The Viewpoints of Catwoman Teresa -女性常見的理財錯誤觀念：先消費後儲蓄 by catwomanteresa

hive-105017 · @catwomanteresa · Jan 18 '23 (edited)

$11.85

The Viewpoints of Catwoman Teresa -女性常見的理財錯誤觀念：先消費後儲蓄

<liketuimages>
<center>
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大家都聽過一個說法：女人和小孩的錢最好賺，其實小孩的錢不也是媽媽抵不住愛子心切才管不住錢包？
所以只要撬動女人的欲望，就是商人業績的來源。![](https://images.ecency.com/DQmWi7ZtBvBimSZ44buEbJ2mZSnV5D5EWBjBRY7PpoGupoV/shopping02.gif)

身為女人，聽到這種話心中難免有些不服！

男人雖然不像女人購物欲望強，一旦擁有夠龐大的財富，出手都是大筆花費。~~例如買跑車、包小三~~![](https://images.ecency.com/DQmYBfKJtkS9tNQwjppTYy5K9RW7LQtStT9HtYbeVbWfeSa/despise01.gif)

但是我仍不得不承認，這種說法某個程度上是正確的。不管是為自己或是為心愛的人花錢，女人總是逃不了感性消費

既然我們女人剁手也要消費，那麼就更應該學習「正確的金錢觀念」，讓自己能夠在兼顧消費欲望的同時，藉由理財來保障自己能「持續維持穩定的生活品質」。
在學習理財之前，先來學學怎麼避免錯誤的理財觀念![](https://images.ecency.com/DQmbbVYHNrrTCR6mZDLGijgU5g18PxwdWoHqSP392Vjo9Jo/no11_1.gif)

## 理財錯誤一、先消費後儲蓄

![](https://images.ecency.com/DQmQ6P1pWpJB2efcjW6rfso9r7dA4Di4q49HzEM6yJe6pAr/catwomanteres_deposit.jpg)

相信大家都認可，**理財的第一步是儲蓄**，否則哪裡來的財可以理？

常常聽到很多小資族會說：「我每個月的薪水都不夠花了，投資理財對我來說太遙遠了」。![](https://images.ecency.com/DQmPtZvqEsSvh6z5rU7Ki9gt6zgpTMAsgKrLy59tx69DEdo/break01.gif)

聽出問題了嗎？「**每個月薪水不夠花，所以沒有財可以理**」，聽起來似乎有道理，但是實情其實是：「**因為沒有理財，所以每個月薪水不夠花**」。

既然理財的第一步是儲蓄，那麼儲蓄優先於消費，自然也就順理成章。
問題是，沒有理財觀念的人，通常只會拿花剩下的錢來儲蓄。
仔細回想一下，當我們手頭比較寬裕的時候，是不是總會出手比較大方？
這是人性的弱點之一，所以賺多少錢都還是月光族也就想當然爾。![](https://images.ecency.com/DQmNvYtzyf9c76rpLfyWNUdX5vKRu5RQHeJs4iQr3epYEWA/money05.gif)

#### 想要儲蓄，第一步就是要**讓自己的口袋不要有太多錢**。

在我們拿到任何一筆收入（不管是主業或是兼職）的同時，要做的第一件事，就是**先撥出一定比例的錢，存進你的儲蓄帳戶**，剩下的錢，才能拿來消費，這個帳戶，可用作**緊急預備金**、**投資本金**

而消費帳戶，則可以分為**日常消費**、**夢想基金**、**享樂基金**等，詳細如何安排，以及如何輕鬆無痛地加快儲蓄的速度，我會另外找時間跟大家分享。

如果你看到這裡會覺得「錢都不夠用還怎麼儲蓄」，那麼就一定要追蹤我的文章，表示你一定也犯了其他的理財錯誤！

完整文章搶先看：https://www.catwomanteresa.com/2022/12/wrong-investment-concept-of-female/

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### <center>❤️My recent posts❤️</center>
|![loser.jpg](https://images.hive.blog/768x0/https://www.catwomanteresa.com/wp-content/uploads/2022/09/catwomanteresa_money_cover08.jpg)| ![項鍊海岸工作室.jpg](https://images.hive.blog/768x0/https://cdn.liketu.com/media/catwomanteresa/images/cl8xcohwp00iw2ckchq1g4jev_1E8E6BC8-15D4-4419-92D1-4F197E62FE28/cl8xcohwp00iw2ckchq1g4jev_1E8E6BC8-15D4-4419-92D1-4F197E62FE28.webp)| ![聰哥食堂](https://images.hive.blog/768x0/https://images.ecency.com/DQmTZpQDQuf1D1WW4h2qw1Z5G9hXt43Dr7PLH4yKVCjjYfR/catwomanteresa_smartbrother07.jpg)|
| ------------ | ------------ | ------------ |
| [Make Money with Catwoman Teresa-Don't be A Loser 失敗者常掛在嘴邊的話](https://hive.blog/hive-105017/@catwomanteresa/make-money-with-catwoman-teresa-dont-be-a-loser)|[Study with Catwoman Teresa 攝影調色-項鍊海岸工作室](https://hive.blog/hive-105017/@catwomanteresa/7ecfnd-study-with-catwoman-teresa)| [Eat with Catwoman Teresa-Smart Kitchen 日式風格的可愛小店-聰哥食堂](https://hive.blog/hive-105017/@catwomanteresa/eat-with-catwoman-teresa-smart-kitchen) | 
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