大家都知道現在全球經濟衰退，而我工作到現在也已經八年了，但是卻從來沒有好好想過工作最重要的目地->錢。就像我跟老媽在討論的，既然工作是要賺錢，而我竟然不好好管理賺來的錢，實在是本末倒置。這兩天才看到自己在雅虎的退休金縮水了35%，這就是對理財什麼都不管，什麼都不懂的結果。簡單的把投資轉成政府公債即可不讓它縮水，然後趁現在再進去就沒問題。唉。。這就是懂跟不懂的差別。
所以現在我要宣佈一件事，那就是我不要再用現有的現金買玩具了，那實在是太傷了。這樣講好了，像我現在很想買一台新的單眼相機，加上一顆鏡頭大概要美金$3000。我不可以直接拿三千元出來，但是我可以拿那個兩倍的錢去放在基金或是股票直到它賺到扣稅後可以讓我不用任何現有的錢去買。很有可能要一年或兩年才能賺到那麼多，但是我想這是對我自己的金錢控制力很好的訓練。寧可投資於風險很大股票(賠就當學費)也比買像是相機，車子，電腦，那些一定虧的玩具來的好。
我們現在開始用www.mint.com來管理我們每個月的開銷。我們大部分的開銷是用信用卡付的，而那個網站可以讀入我的銀行，信用卡，投資帳號的資料進而讓我們有一個整體家裏經濟的鳥覽圖。我第一次發現自己一個月的開銷大概是兩千五，但是每次買玩具或是狂去餐廳吃飯那個月就很慘。開始用這個網站理財後，我發現我很不喜歡看到這個月的結餘比上個月少。:) 所以我才會有上面的宣言，要玩可以，但是要讓錢自己去把玩具賺回來。
就這樣，接下來我會繼續報告掌控的結果。請為我加油吧。 
Does that mean you not gonna be getting the camera? :)… good stuff though.. especially with kids now, gotta know where the money went. Like mom said, not about what you make, it’s about how you spend~
haha, so yeah I have to NOT sell the camera for while. I really want to stick to my plan, so this also forces me to learn investment because I really want that camera. I think that’s a win-win.
Mint.com is okay. Why not invest $50 and get Quicken 2009?
輪到我們自己賺錢養家,才知道父母親的偉大~~~~~
Yen,
mint is enough for me, why spend another $50.
瑞，
真的，而且單單賺錢不夠啊。多懂點理財才更有效率。
mint.com does not net your returns/refunds against your purchases in the trend section. Like you, i also dont like seeing increasing monthly spend.
I’ve also recently finally understood what it means to “buy what you need and what you want”.
It sounds like you are trying to make short term profit by timing the stock market?
Regarding investing, I hope you are maxing out your 401k in a well balanced portfolio, concentrating in funds with low expense ratio.
correction: “buy what you need and NOT what you want”.
David,
I am about to max out my 401K again this year. Already max out my Roth last year and soon this year again. For 401K and Roth, I am looking long term, but for camera fund, yeah it would short term. Although if I am seeing profit going, I’ll let it run.