Aguinaldo y recursos extras no se debe de gastar en periodo navideño, se debe guardar una parte.
El doctor Flavio González Ayala, coordinador licenciatura en Comercio y Negocios Internacionales, que imparte la Facultad de Economía, recomendó a los potosinos, ahora que se recibirá el aguinaldo, invertirlo en pagar deudas, prever gastos del próximo año y ahorrar, para sobre llevar la cuesta de enero.
Indicó que ahora que se recibirá el aguinaldo, es muy importante considerar que no se debe gastar de más: “cuando recibimos dinero, la mayoría de la gente piensa que es un recurso extra que llega para gastar en vacaciones, regalos y cenas de Navidad y Año Nuevo. Sobre todo, uno considera que con el aguinaldo se tiene más dinero”.
Sin embargo, lo primero a considerar es que el aguinaldo y el salario se reciben en la primera quincena del mes de diciembre, y para algunos trabajadores la siguiente recepción de dinero será hasta el 15 de enero: “entonces, durante un mes no habrá ingresos, y se tienen que considerar además los pagos del mes de enero, con gastos como la luz, agua, despensa, y en algunos casos la renta, así como gastos fijos que considerar”.
Resaltó que al recibir este dinero, una parte importante a tomar en cuenta es el ahorro: “se recomienda que del 70 por ciento de ingresos que uno recibe, el 30 por ciento se destine al ahorro; pero en realidad, la mayoría de las personas en México, hablando de más de un 50 por ciento de pobreza en el país, esto no se considera, porque se vive al día a día. Estamos hablando de una clase media, media-baja, u obrera que recibe un aguinaldo, y que a pesar de que hay muchas fiestas y cenas en el mes de diciembre, hay que considerar los gastos extras que parecen ser inevitables”.
El economista indicó que lo importante es hacer un presupuesto destinado a los gastos en cenas, regalos y ahorro, pero sobre todo de pago de deudas, y tener una organización financiera con el salario y el aguinaldo que se recibirá.
“Es importante considerar un presupuesto, y tratar de reducirlo, porque uno cree que tiene más dinero y que puede gastarlo. Mucha gente acude incluso a las tarjetas de crédito, gastando de más, y luego viene la cuesta de enero. La invitación para todos los potosinos es que consideren gastos fijos del mes de enero, porque muchos tendrán otro ingreso hasta el 15 de enero, tratar de ahorrar en la medida de lo posible, así como también no gastar de más y pagar deudas. Recordemos que son fiestas de celebración, que deben ser austeras y sin darle tanta importancia al materialismo. Es importante gastar lo necesario y no más allá de lo que no tenemos”.
El doctor González Ayala destacó que es muy importante considerar que entrando el año se vienen los aumentos de la Reforma Fiscal, con gravámenes que se cobrarán a la mayoría de los mexicanos, por lo que es importante administrarse para estos aumentos: “lo que se prevé es que los impuestos serán más elevados, y también viene el aumento de la gasolina”.
Una recomendación importante para estas fechas, es saldar las deudas: “es importante tratar de liquidar las tarjetas de crédito y los créditos, ir disminuyendo deudas para que se liberen los gastos del próximo año.
Recalcó: “hay que tener una salud económica, tratar de reducir deudas y no deber. El problema de las deudas es que los ingresos se reducen, entonces, cuando uno llega con niveles de cero deudas, los ingresos se pueden distribuir mejor. Pero en la mayoría de los mexicanos, el problema son las deudas elevadas que tienen y que no prevemos. Debemos hacer una cultura de prevención en lo económico, para poder avanzar”.
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