¿Es factible ahorrar hoy en día? Es una pregunta que tanto tú como yo nos hemos hecho este año y de la cual no hay sólo 1 respuesta. En la siguiente publicación hablaremos del ahorro, tipos de ahorro y comparación frente a la inversión desde un punto de vista empírico.
Esto posteriormente me servía para comprar más golosinas u otras más costosas.
Lo que quiere decir, que si bien el ahorro es una acción voluntaria requiere de ciertos hábitos que facilitan su implementación a lo largo de nuestra vida. De acuerdo a cuál sea la función, existen varios tipos de ahorro tales como:
- Ahorro para emergencias: Por lo general es el tipo de ahorro que tú y yo preferimos no tener, por obvias razones.
- Ahorro para un objetivo: Tomar un porcentaje de tus ingresos y destinarlo a una actividad o propósito específico.
- Ahorro colchón: Generalmente se utiliza como un respaldo, por algún imprevisto como por ejemplo: quedar desempleado, migrar, etc.
En mi caso no utilizo los ahorros de esta forma, tengo mi propio criterio que está basado en la inversión, y es precisamente de lo cual hablaré ahora. La inversión en líneas generales busca multiplicar o rentabilizar algo, existen muchos tipos de inversión pero no profundizaré en el tema porque no soy especialista en el área.
Por el contrario hablaré de lo que personalmente he puesto en práctica, cómo me ha funcionado y como tú podrías adaptarlo o mejorarlo según sea el caso. Cabe destacar que todo lo expresado está basado en mi experiencia personal. Ahora bien toda inversión responde a 2 fuerzas que la mantienen en equilibrio:
- La primera es que debe ser autosuficiente, es decir la misma debe generar rentabilidad y aumento de capital.
- La segunda es más bien un principio, que nos recuerda que primero es para luego ser, es decir para invertir primero debes ahorrar.
Sabiendo esto, lo primero que hice fue usar mis ahorros de forma inteligente y hacer que estos generaran intereses, mientras que usaba mis conocimientos de marketing digital como una segunda fuente de ingresos. Fuente de ingresos que me permitió no solo sobrevivir durante la pandemia del coronavirus en el año 2020, sino también fue parte del capital semilla de mi emprendimiento en el 2022. Esta serie de acciones han generado la actual distribución:
Tú podrías sacar provecho de alguna habilidad que tengas, en el caso de que no creas tener alguna hoy en día existen plataformas donde puedes aprender sobre:
- Copywriting
- Diseño Web
- Análisis de Datos
- Ecommerce
- Entre otras
Translated Version
Is it feasible to save today? It's a question that both you and I have been asking ourselves this year and to which there is not just 1 answer. In the following post we will talk about savings, types of savings and comparison versus investment from an empirical point of view.
We will skip defining what savings is, because we all at some point in our lives knew its meaning, in my case my first approach was as a child without knowing exactly what it was. When I was a child, my grandmother had a store where she sold candy, sweets, sodas, among other things, so while I was at home I helped her sell, at the end of the day she counted the money, took some of it and kept it in a piggy bank, which she broke as time went by and used that money to buy things. As time went by, I grew up seeing this example and I began to put it into practice when I was given my allowance, or when I had some change left over after buying something at the school canteen.
This was later used to buy more candy or other more expensive treats.
Much later, as an adult and with my first job, I used the savings to pay for college, courses, buy clothes and even attend digital marketing workshops.
This means that, although saving is a voluntary action, it requires certain habits that facilitate its implementation throughout our lives. According to its function, there are several types of savings, such as:
- Saving for emergencies: This is usually the type of savings that you and I prefer not to have, for obvious reasons.
- Saving for an objective: Taking a percentage of your income and allocating it to a specific activity or purpose.
- Cushion savings: Generally used as a backup for unforeseen events such as: becoming unemployed, migrating, etc.
In my case I do not use my savings in this way, I have my own criteria based on investment, and that is precisely what I will talk about now. Investment, in general terms, seeks to multiply or make something profitable, there are many types of investment but I will not go deeper into the subject because I am not a specialist in the area.
On the contrary, I will talk about what I have personally put into practice, how it has worked for me and how you could adapt or improve it as the case may be. It should be noted that everything I have said is based on my personal experience. Now, every investment responds to 2 forces that keep it in balance:
- The first is that it must be self-sufficient, i.e. it must generate profitability and capital growth.
- The second is rather a principle, which reminds us that first it is in order to be, that is to say, to invest you must first save.
Knowing this, the first thing I did was to use my savings wisely and make them generate interest, while using my digital marketing knowledge as a second source of income. A source of income that allowed me to not only survive during the coronavirus pandemic in 2020, but was also part of the seed capital for my venture in 2022. This series of actions have generated the current distribution:
You could take advantage of any skill you have, in case you don't think you have one, nowadays there are platforms where you can learn about:
- Copywriting
- Web Design
- Data Analysis
- Ecommerce
- Among others
With the monetization of these skills you will surely get your first savings and thus generate a positive change in your life, remember that there is not only one way, the important thing is to be constant. After having exposed all the above, do you think it is important to encourage the habit of saving in children? Let me know in the comments.
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- Traducción realizada con Deepl
- La palabra alcancía es sinónimo de hucha, según la Real Academia Española
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yo creo que debe ser un habito que enseñemos desde la infancia, para que cuando seas adulto no sea un sacrificio ahorrar
Te apoyo y hablo desde mi experiencia, a lo largo de mi vida he tenido amigos que se les es imposible ahorrar a corto plazo, y no estoy hablando de grandes cifras😬