El Anti-Presupuesto Método: 21 Días Para Salir Adelante Cuando Los Presupuestos Fallan Y La Vida Se Vuelve Más Cara
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Has hecho todo bien. Usted se gradu�, consigui� el trabajo, hizo que el presupuesto de la hoja de c�lculo.
Cortaste el caf� diario, preparaste la comida, dijiste que no a los viajes de fin de semana.
Y sin embargo-usted todav�a est� viviendo de cheque a cheque de pago.
Su cuenta de ahorros se borra cada vez que aumenta el alquiler o su autom�vil necesita reparaciones. Sus pr�stamos estudiantiles se sienten eternos. Su saldo de 401k es rid�culo en comparaci�n con lo que dicen las calculadoras de jubilaci�n que necesita. Y mientras tanto, todo cuesta un treinta por ciento m�s de lo que costaba hace tres a�os, mientras que su salario apenas se mov�a.
Esta es la verdad que no te dir�n: el problema no es tu disciplina.
No son tus tostadas de aguacate o tus suscripciones de transmisi�n. El problema es que el presupuesto tradicional fue dise�ado para una econom�a diferente, costos diferentes y vidas diferentes.
Cuando gana 6 65K en una ciudad con un alto costo de vida con debt 40K en deudas estudiantiles y alquiler que le quita el cuarenta por ciento de su salario neto, que le digan que "simplemente haga un seguimiento de cada gasto" y "encuentre dinero extra para invertir" se siente como una broma cruel.
La Soluci�n Monetaria Antipresupuestaria descarta el presupuesto que le sigue fallando y lo reemplaza con un sistema de 21 d�as que realmente funciona para su vida desordenada, costosa y del mundo real.
No m�s culpa por un caf� con leche. No m�s pretender que tienes 500 d�lares extra por ah�. No m�s consejos �nicos para todos de personas que compraron su casa cuando costaba $180K.
Dentro de este libro, descubrir�s
No se trata de restricciones. Se trata de redirecci�n.
Descubrir� qu� gastos realmente matan la riqueza frente a cu�les le averg�enza Internet por eso, no importa.
Aprender� a hacer que su dinero trabaje m�s duro para que no tenga que hacerlo.
Y finalmente comprender� por qu� el presupuesto segu�a fallando: no fue dise�ado para la carga de la deuda estudiantil, los picos de inflaci�n, los ingresos de la econom�a informal y los mercados inmobiliarios donde las viviendas iniciales cuestan 4 450K.
Cada uno de los 21 d�as tarda menos de 20 minutos en implementarse.
Sin hojas de c�lculo complicadas. No hay aplicaciones que requieran vincular su cuenta bancaria.
No te averg�ences de tus decisiones monetarias pasadas.
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