La importancia de la salud financiera y el bienestar financiero

Consolidar deudas

El dinero y las finanzas están presentes casi en todos los momentos de nuestra vida. Son el medio que hace posible alcanzar muchos de los sueños y metas que nos proponemos. Sin embargo, en ocasiones se vuelven tan personales y privadas, que es difícil saber si nuestras finanzas son o no sanas.

Por esta razón, queremos mostrarte qué es y cómo evaluar el nivel de bienestar financiero que tienes actualmente. Además, qué acciones puedes emprender para mejorarlo sin importar tu nivel de ingreso. Comprender lo que es la salud y el bienestar financiero te permitirá identificar en qué concentrarte y en qué no a la hora de administrar tu dinero.

¿Qué es el bienestar financiero?

El bienestar financiero es la medida en que podemos cumplir con nuestras obligaciones, sentirnos seguros de nuestro futuro financiero y tomar las decisiones que nos permiten disfrutar nuestra vida.

Incluso, ideas como la famosa “libertad financiera” hacen parte del bienestar financiero.

¿Por qué preocuparnos por nuestra salud y bienestar financiero?

Tu bienestar financiero es la condición para asegurar que tus sueños se conviertan en realidad. Sin embargo, para empezar a trabajar en pro de estos sueños, y poner esa salud financiera a tu servicio, te recomendamos empezar por:

  • Definir cuáles son las cosas que te permiten disfrutar de la vida.
  • Cuáles son tus objetivos.

Tener estas dos cosas claras te dará también un indicador claro de progreso. No hay duda de variables como tu nivel de ingreso o tus activos son importantes. Sin embargo, no son suficientes para dar cuenta de su bienestar. La razón para esto es que cada uno valora de manera diferente las cosas que son importantes para su vida y el manejo de tus finanzas debe ser coherente con esta decisión.

¿Cómo aumentar tu bienestar financiero?

Elevar tu bienestar financiero es un trabajo de todos los días. Incluso, puedes aumentarlo trabajando sobre otros aspectos “no financieros” que influyen sobre él como:

  • Tu entorno social
  • Tu personalidad y tus actitudes
  • Los contextos en los que tomas decisiones financieras
  • Las oportunidades que buscas
  • Tus comportamientos en el día a día

Ahora bien, para hacerte cargo de tu bienestar desde lo financiero, será necesario trabajar decisión tras decisión en el día a día. Queremos acompañarte para que logres las condiciones financieras que te permitan vivir de manera tranquila y satisfactoria. Por esto, te recomendamos las siguientes acciones -desde lo financiero- para hacerte cargo de tu bienestar:

  1. Evita el sobre-endeudamiento. Entre más simple sea el manejo de tus finanzas mejor. Asegúrate de tener solo el número de obligaciones que puedes atender. Esto significará más dinero y tiempo para las cosas que son importantes para ti.
  2. Paga siempre a tiempo y evita la mora. La deuda mal planeada puede generar estrés e insatisfacción. Planea siempre tus obligaciones y pagos para evitar preocupaciones en el futuro.
  3. Asegúrate de que sobre dinero al final de mes. Utiliza un presupuesto para garantizar que tus ingresos superen a tus gastos. Esto te dará capacidad de ahorro para trabajar en pro de tus objetivos.
  4. Controla el tamaño de las cuotas de tus créditos. Asegúrate siempre de tener suficiente dinero para cumplir con tus obligaciones.
  5. Construye patrimonio y protege tu liquidez. . Intenta que tus activos sean más grandes que tus deudas. Al mismo tiempo, haz que una parte de tus activos se pueda convertir fácilmente en efectivo. Esto te asegurará un fondo de emergencias para enfrentar cualquier adversidad.
  6. Invierte después de garantizar tu ahorro básico. Proyéctate y visualízate en el futuro. Garantiza un ahorro que te proteja de emergencias al tiempo que creas un fondo para los próximos años. Los excedentes que tengas después de ahorrar, inviértelos para hacer que el dinero trabaje para ti.

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