尼特族的理財規劃(如何不工作然後生存下) - 理財
By Adele
at 2023-03-26T23:29
at 2023-03-26T23:29
Table of Contents
小弟目前沒有工作,但是手邊有一些以前工作存下的資產(只工作過半年)
老爸說我給他18%優存帳戶的本金,就把優存帳戶給我當零用錢,給了他126000,一個月能生出1890
存款95000左右
這就是小弟的全部資產了
目前每個月花費
手機網路費600
水電瓦斯房租全免因為住家裡
大部分在家吃,偶爾外食或買小點心,大約一個月2000
醫療保健食品或是額外支出一個月2000
養貓咪的費用,一個月1000,跟家人平分
交通費400,主要是騎摩托車,捷運因我有愛心卡故免費,我也不常去外縣市都在台北
這樣差不多一個月要花6000
另外在說一下家裡的財務狀況,有台北兩棟房,台中一棟房,其中一棟欠400萬房貸,另外兩棟無負債
家裡只有爸爸在工作,賺的錢剛好夠繳房貸然後支付家裡開銷而已,父母都沒甚麼存款
另有儲蓄險租金收入每個月約兩萬收入
父58.5母60.5歲,離領勞保退休金還有5年至7年左右
有一個祖母,目前是姑姑在養,偶爾我會去祖母家吃飯省飯錢
有一個弟弟,目前正在找工作,他也沒什麼存款
請問是否推薦把僅有的九萬元拿去玩股票?我之前靠股票賺了幾千塊,還是有更好的投資方式?
請不要叫我去工作,真的是無法(身體出了點問題)
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Sent from JPTT on my Realme RMX3661.
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