[請問] 理財要怎麼學?
一直以來我最大的缺點就是沒有理財觀念
每個月薪資還沒進戶頭就在計畫要怎麼花錢
所以現在都33歲了存款還是0
昨天一時衝動又刷卡買了古箏…
請問我是不是該把卡剪掉?
但我一方面又覺得信用卡很方便
訂飯店、訂機票滿需要的
而且買東西可以分期
刷完可以馬上擁有,接下來幾個月再還就好
請問我的觀念是不是大錯特錯呢?
我真的不知道該怎麼規劃金錢
其實我真的很想存錢,覺得一個月至少該存個一萬吧
但是我目前狀況是還有好幾筆分期付款的卡費還沒繳
金額有好幾萬這麼多(卡債)
加上每個月底要繳卡費,月初要匯房租
但是我10號才發薪
所以我常常會用預借現金功能
先繳完卡費再說
每個月都是這樣挖東牆補西牆
這樣真的很糟…
請問我能怎麼做呢?
唉…
--
※ 發信站: 批踢踢實業坊(ptt.cc), 來自: 27.52.40.28
※ 文章網址: https://www.ptt.cc/bbs/ask/M.1502391329.A.156.html
推
08/11 02:59, , 1F
08/11 02:59, 1F
→
08/11 03:01, , 2F
08/11 03:01, 2F
謝謝你,我開始記帳三個月了,但還是
一直在花錢,我會努力的。
※ 編輯: ParaTuAmor (27.52.40.28), 08/11/2017 03:06:58
推
08/11 03:11, , 3F
08/11 03:11, 3F
→
08/11 03:11, , 4F
08/11 03:11, 4F
→
08/11 03:11, , 5F
08/11 03:11, 5F
→
08/11 03:11, , 6F
08/11 03:11, 6F
推
08/11 03:13, , 7F
08/11 03:13, 7F
→
08/11 03:14, , 8F
08/11 03:14, 8F
推
08/11 03:14, , 9F
08/11 03:14, 9F
→
08/11 03:14, , 10F
08/11 03:14, 10F
→
08/11 03:14, , 11F
08/11 03:14, 11F
→
08/11 03:16, , 12F
08/11 03:16, 12F
→
08/11 03:17, , 13F
08/11 03:17, 13F
推
08/11 03:59, , 14F
08/11 03:59, 14F
推
08/11 06:23, , 15F
08/11 06:23, 15F
推
08/11 07:10, , 16F
08/11 07:10, 16F
推
08/11 07:28, , 17F
08/11 07:28, 17F
→
08/11 07:28, , 18F
08/11 07:28, 18F
推
08/11 07:36, , 19F
08/11 07:36, 19F
→
08/11 07:37, , 20F
08/11 07:37, 20F
→
08/11 08:06, , 21F
08/11 08:06, 21F
推
08/11 08:11, , 22F
08/11 08:11, 22F
→
08/11 08:19, , 23F
08/11 08:19, 23F
→
08/11 08:22, , 24F
08/11 08:22, 24F
→
08/11 08:28, , 25F
08/11 08:28, 25F
推
08/11 09:00, , 26F
08/11 09:00, 26F
→
08/11 09:27, , 27F
08/11 09:27, 27F
→
08/11 09:28, , 28F
08/11 09:28, 28F
→
08/11 09:28, , 29F
08/11 09:28, 29F
→
08/11 09:30, , 30F
08/11 09:30, 30F
→
08/11 09:31, , 31F
08/11 09:31, 31F
→
08/11 09:33, , 32F
08/11 09:33, 32F
→
08/11 09:34, , 33F
08/11 09:34, 33F
→
08/11 09:34, , 34F
08/11 09:34, 34F
→
08/11 09:36, , 35F
08/11 09:36, 35F
→
08/11 09:37, , 36F
08/11 09:37, 36F
→
08/11 09:39, , 37F
08/11 09:39, 37F
→
08/11 09:40, , 38F
08/11 09:40, 38F
→
08/11 09:40, , 39F
08/11 09:40, 39F
→
08/11 09:41, , 40F
08/11 09:41, 40F
→
08/11 09:41, , 41F
08/11 09:41, 41F
→
08/11 09:41, , 42F
08/11 09:41, 42F
→
08/11 09:41, , 43F
08/11 09:41, 43F
→
08/11 09:42, , 44F
08/11 09:42, 44F
→
08/11 09:42, , 45F
08/11 09:42, 45F
推
08/11 09:43, , 46F
08/11 09:43, 46F
推
08/11 09:43, , 47F
08/11 09:43, 47F
→
08/11 09:44, , 48F
08/11 09:44, 48F
→
08/11 09:45, , 49F
08/11 09:45, 49F
→
08/11 09:48, , 50F
08/11 09:48, 50F
→
08/11 09:50, , 51F
08/11 09:50, 51F
→
08/11 09:50, , 52F
08/11 09:50, 52F
推
08/11 10:59, , 53F
08/11 10:59, 53F
→
08/11 11:50, , 54F
08/11 11:50, 54F
→
08/11 11:50, , 55F
08/11 11:50, 55F
→
08/11 11:50, , 56F
08/11 11:50, 56F
推
08/11 12:00, , 57F
08/11 12:00, 57F
推
08/11 12:04, , 58F
08/11 12:04, 58F
推
08/11 12:16, , 59F
08/11 12:16, 59F
→
08/11 12:16, , 60F
08/11 12:16, 60F
推
08/11 12:45, , 61F
08/11 12:45, 61F
→
08/11 13:43, , 62F
08/11 13:43, 62F
→
08/11 13:43, , 63F
08/11 13:43, 63F
噓
08/11 21:44, , 64F
08/11 21:44, 64F
→
08/11 21:45, , 65F
08/11 21:45, 65F
→
08/11 21:45, , 66F
08/11 21:45, 66F
推
08/11 22:21, , 67F
08/11 22:21, 67F
→
08/11 22:21, , 68F
08/11 22:21, 68F
→
08/11 22:21, , 69F
08/11 22:21, 69F
推
08/12 00:20, , 70F
08/12 00:20, 70F
推
08/12 03:29, , 71F
08/12 03:29, 71F
→
08/12 03:30, , 72F
08/12 03:30, 72F
→
08/12 03:30, , 73F
08/12 03:30, 73F
→
08/12 03:31, , 74F
08/12 03:31, 74F
推
08/12 17:51, , 75F
08/12 17:51, 75F
推
08/12 21:01, , 76F
08/12 21:01, 76F
我看了最近三個月的寄帳內容,主要花費是每天的伙食費
還有就是飲料喝太多、買化妝品和衣服、偶爾會坐計程車(快遲到的時候)
有時候午餐去吃個迴轉壽司就花了300塊...
其實我一開始給自己設定的預算是一天生活費300塊
結果這一年多來都沒有過著很節制的生活
加上上晚班會想吃消夜,所以幾乎每天伙食費都會超過300...
我已經把古箏給退掉了
信用卡會交給爸媽保管
估算一下分期付款今年可以全部還清,之後不敢再刷了...
謝謝各位大大的寶貴意見QQ
※ 編輯: ParaTuAmor (36.231.152.103), 08/13/2017 14:54:56
推
09/06 16:05, , 77F
09/06 16:05, 77F
→
09/06 16:06, , 78F
09/06 16:06, 78F
→
09/06 16:06, , 79F
09/06 16:06, 79F
推
10/24 21:40, , 80F
10/24 21:40, 80F