월급날만 기다려왔건만 들어오기 무섭게 이래저래 다 빠져나가고 일주일 후에는 빈털터리가 되고 마는 K. 매달 반복되는 악순환의 고리를 끊기 위해 전문가에게 상담을 요청했다.

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MARGIN-TOP: 8px; PADDING-LEFT: 32px; FONT-WEIGHT: bold; FONT-SIZE: 12px; FLOAT: left; PADDING-BOTTOM: 4px; COLOR: #000000; PADDING-TOP: 10px; FONT-FAMILY: 굴림}#uccbbs .uccTitleL_f {PADDING-RIGHT: 10px; MARGIN-TOP: 8px; PADDING-LEFT: 32px; FONT-WEIGHT: bold; FONT-SIZE: 12px; FLOAT: left; PADDING-BOTTOM: 4px; COLOR: #000000; PADDING-TOP: 10px; FONT-FAMILY: 굴림}#uccbbs .uccTitleL_g {PADDING-RIGHT: 10px; MARGIN-TOP: 8px; PADDING-LEFT: 32px; FONT-WEIGHT: bold; FONT-SIZE: 12px; FLOAT: left; PADDING-BOTTOM: 4px; COLOR: #000000; PADDING-TOP: 10px; FONT-FAMILY: 굴림}#uccbbs .uccTitleL_h {PADDING-RIGHT: 10px; MARGIN-TOP: 8px; PADDING-LEFT: 32px; FONT-WEIGHT: bold; FONT-SIZE: 12px; FLOAT: left; PADDING-BOTTOM: 4px; COLOR: #000000; PADDING-TOP: 10px; FONT-FAMILY: 굴림}#uccbbs .uccTitleL_i {PADDING-RIGHT: 10px; MARGIN-TOP: 8px; PADDING-LEFT: 32px; FONT-WEIGHT: bold; FONT-SIZE: 12px; FLOAT: left; PADDING-BOTTOM: 4px; COLOR: #000000; PADDING-TOP: 10px; FONT-FAMILY: 굴림}#uccbbs .uccTitleL_blog {BACKGROUND: url(http://img-media.hanmail.net/media/common/imo/imo_blog.gif) no-repeat 6px 3px}#uccbbs .uccTitleL_a {BACKGROUND: url(http://img-media.hanmail.net/media/common/imo/imo_top.gif) no-repeat 6px 3px}#uccbbs .uccTitleL_b {BACKGROUND: url(http://img-media.hanmail.net/media/common/imo/imo_good.gif) no-repeat 6px 3px}#uccbbs .uccTitleL_c {BACKGROUND: url(http://img-media.hanmail.net/media/common/imo/imo01.gif) no-repeat 6px 3px}#uccbbs .uccTitleL_d {BACKGROUND: url(http://img-media.hanmail.net/media/common/imo/imo09.gif) no-repeat 6px 3px}#uccbbs .uccTitleL_e {BACKGROUND: url(http://img-media.hanmail.net/media/common/imo/imo02.gif) no-repeat 6px 3px}#uccbbs .uccTitleL_f {BACKGROUND: url(http://img-media.hanmail.net/media/common/imo/imo10.gif) no-repeat 6px 3px}#uccbbs .uccTitleL_g {BACKGROUND: url(http://img-media.hanmail.net/media/common/imo/imo03.gif) no-repeat 6px 3px}#uccbbs .uccTitleL_h {BACKGROUND: url(http://img-media.hanmail.net/media/common/imo/imo12.gif) no-repeat 6px 3px}#uccbbs .uccTitleL_i {BACKGROUND: url(http://img-media.hanmail.net/media/common/imo/imo_default.gif) no-repeat 6px 3px}#uccbbs .uccTitleL_conf {PADDING-RIGHT: 5px; PADDING-LEFT: 7px; PADDING-BOTTOM: 2px; PADDING-TOP: 19px}#uccbbs .uccTitleR {PADDING-RIGHT: 10px; PADDING-LEFT: 10px; PADDING-BOTTOM: 3px; PADDING-TOP: 17px}#uccbbs .uccTitleR IMG {MARGIN: 0px 0px 4px; VERTICAL-ALIGN: middle}#uccbbs .uccTitleL_conf {FONT-WEIGHT: bold; FONT-SIZE: 11px; FLOAT: left; COLOR: #555555; FONT-FAMILY: 돋움; LETTER-SPACING: -1px}#uccbbs .uccTitleR {FONT-SIZE: 11px; FLOAT: right; VERTICAL-ALIGN: top; COLOR: #666666; FONT-FAMILY: 돋움}#uccbbs .uccBar {COLOR: #cccccc; LETTER-SPACING: -1px}#sub1 DD {PADDING-RIGHT: 10px; PADDING-LEFT: 10px; FONT-SIZE: 12px; BACKGROUND: #f6f6f6; PADDING-BOTTOM: 4px; MARGIN: 0px; COLOR: #666666; WORD-BREAK: break-all; LINE-HEIGHT: 19px; PADDING-TOP: 7px; FONT-FAMILY: 굴림}#sub1 .blog {FONT-SIZE: 11px; COLOR: #03036f; FONT-FAMILY: 돋움}#uccAll {PADDING-RIGHT: 10px; MARGIN-TOP: 12px; FONT-SIZE: 11px; COLOR: #666666; FONT-FAMILY: 돋움; TEXT-ALIGN: right}#uccAll A {FONT-WEIGHT: bold; FONT-SIZE: 11px; COLOR: #333333; FONT-FAMILY: 돋움; LETTER-SPACING: -1px}#uccWriteTab {MARGIN-TOP: 5px; FONT-SIZE: 11px; BACKGROUND: url(http://img-media.hanmail.net/media/common/100_bg.gif) repeat-x; FONT-FAMILY: 돋움; HEIGHT: 26px}#uccWriteTab TD {HEIGHT: 26px}#uccWriteTab A {FONT-SIZE: 11px; COLOR: #555555; FONT-FAMILY: 돋움; LETTER-SPACING: -1px}#uccWriteTab #uccWriteTabTxt {PADDING-RIGHT: 0px; PADDING-LEFT: 8px; PADDING-BOTTOM: 0px; PADDING-TOP: 7px}#uccWrite {BORDER-RIGHT: #d7d0cb 1px solid; PADDING-RIGHT: 0px; BORDER-TOP: #d7d0cb 1px solid; MARGIN-TOP: 20px; PADDING-LEFT: 10px; BACKGROUND: #f1edea; PADDING-BOTTOM: 0px; BORDER-LEFT: #d7d0cb 1px solid; PADDING-TOP: 12px; BORDER-BOTTOM: #d7d0cb 1px solid}#uccNetizen IMG {MARGIN-BOTTOM: 4px}#uccNetizen INPUT {MARGIN: -2px 0px 0px}#uccNetizen .ico {WIDTH: 49px; TEXT-ALIGN: center}#uccNetizen TD {FONT-SIZE: 11px; COLOR: #555555; FONT-FAMILY: 돋움; LETTER-SPACING: -1px}#uccNetizen .left {WIDTH: 65px; HEIGHT: 60px}#uccNetizen .right {PADDING-RIGHT: 0px; PADDING-LEFT: 10px; PADDING-BOTTOM: 0px; VERTICAL-ALIGN: top; PADDING-TOP: 24px}#uccNetizen .right A {FONT-WEIGHT: bold; FONT-SIZE: 11px; COLOR: #000000; FONT-FAMILY: 돋움}#uccNetizen .result {MARGIN-TOP: 2px; VERTICAL-ALIGN: middle}#uccWrite .InputSbj {BORDER-RIGHT: #aeaeae 1px solid; BORDER-TOP: #aeaeae 1px solid; FONT-SIZE: 12px; IME-MODE: active; BORDER-LEFT: #aeaeae 1px solid; WIDTH: 410px; COLOR: #000000; BORDER-BOTTOM: #aeaeae 1px solid; FONT-FAMILY: 굴림; HEIGHT: 20px}#uccWrite .InputText {BORDER-RIGHT: #aeaeae 1px solid; BORDER-TOP: #aeaeae 1px solid; FONT-SIZE: 12px; IME-MODE: active; BORDER-LEFT: #aeaeae 1px solid; WIDTH: 447px; COLOR: #000000; BORDER-BOTTOM: #aeaeae 1px solid; FONT-FAMILY: 굴림; HEIGHT: 43px}#uccWrite .InputDesc {PADDING-RIGHT: 0px; PADDING-LEFT: 0px; FONT-SIZE: 11px; PADDING-BOTTOM: 10px; COLOR: #6b6b6b; LINE-HEIGHT: 16px; PADDING-TOP: 5px; FONT-FAMILY: 돋움; LETTER-SPACING: -1px}#uccWrite .tdTitle {FONT-SIZE: 12px; WIDTH: 57px; COLOR: #3f3f3f; FONT-FAMILY: 굴림}#uccWrite .tdTitle_conf {FONT-SIZE: 12px; WIDTH: 57px; COLOR: #3f3f3f; FONT-FAMILY: 굴림}#uccWrite .tdTitle2 {FONT-SIZE: 12px; WIDTH: 35px; COLOR: #3f3f3f; FONT-FAMILY: 굴림}#uccWrite .tdTitle_conf2 {FONT-SIZE: 12px; WIDTH: 35px; COLOR: #3f3f3f; FONT-FAMILY: 굴림}#uccWrite .tdTitle_conf {PADDING-TOP: 6px}#uccWrite .pt7 {PADDING-TOP: 7px}#uccWrite .tdInput {FONT-SIZE: 12px; FONT-FAMILY: 굴림}#uccWrite .tdInput_conf {FONT-SIZE: 12px; FONT-FAMILY: 굴림}#uccWrite .tdInput_conf {FONT-WEIGHT: bold; PADDING-TOP: 2px}#uccWrite .tdInput_conf TD {FONT-SIZE: 12px}#uccWrite TEXTAREA {MARGIN-TOP: -1px}#uccWrite .tdBtn {PADDING-LEFT: 7px; FONT-SIZE: 11px; COLOR: #555555; FONT-FAMILY: 돋움; LETTER-SPACING: -1px}#uccSearch {PADDING-RIGHT: 0px; MARGIN-TOP: 1px; PADDING-LEFT: 11px; FONT-SIZE: 11px; BACKGROUND: #f1edea; PADDING-BOTTOM: 7px; COLOR: #666666; PADDING-TOP: 5px; BORDER-BOTTOM: #d7d0cb 2px solid; FONT-FAMILY: 돋움; LETTER-SPACING: -1px}#uccSearch .uccSearchTxt {FONT-WEIGHT: bold; COLOR: #333333}#uccSearch .uccText {BORDER-RIGHT: #c4c4c4 1px solid; BORDER-TOP: #c4c4c4 1px solid; FONT-SIZE: 11px; BORDER-LEFT: #c4c4c4 1px solid; WIDTH: 182px; COLOR: #333333; BORDER-BOTTOM: #c4c4c4 1px solid; FONT-FAMILY: 굴림; HEIGHT: 18px}#uccSearch .btn {MARGIN: 2px 0px 0px 2px}#uccList1 {FONT-SIZE: 11px; COLOR: #000000; FONT-FAMILY: 굴림; TEXT-ALIGN: right}#uccList2 {FONT-SIZE: 11px; COLOR: #000000; FONT-FAMILY: 굴림; TEXT-ALIGN: right}#uccList1 {MARGIN: 6px 0px 11px}#uccList2 {MARGIN: 19px 0px 11px}#uccList1 .link {FONT-WEIGHT: bold; FONT-SIZE: 11px; COLOR: #d12819; FONT-FAMILY: 돋움; LETTER-SPACING: -1px}#uccList2 .link {FONT-WEIGHT: bold; FONT-SIZE: 11px; COLOR: #d12819; FONT-FAMILY: 돋움; LETTER-SPACING: -1px}#uccList1 .dim {FONT-WEIGHT: bold; FONT-SIZE: 11px; COLOR: #959595; FONT-FAMILY: 돋움; LETTER-SPACING: -1px}#uccList2 .dim {FONT-WEIGHT: bold; FONT-SIZE: 11px; COLOR: #959595; FONT-FAMILY: 돋움; LETTER-SPACING: -1px}#uccList1 .bar {FONT-SIZE: 11px; MARGIN-LEFT: 2px; COLOR: #c2c2c2; MARGIN-RIGHT: 2px; FONT-FAMILY: 돋움}#uccList2 .bar {FONT-SIZE: 11px; MARGIN-LEFT: 2px; COLOR: #c2c2c2; MARGIN-RIGHT: 2px; FONT-FAMILY: 돋움}.uccListImg {MARGIN-TOP: 2px}#uccGotop {FONT-SIZE: 11px; PADDING-TOP: 5px; FONT-FAMILY: 돋움; TEXT-ALIGN: right}#uccGotop A {COLOR: #555555}#uccGotop .bar {FONT-SIZE: 11px; COLOR: #c2c2c2; FONT-FAMILY: 돋움}#uccResult {BORDER-RIGHT: #e4dfdb 1px solid; PADDING-RIGHT: 0px; BORDER-TOP: #e4dfdb 1px solid; PADDING-LEFT: 0px; FONT-SIZE: 12px; PADDING-BOTTOM: 16px; BORDER-LEFT: #e4dfdb 1px solid; COLOR: #333333; PADDING-TOP: 19px; BORDER-BOTTOM: #e4dfdb 1px solid; FONT-FAMILY: 굴림; TEXT-ALIGN: center}#uccResult FONT {FONT-SIZE: 12px; COLOR: #ff741a; FONT-FAMILY: 굴림}#uccGraph {BORDER-RIGHT: #dddddd 1px solid; PADDING-RIGHT: 0px; BORDER-TOP: #dddddd 1px solid; PADDING-LEFT: 0px; PADDING-BOTTOM: 20px; BORDER-LEFT: #dddddd 1px solid; PADDING-TOP: 20px; BORDER-BOTTOM: #dddddd 1px solid; FONT-FAMILY: 굴림; TEXT-ALIGN: center}#uccGraph .appTd {PADDING-RIGHT: 7px; PADDING-LEFT: 0px; FONT-SIZE: 12px; PADDING-BOTTOM: 0px; PADDING-TOP: 3px}#uccGraph .oppTd {PADDING-RIGHT: 0px; PADDING-LEFT: 7px; FONT-SIZE: 12px; PADDING-BOTTOM: 0px; PADDING-TOP: 3px}#uccbbs .app {FONT-SIZE: 12px; COLOR: #03036f; FONT-FAMILY: 굴림}#uccGraph .appTd {FONT-SIZE: 12px; COLOR: #03036f; FONT-FAMILY: 굴림}#uccGraph .uccGraph {WIDTH: 260px}#uccbbs .opp {FONT-SIZE: 12px; COLOR: #d12819; FONT-FAMILY: 굴림}#uccGraph .oppTd {FONT-SIZE: 12px; COLOR: #d12819; FONT-FAMILY: 굴림}#uccGraph1 {BACKGROUND: url(http://img-media.hanmail.net/media/common/100_graph_l.gif) no-repeat; WIDTH: 1px; WHITE-SPACE: nowrap; HEIGHT: 16px}#uccGraph2 {BACKGROUND: #717eca}#uccGraph3 {BACKGROUND: url(http://img-media.hanmail.net/media/common/100_graph_c.gif); WIDTH: 3px; WHITE-SPACE: nowrap; HEIGHT: 16px}#uccGraph4 {BACKGROUND: #f7756b}#uccGraph5 {BACKGROUND: url(http://img-media.hanmail.net/media/common/100_graph_r.gif) no-repeat; WIDTH: 1px; WHITE-SPACE: nowrap; HEIGHT: 16px}#uccbbs #report FONT {COLOR: #b70000; TEXT-DECORATION: underline}#uccbbs #report HR {COLOR: #dfdfdf; size: 2}INPUT .radio {MARGIN-BOTTOM: -2px}#uccbbs .uccPList {FONT-WEIGHT: bold; FONT-SIZE: 11px; FLOAT: right; MARGIN-BOTTOM: 10px; COLOR: #999999; FONT-FAMILY: 돋움; LETTER-SPACING: -2px}#uccbbs .uccPList A {COLOR: #ff741a}#uccbbs .uccPList .bar {PADDING-RIGHT: 6px; PADDING-LEFT: 6px; FONT-WEIGHT: normal; PADDING-BOTTOM: 0px; COLOR: #c2c2c2; PADDING-TOP: 0px}.source {DISPLAY: none}#MINIwrap {PADDING-RIGHT: 0px; PADDING-LEFT: 0px; FONT-SIZE: 12px; PADDING-BOTTOM: 0px; MARGIN: 0px; COLOR: #9e9e9e; LINE-HEIGHT: 100%; PADDING-TOP: 0px; FONT-FAMILY: 굴림,gulim,sans-serif}#MINIwrap FORM {PADDING-RIGHT: 0px; PADDING-LEFT: 0px; PADDING-BOTTOM: 0px; MARGIN: 0px; PADDING-TOP: 0px}#MINIwrap UL {MARGIN-TOP: 1px; FLOAT: right}#MINIwrap LI {PADDING-RIGHT: 0px; PADDING-LEFT: 0px; PADDING-BOTTOM: 0px; MARGIN: 0px; PADDING-TOP: 0px; LIST-STYLE-TYPE: none}#MINIwrap UL LI {DISPLAY: inline; PADDING-LEFT: 6px; BACKGROUND: url(http://image.hanmail.net/hanmail/title5/i_dot.gif) no-repeat 0px 5px}#MINIwrap UL LI.x {PADDING-LEFT: 1px; BACKGROUND: none transparent scroll repeat 0% 0%}#MINIwrap .f {BORDER-RIGHT: #aaaaaa 1px solid; BORDER-TOP: #aaaaaa 1px solid; FONT-SIZE: 12px; BORDER-LEFT: #aaaaaa 1px solid; WIDTH: 85px; COLOR: #535353; BORDER-BOTTOM: #aaaaaa 1px solid; FONT-FAMILY: 돋움,Dotum,AppleGothic,sans-serif; HEIGHT: 15px}#MINIwrap A {TEXT-DECORATION: none}#MINIwrap A:hover {TEXT-DECORATION: underline}#miniFL {LINE-HEIGHT: 110%; PADDING-TOP: 5px}#miniFL A {FONT-SIZE: 11px; CURSOR: pointer; COLOR: #343434; FONT-FAMILY: 돋움,Dotum,AppleGothic,sans-serif; LETTER-SPACING: -1px}.miniEvent {FONT-SIZE: 11px; CURSOR: pointer; COLOR: #343434; FONT-FAMILY: 돋움,Dotum,AppleGothic,sans-serif; LETTER-SPACING: -1px}SPAN.dot {PADDING-LEFT: 6px; BACKGROUND: url(http://image.hanmail.net/hanmail/title5/i_dot.gif) no-repeat 0px 3px}#MiniBody {PADDING-RIGHT: 0px; PADDING-LEFT: 0px; PADDING-BOTTOM: 0px; MARGIN: 0px; PADDING-TOP: 0px; BACKGROUND-COLOR: #ffffff}#MiniBodyff3 {PADDING-RIGHT: 0px; PADDING-LEFT: 0px; PADDING-BOTTOM: 0px; MARGIN: 0px; PADDING-TOP: 0px; BACKGROUND-COLOR: #f3f3f3}#MiniBodyddd {PADDING-RIGHT: 0px; PADDING-LEFT: 0px; PADDING-BOTTOM: 0px; MARGIN: 0px; PADDING-TOP: 0px; BACKGROUND-COLOR: #d7d7d7}.Mini000 A {COLOR: #000000}.miniEvent A:hover {TEXT-DECORATION: underline}#MINIwrap UL B {FONT-SIZE: 12px; COLOR: #000000; FONT-FAMILY: 굴림,gulim,sans-serif}#MINIwrap UL A {FONT-SIZE: 12px; COLOR: #000000; FONT-FAMILY: 굴림,gulim,sans-serif}#MINIwrap UL A:hover {FONT-SIZE: 12px; COLOR: #000000; FONT-FAMILY: 굴림,gulim,sans-serif}또 돈이 없다. 월급날이 5일이고 오늘이 13일이니까 딱 7일 지났는데 통장 잔고는 텅 빈 상태. 무슨 통장이 밑 빠진 독도 아니고 어떻게 매달 새 물을 길어 넣는데 그렇게 비고 또 빌까. 연봉이 3천만원이니까 매달 2백만원 정도를 받는 셈이니 스물일곱인 내 나이에 비해 그리 적은 액 수의 월급도 아니다. 그런데 월급 들어오기 무섭게 지난달 카드 값과 현금 서비스 받은 돈으로 90만원 정도 쑥 빠져나가고 월세며 휴대 폰비며 공과금이며 이런 것들로 또 50만원이 나가고, 그간 못한 쇼핑 좀 하자고 이삼일 돌아다니면 또 20만~30만원이 금세 없어지는 것 이다. 수중에 돈이 생겼으니 친구들 만나 술 좀 마셔야지 하면 또 일주일 새 20만원쯤 쓰게 되니 결국 일주일 지나면 울며 겨자 먹기 로 현금 서비스를 하게 될 수밖에 없는 것. 그리고 다음 달이 되면 이 사이클이 반복되니 미칠 노릇이다. 어마어마한 빚을 진 것도 아니고 부양해야 할 가족이 있는 것도 아닌데 도대체 나의 경제 생활은 왜 이다지도 엉망이란 말인가.

>> Problem 재테크가 전무하다
>> Solution 카드 빚부터 해결하라
남들 다 적금 들고 펀드 든다고 매달 카드 값이 1백만원 정도 나오는데도 적금을 들어버린 당신. 적금으로 돈이 빠져나가고 나면 현금 서비스를 받는 어처구니없는 상황에 처하는 건 아닌가. 일단 마이너스 아닌 0원에서 시작하 라. 카드 값을 감당할 정도가 될 때까지 가계부를 충실히 쓰며 지출 패턴을 관리하다 어느 정도 안정되면 작게 시작하라. 우선 보험 부터. 월 납입 보험료의 규모는 월 소득의 5~8%에서 과다하지 않게 조절해야 한다. 그다음에는 장기주택마련저축에 가입하고 여유 자 금이 생기면 신협과 새마을금고의 예탁금을 고려해볼 것. 마지막으로 펀드 은행 확정 금리 상품은 포트폴리오 차원에서 일부 가입하고, 최소 50% 이상은 투자형 상품으로 장기 투자하는 것이 좋다.

>> Problem 쇼핑이 제어가 안 된다
>> Solution 마인드 콘트롤을 하라
지출 항목은 총 8가지로 구분할 수 있다. ‘꼭 필요한 것/앞으로 꼭 필요할 것, 필요한 것/ 앞으로 필요할 것, 갖고 싶은 것/앞으로 갖고 싶은 것, 있어도 되고 없어도 되지만 있으면 멋져 보이는 것/미래에 그런 생각이 들 만한 것’. 물건을 사기 전에 이 항목에 대입해보라. 지금 이것이 어떤 항목에 들어갈 만한 것인가 하고. 혹시 있어도 되고 없어도 되지만 있으면 멋져 보이는 물건을 사기 위해 앞으로 꼭 필요할 것을 사기 위한 돈을 써버리는 것은 아닌가. 이를테면 명품 백을 사 기 위해 며칠 뒤 써야 할 점심 값까지 날리는 건 아닌가 돌아볼 일.

>> Problem 지출 내역을 잘 모른다
>> Solution 가계부 프로그램을 사용한다
월급이 어디로 다 빠져나가는지 세세히 알아둬야 한다. 내가 어디에 돈을 과도하게 쓰는지 알아야 지출을 콘트롤할 수 있다. 지출을 파악하기 위해서는 3개월 정도 본인의 지출 항목을 세부적으로 기재하여 월 평균 항목별 지 출 금액 및 소득 대비 비율을 산출해볼 필요가 있다. 이때 가계부 프로그램이 요긴하게 사용된다. 무료 프로그램 중에는 모네타 미니가계 부(http://mini.moneta.co.kr)가 가장 좋다. 매일의 수입과 지출을 관리하여 그 내역을 정리해주는 기능은 기본, 매달 지출 ·저축 목표를 설정하면 목표 금액과 함께 현재 내역을 정리해준다. 이 밖에도 일정 기간 쓰지 못하다 다시 시작할 경우 현재 금액에 맞게 다시 설정해주는 잔액 마법사 기능이 있는 누리아 가계부(http://www.nuria.co.kr) 등이 있다.

>> Problem 카드를 너무 많이 쓴다
>> Solution 카드를 분리하라
카드로 계산할 때와 현금으로 계산할 때 느낌은 확연히 다르다. 카드는 지출을 둔감하게 만 드는 기묘한 지불 수단. 그렇기 때문에 카드 쓰는 게 제어가 안 된다면 카드를 없애는 게 가장 이상적인 방법. 그러나 모두 알면서 못하 듯 현대 생활을 영위하는 데 카드는 필요악이다. 이때는 카드를 두 종류로 만든다. 하나는 한도를 30만원으로, 다른 하나는 비상시를 위해 한도를 3백만원으로 해놓는다. 30만원짜리 한도의 카드를 소지하고 다니고, 3백만원짜리는 책상 서랍 깊숙한 곳에 넣어두고 다닌다. 하나는 일상용, 다른 하나는 비상용. 이렇게 카드를 분리해서 사용하면 카드를 적게 쓸뿐더러 소비 내역도 정리될 것이다.

>> Problem 모든 방법을 알고 있지만 도저히 통제 불능이다
>> Solution 자산관리사의 도움을 받으라
미국에서는 대부분의 사람들에게 개인 카운셀러가 있는 것처럼 자산관리사가 있을 정도로 보편화 됐다. 자산관리사 자격증이 있는 전문 컨설턴트는 보통 보험 회사에서 무료로 재무상담을 제공하는데 개인적으로 재무 상담을 받 으려면 1만5천원부터 10만원대까지 수임료를 내고 받아야 한다. 철저한 1대 1 개인 상담으로 소비 패턴뿐 아니라 라이프스타일까지 두루 고려한 세심한 상담을 기대할 수 있다. 어떻게 써야 할지 잘 알고 있으나 통제가 불가능하다면 자산관리사의 도움을 받을 것. 

 

 

출처: 김장현님 미니홈피