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(Frits Ahlefeldt-Laurvig, CC BY-ND 2.0)
me2we小編按:本日分享接續談錢,不傷感情(2/5) - 創造家庭的富足與幸福(上),不只是要節流作為防禦,更要設定進攻(開源)的目標。創造財富的過程中,不但需要堅持,更不用「比較」,因為幸福因為「懂得珍惜」而來的。
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理財的基本原則與方法
三、透過開源提升資產
節流對於資產成長的幫助有限,若期望資產能夠以較快的速度增長,還是得靠開源。一般直覺的開源方式,不外乎兼差,多賺些外快,或是靠著投資理財創造收入。另外,撥出一部分的資金投資自己,也是一個不錯的選項。利用閒暇時間進修職場上的技能,或是學習第二專長,都有機會透過工作升遷來達到開源的目的,這對於小資家庭的成員來說,應該要列在優先選項之列。
四、訂定及執行人生的財務規劃
依照人生的不同階段設定短、中、長期目標,擬定計劃後就確實執行,並且定期檢視、調整,期望在不同的時空背景下,仍能有效達成預定的目標。
五、堅持、堅持再堅持
理財規劃就像是一場跟自己比賽的長距離賽跑,需要極大的耐力。千萬不要三天打魚、兩天曬網,也不用「吃碗內、看碗外」,羨慕別人的成就,只要朝著自己所設定的目標前進就對了。
朝目標持續地邁進
愛因斯坦曾經說過:「複利是宇宙中最強大的力量」,只要不是天馬行空、憑空想像的目標,選擇適當的理財工具,確實執行並且定期檢視成效,相信在時間複利的效果下,擁有富足的生活對於您的家庭將不僅是口號或夢想。
若您的家庭已經正在朝著目標前進,恭喜並鼓勵你們繼續堅持下去。如果還沒開始也別氣餒,只要願意從現在開始學習理財,永遠都不嫌晚!
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7/30(四)【me2we幸福講座:談錢,不傷感情】,歡迎點擊此處報名
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 粉絲專頁
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