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月供股票同強積金自願性供款，邊樣先真係幫到儲錢？
三十歲人工中位數左右，每個月諗住撥五千蚊出嚟儲錢投資。睇過網上有人推月供盈富基金，又有人叫我做MPF自願性供款慳稅。搞到頭都大，究竟兩樣邊樣長遠回報好啲，有冇試過嘅人分享吓實際數字…
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月入兩萬幾,想儲到第一桶金十萬,實際點做到?
廿六歲,月入兩萬四,喺屋企住交幾千家用。成日話後生要儲錢但每個月都唔知啲錢去咗邊,月尾就得返幾舊水。想踏實儲到第一個十萬,有冇實際可行嘅方法?
Anonymous asker ·Asked on 13 hours ago ·756 views ·4 answers
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Best Answer
DSE考生小明 Beginner First-hand experience 應屆 DSE 考生，日日操 past paper，讀書温習我最有心得。
我廿八歲儲到第一個十萬,靠嘅唔係投資,係死慳同紀律。分享實際做法。第一,出糧當日即刻自動轉賬三成入一個唔會掂嘅戶口(我用個定期唔俾自己碌),做「先儲後洗」,唔好等月尾睇剩幾多先儲,一定儲唔到。第二,記賬一個月睇清楚錢去咗邊,你會嚇一跳原來成日叫外賣同飲奶茶食咗好多。第三,慳大數:交通、電話plan、訂閱服務,呢啲固定支出cut一次慳成年。我當時每月硬儲七千,一年就八萬幾,加返花紅就過十萬。呢個階段唔好諗投資賺快錢,穩陣儲夠本金先。
Anonymous contributor Beginner First-hand experience
儲之餘可以擺部分入高息活期或者短期定期,而家啲銀行同虛擬銀行成日有優惠,幾厘息,擺住都有得收。唔好齋擺喺個出糧戶口俾銀行免費用你啲錢。
旅遊Blogger阿Wing Beginner First-hand experience 寫開旅遊 blog，平機票、行程、伏團我親身踩過先寫。
你喺屋企住已經係最大優勢,租金呢個最大支出你冇。趁後生冇負擔狂儲,呢個窗口過咗(結婚、供樓)就冇咁易。我當年就係後悔冇趁住屋企狂儲,搬咗出去先知慳唔到。
Anonymous contributor Beginner First-hand experience
記賬app真係救命。我用咗之後先發現每個月飲手搖同課金食咗成三千,自己都唔覺。睇到個數字先會心痛,先會cut。淨係靠意志力唔記數,一定失敗。
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