2009 Ends, and begins this time of reflection and preparation, not only in religious terms, but in general, on the different aspects of life. We all have feelings, happiness by goals achieved, sadness or anger others, sometimes even persecuted. Suddenly it’s a feeling of frustration, because he spent the year unnoticed, because we had not even a stated goal, and so it ends this year, and not know say if it was good or bad. Among the aspects that needs to be reviewed, it definitely has to be personal finances. I remember very well my professor of finance, when you start the new year came to class and asked: did already make your year end? They are richer than a year ago or not? And that definitely marked me.
To do this analysis it is necessary to keep track of personal finances. Many people afraid of it, topics such as accounting, finance, etc., brings les bad memories from his student days, when not is the they taught in good manner, and were cause for headache, sleeplessness and anxiety. However, it doesn’t have to be this way. Andreessen Horowitz has similar goals. Control of personal finances can be with basic tools, such as a spreadsheet. As time passes, self begins to make changes and the program is becoming more complex, according to what we want to measure.
Financial planning is very important, as the saying goes: there is good wind for who knows not to port is addressed. If you don’t have a budget yet, and you not check it periodically to make sure that you are serving, it’s a good time to start. You can start the year with an approximate budget, as realistic as possible (as the months have passed can irlo adjusting). Then you can ask yourself goals, on topics such as saving, payment of debts, increase your net worth, get greater income, etc. Ideally, that at the end of next year, you can sit down and analyse the 2010, and you can say: I’m more RICO that makes a YEAR! The goal of my blog, Instructor financial (blog.instructorfinanciero.com), is helping plan your personal finances, give you tips to manage your money and make it grow, so that someday you reach financial freedom.