Técnicas para pronosticar nuestro gasto: presupuesto tradicional

Curso de Presupuesto y Flujo de Caja

Introducción

Introducción y objetivos

Cómo entender nuestros ingresos y gastos

Por qué gastamos más de lo que ganamos

Controla y administra mejor tu ingreso

Tipos de ingreso

Cómo sacar el máximo provecho de tus ingresos fijos

Cómo analizar tus ingresos variables

Identificar estacionalidades

Cómo sacar el máximo provecho de tus ingresos variables

La ciencia del gasto

Tipos de gasto en nuestras finanzas personales

Estrategias a aplicar para cada tipo de gasto

Cómo tomar el control de tu gasto

Técnicas de registro de gasto

Cómo planear para el futuro

Técnicas para pronosticar nuestro gasto: presupuesto tradicional

Técnicas para pronosticar nuestro gasto: presupuesto por defecto

Técnicas para pronosticar nuestro gasto: flujo de caja

Tutorial de Herramienta de Flujo de Caja

Cómo analizar nuestros resultados

Cómo corregir y optimizar

Estrategias para corregir y optimizar nuestro gasto: ordenar preferencias

Estrategias para corregir y optimizar nuestro gasto: alternativas sin dejar de gastar

Estrategias para corregir y optimizar nuestro gasto: gestión de deudas y activos

Cómo cumplir nuestro presupuesto: retos y mecanismos de compromiso

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Resources

How to align expenses with personal values?

Every step in our financial journey is an opportunity to reaffirm our values and principles. Aligning them with our spending is one of the most powerful moves we can make to take control of our finances. This involves validating that every peso we invest reflects our personal and financial priorities. One of the most effective methods for this is to keep a record of expenses, exploring various alternatives, from a notebook to a spreadsheet or applications designed for this purpose. The key is to find a practical tool that makes it easier to manage our expenses.

What tasks are key to controlling our expenses correctly?

Taking control of our expenses involves following a path divided into four main steps:

Align values with expenses: The first step is to make sure our expenses are in sync with our personal values.
Record spending: Continue to keep detailed track of how and where money is spent.
Budget: We look into the future to predict and plan the use of our resources.
Adjust and correct: With the information gathered, we make the necessary changes to stay on track.

What is traditional budgeting?

In the journey toward better financial management, the traditional budget is a classic tool that remains relevant. This conventional approach focuses on projecting our income and expenses over a given period, usually a month. With this method, we add up all our income, subtract savings as if they were an additional expense, and then deduct total expenses. The result will tell us whether we have a surplus (surplus) or a deficit (lack of money).

What are the advantages and limitations of traditional budgeting?

The main attraction of the traditional budget is its simplicity. However, it faces certain limitations:

It is one-dimensional: It only shows a monthly picture and has no variability over time.
It assumes simultaneity: It assumes that income and expenses occur at the same time, which is rarely the case in real life.

To overcome these limitations, it is essential to:

Adjust and customize the budget to our specific needs.
Consider non-recurring expenses by dividing them into monthly parts or creating separate columns to reflect both the monthly and annual summary.

How to handle non-monthly expenses?

A crucial part of budgeting effectively is managing expenses that are not presented monthly, such as annual insurance or property taxes. There are two recommended approaches:

Monthlyization of expenses: Divide the annual expense by 12 to treat it as a monthly commitment.
Dual budgeting: Create separate columns in the budget to differentiate monthly expenses from annual expenses.

Both alternatives are valid, but the choice between them depends on which one best suits our comfort and financial style.

What's the next step in improving personal finances?

While traditional budgeting provides a solid foundation, it is important to be open to exploring other methodologies. Before deciding if this tool is the best fit for our needs, it is advisable to:

Analyze what information is easy or difficult to record.
Evaluate whether some expenses do not fit well in the format.
Adjust and customize categories to accurately reflect our economic reality.

As we move forward in this process, let's remember that financial education is continuous. Let's keep exploring and learning to find the tools that benefit us the most. Cheer up on this exciting journey towards a more conscious and controlled financial management!

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Cristina Belén Guzmán Ortiz