2. 理財第一課──記帳……其實也可以不用啦!
No Plagiarism!U9A5DrgfdICVdOPkLYmJposted on PENANA
理財的書籍裡的第一課,往往會叫我們學會記帳。8964 copyright protection193PENANAqsB4i2mZUe 維尼
197Please respect copyright.PENANAu4WrDR3NHI
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就是將我們所有花出去的錢,通通記下來,小到買飲料的錢都要記,然後月底的時候,檢視每一筆的花費是否必要。8964 copyright protection193PENANABidhkMnyqN 維尼
通常這動作執行三個月以後就不用記了。8964 copyright protection193PENANAQrIvEJC7EP 維尼
197Please respect copyright.PENANAIgTiOITUpe
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(以下是我記賬用的App,免費的,可以用用看)8964 copyright protection193PENANAHypbqFhd0d 維尼
(也可自行下載,反正只要能記帳,隨便都可以)8964 copyright protection193PENANAg9lOFxotP3 維尼

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但是,問題來了。8964 copyright protection193PENANAe5qeQObjEk 維尼
197Please respect copyright.PENANAluJbnho4yz
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基本上,到月底的時候,帳會對不上!8964 copyright protection193PENANAhnlfhKy5SK 維尼
197Please respect copyright.PENANAGC64Z8wW55
8964 copyright protection193PENANAqshWsjeOY5 維尼
菜市場買菜的錢、去7-11買東西的錢、早餐的錢……很多都是零零碎碎的錢,當下來不及記,想著等等再記就絕對會忘記。8964 copyright protection193PENANAgpyFkAhMAx 維尼
197Please respect copyright.PENANA4pESSIWqt9
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所以我記帳,記不到一個月就放棄了。8964 copyright protection193PENANADjb4GL0PdY 維尼
197Please respect copyright.PENANAZ5j9QpbOwt
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後來我想了一個比較偷懶的方式。8964 copyright protection193PENANA0zjOjPXVLI 維尼
197Please respect copyright.PENANA63StpD5AWI
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直接在月底的時候打開信用卡的消費紀錄,跟我網路銀行的交易記錄,並檢視家裡有甚麼這個月買的新東西。8964 copyright protection193PENANAmA2R8XFkqn 維尼
197Please respect copyright.PENANAdXNxEZtnWm
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記帳本身的重點在於,知道自己的錢花到哪裡去!8964 copyright protection193PENANAElIOf5V9wT 維尼
197Please respect copyright.PENANACbuzXD5BcD
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是朋友聚餐多了嗎?飲料喝多了?點外賣的次數太多?還是會亂買一些漂亮小廢物?8964 copyright protection193PENANAbkvvhyOaWA 維尼
197Please respect copyright.PENANAjpgLW14yda
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只要抓出生活中無意識的行為,不知不覺流失的小錢就會回來。8964 copyright protection193PENANAqtt6iRIyTb 維尼
197Please respect copyright.PENANAzOUiYK5hfb
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那些無意識行為可以不用全部禁止,但是可以減少次數,或尋找替代方案,例如:朋友聚餐每週一次,改成雙週一次、飲料從每天喝,改成自己泡,或是每三天喝一次……8964 copyright protection193PENANAywxl4DROmf 維尼
197Please respect copyright.PENANA9YwlwB1cDG
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帳面看了三個月,就大概就知道自己的生活費落在哪,也知道錢錢消失的原因!8964 copyright protection193PENANA2p1y67oHxI 維尼
197Please respect copyright.PENANAoETQFnf4zO
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然後就會驚奇的發現,有些小錢不花,生活根本不會怎樣,但是錢變多了!8964 copyright protection193PENANAJG3jqBS9mL 維尼
197Please respect copyright.PENANAVczDFYRfMB
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所以各位,請先從了解自己的錢到底去了那裡開始吧~8964 copyright protection193PENANAEcOdekAjxr 維尼
197Please respect copyright.PENANAHG0MYcldvF
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(此為我的個人經驗,每個人狀況不同,也可使用不同的記賬法)8964 copyright protection193PENANA1vvtYOlnyX 維尼
197Please respect copyright.PENANAW42H336Bc7
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以下為不同記帳法的youtube,也可做參考:8964 copyright protection193PENANAQIu52RmNQu 維尼
197Please respect copyright.PENANAplafwOrEbO
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柴鼠兄弟──再也沒失敗的:滿月記帳法 (實作教學&檔案下載) | 理財起手式(下) | 夯翻鼠FQ10 投資理財8964 copyright protection193PENANAdxuvICywli 維尼
https://www.youtube.com/watch?v=juLfUYkCVDI&t=4s8964 copyright protection193PENANAtvqw3mBadf 維尼
197Please respect copyright.PENANAw4hsHv8tDb
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197Please respect copyright.PENANAMftwcZZZ4B
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Erin's Diary 艾琳的日常──【記帳攻略】透過記帳存到第一桶金❤️5年記帳攻略大公開!開始契機/記帳後的轉變|艾琳的日常8964 copyright protection193PENANA7ZFtjpQXAy 維尼
https://www.youtube.com/watch?v=vQoyiQD9JGw8964 copyright protection193PENANAARqck0Y28d 維尼
197Please respect copyright.PENANAnz1n0TBQYw
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