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怎樣儲錢有效率?
09 May 2016

大部分人應該都認同,「記帳」是職場新丁理財的第一課,但如果不配合「預算」來檢討,「記帳」是不會為你提供任何可以改進的提示。

 

台灣著名理財達人施昇輝,最近發表專欄,為年輕一輩提供小小理財建議。先將薪水分成「衣、食、住、行、育、樂和存」七大項。這七大項中,有為了生存所需的必然開支,例如食、住、行,而有些則可以因應情況調整:例如衣、育、樂。而最重要的除了支出預算,還有「存」這個每月存錢目標。他形容,如果存不了錢,就別奢望理財。

 

 

他以台灣年輕人一般月薪三萬元新台幣來作出預算建議:

食 6000元

衣 3000元

住 6000元

行 3000元

育 3000元

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