【明星理財】林秀怡理財有道30歲前成功上車兼做老闆 一招無痛存錢法儲30萬救病母

文: 王庭芝
2020.10.03

藝人林秀怡與友人夾份投資6位數的美容院日前正式開業,美容院原定計劃七月開業,可是受疫情影響而被逼推遲,美容院尚未開業但都要交租和出糧給員工,與其白白交租,不如趁限聚令放寬後開業。林秀怡已經不是首次做老闆,她年紀輕輕已經投資有道,其實只要好好分配支出,趁年輕投資或者都不是難事。

林秀怡近日涉足美容界,投資6位數和朋友在銅鑼灣疫市開舖,雖然目前市道欠佳,但她已經做足心理準備,希望兩年後慢慢回本,而她認為年輕是最大的本錢,即使投資有風險,但趁年輕多作嘗試未嘗不可。

現年29歲的她之前經營過網店和餐廳,有看過TVB早前的節目《我要做業主》的就會知道她亦在去年尾和男友成功上車,在屯門購入300呎的愛巢,有樓又有舖,對許多年人而言她可謂人生贏家,但這些都是她辛苦蓄積的成果。

林秀怡自小已經培養儲蓄習慣,她曾經分享過初初出來工作,她奉行「罐仔儲蓄法」,就是每次一出糧她都會將所有人工從戶口提出來,大部份的錢作為家用,小部份留給自己作日常開支和儲蓄,她會將金錢放在不同的罐仔內,分開使費和儲蓄,而她坦言現金比較有實感,可以見到自己儲蓄有多少、用了多少。

之前母親患病,她為媽媽醫病花光約30多萬的儲備,她表示慶幸自己有該筆儲蓄,最重要是媽媽的身體健康,錢用完可以再搵,但家人的健康無價。

林秀怡亦一向予人慳家的形象,但她坦言自己並無特別苛刻對待自己,只不過物慾不高,平日甚少買衫或化妝品,一件衣服如果穿得舒服就會不斷重複穿著,如果放假就不會化妝,所以不經不覺就省了錢。至於要如何控制物慾?她認為購物前要考慮該物品是自己須要定想要?如果只是一時衝動,根本無實際須要的話,只要多想一步就不會買。

來源:FB@林秀怡、《我要做業主》

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