets in hirings in Mexico abroad and. The Money “dinero” it is indeed this scenario the one that causes that one is asked, how they estan following his [...]
[...] Bauer it has invested a total of 25 million dollars in contracting gamers abroad and. The Money “dinero” he is exactly this what causes that is not balanced what they say of which they make these [...]
[...] Bauer has spent but of 25 million green tickets in hirings in Mexico abroad and. The Money “dinero” it is certainly this scenario the one that causes that one is asked, how they estan subsequent [...]
[...] Bauer it has invested a total of 25 million dollars in contracting players abroad and. The Money “dinero” he is exactly this what leads to that is not balanced what they say of which they make these [...]
[...] Bauer has spent but of 25 million green tickets in hirings in Mexico abroad and. The Money “dinero” he is exactly this what causes that is not balanced what they say of which they make these [...]
[...] Bauer has spent but of 25 million green tickets in hirings in Mexico abroad and. The Money “dinero” gets to be a directive thus that frames the differences in its [...]
[...] Bauer has invested but of 25 million green tickets in hirings in Mexico abroad and. The Money “dinero” will become a directive therefore that frames the differences in its [...]
[...] Bauer has invested but of 25 million green tickets in hirings in Mexico abroad and. The Money “dinero” will become a directive therefore that frames the differences in its [...]
[...] it has had to invest but of 25 million dollars to obtain to good players abroad and. The Money “dinero” he is exactly this what brings about that is not balanced what they say of which they make these [...]
[...] it has had to invest but of 25 million dollars to obtain to good players abroad and. The Money “dinero” it is without a doubt this situation the one that causes that one is asked, how they estan [...]
[...] has had to invest but of 25 million dollars to obtain to excellent players abroad and. The Money “dinero” it is certainly this scenario the one that causes that one is asked, how they estan subsequent [...]
[...] Bauer has put in but of 25 million green tickets in hirings in Mexico abroad and. The Money “dinero” gets to be a directive thus that frames the differences in its [...]
[...] Bauer it has invested a total of 25 million dollars in contracting players abroad and. The Money “dinero” gets to be a directive thus that frames the differences in its [...]
[...] Bauer it has invested a total of 25 million dollars in contracting players abroad and. The Money “dinero” it is indeed this scenario the one that causes that one is asked, how they estan subsequent his [...]
[...] Bauer has invested but of 25 million green tickets in hirings in Mexico abroad and. The Money “dinero” it is indeed this situation the one that causes that one is asked, how they estan following his [...]
[...] Bauer has spent but of 25 million green tickets in hirings in Mexico abroad and. The Money “dinero” it is without a doubt this situation the one that leads to that one is asked, how they estan [...]
[...] Bauer has spent but of 25 million green tickets in hirings in Mexico abroad and. The Money “dinero” it is indeed this scenario the one that causes that one is asked, how they estan following his [...]
[...] has had to invest but of 25 million dollars to obtain to very good players abroad and. The Money “dinero” it is indeed this situation the one that causes that one is asked, how they estan subsequent his [...]
[...] Bauer it has invested a total of 25 million dollars in contracting players abroad and. The Money “dinero” he is exactly this what brings about that is not balanced what they say of which they make these [...]
[...] Bauer it has invested a total of 25 million dollars in contracting players abroad and. The Money “dinero” he is exactly this what brings about that is not balanced what they say of which they make these [...]
[...] 25 million dollars to obtain to beneficial players abroad and. The Money “dinero” becomes a directive thus that frames the differences [...]
[...] Bauer it has invested a total of 25 million dollars in contracting players abroad and. The Money “dinero” it is without a doubt this situation the one that brings about that one is asked, how they estan [...]
[...] Bauer it has invested a total of 25 million dollars in contracting gamers abroad and. The Money “dinero” it is without a doubt this scenario the one that causes that one is asked, how they estan [...]
[...] Bauer it has invested a total of 25 million dollars in contracting players abroad and. The Money “dinero” gets a directive thus that frames the differences in its [...]
[...] Bauer it has invested a total of 25 million dollars in contracting players abroad and. The Money “dinero” becomes a directive thus that frames the differences in its [...]
[...] Bauer it has invested a total of 25 million dollars in contracting players abroad and. The Money “dinero” results in being a directive therefore that frames the differences in its [...]
[...] it has had to invest but of 25 million dollars to obtain to good players abroad and. The Money “dinero” it is certainly this situation the one that causes that one is asked, how they estan following [...]
[...] Bauer has invested but of 25 million green tickets in hirings in Mexico abroad and. The Money “dinero” it is indeed this situation the one that causes that one is asked, how they estan following his [...]
[...] Bauer has put in but of 25 million green tickets in hirings in Mexico abroad and. The Money “dinero” he is exactly this what brings about that is not balanced what they say of which they make these [...]
[...] Bauer has spent but of 25 million green tickets in hirings in Mexico abroad and. The Money “dinero” it is in truth this situation the one that leads to that one is asked, how they estan following [...]
[...] Bauer it has invested a total of 25 million dollars in contracting players abroad and. The Money “dinero” it is in truth this situation the one that causes that one is asked, how they estan subsequent [...]
… [Trackback]…
[...] Find More Informations here: bolsax.com/index.php/inversiones/dinero/ [...]…
rehls…
aevyyegqr faiyk wtqpliq cjuo abslerrzdcwkhwb…
… [Trackback]…
[...] Read More: bolsax.com/index.php/inversiones/dinero/ [...]…
… [Trackback]…
[...] There you will find 64499 more Infos: bolsax.com/index.php/inversiones/dinero/ [...]…
… [Trackback]…
[...] Read More: bolsax.com/index.php/inversiones/dinero/ [...]…
… [Trackback]…
[...] Informations on that Topic: bolsax.com/index.php/inversiones/dinero/ [...]…
… [Trackback]…
[...] Read More Infos here: bolsax.com/index.php/inversiones/dinero/ [...]…
… [Trackback]…
[...] Find More Informations here: bolsax.com/index.php/inversiones/dinero/ [...]…
… [Trackback]…
[...] There you can find 74703 additional Informations: bolsax.com/index.php/inversiones/dinero/ [...]…
… [Trackback]…
[...] There you will find 70245 more Infos: bolsax.com/index.php/inversiones/dinero/ [...]…
… [Trackback]…
[...] Read More: bolsax.com/index.php/inversiones/dinero/ [...]…
[...] encompasses market in addition to personal orders in the marketplace. In order to STOCK MARKET BOLSA DE VALORES majorly trades inside stocks. One may wonder what stocks are. These people represent a share of [...]
[...] includes industry along with individual transactions inside a market. To STOCK MARKET BOLSA DE VALORES majorly deals in stocks and shares. One could ponder what shares tend to be. They symbolize a [...]
[...] Comments It includes market along with individual transactions in an industry. For you to STOCK MARKET BOLSA DE VALORES majorly deals in shares. One could question what stocks are. These people signify a reveal of [...]
[...] entails marketplace in addition to person dealings in the marketplace. In order to STOCK MARKET BOLSA DE VALORES majorly trades within stocks. You can wonder what stocks and shares are usually. They will [...]
[...] encompasses marketplace in addition to personal orders in the marketplace. In order to STOCK MARKET BOLSA DE VALORES majorly trades inside stocks. One may wonder what stocks and shares are usually. They will [...]
[...] entails marketplace as well as person dealings inside a market. To STOCK MARKET BOLSA DE VALORES majorly investments within stocks and shares. You can ponder what stocks and shares tend to be. [...]
Sites we Like……
[...] Every once in a while we choose blogs that we read. Listed below are the latest sites that we choose [...]……
Cool sites…
[...]we came across a cool site that you might enjoy. Take a look if you want[...]……