En mi familia, así como Diciembre trae los regalos, el árbol de navidad y las cenas en familia, Enero trae mucha planeación, a nivel personal relacionada con crecimiento personal y a nivel familiar relacionada con las finanzas.
Este año estábamos recorriendo el registro de lo ganado, ahorrado, invertido y gastado en el 2018, solo como referencia pues cada año comenzamos de una base cero. Así fuimos viendo cada renglón de los registros y tratando de adaptar cada uno a la realidad que esperamos vivir este año. Uno de los objetivos es subir el porcentaje de ingresos que se destinan al ahorro y parte de ese adicional deberá venir de un aumento en nuestros ingresos de familia y otra parte de una disminución en nuestros gastos. Todo iba avanzando muy bien hasta que en una pausa en medio del análisis me di cuenta de algo que hasta ese momento no había notado, y es que cuando se están buscando ahorros y recortes en un presupuesto personal o familiar, se pueden seguir dos caminos que nos podrán llevar al mismo número final, pero con una vibración muy distinta uno de otro.
Podemos seguir el camino de la escasez, pensando que el ahorro es un fin en sí mismo, que hay que tener el dinero ahorrado guardadito y seguro para siempre, que el gasto es algo intrínsecamente malo, que cualquier lujo debería estar prohibido, y que la razón por la que no vamos a comprar un carro nuevo o no vamos a tomar vacaciones en el destino deseado es porque no podemos, porque no tenemos suficiente para hacerlo. Y así, de manera sufrida y sintiéndonos limitados y de alguna forma hasta insuficientes, llegaremos a un monto de ahorro X.
Por otro lado, podemos seguir el camino de la abundancia, convencidos de que hay suficiente de todo, y lo que estamos definiendo es un uso racional de nuestro dinero, simplemente alineando estos usos con objetivos específicos. Si escogemos este camino, el dinero se ahorra para poder realizar futuros gastos más grandes sin recurrir al crédito o para acumular los montos suficientes que permitirán realizar inversiones para generar nuevas fuentes de ingreso en el futuro. Las mismas decisiones de no comprar un auto nuevo este ano o de no tomar esa vacación muy cara no se relacionan con ningún tipo de limitación o escasez, sino con decisiones tomadas voluntariamente por personas conscientes que han entendido como se juega este juego, lo que abre la posibilidad a ir mejorando sus vidas poco a poco. Y de esa forma llegaremos al mismo monto X.
En resumen, me di cuenta de que no es el número final el que importa, o al menos no tanto como el camino que sigamos para llegar ahí. Para mi este es otro ejemplo más de como la llegada no importa tanto como el viaje. ¡Un abrazo!
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