Cumplir nuestras metas financieras parece ser un reto constante en nuestras vidas y seguramente en muchos casos no se cumplen como tú esperabas.
Expertos del comportamiento del Common Cents Lab han realizado experimentos para analizar nuestro comportamiento de gasto y han identificado 3 trampas en las que caemos que hacen que nuestros presupuestos no se cumplan.
Trampa 1: No somos buenos estimando gastos a futuro.
Los estudios arrojan que subestimamos nuestros gastos futuros por un 15%, es decir, nuestras estimaciones tienden a ser menores al gasto final, además de que dejamos muchos gastos atípicos fuera.
Un dato interesante de esta trampa es que entre más distante sea el periodo de gasto, más errónea será nuestra estimación.
Solución: Usa reglas simples para tomar decisiones, como “solo comer afuera una vez a la semana” o “ahorrar 500 pesos cada mes”. Trata de que sean reglas que puedas cumplir y apégate a ellas.
Trampa 2: Destinamos el dinero extra a todo, menos a cumplir nuestras metas.
Esta trampa tiene que ver con la contabilidad mental y cómo categorizamos el dinero. Si contamos con 100 pesos nos debe servir para adquirir lo que queramos, independientemente de donde viene. Sin embargo, esta comprobado que si nos dan una tarjeta de regalo, vamos y gastamos más de lo planeado en un “gustito”.
Solución: Los expertos recomiendan hacer un plan detallado de tus intenciones con el dinero extra que recibas. Idealmente deja este plan por escrito en alguna parte y que sea lo más detallado posible.
Trampa 3: Le damos un valor alto al presente y muy bajo al futuro.
A esta trampa se le llama descuento hiperbólico y por esta razón destinamos dinero a cosas del presente, aunque no las necesitemos, y por otro lado descontamos dinero de nuestro posible ahorro a futuro.
Solución: Los expertos sugieren automatizar tus decisiones financieras, como hacer los pagos de deudas de forma automática o automatizar un ahorro cada mes en tu app de banco. Esto ayudará a limitar tus malas decisiones financieras.
El año aún esta comenzando, esperamos que con estos consejos puedas tomar acción y estar más cerca de tus metas.
27 comentarios en “Cumple tus metas financieras evitando estas trampas cognitivas”
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