¿En qué gastamos nuestro dinero?

La mayoría de las personas piensan que sus dificultades financieras provienen principalmente de sus ingresos. Quién no ha pensado alguna vez, ¿si ganase más dinero se acabarían todos mis males? Es una idea generalizada, pero desde mi punto de vista, el problema radica en otra parte: LOS GASTOS.

Contenido


▷ Relación de los ingresos y gastos de una familia corriente

Ingresos y gastos de una familia corriente

No nos engañemos… ¡Cuanto más ganamos, más gastamos! Es una realidad. La gran mayoría de las personas suelen enfocarse en cómo aumentar sus ingresos y no en cómo reducir sus gastos. Lo habitual es que a medida que adquirimos experiencia profesional, nuestros ingresos se incrementen. Pero también, lo hacen nuestras obligaciones.

Pasa el tiempo y comienza a nacer dentro de nosotros la idea de crear un proyecto de vida. Empezamos a darnos nuestros pequeños caprichos, comprarnos ropa, un coche, pedir una hipoteca para una casa, recorrer el mundo viajando y para algunos, incluso, surge la necesidad de formar una familia.

Todas esas decisiones y situaciones provocan que tanto nuestros ingresos como nuestros gastos se incrementen por igual. Nos resulta difícil ahorrar. Contraemos cantidades importantes de obligaciones con terceros. Dependemos de nuestro trabajo para llegar a fin de mes y entramos en un círculo vicioso.

▷ La importancia de cuidar los gastos

Está muy bien centrarse en los ingresos, pero no debemos descuidar los gastos. De hecho, es la variable que marcará la diferencia entre tener unas finanzas saludables o no. Lo idóneo es no aumentar nuestros gastos a medida que se van incrementando nuestros ingresos. ¡Es muy fácil decirlo! pero otra cosa es llevarlo a la práctica…

Para ello, es muy recomendable llevar a cabo un control presupuestario y replantearnos ciertas creencias y costumbres que hemos ido interiorizando durante nuestra vida.

▷ Reflexionemos acerca de nuestros gastos

Una de las reglas fundamentales de las finanzas personales es no gastar por encima de nuestros ingresos. Es decir, no vivir por encima de nuestras posibilidades. Durante nuestra vida, surgen nuevas necesidades. Aparecen nuevos gastos. Algunos prescindibles y otros no tantos.

Una vez que tengamos cubiertos los gastos básicos (alojamiento, gastos del hogar, comer, vestir), no debemos caer en la trampa de gastar por gastar, si no gastar con cabeza. Debemos reflexionar sobre lo que realmente necesitamos y priorizar. Dejar de saciar nuestros impulsos de corto plazo y mirar más hacia el largo plazo.

▷ Clasificación de los gastos

Clasificación de los gastos

#1 Gastar en experiencias

Crea momentos inolvidables que perdurarán en la retina y memoria. Invierte en conocimiento y cultura. ¡Invierte en ti!
  • Viaja.
  • Sal a cenar con tus amigos.
  • Escápate un finde con tu pareja.
  • Ve al teatro, cine o Museo.
  • Compra libros, formarte y aprende algo que te apasione.

Paradójicamente, cuando uno corta el grifo para ahorrar, empieza a recortar en este tipo de gastos. ¡ERROR!

#2 Gastar en Poseer

Si posees cosas, las cosas te poseerán a ti. Compra cosas que te sean realmente útiles. No compres por comprar o por rellenar un vacío.

¿Realmente necesitas lo que vas a comprar?

¿No existen otras alternativas más baratas?

#3 Gastar en comodidades

Al ser humano le encanta la comodidad, pero no nos damos cuenta que esa comodidad tiene un precio.

¿Realmente necesitas ir al trabajo en coche o puedes ir en transporte público?

¿Táper o comer de restaurante?

#4 Gastar en aparentar

Muchas de las personas buscan diferenciarse mediante el estatus. Lo malo es que hay gente que quiere aparentar un estatus que no le corresponde, viviendo por encima de sus posibilidades y entrando en un juego peligroso.

¿Realmente necesitas ese coche que cuesta 25.000€ o uno de 15.000€ te puede servir?

¿Necesitas vestir a la última y con ropa de marca?

Mi consejo: Mantén controlado tus gastos. Gasta en experiencias. Replantéate ciertas creencias.

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