[問題] 37歲 單身女 現在才開始存錢的薪資分配
先說,請不要 我。我知道我醒的太晚!
37歲 女 目前每月實際入帳薪資56k
(所得稅已經預扣)月光族 開銷如下
房租/孝親費:17000(跟媽媽同住)
債務協商負債:5200(約負債45萬)
扣除上述 每月剩33k
我當愛享受的人當了15年,但現在終於醒了。今年1月開始調整花費習慣,覺得自己每個
月有好多錢,但不知道怎麼支配。
目前想到的是:
1.郵局6年儲蓄險:每月4000。6年後領回30萬(另外每年年繳約5萬,6年後把債務協商負
債還清)
2.10000買債券基金(我真的不會投資)
3.每月5000現金趕快存緊急預備金
4.剩約15000當生活費
我突然發現自己其實收入算不錯
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