[問題] 實在是不會理財 >.<
請大家幫我檢視看看或出些主意
25歲的男生
收入: 140w / year
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支出:
房貸 4000/月 (22歲時借了 280 媽姐協助下剩 60萬)
交通費 (油錢) 12000/月(不含維修保養,車子很耗油,該棄安全換省油小車嗎?)
保養+車子保險+維修: 60000/year
稅金: 房屋+地價+燃料+牌照 = 30000/year
個人醫療險: 1500/月 (該繳花期20年期的還本意外險嗎?)
孝親費 : 20000/月
家裡水電+網路+第四台 = 5000/月
飲食:10000/月 (很愛吃阿= = )
手機費用 : 3000
其他雜支、治裝 = 5000
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以上,我覺得壓力很大,存錢的速度不如預期
除了存現金外,也沒有碰任何金融商品了(儲蓄險適合我嗎?)
(因為曾經股票期貨輸了100多萬,就別建議我買股票了)
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問題來了:
1.我該如何運用每個月約 6W 的現金
2.房貸50萬應該要先還掉嗎?
3.該換成一般省油小車嗎? (可是車子也會折舊阿 = 省掉的油錢?)
4.我的保險是不是繳太少了?保障不夠?
5.怎麼改掉凡事嫌麻煩or心理因素就想說自己出錢解決的壞習慣?
(EX: 懶得跟公司討價還價(很摳) 直接幫工讀生付受訓時薪)
(EX: 送禮不好意思送太便宜,結帳先出不收零,不喜計較)
(EX: 對人好,飲料一次都買五六杯大家喝 50藍好貴 >"<)
6.短中長期我應該要有甚麼樣的規劃好了? (現在似乎也不是很好的基金進場點)
對不起,問得很籠統,希望大家可以給我一點點方向
主要想聽聽看理財配置 和 資金運用部分 再度感謝
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※ 發信站: 批踢踢實業坊(ptt.cc)
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