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Recomendaciones para administrar los gastos de fin y principio de año

| Viernes 21 de Diciembre, 2018

 

Llega el tan ansiado mes de diciembre, vacaciones, aguinaldo, dividendos de asociaciones solidaristas, paseos, reuniones de amigos, actividades de Navidad, todo se conjuga para compartir dentro y fuera de la casa y de la emoción gastamos más de la cuenta, lo que nos pone en problemas para cubrir los pagos de rutina.

De acuerdo con expertos financieros, el consumidor debe poner especial atención a los productos que se presentan como oferta con descuentos y facilidades de pago a crédito, ya que por lo general son los que llevan a cometer hábitos de consumo irresponsable e inclusive sobreendeudamiento.

“Gastos como: regalos navideños, nueva decoración navideña, salidas con amigos o familiares a restaurantes, compra de pantallas, artículos de línea blanca, podrían seducirnos, mediante ‘atractivas’ ofertas que nos harán incurrir en gastos extras o adicionales que no teníamos contemplado. Además el ‘gasto hormiga’ se convierte en un consumo silencioso que debemos controlar a tiempo, para no caer en un desequilibrio financiero”, expresó José Pablo Enamorado Rodríguez, Ejecutivo de productos de captación, de Grupo Mutual.

Son muchos los factores que propician el gasto excesivo, por ejemplo:

  • No planificar las compras
  • Comprar por impulso
  • Mezclar el aguinaldo con el salario y no saber cuanto he gastado de cada uno.
  • Falta de planificación en el uso del dinero, teniendo como consecuencia un gasto mayor al ingreso recibido o proyectado.
  • Gastar todo el dinero sin aún haberlo recibido, esto porque si bien es cierto el ingreso es fijo, en el camino podrían presentarse imprevistos que requieren de dinero que ya se hemos consumido.

 

Consejos

Según el sitio entrepreneur.com, es necesario elaborar un presupuesto, el cual tiene que incluir todos los gastos, asimismo, llevar un control de compras para evitar la tentación de caer en las ofertas. Evite al máximo las tarjetas de crédito y utilícelas solo como medio de pago, no de financiamiento.

Finanzaspersonales.com recomienda comparar precios, consejo que nunca está de más; si va a organizar alguna fiesta con amigos o familiares, no asuma todos los gastos, más bien reparta las cosas a llevar.

Banco Nacional sugiere apartar de una vez el dinero del ahorro y usar algún instrumento como fondo de inversión o ahorro programado.

“Cancele primero sus deudas, si no alcanza para la cancelación total, no importa, al menos rebajará significativamente el saldo y esta acción le puede permitir, en algunos casos, renegociar su cuota mensual”, indicó Enamorado.

Entre menos deudas adquiera usted durante el fin de año, la llamada “cuesta de enero” no será tan pesada.

 

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