有车有屋,不一定有钱 | klse.8k
Published Date: 2000-12-15
错误的第一步:车子就是身份的象征
年青人踏入社会后的第一件事,就是存钱买车。现在市场上最便宜的汽车都要三万元,就算用分期付款买进,头期都要六千元,余款分七年供,每个月还要四百元。在加上汽油,过路费,泊车费等等,每个月单单养车都要七百元以上。有了车后节目就多,花钱的机会就多,想存钱就难上加难。虚荣心告诉我们,车子就是身份的象征,能够换新车就代表我们有本领,事业有成。所以旧车未供完就想换新车,结果是个永远供不完的车。
错误的第二步:装修自己的屋子
居者有其屋,每个人都应该有自己的屋子,有机会买屋子没有理由是错误的决定。而且屋价年年上升,早买肯定比迟买好,这是不用争辩的事情。但是这其中却大有文章,如果处理不当,可能致富无望。
在还没有自己屋子之前,租房子的人都有相同的想法,那就是一切从简。家私不用太好,能用就可以。电视不用太大,能看就可以。装修不用谈,房子不是自己的。东西不用买太多,省得将来搬屋子的辛苦。样样都从简,就可省大钱。
买了新房子,样样都讲究,装修贵一点不要紧,要住一辈子。家私不能够随便,朋友看了没面子。冷气机,电视机,冰箱等等都得齐,这样才能算住自己的家。样样都要钱,幸亏贷款容易,可以先用未来钱。
有了自己的家,供车供屋都来不及了,怎样再存钱?没有存钱怎样作投资,没有投资怎样发达。这就是买车买屋后的危险。
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