聪明人不要等

不要等到别人微笑后，才面露慈善。
不要等到被爱了，才去爱。
不要等到感觉寂寞，才发现朋友的重要。
不要等到最好的工作，才决定好好工作。
不要等到拥有许多之后，才懂得分享一点。
不要等到失败了，才记得别人的忠告。
不要等到痛苦的时候，才开始祷告。
不要等到分开了，才希望挽回。
不要等到别人受伤了，才乞求原谅。

不要等，因为你不知道要等多久，会等掉多少时间。。。

有錢沒錢需懂理財，用心規劃快樂人生

如果你認為只是有錢人才需要管理財務，那你應該改變這個刻板印象。
其實，財務規劃並非規劃“投資的錢”，而是規劃“所有的錢”，甚至包括沒錢的時候。

財務規劃不但是人生規劃的一部份，而且即如人生一樣，一旦規劃不當便會磋跎一生。
因此嚴格而言，財務規劃應當是一輩子的事情，人生擁有各個不同階段的理財活動，每個階段都會面對不同的理財重點。

我們將人生的重要階段劃分成以下幾個部份，讓你了解每個階段的理財重點，再規劃屬于你的快樂豐富人生。


青春單身族從零開始負擔不大

★28歲以下，處于累積財富期
★理財目標：出國留學、存錢買車、買屋、籌備婚禮


這是培養理財習慣的重要階段，所得收入包括歷年來得到的紅包錢、求學時代打工賺的零用錢，以及初踏入社會領取的薪水等等。

以前，小孩紅包錢都交由父母存起來做為學費，現代父母則可將紅包錢直接用孩子名義設立教育基金，一來協助孩子了解金錢意義，更可養成儲蓄理財習慣。

許多學生喜歡在假期打工賺取零用錢，如果將辛苦賺來的錢妥善規劃，除了訓練自己養成理財習慣，更可存下日后供深造的經費，父母無需再為孩子昂貴的學費苦惱。

由于社會新鮮人薪水不高，因此建議每個月挪出固定款額投資基金，等到年杪發放花紅時，再調整投資款項。

通常青春單身族群可說是從零開始，即使沒有很多資金，開銷也不算大。雖然最大的好處是沒有太大的家庭負擔，可是要為未來家庭積累資產，此時絕對是最佳時機。

總而言之，單身族最大的創造財富能力來自工作，投資不過是“順風車”，所以應該了解自己最大的謀生技能，擁有良好收入才有理財基礎。


甜蜜雙薪族歷經人生重要階段

★28到40歲，處于保存財富期
★理財目標：子女教育、創業、應付貸款、儲蓄

這個階段擁有幾項人生重要過程，如新婚甜蜜期、購屋計劃、子女教育或白手起家。

新婚期間，家庭收入由1變2，如果沒有小孩及撫養父母負擔，是可以儲存較多資金的階段。雖然如此，新婚夫妻的財務壓力
會同時增加，如每個月的房貸、車貸以及種種用來提升生活素質的家庭建設費用。

如果夫妻2人想要創業，就必須齊心協力，努力掙錢之餘，在繳付各種貸款后要積極存錢，為日后的老板及老板娘身份鋪路。


此外，現代父母非常重視孩子的教育基金規劃，而且越早規劃日后就越輕鬆，無需等到孩子長大后再積極張羅深造資金。

總而言之，這個階段的理財重點應是合理安排家庭開銷，稍有儲蓄后再選擇一些比較激進的投資工具，以獲得更高回酬。

加上家庭及事業都剛起步，保險絕對不可少，以子女未來的教育及生活費安排為主。


中堅打拼族萬全準備以防不測
★41到55歲，增加財富期
★理財目標：子女教育、少繳點稅、投資置產、退休準備

步入中年，很多人都忙著償還房貸和車貸，更要維持一家大小生計，所以這個族群要為家人做好萬全準備，以防天有不測之風雲。

這個族群可說是處于“上有老下有小”階段的“夾心一族”，負擔是最重的。除了規劃家庭的龐大開支，包括子女大專教育費用和保健醫療費等等，還要為自己日后的退休生活打算。

慶幸的是，隨著子女逐漸獨立，父母可根據經驗適當投資，如果購買保險應當偏重教育基金、自身保障等。

因此，這個階段的族群應優先考慮子女的教育規劃，通過投資基金、債券、教育保險、教育儲蓄等方式累積教育基金，在有多餘錢財的情況下才做一些資產增值投資。


快樂銀髮族穩健安全投資為主
★55歲以后，處于分配財富期
★理財目標：黃金歲月、旅遊經費、資產規劃、遺產安排

臨屆退休的銀髮族已踏入人生另一階段，此時的退休生活應當是多采多姿的。

隨著子女開始獨立，家庭負擔逐漸減輕，這本來是最適合積累財富的階段，可是由于已進入人生后期，所以不適宜選擇高風險投資，反而應以穩健為主，適度投資為自己攢點旅遊經費。

例如，可以選擇投資平衡式或國內債券基金，投資保守型基金也以安全考量為主。
此外，養兒防老觀念已漸漸式微，為免年老時孤苦伶仃，除了把財產分配給兒女外，老年人也得學習規劃安穩退休生活，以安享晚年。

至于安排遺產，人們往往視撰寫遺囑為禁忌，認為是不吉利的事情，其實必須及時更改這種錯覺，反而應該將財富分配好，以免未來子女不但為遺產一事奔波，兄弟姐妹更為此事鬧內鬨。

12 Ways To Be Mortgage Free

How to pay your loan off faster

1. Make extra repayments

Making extra repayments would reduce the time to pay off the loan and you pay less in interest. The simple logic is that the sooner you pay off your loan, the more money you save in interest payments. The more you pay, the more you save. Time is money!

For example, if you take up a loan of RM100,000 at 6.75% for 25 years, your monthly instalments will be about be about RM691. This equates to a total repayment of RM 207,203 over the term of your loan. If you pay the loan out over 15 years rather than 25, your monthly payment will be RM885 per month. But the total amount you will repay over the term of the loan will be only RM159,247 - saving you a whopping RM 47,956!

Another way to get ahead of your loan commitments is to make your repayments as if you have a higher rate of interest. Get a loan at the lowest interest rate you can and add 1% or 2% to your repayment amount. So if you have a loan at about 7% and pay it off at 8% or 9%, you'll be paying off your loan quicker and thereby reducing your interest payments.

Extra lump sums or regular additional repayments will help you cut many years off the term of your loan.

2. Make more frequent repayments

Most banks allow you to repay your loan monthly fortnightly or weekly. By paying your loan fortnightly or weekly (rather than monthly), you get to reduce the term and cost of your loan. How does it work?

Split your monthly payment in two and pay every fortnight. You'll hardly feel the difference in terms of your income, but it could save you thousands of ringgit over the term of your loan. The reason for this is that there are 26 fortnights in a year, but only 12 months. Paying fortnightly means that you will be effectively making 13 monthly payments every year. And this can make a big difference!

Using our example from above, by paying monthly instalments, you will need to repay RM207,203 over the term of your loan. By paying fortnightly, you will save RM 22,602 in interest and 4.4 years off the loan.

3. Start repayments early

During the first few years of your loan, it may seem that you are only paying interest and the principal isn't reducing at all. This is one of the unfortunate effects of compound interest. So to avoid this phenomena, you need to get some of the principal repaid early.

One of the ways is to commence repayment of the monthly instalments (which include the principal) before they become due. For example, most loans financing an under-construction property require the borrowers to pay interest only during the construction of the property and to commence the monthly instalments upon the completion of the property. This means you only start repayment of the principal only upon the full release of the loan upon the completion of the property. If you start repayment of the monthly instalments (which include the principal) early, you get to reduce the principal early.

Indeed for an Islamic loan, if you commence the repayment of the monthly instalments during the construction stage of the property, the bank will waive the “grace period profit” or the interest payable during the construction stage.

Another way of starting repayments early is to ask your bank to base your repayments on the “thereafter” interest rates, rather than the introductory or “honeymoon” rates. Most standard variable housing loans provide for a lower repayment during the initial years when the attractive “honeymoon” interest rates are applicable. Ask your bank or mortgage consultant for a flat repayment scheme.

4. Pay all your mortgage costs upfront

Some loan packages finance all your mortgage fees and expenses, ie, legal fees, stamp duty, disbursements, valuation fee and Mortgage Reducing Term Assurance. Don’t kid yourself. Such benefits are all added into the loan package concerned, either directly by adding to the amount of the loan or indirectly by charging you higher interest rates or a penalty fee if you do prepay your loan within 5 years. You are better off coming up with cash for your upfront costs. While this can seem a blessing, try to avoid doing this. Consider the following example:

Borrower A borrows RM100,000 over 25 years at 6.75%. His upfront costs are RM5,000 but he has enough cash to make sure he can cover these. His total repayment over 25 years will be RM 207,203.

Borrower B takes out the same loan but doesn't have enough cash to cover the upfront costs. So he borrows RM105,000, at the same rate. His total repayment over 25 years will be RM217,638.

5. Consolidate your debts

One of the best ways of ensuring you pay off your loans quickly is to consolidate all your debts. Determine which of your debts carry higher interest rates and consolidate all of such debts under one housing loan. You take up a new or additional housing loan to settle and pay off your credit cards and personal loans. By doing so, you will cease to be charged interest at 18% or 12% on your credit cards or personal loans respectively. Instead you will be paying interest at the relatively lower housing loan rates.

6. Structure your loans

If you have more than one mortgage – one on a residential property and another on a commercial/industrial property, it may make sense for you to take maximum loan on your former property and reduces the loan amount on the latter property. It is a known fact that banks prefer and favour housing loans and therefore offer very low and attractive interest rates for residential properties, as compared with that offered for commercial or industrial properties.

Kindly seek your tax consultant’s advice on the tax implications of such a move.

7. Tax planning

When you purchase a property for investment, you will want to take a loan which monthly instalments (together with the outgoings of such property, ie service charges, sinking fund, quit rent, assessment, taxes, etc) match the income (ie rentals) of such investment property. From an investor’s point of view, the property is self-financing and over the years, the property will pay off by itself and be free from any debts.

As an investor of property, you may want to do some tax planning. All investors will have to pay tax on the “profit” of your investment, ie the surplus of the income over the expenses of the investment, ie, the outgoings of the property and the interest payable for the loan taken to acquire the property. Repayment of principal will not be considered as an expense. During the earlier years of a loan, much of the repayment is toward interest. Accordingly the “higher” interest payments reduce the profit of the investment and therefore the tax payable is lower.

However after several years of repayments, as the loan is slowly paid down, more of the repayments will go towards the principal, as opposed to interest. When that happens, the expenses will reduce and the profit of your investment in the property will increase, and so will your taxes. In such an event it may be a good idea to increase the loan (by an additional loan or refinancing) and increase the interest payments and therefore reduces the taxes payable.

Another tax saving that you may consider is if you have an investment property which has a loan on it and also a loan on the home you are staying in. You may want to reduce the latter loan and increase the former loan. The simple logic is you are paying tax on the investment property and not on the home you are staying in and therefore by increasing the interest repayment on the loan taken on the investment property would reduce the profit thereof and accordingly taxes payable for the same.

8. Get an all-in-one account

An all-in-one account allows you to use your mortgage as your key financial product. This means you have one account into which you can pay all of your income and from which you pay your living expenses as well as making your mortgage repayments.

An all-in-one account can make a huge difference to the speed at which you pay off your loan. Because the whole of your income is paid into the account, you are reducing the principal on which interest is charged. Of course every time you withdraw from the account for living expenses, the principal (and therefore interest liability) will increase but careful use of the all-in-one account can save you interest payments and cut short the term of your loan.

For example if your loan balance is RM100,000, interest would be charged on a daily basis and charged on that full amount each month. If you have an all-in-one account, you remit all your income and savings, that moneys will off set and reduce the loan balance, upon which interest is charged. Rather than earn interest at the “low” saving or fixed deposit rates (3.2%), that moneys effectively reduce the loan balance and interest payments, thereby “earn” interest at the higher rate applicable to the loan (6.75%).

An all-in-one account is also useful when you are able to make additional payments towards the loan. If you are only able to make the equivalent of the minimum repayment on your loan (and not put in any extra) you may be better off with a standard conventional loan, where the interest rate is lower.

However, it's not unusual for borrowers using an all-in-one account to cut the term of the loan from 25 years to less than 15.

9. Use your credit cards

Credit cards allow you to postpone the payment of your bills free from any interest if payment is made before the due date. You can charge all your bills to your credit cards and keep your money in an all-in-one account longer. Every day that your moneys is in the all-in-one account is another day that interest is calculated on a lower loan balance. As soon as you pay your credit cards’ bills out of your all-in-one account, interest will be charged on the higher loan balance. Take full advantage of the interest free days offered by your credit cards.

Don’t forget to pay your credit cards’ bills before the due date thereof.

10. Refinance and save

One of the best ways to repay your loan quickly is to refinance your loan to a lower rate but don’t change the amount of repayment. This means you continue to pay as if the interest rate is the higher existing rate.

This will allow to pay off more of the principal with each payment and accordingly reduces the time you finish paying off the loan. For example, if you refinance a 25 years loan of RM100,000 from an interest rate of 7.5% (BLR + 0.75%) to 6.75% (BLR +0%) but continue to pay repayment based on the higher rate, you could cut about 3 years 9 months off the term of your loan and as much as RM33,255 in repayments.

However make enquiries on what it will cost you to refinance. For example, there may be penalty fees payable on your existing loan and legal fee, stamp duty and valuation fees payable for your new loan. Work it all out and see if it makes financial sense to refinance.

11. Staying Informed

Information is your greatest weapon. By staying informed about what is going on in the housing loan market, you might be able to stay a step or two ahead of your lender. And if you can stay one step ahead, you are already on your way to paying of your mortgage faster.

With any long term commitment, there is always a tendency to let your loan roll along, pay your monthly instalments as and when they fall due and don’t think about it. This attitude can be a big mistake. Keep yourself abreast of what is developing in the mortgage industry and you might find that there are opportunities to put yourself ahead. Interest rates change and new products may allow you to seize an opportunity or negotiate a better deal.

Stay informed and stay ahead of the game.

12. Get the ideal loan to suit your needs

Getting the right loan the first time is the biggest consideration when it comes to saving money. You need to ensure that your loan is best suited to your circumstances.

Shopping for an ideal loan may be difficult but it may be worth your while to invest some time to do some research. Make sure you speak to the bankers and mortgage consultants and search for information through the internet for the available loan packages in the market.

Choosing a loan is about knowing what you want. Make a list of all the features of the loan packages that are important to you and rank them according to importance. And you will be able to filter through the arrays of loan packages and through the process of elimination, you'll see the one that's right for you. Remember, different loans have different purposes so you need to match a loan to your need.

Ditching the features you don't need can reduce the interest rate of your loan.

理财专家刘彦斌：女人财务独立才是真正的独立

对任何一个人来讲，只有财务独立才能获得真正的独立，所以本书提出的“女人就是要有钱”的观点我是完全赞同的。我经常讲女人要自立，不能有“靠”的念头，因为“靠山山倒，靠人人跑”，只有靠自己最好。一个女人只有经济上独立了，才会在生活中获得心理上的安宁。

一个人一生的收入来源于两个方面：一方面是工作收入，另一方面是理财收入。孔子云：“君子爱财，取之有道；君子爱财，更应治之有道。”这里说的“取”就是赚钱，“治”就是理财。一个人赚钱能力再强，如果不会理财，到了晚年还是会落地两手空空，为衣食忧愁。

那么如何理好财呢？我同意书中的观点：要从攒钱开始。攒钱是理财的起点。我经常讲：收入是河流，财富是水库，花出去的钱就是流出去的水，只有留在水库里的才是你的财。要想攒好钱，就要一生养成量入为出的习惯。有一次我接受媒体采访，让我给女性理财提点建议，我说：“女性朋友要尽量克制冲动消费。”女人在消费方面的自制力会比男人稍差一点，但要让一个女人完全向男人那样去消费，是不可能的，如果那样的话女人就不再是女人了，女人也就不再可爱了。但是过度的消费会使你无财可理。信用卡在女人消费的过程中扮演了重要的角色，我同意书中的观点，要慎重使用信用卡。我一直认为信用卡是冲动消费的罪魁祸首，它会造成人们的无感觉消费，因此抛掉手中的信用卡是克制冲动消费的一个很好的方法。当然，如果你认为必要，留一张在手里也可以，但平时少用它，尽量使用现金付帐，这样你就会少花一些钱，多为你的水库存些水。

光会攒钱是不够的，还要学会投资，要让钱生钱，生钱是理财的重点。我建议把你家水库中的钱分成三份：第一份，叫应急的钱。应该留半年到一年的生活费，这些钱以活期储蓄的形式存放，当然也可以买点货币市场基金。
第二份，叫保命的钱。应该留三到五年的生活费。这些钱可以以定期储蓄的形式存放，或者部分购买国债。
第三份，叫闲钱。是五到十年不用的钱，这些钱才可以用来买股票、基金、房地产，以期获得高收益，当然也要做好亏本的准备。

书中提到的养老保险也可以买，但不是唯一手段，投资基金也可以用来养老的。能不能养老关键看你的水库中有没有足够的水。第三点我要说的是买保险，我这里说的是买保障型的保险，比如人身意外险、住院保险和定期寿险等等。这样你在发生意外损失时，保险公司会为你提供补偿性的财务支持，否则你家的水库就有可能决堤了。买保险是为了实现财务安全。
最后一点我要说的是婚姻。中国有句话：男怕入错行，女怕嫁错郎。这话一点没错。结婚本身就是理财，婚姻不是你最大的财就是你最大的债。书中的观点我很认同，女人不应该因为爱一个人而和他结婚，而是因为人生观、价值观相同而和他结婚。女人都喜欢“帅”男人，殊不知这个字眼是夸赞男人的字眼中最不值钱的一个。“帅”和“嫁”之间毫无关系。女人愿意嫁有钱的男人是天经地义的想法，一点没有错，但嫁给有钱的男人不代表女人可以不工作，财务上不要独立。一个完全要老公养活的女人很难说是一个独立的女人。所以我不主张女人做全职太太。女人不应该因为婚姻而失去工作。只有工作才能让一个女人成为真正财务独立的女人，进而成为人格独立的女人。我衷心祝愿你们都能成为有钱的独立女人，也希望你们生活幸福美好。

冬至

阳历十二月二十二日或二十三日

解说：

在中国，“冬至”的字面意义很清楚的告诉人们，这一天到来，宣布着严冬季节开始到来。虽然东南亚地区常年皆夏，它还是被当地的华人视为一种习俗，世代流传至今。

冬至通常是落在每年阳历十二月二十二日前後，太阳到达黄经270度时开始。

这时，太阳几乎直射南回归线，在地球北半球的人们看太阳，会见到它迟迟升起，只有南半天，划了个又低又小的圆弧就西落了。因此，这一天是北半球的白天最短的日子。

中国北方人有“吃了冬至饭，一天长一线”的说法。

也即是说，冬至过後，太阳的直射渐渐北移，北半球的白天时间一天比一天长。周朝以来，古人以为这一日阳气（白日）开始上升，是个吉日，所以计算24节令亦 以冬至为首节。古人更因此以为交冬是应当庆祝，甚至以为这是新的一年已来到的开始。所以自汉代以来便非常重视冬至日，且有庆贺的习惯。

把冬至看成一年中的盛大日子的说法从周代便流传，而且演变出许多重要的仪礼。

它不只是一个朝廷节日，也是民间的大节日，以为冬至是每年的24节令的第1个节令的首天，这一天应该祭天、祀祖，除了家人团聚，亲友也互相贺节。

从中国历史上开始有文字可以追溯的周朝起，一直到了清朝这一个中国历史上的最後一个皇朝，冬至日是皇帝一年一度代表其国家和百姓祭天的大日子。

《周礼》说，周朝时代冬至是天子“祀供昊天上帝於闤丘”的日子，由皇帝在郊坛带领官员向东南西北中五方帝君及日月星辰致祭。至汉代，风俗尚传，《准南子》记载：“冬至日天子率三公九卿迎岁”。

《汉书》解释说，冬至时“君道长，阳气升”，所以便要庆贺。

《後汉书》则说：冬天前後是君子安身静气的日子，百官也应绝事，不听政。满朝官员在每年冬至起，要在这时休息一阵子之後，方才选择良辰吉日重新省事。

唐宋两朝，都把冬至视为大节，皇帝率文武百官祭祖，祭後还举行朝庭互拜。到了清朝时，冬至依然被官方定为“祭祖日”。

至今，中国不少地区仍旧是流传了“冬至大如年”的说法。

北方谚语说“肥冬瘦年”是从经验中得到教训：为了每年这一天起要准备度过冬天，许多人都会尽量设法找钱开销。等他们庆贺了冬至和过了冬天之後，到了春天过新年之刻，袋中钱财已所剩无几了。

迄今广东人还是沿着旧俗，称冬至日为“亚岁”、“小年”、“冬节”和“亚节”。

习俗：

1）祭祖是使冬至内容与人间伦理相关的重要活动，既有家家户户举行，亦有由宗祠会馆统一办理“冬祭”。隆重的冬祭仪式包括扫祭社团总坟以及设宴聚会亲族。

2）冬至的食物特徵是汤圆。从搓糯米丸到煮糯米丸，一直到全家老幼吃糯米丸，是当天不可缺少的风俗。福建人以红糖煮糯米丸祭神；潮汕人，除了制作糯米丸，也有制作梗米丸的。

至於客家人，又有以为这一日是“冬年”，出现在冬至日进补“补冬”的习惯。各籍贯人之间，亦流行在冬至打边炉，客人又有以为冬至日吃烘番薯补身的习惯。

3）福建人迷信说，在冬至煮汤丸时，有机会辨别家中尚在母腹的婴儿的性别。如果汤丸的表面像气泡突起，就表示产妇未来会生男婴，如果汤丸的表面凹下而出现缺孔，则表示会生女。由於过去缺乏科学鉴证，才有如此预测方法。

意义：

福建人之风俗可参考《惠安县志》说法：“冬至阳始生，则为米圆，以像阳圆圆也”。“丸”与“圆”同音。因此，全家人一齐搓汤圆煮汤圆，又用汤圆祭神祀祖和分食汤圆，是一种合家乐的协作和好气氛，也象徵“团圆”的美满之意。

古人对冬至的重视是可以理解的，每年的严冬都是对地面上一切生命的一次考验；即使是南方热带，华人还是用“过不了冬”的谚语形容生命垂危。所以，人们便在冬季庆幸一年的团圆，也预祝来年及往后的团圆。

在这一日祭祖，也带有这一层的祈愿意义，盼望历代祖先的先灵回到子孙家中，子孙都团聚不分。所以，广东人和客人，又俗称祀祖为“家宴”，过冬至为“添岁”。

基於冬至是一切生命有待“始而复生”的考验的开始，所以闽人也在这天，藉汤丸预测未来加入家庭团圆的新生命是男是女。

马来西亚和中国不同，并没有明显的四季之分，在热带地区过“冬至”只是文化习俗的认同。

“冬至”的气候情况并不可能在热带出现，但是华人在东南亚，依然庆祝“冬至”、依然祀祖吃汤圆，正说明活动内涵的价值，根深蒂固在人心。

当相应於节日的祈愿和习俗形成一种文化，节令的真实时空状况是否确实如同以往，已不再是构成节日存在的重要因素。

Message :

"Christmas gift suggestions:
To your enemy, forgiveness.
To an opponent, tolerance.
To a friend, your heart.
To a customer, service.
To all, charity.
To every child, a good example.
To yourself, respect. "

" Merry Christmas "

by XTREME Group

Message : Every single penny & dime that you have saved will serve as a LOVING UMBRELLA for your family and loved ones, sheltering them from storms & rains. Your love will be the constant light for your home. Let us together hold this LOVING UMBRELLA.

AIA調查顯示大馬新生代 選擇投保私人醫藥服務

（吉隆坡訊）美國友邦保險公司的一項調查顯示，時下大馬青年將會選擇投保私人醫藥服務。


一般上，先進國的年輕人會比年長者，受過高等教育。他們的教育水平高是因為對風險的醒覺有所提高，包括健康。

一篇文告中說，在醫藥保險中，客戶可自由選擇所需要的醫藥保單，不過，促成他們做出決定的主要原因是想擁有“保護計劃”。

合理理财-六步骤

理财其实不难，只要你有决心，遵循一定的步骤就可以开始个人理财。

　　当你开始着手进行财务管理计划时，有六个基本步骤可以协助你更快地掌握要点。刚接触个人理财，也许会觉得这几个步骤既繁，又难以执行，但这些步骤就好比学开车时，驾驶训练班安排的课程，要求你必须背一大堆口诀，当右转时方向盘该打几圈？倒车入库时又该怎么转。等到到你开车得心应手时这些口诀就可以功成身退。理财也是一样，当它成为生活的一部分时，不需刻意强记这些步骤它们就成为生活的一部分时，不需刻意强记这些步骤它们就成为实际的行动，此时，你就算是具有相当的理财基础了。通过下列六个步骤，可以让你的理财过程有事半功倍之效，避免徒劳无功。

　　第一步 了解自我

　　每个理财个体都是唯一的，你有与他人相异的财务目标、财务状况、家庭成员、生活理想、嗜好，甚至与众不同的脾气，以及对风险的看法等等，为了合全家的财务资源能有效运用，因此你可以通过家庭会议定出全家共同的目标。有了目标之后，就必须付诸实行，所谓“知已知彼，百战百胜”，站在个人理财的起点，你必须了解自己的财务实力、收支状况、理财条件及未来需求等，才能定出合适自己的财务策略，编列预算达成目标。

　　个人理财是以财务独立为起点，例如一个人刚刚参加工作有自己的收入，可以支配工作所得，这时候他就是一个理财单位。结婚后成为双薪家庭，拥有两份收入，也有家庭的共同目标，例如教养子女、定期旅游等等，因此，了解自我就是清楚你与众不同的财务现状及目标。其次，可支配所得代表个人总收入减去缴给税务部门的各项税额后，可用以自行支配的部分，因为，只有在合法缴税后，才能安心理财。由于个人所得是陆续发生的，如何预估或掌握收入、支出的情形，进而检讨改进，就有赖于平日的财务纪录，就必须先认识个人的财务报表，了解自己的财务实力。

　　第二步 设定目标

　　理财如同在大海中航行，在“了解自我”的过程中，透过财务报表，了解财务资源的多寡及形态，也就是清楚自己驾驶船上的配备；接着你就要以透过对美好生活的憧憬，描绘属于自己的美丽新世界，也就是说要先了解身处何处，确知所欲何往，以订下理财的目标。目标的设定必须明确具体地凝聚资讯及资金，才能合财务策略的运用得心应手，缩短达成时日。

　　第三步 拟定策略

　　达成财务目标就像障碍赛跑的过程，而策略是达成目标的方法，订下财务目标后，由于每个人有不同的条件、不同的障碍，因此你必须发挥优点、避开弱点、找到机会、顺应趋势、运用最省时省钱的方式到达终点。“拟定策略”就是找到最有效率的理财方法，以最少的花费，最低的成本达成你的财务目标，这是假定策略的最高指导原则。

　　第四步 编列预算

　　找到财务策略之后，你必须更精确地将计划与财务资源配合，而预算是控制目标达成的工具，不管是资金流量的累积、存量的配置，都需要编列预算，让财务目标数量化，然后可以设定逐步达成所需的金额及进度，用预算来控制收入及支出。惟有事前详加规划，才能让财务计划在理发的程序下，顺利达成。

　　第五步 执行预算

　　接下来，你可以依照所编列的预算，开始执行工作，但是为求谨慎起见，可以再从第一步骤起做个修订，直到符合理想为止，且随时做财务经录按照进度实行配合计划的进展，才不会偏离目标。

　　第六步 分析成果

　　最后一项步骤，就是开始评估整体财务计划的成效。如果对成效不满意，可以按照前表，再重头做一番新的检视，比如：可再增加所得收入，或是节衣缩食减少支出等，然后调整预算表，重新检查是否可达成目标。分析成果的目的，是用来调整长期的财务目标和计划。

KLG-Xtreme like to 扮"野"

Message : act like Super Model(s) oh!