22歲應屆女理財規劃 - 理財
By Hedy
at 2020-11-08T04:44
at 2020-11-08T04:44
Table of Contents
<背景>
四中 冷門科系畢
吃家裡用家裡 沒給孝親
月薪:36k
(扣勞健保+6%自提 薪水32512)
經常加班:實領平均約是34k/月
年終:固定1.5個月
績效獎金:普通考績 獎金給3個月
每年固定調薪 幅度看表現
目前聽到最低只調700
<規劃>
雖然實領超過30k
但財富配置是拿30k來規劃
超過30k的錢當作不存在 無痛存錢
規劃時用631法則來做些微調整
依分配的用途
每筆錢都有放進不同戶頭
所以還沒有發生花超出預算的情況
但剛好花光光的情況是有的QQ
大學積蓄+工作三個月的資產:
臺幣活存50k
股票57k
保險+儲蓄放同個戶頭:
3000+3000
保險實際是2811/月(年繳信用卡分12期0利率)
保費繳完剩下的就繼續放同個戶頭併入儲蓄這樣
每個月被我當作不存在的錢也是丟這個戶頭
投資用國泰的定期定額:7000
元大50:5000 台新金:2000
生活費:實際上是我+貓的生活費
11000+6000
貓的錢會分兩個戶頭
貓生活費:3000
貓醫療備用金:3000
當月貓沒花完的生活費
會併入貓醫療備用金
剩下的11000才是我的生活費
固定開銷油錢:300(騎去捷運站)
捷運月票:1280
電話費:549
netflix:100
家裡電費:約2000~3000/月
飯錢:3000~4500
治裝&化妝&保養&娛樂:生活費有剩才會花
如果領到次月的薪水
生活費還有剩 就會丟進儲蓄戶頭
但目前還沒發生過這種事
通通都花光光了QQ
最後還有小桶子錢錢:當天晚上錢包有零錢或百鈔就會丟進這個桶子
(500或千鈔不會丟)
會出現在錢包的其實就是生活費
其實也是加減無痛存一點錢
每個月桶子通常會多1500~2000
機油、輪胎/朋友生日/父or母親節
這種非每個月的支出會從桶子拿
紅包:沒給孝親 所以紅包給較多
爸媽我各包12000
阿公阿嬤因爸媽還在包 叫我各包2000就好
同輩還沒有小孩 所以沒煩惱
紅包開銷28000 年終能cover
<目標>
不喜歡小孩 以及很有自知之明
自己不是個適合過日子的人 哈哈
住雙北 月薪也不高所以機車+捷運就夠了
車位超級貴的>\\\<
父母有兩間房 以後跟妹妹各一間
所以未來只要考慮自己就好
買車、房子及結婚生子都pass
最先要完成的目標是存到緊急備用金20萬&牙齒矯正14萬
之後的目標是
30歲後每年可以給自己10萬買生日禮物
35歲前有存款200萬
以及工作到65歲退休時 存款1000萬
想請教各位我的金錢配置有哪裡需要改進的嗎?
或是有什麼我沒注意到的風險?
然後貓的錢因為不會挪給自己用
所以我不會把貓的醫療金當儲蓄
那是給他的 除非他死掉
不然那貓咪戶頭的錢都是要用在他身上的
哈哈哈哈哈哈哈
以上 謝謝大家!!!
(手機發文 如果排版傷眼我再調整)
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Sent from JPTT on my Sony XQ-AU52.
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