18歲大學生該如何理財? - 理財
By Genevieve
at 2012-01-07T03:48
at 2012-01-07T03:48
Table of Contents
<個人狀況>
各位板友大家好,我現在18歲,女生,
目前是私立科大的大一生,在速食店打工。
穿住都由家裡提供,房子是阿嬤的,無房貸問題,
家裡經濟並不富裕,日子都還過得去。
薪水由母親管理,母親有幫我辦郵局定存(放六年),
戶頭的錢無法使用,母親也不會用我戶頭的錢,
目前會使用多餘的金錢去繳每半年一次的學費(四萬多元)。
<目前每月收支狀況>
收入
生活費 4000元
月薪 1萬上下(以時薪100元計算,且無法使用)
支出
郵局定存 1356元(從薪水扣)
生活支出(食行樂) 1500元左右
電話費 768元
------------------------------------------
學費(半年繳) 約四萬多元(支出狀況如個人狀況陳述)
<未來目標>
1.購車 約九萬左右 希望能在就學期間購入
2.理想目標:畢業前能夠有100萬(還有三年半)
自己還有富邦的戶頭,想拿來做定存,
但是門檻有點高,每期要存入一萬。
我不懂該怎麼去理財,所以想痲煩各位板友給點意見,
我要怎麼理財對我是好又風險低的呢?
懇請各位板友提供建議與意見,非常感謝你們!
--
各位板友大家好,我現在18歲,女生,
目前是私立科大的大一生,在速食店打工。
穿住都由家裡提供,房子是阿嬤的,無房貸問題,
家裡經濟並不富裕,日子都還過得去。
薪水由母親管理,母親有幫我辦郵局定存(放六年),
戶頭的錢無法使用,母親也不會用我戶頭的錢,
目前會使用多餘的金錢去繳每半年一次的學費(四萬多元)。
<目前每月收支狀況>
收入
生活費 4000元
月薪 1萬上下(以時薪100元計算,且無法使用)
支出
郵局定存 1356元(從薪水扣)
生活支出(食行樂) 1500元左右
電話費 768元
------------------------------------------
學費(半年繳) 約四萬多元(支出狀況如個人狀況陳述)
<未來目標>
1.購車 約九萬左右 希望能在就學期間購入
2.理想目標:畢業前能夠有100萬(還有三年半)
自己還有富邦的戶頭,想拿來做定存,
但是門檻有點高,每期要存入一萬。
我不懂該怎麼去理財,所以想痲煩各位板友給點意見,
我要怎麼理財對我是好又風險低的呢?
懇請各位板友提供建議與意見,非常感謝你們!
--
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