31魯蛇重新開始,求明燈存錢 - 理財

By Bethany
at 2023-02-24T11:12
at 2023-02-24T11:12
Table of Contents
31歲錢到處亂花,沒有什麼儲蓄。求理財版大大協助存錢
目前身邊存款20萬
月收入6萬
年終約15萬
全年收入約 90萬
目前每月支出如下
學貸+保險:5000
車貸3000(6年)
電話費2000
房租2700(單人套房約4坪)
油錢1000
健身房1200
伙食0(平日都吃公司,假日餐費以放到娛樂部分)
娛樂5000(只有假日吃自己,平日都吃公司)
以上加總約2萬
每個月結餘 4萬,一年48萬,再加上年終約可存65萬
請問我這樣應該怎麼理財?直接硬存兩年然後買一間約700-800的房子嗎?
還是每個月存ETF 房子五年十年後再買?
--
目前身邊存款20萬
月收入6萬
年終約15萬
全年收入約 90萬
目前每月支出如下
學貸+保險:5000
車貸3000(6年)
電話費2000
房租2700(單人套房約4坪)
油錢1000
健身房1200
伙食0(平日都吃公司,假日餐費以放到娛樂部分)
娛樂5000(只有假日吃自己,平日都吃公司)
以上加總約2萬
每個月結餘 4萬,一年48萬,再加上年終約可存65萬
請問我這樣應該怎麼理財?直接硬存兩年然後買一間約700-800的房子嗎?
還是每個月存ETF 房子五年十年後再買?
--
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