tag:blogger.com,1999:blog-63460048925054252472024-03-28T02:27:48.216-07:00RINCON DEL BIBLIOTECARIOLa idea es crear un espacio para el comentario, la información, la reflexión, el conocimiento y la amistad entre los bibliotecarios del mundo. Se incluyen noticias y notas de actualidad relacionada con el libro, las bibliotecas, los bibliotecarios y el desarrollo personal.Anonymoushttp://www.blogger.com/profile/10910925058918229848noreply@blogger.comBlogger1125tag:blogger.com,1999:blog-6346004892505425247.post-27672393881424450882014-12-11T03:37:00.000-08:002014-12-11T04:43:48.081-08:003 pasos a seguir cuando el dinero no alcanza<div class="primero" style="background-color: white; border: 0px; color: #333333; line-height: 21px; margin-bottom: 21px; outline: 0px; padding: 0px; text-align: justify; vertical-align: baseline;">
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href="data:image/jpeg;base64,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" imageanchor="1" style="clear: left; float: left; margin-bottom: 1em; margin-right: 1em;"></a><span style="font-family: Verdana, sans-serif;">Por: <b>Nicolás Litvinoff</b></span><br />
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<span style="font-family: Verdana, sans-serif;"><b><a href="http://3.bp.blogspot.com/-V3e_6ItqQ68/VImRSooAKOI/AAAAAAAAFes/ZZUokGJVA78/s1600/dineroa.jpg" imageanchor="1" style="clear: left; float: left; margin-bottom: 1em; margin-right: 1em;"><img border="0" src="http://3.bp.blogspot.com/-V3e_6ItqQ68/VImRSooAKOI/AAAAAAAAFes/ZZUokGJVA78/s1600/dineroa.jpg" height="221" width="400" /></a><a 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" 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<span style="font-family: Verdana, sans-serif;">Finalizando el 2014, podemos afirmar que hay mayor preocupación porque el </span><span style="font-family: Verdana, sans-serif;">dinero no </span><span style="font-family: Verdana, sans-serif;"> alcanza para cubrir los gastos mensuales que en diciembre del año pasado: las políticas de ajuste implementadas por el Gobierno para frenar la inflación luego de fuerte la </span><a class="link" href="http://www.lanacion.com.ar/1658466-tormenta-cambiaria-ganadores-y-perdedores-de-la-devaluacion-del-peso" style="border: 0px; color: #335577; font-family: Verdana, sans-serif; font-style: inherit; font-weight: inherit; margin: 0px; outline: 0px; padding: 0px; vertical-align: baseline;" target="_blank">devaluación de enero</a><span style="font-family: Verdana, sans-serif;"> hicieron que se profundice la pérdida del poder adquisitivo de los salarios, al aumentar los mismos en menor cuantía que el alza en los niveles de precios de los bienes y servicios de la economía.</span></div>
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<span style="font-family: Verdana, sans-serif;">Por este "ajuste", aquellas personas que llegaban "con lo justo" a fin de mes el año pasado ahora tienen que hacer malabares y sacrificar nivel de vida para intentar mantener su poder adquisitivo, que seguirá mermando gracias a la inflación de enero y febrero (que suelen ser de las más altas del año) teniendo en cuenta que faltarán seguro varios meses para que se negocien las paritarias de 2015.</span></div>
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<span style="font-family: Verdana, sans-serif;">Pero más allá de la complejidad del contexto económico, intentaremos en esta columna ofrecer soluciones para aquellos que sienten que el dinero no les alcanza.</span></div>
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<span style="background-color: #49bbe3; border: 0px; font-family: inherit; font-style: inherit; font-weight: inherit; margin: 0px; outline: 0px; padding: 5px 8px 4px 12px; vertical-align: baseline;">PRIMERO PASO: DETERMINAR SI EL PROBLEMA ES DE INGRESOS O DE GASTOS</span></h2>
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<span style="font-family: Verdana, sans-serif;"><span style="color: #333333;">En este caso, la matemática es muy simple: si el dinero no alcanza es porque sale más de lo que entra (</span><span style="color: red;"><b>se gasta más de lo que ingresa</b></span><span style="color: #333333;">). Para volver a encontrar el equilibro en esta ecuación se requiere de a) aumentar los ingresos manteniendo constantes los gastos o b) disminuir los gastos manteniendo o aumentando además el ingreso.</span></span></div>
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<span style="font-family: Verdana, sans-serif;">El tema es que, nuevamente, no podemos generalizar en lo referente a las finanzas personales: la sensación de que el dinero no alcanza puede darse en personas que ganan 7000, 15.0000 o más de 20.000 pesos por mes, y en cada caso el abordaje será distinto.</span></div>
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<span style="font-family: Verdana, sans-serif;">El primer paso entonces es analizar con precisión si lo que tenemos es un problema de ingresos o de gastos. A todos nos gustaría ganar más, pero la cuestión aquí pasa por usar el sentido común y determinar si nuestro nivel de ingresos actual debería ser suficiente como para que podamos llegar bien a fin de mes o si, por el contrarío, lo que ganamos hace que ello sea una misión imposible.</span></div>
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<span style="font-family: Verdana, sans-serif;">Un método es preguntar a compañeros de trabajo o amigos con niveles de ingresos similares acerca de la situación de su economía doméstica, como para tener un punto de referencia. Mínimo se debería contar con 3 testimonios distintos para poder sacar una conclusión válida.</span></div>
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<span style="font-family: Verdana, sans-serif;">Si de este pequeño research nos da como resultado que personas con similar nivel de ingresos y situación familiar (en término de si se poseen hijos o no, si la pareja también trabaja, etcétera) no padecen las mismas angustias económicas que nosotros, entonces estamos ante un problema de gastos.</span></div>
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<span style="font-family: Verdana, sans-serif;">Si, por el contrario, vemos que la gran mayoría está en la misma situación, el problema viene más bien por el lado de los ingresos.</span></div>
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<span style="font-family: Verdana, sans-serif;">En algunos casos, incluso podría ser un problema de estos dos factores combinados: bajos ingresos y gastos elevados. Con ese diagnóstico claro, estamos en condiciones de buscar equilibrar nuestras finanzas.</span></div>
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<span style="background-color: #49bbe3; border: 0px; font-family: inherit; font-style: inherit; font-weight: inherit; margin: 0px; outline: 0px; padding: 5px 8px 4px 12px; vertical-align: baseline;">SEGUNDO PASO: TRANSFORMAR EL GASTO PERSONAL</span></h2>
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<span style="font-family: Verdana, sans-serif;"><span style="color: #333333;">Nótese que la consigna aquí no es </span><b><span style="color: red;">reducir el gasto</span></b><span style="color: #333333;">, que es el "lugar común" en cualquier libro básico de economía o finanzas personales, sino transformar el mismo, para </span><a class="link" href="http://www.lanacion.com.ar/1748542-gastar-menos-y-ser-mas-feliz" style="border: 0px; color: #335577; font-style: inherit; font-weight: inherit; margin: 0px; outline: 0px; padding: 0px; vertical-align: baseline;" target="_blank">pasar de gastos improductivos a gastos inteligentes.</a></span></div>
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" 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" /></a><span style="font-family: Verdana, sans-serif;">Cuando nos encontramos ante un problema de gastos, es probable que lo que esté ocurriendo sea que la mayoría de los mismos sean improductivos y que los gastos inteligentes brillen por su ausencia.</span></div>
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<span style="font-family: Verdana, sans-serif;">¿Como podemos transformar los gastos improductivos en gastos inteligentes? El camino más sencillo es el entender los dos errores más comunes que se comenten a la hora de gastar dinero.</span></div>
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<span style="font-family: Verdana, sans-serif;">El primero es el error de marcos de referencia, en donde el consumidor invierte todas sus energías en comparar bienes o servicios similares en vez de analizar la importancia del mismo en cuanto a la calidad de disfrute que le otorgará. Ejemplo: estoy pensando en comprarme un microondas y dedico el poco tiempo libre que tengo a comparar tres modelos distintos en vez de detenerme a analizar si este bien producirá o no una mejora importante y permanente en mi calidad de vida.</span></div>
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<span style="font-family: Verdana, sans-serif;">El segundo error es el de acostumbramiento o trampa de estatus, que es cuando una persona se acostumbra a un determinado gasto (productos de marca, bienes santuarios, etcétera) que piensa que lo define o le brinda cierto sentido de pertenencia, cuando está demostrado que el gasto en este tipo de bienes o servicios produce una euforia transitoria, para luego producir un proceso de habituación en el que se pierde rápidamente el interés y la insatisfacción vuelve a emerger.</span></div>
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<span style="font-family: Verdana, sans-serif;">Este comportamiento se conoce también como trampa de estatus porque la persona gasta dinero en bienes de posicionamiento, que de alguna manera ratifican su pertenencia dentro de un determinado nivel social. Como el gasto no cambia el estatus de la persona, su bienestar tampoco aumenta al no modificar su posición relativa y la satisfacción se evapora rápidamente.</span></div>
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<span style="font-family: Verdana, sans-serif;">Transformar el gasto personal para pasar de gastos improductivos a gastos inteligentes tiene que ver con investigar, preguntar y evaluar la satisfacción de largo plazo que producirá cada peso gastado en nuestra felicidad y en la economía doméstica al mismo tiempo.</span></div>
<h2 style="background-color: white; border: 0px; clear: both; color: white; font-family: TheSansBold, Arial; font-size: 17px; font-stretch: normal; font-weight: normal; line-height: 25px; margin: 25px 0px 15px -12px; outline: 0px; padding: 0px; text-transform: uppercase; vertical-align: baseline;">
<span style="background-color: #49bbe3; border: 0px; font-family: inherit; font-style: inherit; font-weight: inherit; margin: 0px; outline: 0px; padding: 5px 8px 4px 12px; vertical-align: baseline;">TERCER PASO: TRANSFORMAR EL INGRESO PERSONAL</span></h2>
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<span style="font-family: Verdana, sans-serif;"><span style="color: #333333;">Aconsejar el aumento de los ingresos sería una obviedad que aportaría poco a nuestro objetivo de transformación planteado. No se trata de ganar más dentro de un esquema de ingresos lineales sino de </span><span style="color: red;"><b>buscar un objetivo más ambicioso </b></span><span style="color: #333333;">al poder incorporar en nuestras finanzas los ingresos residuales, que es el gran secreto de aquellos que logran triunfar en el plano económico.</span></span></div>
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<span style="font-family: Verdana, sans-serif;">Se dice que un ingreso es lineal cuando el empleado es remunerado por la cantidad de horas trabajadas, mientras que los ingresos residuales tienen que ver con la capacidad de generar ingresos de manera permanente por un trabajo hecho de una sola vez.</span></div>
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<span style="font-family: Verdana, sans-serif;">El gran problema de los ingresos lineales es que los sueldos reales disminuyen año a año, no solamente en la Argentina a causa de la inflación sino a nivel global gracias a las innovaciones tecnológicas, entre otras causas.</span></div>
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<span style="color: #333333; font-family: Verdana, sans-serif; line-height: 21px;">Los ingresos residuales provienen de inversiones financieras, franquicias, royalties, alquileres y venta de intangibles sin servicio de posventa a través de Internet.</span></div>
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<span style="font-family: Verdana, sans-serif;">Es importante probar cosas nuevas y sería ideal que nos entusiasme hacerlas. No se trata aquí de realizar "un salto al vacío" desde la generación de ingresos lineales a residuales, sino de orientar parte de nuestra energía hacía la concepción de ingresos extras que no dependan exclusivamente de nuestro trabajo como empelados.</span></div>
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<span style="font-family: Verdana, sans-serif;">Para lograrlo es importante modificar la noción en cuanto a la relación existente entre sacrificio e ingresos que tiene la mayoría: en vez de esforzarse de manera permanente y gradual por cada peso ganado existe otra forma que tiene que ver con realizar todo el esfuerzo de golpe para luego obtener ingresos de manera pasiva. Este no es un tema tan simple porque se centra en creencias firmemente arraigadas con respecto al trabajo, el esfuerzo y la retribución.</span></div>
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<span style="font-family: Verdana, sans-serif;">Convencernos de que podemos generar ingresos residuales, investigar sobre el tema y dedicarle un tiempo fijo semanal a este objetivo puede transformar nuestra economía antes de lo que imaginamos.</span></div>
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<span style="background-color: white; color: #333333; font-family: Verdana, sans-serif; line-height: 21px;"><span style="font-size: x-small;">Fuente:http://www.lanacion.com.ar/1750581-3-pasos-a-seguir-cuando-el-dinero-no-alcanza?utm_source=feedburner&utm_medium=feed&utm_campaign=Feed%3A+devexel-lanacion+%28La+Naci%C3%B3n+-+RSS%29</span></span></div>
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