Cómo elaborar un plan de ahorros

 

Primera parte

 

Foto tomada de galería de fluzo

 

Un plan de ahorros es una herramienta indispensable para la administración del dinero. Para alcanzar metas de corto, mediano y largo plazo. 

Siga los siguientes pasos para crearlo: 

1. Establezca metas de ahorros.

2. Determine cuánto y durante qué tiempo necesita ahorrar para alcanzar sus metas de ahorro. Establezca un objetivo.

3. Determine cuánto está ganando en este periodo de tiempo, la regularidad (o irregularidad) de sus ganancias y cuánto espera ahorrar de forma regular.

4. Identifique qué gasto puede reducir (por ejemplo, renta de videos, cigarrillos o café) y reasigne esta cantidad a sus ahorros.

5. Decida dónde ahorrar. Identifique los lugares donde podría ahorrar, los productos de ahorros disponibles y sus ventajas y desventajas.

6. Planifique cuánto y con qué frecuencia ahorrará. Por ejemplo, podría guardar una cantidad determinada en un sobre al recibir su pago o al final de cada día útil y conservarla en un lugar seguro hasta que pueda llevarla al banco. Vaya al banco un día fijo de la semana o mes. Si es asalariado y su empleador tiene relación con un banco, considere la opción de que una parte de su sueldo se deposite directamente en su cuenta de ahorros.

7. Lleve la cuenta de sus ahorros. Siga regularmente de cerca el avance hacia suobjetivo revisando el monto que tiene ahorrado y qué tan cerca se encuentra de su meta. Revise sus estados de cuenta, libretas u otras fuentes de información sobre sus ahorros.

 Tomado de Financial Education http://www.bancadelasoportunidades.gov.co/documentos/2_ficha_tematica_ahorros.pdf 

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