Finanzas personales

Go to Course: https://www.coursera.org/learn/finanzas-personales

Introduction

**Course Review: Finanzas personales by UNAM on Coursera** Navigating the complexities of personal finance can be daunting for many. Thankfully, the course "Finanzas personales," offered by the esteemed National Autonomous University of Mexico (UNAM), provides a comprehensive framework for individuals looking to enhance their financial literacy. This course is a remarkable opportunity for anyone eager to take control of their financial destiny and make informed decisions in an increasingly complex economic landscape. ### Overview The "Finanzas personales" course aims to equip participants with essential tools for effective personal financial planning. The curriculum is designed to empower learners to safeguard their assets and financial resources while understanding the fundamental considerations necessary for making sound financial choices. Whether you are trying to craft a budget, start saving, invest wisely, or understand credit and insurance, this course covers it all in a structured manner. ### Detailed Syllabus Breakdown 1. **Presupuesto (Budgeting)** The course begins by emphasizing the importance of budgeting, particularly in challenging economic times. By learning to construct a family budget, participants will not only gain insight into their financial needs but also how to allocate resources to meet obligations and define spending priorities. This module teaches individuals to organize their finances efficiently, improve consumer habits, and promote responsible spending. 2. **Ahorro (Saving)** One of the most crucial aspects of personal finance is learning to save. This section discusses how to allocate a portion of income towards savings, whether for future goals such as vacations or unforeseen emergencies. The course instills the concept of proactive saving as a personal and community benefit, encouraging individuals to be forward-thinking and responsible with their finances. 3. **Inversión (Investing)** Investing is highlighted as an essential strategy for growing wealth and securing financial stability. Participants will learn the fundamentals of making productive financial decisions and the significance of ensuring investments outpace inflation. This knowledge is vital for anyone looking to expand their assets for long-term growth. 4. **Crédito (Credit)** Understanding credit is fundamental in today’s economy, where loans and credit cards are common financial tools. The module covers how credit functions, its benefits when used responsibly, and the potential pitfalls of mismanagement. Participants will learn how to leverage credit effectively to address unexpected expenses without falling into debt. 5. **Seguros (Insurance)** The course explores the concept of risk management through insurance. Participants will gain insights into how insurance can protect against unforeseen incidents and how to choose appropriate coverage. This knowledge is crucial for minimizing the financial impacts of accidents or health issues, ultimately contributing to peace of mind. 6. **Consumo responsable (Responsible Consumption)** Finally, the course underscores the importance of responsible consumption. Learners will be guided on how to evaluate spending habits, reduce unnecessary expenses, and maximize their financial resources. By promoting practices such as reusing and recycling, participants will learn ways to cultivate thoughtful consumption in their daily lives. ### Recommendation **Who Should Take This Course?** "Finanzas personales" is ideal for anyone from young adults beginning their financial journeys to families looking to reorganize their financial structures. Additionally, individuals facing financial uncertainty or those wishing to solidify their understanding of personal finance will find this course invaluable. **Benefits of Taking the Course** - **Practical Knowledge**: Real-life applications of financial concepts empower participants to make empowered decisions. - **Structured Learning**: The course is structured to gradually build knowledge, starting from the basics and moving towards more complex concepts. - **Credibility**: Being offered by UNAM adds a layer of credibility and trustworthiness to the course content. ### Conclusion In a world where financial literacy is more important than ever, the "Finanzas personales" course by UNAM on Coursera stands out as a beacon of knowledge. This course not only equips learners with essential tools for personal financial management but also fosters a mindset geared towards responsible and informed decision-making. I highly recommend enrolling in this course to anyone looking to improve their financial literacy and take charge of their financial future. Take the first step towards financial security today!

Syllabus

Presupuesto

Planear los gastos familiares por medio de un presupuesto es muy importante, sobre todo cuando la situación económica no es la ideal. El presupuesto familiar es una herramienta utilizada semanal, quincenal o mensualmente que permite conocer cuánto dinero se necesita para cubrir las necesidades de la familia y, además, cómo repartir los ingresos para poder cumplir con las obligaciones. Sirve también para definir prioridades familiares e individuales, organizar el dinero y hacerlo rendir más, mejorar los hábitos de consumo y gastar con responsabilidad.

Ahorrar es destinar una parte de los ingresos para conseguir una meta o crear un fondo que permita enfrentar una emergencia. El ahorro se puede usar para pagar unas vacaciones, comprar una computadora, cambiar el coche, enfrentar una enfermedad o invertir. Ahorrar implica prevenir y prever anticipadamente para enfrentar el futuro y caminar con responsabilidad en el presente, por ello, la cultura del ahorro beneficia a personas, familias, comunidades y naciones.

Invertir es destinar una parte de los ingresos a actividades productivas con el propósito de obtener un rendimiento o incremento del patrimonio. Las inversiones pueden realizarse a corto o mediano plazo. Es preciso tomar en cuenta que una inversión siempre debe ser mayor que la inflación, porque de lo contrario perderá el valor adquisitivo.

El crédito es un préstamo de dinero por tiempo determinado que otorga una institución financiera al cliente con el compromiso de que en el futuro, el cliente devolverá dicho préstamo más un interés adicional. Se trata de una herramienta para adquirir bienes y servicios, muchos de los cuales no podríamos adquirir de contado. Si el crédito se utiliza con prudencia y responsabilidad, puede resultar de gran ayuda para darle un poco de seguridad a los gastos inesperados.

Un riesgo es la probabilidad de que ocurra un accidente o imprevisto que dañe a una persona, familia o patrimonio. Los riesgos no se pueden evitar, pero sí es posible prevenirlos y transferirlos. Un seguro es un contrato entre una compañía de seguros (aseguradora) y un asegurado. La aseguradora cubre parte de los gastos generados por un accidente, pérdida o enfermedad, a cambio del pago de una prima. Prevenir un riesgo es tomar medidas para evitar un accidente o imprevisto. Al ser precavidos, en caso de presentarse un accidente, las consecuencias serán mínimas.

Para cuidar y minimizar los gastos es importante realizar un consumo responsable e inteligente evitando prácticas que generen los gastos innecesarios. Evaluar los hábitos de consumo y cuantificar qué coste suponen en la economía familiar, pueden ayudar a cambiar y reducir el consumo. Reutilizar y reciclar tanto ropa como muebles y objetos puede ayudar a reducir el gasto en el hogar.