你在用信用卡，还是在消费你的信用？？

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 ？？

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？？