I am delighted that the plans go well.

On Sunday morning I went to get a cable to a friend who organized a sporting event. My job was to teach, to print and sell the photos to the parents of the participants in the tests. At the end of the photos that we had been sold, were 56 and asked him if that were great or small. (I wanted to know if he had done well as my work and my face was enrobinada of business) and their response was that no idea, they had not done so ever before and that they had not done any planning or anticipation.

I had to bite the tongue so as not to leave the forum and financial partner that runs inside tell us what is important for the planning and setting goals and objectives.

If I do not know where you want to get there, as you know if you go right?
If I do not know where you are going, like to know the direction to take?
¿Gano enough money? Well, I guess that is a function of the money I need right?

Sometimes it may seem that the "Planning" consists of lengthy meetings that are held in glass skyscraper by chic s JASPE @ @ s and senior ejecutiv, and where giant whiteboards are used where more arrows are drawn into the arms of The Falange, but planning is much simpler and is a very healthy exercise and especially necessary in lean seasons.

You just need an Excel, a first column with the concepts of income and expenditure, and a front row with the months of the year. Exploring a bit by the bank receipts and extrapolated to apply the CPI over the past consumption, try to know the future, reducing uncertainty for decision making and increase our level of success.

Can we have a child? (Economically speaking)
Can we change the car?
How much we will have saved at year's end?

We raise a fictional situation.

Two mileuristas 1050 +1050 net monthly pay 1000 € mortgage, have two cars, with its two insurance revisions and gasoline, plus all the water consumption, electricity gas, etc ..., eat and smoke, and they want to dine out two times a month. They take coffee in the bar every day. Have in the bank € 500 saved in advance

A priori, it seems that will not be able to keep the train of life they seek, let alone save. One afternoon, preparing a cafetito and sit at the computer, with the bank's archive on the table and begin to review expenditures of the previous year, and will fill a table. Surprisingly get the numbers better than we thought, and even decide to create a new line savings.

To sample a button:

As you can see, there are months when the monthly balance is negative, meaning that spends more than what is paid, and a month including the bank balance is negative (April) but it is a balance (125 €) that could be overcome without problems paying on credit purchases of the last month (the cards are not bad, we bad).

Observe that are not included or playstations, or gps, or shares a serie1 ... etc, as each family unit should know where to reach their economic potential and not stretching his arm over the sleeve to tighten the noose no more than the account .

If the forecasts are fulfilled, having met the minimum consumption, despite having completed concept as "costs not covered" 100 € per month (which does not happen remaining balance for the next month), can reach the end of the year with a deposit 4000 € and a balance in the bank account from 1850 €. This will allow us to purchase for cash at the beginning of next year a play, a plasma or take no more troubles raise the quota.

Another thing worth noting is that in order to lead a balanced life financially, the overtime pay should be preserve, or at least partially, as well as repayments of finance. Pateárselas is financial suicide, since the slightest unforeseen, will force us to enter the "great ball of fire" of the credit. The months in which there is extra income, is played with the savings to divert funds into the deposit and not fall into temptation unnecessary in the mall if they have too much balance in the account.

It is true that the planning for this jump, but if we are going to monitor our monthly or quarterly statement of accounts, and comparing it with what we had anticipated, we can get to know if we are good or bad. For example, it seems no one trip, but how much we can spend?. With the table is made of matter begin to change numbers on the table to know whether we should cut back on another site and the impact that spending the extra round of the needed vacation.

Sometimes concepts truism, but only that the speech "that someone would take the idea and be surprised, there will be worthwhile.

And finally the usual press summary:

Greetings.

(5 votes, average: 3.8 out of 5)

Loading ...

Written by Oriolrc on September 8, 2008 with 198 points.

Pages: [1] 2 3 4 '

198 reviews

Read the comments left by other users below, or:

Leave your comment

Pages: [1] 2 3 4 '

# 1 Pac

September 8, 2008, at 9:22.

Good morning, everyone s!
Carlos thank you very much for today's article. You are certainly right that the simplest things are sometimes the hardest to see. If all we were planning and simple, there would be fewer problems to reach the end of the month.
Greetings

+14

# 2, Mano H20

September 8, 2008, at 9:22.

Hello everyone:

As far as possible I would like to be able to read the commentary 235 on Friday to better understand where I am now.

I am among those who think that in this life is important to take decisions. Some were successful and other times you get screwed up, but in any case it is better to stay in fact an eternal indecision. And, in addition to making decisions, it is important to bear the consequences that are generated with them.
I do not pretend, C. Lopez, reopening a debate but rather the contrary, close it. At least on my part.

Last Thursday I decided to incorporate a comment made the previous day and night, on the part of LEON. This comment was the subject of debate right on the part of the vast majority of the participants and subjected to insults and disqualifications on the part of a minority. It was questioned its appropriateness or inappropriateness in this forum, it was questioned whether or not their relationship with economic issues and generated the need to stop talking about the issue further and to remove certain comments lacking any reasoning or education.

If I may, let me cite two examples to illustrate what I'm saying:

Case 1: The September 30 2005, the director of the Danish newspaper Jyllands-Posten DECIDES publish 12 cartoons of Mohammed in his newspaper, entitled "The Faces of Mohammed".
Something like 72 hours later, several Islamic terrorist organizations "requesting" that all the Nordic residents in certain Arab countries, the leave. Riots occur, outrages upon the Danish flag, attempted attacks on embassies, persecution Nordic citizens, and, unfortunately, several people are killed in these riots. The issue is no nonsense.

Case 2: A few days ago the director of the British newspaper "Financial Times" DECIDES to authorize the publication of an article in which we are again described as "pigs" to the Portuguese, Greeks, Italians and Spaniards. (The content of the news is economic in nature)
Last week I made a comment on the subject. I am pleased to see that a Spanish press association issued a statement of protest addressed to the director of the Financial Times. Obviously the people of these four countries we do not jump out into the streets to burn embassies or English encorrer to the British.

These are two diametrically opposed reactions to two similar cases, articles which may disturb citizens of certain countries or profesantes of either religion or belief.

I think the reactions in this forum, the comment rescued from LEON, were more than 95% reactions similar to those of the case 2. I think that a minority of churlish would derive a response similar to the case 1. Insults, disqualifications, and so on.

Perpetrators of this BSG took his own decision. Cut so healthy and decided the next day remove the comment from LEON as a comment of the week. Share, or not, this decision obviously respect the 100%. Carlos Lopez took his own decision and that is important, from my point of view.

I asked the very public apology Thursday for having rescued that comment, because I did not expect, despite what the controversial issue, which no one answer as a energúmeno. (See comment 148 of Thursday).

But the most unfortunate of the issue, for me, was seeing the reaction of the author's own commentary on Friday decided to abandon this forum. (Comment 235 of Friday).
Several people have urged him to reconsider that decision and I certainly endorse the same request.

And again, and because in any case I believe coherent and responsible for the consequences of my own decisions, I'm the one who decides to opt to participate in future in this forum but there is no change its mind on the part of LEON. I got into this mess, I feel responsible for the decision to be taken from here and ask him to reconsider and rethink the decision.
I think that since the discretion to a few hours late and with due respect, it has always been dedicated to freely express their opinion on various topics. Share, in most cases, their views and ways of expressing them.

As he said in a commentary Carsola, I think you can talk freely on many things, that the purpose of this forum is not limited to words: the Euribor was at 5323 yesterday and today to 5322, which, however, has dropped one-thousandth, uncork champagne, or that bad because it should go up to 6%.
Luckily I think that this forum goes far beyond that. C. Lopez has currado for a long time, will have had successes and mistakes, like everyone, but in any case has succeeded in maintaining an open, with free entry, in which many people, increasingly, they express their views on any subject in one way or another affect the economy of the day. And always with due respect to the opinions of others and despite the fact that the views are absolutely opposed.
Except for a minority of exalted that unfortunately are only able to deliver braying, and do so in public or in private.

What was said LEON, I hope you reconsider your position. I reiterate my apologies for making use of an unrelated comment without permission and I hope it can continue to enjoy your insightful comments.

For my part, and pending the decision made by LEON, a cordial greeting to everyone, including those who have expressed absolutely against my views and comments.

I hope it is a bye, and if not, even if at all.

PD .- And before I say my dear and always right Flipper, this is not tactics on my part of Pericles. And please, that said, and even if it appears to truism, to continue the forum on his bed with the usual rule of the day and the normal reviews. Thank you.

+71

# 3, raulillo

September 8, 2008, at 9:27.

Very good box carlos. I've saved a lot of fishing.
Than good.

Buenos dias.

# 4, Pere

September 8, 2008, at 9:29.

Good morning,

Secundo totally article (excellent as always). With good planning will achieve the objectives and targets set. In general, neither plans nor españolito half looks back, and so will we.

I leave with you a very illustrative post on the psychology of the investor, this time in tune with this article, spoke on the weather.
An investor psychology - Weather

# 5, Nadal with 400 €

September 8, 2008, at 9:33.

And yet we are trying to fool ...

We want to sell the idea that the princes are young and handsome, and they are like any couple from Spain. But they built a palace of € 4 million, paid to play tile, the other when we propose to live in zulos 50 mtos and comfortable monthly pay in 1000 to 50 years and turkeys consume little because there is a crisis.

We intend to sell the idea that the princes are ordinary citizens, but have the children they want and when they want. When the genuine citizen, can not have children yet still, for fear that the throw his wife from work to become pregnant as it is not fixed, because they pay rents and mortgages or bulky because food and other commodities, rise day after day.

We sold the bike to the constitution, writing that every citizen has the right to decent housing. Thank God that at least we have it right, because since then housing did not. If we have to blame us for misinterpret a phrase, is that if we are pallets, which are not party to get our efficient public education system.

We show people the royal family as humble, generous and committed to the problems of citizens. But I can see, in the same television program, tragedies of people hit by the crisis, they lose their homes, which are diseases which can not afford their treatment and 5 minutes, leave the house to any real cloth, yachts, meals of lobster and caviar up, private planes, places ... dream palaces.

We want to sell the idea that the government is preparing some austere budgets, freezing salaries to its senior members, but do not tell us is that autoasignan salaries of up to € 6,000 + + per diem travel expenses + + with all that thefts. Nor does it say that the salary of many mileuristas is frozen for years and lost purchasing power. It's like when you have only half the joke because you already knew.

We are trying to fool saying that we have a public health and quality, but my wife calls for a gynecologist appointment and is given for 15 days, and if the luck will serve him or rendezvous for another 15. At the end you have to go to a private for simple negligence. The royal family, has the best care in clinics more expensive, you'll see them queuing up on Social Security in his life.
Do not you know who has paid the Leti rhinoplasty? if I've already responded ...

Hypocrisy and cynicism raised to the maximum power in a country of paella, castanets and tambourine.

We are the shame of Europe, quite rightly.

+127

# 6, Sergi

September 8, 2008, at 9:33.

Let me qualify that I understand that the items from Monday unless the type carlos, if not a collaborator.

# 7, Controller

September 8, 2008, at 9:33.

Serious risk that kind of planning in the sense of anticipation that maximizes revenue and is not very prudent in drawing up charges. Lack expenditures that while many are not commodities, are common:: Clothes, phone, Christmas, birthdays, ...

Cuidadín, cuidadín

+62

# 8, Pepe

September 8, 2008, at 9:40.

But very very good article, people should practice more of this simple exercise you've done and revenues and expenses that insurance does not become a mid-month to month-end by calling the Poplar and sausages because they are not a fucking hard and have no more to eat.

Sometimes we liam the blanket with the accounts of the family economy and the end is a simple "account of the old"

Greetings.

# 9, scolomo

September 8, 2008, at 9:44.

I agree that the anticipation of the example is quite optimistic, and who have remained in the dark a few costs, apart from a few others that are covered, I find a little unattainable (36 € Light bimonthly ...)

In any case I do not think the article should serve as a template, if not as dissemination of a concept that certainly is right. "Budgeting" Home Economics is a healthy exercise that helps contain costs and to become a reality coup excel.

+21

# 10, to jose

September 8, 2008, at 9:47.

I maintain a spreadsheet so since 2001, organized by year, with calculation of annual increases in each concept. I could tell you how much I spent on water bills in the year, say, 2004, in a couple of clicks, and also to know how much I have uploaded the share of the mortgage over the past year, as well as to know what percentage of annual income will I eat each concept. And the truth is going very well. At the moment I know how much I'm going to pay the mortgage next year and I assumed% of annual income. Always know what I can spend and what not, and I know how many fixed expenses each month. While certainly not yet include spending on food, is something that I have not yet done, but it is not easy, because sometimes you pay by card, sometimes paid in cash, and so on. It is easier to control what you pay by direct debit.

A greeting.

# 11, Carlos Lopez

September 8, 2008, at 9:48.

# 6, Sergi
Indeed, the compliment and insults of today are going to Oriol, the collaborator on Mondays!

+12

# 12, marathoner

September 8, 2008, at 9:51.

I read the post this morning, and although it appreciates the intention and that is what the excel is not going to go well, and that is what the role holds everything, even buildings.
The future is uncertain and to fret with the planning of this style is easier than you think you are, though that itself is a necessary exercise for at least be clear about where our money is escaping.

# 13, V. Gerulaitis

September 8, 2008, at 9:53.

Good morning.
I agree that economic planning is very important. I also have a grid similar to comment, except that by the time I did not need a spreadsheet (touch wood).
However, all plans are going to fret if the ECB rate rises two points in a year or so, and of course, it is not surprising then that there have to pull staff from companies such as "I love grouping all your debts and you refinancing, and in return I will suck up the marrow, pa 'remains. "
Speaking of planning, what Fannie and Freddie, What is it?
Planning does not, of course.
Government intervention to save the USA desaguisado me sounds like other countries where Dad controlled the entire state.
Seeing this, I can only think that what the economy is an invention of man that does not work properly and that only benefits those who handle inside information, either because of their proximity to governments, or by other means.
Salu2.

# 14, Engineer

September 8, 2008, at 9:54.

200 € for 2 people to eat in a month:

(200 / 2) / 31 = 3.23 € per person per day

Donate ¿buy, what they eat?

We are 4, an infant is therefore 3, our spending on food are around 1,000 € / month

(1000 / 3) / 31 = € 10.75 per person per day

We have to have breakfast, lunch, snack and dinner, is what has the body.

+90

# 15, Breogan

September 8, 2008, at 9:57.

I think that is irresponsible, not by a lot of board of Excel that is made will be able to be controlled. I work with the public and I see that seem mileuristas ministers, always hung to maintain their standard of living. People who have curiosity or interest in reviewing its costs and is usually meticulous and cautious with them.

On Friday I saw a woman wanted to pay 90 € with a card that will split the payment in 3 months and was annulled. And with the debit card could not pay because he did not have that money in the bank.

Fortunately, few such cases that I see, but very dramatic.

+19

# 16, Kane

September 8, 2008, at 9:57.

I'm with Pepe that for me is also quite optimistic the road excel, but it is a major breakthrough. What's interesting is to see the steps they would take a couple if performed earlier this year that excel sheet and then will not meet the forecasts on a monthly basis.

# 17, Flipper

September 8, 2008, at 9:59.

Mileuristas not you toméis box salgáis home ownership and to hold that you can save. Bring on your own and do not forget any expenditure (# 7 CONTROL: clothes, phone, shoes, mobile), nor forget that if the cars are there will be need to make a sinking fund, because if you do not have to change them when they will have to ask Credits (depreciation of a car, 150 € / month, to be unwise).

# 2
Look who you are, uh, Hand Water and Leon, I'm also hoping to take off the habit of writing here and why not blame anything or anyone. If you want to stop writing and do it now. Sure, you're jealous of Leon and you also want you to spend Carsola verses, right?
Anyway here does not write so long, what is more removes all entries that you do daily monitoring of the forum and follow-up to the rating that you give to your articles (nearly hit, eeeh?). If you quitáis these flaws (if we remove), I think we can continue to write even one entry daily. I think this is what Carsola well-controlled, writes more than you and I think you lose less time. Do (do) like him.

I say that that pensions in this country is not that they are not buoyant, as well as many other things, but in these times of crisis, just as it had been necessary to readjust the electoral promise of full employment, we must readjust Like many others, as a 25% rise in pensions in 4 years. It is true that rice has risen by 20% in a few months, but with so many people on the dole, many mortgaged, both bank at the edge of the abyss, so many companies in composition, the rice goes up for everyone, not only for pensioners, etc, etc, etc ... I am not saying that is not a bad measure raise pensions by an average of 6% per year, but would not it be better perhaps to help, at this time point, to the productive sectors of the state?

I do not know, do not clear to me, I leave for discussion.

+20

# 18, Retranchetillo

September 8, 2008, at 9:59.

"We sold the bike to the constitution, writing that every citizen has the right to decent housing. Thank God that at least we have it right, because since then housing did not. If we have to blame us for misinterpret a phrase, is that if we are pallets, which are not party to get our efficient public education system. "

We have the right to adequate housing does not mean that we do not have to the win, I do thank you very much when you're on TV the typical person who says "I just want you to give me a house to live," let's see, having a house costs a lot of work, much sacrifice and long hours worked in anywhere, not give us, but nobody would have mortgages or suffering the least, let us give to all, no?.
To the extent of the Monarchy, I am a royalist, I love, however, only needs to be maintained to the kings, children grandchildren, and other townhouses biznietos I feel very strongly that also live like "kings" when it is not, when I touch if you touch them and it will be.

+13

# 19, Mgm

September 8, 2008, at 10:01.

I enjoyed today's article, and frankly, I think that should be included in any subject in schools, along with other domestic financial matters.

Bravo for the article!

+16

# 20, Hanjel

September 8, 2008, at 10:04.

Excellent article Carlos, me toward something similar but without the level of detail, just cost / income ... and I take them to 6 years .. I go and see it as evolving over the years ...

a greeting

# 21, jon

September 8, 2008, at 10:05.

Hello Good morning, everyone!

How do you explain, is that what you eat for the couple spent only a month in food 200E?, Birdseed?.

A hug to everyone s.

+30

# 22, Purification

September 8, 2008, at 10:06.

# 21, jon

So eat day in and day out at home by parents, I guess, and the 200 euros they will go into breakfast and yogurt, because if not ...

+15

# 23, Luis

September 8, 2008, at 10:08.

Forgive me dear manager but that budget is a fantasy, so if you if you do not turn on the light, not consume gas (te Pelas of cold in winter), do not pay insurance nor of the house, and especially with 200 Euros eat, tell me where it should be make the purchase, or chopé as I said in there, and another thing where they pay overtime?

thanks

+25

# 24, Dani

September 8, 2008, at 10:11.

I do something similar, but larger in number ... simprelemente to see expenditure is not fixed or basic movements and detect strange ... but my grandfather always told me that the best planning, is the most basic, each month spent more than 1 penny less that the mood ... is a way to talk .. from time with 1 peseta was going to the movies .. but the idea is very good!

# 25, Flipper

September 8, 2008, at 10:14.

# 22 Puri
Ah, now I see more clearly what the rise of pensions ... is to continue the children going to eat at home with parents, jejej

+28

# 26, Carlos Lopez

September 8, 2008, at 10:19.

I think the data made as an example are the least important of the table, what is really interesting is the concept and not stay in the story of € 200 in food.
Sometimes when we think about planning costs us a lot of sloppy thinking about entering spreadsheets horrendous and complicated, but as you can see is easy.

+44

# 27, Rafa

September 8, 2008, at 10:24.

I liked the planning, but you are missing two details (at least) that are very important: The clothes (everyone has to go to the BBC (weddings and baptisms Communion), and expenses of the children (if they have ).

But even so it is very good.

Greetings and congratulations on the comments who do.

# 28, Ano-mum

September 8, 2008, at 10:33.

I had a similar excel, but I am tired of pointing all over each month.

Now I do is sign up the remaining todasmis accounts on the same day of each month.

# 29, Manuel Montalvez

September 8, 2008, at 10:35.

Forgive but 200 euros per month on food, not eat grass as the gutters or cañamones, no ... ... .. Unless that man 700 euros. As note that you will not make the purchase to your super.

-11

# 30, Forecast

September 8, 2008, at 10:36.

The article I found very interesting and recommended. I carry a piece using similar estimates, and I was now essential.
For that is not "optimistic" as many here put it is necessary to reflect everything, everything. For example, the budget for the purchase of food, always give you a ticket purchase. If every ticket you then enter a default on a sheet with your date you calculated in a very tight spending daily in supermarkets. Is extrapolated and ready. With clothes something happens like that.
Always unforeseen costs may arise, some with several months in advance. You have a row for them, as they know they get in the corresponding month. It is always a much better option to have it loose on the head.
Do the potential increases in the Euribor? I now have a row in anticipation of the Euribor. If you want to have your wise I anticipate that will go up each month a 0.05% and playing only one cell I upgrade all future mortgage payments.
These sheets are only optimistic if you want or if it is neglected.
I recommend everyone take a leaf because, although the principle is laborious create it, everything that calculates the road saves you from mental arithmetic. Put another way, what does not fill in the road you have to do it in head, eye, with many more options and forget things wrong.
A greeting to all.

# 31, sirialuna

September 8, 2008, at 10:36.

Hello everyone, absolutely agree with the article mileurista me and my partner a little less mileurista, we get the money and we save a lot, and we auón world to whims, I have always said that this e sfrutode planned as indicated in the forum , vamos los dos al gimnasio tenemos telefono y fibra óptica en casa y estamos hipotecados, pero no tengo dos coches, tengo uno que esta muy bien de segunda mano relativamente nuevo y pagado, (no pago coche) no me voy cada fnde a cenar, ni de vacacionesal caribe.
pero cada uno tiene sus prioridades habrá quien no vaya al gimnasio ni tenga internet y desayune en el bar todos los días, y otros que prefieran un coche nuevo. Pero la cuestión es planificarse los gastos del año y tener ahorrado para imprevistos.

un día ´me quedé un poco desconcertada porque conozco un amigo que cobra muchomás que yo, sin hipoteca ni alquiler y me comentaba que no llegaba a final de mes y yo no lo entendía la verdad, porque yo con el mió ya hago maravillas imaginaros con su sueldo.

se dice muchas veces no tiene el que más cobra si no el que mejorse administra, asi que insto hacer como clopez excel y una calculator
y ala administrarse.

+18

# 32 , Feliz día

8 de Septiembre de 2008, a las 10:38.

Por mucha previsión de gastos que se calculen, siempre salen gastos imprevistos(predecibles) cómo dice #27 Rafa, Bodas , comuniones y bautizos (éstas ya te rompen toda estadística para el resto de los próximos meses). También la nuevas derramas de la comunidad. (para los hipotecados, claro) .También por otro lado la vuelta al cole, Material escolar, matriculas, los libros ( con sus descomunales precios). En fin ya no es utilizar la hoja de cálculo, ya es hacer milagros.

Buen día a tod@s

# 33 , 2008

8 de Septiembre de 2008, a las 10:44.

EL EURIBOR ESTÁ PLANO , COMO EL ENCEFALOGRAMA DE ZP .

-22

# 34 , VICTOR

8 de Septiembre de 2008, a las 10:45.

nadie se da cuenta de que es orientativo

+40

# 35 , Paniagua

8 de Septiembre de 2008, a las 10:46.

Yo también me administro mediante algo parecido y así también localizo enseguida que gastos se me van de las manos de un año para otro, porque la subida del IPC del gobierno y la mía no tienen nada que ver. Mi teoría es que siempre me tiene que quedar un resto, aunque sea un 1% de los ingresos y nunca gastar más de lo que gano (excepto diciembre y enero claro), pues si esto pasa hay que hacer un reajuste y quitar algo prescindible. Claro que un día te sube la testoterona delante de un radar y se te va la previsión a tomar x …., pero eso hay que tenerlo en cuenta en el apartado de imprevistos, que suelen ser muchos… sobretodo con niños. Bueno un gran ejemplo a seguir…si lo cumples claro.

# 36 , funcionator

8 de Septiembre de 2008, a las 10:51.

Aún a riesgo de salirme del guión de hoy quisiera proponer a algunos de los autores del titular del día plantear próximamente alguna reflexión sobre esta cuestión que marco abajo con el enlace.

No es muy sorprendente en el fondo, lo veníamos venir, pero creo que eso no quita que como evento sea una de las cosas más trascendentes, singulares e irónicas que han ocurrido en el mundo de la economía, lo que le confiere un gran valor simbólico y de “momento”:

http://www.eleconomista.es/mercados-cotizaciones/noticias/739063/09/08/La-paradoja-financiera-mas-perfecta-de-la-historia.html

Culmina de alguna manera esa perversión que se ha engendrado estos últimos años en los mercados financieros y los órganos de supervisión, y me da que con el tiempo dará lugar a ríos de tinta en los medios y debate en la pólitica.

Además, en mi modesta opinión, creo que simboliza muy bien el final de una era, la del neoliberalismo, la cual a la luz de los acontecimiento de estos años creo que no le que absolutamente ningún futuro, al menos en la forma que tuvo hasta el momento.

Saludos.

# 37 , f. alonso en piso de 30 mtos

8 de Septiembre de 2008, a las 10:54.

#18, retranchetillo

“Que tengamos derecho a una vivienda digna no significa que no nos la tengamos que ganar, a mi me hace mucha gracia cuando sale en la tele la tipica persona que dice” yo solo quiero que me den una casa para vivir”, vamos a ver, el tener una casa cuesta mucho trabajo, mucho sacrificio y muchas horas trabajadas en donde sea, no nos la dan, sino nadie tendria hipotecas ni padeceria lo mas minimo, que nos la den a todos, no?.”
—-

Cuando dice vivienda digna, no se refiere a que te la tengan que regalar, sino a que una familia con sueldos normales, pueda comprarse una y que le quede para comer.
No te hagas el loco, lo sabes.

# 38 , Yo

8 de Septiembre de 2008, a las 10:57.

Señores, que es un ejemplo, no nos pongamos quisquillosos con las cifras concretas.

Como diría uno que yo me se: ¡Joder, qué tropa!

# 39 , Barrilete cósmico

8 de Septiembre de 2008, a las 10:58.

¡Qué gran post!

Una de las grandes aportaciones de esta web a mi vida fue la concienciación sobre la importancia de la economía doméstica (de ahí mis frecuentes defensas en otros tiempos sobre los llamamientos al ahorro por euribor up up), y la confección de un cuadro parecidísimo al del post para conocer mejor por dónde van los tiros de mi economía. A aquéllos que no lo tengáis, os lo recomiendo, incluso aquéllos que creáis que sois un desastre para estas cosas. Lo mismo pensaba yo, pero realmente te das cuenta de que es tan útil que lo vas llevando sin problemas.

La primera ventaja de este cuadro (con más epígrafes desde luego, para cubrir hasta el más mínimo gasto) es que a principios de año sabes aproximadamente cómo vas a estar al final del año, lo cual elimina de tu vida una importante cuota de incertidumbre. Tú haces tus numeritos en diciembre y ya sabes si te va a ir bien o mal (imprevistos aparte), por lo que sabes qué meses te vas a tener que apretar el cinturón, o qué meses puedes invertir en algo que te surja como nueva necesidad. De esta manera, un gran desembolso en el mes de abril no te afecta “emocionalmente” si ya lo tenías previsto, pues al tenerlo previsto ya habrás podido poner los medios para que no influya tanto en tu economía (si es posible, claro).

Es evidente que no puedes preverlo todo, pero dejando al margen reparaciones del coche o de la casa, bodas que se anuncian con pocos meses de antelación, y por supuesto el euribor (yo, al contrario que algún otro forero, soy incapaz de introducir una columna con la previsión del euribor… Sólo Trinchetibor sabe cómo evolucionará), lo puedes tener todo más o menos calculado. Si tienes 3 hermanos, un padre y una madre, sabes más o menos cuánto te gastarás en sus cumpleaños y en qué mes harás el gasto; si te gusta hacer un viaje por tu aniversario de boda, sabes más o menos el presupuesto que puedes manejar.

Algo que sí recomiendo es que, mientras los ingresos deben estimarse de manera rigurosa, los gastos es preferible “inflarlos” porque, por poner un ejemplo de algún otro forero, de repente un día te viene una derrama de la comunidad de 200 euros y te descuadra el mes. Por eso yo los gastos los estimo siempre en un 5% más de lo previsto. En cuestión ede economía doméstica es mejor ser pesimista para que no te pille el toro.

En fin que como veis soy un gran fan de estos cuadros, estoy todo el día actualizándolos, me encanta… Sobre todo porque me da total tranquilidad y siempre sé de antemano cuándo voy a tener que tirar más de “colchón”. ¡¡Poned un cuadro de previsiones en vuestra vida!!

+16

# 40 , Rey Quinito

8 de Septiembre de 2008, a las 11:03.

Yo, al igual que muchos, hago una excel con los gastos del mes y me sobran unos 100 euros al mes, y eso sin contar las BBC, una compra en el super que todos los meses me hacen mis padres, regalos y demás imprevistos.

Muy buen artículo, seguro que euribor upup encontrará la manera de reducir esa planificación de gastos

# 41 , Barrilete cósmico

8 de Septiembre de 2008, a las 11:04.

Por cierto se me olvidaba decir algo importante,

como único punto “negro” del post de hoy, y en contra de la habitual prudencia de estas páginas, me sorprende que euribor.com resalte los posibles beneficios de la compra a crédito, considerando la posibilidad de que una posible falta de liquidez para un “caprichito” se puede superar tirando de Visa (o al menos así lo he entendido yo). Para mí, la tarjeta de crédito es algo que tengo en la cartera para situaciones de absoluta emergencia vital (vamos, que la he usado 2 o 3 veces en toda mi vida), y creo que aunque puede ser útil en un momento dado, tenemos que intentar “ignorarla” y no contar con ella como algo normal o habitual porque puede hacer que nos acostumbremos a vivir por encima de nuestras posibilidades (lo cual puede ser muy negativo a medio y largo plazo).

# 42 , Anónimo

8 de Septiembre de 2008, a las 11:05.

… Si realmente tuviesemos derecho a una vivenda digna ¿El IBI que sentido tendría?
Si echais las cuentas un 0,85% anual del valor catastral no es moco de pavo…

# 43 , Flipper

8 de Septiembre de 2008, a las 11:09.

Que digo yo que respecto a las políticas sociales… ¿no nos estaremos equivocando?

En China son 1300 millones de chinos, un país de 9,5 millones de km2.
Aquí somos ya 46 millones en unos 500mil km2. Si extrapolamos datos y hacemos crecer España hasta el tamaño de China, creciendo proporcionalmente la población, tendríamos un país de mil millones de españoles. Si igualmente nuestros recursos naturales los hacemos crecer proporcionalmente, no se acercarán ni de lejos a los de China, teniendo en cuenta que aquí no tenemos nada, porque salvo sol, paella y toros, ya me diréis qué tenemos aquí que podamos aportar al resto de países desarrollados que no tengan ellos, ni dentro de la comunidad europea. Como no volvamos a las minas a sacar carbón, ya por no tener no tenemos ni mano de obra barata, que es por lo que nos han buscado antaño las multinacionales. Y el turismo que cada vez le clavamos más al extranjero por la paella en la playa, y la “fiesta española” que cada vez es más europea que nunca.

¿No seremos ya demasiados en este país? ¿en pocos años quién va a pagar a todos los niños que tenemos, los ancianos, parados, estudiantes…? ¿hay que seguir incentivando nacimientos con 2500 euros? ¿incrementando pensiones que a futuro ya no van a ser tan tercermundistas sólo siguiendo la línea actual? ¿y los gastos de seguridad social que supone eso?

Ya sé que esto que digo es tremendamente antipopular, pero ¿alguien ha puesto todos esos datos en una hoja excel y ha echado cuentas de en dónde vamos a estar dentro de una o dos generaciones?

Supongo que la única manera de sostener un sistema que camina hacia lo insostenible, es seguir creciendo, aunque ello suponga seguir caminando hacia el abismo, la única solución es generar más trabajadores cotizadores para el futuro a corto-medio plazo (que aseguren impuestos suficientes para cuando se jubile todo el “boom de natalidad” de los años 80), aunque suponga seguir incrementando ahora y siempre el sector joven no productivo, ya futuro asegurarnos una tercera edad siempre en aumento.

Necesito que alguien me contradiga, a ver si me tranquilizo un poco de todo esto que pasa por mi mente demente.

# 44 , jdx

8 de Septiembre de 2008, a las 11:13.

# 14 , Ingeniero
1000euros para comer 2?????????????????????
joer…. aver, ni 200 ni mil, sois 2 extremos opuestos.
nosotros somos 2, comemos bien, te lo aseguro, y no pasamos de 300euros mensuales. (contando limpieza y todo eh?)

# 45 , Kens

8 de Septiembre de 2008, a las 11:14.

Señores, los que no se qué comen son ustedes para necesitar más de 200€ al mes para una pareja!!! En mi caso mi pareja y yo hacemos una compra semanal de entre 20 y 25€ lo que nos resulta un total de 100€ y 150€ los meses que hay algún extra. La verdad es que las marcas blancas dan mucho de si sin escatimar en la calidad. Cuando hay oferta de pasta en el súper que sea para allí que nos vamos a comprar unos cuantos kilos (la última vez 10 kilos en el Eroski) y ale, a ir tirando de ahí. Lo mismo con caprichos como la cerveza, que pasamos por el Carrefour y están a 0,18€ la lata, pues me llevo 4 packs de 24 para tener una buena reserva. Hay que ingeniárselas para comer barato señores, y se puede, se lo garantizo que se puede. Además consiguiendo una buena alimentación! Comemos verduras, pasta, arroz, carne, pescado y frutas, bien variado. Y no me digan lo de que hacemos la compra en casa de nuestros padres porque si, de vez en cuando recibimos alguna ayuda, faltaría más, pero no es algo habitual o periódico.

La diferencia la tengo muy clara, en el súper me encuentro todas las semanas con parejas que llevan el carro lleno de Coca-Cola, yogures de Danone, pan de molde Bimbo, fuet Casa Tarradellas, mermeladas Hero, la horchata Chufi, el Colacao, las madalenas de marca, el Cillit Bang para limpiar, la nata líquida RAM y un largo etcétera de marcas cuando en la mayoría de los casos que he enumerado el producto que hay justo al lado y que es de marca blanca es el mismo!!! Con diferente embase pero el mismo!!!
El cacao en polvo de Carrefour es Colacao y un embase el doble de grande vale menos de la mitad que el de marca, o sea, vale 4 veces menos!!! El pan de molde del mercadona está tremendo de bueno y vale cuatro perras al lado del bimbo. El fuet de Mercadona está expuesto al lado del de Casa Tarradellas y vale menos, pero si lees la etiqueta, es el mismo!!! Creo que no descubro nada con esto de las marcas blancas pero hay un montón de gente que no las utiliza y ahí es donde se les va el dinero. Está claro que hay casos en que la diferencia de calidad es notable pero el 90% de los prodcutos de mi cesta de la compra son de marca blanca y están buenos y voy bien alimentado, se lo garantizo.

También a la hora de comprar ropa veo auténticas locuras! Mi pareja y yo nos compramos el 70% de nuestra ropa en outlets. Tiene sus inconvenientes porque no hay tanta variedad para elegir, sobretodo de tallas, pero es como vivir en unas rebajas continuas. También reconozco que tengo la suerte de vivir en Barcelona, ya que me imagino que hay muchos lugares donde no hay este tipo de tiendas. Este año se ha notado especialmetne que no han vendido en temporada porque los outlets han tenido más genero que nunca. Concretamente en Lefties (outlet de zara y demás empresas del grupo inditex) mi pareja por 90€ este año se ha comprado unos zapatos, dos camisas, dos camisetas, un traje (americana y pantalón), una falda y un abrigo. Todo productos Zara, donde seguramente entre los zapatos y las dos camisas ya hubiesen costado los 90€. Es lo que hay, yo también voy al Zara, pero a ver qué me encontraré unos meses después en Lefties.

Otro truco que usamos es comprar la ropa fuera de temporada, durante el verano nos compramos la ropa y calzado de invierno y en invierno lo de verano, casi siemrpe a mitad de precio de media.

Espero que los consejos ayuden a alguien. Funcionan, os lo garantizo, y te ahorras una pasta importante. Nunca vas vestido con la ropa de súper marca y de temporada ni le puedes sacar una heineken a tus invitados para cenar, es lo que tiene, no iba a ser todo perfecto, ejejeej, pero es sólo una cuestión de imagen, porque quien sabe, igual es cerveza holandesa del carrefour resulta que está hecha por la misma heineken!!!

Un saludo!!!

+37

# 46 , Purificación

8 de Septiembre de 2008, a las 11:24.

Último valor, 8/09/09: 5,337

# 47 , V. Gerulaitis

8 de Septiembre de 2008, a las 11:30.

Solo quiero aportar un matiz respecto a lo que dice Nadal con 400€.
Tiene razón en todo, excepto en que eso solo ocurre en España.
Echemos un vistazo en los países de nuestro entorno (incluso en los no monárquicos, porque tienen otras figuras como Presidente o similar) y veremos que en todas partes se cuecen habas.

# 48 , Ayalga

8 de Septiembre de 2008, a las 11:35.

Me sumo a los aplausos para el señor OriolX por el articulo de hoy.
aunque los datos nsean inexactos hay que tener en cuenta que es solo un ejemplo y lo realmente importante es lo que demuestra: que con planificacion siempre se puede ahorrar algo y controlar la situacion economica de uno dentro de un margen.

Realmente si deberian enseñar esto -asi de simple-en los colegios y otro gallo nos cantaria.

Y como veo que el tema de la comida para 2 durante un mes por 200 euros levanta ampollas os voy a recomendar -otra vez- un libro excelente con montones de recetas realmente buenas y baratas:

Comer por un euro - Pep Nogué i Puigvert -Precio: 12.50 €
Atencion, esta dificil de conseguir, se ve que anda muy solicitado.
Asi que os pongo el link donde bajarlo pirateado en pdf - si a Clopez le parece bien, claro, si no que elimine el link.

http://www.alhenamedia.info/modules/catalog/files/comer_por_un_euro.pdf

Dedicado con especial amor a Euribor up up

# 49 , fyahball

8 de Septiembre de 2008, a las 11:36.

# 43 , Flipper

Lo que dices de España es aplicable a todo el mundo, desarrollado o no… he querido decir: “enriquecido” o “saqueado por los enriquecidos”…

El mundo es ingobernable…

Somos ya demasiados en España y en el mundo… y nuestro sistema capitalista se basa en destruir el planeta, sacrificar a los más pobres y avanzar hacia el suicidio colectivo…

La noticia que kokito valoró tanto y con tanta razón este fin de semana, pasa desapercibida aquí hoy… El paso que da Estados Unidos al rescatar las dos entidades hipotecarias significa que el ultracapitalismo y el ultraliberalismo está herido… quizás de muerte…

Cuando los ultraliberalistas se vuelven intervencionistas es que pasa algo muy gordo, el sistema de dinero ficticio y capital está ardiendo…

Es irónico que el ibex35 y las bolsas mundiales respondan hoy bien a la noticia de que la primera economía mundial tiene que salir al rescate de todas las problemáticas derivadas del sacar dinero de la chistera durante décadas y en los últimos años eso se ha hecho con toda la irresponsabilidad y avaricia posible…

Es el fin de una era… lo peor está por llegar…

BABYLON NEVER GET ENOUGH!!! BURN DEM!!!

# 50 , Nadal con 400€

8 de Septiembre de 2008, a las 11:42.

#47, V. Gerulaitis

“Tiene razón en todo, excepto en que eso solo ocurre en España.”
—

Puedes indicarme donde digo que sólo ocurre en España?
-
Leo en Marca, que Nadal cae con Murray, no se habrá tomado el colacao de por las mañanas.

Páginas: [1] 2 3 4 »

Deja tu comentario...

Recuerda: Nunca escribas en caliente, piensa, respira... y No alimentes a los "Trolls"

Puedes usar estas etiquetas XHTML: <a href="" title=""> <abbr title=""> <acronym title=""> <b> <blockquote cite=""> <cite> <code> <del datetime=""> <em> <i> <q cite=""> <strike> <strong> .