Ahorro y presupuesto

La importancia de un presupuesto

abril 30, 2023

Antes de embarcarte en tu camino financiero, es fundamental que sepas dónde te encuentras. Mantener un seguimiento de nuestro dinero es esencial cuando se trata de construir riqueza. Si no sabemos cuánto ganamos en comparación con cuánto gastamos, no podemos determinar cuánto dinero tenemos para invertir. El presupuesto no es la parte más atractiva de las finanzas personales, pero es una herramienta esencial para alcanzar nuestras metas financieras. No podemos adentrarnos en la inversión si no sabemos cuán saludables estamos financieramente. Mantener un presupuesto no es fácil ni divertido, pero los beneficios superan los aspectos negativos. Entonces, ¿cuáles es la importancia de un presupuesto?

Te permite construir un fondo de emergencia

La vida es impredecible y debemos tener dinero ahorrado para lo inesperado. Cuando ocurre una emergencia, lo último que queremos es preocuparnos por el dinero. Se recomienda tener de 3 a 6 meses de gastos de subsistencia en nuestro fondo de emergencia. Para determinar tus gastos mensuales de subsistencia, deberás mantener un presupuesto durante varios meses para hacer un seguimiento de tus gastos. Una vez que conozcas tus gastos mensuales, deberás trabajar para ahorrar y construir tu fondo de emergencia.

Personalmente, tener un fondo de emergencia me brinda tranquilidad. Sabiendo que podré manejar fácilmente mis gastos si surge algo que requiera que tome tiempo libre en el trabajo. Lo último en lo que deberías preocuparte cuando ocurre algo en la vida es el dinero. Tu fondo de emergencia debe guardarse en un lugar donde tu dinero sea líquido, preferiblemente en una cuenta de ahorros de fácil acceso. Una vez que tengas un fondo de emergencia lo suficientemente grande, podrás comenzar a invertir cualquier dinero adicional que ahorres.

Te ayuda a conocer tu situación y planificar tu futuro

¿Conoces tu patrimonio neto y cuán saludable estás financieramente en este momento? Nuestro patrimonio neto se calcula tomando todos nuestros activos y restando nuestras deudas. Como graduados de primera generacion, es tentador querer cuidar de aquellos que nos ayudaron a llegar a donde estamos. Pero para hacerlo con éxito, debemos asegurarnos de evaluar nuestra propia salud financiera primero. Establecer tu salud financiera te permite ayudar más fácilmente a los demás en el futuro y tomar decisiones financieras más inteligentes.

Te brinda control sobre tu dinero

¿Vives de sueldo en sueldo? ¿Tu dinero te controla a ti o tú controlas tu dinero? Estas son preguntas que puedes responder al crear tu presupuesto. A veces, a medida que ganamos más dinero, se vuelve más difícil realizar un seguimiento de en qué gastamos, más difícil que cuando necesitamos dinero, lo que nos lleva a gastar innecesariamente y ahorrar menos.

Crear un presupuesto requiere clasificar tus gastos mensuales, lo que te ayuda a ser más consciente de tus hábitos de gasto. Cuando no hacemos un seguimiento de nuestros gastos, es más fácil gastar sin pensar y no darnos cuenta de que podemos estar gastando en cosas que no usamos o que no son importantes para nosotros. Por ejemplo, suscripciones que obtenemos, no usamos y nunca cancelamos. Si quieres tener control sobre tu dinero, necesitas comprender tus hábitos de gasto y saber cómo ajustarlos para construir riqueza.

Úsalo como una herramienta para lograr tus metas

El presupuesto no es fácil ni divertido, pero es una herramienta esencial que podemos utilizar para alcanzar nuestras metas. Esta es probablemente la parte más importante del presupuesto. Si todavía te resulta difícil entender por qué deberías dedicar tiempo a hacer un presupuesto, comienza por pensar en tus metas a largo plazo. Tal vez quieras tomar unas vacaciones, comprar una casa, un automóvil o planificar una celebración, todas estas metas requieren ahorrar. Incluye la cantidad necesaria para lograr tu objetivo en tu presupuesto, calcula tus ahorros mensuales y determina cuánto tiempo te llevará alcanzar tu meta. Cuando plasmas un plan claro, es mucho más probable que lo sigas.

Espero que este blog te motive a intentar hacer un presupuesto. Confía en mí, se convertirá en una de las herramientas más valiosas en tu arsenal financiero. Mantente atento a mi próximo blog, donde brindaré orientación sobre cómo elegir las herramientas adecuadas para el presupuesto. Si deseas comenzar a presupuestar, ¡suscríbete a nuestro newsletter para recibir 3 plantillas de presupuesto diferentes!

Recuerda, tomar el control de tus finanzas hoy te llevará a un futuro más brillante y seguro.

47 Comentarios

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