记载过的Problem solver讲座后,对waterloo concept产生了小迷妹憧憬,以后可能还有讲座笔记.
这次是个人理财.
图书推荐,关于behavioural finance:Psychology of money
Financial tips I wish I knew early in life :-)
- Know how credit card works
- Open an TFSA(Tax-Free Savings Account)
- Start to invest early
- Don’t having your money all in chequing account
Emergency fund:比如说三个月的生活费.
Employer matching:
Employer matching of your 401(k) contributions means that your employer contributes a certain amount to your retirement savings plan based on the amount of your annual contribution.
Compensation(赔偿) package:
Summaries of the methods employers use to pay their employees and the amounts they provide.
插入吐槽之:
聊到Financial goals的时候,大部分人都说买车买房,少数有travel的愿望,再再少数还有位说child education, tuition fee(further education), early retirement,最后是financial freedom.
感叹买车买房算人生共有的一个boss关卡.
how to budget
讲座小姐姐用的记账appmint.
我曾用过一个～纸片人老婆和你一起记账～的app,还挺好玩的说实话.
Fixed Expenses
The bills you must pay each month(whether you like it or not).Meaningful Savings
$ that is aside to improve your net worth by increasing savings or decreasing debt.Short-term Savings
The emergency stash.Spending Money
The left over!
how much to save
How much should I save?
Any amount! Start small if it helps you start sooner.
Should I save in cash?
Your emergency fund should be in cash or if you need to make a large purchase in under 3 years.
Where should I invest long term savings?
In tax advantaged accounts like TFSAs or RRSPs.
关于每个月应该拿出多少收入来存款.小姐姐讲她自己是把收入的10%作为存款.
通行的小哥补充说有一个rule叫做30/30/40.
40% for statistic expense, 30% for flexible and personal spending, 30% for saving, but also depending on your situation.
where to invest
真是让人有动力的对比图呢.
在加拿大常见投资账号:
