購物狂媽媽用1年還清30萬卡數 理財專家教路靠2個方法戒甩衝動消費學識理財

文: 唐卓寧
2023.03.24

Netflix紀錄片《聰明生活經濟學》(Get mart with money)中,找來4個在理財上有不同問題的個案,其中Ariana就透過改變自己的理財觀念,成功用1年時間將$45,000美元(約$353,000港元)的卡數還清大半,卡數只剩$5000美元(約$39,000港元)。

Ariana現時是2個孩子的母親,她在求學時開始依賴信用卡,常常會外出吃飯、買衣服、上網購物,她形容自己是情緒型消費者,會衝動消費,理財專家兼紐約時報暢銷書《Get good with money》作家Tiffany Aliche就指導她每次購物前要問自己4條問題:需要它嗎?喜愛它嗎?喜歡它嗎?想要它嗎?如果是需要、喜愛的話,就應該買,但如果只是喜歡或想要的話,就算買下都只有一刻的快樂或滿足,購物前多思考,從而節省開支。

另外,妥善規劃亦很重要,因此理財專家提供了第2個方法:將收入分到5個不同帳戶。她指,要做好預算,將收入分成家庭花費、個人花費、一般花費、應急存款、追夢存款,而日常生活只容許自己使用「一般花費」帳戶內的金錢。

Ariana在聽取理財專家的意見後,慢慢還清卡數,3個月後成功還掉$10,000美元(約$78,000港元)的卡數;6個月後剩$23,000美元(約$181,000港元);9個月後將所有利息高於10%的債務還清,剩$16,000美元(約$126,000港元);在1年時,成功將$65,000美元(約$510,00港元)的卡數還清大半,現時只剩$,5000美元(約$39,000港元)。

來源:Netflix

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