鏡周刊-許行君
買房對年輕人來說是遙不可及的夢想，如果沒有「靠爸」或「靠媽」很少人能靠自己的能力房子。不過一名35歲女子，靠著簡單2招理財法，幾乎年年都能存到100萬元，讓她在結婚10年內買了3間房子，且越換越大間，去年更買下總價2,500萬元、含車位的第3間房子，「無痛儲蓄」理財妙招曝光讓網友爭相筆記。
根據《CTWANT》報導，35歲的王雅馨從小家境不好，讓她深深了解「理財」的重要性，於是開始玩基金小賺一些外快。25歲的她結婚後和老公在傳統市場賣雞肉，最窮的時候兩人要合吃一碗泡麵，夏天也不敢開冷氣。
王雅馨強調：「會賺錢不代表有錢，重要的是要懂得留住錢。」她靠著簡單2招「信封理財」與「記帳理財」，讓夫妻倆每個月存下收入的3分之1，積少成多最後得以買房。
王雅馨說明，「信封理財」就是每個月帳單一來，她會先將必須支出的費用如房貸、水電費、學費及保險等一一列出，再把相對應的現金各自放進專屬信封袋中，接著將信封袋放入標示清楚的風琴夾中，每個月剩下的餘款就放進另一個紅包袋裡，假使有信封袋的現金不夠支付，她會特別標記把多支出的花費列入下個月的帳上，這樣才能確保每個月的存款金額都有達標。
而「記帳理財」則是要每天記帳，清楚掌握每一筆花費。王雅馨解釋，若是全家人去夜市，會先設定預算，並清楚告訴家人花錢底線，一邊在旁紀錄消費金額，每一筆支出用途與目的都算的清清楚楚避免浪費。
而王雅馨靠著這2招無痛儲蓄法，每個月都能留住收入的3分之1，幾乎年年都能存下100萬買房的自備款，讓她10年內買3間房，先是在公婆的幫助下購入人生中第一間房子，總價520萬、23坪大，幾年內就還清了自備款。
第一間房子住了3年後，王雅馨以650萬元賣掉，再加上本身儲蓄的350萬自備款，購入總價1,500萬元、35.7坪的第2間房，每個月房貸4萬多元，但之後房子漲價至1,800萬元，去年又以自備款500萬元，買下總價2,500萬元、含車位的的第3間房。
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