háBITOS DE AHORRO PARA ESTE 2023

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[{"selector":"#anim-ab70cda0-4bc6-4310-9a18-172aca00c319","keyframes":{"opacity":[0,1]},"delay":0,"duration":600,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-56951766-f103-4b40-8794-ecf85efd5f1b","keyframes":{"transform":["rotate(20deg) translate3d(0px, -80.42771%, 0) rotate(-20deg)","rotate(20deg) translate3d(0px, 0px, 0) rotate(-20deg)"]},"delay":0,"duration":600,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-d40aabff-fe49-4d00-b04f-5672b4a33fe9","keyframes":{"opacity":[0,1]},"delay":0,"duration":600,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-6e24ec53-a9df-40f2-ae49-414e41bd7e63","keyframes":{"transform":["rotate(-119deg) translate3d(0px, -61.88097%, 0) rotate(119deg)","rotate(-119deg) translate3d(0px, 0px, 0) rotate(119deg)"]},"delay":0,"duration":600,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-b4b5cff1-8cd6-4a77-9419-1f910dd7f3c4","keyframes":{"opacity":[0,1]},"delay":0,"duration":800,"easing":"cubic-bezier(.3,0,.55,1)","fill":"both"}] [{"selector":"#anim-eab3a3b0-7c38-40dc-b54e-460e35f9cc5c","keyframes":{"transform":["scale(0.3333333333333333)","scale(1)"]},"delay":0,"duration":800,"easing":"cubic-bezier(.3,0,.55,1)","fill":"forwards"}] [{"selector":"#anim-49be8b92-4d93-4cf7-858e-902cb7a68e92","keyframes":{"opacity":[0,1]},"delay":400,"duration":600,"easing":"cubic-bezier(0.4, 0.4, 0.0, 1)","fill":"both"}] De cara al nuevo año, es importante identificar las metas que se quieren alcanzar y para las cuales se deben destinar más recursos. Acá te damos recomendaciones para que te organices: Imagen: Mathieu Stern

[{"selector":"#anim-c1c68e28-151b-4408-afe2-83a6b063a5c1","keyframes":{"opacity":[0,1]},"delay":0,"duration":600,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-7a7704bc-4a74-43f8-be7c-9a89213831bf","keyframes":{"transform":["rotate(20deg) translate3d(0px, -80.42771%, 0) rotate(-20deg)","rotate(20deg) translate3d(0px, 0px, 0) rotate(-20deg)"]},"delay":0,"duration":600,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-d521c3c1-89d9-41d1-b337-4258593c51e8","keyframes":{"opacity":[0,1]},"delay":0,"duration":600,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-33df171a-cbf6-4d44-a1b7-6ca465ca5a87","keyframes":{"transform":["rotate(-119deg) translate3d(0px, -61.88097%, 0) rotate(119deg)","rotate(-119deg) translate3d(0px, 0px, 0) rotate(119deg)"]},"delay":0,"duration":600,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-d00f4671-a2e4-4884-b52b-8a64704ae9af","keyframes":{"opacity":[0,1]},"delay":0,"duration":800,"easing":"cubic-bezier(.3,0,.55,1)","fill":"both"}] [{"selector":"#anim-8aaa5973-afd8-46ed-b946-b4d944dac032","keyframes":{"transform":["scale(0.3333333333333333)","scale(1)"]},"delay":0,"duration":800,"easing":"cubic-bezier(.3,0,.55,1)","fill":"forwards"}] [{"selector":"#anim-64c5afec-2887-46bf-a54c-49361397cc74","keyframes":{"opacity":[0,1]},"delay":400,"duration":600,"easing":"cubic-bezier(0.4, 0.4, 0.0, 1)","fill":"both"}] Presupuesto: Elaborar un presupuesto es la clave para tener una visión clara de los ingresos y gastos, para poder tomar decisiones oportunas y optimizar nuestro capital. Imagen: Firmbee.com

[{"selector":"#anim-ed93a17c-02d8-443a-86fe-a212ce181ad0","keyframes":{"opacity":[0,1]},"delay":0,"duration":600,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-8e40475f-b5d1-489a-8b39-2b99c69b4ff3","keyframes":{"transform":["rotate(20deg) translate3d(0px, -80.42771%, 0) rotate(-20deg)","rotate(20deg) translate3d(0px, 0px, 0) rotate(-20deg)"]},"delay":0,"duration":600,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-a2ae194d-884d-476d-b6ff-5b35dcc2ef2c","keyframes":{"opacity":[0,1]},"delay":0,"duration":600,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-5dff5415-370d-48a1-a1c0-daa4fb4e1b30","keyframes":{"transform":["rotate(-119deg) translate3d(0px, -61.88097%, 0) rotate(119deg)","rotate(-119deg) translate3d(0px, 0px, 0) rotate(119deg)"]},"delay":0,"duration":600,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-40f1e2c3-e263-4f9d-8207-976d1a3c8c47","keyframes":{"opacity":[0,1]},"delay":0,"duration":800,"easing":"cubic-bezier(.3,0,.55,1)","fill":"both"}] [{"selector":"#anim-e832a6b7-5f45-4199-99ce-368203a80494","keyframes":{"transform":["scale(0.3333333333333333)","scale(1)"]},"delay":0,"duration":800,"easing":"cubic-bezier(.3,0,.55,1)","fill":"forwards"}] [{"selector":"#anim-980b4c0c-f458-4898-a9ac-d20c1d320af6","keyframes":{"opacity":[0,1]},"delay":400,"duration":600,"easing":"cubic-bezier(0.4, 0.4, 0.0, 1)","fill":"both"}] Identifica oportunidades: Examina rubro por rubro. Esto con el fin de hallar oportunidades de mejora, reduciendo el consumo de servicios o actividades que son prescindibles para aumentar tu capacidad de ahorro. Imagen: Hope House Pres

[{"selector":"#anim-c299d332-939a-4624-8095-98bde9c016bd","keyframes":{"opacity":[0,1]},"delay":0,"duration":600,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-f0c00611-1ec4-4482-9e52-65ce87506e39","keyframes":{"transform":["rotate(20deg) translate3d(0px, -80.42771%, 0) rotate(-20deg)","rotate(20deg) translate3d(0px, 0px, 0) rotate(-20deg)"]},"delay":0,"duration":600,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-db185a39-32ed-40ec-bc80-d6c94373226e","keyframes":{"opacity":[0,1]},"delay":0,"duration":600,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-069891b1-c2e3-476c-a0d0-771666bdfcf2","keyframes":{"transform":["rotate(-119deg) translate3d(0px, -61.88097%, 0) rotate(119deg)","rotate(-119deg) translate3d(0px, 0px, 0) rotate(119deg)"]},"delay":0,"duration":600,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-0d6dd59a-7386-4928-b901-9199f48144db","keyframes":{"opacity":[0,1]},"delay":0,"duration":800,"easing":"cubic-bezier(.3,0,.55,1)","fill":"both"}] [{"selector":"#anim-233e1de6-1f15-4d82-a118-40b72f960018","keyframes":{"transform":["scale(0.3333333333333333)","scale(1)"]},"delay":0,"duration":800,"easing":"cubic-bezier(.3,0,.55,1)","fill":"forwards"}] [{"selector":"#anim-1ab998ba-1d95-4f05-9a40-485464054c59","keyframes":{"opacity":[0,1]},"delay":400,"duration":600,"easing":"cubic-bezier(0.4, 0.4, 0.0, 1)","fill":"both"}] Establece metas financieras: Determina cuáles son tus objetivos financieros en el corto (6 meses), mediano (2 años) y largo plazo (10 años o más). Dar sentido al ahorro te ayudará a motivarte. Imagen: Fabian Blank

[{"selector":"#anim-07517523-1afa-432e-949a-8135758a61cd","keyframes":{"opacity":[0,1]},"delay":0,"duration":600,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-6731444c-9af0-4f0d-8b87-15e36a737ef1","keyframes":{"transform":["rotate(20deg) translate3d(0px, -80.42771%, 0) rotate(-20deg)","rotate(20deg) translate3d(0px, 0px, 0) rotate(-20deg)"]},"delay":0,"duration":600,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-56e46fe6-095f-470d-9363-f064577f46d0","keyframes":{"opacity":[0,1]},"delay":0,"duration":600,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-7de13709-0323-447d-831d-f0f429d8fc2e","keyframes":{"transform":["rotate(-119deg) translate3d(0px, -61.88097%, 0) rotate(119deg)","rotate(-119deg) translate3d(0px, 0px, 0) rotate(119deg)"]},"delay":0,"duration":600,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-589b0835-b7ab-47cc-93ec-bf195868e58e","keyframes":{"opacity":[0,1]},"delay":0,"duration":800,"easing":"cubic-bezier(.3,0,.55,1)","fill":"both"}] [{"selector":"#anim-18e0a021-227d-40d7-bdde-80c7d4765030","keyframes":{"transform":["scale(0.3333333333333333)","scale(1)"]},"delay":0,"duration":800,"easing":"cubic-bezier(.3,0,.55,1)","fill":"forwards"}] [{"selector":"#anim-0f0b9c36-b359-485b-9a30-22d631b17144","keyframes":{"opacity":[0,1]},"delay":400,"duration":600,"easing":"cubic-bezier(0.4, 0.4, 0.0, 1)","fill":"both"}] Define un monto para tu ahorro: Primero ahorro y después gasto, no al revés. Es fundamental priorizar el ahorro, de esta forma, evitarás caer en el error de guardar solo el dinero que te queda a fin de mes. Imagen: Towfiqu barbhuiya

[{"selector":"#anim-5aaa5581-169a-41d4-bb5b-da39ced2bb4a","keyframes":{"opacity":[0,1]},"delay":0,"duration":600,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-89aa1792-52f9-4efe-a30c-9fdb8bcfc5eb","keyframes":{"transform":["rotate(20deg) translate3d(0px, -80.42771%, 0) rotate(-20deg)","rotate(20deg) translate3d(0px, 0px, 0) rotate(-20deg)"]},"delay":0,"duration":600,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-752b7b12-bb4e-4ce5-9ae1-87920e9f1e05","keyframes":{"opacity":[0,1]},"delay":0,"duration":600,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-e282b461-4c57-44eb-9850-77c9042e74bf","keyframes":{"transform":["rotate(-119deg) translate3d(0px, -61.88097%, 0) rotate(119deg)","rotate(-119deg) translate3d(0px, 0px, 0) rotate(119deg)"]},"delay":0,"duration":600,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-2a0a774f-02df-4160-a9ee-a9a3aa51dfe6","keyframes":{"opacity":[0,1]},"delay":0,"duration":800,"easing":"cubic-bezier(.3,0,.55,1)","fill":"both"}] [{"selector":"#anim-6ae24f95-6377-4255-841f-f8ae803b3cfd","keyframes":{"transform":["scale(0.3333333333333333)","scale(1)"]},"delay":0,"duration":800,"easing":"cubic-bezier(.3,0,.55,1)","fill":"forwards"}] [{"selector":"#anim-348213f5-f26a-448d-a80d-61df7fd26bb1","keyframes":{"opacity":[0,1]},"delay":400,"duration":600,"easing":"cubic-bezier(0.4, 0.4, 0.0, 1)","fill":"both"}] Destinar un monto fijo, quincenal o mensual a tu plan de ahorro, te ayudará a alcanzar las metas propuestas. Imagen: Towfiqu barbhuiya

[{"selector":"#anim-fdeaf7b8-adbd-4047-83c9-bd8f9ed2525f","keyframes":{"opacity":[0,1]},"delay":0,"duration":600,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-422b4fb7-f923-4c7a-9bb0-0bfe0793979f","keyframes":{"transform":["rotate(20deg) translate3d(0px, -80.42771%, 0) rotate(-20deg)","rotate(20deg) translate3d(0px, 0px, 0) rotate(-20deg)"]},"delay":0,"duration":600,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-fda37add-0bdc-45ec-adb5-69aab984f5b0","keyframes":{"opacity":[0,1]},"delay":0,"duration":600,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-f366da7b-4cf5-4efb-8d9d-5170e0a332e5","keyframes":{"transform":["rotate(-119deg) translate3d(0px, -61.88097%, 0) rotate(119deg)","rotate(-119deg) translate3d(0px, 0px, 0) rotate(119deg)"]},"delay":0,"duration":600,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-f7021a97-0e06-4a08-83fb-f57aefcea9fe","keyframes":{"opacity":[0,1]},"delay":0,"duration":800,"easing":"cubic-bezier(.3,0,.55,1)","fill":"both"}] [{"selector":"#anim-519f10f7-60b2-4a7a-8ace-cd8a585b3cb6","keyframes":{"transform":["scale(0.3333333333333333)","scale(1)"]},"delay":0,"duration":800,"easing":"cubic-bezier(.3,0,.55,1)","fill":"forwards"}] [{"selector":"#anim-c5a55fdd-2ec6-4463-bab6-1172ce17d65a","keyframes":{"opacity":[0,1]},"delay":400,"duration":600,"easing":"cubic-bezier(0.4, 0.4, 0.0, 1)","fill":"both"}] Cuidado con los gastos hormiga: son casi imperceptibles por tratarse de cantidades pequeñas. Sin embargo, cuando se acumulan pueden representar una suma considerable que impacta tu presupuesto. Imagen: Breakslow

[{"selector":"#anim-f8d6e5dd-1cf2-438c-8e32-2c0d5dbf956f","keyframes":{"opacity":[0,1]},"delay":0,"duration":4000,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-6e285c5d-c002-4b51-963e-2b5abe6be777","keyframes":{"transform":["translate3d(-66.78446%, 0px, 0)","translate3d(0px, 0px, 0)"]},"delay":0,"duration":4000,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-abdd3c26-f7c5-48d7-81a5-d3bace4efb04","keyframes":{"opacity":[0,1]},"delay":0,"duration":4000,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-4e00aa67-8be5-458f-8951-ac50cdfe8ef2","keyframes":{"transform":["translate3d(80.27523%, 0px, 0)","translate3d(0px, 0px, 0)"]},"delay":0,"duration":4000,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-a2199c3e-9eb4-4d19-9cec-e6afbde0e221","keyframes":{"opacity":[0,1]},"delay":500,"duration":1000,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-e22db7e1-e008-40dd-a2d5-b7ac0387c2c2","keyframes":{"transform":["translate3d(-142.39131%, 0px, 0)","translate3d(0px, 0px, 0)"]},"delay":500,"duration":1000,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-21ef3d2a-7221-4784-b803-98b8379976b6","keyframes":{"opacity":[0,1]},"delay":0,"duration":600,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-ff0307b0-5318-4a3f-8b4d-9566dda4780f","keyframes":{"transform":["translate3d(137.65181%, 0px, 0)","translate3d(0px, 0px, 0)"]},"delay":0,"duration":600,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-3fb943a6-c7ff-4490-a750-33b8d9ecbcd2","keyframes":{"opacity":[0,1]},"delay":0,"duration":600,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-4815b58c-5c6c-486d-8165-62140d3d6ba9","keyframes":{"transform":["translate3d(298.07691%, 0px, 0)","translate3d(0px, 0px, 0)"]},"delay":0,"duration":600,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-755e400b-93b7-45cd-b5d8-7a3fe678ebab","keyframes":{"transform":["translate3d(-111.11111%, 0px, 0)","translate3d(0px, 0px, 0)"]},"delay":0,"duration":600,"easing":"cubic-bezier(0.4, 0.4, 0.0, 1)","fill":"both"}] [{"selector":"#anim-284351d2-711f-4cfa-afd6-595a2a4c757b","keyframes":{"opacity":[0,1]},"delay":0,"duration":600,"easing":"cubic-bezier(0.4, 0.4, 0.0, 1)","fill":"both"}] [{"selector":"#anim-90ce7edb-a561-492f-89c0-d21257187610","keyframes":{"transform":["scale(0.15)","scale(1)"]},"delay":0,"duration":600,"easing":"cubic-bezier(0.4, 0.4, 0.0, 1)","fill":"forwards"}] [{"selector":"#anim-a0fba6c3-bc73-4101-9713-9e821e7bae7f","keyframes":{"transform":["translate3d(-111.6279%, 0px, 0)","translate3d(0px, 0px, 0)"]},"delay":0,"duration":600,"easing":"cubic-bezier(0.4, 0.4, 0.0, 1)","fill":"both"}] [{"selector":"#anim-23523058-48ae-4483-87a1-aa817b21ad82","keyframes":{"opacity":[0,1]},"delay":0,"duration":600,"easing":"cubic-bezier(0.4, 0.4, 0.0, 1)","fill":"both"}] [{"selector":"#anim-f234d0f5-6c4f-4177-b045-86ef8fb78066","keyframes":{"transform":["scale(0.15)","scale(1)"]},"delay":0,"duration":600,"easing":"cubic-bezier(0.4, 0.4, 0.0, 1)","fill":"forwards"}] [{"selector":"#anim-59b31e0d-95ab-4ec0-8a43-ca20659ff20a","keyframes":{"transform":["translate3d(-111.11111%, 0px, 0)","translate3d(0px, 0px, 0)"]},"delay":0,"duration":600,"easing":"cubic-bezier(0.4, 0.4, 0.0, 1)","fill":"both"}] [{"selector":"#anim-2f3b8099-4de9-4c3a-a332-4660bd51e5d5","keyframes":{"opacity":[0,1]},"delay":0,"duration":600,"easing":"cubic-bezier(0.4, 0.4, 0.0, 1)","fill":"both"}] [{"selector":"#anim-59b6394d-3953-4354-a858-4d6d956b5882","keyframes":{"transform":["scale(0.15)","scale(1)"]},"delay":0,"duration":600,"easing":"cubic-bezier(0.4, 0.4, 0.0, 1)","fill":"forwards"}] Lined Circle Cosas que me gustaría decirle a mi “YO” del pasado mira más Hábitos tóxicos que debes soltar Los 5 lenguajes del amor