El concepto del dinero ha cambiado en los últimos años. Nuestros padres y abuelos fueron educados con unos valores financieros como:
- No gastar por encima de sus posibilidades.
- Ahorrar.
- Todo esfuerzo tiene su recompensa, aunque no sea inmediata.
Y a nosotros ¿Cómo nos han enseñado a relacionarnos con el dinero?
Vivimos en la cultura de querer tenerlo todo ya. No nos importa si tenemos dinero ahorrado o no. Las empresas nos ofrecen diversas facilidades para financiar nuestras compras. Lo de ahorrar durante un tiempo para poder comprar ese capricho que tanto deseamos o preocuparnos por nuestro futuro ¿Para qué? ¡Si lo podemos tener ya y la vida son dos días!
En este artículo quiero hablar acerca de un sistema que implementé en mi vida hace ya unos años y que me ha proporcionado grandes resultados. Os presento al SISTEMA DE AHORRO.
Hablemos del ahorro
Antes de hablar acerca de este sistema, primero reflexionaremos acerca del ahorro. Cuando hablamos de ahorro estamos hablando de diferir nuestro consumo presente con el fin de mejorar nuestra situación futura.
Veamos un ejemplo, imagínate que Sr Inversor Paciente cobra 1.800€ y vive en Madrid. Tiene la opción de alquilar un piso a las afueras por 600€ o vivir en el centro por 900€. Viviendo a las afueras ahorraría 500€ al mes y en el centro 200€. Es una persona joven y a quién no le importa sacrificar cierto tiempo y comodidad. Por ello, escoge la opción de vivir a las afueras. Sacrifica su bienestar presente para lograr un mayor ahorro. Pone ese ahorro a trabajar con el objetivo de conseguir un mejor bienestar futuro.
¿Qué es un sistema de ahorro?
Un sistema de ahorro consiste en ahorrar dinero mes a mes para lograr unos objetivos previamente establecidos. Esos objetivos pueden ser diferentes según cada persona. Para algunos de nosotros será invertir en bolsa, un negocio o simplemente ahorrar. Otros querrán utilizar ese dinero para viajar, comprar una moto, coche, casa u otras necesidades.
Este sistema tiene la facultad de ser flexible y amoldarse a cada uno:
- El que no ahorra: creará el hábito de ahorrar.
- El que ahorra poco: incrementará su ahorro.
- El que ahorra: sacará partido a sus ahorros y podrá anticiparse a imprevistos y gastos futuros.
¿Te ves reflejado en algún de estos perfiles? ¡Tengo una buena noticia! El sistema de ahorro sirve para TODOS.
Características del sistema de ahorro
Según mi experiencia un buen sistema de ahorro debe estar compuesto por estas características:
- Pagarse primero a sí mismo: Al recibir nuestro salario lo primero que vamos hacer es pagarnos a nosotros. Es decir, primero ahorramos y luego pagamos nuestras facturas. Y no al revés…
- Automatización: Utilizamos la tecnología para que haga el trabajo por nosotros.
- Anticipar imprevistos y gastos futuros
- Disciplina, constancia y paciencia
Con esto buscamos recompensarnos primero a nosotros. Eliminar el factor vagancia mediante la tecnología y automatización. Anticiparnos a posibles imprevistos futuros que nos pueden surgir y crear un sistema duradero en el tiempo.
Ejemplo de sistema de ahorro
Veamos un ejemplo simple para poder entender todo lo que hemos visto hasta ahora.
Retomemos el ejemplo anterior, Sr Inversor paciente cobra 1.800€. Es una persona que empieza a interesarse por sus finanzas personales. Por ello, decide llevar un sistema de ahorro muy sencillo. Actualmente ahorra 500€, pero quiere incrementar su ahorro a 600€ mensuales.
- Cuenta principal: donde recibe su salario y paga sus facturas y gastos habituales.
- Cuenta Ahorro: dedicada exclusivamente para ahorrar.
El día 2 ordena un traspaso desde su “cuenta principal” a la “cuenta de ahorro” por un importe de 600€. Además, deja puesta la orden de forma indefinida para que el sistema lo haga automáticamente cada mes.
Con esto, Sr Inversor Paciente consigue:
- Pagarse a sí mismo primero
- Incrementar su ahorro: pasando de 500€ a 600€
- No gastar más de lo necesario: solo tendrá un presupuesto de 1.200€ para vivir mensualmente.
Esto ha sido una introducción sobre un método sencillo de ahorro. En los próximos posts seguiré explicando los diferentes ejemplos de sistemas de ahorros para que cada uno de vosotros podáis crear el vuestro.
¿Llevas algún sistema de ahorro? Si es así, ¡Compártelo con nosotros!
….
Muchas gracias por compartir el contenido, excelente artículo. Saludos
Gracias a ti por tu comentario!
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