Mis Finanzas / Alberto Tovar
Así como hay reglas básicas para mantener la salud física y los doctores hablan de prevención, también es factible hacer lo mismo para la salud de las finanzas personales. Reflexiona sobre estos 7 aspectos elementales.
1.- Vigilar el valor neto: Si los activos, sean cuentas de inversiones o propiedades, no alcanzan a superar a los pasivos, que son los compromisos de pago futuro, se está en una quiebra técnica. Dependiendo de la gravedad, implica hacer una reestructuración para poner en orden las finanzas y evitar una catástrofe.
2.- Flujo de efectivo sano: Aun cuando se tenga un valor neto positivo e incluso alto, puede existir una problemática para enfrentar el requerimiento diario; es decir, determinar si el ingreso es suficiente para cumplir lo cotidiano. El reto es saber hacia dónde se dirige el dinero y lo mejor es trabajar sobre un registro de gastos para corregir con un presupuesto.
3.- Ahorro como régimen de dieta: Restringir las erogaciones es uno de los grandes dilemas y sin embargo es la medicina adecuada para mantener una buena salud financiera. La proporción deberá fijarse bajo las circunstancias de cada familia; bien podría ser del 50 por ciento o el 5 por ciento, en función de las posibilidades.
4.- Alejarse del endeudamiento excesivo: Se convierte en una bola de nieve, pues es usual recurrir a más crédito para sufragar los pagos mensuales. La primera sugerencia es liquidar por completo las tarjetas cada mes y, si es imposible, pagar por encima del mínimo e ir bajando el saldo en forma consistente.
5.- Prevenir antes que lamentar: La pregunta es obvia, ¿qué tan preparado estás para una contingencia? Se trata de tener una cobertura de un fondo que permita cubrir desbalances por imprevistos, además de valorar los seguros, como son el de vida, gastos médicos mayores, autos y escolares.
6.- Acrecentar el patrimonio: Ya solventados los compromisos cotidianos y con una meta de ahorro, es necesario establecer objetivos patrimoniales para lograr aspiraciones, tales como comprar una casa, proporcionar educación universitaria a los hijos o vivir un vejez digna, entre muchas otras cosas. Para ello, es imprescindible dirigir el recurso hacia alternativas de inversión con una rentabilidad por encima de la inflación, corriendo los riesgos que cada opción significa.
7.- Pensar en la abundancia: Las finanzas personales son más que sólo guardar dinero y dejar de gastar; la idea es disfrutar lo obtenido con responsabilidad de largo plazo.
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Gran artículo sobre los 7 pasos para alcanzar la salud financiera! ¿Podría proporcionar más detalles sobre el tercer paso?