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    瞧這網 » 創業頻道 » 投資理財 » 正文

    改掉花錢毛病六招幫你強迫自己存錢

    創業資訊 - 創業指南 - 創業政策 - 投資理財 - 連鎖加盟 - 創業計劃書

    如果你僅僅是因為愛花錢而難于開始存錢的話,你一定要把此當作病來醫治。昨天,招商銀行的一位理財服務專家在向儲戶們進行理財培訓的時候說,過分的消費欲就是理財的大敵。 
      "大多數人的實際存款數要少于他們能夠存的數目。"這位理財專家稱:"對很多人來說,花錢是種愉悅的享受,存錢反倒是種痛苦的懲罰。但豈不知花錢的愉悅可能換來的 是未來的痛苦。"該理財專家介紹了幾種有效的強迫自己存錢的方法,可以幫助個人改掉愛花錢的小毛病。 
      第一,強迫自己存定期儲蓄。活期儲蓄尤其是存在借記卡內的錢很容易在意志不堅定的情況下被花掉,因而,不如把自己手中富余的現金存成定期,只留夠基本生活的現金就可以。 
      第二,定期從你的工資賬戶上取出10元、20元或是50元。總之不用太多,存入你新開立的存款賬戶中。2~3個月之后,增加每次從工資賬戶中取出的金額。 
      第三,每天從錢包里拿出5元或10元錢,放進一個信封。每月把信封里積攢的一定數目的錢存入你在銀行的存款賬戶中,記住積沙成塔的道理。假定你每天存10元,每月就是300元,一年就是3600元。 
      第四,核查信用卡的對賬單,看看你每月用信用卡支付了多少錢。如果有可能,減少你每月從信用卡中支取的金額,或者不到萬不得已不用你的信用卡。信用卡金額雖小,但也不是一種良性消費習慣。 
      第五,寫出你的目標。現在就開始關注你為什么存錢。存錢不是最終目的,存錢是為了實現你的目標,你是想換一所大點兒的房子?買一輛車?為了你的寶寶?還是打算讀書深造?或去投資?總之,把目標統統寫下來,然后貼在冰箱上、廚房門上、餐桌上等任何你會經常看到的地方,提醒你時常想起你的目標。要知道,你現在花掉的錢與你以后要花的錢有著本質的區別,后者常被稱作是儲蓄。這些寫在紙上的目標會增加你存錢的動力。 
      第六,盡早還清你欠銀行的錢,以減少利息的付出。一旦你養成了儲蓄的習慣并能一貫堅持,接下來就是該考慮如何獲得更高回報的時候了。選擇一種或幾種適合你的投資方式是很重要的。 

    找人 找錢 找項目 名人名言 勵志名言

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