5大理財觀念和技巧 【好葉】
5大理財觀念和技巧 【好葉】
資料來源: https://www.youtube.com/watch?v=EcG6Mgk33S4
影片概括:
00:51 記賬
01:16 吸引力法則有效嗎?
02:17 每月預算
03:22 掌握投資知識
04:55 做好風險管理
07:06 注重健康
10:14 重點回顧
重點整理
1.刻意記帳
記錄下來才能檢視!
2.每月預算
節省自己的開銷
3.掌握投資知識
擁有技巧才能做出正確行動[找尋適合資己的投資工具,並掌握其操作技巧]
4.做好風險管理
行動前做好保障,風險控管[買齊足夠保險]
5.注重健康
有健康的身心才能有行動的本錢[注重飲食、運動、休息(睡眠)]
2 thoughts on “5大理財觀念和技巧 【好葉】”
… 只要願意「動」,健康就是你的啦!
有固定收入的人從月光族翻身,存到人生第一桶金,你也做得到!~ 90天建立個人脫貧理財系統
https://www.youtube.com/watch?v=-bwiMfCqsBg
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你知道嗎?有一種人每個月收入不高
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但三年后卻能買房辭職財務自由
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而另一種人明明薪水也不差
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卻永遠月光卡在鴉頂
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過着提心弔膽的生活
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你是哪種?
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你以為財務自由是有錢人才能玩的游戲
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00:00:17,680 –> 00:00:21,320
但真像是他只需要90天的正確行動
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就能徹底翻轉命運
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而這就是你改寫人生的起點
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哈嘍大家好
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歡迎回到對金積玉
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一個希望你越來越有錢的財商成長頻道
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今天這期節目
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我們要帶你完成一個月光族逆襲的90天計划
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不靠偏門不靠運氣
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只靠一套可執行
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可復制可驗證的財務行動路線圖
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讓你從焦慮無力不敢打開賬單的狀態
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一步一步走向存的下錢
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還得了債
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養得起投資的財務新人生
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你准備好了嗎?
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因為從現在開始
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你會看到一個你從來沒想過的自己
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能存錢
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能翻身
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甚至能改寫未來
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第一周
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現狀拋息
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改變財務之前
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第一步就是要看清自己現在的狀況
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我們先打開手機銀行APP
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信用卡發卡行的APP
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或是各種支付平台
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把交易記錄通通抓出來
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資料有了之后
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接下來就是分類統計
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支出可以分成三類
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必要支出
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向房租水電車貸訂閱費生活用品
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這些是日常生活不可或缺的
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可選支出就是外食
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購物旅行這種
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不是必須
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但提升生活感的開銷
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還有債務支出
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向學貸信用卡最低還款
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接下來我們要來算一個
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超關鍵的數字儲蓄率
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簡單說就是
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你每個月賺的錢
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扣掉花掉的剩下來的那一部分
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占你總收入的百分之多少
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這個比例能直接看出
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你每個月到底能留下多少錢
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儲蓄率越高
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代表你財務狀況越穩健
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透過這些分類與數據
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我們就能一眼看出問題在哪
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這就是你90天財務逆襲的起點
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先搞清楚錢都花去哪了
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第二周 節流行動
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經過第一周的槃點
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我們已經搞清楚錢都花去哪了
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現在就是重點削開支的時候了
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本周我們要做的就是精准節流
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把每一塊錢都花在值得的地方
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第一步
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把你上周整理出來的支出
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按照金額從大到小排一下
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你會一眼看出哪些項目是
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大魔王 通常最大頭是房租
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雖然這筆錢短期內不好動
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但也可以思考看看
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有沒有可能搬去租金更合理
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CP值更高的地方
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接着看交通費 再來是保險費
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很多人買完保險就沒再管了
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其實不同保險公司價格差很大
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有時候換個方案就能省下不少錢
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然后是大家最容易失控的區塊
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購物跟外食
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這兩項不注意
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一個月就會默默噴掉好几千
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最后別忘了檢查你的訂閱服務
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很多APP 影音平台 會員制課程
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你可能根本沒在用
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卻每個月自動扣款
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這些其實全都是可以立刻砍掉的開支
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別小看這几十几百元
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累積起來超有感
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第三周 自動化理財
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前兩周我們把收支書里清除
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也開始受伸開銷
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現在輪到進一步升級財務系統
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自動化理財
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這周的第一步就是開一個高收益儲蓄賬戶
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這種賬戶的最大優勢
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就是利率比一般活存高不少
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而且資金流動性也很強
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隨時體領沒問題
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萬一有突發狀況也能派上用場
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開好賬戶后關鍵來了
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設定自動轉賬
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也就是每個月一領到薪水
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就自動把一部分錢轉進去
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強迫自己先存在花
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那轉多少財合理
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如果你是剛開始理財的新手
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可以從比較保守的比例開始
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比如薪水的10%
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自動轉到高收益儲蓄賬戶
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5%轉到投資賬戶
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這樣不會太吃緊
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又能慢慢養成儲蓄和投資的習慣
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之后隨着收入提升
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再逐步把比例調高
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別小看這些固定轉出去的金額
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他們就像一顆顆小雪球
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時間一久真的會越滾越大
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最重要的是
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自動化理財可以幫你避開
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先花后存這個陷阱
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讓你不用每天煩惱
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要不要存錢
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錢就默默幫你自己累積起來了
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這就是把理財
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變成一種生活習慣的開始
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第四周 債務清長
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前三周我們已經把儲蓄跟理財的
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基礎達穩
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但如果你身上還被這
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高利息的債務
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這些債就像財務自由路上的
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一顆顆大石頭
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不搬開走不遠
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所以這一周我們的重點就是清債
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第一步把你所有的高利率債務
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列出來
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每一筆都要寫清楚三個重點
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欠多少利率多少
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什么時候要還完
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這些數字會告訴你
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哪一筆是最急着處理的炸彈
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接着就是制定還款計划
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有兩種常見做法可以參考
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第一種是
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先還利率最高的債務
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因為它最傷前
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第二種是每個月多還一點
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哪怕只是多個几百元
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也能大幅縮短還款期
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減少利息之初
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但說到底計划再好
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也要執行才有用
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從這周開始
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按表操克准時還款
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每還完一筆債
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你就離自由更近一步
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那個成就感
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會讓你想繼續努力走下去
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擺脫債務不是一息之間的事
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但你只要肯做
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做對方法就一定辦得到
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第五周
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應急基金儲備
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這周我們要來打造
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財務安全的防空洞
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應急基金
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簡單說
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應急基金就是一筆專門流來
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應付突發狀況的資金
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失業生病車子壞掉
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這些都是你預料不到
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卻又不能不解決的狀況
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一般建議准備
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三到六個月的生活費
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這樣才能應付最壞的情況
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給自己一段喘息時間
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那怎么存出這筆錢
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有几個方法
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你可以試試看
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第一個
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從你家里閑置的東西下手
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整理一下
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有沒有可以二手轉賣的物品
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這些東西都是潛在現金
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第二個
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開賦業
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你會協作
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會剪片
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會畫畫
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這些技能都有變現的機會
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就算沒有專場
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像外送
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跑車這種
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也都能增加收入
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第三個就是
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把你這几周
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節流省下來的錢
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直接轉進應急基金賬戶
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為了讓這筆錢有安全
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又有一點利息
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我們一樣可以放進
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高收益儲蓄賬戶
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資金靈活又有利息
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不知不覺就會慢慢變大
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這筆錢不是拿來投資的
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它的價值在於
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讓你面對人生變數時
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00:06:54,320 –> 00:06:55,240
不會慌
213
00:06:55,240 –> 00:06:56,480
有了這道防線
214
00:06:56,480 –> 00:06:59,880
你的財務地基才真正穩了起來
215
00:06:59,880 –> 00:07:00,520
第六周
216
00:07:00,520 –> 00:07:02,320
開啟投資之旅
217
00:07:02,320 –> 00:07:03,040
前五周
218
00:07:03,040 –> 00:07:04,080
我們已經達下了
219
00:07:04,080 –> 00:07:05,560
穩固的財務地基
220
00:07:05,560 –> 00:07:07,840
現在是時候賣出關鍵一步
221
00:07:07,840 –> 00:07:08,960
開始投資
222
00:07:08,960 –> 00:07:10,960
這周我們要正式走進
223
00:07:10,960 –> 00:07:13,240
財富增值的核心戰場
224
00:07:13,240 –> 00:07:14,560
而對於多數人來說
225
00:07:14,560 –> 00:07:16,400
最穩健又容易上手的
226
00:07:16,400 –> 00:07:18,120
就是指數型投資
227
00:07:18,120 –> 00:07:20,760
其中最推荐的入門選擇就是
228
00:07:20,760 –> 00:07:22,440
標普500指數基金
229
00:07:22,440 –> 00:07:24,640
這只指數是美國市值最大
230
00:07:24,640 –> 00:07:25,680
最具代表性的
231
00:07:25,680 –> 00:07:28,600
500間上市公司的綜合表現
232
00:07:28,600 –> 00:07:31,360
也可以說是美股市場的縮影
233
00:07:31,360 –> 00:07:32,840
你一買進標普500
234
00:07:32,840 –> 00:07:34,240
就等於一次打包
235
00:07:34,240 –> 00:07:36,080
買下這500間公司
236
00:07:36,080 –> 00:07:37,360
不只分散風險
237
00:07:37,360 –> 00:07:38,880
也讓你不用挑股
238
00:07:38,880 –> 00:07:39,880
不用看槃
239
00:07:39,880 –> 00:07:43,040
也能搭上美國整體經濟成長的順風車
240
00:07:43,040 –> 00:07:45,200
那怎么開始投資標普500呢
241
00:07:45,200 –> 00:07:46,040
很簡單
242
00:07:46,040 –> 00:07:49,160
先找一間可信賴的經濟商來開戶
243
00:07:49,160 –> 00:07:50,200
像是OneGuard
244
00:07:50,200 –> 00:07:50,960
Fidelity
245
00:07:50,960 –> 00:07:51,840
Charlotte Schwab
246
00:07:51,840 –> 00:07:53,040
這几間都很穩
247
00:07:53,040 –> 00:07:54,080
手續費也低
248
00:07:54,080 –> 00:07:56,600
我個人使用的是Intervected Brokers
249
00:07:56,600 –> 00:07:57,680
開好戶后
250
00:07:57,680 –> 00:07:59,960
你只要根據自己的資金狀況
251
00:07:59,960 –> 00:08:03,360
選一檔標普500的ETF或共同基金
252
00:08:03,360 –> 00:08:04,520
像是VOO
253
00:08:04,520 –> 00:08:05,400
SPY
254
00:08:05,400 –> 00:08:07,240
FX-AIX這些
255
00:08:07,240 –> 00:08:09,160
買進就完成了第一步
256
00:08:09,160 –> 00:08:12,520
之后我們也可以設定定期定額投資
257
00:08:12,520 –> 00:08:14,200
也就是基金定投
258
00:08:14,200 –> 00:08:16,120
每月固定投入一筆金額
259
00:08:16,120 –> 00:08:17,000
長期下來
260
00:08:17,000 –> 00:08:19,040
付利的力量會慢慢發酵
261
00:08:19,040 –> 00:08:20,920
幫你穩穩累積資產
262
00:08:20,920 –> 00:08:23,160
這周的關鍵是開始
263
00:08:23,160 –> 00:08:25,440
不要等到存很多錢才投資
264
00:08:25,440 –> 00:08:26,880
也不要怕波動
265
00:08:26,880 –> 00:08:28,960
時間才是你最大的盟友
266
00:08:28,960 –> 00:08:30,000
只要開始了
267
00:08:30,000 –> 00:08:31,120
你就已經贏過
268
00:08:31,120 –> 00:08:33,400
還在觀望的大多數人
269
00:08:33,400 –> 00:08:35,520
第七周收入提升
270
00:08:35,520 –> 00:08:37,040
走到這里我們已經把
271
00:08:37,040 –> 00:08:39,920
理財投資債務都穩住了
272
00:08:39,920 –> 00:08:41,360
現在要開始補上
273
00:08:41,360 –> 00:08:43,760
財務飛輪中最關鍵的一塊
274
00:08:43,760 –> 00:08:45,160
讓收入變多
275
00:08:45,160 –> 00:08:47,600
這周的主題就是幫你從不同角度
276
00:08:47,600 –> 00:08:48,680
提升收入
277
00:08:48,680 –> 00:08:50,840
讓進賬跟得上努力
278
00:08:50,840 –> 00:08:51,480
第一步
279
00:08:51,480 –> 00:08:54,320
先從你本業下手爭取加薪
280
00:08:54,320 –> 00:08:56,000
很多人明明表現很好
281
00:08:56,000 –> 00:08:57,480
卻因為不好意思開口
282
00:08:57,480 –> 00:08:59,320
錯過了生心的機會
283
00:08:59,320 –> 00:09:01,880
想談加薪一定要有備而來
284
00:09:01,880 –> 00:09:03,000
你要先搞清楚
285
00:09:03,000 –> 00:09:05,480
自己在市場上這個職位值多少
286
00:09:05,480 –> 00:09:07,920
看看現在薪水是落在偏高
287
00:09:07,920 –> 00:09:09,640
還是偏低的位置
288
00:09:09,640 –> 00:09:11,520
再收集一些產業數據
289
00:09:11,520 –> 00:09:13,280
或值缺行情
290
00:09:13,280 –> 00:09:14,720
做到心中有數
291
00:09:14,720 –> 00:09:16,920
接着准備好你的成果資料
292
00:09:16,920 –> 00:09:18,480
過去半年到一年
293
00:09:18,480 –> 00:09:19,800
你做過哪些案子
294
00:09:19,800 –> 00:09:21,280
幫公司賺了多少
295
00:09:21,280 –> 00:09:22,680
解決了什么問題
296
00:09:22,680 –> 00:09:24,040
這些數字案例
297
00:09:24,040 –> 00:09:26,400
具體貢獻通通整理出來
298
00:09:26,400 –> 00:09:29,280
這樣老板一看就懂你值這個價
299
00:09:29,280 –> 00:09:30,680
還有一點很重要
300
00:09:30,680 –> 00:09:32,400
挑對實機談
301
00:09:32,400 –> 00:09:34,640
不要在主管忙的交投爛額的時候
302
00:09:34,640 –> 00:09:35,800
沖過去講
303
00:09:35,800 –> 00:09:38,040
最好是剛完成一個案子
304
00:09:38,040 –> 00:09:38,960
技效不錯
305
00:09:38,960 –> 00:09:40,920
氣氛也不錯的時候開口
306
00:09:40,920 –> 00:09:42,880
成功几率會高很多
307
00:09:42,880 –> 00:09:43,800
除了加薪
308
00:09:43,800 –> 00:09:46,600
開賦業也是穩定加薪水的辦法
309
00:09:46,600 –> 00:09:47,840
像是自由接案
310
00:09:47,840 –> 00:09:49,000
幫人寫文案
311
00:09:49,000 –> 00:09:50,440
做設計翻譯
312
00:09:50,440 –> 00:09:51,200
賣二手
313
00:09:51,200 –> 00:09:52,240
跑外送
314
00:09:52,240 –> 00:09:54,080
只要能利用下班時間
315
00:09:54,080 –> 00:09:54,960
賺點外快
316
00:09:54,960 –> 00:09:56,440
就是好選擇
317
00:09:56,440 –> 00:09:57,440
再進一步
318
00:09:57,440 –> 00:09:59,600
要想讓收入有突破
319
00:09:59,600 –> 00:10:02,040
最根本的方法還是投資自己
320
00:10:02,040 –> 00:10:04,080
去學習一項高收入技能
321
00:10:04,080 –> 00:10:05,360
像是寫城市
322
00:10:05,360 –> 00:10:06,480
影片剪輯
323
00:10:06,480 –> 00:10:07,560
數位行銷
324
00:10:07,560 –> 00:10:10,120
這些都是現在市場上需求牆
325
00:10:10,120 –> 00:10:11,560
收入高的技能
326
00:10:11,560 –> 00:10:13,360
再不然學會銷售
327
00:10:13,360 –> 00:10:15,160
這是無論在哪個行業
328
00:10:15,160 –> 00:10:16,880
都吃得開的能力
329
00:10:16,880 –> 00:10:17,360
記住
330
00:10:17,360 –> 00:10:18,120
想翻身
331
00:10:18,120 –> 00:10:19,880
光省錢是不夠的
332
00:10:19,880 –> 00:10:22,280
你還得讓錢流進來的水龍頭
333
00:10:22,280 –> 00:10:23,320
越開越大
334
00:10:23,320 –> 00:10:26,200
這一周就是把你收入打開的一周
335
00:10:26,200 –> 00:10:28,960
第八周設定全年儲蓄目標
336
00:10:28,960 –> 00:10:29,680
到了這周
337
00:10:29,680 –> 00:10:31,960
我們要來做一件非常重要的是
338
00:10:31,960 –> 00:10:33,880
替你今年的財務行動
339
00:10:33,880 –> 00:10:36,480
設一個明確的儲蓄目標
340
00:10:36,480 –> 00:10:37,560
這個目標就像
341
00:10:37,560 –> 00:10:39,400
財務旅程上的燈塔
342
00:10:39,400 –> 00:10:40,720
讓你不會走偏
343
00:10:40,720 –> 00:10:42,000
也不會迷路
344
00:10:42,000 –> 00:10:43,360
第一步先搞清楚
345
00:10:43,360 –> 00:10:45,680
你的短期目標和長期目標
346
00:10:45,680 –> 00:10:46,840
像是買車
347
00:10:46,840 –> 00:10:47,480
旅游
348
00:10:47,480 –> 00:10:48,880
這些屬於短期
349
00:10:48,880 –> 00:10:49,560
買房
350
00:10:49,560 –> 00:10:50,240
結婚
351
00:10:50,240 –> 00:10:51,040
退休金
352
00:10:51,040 –> 00:10:52,600
這些就是長期
353
00:10:52,600 –> 00:10:53,760
每個目標都要
354
00:10:53,760 –> 00:10:55,640
明確金額跟期限
355
00:10:55,640 –> 00:10:58,120
不要只是想存多一點
356
00:10:58,120 –> 00:10:59,120
而是要知道
357
00:10:59,120 –> 00:11:00,520
你到底要存多少
358
00:11:00,520 –> 00:11:01,840
多久內存到
359
00:11:01,840 –> 00:11:03,040
接下來我們要算出
360
00:11:03,040 –> 00:11:04,560
每個月要存多少
361
00:11:04,560 –> 00:11:05,920
才追得上目標
362
00:11:05,920 –> 00:11:06,640
這就是你的
363
00:11:06,640 –> 00:11:08,040
越存款任務
364
00:11:08,040 –> 00:11:09,080
現在很多APP
365
00:11:09,080 –> 00:11:10,560
或線上理財工具
366
00:11:10,560 –> 00:11:12,400
都能幫你一鍵搞定
367
00:11:12,400 –> 00:11:13,720
輸入目標金額
368
00:11:13,720 –> 00:11:14,760
目標時間
369
00:11:14,760 –> 00:11:15,880
就能自動算出
370
00:11:15,880 –> 00:11:17,760
你每月要存多少
371
00:11:17,760 –> 00:11:18,960
這邊有個小技巧
372
00:11:18,960 –> 00:11:20,240
把目標寫下來
373
00:11:20,240 –> 00:11:22,520
而且寫得越具體越好
374
00:11:22,520 –> 00:11:23,200
像是
375
00:11:23,200 –> 00:11:25,120
我要在今年12月底前
376
00:11:25,120 –> 00:11:26,320
存到15萬
377
00:11:26,320 –> 00:11:28,440
當做買車的頭七款
378
00:11:28,440 –> 00:11:29,680
然后把這目標
379
00:11:29,680 –> 00:11:31,680
貼在你每天看得到的地方
380
00:11:31,680 –> 00:11:33,120
比如書桌牆上
381
00:11:33,120 –> 00:11:34,080
手機桌布
382
00:11:34,080 –> 00:11:35,480
天天提醒自己
383
00:11:35,480 –> 00:11:37,040
如果你願意更進一步
384
00:11:37,040 –> 00:11:39,320
把目標公開分享給身邊的人
385
00:11:39,320 –> 00:11:41,080
不管是朋友 家人
386
00:11:41,080 –> 00:11:42,800
甚至社群平台上
387
00:11:42,800 –> 00:11:45,240
都能提高你實現目標的成功率
388
00:11:45,240 –> 00:11:46,360
因為有人在看
389
00:11:46,360 –> 00:11:47,720
有人在支持
390
00:11:47,720 –> 00:11:49,000
你比較不容易
391
00:11:49,000 –> 00:11:50,360
伴途放棄
392
00:11:50,360 –> 00:11:51,240
這周的重點
393
00:11:51,240 –> 00:11:53,320
就是讓努力存錢這件事
394
00:11:53,320 –> 00:11:55,120
不再只是模糊的概念
395
00:11:55,120 –> 00:11:56,760
而是變成一個清楚
396
00:11:56,760 –> 00:11:57,600
有方向
397
00:11:57,600 –> 00:11:59,520
能追蹤的具體行動
398
00:11:59,520 –> 00:12:01,040
把財務旅程照亮
399
00:12:01,040 –> 00:12:03,600
我們才走得長走得遠
400
00:12:03,600 –> 00:12:04,240
第九周
401
00:12:04,240 –> 00:12:06,000
信用卡使用策略
402
00:12:06,000 –> 00:12:06,680
走到這周
403
00:12:06,680 –> 00:12:07,840
我們要來處理一把
404
00:12:07,840 –> 00:12:09,360
財務界的雙面刃
405
00:12:09,360 –> 00:12:10,280
信用卡
406
00:12:10,280 –> 00:12:10,880
用的好
407
00:12:10,880 –> 00:12:12,360
它是你累積回饋
408
00:12:12,360 –> 00:12:14,240
靈活資金的好工具
409
00:12:14,240 –> 00:12:14,880
用不好
410
00:12:14,880 –> 00:12:17,440
分分鐘把你推進債務深淵
411
00:12:17,440 –> 00:12:18,480
先來看好處
412
00:12:18,480 –> 00:12:19,760
信用卡超方便
413
00:12:19,760 –> 00:12:21,160
可以延后付款
414
00:12:21,160 –> 00:12:22,000
賺回饋
415
00:12:22,000 –> 00:12:22,880
拿優惠
416
00:12:22,880 –> 00:12:24,800
還有不少卡片有積分
417
00:12:24,800 –> 00:12:27,320
現金回饋或禮成兌換
418
00:12:27,320 –> 00:12:28,640
等於是消費同時
419
00:12:28,640 –> 00:12:29,880
又在賺點數
420
00:12:29,880 –> 00:12:31,520
有些人在緊急時刻
421
00:12:31,520 –> 00:12:34,120
也會靠信用卡先撐過一段時間
422
00:12:34,120 –> 00:12:35,200
但問題來了
423
00:12:35,200 –> 00:12:36,920
風險也很現實
424
00:12:36,920 –> 00:12:39,080
最常見的就是過度消費
425
00:12:39,080 –> 00:12:40,280
刷卡太容易
426
00:12:40,280 –> 00:12:41,240
一划就過
427
00:12:41,240 –> 00:12:42,200
不通不揚
428
00:12:42,200 –> 00:12:43,440
等到賬單來的時候
429
00:12:43,440 –> 00:12:45,560
才發現自己暴欲算
430
00:12:45,560 –> 00:12:47,440
而一旦無法全額絞清
431
00:12:47,440 –> 00:12:48,760
就會被高額利息
432
00:12:48,760 –> 00:12:49,640
跟致那金
433
00:12:49,640 –> 00:12:50,520
追着跑
434
00:12:50,520 –> 00:12:52,440
債務一下就滾大
435
00:12:52,440 –> 00:12:53,400
那該怎么辦
436
00:12:53,400 –> 00:12:55,640
這邊有兩種不同的使用策略
437
00:12:55,640 –> 00:12:56,400
重點在於
438
00:12:56,400 –> 00:12:58,360
你自控力夠不夠強
439
00:12:58,360 –> 00:12:59,680
如果你是那種該花
440
00:12:59,680 –> 00:13:01,880
才花絕不亂刷的類型
441
00:13:01,880 –> 00:13:03,360
那你就可以把信用卡
442
00:13:03,360 –> 00:13:04,680
當成理財工具
443
00:13:04,680 –> 00:13:06,440
好好利用各種回饋
444
00:13:06,440 –> 00:13:07,240
甚至設定
445
00:13:07,240 –> 00:13:09,160
每月固定刷卡項目
446
00:13:09,160 –> 00:13:11,040
向水電費交通費
447
00:13:11,040 –> 00:13:12,360
賺好賺滿
448
00:13:12,360 –> 00:13:13,320
但如果你常常
449
00:13:13,320 –> 00:13:14,720
一不小心就手划
450
00:13:14,720 –> 00:13:16,680
看到促銷就忍不住刷
451
00:13:16,680 –> 00:13:18,400
那真的要小心
452
00:13:18,400 –> 00:13:20,600
你可以選擇降低信用額度
453
00:13:20,600 –> 00:13:22,480
不給自己亂花的空間
454
00:13:22,480 –> 00:13:23,720
更很一點的做法
455
00:13:23,720 –> 00:13:25,240
就是干脆不刷卡
456
00:13:25,240 –> 00:13:27,560
回到現金或扣帳卡
457
00:13:27,560 –> 00:13:30,200
讓每一筆消費都更有使感
458
00:13:30,200 –> 00:13:32,360
幫助你更克制花錢
459
00:13:32,360 –> 00:13:33,880
信用卡不是不能用
460
00:13:33,880 –> 00:13:35,600
而是要看你怎么用
461
00:13:35,600 –> 00:13:36,840
這周就來幫自己
462
00:13:36,840 –> 00:13:39,640
擬定一套專屬的信用卡策略
463
00:13:39,640 –> 00:13:41,200
讓它成為你的幫手
464
00:13:41,200 –> 00:13:43,600
而不是讓它牽着你走
465
00:13:43,600 –> 00:13:44,400
第十周
466
00:13:44,400 –> 00:13:45,800
跟蹤淨資產
467
00:13:45,800 –> 00:13:47,680
這周我們要開始建立一個
468
00:13:47,680 –> 00:13:50,640
真正能衡量你財務實力的指標
469
00:13:50,640 –> 00:13:52,080
淨資產追蹤
470
00:13:52,080 –> 00:13:53,200
什么是淨資產
471
00:13:53,200 –> 00:13:55,160
簡單說就是你擁有的
472
00:13:55,160 –> 00:13:57,880
所有資產減掉你欠的所有債
473
00:13:57,880 –> 00:14:00,960
這個數字就是你目前的財務加底
474
00:14:00,960 –> 00:14:04,000
現金 股票 房產都算資產
475
00:14:04,000 –> 00:14:07,160
房貸 學貸 信用卡債都是負債
476
00:14:07,160 –> 00:14:09,600
兩者相減就是你的淨資產
477
00:14:09,600 –> 00:14:12,080
這個數字不只是看個開心而已
478
00:14:12,080 –> 00:14:14,920
它可以幫你真正看懂自己到底是
479
00:14:14,920 –> 00:14:16,520
穩定累積財富
480
00:14:16,520 –> 00:14:19,520
還是其實在原地打賺甚至倒退
481
00:14:19,520 –> 00:14:20,800
算一次還不夠
482
00:14:20,800 –> 00:14:22,880
關鍵在於定期追蹤
483
00:14:22,880 –> 00:14:25,200
建議你可以每個月獲美計
484
00:14:25,200 –> 00:14:27,760
固定做一次淨資產槃點
485
00:14:27,760 –> 00:14:29,480
像是財務體檢一樣
486
00:14:29,480 –> 00:14:31,440
觀察它是往上成長
487
00:14:31,440 –> 00:14:33,240
還是連續下滑
488
00:14:33,240 –> 00:14:36,200
只要出現波動就要馬上找原因
489
00:14:36,200 –> 00:14:38,320
比如如果淨資產一直掉
490
00:14:38,320 –> 00:14:40,320
可能是你投資縮水
491
00:14:40,320 –> 00:14:43,400
也可能是新借了錢或卡費便多
492
00:14:43,400 –> 00:14:46,280
針對不同狀況要釆取不同的策略
493
00:14:46,280 –> 00:14:48,120
像是調整投資組合
494
00:14:48,120 –> 00:14:49,480
降低風險部位
495
00:14:49,480 –> 00:14:52,400
或是加快傾債進度 控制支出
496
00:14:52,400 –> 00:14:55,160
讓整體財務回到健康軌道上
497
00:14:55,160 –> 00:14:57,200
這一周的任務就是開始養成
498
00:14:57,200 –> 00:14:59,400
追蹤自己淨資產的習慣
499
00:14:59,400 –> 00:15:02,120
讓你對自己的財務狀況不再模糊
500
00:15:02,120 –> 00:15:04,200
而是真正做到心中有數
501
00:15:04,200 –> 00:15:05,400
進退有據
502
00:15:05,400 –> 00:15:07,480
這一步就是財務自由路上的
503
00:15:07,480 –> 00:15:09,240
精准導航儀
504
00:15:09,240 –> 00:15:10,120
第十一周
505
00:15:10,120 –> 00:15:12,440
回顧與查漏補缺
506
00:15:12,440 –> 00:15:14,000
走到這里我們已經完成了
507
00:15:14,000 –> 00:15:15,960
十周的財務強化訓練
508
00:15:15,960 –> 00:15:18,760
該存的存了該投資的也啟動了
509
00:15:18,760 –> 00:15:20,920
但這時候最重要的事情就是
510
00:15:20,920 –> 00:15:22,040
回頭看一眼
511
00:15:22,040 –> 00:15:24,080
自己到底做的怎么樣
512
00:15:24,080 –> 00:15:27,040
這周的任務就是來一場財務總體檢
513
00:15:27,040 –> 00:15:29,640
從頭到尾回顧自己的支出狀況
514
00:15:29,640 –> 00:15:31,720
看看有沒有哪里還藏着漏洞
515
00:15:31,720 –> 00:15:32,880
沒補起來
516
00:15:32,880 –> 00:15:35,480
先打開你之前紀錄收支的表格
517
00:15:35,480 –> 00:15:36,600
按照必要支出
518
00:15:36,600 –> 00:15:37,680
可選支出
519
00:15:37,680 –> 00:15:38,640
債務支出
520
00:15:38,640 –> 00:15:39,720
這三大類
521
00:15:39,720 –> 00:15:41,720
重新檢查每一筆錢
522
00:15:41,720 –> 00:15:43,240
花的合不合理
523
00:15:43,240 –> 00:15:45,920
然后拿出第一周的數據來比對
524
00:15:45,920 –> 00:15:47,840
看你這几周下來的支出
525
00:15:47,840 –> 00:15:50,160
是不是有明顯改善
526
00:15:50,160 –> 00:15:52,040
還是又默默花回去了
527
00:15:52,040 –> 00:15:53,160
這一步的關鍵
528
00:15:53,160 –> 00:15:56,360
就是找出那些你原本沒注意到的小破洞
529
00:15:56,360 –> 00:15:58,520
可能是一個不常用的訂閱
530
00:15:58,520 –> 00:15:59,800
還在扣錢
531
00:15:59,800 –> 00:16:02,280
一筆原本說要省下來的花費
532
00:16:02,280 –> 00:16:03,560
又默默出現了
533
00:16:03,560 –> 00:16:04,600
這些小地方
534
00:16:04,600 –> 00:16:08,120
都可能是默默在偷你錢的財務小偷
535
00:16:08,120 –> 00:16:09,320
找到問題后
536
00:16:09,320 –> 00:16:11,000
就要立刻調整
537
00:16:11,000 –> 00:16:12,800
該取消的訂閱砍掉
538
00:16:12,800 –> 00:16:14,200
該限制的開支
539
00:16:14,200 –> 00:16:15,800
設個預算提行
540
00:16:15,800 –> 00:16:18,200
甚至直接在賬戶設限額
541
00:16:18,200 –> 00:16:20,080
這些微調看起來小
542
00:16:20,080 –> 00:16:23,360
實際上是幫你的財務系統補強地基
543
00:16:23,360 –> 00:16:25,200
這周不需要追求成長
544
00:16:25,200 –> 00:16:27,760
而是確保你沒再偷偷漏水
545
00:16:27,760 –> 00:16:29,160
讓你的財務計划
546
00:16:29,160 –> 00:16:31,040
不是只靠熱血開頭
547
00:16:31,040 –> 00:16:34,400
而是真的能長期穩穩執行下去
548
00:16:34,400 –> 00:16:36,640
穩就是這周的主軸
549
00:16:36,640 –> 00:16:38,880
第十二周規划未來目標
550
00:16:38,880 –> 00:16:40,440
終於來到第十二周了
551
00:16:40,440 –> 00:16:41,960
我們的財務逆襲計划
552
00:16:41,960 –> 00:16:43,800
也走到了最后一站
553
00:16:43,800 –> 00:16:45,160
但這不代表結束
554
00:16:45,160 –> 00:16:47,400
反而是一個全新的開始
555
00:16:47,400 –> 00:16:49,440
這周的任務就是站高一點
556
00:16:49,440 –> 00:16:50,520
看遠一點
557
00:16:50,520 –> 00:16:53,480
為未來畫出一張清楚的財務藍圖
558
00:16:53,480 –> 00:16:55,440
我們會從三個時間點
559
00:16:55,440 –> 00:16:56,640
來設定目標
560
00:16:56,640 –> 00:16:58,800
一年五年十年
561
00:16:58,800 –> 00:17:00,680
一年內的目標比較具體
562
00:17:00,680 –> 00:17:02,480
像是存一筆旅游基金
563
00:17:02,480 –> 00:17:04,840
買筆電 還清小額債務
564
00:17:04,840 –> 00:17:06,400
只要有計划的儲蓄
565
00:17:06,400 –> 00:17:08,080
其實都可以辦到
566
00:17:08,080 –> 00:17:10,000
五年目標就更進階了
567
00:17:10,000 –> 00:17:12,040
像是買房 籌備婚禮
568
00:17:12,040 –> 00:17:14,160
轉值進修 創業等等
569
00:17:14,160 –> 00:17:15,920
這些目標金額比較大
570
00:17:15,920 –> 00:17:18,800
需要你開始更積極的優化投資
571
00:17:18,800 –> 00:17:19,960
提升收入
572
00:17:19,960 –> 00:17:21,680
可能還得搭配復業
573
00:17:21,680 –> 00:17:24,720
或更明確的存錢策略才能實現
574
00:17:24,720 –> 00:17:25,760
十年目標
575
00:17:25,760 –> 00:17:28,560
就是那種改變人生軌道等級的夢想
576
00:17:28,560 –> 00:17:30,880
比如財務自由 提早退休
577
00:17:30,880 –> 00:17:32,600
一居海外生活
578
00:17:32,600 –> 00:17:33,840
聽起來很遠
579
00:17:33,840 –> 00:17:36,560
但當你把目標拆成具體的步驟
580
00:17:36,560 –> 00:17:37,640
按年去追
581
00:17:37,640 –> 00:17:39,320
就會發現它其實是
582
00:17:39,320 –> 00:17:40,920
可達成的大目標
583
00:17:40,920 –> 00:17:42,000
不是幻想
584
00:17:42,000 –> 00:17:44,240
記住 目標不是寫爽的
585
00:17:44,240 –> 00:17:46,560
是用來引導你每天行動的
586
00:17:46,560 –> 00:17:48,760
如果你不知道5年后要去哪
587
00:17:48,760 –> 00:17:51,600
那你每天的努力就很容易失焦
588
00:17:51,600 –> 00:17:54,640
所以這周請你好好靜下來問問自己
589
00:17:54,640 –> 00:17:56,400
我一年后想要什么
590
00:17:56,400 –> 00:17:57,680
5年后在哪里
591
00:17:57,680 –> 00:18:00,080
10年后希望過什么樣的生活
592
00:18:00,080 –> 00:18:01,240
然后寫下來
593
00:18:01,240 –> 00:18:04,480
把它變成你未來財務行動的方向槃
594
00:18:04,480 –> 00:18:07,240
這就是我們90天計划的最終步驟
595
00:18:07,240 –> 00:18:09,960
讓財務不只是當下的應對
596
00:18:09,960 –> 00:18:12,080
而是你人生藍圖的一部分
597
00:18:12,080 –> 00:18:13,200
從現在起
598
00:18:13,200 –> 00:18:15,200
你不只是在管理金錢
599
00:18:15,200 –> 00:18:17,040
而是在設計你的未來
600
00:18:17,040 –> 00:18:18,920
設定好長期目標之后
601
00:18:18,920 –> 00:18:19,920
接下來要做的
602
00:18:19,920 –> 00:18:22,520
就是把這些看起來很遠的夢想
603
00:18:22,520 –> 00:18:25,240
拆解成具體的短期行動計划
604
00:18:25,240 –> 00:18:27,760
一步一步走 才走得到
605
00:18:27,760 –> 00:18:28,640
舉個例子
606
00:18:28,640 –> 00:18:31,280
如果你設定的是5年內買房
607
00:18:31,280 –> 00:18:32,800
那我們就來拆解一下
608
00:18:32,800 –> 00:18:34,360
這個目標怎么落地
609
00:18:34,360 –> 00:18:35,120
第一步
610
00:18:35,120 –> 00:18:37,520
先根據房價首付比例
611
00:18:37,520 –> 00:18:40,280
計算出你要准備多少資備款
612
00:18:40,280 –> 00:18:42,400
假設目標是存到300萬
613
00:18:42,400 –> 00:18:44,120
那你可以再往回推
614
00:18:44,120 –> 00:18:46,560
平均每年每月要存多少
615
00:18:46,560 –> 00:18:48,760
目標就會變得很具體
616
00:18:48,760 –> 00:18:51,520
再來我們從三個方向來做努力
617
00:18:51,520 –> 00:18:52,520
在支出面
618
00:18:52,520 –> 00:18:53,800
進一步優化預算
619
00:18:53,800 –> 00:18:55,840
把不必要的開銷刪掉
620
00:18:55,840 –> 00:18:57,480
像是沒在看的訂閱
621
00:18:57,480 –> 00:18:59,680
偶爾買卻不常用的雜物
622
00:18:59,680 –> 00:19:00,760
能省就省
623
00:19:00,760 –> 00:19:01,760
在收入面
624
00:19:01,760 –> 00:19:03,720
思考怎么讓自己升級
625
00:19:03,720 –> 00:19:05,760
是去爭取升值加薪
626
00:19:05,760 –> 00:19:07,240
還是發展復業
627
00:19:07,240 –> 00:19:09,800
又或者投入一些時間去學一個
628
00:19:09,800 –> 00:19:12,080
能讓你未來更值錢的技能
629
00:19:12,080 –> 00:19:15,320
越早布局未來的收入潛力就越大
630
00:19:15,320 –> 00:19:16,240
在投資面
631
00:19:16,240 –> 00:19:17,640
每月存下來的錢
632
00:19:17,640 –> 00:19:19,640
別全都放活存
633
00:19:19,640 –> 00:19:21,120
可以一部分放進
634
00:19:21,120 –> 00:19:22,640
高收益儲蓄賬戶
635
00:19:22,640 –> 00:19:23,840
另一部分放進
636
00:19:23,840 –> 00:19:26,560
債券基金或穩健型ETF
637
00:19:26,560 –> 00:19:28,320
等資金越來越多時
638
00:19:28,320 –> 00:19:30,240
再慢慢接觸優質個股
639
00:19:30,240 –> 00:19:31,720
讓錢除了存起來
640
00:19:31,720 –> 00:19:33,120
還能幫你長大
641
00:19:33,120 –> 00:19:34,200
最重要的是
642
00:19:34,200 –> 00:19:36,400
每個月要做一次財務復槃
643
00:19:36,400 –> 00:19:37,720
這個月存了多少
644
00:19:37,720 –> 00:19:38,720
花在哪里
645
00:19:38,720 –> 00:19:39,920
有沒有超支
646
00:19:39,920 –> 00:19:41,360
投資技效怎么樣
647
00:19:41,360 –> 00:19:43,000
如果某個環節出問題
648
00:19:43,000 –> 00:19:44,240
就馬上調整
649
00:19:44,240 –> 00:19:47,120
比如這個月突然多了一筆意外支出
650
00:19:47,120 –> 00:19:49,840
下個月就從娛樂費里補回來
651
00:19:49,840 –> 00:19:51,280
或多跑几單復業
652
00:19:51,280 –> 00:19:52,800
把缺口補齊
653
00:19:52,800 –> 00:19:55,080
這種設定執行檢查
654
00:19:55,080 –> 00:19:56,400
修正的循環
655
00:19:56,400 –> 00:19:57,720
就是讓你能真正
656
00:19:57,720 –> 00:20:00,080
賣向財務目標的關鍵節奏
657
00:20:00,080 –> 00:20:02,360
最后我也很想聽聽你的故事
658
00:20:02,360 –> 00:20:03,920
歡迎在留言區分享你的
659
00:20:03,920 –> 00:20:05,920
理財心得目前的挑戰
660
00:20:05,920 –> 00:20:07,320
或你設定的目標
661
00:20:07,320 –> 00:20:09,080
好了今天的節目就到這邊
662
00:20:09,080 –> 00:20:10,800
喜歡這系列內容的話
663
00:20:10,800 –> 00:20:11,720
記得點個贊
664
00:20:11,720 –> 00:20:12,960
訂閱我們的頻道
665
00:20:12,960 –> 00:20:14,120
這里是堆金積玉
666
00:20:14,120 –> 00:20:15,280
我們下期再見