Un fondo de emergencia, es el fondo que nos permite hacer frente a una emergencia o algo inesperado que nos ocurra, un accidente, enfermedad, problemas legales, etc. Sin tener que alterar nuestro presupuesto mensual. Quiere decir que podremos continuar con nuestras actividades y cubrir los gastos sin ningún problema. ¿Qué pasa cuando ocurre una emergencia y no tenemos un fondo para solventarla? De una vez nuestra opción es el crédito, sí endeudarnos nuevamente.
Cuándo quiero hacerles reflexionar a mis clientes acerca de la importancia de tener un fondo de emergencia, les hago preguntas difíciles de escuchar, sé que hay cosas que ni siquiera nos gusta pensar que nos podrían pasar, pero la realidad es que ninguno estamos exentos de vivir estas situaciones. Uno piensa “eso nunca me pasará a mí”, hasta que nos pasa. Entonces te pregunto ¿Qué pasaría si te despiden hoy de tu trabajo? ¿Qué pasaría si te enteraras que tienes una enfermedad o una operación de emergencia que atenderte? ¿Estarías tranquilo porque podrás hacerle frente a los gastos del siguiente mes?
Te quiero animar a que comiences a crear tu fondo de emergencia, el cual tiene como meta ahorrar en una cuenta de ahorro específica para este fin; un mínimo de 6 meses de tu salario neto.
De la siguiente manera: Salario neto mensual x 6 meses = fondo de emergencia
Si tu salario es de $1000.00 netos mensuales x 6 meses = $6,000.00 como meta para fondo de emergencia.
Ahora bien, ¿Cómo logramos llegar a la meta de nuestro fondo de emergencia? todo dependerá de tu presupuesto. El monto que ahorrarás mensualmente y el tiempo en el que quieras lograr tu meta lo decides tú.
28 comentarios en “¿Qué pasaría si te quedas sin trabajo hoy, tienes un fondo de emergencia?”
Gracias Sofía, muy buen Artículo. Ojalá hubiera leído sobre esto antes. Y la importancia de tener un fondo de emergencia. Ya que hace 2 semanas fui despedida de mi trabajo. Ahora bien, algún plan de contingencia que puedas recomendar para Administrar de una manera efectiva mi liquidación hasta volver a conseguir empleo?.
Una vez mas Gracias x tus artículos y Tips te felicito x esta labor es muy efectiva y noble.
Abrazos.
Hola Jenny, que lastima escuchar esa noticia. Te recomendaría, ajustar lo más posible tu presupuesto mensual, y calcula o ten en cuenta, cuanto tiempo te podrá solventar el dinero de tu liquidación, trata de restringir los gastos a lo totalmente necesario. Si vez que la cosa está más difícil, ponte creativa y haz una lista de cosas que podrias hacer para generar ingresos mientras consigues trabajo. Talvez vende cosas que no uses o tienes guardadas hace tiempo, puedes convertirlo rápidamente en efectivo.
Espero te sirvan estos consejos, estoy siempre a la orden y gracias por esas palabras tan lindas.
¡Suerte! Cuando Dios cierra una puerta, abre otra mejor.
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