¿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:

  1. Frecuencia. Son gastos recurrentes: diarios, semanales o inclusive mensuales.
  2. Cantidad. Suelen ser montos pequeños que no solemos tomar atención o preocupación.
  3. 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:

  1. 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.
  2. 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.
  3. 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
  4. Comidas fuera de casa: los gastos en restaurantes significan aumentar considerablemente nuestros costos de alimentación sabiendo que es una necesidad diaria.
  5. 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».

Foto de Flor creado por wirestock – www.freepik.es


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