Todo el mundo tiene un presupuesto. Incluso usted, aunque nunca se haya tomado el trabajo de ponerlo por escrito, tiene un presupuesto.
Un presupuesto es una suposición que antecede a una acción. Etimológicamente, una suposición (del latín suppōno) es algo que “está debajo”, o algo que “somete”. Y, como seres humanos, ese
“algo” que sustenta nuestra acción y somete nuestra voluntad está compuesto por creencias. Las
creencias no son ideas fugaces. Todo lo contario: son pensamientos tan arraigados en nuestro ser
que echan raíces en nuestras emociones y en nuestros hábitos, por lo cual su reconocimiento no
resulta fácil.
Trabajé varios años en una escuela. Allí, conocí a un colega que suponía que siempre habría
alguien que le haría un préstamo cada vez que su dinero no le alcanzara para cubrir sus gastos
mensuales. Suponía, además, que no era necesario pagar dichas deudas y que, si alguien se
molestaba por sus reiterados incumplimientos y decidía dejar de prestarle, siempre encontraría la
manera de evadirlo y toparse, al mismo tiempo, con otra persona dispuesta a facilitarle dinero.
Estoy casi seguro de que mi colega nunca tomó lápiz y papel para elaborar su presupuesto. Sin
embargo, él sí tenía un presupuesto implícito. De hecho, si se hubiera tomado el trabajo de
ponerlo por escrito, posiblemente habría elaborado una tabla con casillas asignadas a cada uno de
los familiares, amigos y compañeros de trabajo a quienes podía acudir en busca de préstamos. En
cada casilla, iría escrito el monto que acostumbraba solicitarles. Además, llevaría mes a mes una
sofisticada contabilidad de sus acreedores: eliminaría aquellas personas que ya no le prestaran,
ingresaría nuevos prestamistas y, además, aumentaría los montos solicitados a quienes aún le
prestaran.
También viví mucho tiempo con mi tía. Ella tenía un presupuesto y, de hecho, lo convirtió en un
lema que repetía constantemente: “de los pequeños ahorros nacen las grandes economías”. Por eso, trabajaba como lavandera cuando estaba más joven y, con los recursos que obtenía de ese modo, compraba pollos de engorde que luego vendía. Por eso, impulsó a su timorato esposo a
realizar un crédito que le permitió adquirir un lote para construir, poco a poco, una vivienda de
dos pisos. Años después, vendió esa vivienda y compró otra para vivir cerca de su hija.
A veces, mi tía ponía por escrito sus presupuestos. Eran cálculos rudimentarios, relacionados con
algunos de sus proyectos importantes, los cuales escribía en sus innumerables libretas de apuntes.
Pero, principalmente, el presupuesto de mi tía se encontraba implícito en su entendimiento y se
hacía explícito, además, en su manera de actuar.
De todo lo anterior, uno puede concluir que el presupuesto no es una tabla con casillas. El
presupuesto es el reflejo de un ordenamiento interior. Cuando alguien se toma el trabajo de usar
un modelo de presupuesto se está obligando, de algún modo, a modificar sus creencias, lo cual es
bastante difícil. Por eso, en muchas ocasiones, la adversidad es el mejor aliciente para considerar la posibilidad de presupuestarse.
No vale la pena, sin embargo, esperar una mala racha para aprender a vivir bien.
Presupuestarse permite encontrar razones para vivir y, como afirma Nietszche, "quien tiene un por qué para vivir, encontrará casi siempre el cómo".
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