精打細算

【達人貼士】儲錢,由了解自己洗錢開始

gini | March 14, 2018

從小,父母和學校都在教導我們,儲蓄的重要性。就是把花費後的餘額儲下來,累積財富。

長大後,我們卻發現,錢根本就不夠花,不用借貸簽卡度日已很不錯,「月光族」遍佈全城,更枉論有餘作儲蓄?把錢花光光後,卻不知道把錢花在那。談及儲蓄,掌握金錢流向才是最關鍵的一步。正如厨師要烹調佳餚,也要了解食材本身。你有否想過,每月工資都花在哪?不明瞭用錢的方向,勢難制定節流方案。

記錄、整合、統計開支,了解金錢流向,你甚至會發現,原來自己每個月花了很多無謂或冤枉錢。試算算看:一天三餐,早餐$30、午飯$40、晚飯 $60,每日膳食開支$130,一個月便 $3,900。車資,假設一天$30,每月便$900。光是膳食及交通的基本開支,每月$4,800。

再來,閒來嘴饞吃串魚蛋 $12、珍珠奶茶$30、Starbucks $40。經過便利店汽水、茶、果汁,隨手一碰便又$15,生活壓力大,簡單的自我犒賞如買包薯片$15。以上零零碎碎的花費,如每項目每週做一次,$122 乘四星期,不知不覺,每個月竟花掉$448。加上基本開支,簡單一算,每月支出 $5300。

當中仍未包括家用或住宿、保險、電話費、置裝費、娛樂費,如看電影、唱K、到酒吧小酌。這刻,你或許會祈求本月不要遇上家人生日、同事Farewell或好友結婚等。簡單的短途旅遊更是遙遠的夢。

既然記錄開支如此重要,為何許多人仍無法做到?

由你踏出家門一刻,消費便開始了;小則十圓八塊,多則一千幾百,要逐項記錄,所費需時,零碎的開支記錄下來更是煩人。即使你的儲蓄大計有多雄心壯志,隨着記錄的項目增加,這意志很快便被消磨掉。所以,記錄的方法亦不可忽略。

在科技都引領下,一些手機記帳 Apps 可把帳目簡單記下,每月下來統計各項目的具體開支。吃多了?玩多了?還是坐的士的次數增加引致額外消費?

原來零食的支出竟比想像高,除了減少購買,也許可到超市代替便利店,或等待特價時再囤積。按日期劃分記錄,你或許會發現週末是消費的高危日,屆時你便可以考慮一些平宜甚至免費的消閒活動。只有了解問題根源,才能對症下藥。

再進一步,有些Apps會自動替你紀錄消費,例如信用卡簽帳,這樣下來,開支記錄更一目了然。有成功而有效的記錄,才能打開儲蓄之門。

作者:Stone Ip 石先生
Founder of HisTrend.HK, Blogger
網上商店創辦人,知名科技博客
Stone IP 是網上商店 HisTrend.HK 的創辦人,知名科技博客及旅遊博客。HisTrend.HK 是一家香港的網上商店,銷售消費類科技產品,並同時引入多款具特色的科技產品。個人博客瀏覽量達到 1,100 萬,以科技與旅遊為主。

 

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