En este post, te voy a contar cómo logré incrementar mis ahorros de un 10% a un 35%. Anteriormente, hemos definido lo que es un sistema de ahorroAhora, el objetivo es que tu seas capaz de crear el tuyo propio.

¿Estás preparado? Allí vamos…

Contenido


Cómo crear un sistema de ahorro paso a paso

1. Determinar cuál es el objetivo de nuestro ahorro. Un ahorro siempre va acompañado de objetivos. Definir la finalidad de nuestro ahorro es lo primero que tenemos que pensar. Por lo tanto tenemos que hacernos la siguiente pregunta ¿Cuál es la razón de nuestro ahorro?

Objetivo sistema de ahorro

2. Abrir una cuenta con un banco online que nos permita crear diferentes cuentas de forma totalmente gratuita. Prácticamente todos los bancos ofrecen esa modalidad.

3. Según los objetivos establecidos crear las cuentas que compondrán nuestro sistema.

ejemplos posibles cuentas sistema de ahorro

4. Establecer el % de ahorro que queremos destinar a cada cuenta. En función de nuestros ingresos y gastos habituales definiremos nuestra estrategia. Para ello es importante realizar un control presupuestario que nos informe acerca de cuanto gastamos y qué capacidad de ahorro tenemos. A partir de esa información podremos determinar qué % de ahorro queremos destinar a cada una de nuestras cuentas.

5. Automatizar los traspasos. Actualmente las entidades bancarias nos permiten realizar traspaso/transferencia de forma automática e indefinida. Automatiza y olvidate… ¡Clic y done!

6. Repetir el proceso cada mes. Si llegas a este puntoeso significa que estas un paso más cerca de lograr tus objetivos.

Regla general del 50/30/20

Regla 50/30/20

Una regla general que suele predominar entre los ahorradores es la regla del 50/30/20. Un sistema muy sencillo que puede resultar muy útil para todo aquel que quiera empezar a ahorrar, sin obsesionarse y disfrutando de la vida. Este sistema consiste en repartir nuestros ingresos en 3 partes:

50%: Cubrir nuestras necesidades básicas
0%
  • El pago de la hipoteca o alquiler.
  • Los gastos habituales de una vivienda (electricidad, agua, gas, comunidad, internet).
  • La comida.
  • Ropa necesaria.
  • Transporte.
  • Colegio/universidad
  • 30%: Darnos caprichos
30%: Darnos caprichos 
0%
  • Ocio
  • Restaurantes
  • Cine
  • Teatro
  • Salir de fiesta
  • Escapadas/viajes
20%: Ahorrar
0%


¿CÓMO FUNCIONA?

Una vez que hayamos cobrado nuestro salario. Lo repartiremos en cada una de las cuentas que hemos determinado (en este ejemplo: cubrir necesidades básicas, caprichos y ahorrar), sin gastar más de lo establecido y sin tocar el dinero objeto de ahorro.

La disciplina y la constancia serán las claves de nuestro éxito.

 

 

Ejemplo regla 50/30/20

Ejemplo Regla 50/30/20

Imaginemos que el día 1 de cada mes recibimos nuestro salario de 1000€. En nuestra cuenta online tenemos 3 cuentas (cubrir necesidades básicas, caprichos y ahorrar). El día 2 repartiremos nuestro salario en las diferentes cuentas según la regla 50/30/20. Por lo tanto, en cada cuenta tendremos:

  • 500€ para cubrir nuestras necesidades básicas.
  • 300€ para nuestros caprichos.
  • Y ahorraremos 200€ cada mes.

Este es solo un pequeño ejemplo. Los porcentajes se pueden modificar en función de las necesidades de cada uno y cada sistema se puede complicar hasta donde uno quiera.

En el próximo post explicaré diferentes ejemplos de sistemas para qué puedas escoger el que más se adapte a ti.

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