ACCOUNTANT EXPLAINS: How I manage my money on payday: Income, Expenses & Savings
Summary
TLDR本视频介绍了一个三步方法来有效管理个人财务,让观者感到对每月收支有完全的控制。首先,确定税后月收入,并将其分为基本需求、生活乐趣和未来储蓄三个部分。接着,根据50/30/20规则分配收入,即50%用于基本需求,30%用于生活乐趣,20%用于未来储蓄。最后,通过月末反思,检查是否达到目标,调整预算以实现长期可持续的财务管理。视频还提供了一个免费的财务追踪模板供下载使用。
Takeaways
- 💼 管理财务是当今最重要的生活技能之一,无论你年收入多少,关键在于如何管理这些钱。
- 📈 真正的财务管理技能是最大限度地利用你拥有的钱,不仅为了投资和增加财富,还要在享受当下和规划未来之间找到完美平衡。
- 📚 管理财务的三步方法:定义目标、分配收入、反思调整。
- 💰 首先,确定每月实际到手的收入,包括所有税后收入来源。
- 🏦 如果你已经为工作场所的养老金做出贡献,应将这部分金额加回到总收入中。
- 💡 自雇或自由职业者需要考虑税收,确保定义目标时不会基于过高的收入数字。
- 🔍 定义三个“F”:基础(fundamental)、基金(fun)、未来(future you)三个预算桶。
- 💹 按照50/30/20规则分配收入:50%用于基本需求,30%用于享受生活,20%用于未来投资。
- 🏠 基本需求包括住房、交通、食物等,应尽可能自动化支付以减少管理负担。
- 🎉 享受生活的费用包括娱乐、外出就餐、旅行等,这些是可选的,但能增加生活乐趣。
- 🌐 未来投资包括紧急基金、储蓄和投资,建议设置自动转账到单独的储蓄账户。
- 🔄 每月结束时反思:检查账单是否及时支付,是否有超支或储蓄不足,并根据实际情况调整预算。
Q & A
为什么管理金钱是重要的生活技能?
-管理金钱是重要的生活技能,因为它能帮助我们控制和使用自己的资金,无论是年收入5万还是10万,关键在于如何有效管理这些资金。
视频中提到的三步管理金钱方法是什么?
-视频中提到的三步管理金钱方法是:第一步,确定你的收入;第二步,定义三个F(基本需求、生活乐趣、未来规划);第三步,进行反思和调整。
如何定义视频中提到的三个F?
-三个F指的是:基本需求(fundamental)- 生活必需品;生活乐趣(fun)- 非必需品,增加生活乐趣的开销;未来规划(future you)- 投资和储蓄,为未来生活做准备。
什么是50/30/20规则?
-50/30/20规则是一种流行的预算指导原则,建议将50%的净收入用于基本需求,30%用于生活乐趣,20%用于储蓄和投资。
为什么需要调整50/30/20规则的百分比?
-由于经济环境的变化,如通货膨胀、医疗成本上升、学生贷款债务和房地产市场波动,可能需要根据个人情况调整这些百分比,以适应自己的财务状况。
如何使用视频中提到的追踪模板?
-首先点击文件,然后选择“制作副本”,之后就可以将其复制并用于自己的财务规划。模板中包括了收入部分和支出概览,以及颜色编码的支出类别。
为什么说自动化支付有助于财务管理?
-自动化支付可以减少管理财务的摩擦,避免忘记支付账单,确保资金按时支付,从而让财务管理变得更加简单和高效。
如何确定自己的收入是否正确地分配到了三个F中?
-通过填写追踪模板中的相关部分,可以清晰地看到自己的实际支出与设定目标的对比,颜色的变化会直观地反映出是否超出或低于目标。
视频中提到的“反思”部分为什么重要?
-反思是管理金钱过程中至关重要的一步,它帮助我们评估自己的财务状况,识别问题所在,并根据实际情况调整预算,以实现长期的财务健康。
如何确保自己的储蓄和投资符合未来规划?
-可以通过设置自动转账到不同的储蓄账户,为每个大的储蓄目标设立单独的账户,这样既可以清晰地追踪进度,也能增加实现目标的动力。
视频中提到的模板在哪里可以下载?
-如果需要下载视频中提到的模板,可以在视频描述框中找到免费的下载链接。
Outlines
💼 理财管理的重要性与三步方法
视频开头强调了理财管理的重要性,认为这是一项关键的生活技能。无论年收入多少,关键在于如何管理这些收入。作者分享了自己过去五年尝试的不同理财策略,并介绍了一种三步方法来有效管理金钱,使收支一目了然。这种方法不仅适用于投资和财富增长,还能平衡即时生活和未来规划。作者还提供了一个免费的模板下载链接,帮助观众跟踪和管理自己的财务状况。
🏦 定义收入与理财目标
第二段详细说明了如何定义收入和理财目标。首先,需要计算税后实际收入,包括所有收入来源。如果是雇员,应将养老金扣除部分加回,因为这部分属于未来支出。如果是自雇或自由职业者,需要考虑税后收入。接着,作者介绍了如何将收入分配到三个不同的“桶”中:基础需求(fundamental bucket)、享受生活(fun bucket)和未来规划(future you bucket)。作者还提到了50/30/20规则,即50%的收入用于基础需求,30%用于享受生活,20%用于未来规划,并建议根据个人情况调整这些比例。
💡 反思与调整理财策略
最后一段强调了反思的重要性。作者建议在月底时回顾并评估自己的财务状况,检查账单是否及时支付,是否有逾期付款。如果某些类别的支出超出预期,需要找出原因并调整目标。作者还建议通过自动转账等方式自动储蓄,减少对意志力的依赖。此外,作者建议为每个储蓄目标设立单独的账户,以便更清晰地跟踪进度。最后,作者鼓励观众下载并使用他提供的模板,并在一个月后分享使用体验。
Mindmap
Keywords
💡理财
💡收入
💡支出
💡储蓄
💡投资
💡预算
💡自动转账
💡债务
💡反思
💡自动化
💡生活成本
Highlights
过去5年中,作者尝试了多种不同的策略来管理自己的金钱。
理解如何管理金钱和控制自己的资金是当今最重要的生活技能之一。
不论年收入多少,如何管理资金才是关键。
金钱管理的真正技巧是充分利用你拥有的资金,不仅仅是为了投资和增加财富,还要找到享受当下和规划未来的完美平衡。
如果找到一种既容易做又容易维持的方法,管理金钱就不再感觉像是一项繁重的工作。
作者介绍了一个三步法,有效管理资金,让你感觉完全控制每个月的收入和支出。
提供了一个免费的模板下载链接,帮助观众跟踪和管理自己的财务。
第一步是定义三个F:基本需求、乐趣和未来的储蓄。
首先需要弄清楚每月实际到手的收入,包括所有税后收入来源。
如果为工作场所养老金做出贡献,应将这部分金额加回到总收入中。
自雇或自由职业者需要考虑税收,确保目标设定在实际可达到的数字上。
介绍了50/30/20规则,即50%的收入用于基本需求,30%用于乐趣,20%用于未来储蓄。
根据个人情况,可能需要调整50/30/20规则的百分比。
基本需求包括住房、交通、食物等不可谈判的生活必需品。
乐趣类别包括订阅服务、娱乐、外出就餐等非必需品。
未来储蓄类别是关于优先支付自己,包括投资、紧急基金和储蓄基金。
建议为每个大的储蓄目标设置单独的账户,以便跟踪进度。
反思是管理财务中最重要的部分,包括检查是否按时支付账单,是否有逾期付款等。
如果支出或储蓄与目标不符,需要重新评估并找出原因。
作者鼓励观众在尝试模板一个月后回来分享他们的体验和感受。
Transcripts
over the last 5 years I have tried and tested so many different strategies to manage my money and
I've done that because understanding how to manage your money and be in control of your
money is one of the most important life skills we can learn today it doesn't matter if you're
making 50,000 or a 100,000 a year the number one thing that makes a difference is how you're able
to manage that money and the real skill of money management is about making the most of the money
that you have not just for investing and for growing wealth but instead to find the perfect
balance between living in the moment and planning for the future when you find something that a
is easy to do and B it's easy to maintain then managing your money stops feeling like a chore
so in this video I wanted to talk you through my three-step method for effectively managing your
money in a way that makes you feel in complete control of what is coming in and out of your
account every month I'll also give you some of my favorite tips along the way if you want to
use the same template that I have created then in the description box you can find completely
for free the link to to download and use this to incorporate for your own finances as well
okay so this is what the tracker looks like it's got the colorcoded spending categories the income
section at the top and then the overview on this table over here so these sales will change color
as you start filling in the sheet you'll see in just a moment you just have to click file make
a copy and then you can duplicate it and use it for yourself now step one is to define the three
fword wait for it a key part of being in control of your money is defining where you want to but
before we even do that you need to First figure out exactly how much money you're bringing home
each month so this is the amount that lands in your bank account after tax if you have multiple
income sources you want to include all of them in here your 9 to-5 day job your weekend gig your
freelancing work that you do on the side maybe some Investments that are paying off whatever
these numbers are you want to put them in the top left blue section over here for example if
I'm making 3,000 a month after taxes for my day job I'll put that here another 200 a month let's
say from my creative side hustle and 500 a month from freelancing so you just plug in those numbers
at the top now if you're employed the number is pretty straightforward it's the amount that
lands into your bank account each month after tax and other state contributions have already
been deducted so in this case that's a 3,000 a month but if you already contribute towards your
workplace pension you actually want to add that number back in So if you contribute say 200 a
month towards your pension add that 200 back into this and so that number would instead be 3,200
the reason for this is because the amount that you're putting towards your pension contribution
actually goes towards the future U category which will come to in a second now if you're
self-employed or you're a freelancer you need to take into account taxes the last thing you
want to do is assume you have all this money coming in and Define your goals on a higher
number than you should and then be disappointed when you don't hit your goals so in this case
the 200 from my side hustle and the 500 from my freelancing work that is after tax once you put
those numbers in your total income is calculated now that we've done that we can Define the three
FS the fundamental bucket the fund bucket and the future you bucket you want to decide how much of
your net income so the 3,700 in this case you want to put towards each of these buckets the
funds allocated to the fundamental bucket are dedicated to your essential needs these are the
non-negotiables of Life housing Transportation food money placed in the fund bucket those are
the costs that enrich your life with joy with experiences and then lastly everything you put
into the future you bucket that is an investment towards the life you envision years down the road
in the world of budgeting there is a popular guideline that you may have heard of called
the 50320 rule it suggests that 50% of your net income should go towards the fundamental
needs 30% should go towards the fund bucket and 20% should go towards the future U so those are
the percentages that I'm going to put into this column right here so 50% towards fundamentals
30% towards fun and and 20% towards future me and what you'll see as we start filling in the
sheet and putting your numbers and your actual spending in is that the colors of these sales
will change depending on whether or not you're in line with your goals or if you're overspending
or under saving I do want to make a quick Point here actually about the 50 3020 guideline it was
introduced in 2005 in the book all your worth the ultimate lifetime money plan and so it was during
a different economic landscape over the years we have seen inflation Rising healthcare costs
inreased student loan debt fluctuating housing markets all of these factors have really impacted
people's disposable income and the proportion of their income that goes towards their fundamental
needs so you may want to modify these percentages and tweak them based on your unique circumstances
you want to start filling in the three colorcoded columns in the middle so the fundamentals the fun
stuff and the future you the fundamentals like we said are the non-negotiables they are the
fundamental things for your day-to-day living so this includes things like housing your rent
or your mortgage payments includes utilities and other bills so we're talking about um water
gas electricity it includes Transportation so your car payment train tickets to get to
work or any other mode of Transport that you pay for groceries would also go into here Insurance
minimum debt payments for your debt o ations and you want to find what you spend on each of these
by looking through your bank statements so your debit card statement your credit card statement
or any apps that you use it may be that your app automatically categorizes your spending for you
so maybe all your utilities come into one so you can put that one number as a total let's
say 200 into this cell over here or you can split it up so break it down by water gas electricity it
depends on how detailed you want this to be when it comes towards spending towards your needs you
want to as much as possible have this automated have direct debit set up so that everything is
getting paid automatically the more friction you can take out of anything the more likely you're
able to keep that thing up the last thing you want is to receive constant monthly reminders
to pay your bills and then you need to remember your password log into your system enter your bank
details manually transfer each month it's just not fun and these kind of things make managing your
money a chore it creates unnecessary friction so once you go through and enter all these numbers so
let's say 1,200 for mortgage 100 for utility 30 for phone and you keep filling in these numbers
you can then check the table on the right and that will immediately show how you are doing in
relation to your goals so I had to set a Target here of 50% of my net income to spend towards the
fundamentals but this sale here has turned red so I'm clearly exceeding that threshold so then you
need to reassess that goal and that something will come to in step three and this column by the way
at the end it shows the actual amount that you're spending in the currency that you're spending in
this way you have a clear idea of both the portion of your income that you're spending in terms of
percentages towards each of these categories but also the exact amount you're spending as
well then we have the middle column and that is the fun stuff now you want to be really clear
with yourself here you want to clarify these categories from the outset you really don't
want your fun stuff creeping into your needs just to justify some spending so the fun bucket is all
the things that are not essential these are the things that at the core are completely optional
so examples of what can fall into the fun category include subscriptions like Netflix Spotify Amazon
Prime entertainment so things like going out to the movies eating out getting that round
of drinks self-care so things like your nails facial haircuts and traveling these are all
examples of what falls into the fun category the fun bucket also includes those upgrade
decisions that you make so if you're buying a Mercedes instead of buying a more economical
Toyota or if you're shopping at Marks and Spencers instead of Tesla goes or getting a gym membership
instead of working out at home those are all upgrades they're little extras that you spend
money on that makes life more enjoyable and more entertaining so you can see a few more examples
that I've put in there and again you could split it out so I've got clothing as spending 200 100
in that category you could split that out and make it as detailed as you want you could have
a line by line jumper trousers or whatever you've bought in the clothing section everything could
go into here once you fill in all the categories for your wants as I've done here the table on the
right again will signal whether you're on track or whether you need to cut back once again in
this case I'm spending 25% of my net income on my wats so the sale hasn't flagged up I've got
some leeway I've got some room to spend more if I want and then the third column is the future
UB bucket and this is all about paying yourself first there are a few ways you can do this but I
always recommend setting up automatic transfers from your bank account that you get paid into
into a separate savings account as soon as you get paid again when you create a system that works for
you you remove the need for willpower you remove any friction and there's no excuse not to save you
don't get to the end of the month and realize you don't have enough money to be able to save
like you said you would at the start of the month all of that push and pull just disappears in this
category you can include things like investing in stocks and shares topping up your emergency
fund and putting money towards your savings funds if you're not sure where you should start and in
which order you should put money towards I have a video right here that explains step by step
where you should be putting your money and in what order when it comes to your savings fund
I would also recommend having a separate account for each of your bigger saving goals so if you're
saving for a house have a house fund if you're saving for a car have a car fund have them all
with specific purposes that way you're keeping them separate and you could easily just log into
your account and check what the balance is and how far off or close you are to that goal it's
a lot more motivating than having it all in one as just a savings pop so there a sale right here
for the future U category that works in reverse if you're contributing less than the amount you
initially planned for the future you the savings and investment bucket then the sale will turn red
indicating that you're not saving enough and then we're on to step three and that is the reflections
arguably the most important part there's no point in coming up with all these goals and all these
of questions you can consider and ask yourself is have you paid all your bills on time are there any
late payments if so why can you set that up to be automatic are any of the sales read meaning either
you spent more than you should or you saved less than you should if that's the case why did that
happen what did you spend on if it's that you're spending too much in the fun bucket then are
there ways to get the same thing for less or is it that you simply need to reassess and cut some of
those things out or maybe you spent less than you thought you would in your fun bucket in which case
you can increase maybe your savings an investment section you could pay more towards yourself and
pay off your debt faster it might be that this is the first month that you're tracking your spending
in which case these percentages might need some tweaking to make it something that is more
sustainable over the long run instead of just like plugging the numbers and closing it and getting on
with your life reflect at the end of the month and see where you can improve your finances once again
if you do want to download and use the same one that I have it's linked completely for free in the
description box below if you do use it this month come back and tell me how you get on I'd love to
see what what you thought and how it helped thank you for watching and see you next week
Ver Más Videos Relacionados
5.0 / 5 (0 votes)