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¿Qué son los gastos hormiga? Las hormigas representan el trabajo en equipo pues muchas unidas hacen la diferencia. Sabemos que estos pequeños hacen grandes cambios en colonia y en una mirada financiera los pequeños desembolsos (gastos) también pueden comprometer nuestra liquidez sin darnos cuenta. Aquí tres señales para lograr identificarlos:
- Frecuencia. Son gastos recurrentes: diarios, semanales o inclusive mensuales.
- Cantidad. Suelen ser montos pequeños que no solemos tomar atención o preocupación.
- Necesidad. Este carácter es el más difícil de reconocer pues depende de cada persona. Se refiere a la necesidad real de comprar o si puede ser perfectamente reemplazable por algo más económico.
Es necesario estar atentos a estos gastos, que pueden considerarse más unos hábitos propios de nuestra personalidad. De los diferentes gastos hormigas estos son los más comunes en nuestra sociedad:
- Lujos innecesarios: aunque la calidad de un producto o servicio son importantes, muchas veces pueden ser reemplazados con otros genéricos que otorgan el mismo beneficio sin gastar de más.
- Las trampas de ofertas: muchas veces nos hemos topado con productos en descuento que no teníamos pensado comprar pero que por las estrategias comerciales terminamos comprando pensando que han sido una gran decisión.
- Vicios adquiridos: los aperitivos y otros consumos, cómo el café y los cigarrillos, son los principales motivos de gastos diarios para aliviar diferentes gustos que creemos necesarios para nosotros
- Comidas fuera de casa: los gastos en restaurantes significan aumentar considerablemente nuestros costos de alimentación sabiendo que es una necesidad diaria.
- Pagos en línea: Los servicios digitales se han vuelto una costumbre a raíz del Covid-19, los gastos en aplicativos como delivery, taxis o suscripciones de video se han vuelto pequeñas compras recurrentes que generan silenciosamente grandes impactos en el bolsillo y que muchas veces son innecesarios.
Identifiquemos estás salidas de bolsillo que reflejan nuestros hábitos y que posiblemente nos harán ahorrar una cantidad nada despreciable al año. No se trata de eliminarnos, si no, de controlarlos. Esto aplica también para las empresas: «los millones se cuidan solos, los centavos no».
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