siete pasos para administrar tu dinero - alejandro santos l

8/4/2019 Siete pasos para administrar tu dinero - Alejandro Santos L.

1/23


2/23

ppp"gikazqjakkebftae"mej

6

INA^FNE \ET? Fkiofbnte ]fb~e} K" Natim~et ni Gikaz q Jakkebftae "ppp"gikazqjakkebftae"mej

NITIMHE] q ME\QTA@H^"I}~i jf~itafk i}~ |te~iàne |et kf kiq ab~itbfmaebfk ni nitimhe} ni fy~et"

NA]^TADYMAB NI I]Î NEMYJIBÊ?I}~i kadte ikim~tbame }i ki ib~ti`f MEB NITIMHE] NI TIWIB^F+ i} nimat vyi ke |ent tiwibnit q vyinft}i

meb ik 6


3/23


4

MEB]^TYQI YB BI@EMAE IXAÊ]E IB ABÎTBI^ MEB IK

MYT]E NI GIKA_ Q JAKKEBFTAE +I]Î MYT]E Î HFTF@FBFT NABITE IB ABÎTBI^ NI YBF GETJF IGAMF_"

WI FHETF JA]JE Fppp"gikazqjakkebftae"mej Q MEJAIB_F

QF


4/23


=

MEB^IBANE

Ab~tenymmab>

Fb~i} ni mejibzft"""9

\f}e Ybe? ]a vyaiti kki`ft f yb ni}~abe+ |tajitenidi }fdit nebni i}~f 7

\f}e Ne}? Anib~agavyi ke} hda~e} vyi ke hfbkkiwfne f i}~f }a~yfmab """""""""""""""""1

\f}e ^ti}? F nebni vyaiti} kki`ft5""64

\f}e Myf~te? ^ji}i }y ~aij|e |ftf mtift yb|kfb ""6>

\f}e Mabme? ^ejf fmmab+ mejaibmi f tinymat }y} niynf} "67

\f}e ]ia}? Meb}a`yi ybf ib~tfnf ix~tf ni

nabite60\f}e ]ai~i? Jfb~ib~i gatji q ~ib na}ma|kabf+mejaibzf heq""68


5/23


>

AB^TENYMMA B

Ib i}~i kadte ibmeb~tft } ybf getjf }ibmakkf ib0 |f}e} |ftf fnjaba}~tft ~y nabite"

âibi} ib ~y} jfbe} ybf hittfjaib~f vyi ~i}itb ni `tfb y~akanfn |ftf fkmfbzft ik edoi~awe

ni ~ejft nima}aebi} fmitmf ni ~y nabite+ fb~i}ni vyi ij|aimi} f `fbft nabite ib Ab~itbi~}i|f} meb~tekftke+ |etvyi be ni}ie vyi `fbi}`tfbni} mfb~anfni} ib igim~awe q vyi ni}|y}be }i|f} ib vyi ke hf} `f}~fne+ ~i ke naè |etix|itaibmaf"

]aibne ~y nabite i} jyq ~ibit q }fdit mejekkiwft yb meb~tek+ ji `y}~ftf ib witnfn+ vyif|kavyi} ib kf jfqet getjf vyi |yinf} i}~e}|f}e} |ftf vyi mejaibmi} meb ik |ai nitimhe fkkiwft ybf} gabfbzf} }fbf}"

\ent} ni ybf wiz |et ~enf} meb~tekft ~y nabite+

}ab aj|et~ft }a ~aibi} yb ~tfdfoe e yb bièmae ibAb~itbi~+ ni myfkvyait getjf vyi ìbiti}ab`ti}e} f |ft~at ni fhetf }fdt} vyi hfmit meb~y nabite"


6/23


9

FBÎ] NI MEJIB_FT

I}~i byiwe kadte i} ybf hittfjaib~f jyq ~akvyi dtabne f kf ìb~i meb kf }i`ytanfn nihfditkf |tedfne meb fb~itaetanfn q }aib~e fjaèje vyi ~fjdab f ~a+ ~i fqynft"

I}~i i} yb jybne jftfwakke}e q |aib}e vyiib~ti jf} |it}ebf} fqynib f jf} |it}ebf}i}~f} }itb fyb jf} gikami} q mettofbji }ai}~eq jfk+ |ite wibaje} f i}~i jybne meb ybf}ekf |taetanfn+ kf ni }it gikami} q i}~i nidi }itik |tabma|ae bame"

Qf vyi }a iti} gikaz f |i}ft ni kf}ni}fget~ybfnf} i abwftafdki} me}f} vyi kf wanfbe} |ti}ib~f+ be ~ibè kf jibet nynf vyi}aij|ti ib myfkvyait ky`ft ~ibnt} xa~e q|te}|itanfn"

Be ji jfk ab~it|ti~i}+ be vyaite nimat ni vyi}aij|ti q ~ene} ke} nf} }ab ixmi|mab }it}gikaz3 }a be vyi ~y ibgevyi }if ik ~ibit kf wa}~f|yi}~f ib vyi kf} me}f} }fkntb ke jioet |e}adki|f}i ke vyi |f}i"


7/23


7

\f}e Ybe]a vyaiti kki`ft f yb ni}~abe+ |tajite nidi

}fdit nebni i}~ "

Ajfàbf vyi wf} f }fkat ni wfmfmaebi} q wf} f~ejft yb fwab+ i}~f} ib ik fite|yit~e|ib}fbne ib mej|tft ~y deki~e+ ~i f}i`yte vyi

be |yini} |inat yb deki~e ni fwab q nimat?nji yb deki~e |ftf at f vyaib }fdi nebni"

Vyi mtii} vyi ~i meb~i}~ftfb5+ }a mkfte+ q kevyaiti }ibmakke e ni anf q wyik~f3 |yi} be+nigaba~awfjib~i be q ib kf gabfbzf} |it}ebfki}ti}yk~f ixfm~fjib~i ke ja}je"

I}~e ke hfmije} nf f nf fybvyi ni getjffy~ej~amf }a wf} fk ~tfdfoe ib ~y mftte |etkàmf }fki} ni ~y mf}f q ~tfzf} yb mfjabe |etmait~f} mfkki} hf}~f kki`ft fk ni}~abe vyi i} ~y~tfdfoe q }ab hfdit~i }ib~fne f |kfbift mejeadf} f kki`ft ~y ~tfdfoe hama}~i yb jaba |kfb ni

}fkat ni yb |yb~e (f! ib i}~i mf}e ~y mf}f+ hf}~f~y ik |yb~e (d! ~y ~tfdfoe"

Fhetf ~i naè vyi wfje} f f|kamft ixfm~fjib~iik ja}je |tabma|ae"


8/23


0

Ke vyi wfje} hfmit i} dy}mft yb myfnitbe+kadti~f nebni ixmky}awfjib~i }it y~akazfne |ftf~y} gabfbzf}"Ib ybf heof ~ibnt} vyi i}mtadat ~ene} ke}`f}~e} vyi tifkazf} ib yb ji}+ q |et }y|yi}~ee~tf} }fkanf} ni nabite+ |ftf vyi |et gab }i|f}nebni }i wf ~ene ~y igim~awe3 abmkyqi ~enefd}eky~fjib~i ~ene+ ni}ni ke} fkajib~e}+ |fèni kf tib~f+ ~ikgebe+ |fè ni kf ~ftoi~f nimtna~e+ mikykfti}+ mekiàe ni ke} bae}+ kf}}fkanf} fk mabi+ i~m" Timyitnf ~ene"Fhetf ke} i}mtadatije}+ |ite nidije} hfmitkeni getjf tinymanf+ f vyi ji tigaite vyinidije} hfmitke |et nf q |et }ijfbf+ f} ~ibnt} j} f ni~fkki mfnf `f}~e vyi tifkami}"

I}~e nidije} hfmitke |et mfnf |it}ebf vyini|ibnf ni ~y ab`ti}e"

Qf vyi ~ibije} yb jf|f ni hfmaf nebni }i wfik nabite+ ke vyi ~ibije} vyi hfmit i} e~tf ka}~fixfm~f nik nabite vyi ib~tf f ~y} ftmf}"

Ji ibmfb~ftf vyi i}~f ka}~f gyitf ~fb `tfbnimeje kf ni ke} `f}~e}+ |ite |et ke ti`ykft be i}f}"I} kf hetf ni ~ibit kf} ne} ka}~f} q wit }a ke vyi`fbfje} ib witnfn be} fkmfbzf |ftf |f`ft ~eneke vyi `f}~fje}"


9/23


8

Yb meb}ioe be ~i ibeoi} meb~a`e ja}je e meb

fk`yaib vyi hf `f}~fne ni j} |et tifkazft `f}~e} vyi hf}~f fhetf }i tifkazfdfb q vyi beke} hfdf} be~fne"

^jfke meb mfkjf+ ~ejf yb dyib ti}|ate+ qgikam~f~i |et vyi fhetf ~i hf} nfne myib~f ni kevyi i}~f |f}fbne q hf} ~ejfne fmmab+ |ftf

ti}ekwit i}~f }a~yfmab vyi ~i hf jfb~ibanef~tf|fne ib ~y ~tfdfoe }ab |enit na}gty~ft ~ynabite meb ~y gfjakaf }ab tijetnajaib~e f vyi fwit }a i}~f wiz ke vyi ~i |f`fb mfnf vyabmibf }afkmfbzf |ftf |f`ft ~ene"

Ik ~ibit ybf wa}~f `kedfk ni ~y} i`ti}e} iab`ti}e} ~i }atwi |ftf mejibzft f ~ejft ~y}nima}aebi} vyi jioetib ~y} gabfbzf}"


10/23


1

\f}e Ne}Anib~agavyi ke} hda~e} vyi ke hfb kkiwfne f i}~f

}a~yfmab"

ênf} kf} |it}ebf} ~ibije} hda~e} vyimeb~tekfb fy~ej~amfjib~i jymhf} mebnym~f}vyi be} kkiwfb f tifkazft fm~awanfni} mf}a }ab|ib}ft"

F j ji |f}f jymhe i}~e"Nofji |kf~amft~i?Be ~i |f}f vyi wf} fk mabi }eke+ e meb ~y bewaf+i}|e}f e ib~ti fjaè}+ ~i nami} e fk`yaib ~i nami|yi} ybf} |fkeja~f} e te}i~f} ni jfz+ |yi} }a|etvyi }a wf} fk mabi hfq vyi mejit fkè e ~ejft fk`b tigti}vya~e+ q }a be mej|tf}~i bfnf q }ekewf} f wit kf |ikmykf+ ti}yk~f vyi fktininet ~yqe}i }aib~f kf ìb~i vyi f|ibf} q |yinib |f}ft meb }y} |fkeja~f} ix~tf `tfbni} q tigti}me }y|it ji`f oyjde q ~i nami} kf kiq ni kf f~tfmmabixa}~i"Q wf} f mej|tft~i ~y} |fkejf} q tigti}me+ }a e

be5I}~i gyi yb |ivyie ioij|ke ni vyi ni ybfgetjf meje ke hfmije} mf}a |et hfda~e eme}~yjdti3 |enije} ~ibit e~te} ioij|ke}"Mhimf i}~i? wf} fk mib~te mejitmaf q wiz yb tikeoni 7< nkfti} |ite fk kfne hfq e~te ni 8< nkfti}


11/23


6 hetf} itf ybni}|itnamae nik nf+ hf}~f vyi ji vyini mf}a }abibit`f q gya f nft fk he}|a~fk"

Gyi mytae}e qf vyi nib~te ni yb myft~e nihe}|a~fk ~ywi vyi `yftnft ti|e}e |et edka`fmabq ni}fmikitft ja ta~je ni wanf"

Gyi jyq nyte |ftf ja+ |etvyi qf vyitfmytftji |ftf at fk ~tfdfoe ybf wiz jf}+ |ite~fjdab ji na myib~f vyi ~ibaf vyi ~ibit|fmaibmaf q |kf~amft ni wiz ib myfbne mebjaèja}je+ qf vyi }a be ke hfmaf ke |f`ftf meb ja|fz jib~fk+ ja }fkyn q ni}|y} meb ja wanf"

F} vyi fjaè je ~i |te|ebè }eke 69 jaby~e}fk nf+ ni |tigitibmaf |et kf jffbf |ftf witnib~te ni ~a q i}mtadatke ib ybf heof ni |f|ik q|ti`yb~ft~i myfki} }eb ja} edoi~awe}5 |ftfi}~i nf+ |ftf i}~f }ijfbf+ |ftf i}~i ji} q f} }ymi}awfjib~i"


17/23


67

\f}e Mabmeêji fmmab+ mejaibmi f tinymat }y} niynf}

êjft fmmab i} ke vyi }a`yi abjinaf~fjib~ini}|y} ni |kfbift+ i} kkiwft f mfde ke vyi i}~fib ik |f|ik" Be hfq jf} ix|kamfmab ib i}~i|f}e kf fmmab ke wfki ~ene"Ybf wiz qe vyitf bfnft ~ibntf qe meje 8 fe}q ja |fnti ji naoe? |yi} haoe fh i}~f kffkditmf+ vyaite vyi wfkkf} hfmaf ikkf q ji na`f}meje i}~f ik f`yf }a gtf+ mfkaib~i e ~adaf"

Q ib~ebmi} timyitne vyi ji fmitvyi |ftfmitmaetftji+ myfbne }aib~e yb ij|yob vyi jihfmi mfit fk f`yf+ ja |fnti ji naoe i}~f i} ~y|tajitf kimmab+ fhetf }a wf} f f|tibnit fbfnft" Myfbne |kfbii} hfmit fkè dyibe+ be ke|aib}i} jymhe }eke hfzke"

Fmkfte vyi kf fkditmf be ~ibaf ba yb ji~te ni|tegybnanfn |ite |ftf yb bae ni 8 fe} i}ffkditmf }i ji hfmaf ni ~fjfe ekj|amf"

Ke vyi vyaite nimat i} vyi abjinaf~fjib~ini}|y} ni vyi ~itjabi} ni |kfbift ~ejffmmab q timyitnf i}~i meb}ioe vyi ji nae yb`tfb fjaè?

Be hf`f} ~fb~e fbka}a}+ |etvyi mfy}f |ftka}a}


18/23


60

\f}e ]ia}

Meb}a`yi ybf ib~tfnf ix~tf ni nabite]a nib~te ni ~y} |kfbi} i}~f ik edoi~awe ni~ibit ybf i}~fdakanfn gabfbmaitf q ni}|y}ed~ibit ~y kadit~fn ~ibnt} vyi ~ibit ibmyib~f ke }a`yaib~i?

âibi} vyi meb}i`yat ybf ib~tfnf ix~tf ninabite qf }if meb}a`yaibne e~te ij|kie nijinae ~aij|e+ abamaft yb bièmae+ hfmitabwit}aebi}+ e ~ibit yb bièmae |etAb~itbi~"

Qf vyi timada}~i i}~i kadte |etvyi ~iab~iti}f ~ibit ab`ti}e} |et Ab~itbi~ q jf}fyb fnjaba}~tftke}+ vyaite nimat~i vyi+ qe~i fqynfti f vyi ~ib`f} ~y |te|ae bièmaeib Ab~itbi~ |ftf vyi ~ib`f} kf ~tfbvyakanfnni ~ibit ybf ib~tfnf ix~tf ni nabite"

I}~i j~ene ke f|kame q ~i naè meb ~enfmebgafbzf vyi ji hf gybmaebfne ni}ni ikabamae"

Myib~f meb ~ene ja f|eqe |ftf kkiwft i}~iedoi~awe f kf tifkanfn"


19/23


68

\f}e ]ai~i

Jfb~ib~i gatji q ~ib na}ma|kabf+ mejaibzfheq"

Kf na}ma|kabf i} f ja `y}~e ybf fmmab jyqnagmak ni kkiwft fmfde |ite+ myfbne kf~aibi} ib ~y jib~i q kf f|kamf}+ ~ene }ihfmi j} gmak hfmaf ~y mfjabe f kffnjaba}~tfmab nik nabite q fk ke`te niji~f} q edoi~awe}"

]a ~i ab~iti}f }it Gikaz q Jakkebftae ~aibi}getze}fjib~i vyi ~ibit na}ma|kabf ni fmite"Jymhf `ib~i be f}emaf kf gfk~f ni na}ma|kabf

f }y gfk~f xa~e" Ik gtfmf}e be} |yini}et|tibnit nfne f byi}~tf gfk~f niib~ibnajaib~e ni ke vyi i} kf na}ma|kabfkkiwfnf ni getjf mettim~f"

\etvyi na}ma|kabf i} hfmit ke vyi ~ib`f}

vyi hfmit+ myfbne ke ~ib`f} vyi hfmit+~ib`f} `fbf} e be"

]a ib }y |kfb ni fmmab hf }ane ~ibit mejeedoi~awe tifkazft heq 9 kkfjfnf} f |e}adki}mkaib~i} q }eke tifkazf ybf"


20/23


61

]a ~aibi vyi jfbnft |et i*jfak 9 mft~f} niwib~f} |ite }eke jfbnf 4"

Q }a ~aibi meje edoi~awe |tabma|fk+ na`fje}vyi i}~f }ijfbf }i |te|y}e fhettft 69nkfti} q be hf fhettfne ba ybe }eke fkgabfkazft kf }ijfbf"

îb`f ib jib~i vyi fkè be hf mfjdafneq vyi ni i}~f getjf be |ent fkmfbzft kevyi }i hf |te|yi}~e"

Ybf wiz ji naoiteb? Be |yini} i}|itftvyi kf} me}f} mfjdaib+ }a }a`yi} hfmaibneixfm~fjib~i ke ja}je mfnf nf

Vyitane fjaè kf na}ma|kabf i} kf getjykf|ftf f~tfit kf tifkazfmab |it}ebfk f} mejekf gikamanfn q kf tavyizf"

]eke vyaite fb~i} ni ni}|inatji nimat~ivyi i}|ite ni ~ene metfzb vyi fkmfbmi}~ene} ~y} edoi~awe} vyi ~i |te|eb`f} q beni}a}~f} fybvyi |ftizmf vyi be nfbti}yk~fne"


21/23


4

siete pasos para administrar tu dinero - alejandro santos l

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