Carpe Diem

November 4, 2006

7 Consejos para las finanzas personales

Filed under: Economia / Economy — alojeda81 @ 3:46 am
  1. Pay yourself first. Try to put away at least 10% of your pre-tax income into a savings account. Ahorre para Ud primero. Trate de separar por lo menos el 10% de sus ingresos en una cuenta de ahorros
  2. Spend less than you earn. While this seems obvious, People are notorious for doing just the opposite. Stop spending and start saving. Gaste menos de lo que gana. Esto parece obvio, pero es notorio como hacemos lo contrario, paremos de gastar y empecemos a ahorrar . mas detalle haga click en more …
  3. Pay your bills on time. Avoid needless late fees and know how much money you actually have. Pague sus deudas antes de la fecha de vencimiento. Evite retrazos innecesarios y sepa cuanto dinero tiene realmente
  4. Avoid debt to the extent possible. Student loans and mortgages can be “good debt”, but even then, make paying them off a priority. Evite deudas con mucho plazo de pago
  5. Set a budget. And live by it. Use a computer program or just a paper and pencil. Whatever works. Programe y lleve control de sus deudas. Use un progama como Excel o simplemente papel y lapiz , lo que sea funciona
  6. Set concrete goals. Know when you want to buy a new home, when you want to retire, and how much you are expecting each to cost you. Pongase objetivos concretos. Sepa cuando va a comprar una nueva casa, cuando se va a retirar y cuanto le va a costar cada cosa
  7. Have an emergency fund. Have at least three months’ income (some say six) in a high-yield savings account that can be easily accessed. Tenga un fondo de emergencia. Tenga por lo menos tres meses de ingresos, algunos dicen seis, en una cuenta de ahorros que pueda disponer facilmente

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