TMB PRESUPUESTO @MorisDieck

INSTRUCCIONES: Llena solo los recuadros amarillos

ene feb mar

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

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

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

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

Gastos $71,600 $46,600 $46,600

Hogar Tipo de gasto $28,500 $28,500 $28,500
Renta Fijo $15,000 $15,000 $15,000
Servicios Fijo $3,000 $3,000 $3,000
Alimentos Fijo $5,000 $5,000 $5,000
Seguro hogar Fijo $500 $500 $500
Telefono e internet Fijo $500 $500 $500
Limpieza Fijo $3,500 $3,500 $3,500
Tintorería Variable $1,000 $1,000 $1,000
Familia Tipo de gasto $29,300 $11,300 $11,300
Colegiatura Fijo $12,000 $0 $0
Seguro médico Fijo $10,000 $10,000 $10,000
Ropa familia Fijo $1,000 $1,000 $1,000
Medicinas Fijo $300 $300 $300
Chequeo médico Fijo $1,000 $0 $0
Gastos escuela Fijo $5,000 $0 $0
Pañales Fijo $0 $0 $0
Transporte Tipo de gasto $9,200 $2,200 $2,200
Mantenimiento Fijo $3,000 $0 $0
Gasolina Fijo $2,000 $2,000 $2,000
Seguro auto Fijo $4,000 $0 $0
Lavado Fijo $200 $200 $200
Transporte Fijo $0 $0 $0
Deudas Tipo de gasto $0 $0 $0
Tarjeta de crédito Fijo $0 $0 $0
Crédito hipotecario Fijo $0 $0 $0
Crédito personal Fijo $0 $0 $0
Crédito educativo Fijo $0 $0 $0
Tarjeta departamental Fijo $0 $0 $0
Gastos personales Tipo de gasto $2,000 $2,000 $2,000
Ropa Variable $1,000 $1,000 $1,000
Salon de belleza Variable $1,000 $1,000 $1,000
Cuidado personal Variable $0 $0 $0
Mascota Fijo $0 $0 $0
Otros personales Variable $0 $0 $0
Ocio/Entretenimiento Tipo de gasto $2,500 $2,500 $2,500
Cine Variable $500 $500 $500
Restaurantes Variable $2,000 $2,000 $2,000
Juntas sociales Variable $0 $0 $0
Viajes Variable $0 $0 $0
Otros Variable $0 $0 $0
Otros Tipo de gasto $100 $100 $100
Membresías Variable $100 $100 $100
Revistas Variable $0 $0 $0
Otros Tipo de gasto $0 $0 $0
xxxxx Tipo de gasto $0 $0 $0
xxxxx Tipo de gasto $0 $0 $0

Utilidad personal (ingresos - gastos) -$4,600 $20,400 $20,400

Te falta para tu meta… $19,600 -$5,400 -$5,400

Ingresos Ingresos vs. Gastos

$80,000 $90,000
$70,000 $80,000

$60,000 $70,000
$60,000
$50,000
$50,000
$40,000
$40,000
$30,000
$30,000
$20,000 $20,000
$10,000 $10,000
$60,000 $70,000
$60,000
$50,000
$50,000
$40,000
$40,000
$30,000
$30,000
$20,000 $20,000
$10,000 $10,000
$0 $0
ene feb mar abr may jun jul ago sep oct nov dic ene feb mar abr may jun jul ago

Fijo Variable Ingresos Gastos

@MorisDieck www.morisdieck.com

abr may jun jul ago sep

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

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

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

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

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

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

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

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

Ingresos vs. Gastos Gastos

50,000
$35,000 45,000
$30,000 40,000
$25,000 35,000
30,000
$20,000
25,000
$15,000 20,000
$10,000 15,000
$5,000 10,000
5,000
 $30,000 40,000
$25,000 35,000
30,000
$20,000
25,000
$15,000 20,000
$10,000 15,000
$5,000 10,000
5,000
$0
1 2 3 4 5 6 7 8 9 10 11 12 -
abr may jun jul ago sep oct nov dic
Hogar Familia Transporte Deudas
Ingresos Gastos Personales Ocio Otros
 oct nov dic Suma Promedio

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

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

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

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

$46,600 $46,600 $76,600 $662,200 $55,183

$28,500 $28,500 $28,500 $342,000 $28,500
$15,000 $15,000 $15,000 $180,000 $15,000
$3,000 $3,000 $3,000 $36,000 $3,000
$5,000 $5,000 $5,000 $60,000 $5,000
$500 $500 $500 $6,000 $500
$500 $500 $500 $6,000 $500
$3,500 $3,500 $3,500 $42,000 $3,500
$1,000 $1,000 $1,000 $12,000 $1,000
$11,300 $11,300 $11,300 $171,600 $14,300
$0 $0 $0 $24,000 $2,000
$10,000 $10,000 $10,000 $120,000 $10,000
$1,000 $1,000 $1,000 $12,000 $1,000
$300 $300 $300 $3,600 $300
$0 $0 $0 $2,000 $167
$0 $0 $0 $10,000 $833
$0 $0 $0 $0 $0
$2,200 $2,200 $2,200 $33,400 $2,783
$0 $0 $0 $3,000 $250
$2,000 $2,000 $2,000 $24,000 $2,000
$0 $0 $0 $4,000 $333
$200 $200 $200 $2,400 $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 $0 $0
$0 $0 $0 $0 $0
$2,000 $2,000 $2,000 $24,000 $2,000
 $1,000 $1,000 $1,000 $12,000 $1,000
$1,000 $1,000 $1,000 $12,000 $1,000
$0 $0 $0 $0 $0
$0 $0 $0 $0 $0
$0 $0 $0 $0 $0
$2,500 $2,500 $32,500 $90,000 $7,500
$500 $500 $500 $6,000 $500
$2,000 $2,000 $2,000 $24,000 $2,000
$0 $0 $0 $0 $0
$0 $0 $30,000 $60,000 $5,000
$0 $0 $0 $0 $0
$100 $100 $100 $1,200 $100
$100 $100 $100 $1,200 $100
$0 $0 $0 $0 $0
$0 $0 $0 $0 $0
$0 $0 $0 $0 $0
$0 $0 $0 $0 $0

$20,400 $20,400 -$9,600 $141,800 $11,817

-$5,400 -$5,400 $24,600 $38,200 $3,183

Libertad financiera
50,000
45,000
40,000
35,000
30,000
25,000
20,000
15,000
10,000
5,000
40,000
35,000
30,000
25,000
20,000
15,000
10,000
5,000
-

Ingreso pasivo Gastos fijos

 Indicadores

Gastos
Fijos (% de ingreso) 67% Arriba del 50% es mucho
Variables (% de ingreso) 16% ~30% es sano

Utilidad personal
Utilidad promedio mensual $ 11,817
% de ingresos 18% 10-20% es sano

Ahorro de emergencias meta

3 meses de gastos fijos $ 133,750
4 meses de gastos fijos $ 178,333
6 meses de gastos fijos $ 267,500

Capacidad de endeudamiento mensual $ 5,908

(El 50% de la utilidad de cada mes)
Ahorro/inversión = >20% del ingreso
Mensualidad para deudas <30% ingreso
Pago de renta mensual = <35% del ingreso
Pago de hipoteca mensual <40% ingreso
Libertad financiera = Ingresos pasivos = Gastos fijos
Felicidad = Estar en el bootcamp con Moris
Gastos fijos = < 50% del ingreso
Gastos personales (ocio incluido) = < 30% del ingreso
Ahorro de emergencias = 3-6 meses de gastos fijos
El ahorro de emergencia debe estar invertido a la vista
50% Gastos fijos, 30% Gastos variables, 20% ahorro
Ingreso activ 50,000
Ingreso pasiv 17,000
Fijo 44,583
Variable 10,600
Tipo de gastoTipo de ingreso
Fijo Activo
Variable Pasivo
 TMB PRESUPUESTO @MorisDieck

INSTRUCCIONES: Llena solo los recuadros amarillos

ene feb mar

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

Ingresos $67,000 $0 $0
Fijo $37,000 $0 $0
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 $0 $0
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 $0 $0
Hogar $28,500 $0 $0
Renta Fijo $15,000
Servicios Fijo $3,000
Alimentos Fijo $5,000
Seguro hogar Fijo $500
Telefono e internet Fijo $500
Limpieza Fijo $3,500
Tintorería Fijo $1,000
Familia $29,300 $0 $0
Colegiatura Variable $12,000
Seguro médico Variable $10,000
Ropa familia Variable $1,000
Medicinas Variable $300
Chequeo médico Variable $1,000
Gastos escuela Variable $5,000
Pañales Variable $0
Transporte $9,200 $0 $0
Mantenimiento Fijo $3,000
Gasolina Fijo $2,000
Seguro auto Fijo $4,000
Lavado Fijo $200
Transporte Fijo $0
Deudas $0 $0 $0
Tarjeta de crédito Variable $0
Crédito hipotecario Variable $0
Crédito personal Variable $0
Crédito educativo Variable $0
Tarjeta departamental Fijo $0
Gastos personales $2,000 $0 $0
Ropa Variable $1,000
Salon de belleza Variable $1,000
Cuidado personal Variable $0
Mascota Variable $0
Otros personales Variable $0
Ocio/Entretenimiento $2,500 $0 $0
Cine Fijo $500
Restaurantes Fijo $2,000
Juntas sociales Fijo $0
Viajes Fijo $0
Otros Fijo $0
Otros $100 $0 $0
Membresías Variable $100
Revistas Variable $0
Otros Variable $0
xxxxx Variable $0
xxxxx Variable $0

Utilidad personal -$4,600 $0 $0

Te falta para tu meta… $19,600 $0 $0

Ingresos Ingresos vs. Gastos

$80,000 $80,000

$70,000 $70,000

$60,000 $60,000

$50,000 $50,000

$40,000 $40,000

$30,000 $30,000

$20,000 $20,000

$10,000 $10,000
$70,000
$60,000 $60,000

$50,000 $50,000

$40,000 $40,000

$30,000 $30,000

$20,000 $20,000

$10,000 $10,000

$0 $0
ene feb mar abr may jun jul ago sep oct nov dic ene feb mar abr may jun jul ago

Fijo Variable Ingresos Gastos

@MorisDieck www.morisdieck.com

abr may 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 $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 Gastos Libertad

$35,000 45,000
$30,000 40,000

$25,000 35,000
30,000
$20,000
25,000
$15,000
20,000
$10,000
15,000
$5,000 10,000
$0 5,000
 $25,000 35,000
30,000
$20,000
25,000
$15,000
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
abr may jun jul ago sep oct nov dic -
Hogar Familia Transporte Deudas
Ingresos Gastos Personales Ocio Otros Ingreso pa
oct nov dic Suma Prom. Real Prom. PPTO

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

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

$0 $0 $0 $67,000 $5,583 $67,000

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

$0 $0 $0 $71,600 $5,967 $55,183

$0 $0 $0 $28,500 $2,375 $28,500
$15,000 $15,000 $15,000
$3,000 $3,000 $3,000
$5,000 $5,000 $5,000
$500 $500 $500
$500 $500 $500
$3,500 $3,500 $3,500
$1,000 $1,000 $1,000
$0 $0 $0 $29,300 $2,442 $14,300
$12,000 $12,000 $2,000
$10,000 $10,000 $10,000
$1,000 $1,000 $1,000
$300 $300 $300
$1,000 $1,000 $167
$5,000 $5,000 $833
$0 $0 $0
$0 $0 $0 $9,200 $767 $2,783
$3,000 $3,000 $250
$2,000 $2,000 $2,000
$4,000 $4,000 $333
$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 $2,000 $167 $2,000
 $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 $208 $7,500
$500 $500 $500
$2,000 $2,000 $2,000
$0 $0 $0
$0 $0 $5,000
$0 $0 $0
$0 $0 $0 $100 $8 $100
$100 $100 $100
$0 $0 $0
$0 $0 $0
$0 $0 $0
$0 $0 $0

$0 $0 $0 -$4,600 -$383 $11,817

$0 $0 $0 $19,600 $1,633 $3,183

Libertad financiera
Ingreso pasivo Gastos fijos
 Indicadores

Gastos
Fijos (% de ingreso) 720% Arriba del 50% es mucho
Variables (% de ingreso) 562% ~30% es sano

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

Ahorro de emergencias meta

3 meses de gastos fijos $ 120,600
4 meses de gastos fijos $ 160,800
6 meses de gastos fijos $ 241,200

Capacidad de endeudamiento mensual -$ 192

(El 50% de la utilidad de cada mes)
Ingreso activ 50,000
Ingreso pasiv 17,000
Fijo 40,200
Variable 31,400
Tipo de gastoTipo de ingreso
Fijo Activo
Variable Pasivo
 TU PATRIMONIO
INSTRUCCIONES: Llena solo los recuadros amarillos

Activo Valor
Departamento en Los Cabos $6,000,000
Carro $350,000
Otro $200,000

Total $6,550,000

Pasivo Valor
Crédito hipotecario $4,500,000
Deuda en tarjeta de crédito $15,000
Crédito automotriz $180,000
Otro $50,000

Total $4,745,000

Patrimonio Neto (activos - pasivos) $1,805,000

NIO @MorisDieck www.mori

ecuadros amarillos

¿Te genera ingresos? Ingreso mensual

Si $25,000
No $0
No $5,000
No
No
No
No
$30,000

¿Abonas mensualmente? Pago mensual

Si $23,000
Si $3,000
Si $6,000
No $2,500
No
No
No
$34,500
www.morisdieck.com
Tipo de gasto
Fijo
Variable
Tipo de ingreso
Activo
Pasivo