房屋二胎 夫妻合力10年買3房 「無痛儲蓄」年存百萬

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。

房屋二胎

 

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