Ahorrar es anticiparse a guardar dinero o a cuidarlo en el presente, para gastarlo o invertirlo en el futuro. Qué mejor que implementar hábitos financieros desde la infancia de tus hijos, construyendo sueños y metas juntos.
Sin importar si se gana mucho o poco, ahorrar es un hábito que permite alcanzar metas y formar un patrimonio de una manera inteligente. Que el gasto sea moderado, así como tener disciplina, orden y constancia, es lo que facilita la costumbre del ahorro. Al hacerlo tienes la tranquilidad de que puedes cumplir tus sueños o afrontar emergencias y gastos inesperados.
Ahorrar en familia es una buena idea, y si todos aportan desde sus posibilidades (salario, emprendimiento o mesada), seguramente sus frutos serán más dulces al momento de necesitar el dinero o destinarlo a actividades recreativas o inversiones dentro del hogar que les beneficie a todos.
Piensa en un concepto clave: la salud financiera. Es decir, que tus ingresos no sean mayores que tus gastos. Empieza por lo básico: suma cuánto dinero recibes mensualmente y evita gastar más allá de eso.
Hacer un presupuesto de ingresos y egresos te ayudará a identificar en dónde y en qué estás gastando el dinero. Fija en este presupuesto el ahorro como un gasto, para que siempre lo tengas presente.
Conoce los 12 tips para ahorrar en familia que Seypre tiene para ti:
Los beneficios se ven a corto plazo, por eso te damos 12 tips para el ahorro en familia que te permitirán capitalizar dinero y recursos:
- Enseña a ahorrar a tus hijos, dejando a la vista una alcancía en la que todos depositen monedas.
- Dividir el presupuesto de acuerdo a tus necesidades resulta muy útil para saber cuánto se gasta al mes, en qué se gasta y conocer, de esos gastos, cuáles se pueden suprimir.
- Anota todo lo que se compra durante el mes, así identificarán cuáles de esos gastos son prescindibles.
- Enséñale a los menores de la casa, que también se ahorra cuidando los recursos como el agua, con duchas cortas y la luz, apagando y desconectando lo que no se está usando. Con este tip se evitan fugas innecesarias de liquidez económica.
- Si sabes cuánto ganas, sabes cuánto puedes gastar; aunque suene imposible, sí puedes reducir tus gastos. Así las cosas, siempre podrás destinar entre un 10 y un 20% de tu salario para ahorrar.
- Aunque hay personas que se casan con marcas o tiendas, siempre se puede buscar un mejor precio de ese producto que consumimos. Comparar precios es una idea ahorradora.
- Consolidar deudas es también una manera de ahorrar, generalmente, las consolidaciones vienen acompañadas de reducción de intereses, lo que resulta conveniente para la familia. Aunque lo ideal sería no excederse en los préstamos y compras a plazos. Usa ese dinero que se libera con inteligencia financiera: como un ahorro para imprevistos o, incluso, le puede servir para pagar con anticipación el total de la deuda.
- En caso de que alguien de la familia requiera hacer una compra urgente por cualquier imprevisto, buscar recomendaciones y ofertas resulta muy útil. Las tiendas online son las que ofrecen mejores descuentos.
- Incluye en el prepuesto el dinero para comprar ropa y zapatos, pero proponte hacerlo en las temporadas de promociones o descuentos, pues al cambiar colección, los precios rebajan hasta en un 80%. ¡Una gran manera de ahorrar!
- Establece reglas claras, objetivos y metas a corto, mediano y largo plazo.
- De acuerdo a los ingresos de cada miembro de la familia, establezcan si el ahorro será semanal, quincenal o mensual.
- Según la Organización de las Naciones Unidas para la Alimentación y la Agricultura, cerca de 1.300 millones de toneladas de comida se desperdician al año, lo que quiere decir que planear bien tus compras puede significarte ahorro.
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