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一个简单的家庭预算方法 - 50/30/20规则

一个简单的做家庭财务预算的方法—50/30/20规则

我们都知道要实现财务自由，首先都是要做预算，然后根据预算来花钱和存钱。下面介绍一个比较简单实用的做预算的方法。当然做预算的方法很多种，这是一种比较简单直接的方法，因为通常简单方法才能够立即使用起来，帮助我们解决问题。

这个方法叫50/30/20 规则，它建议你将收入分成三份：

  • 第一份，收入的50% 用于满足你的刚性需求，比如房贷或房租、食品、交通、水电费、子女教育等等没有弹性的支出。
  • 第二份，收入的30% 用于满足你“想要的东西”：这个部分就是包括我们日常的娱乐、爱好、外出就餐和旅行等非必需品上的支出。虽然这部分支出属于有弹性的支出，但是它同样是重要的是不能省略的开支，因为这部分支出为我们的生活增添了乐趣和意义，不至于让苦哈哈的生活无以为继。
  • 第三份，收入的20% 用于储蓄：这个储蓄部分建议自己强制执行，每月发了薪水就先划拨入存款户口，剩下的收入再进行消费。

收入分成了3个部分，建议你同时分立三个银行户口来处理这3个部分的支出。因为现在到处都是无现金化的消费，如果没有预算，不分开银行账户，收入在手中很容易像沙漏一样，无声无息消失无踪。

当然每个人收入和花费不一样，你可以根据自己的情况适当的调整这个预算比例，但还是那句话，预算一定要有。

Important: The information and opinions in this article are for general information purposes only. They should not be relied on as professional financial advice. Readers should seek independent financial advice that is customised to their specific financial objectives, situations & needs. This advertisement or publication has not been reviewed by the Monetary Authority of Singapore.

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马静 Jasmine

Hi， I’m Jasmine.

After 20 years of living in London, I chose Singapore, this vibrant city, to settle down and be an independent financial consultant.

Effective financial planning is the way towards financial freedom and ultimately towards the freedom of time in your life.

I’m looking forward to getting to know you personally and strive towards helping you planning your financial needs to grow your wealth portfolio and achieve financial freedom.

您好！我是马静

在伦敦生活20年之后，选择了定居新加坡，转行成为一名独立理财顾问。虽然自己以前也从事金融行业，自诩对金融业不陌生，但转行之后才惊觉理财是一门单独的学问。

理财是一种生活理念和生活方式的选择，通过合理的投资理财规划，可以帮助我们实现财富增值、财务自由。

我坚信：财务自由，则可以时间自由；时间自由，则心灵自由；心之自由，才是生命之大自由。

请让我陪伴您这一段意义非凡的通往财富自由之路的旅程！

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In compliance with the Personal Data Protection Act, Financial Alliance Pte Ltd (“FAPL”) seek your consent to collect and use your personal data (e.g. name, NRIC, contact numbers, mailing addresses, email addresses and photograph) for the purposes of and in accordance with FAPL’s Data Protection Policy, which can be found on FAPL’s website at https://fa.com.sg/data-protection-policy/.

根据《个人数据保护法》，鑫盟理财私人有限公司征求您的同意向您收集并使用您的个人信息。鑫盟理财将根据公司的个人数据保护政策所阐述的用途使用您的个人资料（例如姓名，证件号码，联系电话，邮寄地址，电邮地址和照片）。 该政策可在本公司网站上查寻，网址为 https://fa.com.sg/data-protection-policy/.

By submitting this form, you are deemed to have read and understood FAPL’s Personal Data Policy.

提交此表格，即表示您已阅读并理解鑫盟理财私人有限公司的个人数据政策