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為什麼現金流如此重要?3分鐘搞清楚現金流是什麼 | 靠薪金創造現金流的後果 by littleksroad

View this thread on steempeak.com
· @littleksroad · (edited)
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為什麼現金流如此重要?3分鐘搞清楚現金流是什麼 | 靠薪金創造現金流的後果
什麼是現金流?
 

現金流是指在一定時間內,現金及現金等價物的流入(收入)減去流出(支出)的餘額,最後得出的凈收入或凈支出。



![benjamin-voros-hfueW9tLWtc-unsplash.jpg](https://cdn.steemitimages.com/DQmXqVrgbyuEiRGiG1DB1WX9NXQ9acg2Y4kDcmt23qHbvC4/benjamin-voros-hfueW9tLWtc-unsplash.jpg)

現金流為何如此重要?
 

近年來,越來越多人開始著重個人理財(即是個人財務管理),而現金流則是個人理財當中一個非常重要的板塊,它對我們每一個人來説都是同樣重要,可以讓你能更全面掌握自己的財務狀況,然後找出自己的目標,現金流就好像我們人體裡的血液,氣血足才能百病不侵,人體才會健康;相反,血不足則瘦,有機會百病纏身。

 

個人現金流
 

要達成理財目標,我們首先需要弄清楚究竟自己每個月有多少收入和支出,正常來說我們每個月的現金流入有哪些呢?薪金、利息、租金、兼職等等;而支出一般類型會比較廣,衣食住行基本上是必須的,再加上部分人需要償還銀行貸款的本金及利息,這些都屬於支出。

 

以個人日常生活中的情況而言,比如,本月取得工資收入$10000,衣食住行支出用了$5000,償還銀行貸款的本金及利息用了$3000,這樣,到月底,凈現金流量就等於$10000-$5000-$3000=+$2000,本月現金流就是+$2000。



靠薪金創造現金流?
 

大部分人都是依靠著工作來維持生活,父母從小就教導我們要努力讀書,考入大學(入到名牌最好,如果唔係有張入場券都好),將來就可以找到一份理想的工作!不過,現實是殘酷的,理想與現實有一段很大距離,首先,理想的工作的定義非常空泛,要高人工?做得開心?唔洗OT?好難定義,人人都不同,而且,單靠著薪金創造現金流遠遠是不會足夠的,這是雞蛋放在同一個籃子的做法,最簡單一個例子,這次的疫情影響到各行各業,很多人被逼放無薪假,甚至乎被炒魷魚,這亦是無可奈何的事情,但是,如果我們把雞蛋放在同一個籃子裡面的話,意味著我們的唯一收入(薪金)沒有了,以上述例子來說,原本我們每月的現金流還是+$2000,突然間因為薪金沒有了,這樣,現金流的公式就只能夠重新定義:-$5000+-$3000=-$8000,這就是靠薪金創造現金流的結果,應該說是靠薪金創造負現金流XD。



閱讀更多:https://littleksroad.com/littlek/1064

https://youtu.be/UbcrZjVpsCI
👍  , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , and 15 others
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vote details (79)
@cheetah ·
Hi! Did you know that steemit.com is now censoring users and posts based on their opinions?
 All the posts of these users are gone!
https://github.com/steemit/condenser/commit/3394af78127bdd8d037c2d49983b7b9491397296 

 Here's a list of some banned users:
```'roelandp', 'blocktrades', 'anyx', 'ausbitbank', 'gtg', 'themarkymark', 'lukestokes.mhth', 'netuoso', 'innerhive'```
See anyone you recognize? There could be more, they also have a remote IP ban list.

Will you be censored next?
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@wilhb81 ·
听起来,靠薪金来创造财富是没希望了,拍拍~
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@littleksroad ·
哈哈,謝謝小智!
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@abcallen ·
理财高手小KKKKKKKKK。。。。

拍拍拍
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@littleksroad ·
不敢當XD,不過感謝阿蘭支持!
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