这么久以来,您是否也因不懂理财而每个月都成月光族?

那么赶紧看看以下步骤对您有否帮助!
首先,您必须先管理信用卡债。

滥用信用卡很多时候是长期财务危机的源头。如何管理你的信用卡,避免欠下巨额卡债,是摆脱债务烦恼的关键:

(a) 妥善管理卡债

持有不超过三张信用卡。第一张支付固定开支(如电话费、保险等)、第二张用于日常生活上的一次性开销(如逛街、用餐、买杂货等),第三张留作紧急用途。每个月还清所有信用卡余额,不是最低余额。你可选择要求银行每月从银行户口自动转账付清每月卡债。若无法还清所有卡债,就停止使用信用卡,直到有能力在一个月内还清所有卡债为止。需要的话,减少或取消不必要的每月固定开销。

(b) 做好开支预算

为自己定下一个信用卡消费顶限。其方程式是:每月收入— 每月固定开支—20%储蓄 =可支配开销如果你的信用卡消费额超过顶限,你不是在侵蚀储蓄,就是累积债务。紧守财政纪律,每月不花超过这一顶限,就能很好控制开销。一些大件商品,先考虑是否有偿还能力,才决定购买。

记住,信用卡只提供付款便利,最终还是必须还清债务。如果坚持要买,就必须拟订一套偿还计划,并严格遵守。

(c) 改变思维

活在当下,不等于“今朝有酒今朝醉”。这种思维通常是债台高筑的源头。如果购买最新款名贵汽车只为满足小小欲望,但却让你捉襟见肘,这是不理智的消费方式。

若想每个月开销真的很大,想赚取更多收入,那么就联系滚钱趣,我们可提供您更多的理财好方法。

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