每月38K 這樣子的理財方式是否正確 - 理財
By Catherine
at 2009-10-04T20:26
at 2009-10-04T20:26
Table of Contents
38k不曉得有沒有扣勞健保.
7k給家裡是差不多. (老媽養你這模大,也是該給貢獻些)
電話費500太貴,既然已上班.就用公司電話打吧. (我電話費不超過200)
自用8300太高...
1天150零用錢太高,吃住在家裡, 應該只有中餐是外食.
可以自行設定5000部分可以玩掉. 花掉就不要玩了.. (變成每天公司<=>家裡)
剩下2萬2的分配如下:
1.學貸付越少越好. (利率低到不行,沒必要大額還款)
2.每月預留1000繳稅.
3.每月預留3000元做大額消費.
4.不要定存 (你還年輕,剛出社會無貸款無負擔.不知是你是在保啥命)
扣掉3.投資金額拉大到18,000 (因為你沒規劃這塊)
買基金是可以買進一籃子股票.
但應該是要自己做功課才去買基金.
而不是光聽就決定下手.
衷心建議請勿聽信買保險..任何險種都是經過精算. 不可能撈到好處.
況且你無負擔,死了就死了.不會留下一堆債.
還這麼年輕,身體健康. 等有閒錢再保吧 (建議用滾出來的錢去保,勿用本金)
要保險.不如拿保險費去健診.
*人都是有慾望,用18k拿出來投資有點高估.
**未來,都不打算出國玩? 不打算帶女朋友出去玩?
***永遠不打算買車? 是男人大部分都會從公車=>機車=>汽車,
****機車第一年消費.大概是你2個月的月薪
****汽車第一年消費.大概是你16個月的月薪. (國產車約60萬),除非你不買車囉.
※ 引述《kewang (對呀對呀對呀對呀)》之銘言:
: 謝謝各位網友的推文以及來信的建議,昨天是中秋節,剛好有遇到我堂哥,他是寶來協理
: ,也跟他聊了一下,目前我打算調整配置如下:
: 薪水: 38000
: 目前存款:約30000
: 固定支出:
: 家用:7000
: 現在還住在家裡的小房間(http://0rz.tw/vMamm),希望明年可以搬出去,到時候就要
: 付房租了。不過到目前為止我先不想之後的事,先每個月給家裡7000再說吧。
: 悠遊卡:1200
: 一直到目前為止,我的交通工具都是捷運跟公車,由於公司跟家裡坐公車兩段就直達
: 了,所以還沒有考慮要買機車。所以一天交通費大約花50元左右(目前還是用學生票)
: 一個月約22天,共1100元。公司在內湖三總附近,家在新莊副都心附近。
: 電話費: 500
: 有中華跟亞太各一隻,因為不常打電話,所以電話費大都控制在5~600左右。
: 自用:8300
: 這部分包括每天的零用($150/d),跟其他花費。基本上其他花費還蠻少的,大部分花在
: 每個月去我女朋友那邊(宜蘭),跟出去玩而已。希望剩下的錢也可以存一點起來。
: 投資:
: 就貸:3000 (總額約360000,年息1.6%)
: 前6個月先每個月還3000,等到保命財存完後就開始增為9000。如此算法預計要還44個
: 月。
: 定存:9000 (年利率1.185%)
: 看了一些網友的建議,這部分先存保命財。預計是前6個月,每個月存9000。之後開始
: 降低為3000元,剩餘的部分拿來還就貸。
: 基金:9000
: 經由我堂哥的提點,還有Fund板上的一些資訊,目前打算在前半年先買兩檔報酬率還不
: 錯的基金。若是之後加薪幅度較大時,可再多買一檔基金。
: 保險:n/a
: 這部分打算一年後再開始買。
: 基本上我應該就是會拿這個配置表去開始實行我的理財計畫了吧,不知道各位網友還有沒
: 有其他建議呢?
--
7k給家裡是差不多. (老媽養你這模大,也是該給貢獻些)
電話費500太貴,既然已上班.就用公司電話打吧. (我電話費不超過200)
自用8300太高...
1天150零用錢太高,吃住在家裡, 應該只有中餐是外食.
可以自行設定5000部分可以玩掉. 花掉就不要玩了.. (變成每天公司<=>家裡)
剩下2萬2的分配如下:
1.學貸付越少越好. (利率低到不行,沒必要大額還款)
2.每月預留1000繳稅.
3.每月預留3000元做大額消費.
4.不要定存 (你還年輕,剛出社會無貸款無負擔.不知是你是在保啥命)
扣掉3.投資金額拉大到18,000 (因為你沒規劃這塊)
買基金是可以買進一籃子股票.
但應該是要自己做功課才去買基金.
而不是光聽就決定下手.
衷心建議請勿聽信買保險..任何險種都是經過精算. 不可能撈到好處.
況且你無負擔,死了就死了.不會留下一堆債.
還這麼年輕,身體健康. 等有閒錢再保吧 (建議用滾出來的錢去保,勿用本金)
要保險.不如拿保險費去健診.
*人都是有慾望,用18k拿出來投資有點高估.
**未來,都不打算出國玩? 不打算帶女朋友出去玩?
***永遠不打算買車? 是男人大部分都會從公車=>機車=>汽車,
****機車第一年消費.大概是你2個月的月薪
****汽車第一年消費.大概是你16個月的月薪. (國產車約60萬),除非你不買車囉.
※ 引述《kewang (對呀對呀對呀對呀)》之銘言:
: 謝謝各位網友的推文以及來信的建議,昨天是中秋節,剛好有遇到我堂哥,他是寶來協理
: ,也跟他聊了一下,目前我打算調整配置如下:
: 薪水: 38000
: 目前存款:約30000
: 固定支出:
: 家用:7000
: 現在還住在家裡的小房間(http://0rz.tw/vMamm),希望明年可以搬出去,到時候就要
: 付房租了。不過到目前為止我先不想之後的事,先每個月給家裡7000再說吧。
: 悠遊卡:1200
: 一直到目前為止,我的交通工具都是捷運跟公車,由於公司跟家裡坐公車兩段就直達
: 了,所以還沒有考慮要買機車。所以一天交通費大約花50元左右(目前還是用學生票)
: 一個月約22天,共1100元。公司在內湖三總附近,家在新莊副都心附近。
: 電話費: 500
: 有中華跟亞太各一隻,因為不常打電話,所以電話費大都控制在5~600左右。
: 自用:8300
: 這部分包括每天的零用($150/d),跟其他花費。基本上其他花費還蠻少的,大部分花在
: 每個月去我女朋友那邊(宜蘭),跟出去玩而已。希望剩下的錢也可以存一點起來。
: 投資:
: 就貸:3000 (總額約360000,年息1.6%)
: 前6個月先每個月還3000,等到保命財存完後就開始增為9000。如此算法預計要還44個
: 月。
: 定存:9000 (年利率1.185%)
: 看了一些網友的建議,這部分先存保命財。預計是前6個月,每個月存9000。之後開始
: 降低為3000元,剩餘的部分拿來還就貸。
: 基金:9000
: 經由我堂哥的提點,還有Fund板上的一些資訊,目前打算在前半年先買兩檔報酬率還不
: 錯的基金。若是之後加薪幅度較大時,可再多買一檔基金。
: 保險:n/a
: 這部分打算一年後再開始買。
: 基本上我應該就是會拿這個配置表去開始實行我的理財計畫了吧,不知道各位網友還有沒
: 有其他建議呢?
--
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