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領死薪水的人必看!讓死薪水活絡的小撇步

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一個信封袋,幫你牢牢守住錢:把零用錢裝在一起 錢不要放在皮包。 除非已經養成好的習慣,不然別在皮包裡放太多現金。

 

有一天,富人M在接受採訪時,臨時被記者要求打開皮夾,算一算,裡面不超過5千元的現金,令在場的人士十分驚訝,身價上億元的富豪,皮夾內的現金竟然比在場的記者還少!

富人M說:「有錢,是好習慣造成的,

我的第一個好習慣是記帳,

第二個好習慣就是,錢不要放皮包。」

如果錢不放在皮包,那麼,到底要放哪裡呢?答案是信封袋。我們假設你已經開始記帳,並且「確實地」知道自己一個月有多少的零用錢預算,當你拿到薪水時,第一個動作就是把零用錢的預算放到信封袋裡。每天,從信封袋中拿出一些錢花用,一旦袋子裡的錢沒了,就知道這個月的零用錢花光了,每天不管消費多少,一定要記帳,小到飲料錢,大到公關費、服裝費,都不能遺漏。

 

原則上,零用錢用完了就不能再從帳戶中拿錢,如果真的不得已超支,那麼就要從後面幾個月補回來。(比如這個月特別多人陞官離職,要唱KTV,不得不去,下個月的零用錢就少一點)剛開始在執行這個信封袋零用錢的習慣時,多半會覺得很不習慣,而且會很想把錢由帳戶中再提出來花,此時請 hold 住,給自己21天的習慣養成期,21天後,你就不會覺得這麼做很痛苦,同時恭喜你,又往致富路上前進一步。

 

一個小動作,立刻進帳:今天起,把活存搬到定存,「小M,你來幫我處理定存續存!」 新手小M坐在白色木桌上,拿著富人M遞來的平板電腦。 電腦畫面顯示密碼已輸入完成,小M看著畫面,突然不曉得該怎麼下手。 他雖然有定存,但從未在電腦上操作過,萬一弄錯了,怎麼辦?

「來,我教你,這是網路銀行,你只要在這邊按一個鍵,就可以讓定存續期。」富人M示範一筆定存後,讓小M繼續進行後面的幾筆。定存,是一種最基本讓錢轉動的工具,和活存比起來,利息不但較高,同樣對錢有主控權。

先請問,你的銀行有多少存款呢?2萬?3萬?5萬?20萬?這些存款,是放在活儲還是定存?一般人的觀念是:錢不多就不要放定存了。


懂得理財的有錢人,想法卻是

當錢還沒有地方去的時候,就做定存

 

「你看,像我這筆10萬元,選擇一個月期的定存,每月的利息就有69元。」富人M說。「69元?這麼少?」小M一聽,心都涼了,表情也顯露在臉上。「可別小看這些錢,你想想看,只要按幾個鍵,一年就有近900元,也雖然金額不大,可都是多出來的錢,而且,因為是一個月,控制權就在自己手上,看到更好的機會時,隨時可解約。」富人M 解釋著。

 

使用網路銀行,只要打開電腦,不到幾分鐘,錢就轉到銀行,到期就又回到帳戶,就讓錢流進來了,雖然69元聽起來很少,但是總比不會錢生錢的活儲要多;對於有錢人來說,定存則是一個錢的避風港,等到錢有更好獲利的地方時,就可以從定存中提出來。

「定存」有不同的存放期間,有一個月期,也有一年期,甚至超過一年期,如果以一年期定存來算,每10萬元,一年的利息就有1,350元(利率為1.35%)!如果錢多,可分成多筆存,自己續存或讓電腦自動轉存都可以。

 

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sSL5u5UzyQMmga0ZYu41S1tmUDLh849m71Rq/e7fslpsOf8AWH3+9xmqNJDluGKVRuYD1NJmnwczJ9aZJ0mh6SdSvYrf5mZskIgyTgZr6b8G227Qra3gjMapGD5ci4xn9exrwn4eg3GrwwwqM7hufH3Of1r6kg8Ei2soGtNQKPJHtP7hGBHX096zeMo4d2m9TaOCr4iN4LQfbBjbx5UrnOB9K5jxufs3h7WJnJCpaSHn124H867K08N31vbOEuop3Xopj2ZHXqDj9K4D4qzlvBetxMTFMsaxyIw+ZcsOT7YzyODXRTxlGunyM5qmDrYdrnWh89+BdMudc1RLeEN5SfNIw6AV9HaRJoOhqlpfahapcbP9VLcAN09M14D4avfsqC305jGhPzsDgsa7rTtJS8k85oxLKRgvtyT+NeLiYuctXZHsYdqC0V2anxRsmvtBkn0B1uyMNsicMWX1Ar52YOsjCVWVwfmDDBr3bVrc2MfIMYA4rybxRfR3t3GV+aVMhm7kdsnvWmEvFcu5nivefMZ0HataH7nXFZNv/DWrDwnQGuuRzxKLS7lAIJ+tUJ23VqTiBVBjZf8AGqkhUYxj8qv2lzP2dupnoOavQkLyVYj2qCR1K5BH0xVB2+Y8mrUiHGx0MpLW26M4K/Mueor1T4ReOfsd/Hb3MrAFhkbu/rXhBJPc1bsL+awuI5YHIZDkHPSuevS9qtNzswtf2MrPY+wviXYJL/Z3ie1kYx2cgeeM/NlTwSK4mTX9JsPF0er2NwqWepukhzjKOB84I7c4NN8H/EWy1/w5LpviILJDxuUt1x2PqK8/8WaZo13qMVv4ceR57iUJFDGcjcxwAPxNeXGF3Zn0EqyjHm3Ps7T9Pi+I+jw2ei3ccjxyLLNcFNy24xjP1xnFa9vpun+G0+zeGrRLu4XiTULr5tzd9o/wrX0Xwhb/AAj+H2j+FrFA15JAs2oSfxTSsPmz+P6AVJa6I89sJZ5szu22OEfz+lYVqzoNwp6y6v8AyOZSliPek7R6L/M4u/bxQ7M8OvywAj/VxQqqD8K8y8Z4nidfHXh7SvFlieJJRaiC7iHqsqYYGvpnT/BsEkJmurkO5yNq4wv1rjfHPgd9RQxeHbC8nJXBmaIhCfx7VjHGYmnZyd7kPC0J6RPh34gfB+Cy0k+KfhxdT634bMgS5t3XN3pjnosoH3kJ4DgDnggd/LhpN+ellcf9+zX0zY3t98IPG/nzRrcWE7mDULZuYrmFuHVh0PGa958TfCn4f3shNhBe+H0uI1mtbm1k86BkdQyko+T0I6Gvdp4iVWHNBXPMnh4Up8s3Y/PEaHqjdLC5/wC/Zp3/AAj+rZ/5B9zn/cNfV3i/4a6t4SCXE5TVNJk4j1G0+aFj6N3RvY/hXHLZEF2UHIUd+SK5pY6UXZx1OqOAhJXUrngq+HNXI50+44PdKQ+HdTA5spF+uB/Wvc4ogrgMMAHHLHj61Q1e2h8lgMgL6HpQsdJu1hvAQS3PFJdJvIf9bCV+rCoI0aKVSwxjmup1hBG7BCTj8q5qfgg16MJ8y1PMq01B2R6X8JmSLULdpBknLn86+0tIsWnsLUEY2pubjua+Evh7eMmpWqA42TAE+qk5r770G7S38OvfMQY4bcyHPoFrw8bH94z6XAtOkrGPZ6pBNfT2qFQ0MmxsHvXn3x/8Os3gnUdTtEJdIQrlRyU3A4PsOtYXh3xD9mvLma9uovPu52mkbdwpY52g+2cV7ZHpy+I9Dnsr3EtteQMh9GBGDXLTbozUl0OqvTVWEoM+C/A1ldatqi21vnYvLt2UV9NeH9Is9LtENxjaF+ZmfA/OvGYdNm8C+ItR8PqDFJazlXkxhpB1VvyIrsVhGpW/l3Za5RuqOcqfwr1MQnVd72R4FG1NWa1L3xL0qW60O7bSV3zou5UU5LfT8K+ZSW3t5md+ec9c17xq6NaL+6kkjCjAAY8V5N4ouorm4AAUzK3Lgc49/WtMJeCcdzLFWlaRmW3GK1oThOKyIO1asLEJwcV2SOaBkq2MdG5okkXqMY9qbGGVNw24zzUcg79R3p9QvoQyyAA471UNTzK3PHHrUBHqK0RjIM0o/CkpaZJbtbyWAFYnKg16l+z5bw6p8ZfBtteAPE+pRlg3IOMsP1FeTR4ALA/pXW/D/wATf8Ih4z0HXFH/ACD76KY47qGG79M1DSubKT2ufpt8QLppvGl0r8CJsAemBWX4XvJ5LzUmPzsm5Yh71q/EOKO71W012xYTWOqW0dxDKpyGBHT+Vc5p13No9xNc29u0wlweCPl9a+RqXjWfN0bPoYe9SXL2R3+iX9vpsMcE8U7dWeVY8jcev/66vy+Ip7e2ngkWO+tnyFdZtjAehB5rm7fx21yi+Vp8wkUYPzhR+VWodXF9vdrJRMR/rJGyqe5rT2nLpCX4Gfs76zifLvxv0eKczXSW4gMhLBOoA6CvevBOkHWvhL4OuLhfMl/s4RFiOoVmA/SvIPi4T4h1VNM0gNPJK6wR7f42Jwf1NfW/hPw5baJ4L0fR49sg0+0SAsOfmA+bP45r0sqTtLscmZtWj3PALwXHhmeeKSJbrTbgGO6tJhujlQ9QR/XtXknxC8GWvhye21LQmd/D+oKfs2/5mgkH3ombrkdvUYPY19ReOvDokDkxgBq8bk0g6/o2u+FZyS80bXFjzgpcRgsuP94ZU/Wu/E0VUj5o48JXdKVujPni6niRi2zDEAjBz9awNZ1RmXEaECta+EsUcnJPlE4XByRjv/jXH6lOHEhILHO5TtPT3ryqULs9ypKyOU1SfzJG4xWHMeRWndvvkPGCOvvWbN6npXtwVkeBVd2dL4IAW+idjgmWvtrSpZ9S+GWt2ELEXL6bMsZ/2vLOOa+KPB5S6vbZIwFkBClcdeeDX3T4K0+bRvCs0tx5c0b2sgBjBGG2EgEH1ry8VFuomfQYGyo2R8qfCjTf7ZvLU6jMJJ94ZQ4LAfh2+tfZulxnTLKFbn5WjTkjoa8n+CPg+00/RLa5WLLv8zsw5Jzzn6dK3fi58VtJ8D2YWdvNupFxBbRn55MfyHua5Z3qT91HW2qUE5vY8y/aF0CSbxfoOt2BQSX8RhljA5Gw5Vz9QcfgKt+H9FWC2TzgzsRyRXla/Em+8Wa8LvUHUuBthTkrCvoM9T6mvUdLuJrm3UtdTdOiEL/KuxwmoKMuh4c6kJVJTj1MP4gaXL/Zty9lGxmWMlR1JNfNjM5kbzs78/NnrmvpnxTdywwny7m4Bx/FITXhXiu6t5pmBRDc7sl1ABP1x1rowzcbxOfELmSkYsBzg1rQH5ORmsiHoK04sFa65HNF2MhTt57EUmcZU/nV+S3GSF6HoBzTHiAi5PIPTHWpuinFoz5GCrgkc1AzKQQeKvvGrZDAflVdowp6dOwrRMzaKmAM0ZFWdoP3gc1CyAHuc9qq5FhucHg1LE4Uc0iov8WPzppAAOevakM+4v2W/jcuueDJfAnjJ0VbA40rUJ8lIgekch7L2zXu0tktpctbXA8mTGVwflcHup6MPpXwZ+zrMJPEN7YnB+0Qng96+sNC1PXdCgFtp18Ws16Wt1GJ4h9A3K/ga4K+EVZ8y0Z10cS6Ks9jt54reIk3JZdvQqOtY+s6xdy2rWmlRyKHGM4+ZvoBT7fVtS1qRI57DT0kc437pFX8s16Fp/w9vIp9usXsMMfB8qxi2hx/vnkiuCOWVZP3nZeR2yzCklors434UfDd31xdV1JS10nKqeVth3Y/7Z7DtXst3Aug65aTWfy2l+/kzp234yj/AF4wfWtDS7e20m2S3solhhT+Ed/c+ppuuMt/dabBHyY5BPIf7oUHH5n+Ve7RowoQUIHi1asq0+aRkeLLbz7eTJPIzXz8+bLxtp8ijrOgPv8AMP8AGvofxDIPsr57CvCpLYXfjWxHRY5RI59FX5ifyFVIUD5V8ZWc9t4n163DAW8GoTKgDE4USNhRxxXn2sS7EeYMm6TIYAdK9P8AFNwusalqd5BIixyXk023Jy29yR+ledapZ27WzswIlY4HUj614NOS5j6ecG4aHn05LyMTwepquYS3GDzW0+nMrFidwB5py2Slsg8/T8q9X2iSPIdGTZnaPJc6XqUNxanDoQeele6SftDa1F4cXRoLRUEhHmSh8k49PSvPNP0DzYvOlUK8f3eMg1oaZpyWV3BcXoiWCRtsm/BC88cflXJUnCpd9j0aKqYdKKejPc/AHxMhk8OTO7xpJFuZ4xwxdvb614d8btQl1W+027uTukbzVzjoMggfrXodlHbgOkexmABkKRjkc4INea/FtVNtpjIsgCzSqS6kAnCniuTCT5q60sbY/wD3d66nAaLJMt/EtuCzs3AFfVHguxl/s+JrlfmKjPFfN/gy7t9P1BJHhW4mJ4LHAWvo/Q9c1CW3V7ee0t0wAFWEtj3yTXp17t6Hi0rKOpS+IGlzS2crwKQ23KjZXy5cFzcSGfcJAxD7vWvqnxL4hv47dhLdwSY7G3Az+teE+I9Om1qWee00qWa5OCZLaNtmf9rtWdCXK2mXWXNFNHJwHKg1pxEBBlc12fhf4O6nqYibWbyDSIW5bIMkgHrgcfrXXz+HfA3h+CGwubWbVLqMsZbs3DRmTJGBtU4AA/ma2lWprqZ06M30PFz5agBWaInuxyKRv3eN5+g7MPalnhMTZnkRAB2OTn0qskgfCgbUzwM5P1qkNqzsSg5DYO4H2/xqB1UH/wCtUnA+6MKe+KapYtwWOB1PaquS0VmX0J5qAof75P4VoSruIJZT9DVcog4BX8DVJmbiVxFmo2Qr6496tgDg9qPL3/LnrVXJsdD8MfFI8HeNdK1OQ4t1mVZs9NhPJ/DrX6SWelWmqWtvqGnbXt7hQ6leRg81+WUsYRsE5r6r/Zi/aKt/Cxg8KeO7gJpZO2zvZDxDk/cc/wB30Pari0ZSTPrq18NlAGUYYHI4rvdK1V4bVLa/i85EGEJOGUex9KdpX2XUbWO4sJY7i3lUMjowYEHuCOtaktgm3lRnFaMyRAbyJh+5DL9e1NjdYwxXljyWPU0j2yRDsKz728S3Q4YVDZaVzM8TagBbsAeAOfevDPHGqy+HvDOqalbgHUdSRrSzUnBCH/WSfl8o+tdf8RPHmj+FbJrrxDdBQQfJtUYedcn0Udh6mvmXXPiTN4puJtZ1ciKz/wBXbW0Y4Cj7saf1Pc5rzsXX5I2W7PUwWGdWadtEYttFcXVvIbe28+UtysZJx7nGay77TPOVkRMuOMPhee/3iKjlm8S+KdTh03TLldItCu4xW8mPLTuSoP6nmst/DcPh/WnVy+puh3B7g5DfUV51LDzkua9j2atenTlyvVlj/hB9ReLzZLFhA2RuUbhn6jiqUXhoWxdZkU7R1A54rvtL+I4s4zbz2flYBCmHble2QpGK4DU/GF7Yaq/9pxw6nYTNuWcL5MqZ7H+HP1H41rKlWjtqc8K1KTtsdDY6agUDBk3gDpx0rC8SpJDKsPkBjvGBvGOOBkV1kKpNYQ31rK5tpAME8Mp9CB3/AEPas++t1YG4ZTM6qf4M5/8Ar1hRnyyubVYc8bDtAvpk8pL2FYGMQj3I2V4PAPp3rF+N5V9H0kqc7Lhh+aD/AAottRYXACHy8nnd0/8A11kfE+5+06DaFm3utyMnOcja1dFGDjXTObENOg9TzKxleO5TZnJPavpjwJC0mmI06hTtAwxzXzt4fntLK6W5vFaZlPyxqP1ya9e0DxZfaumy1tvstnGpEjk5ZvZewNduJm1sjzsNTU9GzsPEttb3SwmHa8ZbEnUbPqPr2pqXEVnZqt5IQsRIEK4CEDoQB+PNc8+pW+lwyFScuxbaWySaw5tQutZlJb92p6ZJAAryrynq9j1lCMFY2tX8WSXQaC1zGpP8NYMtiXKtdF/MYbsZHep1hW1GIB50vcleR+fQVDJJAwUXV4ynkqsWAo/xpq/QTstzh9Y0vfmdQcA4kGe471lR2jPnBVPctXVq4kjbzCrEHZJ8uMY/n6ZrEu0FvO8RwhVj0A59K9i7WhOYYaMJqrHaRSjs+SJJVUeoJOalltPKHXzUxyVNO85QuHIxkZ45qOS4VGHkuwOOcHNGrZ5lopFby+eFOPWkMAXlRV1G3EAv+YAxU+1SvBUKB2C0c1hclzOS36M386sRWMsmSi5HpxViJIQCWuBj0rY0HSLnxBefZdLCSFcGRyeEB9utLmb2K5IrcwzotzdusUcDtI5wigAkn2p2teDNX8OtENVs3g85N8bcFWHfBHFfS/gzwLp/hkLcXEf2i6VctuOWBP6KK6bxB4eh8daVNpdxGEniPm2hx0YdV+hHFaJyjG5i+SUrI+ePht8e/HvwpKReH9UM+nqebG7XzYf+A55X8DX0toP/AAUCt2t0TxZ4RnjmxhnsbhWB/BsEfnXzhq2laTYyzW0NptnjJWTzlOVYcGuXbTLTczSDAB9OtZxxKl0NZYRrqfZF9+3h4QkjJtfDmuSyY4VhEoz9d1ea+Kv2w/EuvxyR+FdGt9EiYf6+cmeUe44Cg/nXz60NnboNyeYwOQM4H4mqz3UbjYzBUB+6Puim6nNsiVRUXqztba/1LxhqFzrPiS6ku3i2r5srks7t0Uegxkn2FehfCr4f3/xP8a2YMPl+G9PkzdysSq7R/wAs0x1dj+QrE+Gvhn/hJbaxsoDHHCWa4uHznG7KrgdzhWx25r6w8KX9h4M04WEEAjtYE+Ur1J7k+pPrXLRpurUc5LRHpV6yw9FQg/eZmeJfhNp+koRoMawR45Cr2+teKeI/B72t4ynBbGd1ev8AjT9oDwnpSSWVxfiO6HMoRDI6jsAB3+uK8P1v47+FLpmEFnqkoAwJDGi/pur0ZRjsjx4yle7OO17SnsLiISnajMAGpbvw0+qWYhkKLGwwZW6D3NZfijx1ZeIlgFgzrsOSsi4YGrOmeMyun/Z5oElYHO49RxisGjpUu5h6B4wuvC1/PpurRm501WEUzx88Ho4/IH3rubq4CQiSKRGVl3Rsp4dT0NcHqUsVzcTXLx5SWAwvGAMEdQfqDg5qpouv3CaR/Z06sZrQnZk87Cen0zz+NefVoa80V6no0691yyfodHcXfmsDLsZF+6B+ua5Xxk0R0khOvnKQM9Ov+NFxfzn/AJZH/vof41g6zdzTWjI6ALkHO8E9a3o02ppnPXqRcGiholl9v1COJpBFF1kc/wAK9/xr02TWbXTLSO10lAWHGcdB/jXl+lxxCXfczCOMdVyctXR29g+o3Qn07NvZgAPJJwuR6eta14c8tXojDDT5I6LVmsL2W7u8TtuOMnmt2IraRBrklM9AG+Zh9KowzWumqfscfmXBGDNJ8xz6gdhVGa5edzJI5Y/3j3ricOZ+R289l5mhc6szBkhAijbqF7/WsuSUM2Xw3pmomk65IqIuf7oJ755raMUjFybLkf7y6fYhYTKGKqPlDD2PuP1rH16PZJHMQGDgoWA/iX/6x/StN5RvXb8xjZsHO0AfewD36VB4hj87S5APneIrIMH7ozg/XqK7Vue5jYKphpd1r/X4nLBwW68fWkLrkkCqwG0fMMntSM21vw6VrY+PuW/PQDaeuKSLdO2xEMjZ6DmqJJBzV7SNVbS7tZ1USAcPGejinyi5joND03SfMP8Ab00sSkYxHwE989/pV3R9Q/4QPxZBeaVdC6tH48xcDzIj1BHY9Pxqjq3i6x1KM7tJdJMcESgAfpWZodr/AGzNJBBEZbljmOMHnHqPpTV+pLt0PsDQriK7hjntnEkMwyrrzkHoa1XuDYTxyBssrEhs9v8AOK+UdL+KOvaJpkel6e4tjbyHzJnTc6LnAUA5AxXovhD4wLf21rY+Jmkmup5XUXQRQqAn5AQP549KTQ07nT/Gfwskiw+J9KjzHOQt8FGdj9n+h7+9eFXEr5bmLAPYEYr6us9UsP7MvbDxK8UemvEY7hpGCqFI689xXyJ4l0+Cy1e+ttMvDd2ccpEU3I3r2OD7VzOnrc61P3bFee4dxnKk547VmTvLIwjGMsQOlI2UGCSfxqtJLjoTkHsa2StsYyd3qfUn7PWowWc2oaXdwGO7+yo0cxPAMbMrp9cHP51r/GP4ljwtatpumM0upXK/KzrxCn9/39q8u8K+KX0/XtFvrCMPbXcqXUwB6fuyk6fUnJrh/iR4ik8ReMdUuwSIDLsgGfuxrwv6c/jWdCd4W6o6cVTUanMtmYjXDXEs01w5kkYlmdjyxPc1JGiyxPJwAMADuayjMYyARuB6iri3DEMiApGCCAev51tY5uZF7yLW4iCLIIZh0J6GtfTdstoS5AuIW2yAdx2NcyZlXrViwu3jmYxqcMvzAegNKS0BS1O0Ft50PHOaxdUg+xv5iqcFApbHQ5/wNaNnqoCjKgVha5rr3crwxDEIHJ/vEGue12dSly6mXdXB555qhIWn/dpyzHjmmzSMWNQpIVlUkY5FdCVkcjldnQaVpdrbOHvcXMo58sfcH19a3pbt5VVScIvCqBgCudtpcc55rRWbgc/U1yzTbuztg4xVol0yk53UxZQcjPPsf61UaUDIPFQtL83yg5z1qeW43KxcdsDjlc/QU1JuDtz+HFV/NLHk8j8aTdt64yfenyk82ppxlXPzDzFYqSW+VFJGKJ1Elgy5BzC3yBs9BnP/ANanoUEqnG9cRgtJ8qg59BUUu0WoKsDmJiQpOOh6+9bH1MrOEk+zOPOOoB+lQSfeJ4+manY7fvYH51E6g8k4+lbI+IZBu6jtTSKeR1xTMnqKtGbLkZ8y3EbcuTgY64ro7WS38N6dHdWt0bfVsnDryWU/w49PeuRWRlYMDyKnuLv7VKrSD5RgAewoC4+TzluJHMh3y53lud2ev1rd8GazbeH/ABDb3moxNqENsGkhiQgKZcfLnPT/AOsKzri8u9anEVvb7mA+VI0yQPXP+RWj4B/stPFFmniKBbi0L42O+E3dt3qPahiW52dtp/ir4sai1zMGs9JWTBcgiGIZ6Acb2/zxXq+ufBrQLv4eyDw6sj65p6mQ3MjZkuAByhHQewFHw5vntta8T+GSQbO0k+0Wik/6tHOcAenIP4108GrtoWrMhJaJ1y2T7n/61YVJWOinHW58eXSbGZWByPUYrOlGD2FetfG3wpDouuLrGlqP7O1TMmFHEcn8S/j1ryeRgze1XB3RM1qdt4CvRhIJ5FEcM4dSeqFhg/8AAT0+uPWuc8QB4dYuFddqLIyqc5yAao2d/Jp12k9tjK8FWGQw7gj0rs2srPxbaLLprZuMfvrYt++jP95f749e/SuVr2NVzezPSjL6zQVNfFH8TjfNXPPJqUybgWJwD2om0PUILmWEW0sjRHnYhPHriontLqPAkglXtgoa7FZ7Hlu6dmNaT8q67wlpJuLC8vpR8h/cxj1PUn+VReHvBTX0iT+ILiPSbHhv3zhHkHsD29629f1W1kmj0rww4/s2EYeaP5eO+Cf51E5JI1pwlJnL31wY3a2tTuboxB4WsueQFwicogwD6+pq/qV5axx/ZdMi2IMeZJuJMh9c1kE89OPaoir6mlRqPuoQqC2aglOCMdqmLGqrnJrZHLI1IZTtBq+lwSPese2fKY9KuIazlE2jJl4sSBzShiRUSsAOTTvMGOves7GlyXqwqXPbP64qr54JC4pwLAnGRmiwXN55UWUsVDFm++5POBzwPfNVb6RVsi4OdsGG4IHOP15pQylH3KisR7l8seo+lVNdlAhI5O8quSMdOTx+VV1Pp69Tlozl5fmc5LlgOhz68U0I2Mbh+NS/LwSKa2G5BrW58fYhMLDpzUbALx3qaTd2PHfmoTyPf1qyGiE5z7U+3CGVPMJCZ+bB5x7U3HPPAqd4FWJHVsux4AOaZJ6zYaz4dsPC11Hp80FsJYmHkhsTSNj+Nup+gwK84t9JupE86Jdrn5ox3qz4a0y3vL8x3rAFU3KucDd2zXctPbWC3F5PtjSFCRgAkt2UfWobszVK6uaPwZ1y5uvGdxc3EmZTYiNw2MvjaPXnpXt+r28N08UuAN2UPsCP8cV8n2z6r4fvrPXCGtpLhzLGQMd8kEehB6ehr6D0/X21/RE1PT3KxmMkAHJV+jA/TkfrWVVaXZrSu3Yp+K9PbV7KbQ9RCeVIoNsV/hb+E5r5w1LTJ9Iv7ixv0Mc8D7WH9a9+g1tVlkutVfbDb873PAPtmvI/iH4otPE+rRXFlAIzChjabvMM8ZHtWWHvZnRi4pNdzkXChsLxTre6msphLbPtcd6iYk0hNddk1ZnApOLvHc6ZvFqX0SprFobh1+7Mkm11/GreleKLbTJxNaXWoQkdBvU/z/wrjBQRWPsIrRaHV9bqN3kk36HVax4i03UryS7ntJ726c5Mk8xwT7gYGPasW41Se5G0Yhi7RxjAFUAKcKtU4x8zOVec/L0LCkAU1pAGxmmh+emeKbgFuBzVWM7iu/HHWosZ+tSOoxkVH3poiRLA+w89DVxHwPWqAGMYpysV5FDVxqVjS8wHqcCnqQeetZwnz1FTJLnvWbiXzGqrAAEd+1OdhJhs47VnLMyilMxOOo/Gp5TTmR0SnccqNoAyGjH5A59v51iaszPOI1Iwg/U81s3Ev2eFxKm1h87ruOCewA/Subk3MzOSCzcn6miO9z18fUtBU+5EEO6iXAXgYFPQYHzHtTJRlcc1p1PD6EDHge9RkjNOYHHFMIIHNWZtgcHrTsKFG0n86ZjNLt4piJILiSCYSo5Vwc7h1r1XwLoVtq8sFxrTNexg7o0J+QH1IHWvJuld78PPEsenvNZ30qxxBTJE7HABHUfjUS20NIWvZnq3jPw7Dq1m28DY2I5CB/qz/C1eR+HPGN94GuNQ0+WMTxsSCm7hZB/EPY1peKPiTPfA2+jyPFHgq7/3xXBKNzb3JZieSaiK0sy5NXvE0da8Qah4guGlvpCEJyIl4VfwrIK9s1ZY4JwOKiwM5xjNUtNiXq9SvigjHWpjz61Gy+/NVciw0D2oxinqdpprEk9sU7hYTjPFKMZpOhpcjoBz9aAH44JzSdeD1pm7Bpxk9sGpKuNJI4OaSlLZHTBppNUiWOHSloHSimSBFCnFFFAEomNKLgjtUNLSsh3Ztanclm8mM5UYLY9cdPwrNbAOSKl3ZGef604tnGBWa0OqrUdabkyIN+NNYFzjt9amA5p7rgA4ouZWKZiIB71GYmJGBmrlJjNVcmxV8lh25pSmAM9atH6VLbWs17PHBaRNPM5wiIuSTRcLGayU+KHzGAxnPbrXpmleALKzAk1+Rrq56/ZIGwq+zv8A0H511lqGsYwmk2Vtp6dvKiG78WPJ/OpcxqB4uumTgbjbyhfXyzTGhCthsgn8xXuDajqiHJupv++qp3c8N+pTWLK2vV/vSRgOPowwRWfOzTlR4xIm3gHmoypx616DrPgeK4ja48NSO7AZazlOZMf7DfxfTr9a8/mDxttI2sDgg9Qa0TuQ1YhYkcA1HIDnnFOYHq3Wm5OashjcmkNKc5o+tMkT3oozS5BHSgYgPtxQfpTgVxyOtO2jbk8H0pXHYioNLTTVEj16U6mr0pc0CCikooAWlNJS59KALIYZAyTTi+0ZJqBckk45pS2ByMms7Glybd+WKcZCRgDAqsJDjHSnB8Lz19aLDuSZPQUKx9hUYf0pJCe3IoEWYVeeaOCBC80jBUUcliegr2Pw54YXQLTy4gG1CVf9In67f9hfQfzrmPhR4fN3c3GsTruFufLt8j+Mjk/gP516/st7CFpbkgADOe5qWWjOs9IUYzGSx71ZkhtIP+Pu5ghPbfIBXmXiv4i3Uzva6MxgiBwZB1P0rgZmvLt2kuJ5HPUktmpKSZ9GJZ2t4P8ARLiCc/8ATOQMaydQ0VkDMFPHWvBkuLuzcPBPJGwPBViCK9D8I/E+fdHYeJWNxbudouP+WifU9xSaHc0Z99rJkEjbyCO1c94u0xNVtn1O1QLeQjNyqj/Wr/fx/eHf16122tW6El4iDG3Kkcgg1zCzm2n6bh3B6EdxUrQdr6HmBfAwcg00jOSfSr2uWQ07Up4EGYwd0Z/2TyKzd5xXQjB6CHmmnA96XJx0pAaYgyB2oXHORQPmNOEZ55oAYTTicjApMYNB470AJSGl70maoljl6UtNHFLmgQtFJRmgBaWkFFAFsPnHHP0pXIXr/KoPNIxtJoJZh14NRY0uPG05IP6Um7B4OaYRtPB5pU69qAFOTnJqOQkHFT7Rye1VWPJpoTPpL4f2MemeEtMV8Bnj81vcsc1hePtZeWMQW5KCTIXnoo6n8a0rC7I0WzAbCi3QKPwrlvGSsl8B2jRVAP0zXHUqWO2lSUpHER2ReRV2lyRxxXVWPhgx2/mXQwXHANVNLcwSBljDTP8AdZuij1rooBczMA9yH/SuOdSTO5RUTlNT8PFMmE8Vzd1YSW3zEEV6rOkP2diDvYHDEd65PWIFMUiEcqa0pVZJ2ZhUhGSujZ8Jas2oaO1pO26S35Qn+6aqX/ySH2rI8HSmG8lXPyspFbOpjdkiuvqcbOT8WDe1nKozujKMfoeP51ze0kGuj8RS7be1Bz95v6VgbwTyf0raOxjLcjAyMbsUnQdakKAnINIye9XcmxGvHSpFfA5PPtSbFAznNIMbuBn1pDBuef5U08dqfv8AmOAKYx3GmhMTtRijoKTOeKokKWkJooEOpKKKAFpabS0APLdcDrQCR0pOtOCllyOtJlDSxY80Z9KMGkIwefxpAKzHFR5p5AIphwKoR6hpniBptHs8tgRoqnnriul8aWJmihvYjmOeNWB7dBXj2lXhRGgJ46ivZvA+rQ+ItEbRrwb7u2H7pf4pE9vevNxFNxjddD0cPVXNZ9ThLK4kik2xoHc4Az2ro7i4S1s/KQ7p2xvcdiak1XQZdPnJELKgPBxziqE8qyKkaxFNv6n1rkU1LY7pRdxfOMUbKT1bIrLv5PMSQt1fip3JjYhjub+HApIbSS4JZxz79AKqOjJa0IfD9uYpHkIwDwK0r7DAnP0rV8OtZfZ5o8LIsnyAnrgdwfrWZryLpZd5m/cqu4N/eH+NdkW27HBLucJ4llzdRRDny05+prF78U+5uGup5JpD8ztmowOvNdiVkcbd2LyTx1pWLdDSc9qBjHJ5zTAP59qXBHWkZB2b86cUGAQc/jQMYTg9KTPNPIzzkUyhCYGmmlJOKSqIAnilFMNOFADqKWjFACUtJRQA89B+tSbnVRwCKTlMcZHrTd28+lSWIfcU0kDpT2iYf/rphBpoTG7vSk3Gg02mSPRyjBlOCK29O1ee0niurGVobmI5VlPINYVCsVOVJBpNXGnY950f4radqVslv4ltvs90BtNxGMq/1FWpotBvcPbX9q6Hn7+0ivB0vAcCUY9xVhZYn6OK4Z4SEndaHbDFTgrbnrN/c6DpwJa9idv7sfzMa5S/8RG9byrGEw2v8RP3n+tcsrxKcl1H41aj1iztomBQzP2A6VUMPGGq1FPESqb6Go0zW8O6zmCKOdjHG36Gud1LWrrUQI55mkRTxk8VTur6S7Y5+RD/AAioBXVGNtWc0p30QoOetOIUc5yaaOBkZpfxqiABxg4H408HjOFqPHr/ADoPeiw0x7OTwQDSZX0pn40uKLDuKSM8cCkJopDTJYmaKDSZoEFOHSm06gBwpaBS0AJRS0UAN85ugoMmP4RmmUhosO47zSewpPMPpRijFAhN1Jml70mKAF3UmaSnAZoAQc0tJ0NLQAmaM0lFAChjQWJpKMUALvPSjcelGKXFACZp24mmmgUAO3GgEn0pB1ooAXNJuNFJjigBdxozSd6KAFzThQoyaOhoAeKXrTRT6AEpaKBQB//Z

 

很多富人甚至會辦理「10萬元一筆, 或30萬一筆的一個月定存」,等待更好的投資會來臨就解約。「對於錢比較少的人來說,如果沒有做出定存的動作,怎麼會有這些錢?」富人M問小M:「你還記得『收入、儲蓄、支出』的致富公式嗎?」小M點點頭。

 

富人M繼續說:「想變富有,首先要先存錢才會有錢,然後一年大概要成功八次較有機會。假設你的目標,每個月存3萬塊錢,你一年至少要有八次成功存到3萬元,一年就有24萬了。」聽了富人M的話,小M一邊繼續幫富人M鍵入續存,一邊想著, 今天,就趁中午休息時間,上網申請網路銀行,把5萬元的活存轉成一年期定存。

 

「使用網路銀行又這麼方便,不用真的白白浪費時間又浪費金錢。」真的,就算你手上只有2萬可以做定存,也請轉成定存,反正是在電腦上操作,也不必覺得不好意思。這個工具在強調讓錢滾動,因為富人是不斷在找機會,定存只是資金的停泊港,把資金和備用金再生出較多的錢,雖然剛開始不是富人,也可以養成「富人的習慣」喔!


金錢成功日記:

 

*運用定存「本利續存」的概念,也可以就造「複利」功能。 比如1月1日存10萬,2月1日領100,069元,再將100,069續存一個月,還可設定電腦自動轉存。


*若定存未存一個月以上就解約,利息會被銀行打八折,且用較低基期的利息計算。


*活存轉定存分兩種:(1)存本取息-每月領(2)整存整付-到期領。


*身上緊急備用金以6個月為主,其餘的資金就拿來尋找「讓錢自己流進來」的方式。

 

shutterstock_204407506

 

用零股投資,機會多多

積少成多,你也是龍頭企業的股東

 

自從發現自己對小貝有一種特殊的感情後,小M對於各種投資理財的方法,又更加積極研究,因為,他發現小貝也對投資理財很有興趣,上星期,小貝還將最近看的一本很夯的股票書借給小M呢!

 

「怎麼樣?你覺得這本書如何?」還書時,小貝問了小M的想法。「以前只知道巴菲特是世界數一數二的富人,沒想到他這麼懂得投資,我還滿認同他的『價值投資法』,只是……」「只是什麼?」「其實這幾天,我有試著用巴菲特的方法,研究了幾家公司,發現的確可以投資,可是對我來說,這些公司的股價都很高。」

 

「你說的是哪幾家啊?」小貝問。「就中華電信、台灣大哥大、遠傳、中鋼這些。」「沒錯,我也有想過這幾家的股票,不過他們都不少錢,而且我總覺得只能買一張也很少。」小貝說。「如果有很多錢,就可以各買一些了,只是現在……」小M附和著。

 

就在這時候。「你們倆別小看自己了,我敢說你們現在就可以買這幾家股票。」富人M說。「怎麼可能?」小M和小貝異口同聲。「當然可能,你們可以去買零股啊~~這個,巴菲特可沒教了吧!」富人M指著小M手上的書說。


買零股,也可以像基金一樣操作

 

大部分的公司在「配股」時,不一定會配一千股,於是就會出現所謂的「零股」。「像中鋼一張要3萬塊,如果買零股,用2千元就買得到了。中華電信的零股,3千元也買得到。」富人M繼續說:「只要有證券公司的戶頭,請營業員幫你們留意想要的零股,每個月領了薪水後,就撥出一部分買進,這麼一來既不會把錢花掉,又可以投資, 成為公司的小小股東,分享公司的獲利。」

 

「所以,我可以這個月買中鋼,下個月買中華電信,下、下個月買別的。」小貝高興的說。


「我也可以每個月各買2千元的中鋼和中華電信,成為他們的小小股東。」小M附和著。


「沒想到買股票也可以像基金一樣定期定額。」小貝和小M默契一致地說。


金錢成功日記:

 

*即使是買零股,也要選擇配股、配息能力好的股票投資。


*抱著長期投資的想法定期定額買績優龍頭股,也是一種「自動賺錢系統」。


*長期買零股,小蝦米有一天也會變成大鯨魚。


*買零股的時間是下午1點半收盤後到2點半,手續費不滿20元也要以20元計算。


*一般來說,除權息之後買進的成本價格較低。


*只要辦理線上購買股票,就有買賣獲利工具,協助自動試算。

 

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