用上一半青春来解决的卡债
ALVIN是个大学毕业生，30岁，在一家大企业上班。工钱是RM
3000.00，单身。
对一位刚刚出来社会谋生的25岁-30岁的年轻人，生活的节制比较没有这么强。
工资 RM 3000
所得 RM 2670
必须开支 ： 生活费 RM 800 ， 房租 RM
250.00供车
RM 680.00 ，车油费和过路费 RM 340.00 ,
电话费
RM 100.00, 保险 RM 150.00, PTPTN RM 150.00， 父母 RM
200.00
一位标准的月光族。
一次的突发事件，家人发生了意外，需要一笔RM
10,000的医药费。没办法之下，ALVIN就用了信用卡解决这一比较命钱。
反正自己有工作有收入，应该不是很难解决的问题吧。由于不善理财，每月的收入他都只还了一个最低数额。
|
1
|
10000.00
|
18%
|
1800
|
12
|
150
|
10150
|
0.95
|
9642.50
|
357.5
|
|
2
|
9642.50
|
18%
|
1735.65
|
12
|
144.6375
|
9787.138
|
0.95
|
9297.78
|
344.7194
|
|
3
|
9297.78
|
18%
|
1673.601
|
12
|
139.4667
|
9437.248
|
0.95
|
8965.39
|
332.3957
|
|
4
|
8965.39
|
18%
|
1613.769
|
12
|
134.4808
|
9099.866
|
0.95
|
8644.87
|
320.5125
|
|
5
|
8644.87
|
18%
|
1556.077
|
12
|
129.6731
|
8774.545
|
0.95
|
8335.82
|
309.0542
|
|
6
|
8335.82
|
18%
|
1500.447
|
12
|
125.0373
|
8460.855
|
0.95
|
8037.81
|
298.0055
|
|
7
|
8037.81
|
18%
|
1446.806
|
12
|
120.5672
|
8158.38
|
0.95
|
7750.46
|
287.3518
|
|
8
|
7750.46
|
18%
|
1395.083
|
12
|
116.2569
|
7866.718
|
0.95
|
7473.38
|
277.079
|
|
9
|
7473.38
|
18%
|
1345.209
|
12
|
112.1007
|
7585.483
|
0.95
|
7206.21
|
267.1734
|
|
10
|
7106.21
|
18%
|
1279.118
|
12
|
106.5931
|
7212.802
|
0.95
|
6852.16
|
254.047
|
|
11
|
6852.16
|
18%
|
1233.389
|
12
|
102.7824
|
6954.944
|
0.95
|
6607.20
|
244.9648
|
|
12
|
6607.20
|
18%
|
1189.295
|
12
|
99.10796
|
6706.305
|
0.95
|
6370.99
|
236.2073
|
|
13
|
6370.99
|
18%
|
1146.778
|
12
|
95.56485
|
6466.555
|
0.95
|
6143.23
|
227.7629
|
|
14
|
6143.23
|
18%
|
1105.781
|
12
|
92.14841
|
6235.375
|
0.95
|
5923.61
|
219.6204
|
|
15
|
5923.61
|
18%
|
1066.249
|
12
|
88.85411
|
6012.461
|
0.95
|
5711.84
|
211.769
|
|
16
|
5711.84
|
18%
|
1028.131
|
12
|
85.67757
|
5797.516
|
0.95
|
5507.64
|
204.1982
|
|
17
|
5507.64
|
18%
|
991.3752
|
12
|
82.6146
|
5590.255
|
0.95
|
5310.74
|
196.8981
|
|
18
|
5310.74
|
18%
|
955.9336
|
12
|
79.66113
|
5390.403
|
0.95
|
5120.88
|
189.859
|
|
19
|
5120.88
|
18%
|
921.7589
|
12
|
76.81325
|
5197.696
|
0.95
|
4937.81
|
183.0716
|
|
20
|
4937.81
|
18%
|
888.806
|
12
|
74.06717
|
5011.878
|
0.95
|
4761.28
|
176.5267
|
|
21
|
4761.28
|
18%
|
857.0311
|
12
|
71.41926
|
4832.703
|
0.95
|
4591.07
|
170.2159
|
|
22
|
4591.07
|
18%
|
826.3922
|
12
|
68.86602
|
4659.934
|
0.95
|
4426.94
|
164.1307
|
|
23
|
4426.94
|
18%
|
796.8487
|
12
|
66.40406
|
4493.341
|
0.95
|
4268.67
|
158.263
|
|
24
|
4268.67
|
18%
|
768.3613
|
12
|
64.03011
|
4332.704
|
0.95
|
4116.07
|
152.6051
|
|
25
|
4116.07
|
18%
|
740.8924
|
12
|
61.74104
|
4177.81
|
0.95
|
3968.92
|
147.1495
|
|
26
|
3968.92
|
18%
|
714.4056
|
12
|
59.5338
|
4028.454
|
0.95
|
3827.03
|
141.8889
|
|
27
|
3827.03
|
18%
|
688.8656
|
12
|
57.40547
|
3884.436
|
0.95
|
3690.21
|
136.8164
|
|
28
|
3690.22
|
18%
|
664.2387
|
12
|
55.35323
|
3745.568
|
0.95
|
3558.29
|
131.9252
|
|
29
|
3558.29
|
18%
|
640.4922
|
12
|
53.37435
|
3611.664
|
0.95
|
3431.08
|
127.2089
|
|
30
|
3431.81
|
18%
|
617.7258
|
12
|
51.47715
|
3483.287
|
0.95
|
3309.12
|
122.6872
|
|
31
|
3309.12
|
18%
|
595.6421
|
12
|
49.63685
|
3358.76
|
0.95
|
3190.82
|
118.3011
|
|
32
|
3190.82
|
18%
|
574.348
|
12
|
47.86233
|
3238.684
|
0.95
|
3076.75
|
114.0719
|
|
33
|
3076.75
|
18%
|
553.815
|
12
|
46.15125
|
3122.901
|
0.95
|
2966.76
|
109.9938
|
|
34
|
2966.76
|
18%
|
534.0161
|
12
|
44.50134
|
3011.257
|
0.95
|
2860.69
|
106.0615
|
|
35
|
2860.69
|
18%
|
514.9249
|
12
|
42.91041
|
2903.604
|
0.95
|
2758.42
|
102.2698
|
|
36
|
2758.42
|
18%
|
496.5163
|
12
|
41.37636
|
2799.8
|
0.95
|
2659.81
|
98.61366
|
|
37
|
2659.81
|
18%
|
478.7658
|
12
|
39.89715
|
2699.707
|
0.95
|
2564.72
|
95.08821
|
|
38
|
2564.72
|
18%
|
461.65
|
12
|
38.47083
|
2603.193
|
0.95
|
2473.03
|
91.68881
|
|
39
|
2473.03
|
18%
|
445.1459
|
12
|
37.0955
|
2510.128
|
0.95
|
2384.62
|
88.41093
|
|
40
|
2384.62
|
18%
|
429.232
|
12
|
35.76933
|
2420.391
|
0.95
|
2299.37
|
85.25024
|
|
41
|
2299.37
|
18%
|
413.887
|
12
|
34.49058
|
2333.863
|
0.95
|
2217.17
|
82.20255
|
|
42
|
2217.17
|
18%
|
399.0904
|
12
|
33.25754
|
2250.427
|
0.95
|
2137.91
|
79.26379
|
|
43
|
2137.91
|
18%
|
384.8229
|
12
|
32.06858
|
2169.974
|
0.95
|
2061.47
|
76.4301
|
|
44
|
2061.48
|
18%
|
371.0655
|
12
|
30.92213
|
2092.397
|
0.95
|
1987.78
|
73.69773
|
|
45
|
1987.77
|
18%
|
357.7986
|
12
|
29.81655
|
2017.587
|
0.95
|
1916.71
|
71.06278
|
|
46
|
1916.71
|
18%
|
345.0073
|
12
|
28.75061
|
1945.458
|
0.95
|
1848.18
|
68.52228
|
|
47
|
1848.19
|
18%
|
332.6733
|
12
|
27.72278
|
1875.908
|
0.95
|
1782.11
|
66.07261
|
|
48
|
1782.11
|
18%
|
320.7802
|
12
|
26.73168
|
1808.844
|
0.95
|
1718.40
|
63.7105
|
|
49
|
1718.40
|
18%
|
309.3122
|
12
|
25.77602
|
1744.177
|
0.95
|
1656.97
|
61.43284
|
|
50
|
1656.97
|
18%
|
298.2542
|
12
|
24.85452
|
1681.823
|
0.95
|
1597.73
|
59.23661
|
|
51
|
1597.73
|
18%
|
287.5916
|
12
|
23.96597
|
1621.697
|
0.95
|
1540.61
|
57.11888
|
|
52
|
1540.61
|
18%
|
277.3102
|
12
|
23.10918
|
1563.721
|
0.95
|
1485.54
|
55.07688
|
|
53
|
1485.54
|
18%
|
267.3963
|
12
|
22.28303
|
1507.818
|
0.95
|
1432.43
|
53.10788
|
|
54
|
1432.43
|
18%
|
257.8369
|
12
|
21.48641
|
1453.913
|
0.95
|
1381.22
|
51.20927
|
|
55
|
1381.22
|
18%
|
248.6192
|
12
|
20.71827
|
1401.936
|
50
|
1351.94
|
29.28173
|
|
56
|
1331.84
|
18%
|
239.731
|
12
|
19.97759
|
1351.817
|
50
|
1301.82
|
30.02241
|
|
57
|
1284.23
|
18%
|
231.1607
|
12
|
19.26339
|
1303.489
|
50
|
1253.49
|
30.73661
|
|
58
|
1238.32
|
18%
|
222.8967
|
12
|
18.57473
|
1256.89
|
50
|
1206.89
|
31.42528
|
|
59
|
1194.05
|
18%
|
214.9281
|
12
|
17.91068
|
1211.956
|
50
|
1161.96
|
32.08932
|
|
60
|
1151.36
|
18%
|
207.2444
|
12
|
17.27037
|
1168.628
|
50
|
1118.63
|
32.72963
|
|
61
|
1110.20
|
18%
|
199.8355
|
12
|
16.65296
|
1126.85
|
50
|
1076.85
|
33.34705
|
|
62
|
1070.51
|
18%
|
192.6913
|
12
|
16.05761
|
1086.565
|
50
|
1036.56
|
33.9424
|
|
63
|
1032.24
|
18%
|
185.8025
|
12
|
15.48354
|
1047.72
|
50
|
997.72
|
34.51646
|
|
64
|
997.72
|
18%
|
179.5896
|
12
|
14.9658
|
1012.686
|
50
|
962.69
|
35.0342
|
|
65
|
962.69
|
18%
|
173.2834
|
12
|
14.44029
|
977.1261
|
50
|
927.13
|
35.55971
|
|
66
|
927.13
|
18%
|
166.8834
|
12
|
13.90695
|
941.037
|
50
|
891.04
|
36.09305
|
|
67
|
891.04
|
18%
|
160.3872
|
12
|
13.3656
|
904.4056
|
50
|
854.41
|
36.6344
|
|
68
|
854.41
|
18%
|
153.7938
|
12
|
12.81615
|
867.2262
|
50
|
817.23
|
37.18385
|
|
69
|
817.23
|
18%
|
147.1014
|
12
|
12.25845
|
829.4885
|
50
|
779.49
|
37.74155
|
|
70
|
779.49
|
18%
|
140.3082
|
12
|
11.69235
|
791.1824
|
50
|
741.18
|
38.30765
|
|
71
|
741.18
|
18%
|
133.4124
|
12
|
11.1177
|
752.2977
|
50
|
702.30
|
38.8823
|
|
72
|
702.30
|
18%
|
126.414
|
12
|
10.5345
|
712.8345
|
50
|
662.83
|
39.4655
|
|
73
|
662.83
|
18%
|
119.3094
|
12
|
9.94245
|
672.7725
|
50
|
622.77
|
40.05755
|
|
74
|
622.77
|
18%
|
112.0986
|
12
|
9.34155
|
632.1116
|
50
|
582.11
|
40.65845
|
|
75
|
582.11
|
18%
|
104.7798
|
12
|
8.73165
|
590.8417
|
50
|
540.84
|
41.26835
|
|
76
|
540.84
|
18%
|
97.3512
|
12
|
8.1126
|
548.9526
|
50
|
498.95
|
41.8874
|
|
77
|
498.95
|
18%
|
89.811
|
12
|
7.48425
|
506.4343
|
50
|
456.43
|
42.51575
|
|
78
|
456.43
|
18%
|
82.1574
|
12
|
6.84645
|
463.2765
|
50
|
413.28
|
43.15355
|
|
79
|
413.28
|
18%
|
74.3904
|
12
|
6.1992
|
419.4792
|
50
|
369.48
|
43.8008
|
|
80
|
369.48
|
18%
|
66.5064
|
12
|
5.5422
|
375.0222
|
50
|
325.02
|
44.4578
|
|
81
|
325.02
|
18%
|
58.5036
|
12
|
4.8753
|
329.8953
|
50
|
279.90
|
45.1247
|
|
82
|
279.90
|
18%
|
50.382
|
12
|
4.1985
|
284.0985
|
50
|
234.10
|
45.8015
|
|
83
|
234.10
|
18%
|
42.138
|
12
|
3.5115
|
237.6115
|
50
|
187.61
|
46.4885
|
|
84
|
187.61
|
18%
|
33.7698
|
12
|
2.81415
|
190.4242
|
50
|
140.42
|
47.18585
|
|
85
|
140.42
|
18%
|
25.2756
|
12
|
2.1063
|
142.5263
|
50
|
92.53
|
47.8937
|
|
86
|
92.53
|
18%
|
16.6554
|
12
|
1.38795
|
93.91795
|
50
|
43.92
|
48.61205
|
|
87
|
43.92
|
18%
|
7.9056
|
12
|
0.6588
|
44.5788
|
50
|
-5.42
|
49.3412
|
没错，ALVIN用了87的月来换清他的卡债。恭喜恭喜ALVIN…终于解脱了恶梦！
如果一个人的工作时间是25岁到55岁，30年。你却用上了7.2年来解决你的债务问题，是不是有点可悲？？
想想大家平时有多少东西是买了而又不需要的呢 ？？万一 万一这些东西又是欠钱而买来的呢 ？？
想想大家平时有多少东西是买了而又不需要的呢 ？？万一 万一这些东西又是欠钱而买来的呢 ？？
经过统计，70%以上的花费是买了不需要的东西。
希望大家好好节制您的信用卡，到底，你是在用信用卡？？还是在消费你的信用？？
