2008年8月開始會依書中建議開始操作,這類的書有用與否是要看結果為何吧?基本上可視本書為《秘密》中專門focus在吸引金錢的實戰版(如不像《秘密》一樣只需要我們光想,本書是有實際行動上的建議,如將收入分成六份)。可說是結富爸爸窮爸爸、當和尚遇到鑽石、秘密等心法為一身的操作手冊。只能說寫得.... 蠻市儈的,不過很有用 (所謂聳而有力??)。當然也有一些新觀念 (但可能是因我不常讀和投資理財有關的書),所以還是有些收穫 (如金錢藍圖的形成原因)。

書中有提到要把收入分成六份,但並沒有寫清楚這六個帳戶的內容,果然網路總有好心人,找到了一個解釋這六個帳戶內容的文章,還有參加過作者課程的學生現身說法,有興趣的人可以參考。

http://secretsofachievers.com/financial-success/t-harv-ekers-jars-money-management-system/

實戰經驗
實際操作了兩個月後 (結果當然沒這麼快),有些可以修改的地方。第一,建議一有收入,馬上依用途分好,省得用到不該用的錢。第二,建議所有的花費(除非是玩樂帳戶的已知單筆消費),都先從需求帳戶出去。雖然有些費用可能並不屬於需求帳戶,但若是需求帳戶都還可以支付,其他帳戶就可一直累積金額。若有超支,再於月底調整看看該是哪個帳戶來補足。如,可能在月底只剩兩千塊可用,但曾用需求帳戶買了2000塊的書(這兩千塊本來應該是由教育帳戶支出的),這時就可在下個月時調整,把教育帳戶的兩千塊撥到需求帳戶。

這樣做的目的是,在實際操作的時候,不可能因為買兩本書就跑到提款機去領剛好的金額,這樣領來領去還真的會發瘋,所以應當是先於月初把錢分好,然後有屬於非需求帳戶的花費時先記帳記下來,若是需求帳戶可完全符合花費是最好,若不行,再於月底調整。(我是打算一季調一次)。

這是實作後的一些心得。

9/9/2009 update

自己操作,外加介紹了三個朋友六個帳戶的概念,一年下來大家都成果輝煌,利用這個方法大家都開開心心的存下了錢,更重要是花的更開心沒有壓力!

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  • donald
  • thank you

    thanks for visiting my blog www.secretsofachievers.com.

    i am glad to find someone who benefits from harv's teachings

    are you from taiwan? :)
  • I wonder why T. Harv Eker doesn't come to Taiwan (and yes I am from Taiwan). I bet a lot of people would attend (Seattle to Vancouver really isn't the same as Taiwan to Singapore....) if he does. Does he go to Singapore on regular basis? I may go if he does. I will try his JAR system starting Aug. when getting my paycheck, and it is encouraging to learn that you (and others that left messages to your blog) do improve their financial situation by following Eker. BTW, I am making a link from my blog to yours; your blog has lots of good information besides T. Harv Eker. :)

    izcream 於 2008/08/01 17:17 回覆

  • donald
  • Millionaire Mind Intensive

    Thank you for your compliment. I am happy to share what I have learned from those very successful people, or what I called Achievers.

    Taiwan is a lovely place and it is one of the countries that is at the top of my list to visit!

    Harv Eker travels to Malaysia and Singapore numerous times per year for the past 1-2 years.

    I know he is holding his Millionaire Mind Intensive (MMI) in Singapore and Malaysia this year too. The next one will be in Singapore.

    At the last Train The Trainer event in Singapore in Mar 2008, I met 2 Taiwanese guys who came to Singapore to attend Harv’s event, all the way from Taiwan.

    You may want to consider coming to Singapore for Harv’s Millionaire Mind Intensive towards the last quarter of 2008. If his book “Secrets of The Millionaire Mind” blew you away, wait till you attend his 3 days events in which he tries to identify and change your financial blueprint. Great stuff!
  • Thanks for your information! I suppose I need to start my EDUC for this right away, perhaps some from LTSS if not enough, haha!

    izcream 於 2008/08/04 11:21 回覆

  • donald
  • :)

    If you are coming to Singapore, you can let me know :)
    We can go for some food and drinks ...
  • Thanks and certainly! Same as if you come Taiwan. :)

    izcream 於 2008/08/08 10:21 回覆