Mis Finanzas
Alberto Tovar
En ocasiones, quisiéramos que nos dieran la fórmula para resolver dudas sobre la administración del dinero al estar inmersos en algún problema o pensar que podríamos mejorar las decisiones financieras en términos de rentabilidad o previsión.
Si bien es posible encontrar claves a través de un asesor, libro, página de internet o columna de opinión, poner en marcha la solución requiere cuatro etapas.
El primer reto es elaborar un ‘excelente’ diagnóstico, aunque tardemos en llevarlo a cabo. Hago énfasis en este aspecto, porque regularmente deseamos respuestas ‘exprés’ y una estrategia efectiva está ligada a una buena evaluación que nos dirá cuál es la dirección a seguir y la magnitud del cambio.
Ya sea que se trate de un tema de ahorro, endeudamiento o rentabilidad de inversiones, es fundamental analizar todas las opciones viables y ver cuál se acopla más a nuestras capacidades y percepción de riesgo.
Un principio del coaching de vida o de una consultoría es un concepto llamado CAR, que es el acrónimo de Compromiso, Acción y Resultados. Ahí están las siguientes tres etapas.
Habiendo decidido, es imprescindible comprometernos con nosotros mismos para aplicarlo, según lo establecido. En ese momento, es básico imponer tiempos de ejecución y de terminación de la meta.
Es como cuando vas con el doctor. Hay un acuerdo implícito de que tomarás las medicinas y seguirás las instrucciones de alimentación o ejercicio; de otra manera, no te aliviarás. En el ámbito financiero sucede igual; de nada sirve encontrar la respuesta, si evitamos el compromiso.
Continuando con la analogía médica, además de los medicamentos están las dosis y los tiempos para la implementación. La ‘acción’, tercer elemento, es permanente y debemos evaluarla en forma periódica para cotejar que vamos en el sentido de los objetivos planteados, del modo más específico posible.
Toma en cuenta que el esfuerzo depende de ti y en poner manos a la obra. El resultado está influido también por las circunstancias y las condiciones de la economía general. Por eso es importante medir constantemente; permite cambiar de rumbo, si es necesario.
Llega el cuarto elemento que son los resultados. Es conveniente valorar si se obtuvo lo deseado, en dónde hubo fallos y aciertos, con el fin de fijar nuevos compromisos.
Comparte tus experiencias de tus resoluciones financieras en Instagram: @atovar.castro
Twitter: @albertotovar
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