似乎沒得省了 - 投資

By Carolina Franco
at 2022-09-08T17:28
at 2022-09-08T17:28
Table of Contents
31Y 台北
上個月個人認爲是今年以來花費最少的一個月
7-8 月發票只有 77 張(過去 12 期都 90-120 張)
心血來潮拉了一下上個月支出(用記帳軟體)
孝親費用 10,499 | 24.02%
三餐約會朋友聚餐 10,148 | 23.22%
自住房貸及管理費 8,592 | 19.65% (房貸與老婆各付一半,寬限期中)
大賣場採買 3,901 | 8.92% (買食材、日用品、柴米油)
網路電費水費瓦斯 3,682 | 8.42% (網路 500M $1,199 手機 $599)
娛樂費健身房+固定買樂透 1,938 | 4.43% (健身房每月 $988樂透每月1k-2k做公益)
學貸本利支出 1,825 | 4.17% (明年還清學貸,利率 1% 剩下 18K)
信貸利息支出 1,321 | 3.02% (信貸還剩 68 萬,剩下 6 年,利率 2%)
串流訂閱費 700 | 1.60% (YouTube / Google One / iCloud)
理髮洗頭 650 | 1.49% (洗 + 剪 $650,上個月奢侈一次洗頭)
診所就診 200 | 0.46% (掛號看醫生一次)
機車油錢 106 | 0.24% (每天上下班都騎機車,公司很近)
其他 100 | 0.23%
騎 Ubike 約會 35 | 0.08%
投資抽籤股票 20 | 0.05% (中探針,未中籤)
------
總計 43,717 | 100%
上個月已經覺得很省了,但總計還是支出了 $43,717
佔大宗的父母孝親費用是不能省的
爸媽已經沒工作,會需要我這筆錢在鄉下生活
自認三餐約會費用算低了...
會想再省錢的原因是因為
我目前儲蓄率約 50%-55% 一直想提高到 60%-65%
增加提早 FIRE 的成功率
不過看了一下我的支出,好像真的沒有可以省的地方了 T_T
覺得每個月不做什麼事,沒額外物欲、沒出去玩
似乎就要花 $43,717 想一想也是滿驚人的 >_<
--
上個月個人認爲是今年以來花費最少的一個月
7-8 月發票只有 77 張(過去 12 期都 90-120 張)
心血來潮拉了一下上個月支出(用記帳軟體)
孝親費用 10,499 | 24.02%
三餐約會朋友聚餐 10,148 | 23.22%
自住房貸及管理費 8,592 | 19.65% (房貸與老婆各付一半,寬限期中)
大賣場採買 3,901 | 8.92% (買食材、日用品、柴米油)
網路電費水費瓦斯 3,682 | 8.42% (網路 500M $1,199 手機 $599)
娛樂費健身房+固定買樂透 1,938 | 4.43% (健身房每月 $988樂透每月1k-2k做公益)
學貸本利支出 1,825 | 4.17% (明年還清學貸,利率 1% 剩下 18K)
信貸利息支出 1,321 | 3.02% (信貸還剩 68 萬,剩下 6 年,利率 2%)
串流訂閱費 700 | 1.60% (YouTube / Google One / iCloud)
理髮洗頭 650 | 1.49% (洗 + 剪 $650,上個月奢侈一次洗頭)
診所就診 200 | 0.46% (掛號看醫生一次)
機車油錢 106 | 0.24% (每天上下班都騎機車,公司很近)
其他 100 | 0.23%
騎 Ubike 約會 35 | 0.08%
投資抽籤股票 20 | 0.05% (中探針,未中籤)
------
總計 43,717 | 100%
上個月已經覺得很省了,但總計還是支出了 $43,717
佔大宗的父母孝親費用是不能省的
爸媽已經沒工作,會需要我這筆錢在鄉下生活
自認三餐約會費用算低了...
會想再省錢的原因是因為
我目前儲蓄率約 50%-55% 一直想提高到 60%-65%
增加提早 FIRE 的成功率
不過看了一下我的支出,好像真的沒有可以省的地方了 T_T
覺得每個月不做什麼事,沒額外物欲、沒出去玩
似乎就要花 $43,717 想一想也是滿驚人的 >_<
--
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