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怎樣儲錢有效率？
09 May 2016

大部分人應該都認同，「記帳」是職場新丁理財的第一課，但如果不配合「預算」來檢討，「記帳」是不會為你提供任何可以改進的提示。

 

台灣著名理財達人施昇輝，最近發表專欄，為年輕一輩提供小小理財建議。先將薪水分成「衣、食、住、行、育、樂和存」七大項。這七大項中，有為了生存所需的必然開支，例如食、住、行，而有些則可以因應情況調整：例如衣、育、樂。而最重要的除了支出預算，還有「存」這個每月存錢目標。他形容，如果存不了錢，就別奢望理財。

 

 

他以台灣年輕人一般月薪三萬元新台幣來作出預算建議：

食　6000元

衣　3000元

住　6000元

行　3000元

育　3000元

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