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Posted by 못된준코 Posted in " 주부를 위한 재테크[연재] "   2010.07.06 07:00

[연재] 주부 재테크! 주부가 부자 되려면 꼭 알아야 할 3가지는??

이러니 저러니 해도...돈 걱정을 가장 많이 하는 분들은 주부들일겁니다.
빠듯한 살림살이에 돈 좀 만들어 보겠다고 펀드니 부동산이니...
투자했다가 쫄딱 까먹은 경험을 해본 주부님들도 있을거구...재테크 좀 해보겠다고....말도 안되는 재테크 서적 쌓아 놓고
씨름하다가...결국...머리 아파서 내팽겨쳐버린 경험이 있으신 분들도 있으실텐데..재테크 관련 글을 연재하면서.....
항상 드리는 말씀이지만.......

재테크는 없는 돈을 만들어 내는 것이 아니라....
                있는 돈을 가지고 절약하고 모아서 미래를 대비하고 노후를 준비하는 겁니다.


먹고 살기 빠듯해서 돈모으기 어렵다는 분들...
벌어도 항상 빚만 남는다는 분들...
많이 버는 편인데 도대체 통장잔고는 늘지 않는다는 분들...
자신의 수입과 지출에 대해서 다시 한번 깊히 생각해보면 뭔가 잘못된 부분이 있을텐데...오늘은..
주부들이 부자가 되려면 꼭 알아야 할 3가지를 짚어볼까 합니다.




줄줄 새어나가는 돈! 어디서 새는지 알고 있나요??




일전에....
가계누수자금 1위는 보장성 보험이라는 주제로 글을 발행했었는데...줄줄 새는 돈이 비단...보험 뿐일까요?

대출이자부터 과도한 소비까지...새어나가는 돈을 이리저리 따져보면...생각보다 엄청나게...
                큰 액수가 나옵니다. 가령....보험료만 다시 리모델링을 하더라도..
                대략 지출되고 있는 보험료의 20% 가량을 아낄 수가 있다고 합니다.


뿐만 아니라...
은행 수수료의 경우에도 주거래 은행을 만들어 놓으면 텔레뱅킹, 인터넷뱅킹, 자동화기기 수수료 등...
4~8가지나 되는 수수료를 모두 면제 받을 수 있는 방법도 있습니다.
소소한 금액이라 새어 나갈 때는 모르지만...나중에 시간나서 계산해보면...
정말 "어억~~" 소리 절로 나오죠. ㅋ(저도 작은 사업할 때 1년뒤 수수료 계산해 보고 뒤집어졌던 기억이...ㅠ.ㅠ)

또한...
소위 가장 일반적인 재테크라는 주식들도 많이 합니다만, 여기서 깊히..
생각해봐야 할것은 주식은 엄밀히 말해 투자의 개념인데...
상한가는 커녕... 주구장창 수수료만 갖다 주고 있지는 않은지...
또한 어려운 재무문제를 주식투자로 해결하려는 분들이 많은데...과연 해결 될까요??
정확하게 해결될 확률보다....빚이 늘어날 확률이 두배는 높을겁니다.

관련 포스트 => 쓸데없는 가계지출 1위 보장성 보험리모델링 시 체크사항은?

재무설계사로 일하는 지인이 가끔 하는 말이.....웬만한 일반가정에서 새어나가는 돈만 제대로 잡으면 큰돈은 아니라도
작은 적금 하나 정도는 들 수 있다...라고 얘기하는데, 절대로 틀린 말 아닙니다. 부자되려면 새어나가는 돈은 무조건 잡아야겠죠? 혹시 이 글을 보고 있는 주부님이 계시다면 대출이자,보험료,은행수수료 등 그 외 새어나가는 돈을 머리 싸매고서라도.....철저하게 잡아보시기 바랍니다.





돈을 늘리는것?? 서민들에겐 복리효과가 최고!!




금융관련 업계에서는 이러한 얘기를 합니다.
인류의 가장 위대한 발명은??

"바로 복리효과이다. 
                복리는 시간과의 게임이지만 그 시간을 버텨내면 그 효과는 실로 엄청난 money가 되어 돌아오게 된다." 


복리이자의 단점이라면....장기간 투자를 해야 한다는 점이지만...
노후준비를 위해서라고 가정하면??
이만한 투자도 없다고 보는 것이 맞습니다. 일전에 복리와 단리에 대해....
비교설명을 했던 글이 있는데...그 글의 내용 중 일부를 인용하면...


10%라는 다소 높은 수익률에 비교를 해본것이지만....1억을 가지고 30년을 투자했을 때....복리이자는 17억이라는 어마어마한 수치가 나오지만....단리이자는 4억이라는 초라한 숫자가 나오게 되죠. 이러한 부분만을 보더라도..조금의(?) 여유가 있고...가능하다면 복리이자 상품에 투자하는 것이 좋습니다. 그러나 위에서도..언급했듯이...분명 장기적인 플랜을 염두에 두고....투자해야 한다는 사실은 잊지 말아야겠죠.


위의...
내용만 봐도 복리의 효과가 왜 대단한지 이해가 갈겁니다. 말만 복리가 아니라....장기적인 플랜으로..
바라보고 투자한다면...서민들에게 복리상품만큼 효자상품은 없습니다.
개인적으로....부동산이니 주식이니 뭐 요딴거보다 훨씬 제대로 된 재테크라고...
생각하는 것이 바로 복리상품인데....재테크의 측면에서 보나...노후대비의 측면에서 보나...
복리상품의 선택은 가장 현명하다고 보는 것이 맞습니다.

관련 포스트 => [연재] 주부재테크 단리와 복리이자를 알아볼까요?




부동산 거지?? 부동산 투자 안하는게 나을 수도...




ㅋ...부동산 거지라는 말 참 재미있죠???
그러데 이게 말이죠...
주위에서 흔희 볼 수 있는 사람들의 얘기입니다. 아무래도 대한민국은 땅덩어리가 좁다보니...
부동산 투자에 돈이 몰리기 마련이고...나름 똑똑한 분들 부동산 투자로 인해...
아파트 몇채씩 가지고 있는 분들도 있죠?? 그런데.....

아파트만 가지고 있으면 뭐합니까?
                현금은 없고...전부 부동산만 가지고 있고 또 그 부동산은 전부 대출로 받아
                구성된 재산이기 때문에 팔지도 못하고....그저 시세 오르기만 기다리고 있으니...ㅎㅎ


한 예로....
부동산 거지들은 잘못된 부동산 맹신주의로 생활비를 걱정하며 보내는 경우가 많은데...
대부분의 부동산 거지들은....매도하면 더 오를것 같아 매수할 수 없다거나...
매도하면 양도세가 너무 많이 나와서 팔 수가 없다...등의 핑계로 계속해서 부동산을 소유하고 있는 경우가 많습니다.
인터넷 기사를 보니....타워팰리스에 살면서..
생활비가 없어서 대출받는 사람들도 있다는 군요.^^

즉, 자금이 되지 않는 무리한 부동산 투자는....이득을 불러다 주는 것이 아니라는 얘깁니다.
물론 충분히 능력이 되는 사람이라면...얼마든지 투자해도 좋겠지만,
허황된 생각으로 부동산 부자 쫓아가다.....부동산 거지가 될 수도 있다는 것이죠.

부동산 투자를 할 때 대출을 활용하는 것은 당연한 투자기법이라고 얘기합니다. 그러나 부동산 소유욕을 채우기 위해 받는 무계획적인 대출은...부동산 부자가 아니라 잘못될 경우 가정의 붕괴까지 가져올 수 있다는 점을 명심해야겠죠??




재테크고 뭐고..도대체 어려운 사람은 차라리 재무설계를...





현재 리더스리치 재무설계센터에서 매월 20~30명 가량 무료로재무설계를 해주고 있는데..
현재로서는.... 가장 정확한 포트폴리오를 제공 해주고 있습니다.
아래 설명해 놓은 여러가지 금융관련 부분에 대해...
모든 재무설계를 무료로 설계해준다고 하니..노후설계..
은퇴설계...또는 재테크 관련해서...재무관리가 필요하다 생각되시는 분들은....이러한 좋은 기회를 잘 활용하면..
쓸데 없는 지출을 줄일 수 있고...자산을 늘려가는데 있어 좋은 지름길 역할이 되리라는 생각이 드네요.


보험비용 : 대부분 한 가정에서 몇개씩의 보험비용을 지출하고 있는데...속을 들여다 보면 쓸데없는 비용의
지출이 많습니다. 보험이라는 자체가 필수불가결한 요소이긴 하지만, 재무설계를 통해 정리를 해보면 대략
20~30% 정도의 비용이 절약이 됩니다.

주택자금 : 서민들의 경우 집한칸 마련하는게 가장 큰 꿈이죠. 하지만 어디 집한칸 마련하기가 말이 쉽지.
특히 수도권 같은 경우는 몇억에서 몇십억까지...말 그대로 억소리 나오죠. 직장인들 평생 모아봐야 집한채
산다는건 하늘에 별따기는 두말하면 잔소리!! 결국 재물설계를 통한 재테크로 적은 자산이라도 조금씩 불려
나가다 보면 내집마련의 꿈은 훨씬 더 가까워집니다.

세금줄이기 : 이 부분은 자산이 약간 있는 경우에 해당되는데, 의외로 세금을 있는대로 다 내시는 분들이
많더군요. 절세방법이 많이 있지만 사실 아주 세세하게 신경쓰지 않으면 놓치고 지나가는 경우가 많습니다.
재무설계를 다시 할 경우 세금에 있어서도 상당부분 절약이 가능합니다.

부채이자 : 서민들은 위한 '미소금융'이 나왔다다고는 하지만...고거 받기는 하늘에 별따기라죠?? 결국 은행권
에서 대출해보고 않되면 제2금융권까지 넘어가기 마련인데...가장 부담되는 것이 바로 대출금 이자상환입니다.
원금은 커녕 이자도 제대로 못갚고...평생 빚만 갚다고 인생 끝날것 같은 경우가 대부분이죠. 결국 통합적인
재무설계를 통해 대출금의 상황...이자의 부담을 줄여가는 방법을 택하는 것이 좋습니다.

노후설계 : 요즘 고령화사회로 인해...가장 많이 걱정하고 고민하는 부분이 노후준비라고 합니다. 자산이 많다면..
노후설계든 뭐든 준비할 필요가 뭐가 있겠냐만은..그렇지 못한 분들은...꼴랑 국민연금 하나 믿고 가기에는...
생활비 조차도 되지 않는 금액이...너무 불안하죠. 현재 수익이 그다지 많지 않더라도..재무설계에 따라..노후대책
만큼은 확실하게 할 수 있다고 하니...무료재무설계를 활용하면 노후를 준비하는데 있어 많은 도움이 되겠지요.

이 외에도....
교육자금,상속증여세 등등 많은 부분에서 재무설계를 하게 되면....
실질적으로 노후를 준비하는데 있어 한결 수월해 진다는 사실을 알고 있어야 합니다.

일단...무료 재무설계가 필요하신 분들은...아래 상담창을 통해 신청할 경우...
상당히 실력 좋은...재무설계사가 포트폴리오를 제공해준다고 하니..
돈모으기 힘들다...새나가는 돈이 너무 많다 하시는 분들은...
좋은기회를 잘 활용하시면......자산을 늘려가는데 있어..여러모로 도움을 받을 수 있으니 참고하시기 바랍니다

리더스리치 재무설계센터[링크] 재테크부터 내집마련설계까지 금융 전분야 무료재무설계와 포트폴리오 제공.








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