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Guardar una parte de los ingresos de manera regular no debe considerarse un sacrificio, sino más bien un hábito positivo fundamental que hay que cultivar constantemente. Es cierto que cada año, los microempresarios y sus familias enfrentan desafíos como el aumento del costo de vida, el incremento de los precios de las materias primas y diversos imprevistos que afectan diariamente sus finanzas. Sin embargo, tomar la decisión de comenzar a ahorrar puede marcar una gran diferencia en el futuro y contribuir al bienestar y la salud financiera.
A menudo se piensa que para ahorrar cada mes se necesitan grandes cantidades de dinero, pero existen productos de ahorro que permiten iniciar este proceso desde $0. Esto puede ayudar a establecer un hábito que, con el tiempo, servirá como base para alcanzar metas de emprendimiento y objetivos personales y familiares, como la educación de los hijos o la mejora de las condiciones de vivienda y de la unidad productiva.
Lina Méndez, gerente de Captaciones de Bancamía, señala que una de las claves para ahorrar, incluso con poco dinero, es la constancia y la disciplina. Con el tiempo, se puede aumentar gradualmente el monto ahorrado, ya sea de forma diaria, semanal o mensual.
“Además, es fundamental tener claros los objetivos del ahorro, que deben ser específicos y alcanzables. Con esto en mente, es necesario elegir el tipo de producto de ahorro adecuado: puede ser un depósito de bajo monto, que se abre desde $0; una cuenta de ahorro transaccional , desde $20.000; o una cuenta de ahorro con propósito, que fomenta la disciplina a través de un compromiso de ahorro mensual", explica Méndez.
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Con motivo del Día Mundial del Ahorro, celebrado el 31 de octubre, Bancamía, parte de la Fundación Microfinanzas BBVA, ofrece algunas recomendaciones para que los microempresarios y todos los miembros de la familia, incluidos los niños, avancen hacia un manejo financiero más adecuado.
En el mercado, hay productos de ahorro que se pueden abrir, gestionar y rentabilizar de forma sencilla, rápida y con buenos retornos, sin necesidad de contar con grandes sumas de dinero. Lo más importante es comenzar a construir el hábito de ahorrar.
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