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Manejo inteligente del aguinaldo permitirá estabilidad financiera en el 2020
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Actualidad


Manejo inteligente del aguinaldo permitirá estabilidad financiera en el 2020

| Jueves 5 de Diciembre, 2019

Esta semana comienza el pago de los aguinaldos, con lo que prácticamente arranca la época de compras en los hogares. Además del pago del décimo tercer mes, es importante tomar en cuenta el pago de los dividendos de las asociaciones solidaristas y cooperativas de ahorro.

Hay trabajadores independientes que no reciben aguinaldo, pero que en esta época tienen ingresos extraordinarios por un aumento de sus ventas o servicios. Es decir, en forma indirecta también contarán con un ingreso extraordinario que deben cuidar.

Si bien el consumo es importante para reactivar la economía costarricense, también es cierto que es necesario manejar inteligentemente el aguinaldo para mejorar la estabilidad financiera con miras al próximo año.

Los expertos recomiendan, entre otras cosas, ahorrar un porcentaje importante -alrededor de un 20%- para iniciar el ahorro en un proyecto de largo plazo. El resto debe dedicarse a pagar préstamos, en especial los de mayor tasa de interés, o como medio para readecuar sus deudas.

Con el fin de facilitar el ahorro, es aconsejable mantener el nivel de gastos y cubrirlos con el salario del mes. Solo así, conservará dinero para utilizar a inicios del próximo año.

 

Consejos financieros

  • Cancele deudas o póngalas al día si tiene algún atraso, en especial las de consumo que tienen el interés.
  • Utilice el aguinaldo como reserva. Los expertos recomiendan tener al menos un mes de salario ahorrado para atender imprevistos y emergencias.
  • Haga un presupuesto para hacer sus compras navideñas. Trate de manejar el ingreso fijo del mes y el aguinaldo de forma separada, con el fin de evitar excederse en sus gastos.
  • Maneje el ahorro programado para los pagos de fin de año. Si no tiene aguinaldo y sabe que debe hacer gastos puntuales en diciembre, como el marchamo de su vehículo, planillas o impuestos, es mejor que ahorre mes a mes. Y si recibe aguinaldo, puede utilizar ese dinero para un priyecto personal. “Es importante utilizar los productos de ahorro e inversión adecuados, utilizando los sistemas de deducción automática, para que el ahorro sea mensual, quincenal y semanal”, explicó Sheila Villalobos, directora de Captación del Banco Nacional.

Fuente: Banco Nacional

 

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