有车有屋，不一定有钱

value_investor

Publish date: Sun, 11 Mar 2012, 09:44 AM

Published Date: 2000-12-15

错误的第一步：车子就是身份的象征

年青人踏入社会后的第一件事，就是存钱买车。现在市场上最便宜的汽车都要三万元，就算用分期付款买进，头期都要六千元，余款分七年供，每个月还要四百元。在加上汽油，过路费，泊车费等等，每个月单单养车都要七百元以上。有了车后节目就多，花钱的机会就多，想存钱就难上加难。虚荣心告诉我们，车子就是身份的象征，能够换新车就代表我们有本领，事业有成。所以旧车未供完就想换新车，结果是个永远供不完的车。

错误的第二步：装修自己的屋子

居者有其屋，每个人都应该有自己的屋子，有机会买屋子没有理由是错误的决定。而且屋价年年上升，早买肯定比迟买好，这是不用争辩的事情。但是这其中却大有文章，如果处理不当，可能致富无望。

在还没有自己屋子之前，租房子的人都有相同的想法，那就是一切从简。家私不用太好，能用就可以。电视不用太大，能看就可以。装修不用谈，房子不是自己的。东西不用买太多，省得将来搬屋子的辛苦。样样都从简，就可省大钱。

买了新房子，样样都讲究，装修贵一点不要紧，要住一辈子。家私不能够随便，朋友看了没面子。冷气机，电视机，冰箱等等都得齐，这样才能算住自己的家。样样都要钱，幸亏贷款容易，可以先用未来钱。

有了自己的家，供车供屋都来不及了，怎样再存钱？没有存钱怎样作投资，没有投资怎样发达。这就是买车买屋后的危险。

Discussions

5 people like this. Showing 9 of 14 comments

omgimnoob

Wahh...damn right! The selfish side of me told me dont share out for others. But I will quietly post in facebook to inform closest friends.

2012-03-11 11:32

CP TEH

Hi kian Wei

I can't read Chinese. But I google translate it. Good one. I was 10 years late. I was one of those ignorants. But I work doubly hard to compensate my lost years. I will hope to see results in another 5 years time as I have only started to learn about personal financial and investment about 5 years ago.

Where can I get these articles or book?

Thanks again

TEH

2012-09-04 14:30

shipcapt

i fully agreed. when got car and house...then how to save money for investment...Inflation is going up and up but government said it is ok.... :-(

2012-09-04 14:34

kkbee

very good one, fully agreed. Probably some hardcore property fan will disagree and tell u your house is the best investment as it will sure appreciate, investing in stock is exposed to down side risk, and there is no leveraging effect, blah blah blah

2012-09-04 14:48

CP TEH

If I read it correctly, it said consider house first, car is just a necessity ... So buy not because of status, but because we need it. I could only hope my proton basic could last me another 5years or more as ... Err ... Proton cars won't last? Low quality? But it is still the cheapest I could afford.

Wish I could think it this way 10years ago. To the youngsters, do think about it before buying a car or change a new car?

TEH

2012-09-04 14:53

chongyong11

CP Teh, It said do investment first before you buy house or car.

2012-09-04 14:57

chongyong11

Tan Kian Wei, Thank you for sharing. I agreed cold eye is good. I think you may interest in 谢国忠，曹仁超 blog too.

2012-09-04 15:28

chongyong11

http://www.finance2012.info/

2012-09-04 16:15

jocoolsebastianrocks

Not neccesarily. Robert T.Kiyosaki told us that not all properties are assets. Only the properties which can bring in +ve cash flow are assets i.e. house/apartment/shop/land for rent/trade. & it'd be best if one has both assets in share & properties to diversify risks & increase +ve cash flow. Just my opinion.

2012-09-04 17:14

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