Es imperativo reflexionar y decidir sobre el manejo racional de la prima de servicio de 15 días en trabajadores activos y la mesada de 30 días para pensionados. No se trata de dinero de bolsillo, ni una amplificación de consumo y mucho menos un flujo mensual y/o dinero extra que se debe gastar.
Todo lo contrario, requiere un manejo que tenga en cuenta el contexto económico actual del país: la inflación acumulada del 6,41% genera una pérdida de poder adquisitivo de $78.347 en la prima que se recibe con un salario mínimo de $1.300.606. Hablamos de, prácticamente, dos días de salario para un trabajador.
La administración exige establecer prioridades en el consumo, reprogramar las actividades de recreación y evitar los gastos hormigas que nunca se presupuestan, como regalos imprevistos, almuerzos y cenas de trabajo. Es responsabilidad de cada persona y de las parejas hacer uso de la planeación financiera para que la prima de servicio y/o mesada sea una fuente de financiación que garantice sostenibilidad personal y familiar.
Evite comprometer de manera anticipada la prima y la mesada, como generalmente sucede. Hay casos excepcionales como el pago de cuotas hipotecarias, tarjetas de créditos, matrículas educativas, préstamos de vehículos y compra de electrodomésticos. Lo recomendable es diseñar rutas financieras para los ingresos y gastos. ¿La mejor estrategia? Elabore un presupuesto.
Un buen destino de la prima o la mesada son los abonos a capital de los créditos. Así dispondrá de un mejor cupo para el futuro. Además, posea dos tipos de tarjetas con fechas de pago 15 y 30 de cada mes para no acumular, pero cuidado: no las utilice a pocos días de los cortes. Si gasta en consumo, como compras ropa y equipos, no se exceda en las cuotas: al diferirlas, tenga en cuenta sus ingresos mensuales.
A mitad de año es común realizar viajes financiados con la prima de servicio y mesada. Si lo hace, presupueste todo lo que implica: restaurantes, hoteles, transporte interno y/o de aeropuerto.
¡Mucho cuidado con las tarjetas y los créditos rotativos! Si no se planifica, compromete su estabilidad emocional, familiar, sostenibilidad y puede caer en ansiedad.
Si después de hacer el presupuesto quedan excedentes, ahorre para una situación difícil que se presente: sacrifíquese en el presente para disfrutar en el futuro. No obstante, si decide invertir, contemple opciones que garanticen rentabilidad, disponibilidad y menos riesgos. Antes de dar el paso, consulte con expertos de su confianza las variables: edad, tiempo de la inversión, nivel de ingresos, seguridad, inflación, tasas de interés, perspectivas de la economía y la política tributaria.
La coyuntura actual económica, política y social muestra el efecto de la inflación en los precios y el deterioro de la prima de servicio y la mesada pensional, resultado de una inflación acumulada al 15 de junio del 6,41%.
Con tasas de interés altas, se puede aprovechar para cancelar cualquier tipo de crédito. Evite en estos momentos utilizar las tarjetas de créditos, por sus altos costos financieros.
No olvide que el tipo de cambio está revaluando nuestra moneda de manera temporal en el 4,07% (600 pesos).
En cuanto al gasto y ahorro, estructure sus gastos acordes con los estudios de los hogares del DANE, que muestran que en la región Caribe el 26 % de los ingresos de un hogar se destinan a vivienda y servicios, 30,9 % a la alimentación, 20 % a educación, 15 % a transporte, otro 15 % a recreación y otros, y 7,6 % al pago de deudas. Para ahorro e inversión, generalmente 0 con tendencia al 0,5%.
El panorama económico tampoco es claro. Algunos indicadores como la inflación, el tipo de cambio y las tasas de interés dependen de las decisiones del legislativo por las reformas en estudio (salud, pensional y laboral). Las decisiones del Congreso tienen impacto fiscal por los costos que significa implementarlas y los efectos para las empresas privadas y públicas.
Ahorrar e invertir es muy difícil en estos momentos, por lo que se deben tomar decisiones para el manejo de la prima de servicio y la mesada pensional dentro del criterio de la austeridad en el gasto. Tenga presente que algunos rubros del presupuesto familiar no se pueden afectar, como vivienda, alimentación y educación (absorben el 76.6%). Finalmente, si tiene un crédito gota a gota no dude: proceda a cancelar la deuda.
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