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油價高漲,學作省錢達人

2007-10-14 15:58迴響:8點閱:3799

 (本文刊登今日聯合報A19版「民意論壇」)

科羅莎風雖然遠颺,菜價卻開始大漲,漲到離譜的高還不說,甚至還缺貨、搶貨。教人搖頭不已。

政府自然要把農產運銷調配做好,但民眾也要練就一套自求多福的本領吧。

這些日子以來,不只是菜價,由於石油價格高漲不下,交通、水電、麵包、奶油、牛奶、衛生紙、蔬果、蛋餅、養樂多…價格全都急起直追,只有薪水不漲,真是教人不知如何是好。

在M型社會裡,有錢人對民生用品漲幅無關痛癢,M型另一端,許多人正過著叫苦連天的生活。每日需食「人間煙火」的主婦們最清楚,買同樣的物品,結帳起來卻多了一兩成,荷包日日縮水,只有薪水不漲!

面對現實吧!全世界石油能源必定是越開採越稀少,未來物價只會漲、不會跌,及早當個省錢達人,讓全家人的快樂不因物質享受而減量。

先講菜價,嘴刁的民眾買菜講究特定菜色,其實許多營養師都勸告:貴的菜不一定營養成分就比較高,而且幾乎都有替代的食材。那又何必搶著颱風過後當冤大頭呢?

我買菜通常先問菜販:「今天買什麼菜最划算?」所以總是可以買到適合的菜。營養師常說,三兩天營養不均衡,差不到哪裡去的。

   

生活方面,我們出國旅行時,帶兩個箱子不就過了幾個禮拜?其他沒帶出去的衣物,顯然可有可無?

再問,萬一遇到火災或風災,需要緊急撤出,真正必帶的珍貴細軟只有幾件?

可見,人的一生,生不帶來、死不帶去,有很多人買了許多不必要的東西堆積家裡,如今,要不是百物上漲,我們還不知道自己平常過著多麼奢侈的生活呢。

 

衣服少買點,皮包能用就好,家具少一點家裡還比較清爽呢。例如,衣櫃裡現成的衣服可以改造、搭配,反而更有「型」(獨一無二呢);此外,少吃館子、大餐,免得「腦滿腸肥」,有機會吃喜酒或大餐時,要記得把沒動到的菜,一一打包回家,加料處理。

 

出門多乘公車、捷運,代替騎機車、開汽車。既省汽油、兼做環保,大眾運輸系統上還有充足的冷氣可以享受呢;上班多和朋友約定共乘,可以增加彼此的話題和感情。

最好是早一點出門,安步當車、或騎腳踏車上班,一舉享受運動、養生、減肥的效果與樂趣,一路上,清風拂面、思想沉澱、人生大好,何樂不為? 

 

聖經上保羅有句名言:「我知道怎樣處豐富 ,也知道怎樣處卑賤;或飽足、或飢餓,或有餘、或缺乏,隨事隨在,我都得了秘訣。」

當漲價不影響我們的心情,快樂依然常伴左右,生命的寬度就出來了。

讓我們一起來做省錢達人、少耗費一些地球資源,彼此貢獻些簡樸生活心得如何?

 

 

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引用:http://blog.chinatimes.com/1234lyl/archive/2007/10/14/206859.html
2007-10-14 15:58作者:林意玲分類:焦點話題迴響:8點閱:3799

迴響與引用列表

回應: 油價高漲,學作省錢達人

大家少開車,多慢跑,跑多了,身體自然強壯。如果全世界都追隨阿扁慢跑入聯,石油需求、油價與二氧化碳排放量一定會大幅滑落。 明年此時阿扁不但會得諾貝爾和平獎 而且會被選為聯合國秘書長。這就是阿扁慢跑入聯的用意。

2007-10-26 18:14 James

回應: 油價高漲,學作省錢達人

經濟條件差的人這樣想,心情倒也比怨天尤人來的好。有錢的人倒是一樣可以過奢華的生活,反正他們也不受影響。人比人氣死人。只要是不到「沒飯吃」的地步大家也是嘞緊褲腰帶過生活─還沒到革命的地步。

2007-10-16 15:56

回應: 油價高漲,學作省錢達人

謝謝各位提供財政與經濟許多廣闊的理解,直指問題的核心。

的確有一個argument,那就是:
1.全球金融與產業的變化,有跡可循嗎?總經濟面的問題,是哪些因素(油國?大國?)、又是哪些人(美國聯準會主席Ben Bernanke?)在操作?
2.各式各類所謂的財務專家,又能指導(或幫助)大家到什麼程度?當意見南轅北轍時,該聽誰的?
3.面對無財(capital)、無力(power&wisdom)的散戶,又有誰能救他們?

文章是寫給小市民看的,只能教大家自求多福、苦中作樂。
格主無能,我知道這種表達關懷的方式還是太學院派,沒有顧及連報紙也不看的邊緣族群,...
他們其實是用宿命觀,與口耳相傳的消費經濟來過日子的。

2007-10-15 08:54 格主

回應: 油價高漲,學作省錢達人

If I had enough money for planning my
retirement now I would buy 5 shares of
*BRK-A 127,100.00 1,600.00 1.27%* and
500 shares of *GOOG 637.39 15.39 2.47%* with 20% buying a small condominium by
cash. That would provide me with safe
living for another 10 years. I figure
Bob would reject this financial planning
on account of risk factors too high.
Yet considering present CD rates, even
if I had couple of M's I would not make
she and I live comfortably for the rest
of our lives. That is why we still have to work hard from hand to
mouth. That is real thrift life of ours.

2007-10-15 08:44 fair

回應: 油價高漲,學作省錢達人



High returns and high risks go together.
One may win 30% today but may lose 30% tomorrow as well.

The following 2 mutual funds may excite some aggressive investors:

Greater China Fund (GCH):
52-week return 100%

Morg Stan China A (CAF):
52-week return 231%

But both of these mutual funds lost about 20% in the last week. (Note: I am not a stock broker and do not intend to encourage anyone to buy these mutual funds.)

Some hedge fund managers could not predict the market well and lost billions of dollars in the recent sub-prime crisis not long ago.

A person needs to maintain enough money for the family and children to have foods on the table, attend colleges and universities, and have adequate retirement saving before engaging in aggressive stock market investing.

Inflation affects people differently. If a house (or an apartment unit) has a fixed mortgage rate, then the housing component of the CPI (consumer price index) does not matter to that person. If a person drives more than 100 miles to and from work, the gasoline price affects that person a lot. If a person is on diet and watch weight every day, food prices would not affect that person too much.

External factors such as crude oil prices are out of our control. Rapid increases in crude oil prices affect shipping and transport costs and push many product prices upward.

As I recall, in the early 1980s, the gold price was pretty high as well. Gold prices are affected by international events. The military attack of a potential Syrian nuclear facility by the Israeli air force may push up the gold price Monday. Given international tensions we are facing, the high gold price would linger for a while.


















2007-10-15 04:38 Blue

回應: 油價高漲,學作省錢達人

Remember? In the late 1990s when Dow,S&P and Nasdaq reaching all time high,a lot of financial "experts" and "ANAL-ysts" told us that inflation is dead and gold,as an inflation hedge, is dead as a result. They claimed that inflation will no longer be an issue because more and more innovative technologies will lead to higher and higher productivity which will maintain the consumers price low and benefit all of us.

Now inflation has become a serious issue and the price of gold is almost at all time high.
Do you still see them to be bullshitting that?
Is inflation dead?
Is gold dead?
Where are these fucking "experts" and "ANAL-ysts"?
Are they still preaching and bullshitting?

I understand that "a penny saved is a penny earned." I don't intend to challenge that but I have to say saving is far too passive! You need to be aggressive and figure out how to win in an inflationary world.

2007-10-15 03:48 disgruntled

回應: 油價高漲,學作省錢達人

I am glad to read this practical
article in our daily life. Sentimental
topic like romance love sex can not
help us escape from inflation
of daily necessity like rice fuel
cooking oil and salt.
Budgetting what we earn and use it
to the full advantage of its money
value.
Always save some money for emergency
and prepare yourself for the worst.
Do not buy things on installment plan
if you can't afford one like recent
bubble of zero down mortgage plan.
The recent foreclosure in Merced county
has doubled in percentage and it told us
we can not overspend what we earn.

2007-10-14 23:11 fair

回應: 油價高漲,學作省錢達人


Next time, it would help to buy enough vegetables and other foods and wrap them up very well for one week before a typhoon comes. Using canned foods, frozen foods, and less expensive items would save some budget. Some grocery stores had big sales after certain hours. After-season clothes sales may have discounts up to 75%. Combining several trips into one big trip would save gas.

In New York City, 99% of the residents take the subway without driving own cars. Actually, using Taipei's RTS would have more time to read and think about other things.

Some can turn $30,000 into $40,000 in purchasing power whereas a few spend away $30,000 like $20,000.



2007-10-14 22:37 Blue

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