---

如果，我問你

 

每月吃飯花了多少錢？

緊急備用金可以用多久？

 

你可以隨口馬上回答嗎？

（完全不用思考的喔，很直覺的反應！）

 

跟你說個秘密～

 

當你開始有現金流的概念，代表你的理財規劃越來越具體，達到 FIRE 的目標 也越來越近，不是只有空想而已。

 

今天的文章跟你分享，如何一步一步建立起正確的現金流觀念吧！

 

首先，我們先來了解 . . .

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---

什麼是現金流？

 

 

 

現金流簡單的說，在固定的時間內，持續有現金流入和流出的狀態。

 

假設，這個月你的薪水是 3 萬元，就是這個月有 3 萬元的現金流入。

 

這個月要繳房租 1 萬元，就是這個月你有 1 萬元的現金會流出。

 

這個月吃飯花了 8 千元，就是這個月你有 8 千元的現金流出。

 

用圖像表示的話，會像這樣～

 

 

 

補充一個小觀念給你

 

你知道，

什麼是自由現金流 嗎？

 

簡單的說，

就是在一個固定時間內，

「流入現金流 – 流出現金流 = 自由現金流」

 

以剛剛上面的例子

30000（每月薪水）- 10000（每月房租）- 8000（每月三餐）= 12000

 

12000 元就是每月你的自由現金流。也就是每個月你有 1 萬 2 可以自由運用。

 

當自由現金流越高，也代表你的財務越來越自由了喔

 

 

 

在這，我們稍微休息一下～

 

幫你整理 2 個重點先。

 

 

POINT 1  正（向）現金流

 

若你每月流入的現金流 > 每月流出的現金流，

 

代表你的每月現金流是正的，就是正（向）現金流。

 

 

 

 

POINT 2  負（向）現金流

 

若你每月流入的現金流 < 每月流出的現金流，

 

就代表你每月的現金流是負的，就是負（向）現金流。

 

 

 

所以，當你每月的現金流是持續正向，並且自由現金流越來越多。

 

恭喜你，你正往 FIRE 財務自由 的路上，一步步邁進了！

 

 

 

 

---

怎麼運用現金流改善財務狀況

 

 

 

首先，你得先搞清楚，

 

目前自己的現金流，處於哪個階段呢？

 

1. 負現金流
2. 打平現金流
3. 正現金流

 

 

以下的試算表，你可以為自己試算看看，目前現金流的狀況如何？

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如何呢，

你對算出來的結果，滿意嗎？

 

 

YES 

 

 

OR

 

 

NO

 

 

如果不滿意，別灰心啦 ～

 

想想看，該怎麼改善好呢？

 

 

shumeng 剛開始現金流狀況也不是很好，現都一步一步走過來了。

 

一路從 負現金流 >> 打平現金流 >> 正現金流

 

慢慢做改善，每天進步一點點。當你可以很清楚知道，每月的現金流流向，你才算是真正有在理財喔～

 

>> 免費現金流練習圖下載

 

 

 

 

---

 

＂窮人和富人的差距，

在於現金流的掌握度 ＂

 

---

 

 

 

 

只要你越來越關心錢的流向，錢自然而然也會向你越來越靠近。

 

同樣你愛錢，錢也會愛你 ❤️

 

 

 

>> 延伸閱讀

錢是什麼？到底怎麼賺更多的錢？

 

 

 

 

 

---

怎麼讓現金流更加順暢

 

 

 

問問自己，

你的現金流順暢嗎？

 

還是，會卡卡的 ><” 

 

常常忘了繳手機費？

有時，還會錯過繳卡費時間？

 

不知以上的症頭，你有嗎？

 

 

想想看 . . .

該怎麼樣，才能讓自己現金流更加順暢呢？

 

 

想到了沒 . . . ？

 

 

其實，實踐下來發現，運用同一家銀行做現金流管理，可以解決這個問題喔～

 

假設，你的薪轉戶是聯邦銀行，那盡可能讓所有的流出現金流，固定從薪轉戶流出。然後，預先幫自己建立好現金流系統。

 

 

 

 

這樣做，會有什麼好處呢？

 

 

1. 累積繳款信用

你不會因為忘了繳電費、忘了繳卡費、忘了繳手機費 . . . 不知不覺中破壞了自己的繳款信用，未來若真想貸款，你的信用也會相對值錢，貸款下來也會容易許多。

 

 

2. 節省時間

現代人生活實在太忙碌了，連求生存都不大容易了，常常忙到忘東忘西的。所以，盡可能把固定要做的事自動化，讓多出來的時間可以來思考未來，或是跟愛的人好好相處。

 

 

3. 節省手續費

在 7 – 11 ATM 轉帳真的很方便，但每轉一次，只要是不同收款銀行，就要被扣一次跨行手續費 15 元，

 

可怕的是，不知不覺中，你知道有多少錢，偷偷從指縫溜走了嗎 . . .？

 

 

#實際算給你看看

 

假設，把每月固定要繳的費用，像是水電、瓦斯、手機費. . .

 

改用同一家銀行信用卡扣款，

 

這樣，一年下來，可以省下多少手續費呢？

 

 

哇，光這 5 項固定花費，還不包括其他的，1 年下來就可以省下 630元呢！

 

別小看 630 元，看起感覺起來不多，但小小的錢卻可以幫助需要幫助的人。

 

 

你相信嗎？

在台灣，還有人連三餐都有問題，與其把 手續費白白讓銀行賺走，不如拿來幫助他們。

 

時時心存善念，你的未來也會越來越好喔～

 

 

 

 

 

---

怎麼運用現金流達到財務自由

 

 

假設，你初步的財務自由目標，每月 1 萬元的現金流。

 

那，你可以思考

 

該怎麼創造出，這 1 萬元的現金流呢？

 

是透過主動收入？

 

還是被動收入呢？

 

像這樣一步步有計劃性的思考，你的財務計畫才能更具體，你也才會知道要用什麼方式，創造出最適合自己的現金流。

 

 

對了，如果說，你也想要具備「獨立思考」的能力，歡迎你訂閱 shumeng FIRE 寫作訂閱。

 

我可以親自帶領你喔，透過寫作好好跟自己溝通，一點一點探索自己內心的想法，慢慢培養你獨立思考的能力，一步步實踐你的 FIRE 計畫。

 

有心實踐 FIRE 的你，點擊報名吧👇👇

 

 

▶️ 延伸閱讀

透過網路自媒體寫作跟自我溝通，一步步探索自我，實踐你的 FIRE 運動

 

 

 

最後，設計出可以幫助你思考的現金流練習圖，歡迎你免費下載，開始為自己一步步建構正現金流吧！

 

 

 

 

嘿，你喜歡今天的內容嗎？有幫助到你嗎？

 

在使用「你的現金流練習圖」，有什麼不清楚的，或是有什麼建議，不管好的與壞的，我都虛心接受，也邀請你加入專屬 臉書私密社團 一起做討論、一起往 FIRE 邁進吧！

 

記得，你是你自己生命的主人

 

 

 

 

 

 

< 本網站資訊是 shumeng 經驗分享，並非投資建議，請獨立思考為自己的錢負責 >

---

 

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• 運用「FIRE3帳戶理財法」一步步實踐你的FIRE目標！(免費下載你的FIRE3帳戶理財法

 

 

『免費支持』請幫 shumeng 拍手 5 下，有機會得到內容創造的酬勞，分享更多提早達到 FIRE 的方法給你 ❤️

原文連結台灣FIRE運動 GO.