Esto es lo que debe tener en cuenta para que el dinero le rinda durante esta época del año.
Se aproxima la temporada decembrina en Colombia, por lo tanto, las personas preparan la compra de diferentes artículos para celebrar la Navidad, como por ejemplo, ropa, juguetes, alimentos, bebidas, pagos de viajes, etc.
Ante la llegada de esta época del año, Datacrédito Expirian realizó un estudio sobre cómo tener un mejor control de las finanzas personales para el final del año.
En total son cinco las recomendaciones que hace el organismo para lograr evitar endeudarse para la época de fin de año, la primera habla de tener una buena rutina.
“Es importante hacer una evaluación del estado de las finanzas personales, como mínimo una vez al mes, o cada vez que se vaya a hacer un cambio importante en los gastos fijos, como la adquisición de un nuevo producto financiero o servicio a plazo, de esta manera puede tomar decisiones financieras inteligentes”, señaló Camilo Garay, vicepresidente de consultoría de DataCrédito Expirian.
La segunda recomendación es mantener un buen flujo de caja, es decir, realizar una comparación entre los ingresos y los egresos, esto con el fin de determinar si gasta más de lo que gana, en caso de ser así, la firma recomienda buscar un nuevo ingreso o reducir gastos
El tercer lograr mantener ahorros. “Si al realizar su comparativo de gastos se da cuenta que tiene un saldo a favor considere la opción de empezar o incrementar su porcentaje de ahorro, que mejor momento para empezar a ahorrar que un nuevo año”, señaló el experto en finanzas personales.
El cuarto es diversificar las entradas de dinero, si cumple los anteriores y tiene un dinero para invertir hágalo, sin embargo, evalúe las diferentes oportunidades que puedan traerle dividendos a mediano y largo plazo ya que traen consigo cierto nivel de riesgo
El quinto punto es no exceder la capacidad que se tiene para responder con las deudas, según el Fondo Monetario Internacional (FMI), lo ideal es no adquirir obligaciones que superen el 30% de los ingresos totales, ya que cualquier variación en dichos ingresos podría afectar el estado de sus finanzas personales.
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