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| title | "Como empezar a ahorrar y educarte financieramente." |
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| body | "# Cuantas veces has gastado parte de tus ganancias quincenales o mensuales en cosas que no necesitas?
Lo más probable es que hayas pensado que lo haces más de lo que desearías o tal vez que no puedes evitarlo y que no tienes remedio, cierto? Te tengo una buena noticia y es que si puedes evitarlo y lo mejor de todo es que puedes educarte financieramente.
En general en América Latina no hay una cultura del ahorro profunda y mucho menos de inversión. La educación primaria, secundaria y preparatoria no incluyen conceptos básicos de ahorro, por ende cuando ingresamos al campo laboral no sabemos como administrar nuestras ganancias, no nos permitimos tener una solvencia económica estable.
Algunas preguntas que debes hacerte antes de *gastar* es ¿Lo necesito? Con esta simple pregunta podrás empezar a combatir compras impulsivas, recuerda que tus sentimiento no deben controla tus finanzas. Puedes poner en práctica lo siguiente:
**1. Ahorrar el 10% de tu sueldo quincenal o mensual.**
**2. Eliminar gastos hormiga, como ejemplo: Cigarros, dulces, etc.**
**3. Genera un presupuesto quincenal o mensual para llevar mejor tu administración.**
Estos son solo 3 pasos con los que puedes comenzar con tus ahorros ya que es un hábito que se forja poco a poco. No te desesperes si sientes que vas lento, con el tiempo notarás un gran cambio en tus finanzas. Realiza un pequeño ejercicio, calcula cuanto te gastas en cigarros, dulces, café de cada día, te sorprenderá saber lo que puedes ahorrar si eliminas o por lo menos disminuyes esos gastos hormiga.
Hay otro tipo de herramientas que puedes implementar para automatizar tus ahorros, un ejemplo es la app **Piggo**. Esta aplicación te permite automatizar tus ahorros, es decir, puedes programar en la app para que retire de la cuenta donde te depositan el sueldo el monto que tu elijas, al crear una cuenta podrás ingresar un objetivo/meta de ahorro, por ejemplo un viaje de vacaciones y con esto animarte a seguir con el ahorro, además te da la opción de invertir tu dinero para que crezca en el plazo que elegiste.
Con esto no quiero decir que dejes de darte lujos, simplemente puedes administrar mejor tus ingresos para puedas disfrutar plenamente las vacaciones, ida al cine o compra de auto sin que te quedes sin dinero cada quincena.
Con esto crearas un hábito de ahorro y entonces podrás invertir ese dinero y hacerlo crecer día a día. Veremos en otro post las formas en las que puedes invertir y empezar a pensar en retirarte antes de los 30, 40 o 50? Dependerá de tu buena administración y **educación financiera**." |
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enjoy your posts. Always great pics." |
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| 1. | | required_auths | [] |
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| required_posting_auths | |
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| id | follow |
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| json | ["follow",{"follower":"mitneb","following":"gamemusic","what":["blog"]}] |
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| extensions | [] |
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| signatures | | 0. | 1f3d21eacac3816e34b4e944bdb2323e2d0189e84b69cdc5cd8286afe9ffaca00c2865e0053997b94fc2e9e39a989b02825a6742fa4e1772349f975dcd3fe8c39e |
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| transaction_id | 5fbb7e0241050044ccee4105ff82ef3686ecc390 |
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| block_num | 15,156,969 |
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| transaction_num | 17 |
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| 18. | | ref_block_num | 18,149 |
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| ref_block_prefix | 2,636,953,303 |
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| expiration | 2017-09-04 00:31:18 |
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| operations | | 0. | | 0. | vote |
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| 1. | | voter | estachevere |
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| author | domidelpostigo |
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| permlink | el-albaicin-un-milagro-urbano-en-el-sur-de-europa |
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| weight | 10,000 |
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| extensions | [] |
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| signatures | | 0. | 203da105bc3cb52195b74ace9c2fdf9f82d86d43f71d82431b93c8bb65ead419ba399d0316e98e37d6130bb6bc4b0dab9d007b4e32f18a2a04085f6f70a9ed92fe |
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| transaction_id | 6f6c61913943f15fd96f2927a0a83f609d34da83 |
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| block_num | 15,156,969 |
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| transaction_num | 18 |
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| 19. | | ref_block_num | 18,149 |
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| ref_block_prefix | 2,636,953,303 |
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| expiration | 2017-09-04 00:31:18 |
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| operations | | 0. | | 0. | vote |
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| 1. | | voter | silcenord |
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| author | gamer00 |
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| permlink | couldn-t-get-sleep-so-here-s-a-photo-of-a-towel-instead |
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| weight | 10,000 |
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| extensions | [] |
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| signatures | | 0. | 2042f8cbdcc2287105aec1becf8136017688aa997ae565b076bbd5d6863defde2f12925bddc6357ecdbfe245f7013700a369f7309021c606e9a1d6ab0978be3e48 |
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| transaction_id | e1124c768aa6b3f044fb018ed97e15d9a8550184 |
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| block_num | 15,156,969 |
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| transaction_num | 19 |
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| 20. | | ref_block_num | 18,149 |
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| ref_block_prefix | 2,636,953,303 |
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| expiration | 2017-09-04 00:31:18 |
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| operations | | 0. | | 0. | transfer |
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| 1. | | from | blessednami |
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| to | bittrex |
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| amount | 3.173 HBD |
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| memo | caf7b7dffce14adabde |
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| extensions | [] |
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| signatures | | 0. | 2009fe95cdfa86c250d73e4fa74516197e1948c010a0149d5e28b9f9244a9b54235d1d510c648e3e4c9d7120ea1841fee55380d66209b7a24ad9d481496ba19547 |
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| transaction_id | 960add1f3c9e8843b36a09a898c13966458c6c60 |
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| block_num | 15,156,969 |
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| transaction_num | 20 |
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| 21. | | ref_block_num | 18,152 |
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| ref_block_prefix | 2,784,469,283 |
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| expiration | 2017-09-04 00:30:35 |
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| operations | | 0. | | 0. | vote |
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| 1. | | voter | centerlink |
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| author | marcfrvncis |
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| permlink | y3swxggm |
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| weight | 1,000 |
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| extensions | [] |
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| signatures | | 0. | 2008a938df178cb02f5f1513a818bb4c091d93098a3ca925e49e483025efb471480244a43beed42f03410fb48b006b26bb0b20bd881702a85f4af85d43165adfee |
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| transaction_id | 84b838602f4c9d8b1aa86a30102378f8a68789f3 |
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| block_num | 15,156,969 |
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| transaction_num | 21 |
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|---|
| 22. | | ref_block_num | 18,149 |
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| ref_block_prefix | 2,636,953,303 |
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| expiration | 2017-09-04 00:31:18 |
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| operations | | 0. | | 0. | vote |
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| 1. | | voter | enomujjass |
|---|
| author | jaytop |
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| permlink | re-enomujjass-52-vs-09-05-20170903t230603422z |
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| weight | 400 |
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| extensions | [] |
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| transaction_id | f54d0b815f125ee7a877fd92f0a0058aaaf9f24b |
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| block_num | 15,156,969 |
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| transaction_num | 22 |
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hiveblocks