[請益] 請問21歲大學生理財規劃~
想請問21歲大二學生的理財規劃>"<
我目前就學貸款已貸了二十一萬
讀完四年約為三十八萬
每月工作時薪收入7000元至8000元左右
每個月須支付補習班學費4000元
(學費是分期付款,共24期,已還了9期)
爸媽每個月會給我生活費
因此我的薪水只用來付學費
剛工作時較沒有存錢觀念,常常不知道把錢花到哪裡
因此現在領到的薪水後扣掉學費,其他全部都存銀行
目前工作了七個月,存了兩萬元左右
請問這樣的存款效率是否太低?
而在負債之下該如何規劃我的微薄薪水 >"<
之前高中時老師曾說
一上大學就去買台電或中華電等等穩定的股票,到畢業時再賣掉應可累積不少錢
有想過試試看老師說的方法,但我對這些完全是一竅不通
也不知道該怎麼跨出第一步比較好
因此來請教各位,給我一些建議,感謝! >"<
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