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(Frits Ahlefeldt-Laurvig, CC BY-ND 2.0)
me2we小編按:創造家庭財富雖非一蹴可及,但也有方法可循。今天作者和我們分享幾個十分受用的觀念,希望成為您和另一半攜手創造家庭財務的祝福喔!
1.將儲蓄方程式改為「收入-儲蓄=支出」
2.勤記帳,以便分析節流。
--
我們現今所處的社會,在油電雙漲,以及勞保、健保、199 吃不飽的環境下,惟獨薪資不漲;這對於辛苦打拚的上班族而言是莫大的衝擊。為了避免發生「靠山山倒,靠人人跑」的窘境,學習理財應該是一項全民運動。只要透過選擇適合的理財工具,並且確實執行,相信您的家庭也能達到財務自由、輕鬆退休的目標。
每個家庭的共同課題
開門七件事:「柴、米、油、鹽、醬、醋、茶」,處處都跟錢有關係,尤其在物價飛漲的年代,一個家庭要維持家中的基本開銷實屬不易,更談不上要讓家庭過好日子;但若是連基本開銷都無法負擔的話,這樣的家庭經濟狀況,不是靠著借錢度日,逐漸走向社會的底層,就是家庭成員分崩離析。
所以,對於一個小資家庭來講,管理好家中的經濟,是維繫及提升家庭生活水平的重要關鍵;因此,家庭理財是一門非常重要的課題,在執行的過程中間,若是家庭成員能夠全員參與,除了可以有共同的目標,凝聚家庭的向心力,也可以藉此維繫家庭成員之間的感情。
理財的基本原則與方法
俗話說:「人不理財,財不理你。」相信大家都已耳熟能詳;我們在接觸理財之前,應該要先了解理財規劃真正的內涵。舉凡:風險規劃、投資規劃、節稅規劃、資產轉移……,都是屬於理財的範疇,所以理財不是有錢人的專利,有錢人要理財,小資族群更需要理財,只是規劃的面向不同罷了。而小資家庭要能夠邁向富足,在理財行動上,有幾項基本功是必須確實做到的事情。
一、建立正確的儲蓄觀念
經營之神王永慶先生有句名言:「你賺的一塊錢不是你的錢,你存的一塊錢才是你的錢。」以往我們慣用的儲蓄方程式是「收入-支出=儲蓄」,這樣容易造成隨性消費,以致常常月底都還沒到,就得借錢度日,更遑論要儲蓄,「月光族」的名號也因此不脛而走。若將儲蓄方程式改為「收入-儲蓄=支出」,意指在領到薪水後,先將預定的金額存起來,剩餘的部分才是當月可以自由運用的金額,如此便可降低消費欲望,朝人生的第一桶金邁進。
二、開始記帳,達成節流
透過記帳,我們可以檢視每月及年度的收支狀況,並且從中抓出哪些是因為想要而非必要的花費,進而改變消費習慣,成功擺脫月光族。只要紮實地記帳,即可有效地降低開銷,達到節流的目的。
(待續)
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本內容獲愛家文化事業基金會之《家庭好時光》雜誌授權刊載
作者:大眾銀行財富管理事業處襄理 章正宁
更多內容請看 愛家文化事業基金會網站 及 愛家文化事業基金會粉絲頁
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