Presupuest

INSTRUCCIONES: Llena solo los recuadros amarillos

ene

Ahorro $15,000
Ahorro de emergencias $5,000
Inversión corto plazo $5,000
Inversión mediano plazo $0
Inversión largo plazo $5,000
Otro $0

Ingresos $67,000
Fijo $37,000
Sueldo Activo $20,000
Rentas 1 Pasivo $10,000
Rentas 2 Pasivo $7,000
Otros Tipo de ingreso $0
XXXXX Tipo de ingreso $0
Variable $30,000
Comisiones Activo $15,000
Honorarios Activo $5,000
Utilidades Activo $10,000
xXXXX Tipo de ingreso $0
xXXXX Tipo de ingreso $0

Gastos $71,600
Hogar $28,500
Renta Necesidad $15,000
Servicios Necesidad $3,000
Alimentos Necesidad $5,000
Seguro hogar Necesidad $500
Telefono e internet Necesidad $500
Limpieza Necesidad $3,500
Tintorería Deseo $1,000
Familia $29,300
Colegiatura Necesidad $12,000
Seguro médico Necesidad $10,000
Ropa familia Necesidad $1,000
Medicinas Necesidad $300
Chequeo médico Necesidad $1,000
Gastos escuela Necesidad $5,000
Pañales Necesidad $0
Transporte $9,200
Mantenimiento Necesidad $3,000
Gasolina Necesidad $2,000
Seguro auto Necesidad $4,000
Lavado Necesidad $200
Transporte Necesidad $0
Deudas $0
Tarjeta de crédito Necesidad $0
Crédito hipotecario Necesidad $0
Crédito personal Necesidad $0
Crédito educativo Necesidad $0
Tarjeta departamental Necesidad $0
Gastos personales $2,000
Ropa Deseo $1,000
Salon de belleza Deseo $1,000
Cuidado personal Deseo $0
Mascota Necesidad $0
Otros personales Deseo $0
Ocio/Entretenimiento $2,500
Cine Deseo $500
Restaurantes Deseo $2,000
Juntas sociales Deseo $0
Viajes Deseo $0
Otros Deseo $0
Otros $100
Membresías Deseo $100
Revistas Deseo $0
Otros Tipo de gasto $0
xxxxx Tipo de gasto $0
xxxxx Tipo de gasto $0

Utilidad familiar -$4,600

Te falta para tu meta… $19,600

Ingresos
$80,000

$70,000

$60,000

$50,000

$40,000

$30,000

$20,000

$10,000

$0
ene feb mar abr may jun jul ago sep oct nov dic
Variable Fijo
Presupuesto en pareja
adros amarillos

feb mar abr may

$15,000 $15,000 $15,000 $15,000

$5,000 $5,000 $5,000 $5,000
$5,000 $5,000 $5,000 $5,000
$0 $0 $0 $0
$5,000 $5,000 $5,000 $5,000
$0 $0 $0 $0

$67,000 $67,000 $67,000 $67,000

$37,000 $37,000 $37,000 $37,000
$20,000 $20,000 $20,000 $20,000
$10,000 $10,000 $10,000 $10,000
$7,000 $7,000 $7,000 $7,000
$0 $0 $0 $0
$0 $0 $0 $0
$30,000 $30,000 $30,000 $30,000
$15,000 $15,000 $15,000 $15,000
$5,000 $5,000 $5,000 $5,000
$10,000 $10,000 $10,000 $10,000
$0 $0 $0 $0
$0 $0 $0 $0

$46,600 $46,600 $46,600 $46,600

$28,500 $28,500 $28,500 $28,500
$15,000 $15,000 $15,000 $15,000
$3,000 $3,000 $3,000 $3,000
$5,000 $5,000 $5,000 $5,000
 $500 $500 $500 $500
$500 $500 $500 $500
$3,500 $3,500 $3,500 $3,500
$1,000 $1,000 $1,000 $1,000
$11,300 $11,300 $11,300 $11,300
$0 $0 $0 $0
$10,000 $10,000 $10,000 $10,000
$1,000 $1,000 $1,000 $1,000
$300 $300 $300 $300
$0 $0 $0 $0
$0 $0 $0 $0
$0 $0 $0 $0
$2,200 $2,200 $2,200 $2,200
$0 $0 $0 $0
$2,000 $2,000 $2,000 $2,000
$0 $0 $0 $0
$200 $200 $200 $200
$0 $0 $0 $0
$0 $0 $0 $0
$0 $0 $0 $0
$0 $0 $0 $0
$0 $0 $0 $0
$0 $0 $0 $0
$0 $0 $0 $0
$2,000 $2,000 $2,000 $2,000
$1,000 $1,000 $1,000 $1,000
$1,000 $1,000 $1,000 $1,000
$0 $0 $0 $0
$0 $0 $0 $0
$0 $0 $0 $0
$2,500 $2,500 $2,500 $2,500
$500 $500 $500 $500
$2,000 $2,000 $2,000 $2,000
$0 $0 $0 $0
$0 $0 $0 $0
$0 $0 $0 $0
$100 $100 $100 $100
$100 $100 $100 $100
$0 $0 $0 $0
$0 $0 $0 $0
 $0 $0 $0 $0
$0 $0 $0 $0

$20,400 $20,400 $20,400 $20,400

-$5,400 -$5,400 -$5,400 -$5,400

Ingresos vs. Gastos

$90,000 $35,000
$80,000 $30,000
$70,000
$25,000
$60,000
$20,000
$50,000
$15,000
$40,000
$30,000 $10,000

$20,000 $5,000
$10,000 $0
1 2 3 4 5
$0 Hogar F
oct nov dic ene feb mar abr may jun jul ago sep oct nov dic
Ingresos Gastos Personales O
 www.morisdieck.com

jun jul ago sep

$15,000 $15,000 $15,000 $15,000

$5,000 $5,000 $5,000 $5,000
$5,000 $5,000 $5,000 $5,000
$0 $0 $0 $0
$5,000 $5,000 $5,000 $5,000
$0 $0 $0 $0

$67,000 $67,000 $67,000 $67,000

$37,000 $37,000 $37,000 $37,000
$20,000 $20,000 $20,000 $20,000
$10,000 $10,000 $10,000 $10,000
$7,000 $7,000 $7,000 $7,000
$0 $0 $0 $0
$0 $0 $0 $0
$30,000 $30,000 $30,000 $30,000
$15,000 $15,000 $15,000 $15,000
$5,000 $5,000 $5,000 $5,000
$10,000 $10,000 $10,000 $10,000
$0 $0 $0 $0
$0 $0 $0 $0

$46,600 $82,600 $58,600 $46,600

$28,500 $28,500 $28,500 $28,500
$15,000 $15,000 $15,000 $15,000
$3,000 $3,000 $3,000 $3,000
$5,000 $5,000 $5,000 $5,000
 $500 $500 $500 $500
$500 $500 $500 $500
$3,500 $3,500 $3,500 $3,500
$1,000 $1,000 $1,000 $1,000
$11,300 $17,300 $23,300 $11,300
$0 $0 $12,000 $0
$10,000 $10,000 $10,000 $10,000
$1,000 $1,000 $1,000 $1,000
$300 $300 $300 $300
$0 $1,000 $0 $0
$0 $5,000 $0 $0
$0 $0 $0 $0
$2,200 $2,200 $2,200 $2,200
$0 $0 $0 $0
$2,000 $2,000 $2,000 $2,000
$0 $0 $0 $0
$200 $200 $200 $200
$0 $0 $0 $0
$0 $0 $0 $0
$0 $0 $0 $0
$0 $0 $0 $0
$0 $0 $0 $0
$0 $0 $0 $0
$0 $0 $0 $0
$2,000 $2,000 $2,000 $2,000
$1,000 $1,000 $1,000 $1,000
$1,000 $1,000 $1,000 $1,000
$0 $0 $0 $0
$0 $0 $0 $0
$0 $0 $0 $0
$2,500 $32,500 $2,500 $2,500
$500 $500 $500 $500
$2,000 $2,000 $2,000 $2,000
$0 $0 $0 $0
$0 $30,000 $0 $0
$0 $0 $0 $0
$100 $100 $100 $100
$100 $100 $100 $100
$0 $0 $0 $0
$0 $0 $0 $0
 $0 $0 $0 $0
$0 $0 $0 $0

$20,400 -$15,600 $8,400 $20,400

-$5,400 $30,600 $6,600 -$5,400

Gastos Libertad financiera

$35,000 50,000

$30,000 45,000
40,000
$25,000
35,000
$20,000 30,000
$15,000 25,000
20,000
$10,000
15,000
$5,000
10,000
$0 5,000
1 2 3 4 5 6 7 8 9 10 11 12
Hogar Familia Transporte Deudas
-
Personales Ocio Otros Ingreso pasivo Necesidad
 oct nov dic Suma

$15,000 $15,000 $15,000 $180,000

$5,000 $5,000 $5,000 $60,000
$5,000 $5,000 $5,000 $60,000
$0 $0 $0 $0
$5,000 $5,000 $5,000 $60,000
$0 $0 $0 $0

$67,000 $67,000 $67,000 $804,000

$37,000 $37,000 $37,000 $444,000
$20,000 $20,000 $20,000 $240,000
$10,000 $10,000 $10,000 $120,000
$7,000 $7,000 $7,000 $84,000
$0 $0 $0 $0
$0 $0 $0 $0
$30,000 $30,000 $30,000 $360,000
$15,000 $15,000 $15,000 $180,000
$5,000 $5,000 $5,000 $60,000
$10,000 $10,000 $10,000 $120,000
$0 $0 $0 $0
$0 $0 $0 $0

$46,600 $46,600 $76,600 $662,200

$28,500 $28,500 $28,500 $342,000
$15,000 $15,000 $15,000 $180,000
$3,000 $3,000 $3,000 $36,000
$5,000 $5,000 $5,000 $60,000
 $500 $500 $500 $6,000
$500 $500 $500 $6,000
$3,500 $3,500 $3,500 $42,000
$1,000 $1,000 $1,000 $12,000
$11,300 $11,300 $11,300 $171,600
$0 $0 $0 $24,000
$10,000 $10,000 $10,000 $120,000
$1,000 $1,000 $1,000 $12,000
$300 $300 $300 $3,600
$0 $0 $0 $2,000
$0 $0 $0 $10,000
$0 $0 $0 $0
$2,200 $2,200 $2,200 $33,400
$0 $0 $0 $3,000
$2,000 $2,000 $2,000 $24,000
$0 $0 $0 $4,000
$200 $200 $200 $2,400
$0 $0 $0 $0
$0 $0 $0 $0
$0 $0 $0 $0
$0 $0 $0 $0
$0 $0 $0 $0
$0 $0 $0 $0
$0 $0 $0 $0
$2,000 $2,000 $2,000 $24,000
$1,000 $1,000 $1,000 $12,000
$1,000 $1,000 $1,000 $12,000
$0 $0 $0 $0
$0 $0 $0 $0
$0 $0 $0 $0
$2,500 $2,500 $32,500 $90,000
$500 $500 $500 $6,000
$2,000 $2,000 $2,000 $24,000
$0 $0 $0 $0
$0 $0 $30,000 $60,000
$0 $0 $0 $0
$100 $100 $100 $1,200
$100 $100 $100 $1,200
$0 $0 $0 $0
$0 $0 $0 $0
 $0 $0 $0 $0
$0 $0 $0 $0

$20,400 $20,400 -$9,600 $141,800

-$5,400 -$5,400 $24,600 $38,200

Libertad financiera

Ingreso pasivo Necesidades

Promedio Indicadores

$15,000 Gastos
$5,000 Necesidades (% de ingreso) 67%
$5,000 Deseos (% de ingreso) 16%
$0
$5,000 Utilidad familiar
$0 Utilidad promedio mensual $ 11,817
% de ingresos 18%
$67,000
$37,000 Ahorro de emergencias meta
$20,000 3 meses de gastos fijos $ 133,750
$10,000 4 meses de gastos fijos $ 178,333
$7,000 6 meses de gastos fijos $ 267,500
$0
$0 Capacidad de endeudamiento mensual $ 5,908
$30,000 (El 50% de la utilidad de cada mes)
$15,000
$5,000
$10,000
$0
$0

$55,183
$28,500
$15,000
$3,000
$5,000
 $500
$500
$3,500
$1,000
$14,300
$2,000
$10,000
$1,000
$300
$167
$833
$0
$2,783
$250
$2,000
$333
$200
$0
$0
$0
$0
$0
$0
$0
$2,000
$1,000
$1,000
$0
$0
$0
$7,500
$500
$2,000
$0
$5,000
$0
$100
$100
$0
$0
 $0
$0

$11,817
$3,183
Arriba del 50% es mucho
~30% es sano

10-20% es sano
Ingreso activ
Ingreso pasiv
Necesidad
Deseo
50,000
17,000
44,583
10,600
Tipo de gastoTipo de ingreso
Necesidad Activo
Deseo Pasivo
 Presupuest
INSTRUCCIONES: Llena solo los recuadros amarillos

ene

Ahorro $15,000
Ahorro de emergencias $5,000
Inversión corto plazo $5,000
Inversión mediano plazo $0
Inversión largo plazo $5,000
Otro $0

Ingresos $67,000
Fijo $37,000
Sueldo Activo $20,000
Rentas 1 Pasivo $10,000
Rentas 2 Pasivo $7,000
Otros Tipo de ingreso $0
XXXXX Tipo de ingreso $0
Variable $30,000
Comisiones Activo $15,000
Honorarios Activo $5,000
Utilidades Activo $10,000
xXXXX Tipo de ingreso $0
xXXXX Tipo de ingreso $0

Gastos $71,600
Hogar $28,500
Renta Necesidad $15,000
Servicios Necesidad $3,000
Alimentos Necesidad $5,000
Seguro hogar Necesidad $500
Telefono e internet Necesidad $500
Limpieza Necesidad $3,500
Tintorería Deseo $1,000
Familia $29,300
Colegiatura Necesidad $12,000
Seguro médico Necesidad $10,000
Ropa familia Necesidad $1,000
Medicinas Necesidad $300
Chequeo médico Necesidad $1,000
Gastos escuela Necesidad $5,000
Pañales Necesidad $0
Transporte $9,200
Mantenimiento Necesidad $3,000
Gasolina Necesidad $2,000
Seguro auto Necesidad $4,000
Lavado Necesidad $200
Transporte Necesidad $0
Deudas $0
Tarjeta de crédito Necesidad $0
Crédito hipotecario Necesidad $0
Crédito personal Necesidad $0
Crédito educativo Necesidad $0
Tarjeta departamental Necesidad $0
Gastos personales $2,000
Ropa Deseo $1,000
Salon de belleza Deseo $1,000
Cuidado personal Deseo $0
Mascota Necesidad $0
Otros personales Deseo $0
Ocio/Entretenimiento $2,500
Cine Deseo $500
Restaurantes Deseo $2,000
Juntas sociales Deseo $0
Viajes Deseo $0
Otros Deseo $0
Otros $100
Membresías Deseo $100
Revistas Deseo $0
Otros Tipo de gasto $0
xxxxx Tipo de gasto $0
xxxxx Tipo de gasto $0

Utilidad familiar -$4,600

Te falta para tu meta… $19,600

Ingresos
$80,000

$70,000

$60,000

$50,000

$40,000

$30,000

$20,000

$10,000

$0
ene feb mar abr may jun jul ago sep oct nov dic
Variable Fijo
Presupuesto en pareja
adros amarillos

feb mar abr may

$0 $0 $0 $0

$0 $0 $0 $0
$0 $0 $0 $0

$0 $0 $0 $0

$0 $0 $0 $0
$0 $0 $0 $0
$0 $0 $0 $0

$0 $0 $0 $0

$0 $0 $0 $0

$0 $0 $0 $0

$0 $0 $0 $0

$0 $0 $0 $0
 $0 $0 $0 $0
$0 $0 $0 $0

Ingresos vs. Gastos

$80,000 $35,000

$70,000 $30,000

$60,000 $25,000
$50,000 $20,000
$40,000 $15,000
$30,000 $10,000
$20,000 $5,000
$10,000
$0
1 2 3 4 5
$0 Hogar
oct nov dic ene feb mar abr may jun jul ago sep oct nov dic Personales
Ingresos Gastos
www.morisdieck.com

jun jul ago sep

$0 $0 $0 $0

$0 $0 $0 $0
$0 $0 $0 $0

$0 $0 $0 $0

$0 $0 $0 $0
$0 $0 $0 $0
$0 $0 $0 $0

$0 $0 $0 $0

$0 $0 $0 $0

$0 $0 $0 $0

$0 $0 $0 $0

$0 $0 $0 $0
 $0 $0 $0 $0
$0 $0 $0 $0

Gastos Libertad financiera

$35,000 70,000

$30,000 60,000
$25,000
50,000
$20,000
40,000
$15,000
30,000
$10,000
20,000
$5,000
10,000
$0
1 2 3 4 5 6 7 8 9 10 11 12
Hogar Familia Transporte Deudas
-
Personales Ocio Otros Ingreso pasivo Necesidad
oct nov dic Suma

$0 $0 $0 $15,000
$5,000
$5,000
$0
$5,000
$0

$0 $0 $0 $67,000
$0 $0 $0 $37,000
$20,000
$10,000
$7,000
$0
$0
$0 $0 $0 $30,000
$15,000
$5,000
$10,000
$0
$0

$0 $0 $0 $71,600
$0 $0 $0 $28,500
$15,000
$3,000
$5,000
 $500
$500
$3,500
$1,000
$0 $0 $0 $29,300
$12,000
$10,000
$1,000
$300
$1,000
$5,000
$0
$0 $0 $0 $9,200
$3,000
$2,000
$4,000
$200
$0
$0 $0 $0 $0
$0
$0
$0
$0
$0
$0 $0 $0 $2,000
$1,000
$1,000
$0
$0
$0
$0 $0 $0 $2,500
$500
$2,000
$0
$0
$0
$0 $0 $0 $100
$100
$0
$0
 $0
$0

$0 $0 $0 -$4,600
$0 $0 $0 $19,600

Libertad financiera

Ingreso pasivo Necesidades

Prom. Real Prom. PPTO

$1,250 $15,000
$5,000 $5,000
$5,000 $5,000
$0 $0
$5,000 $5,000
$0 $0

$5,583 $67,000
$3,083 $37,000
$20,000 $20,000
$10,000 $10,000
$7,000 $7,000
$0 $0
$0 $0
$2,500 $30,000
$15,000 $15,000
$5,000 $5,000
$10,000 $10,000
$0 $0
$0 $0

$5,967 $55,183
$2,375 $28,500
$15,000 $15,000
$3,000 $3,000
$5,000 $5,000
 $500 $500
$500 $500
$3,500 $3,500
$1,000 $1,000
$2,442 $14,300
$12,000 $2,000
$10,000 $10,000
$1,000 $1,000
$300 $300
$1,000 $167
$5,000 $833
$0 $0
$767 $2,783
$3,000 $250
$2,000 $2,000
$4,000 $333
$200 $200
$0 $0
$0 $0
$0 $0
$0 $0
$0 $0
$0 $0
$0 $0
$167 $2,000
$1,000 $1,000
$1,000 $1,000
$0 $0
$0 $0
$0 $0
$208 $7,500
$500 $500
$2,000 $2,000
$0 $0
$0 $5,000
$0 $0
$8 $100
$100 $100
$0 $0
$0 $0
 $0 $0
$0 $0

-$383 $11,817
$1,633 $3,183
 Indicadores

Gastos
Necesidades (% de ingreso) 1182% Arriba del 50% es mucho
Deseos (% de ingreso) 100% ~30% es sano

Utilidad familiar
Utilidad promedio mensual -$ 383
% de ingresos -7% 10-20% es sano

Ahorro de emergencias meta

3 meses de gastos fijos $ 198,000
4 meses de gastos fijos $ 264,000
6 meses de gastos fijos $ 396,000

Capacidad de endeudamiento mensual -$ 192

(El 50% de la utilidad de cada mes)
Ingreso activ 50,000
Ingreso pasiv 17,000
Necesidad 66,000
Deseo 5,600
Tipo de gasto Tipo de ingreso
Necesidad Activo
Deseo Pasivo
po de ingreso