모금이 통장관리 방식.ㅡ장문의스압.

<DIV class=NHN_Writeform_Main>           작년 가계부 컬럼이후에 핑계아닌 핑계같은 핑계로 줄창 바빠서 글같은 글을 못쓰다가 기억하시는분은 없겠지만 되는대로 뜨문뜨문 쓰겠다고 말씀드린대로 -_- 글하나 정리합니다.   카테고리가 애매해서 고민하다가 전에 쓴 글들에 이어서 절약코너에 올립니다.       오늘은, 별로 대단할것은 없지만 다른분과 조금다른 저의 통장관리방식을 보여드릴까 합니다. 주워가실것은 주워가시고 버릴것은 버리십시오. 욕설과 비난은 돌아서서 혼자하시고 <IMG id=userImg8404522 src="https://img1.daumcdn.net/relay/cafe/original/?fname=http%3A%2F%2Fcafeimgs.naver.net%2Feditor%2Femoticon%2F1_46.gif"> 칭찬과 감사는 댓글로 남겨주시면 됩니다.<IMG id=userImg8553656 src="https://img1.daumcdn.net/relay/cafe/original/?fname=http%3A%2F%2Fcafeimgs.naver.net%2Feditor%2Femoticon%2F1_10.gif">       [기본원칙들]   0.자산평가는 보수적으로 합니다. 자동차....이런거 자산에 안넣습니다. 일단 한번 장만한 자동차를 정리하는 경우가 있을까요? (드물게 강한 의지의 소유자분이 있긴합니다만) 의지가 아닌 경제상황때문에 자동차까지 포기할정도면 자산평가 필요없는 지경까지 갔다고봅니다. 그땐 더더욱 자산에 넣을필요가 없습니다. 고로 제게 이것은 자산이 아닙니다. 그냥 소모품입니다!!!!! 소장용 마이바흐도 아닌담에야-_-   부동산 시세차익은 팔아야 돈입니다. 올랐다면 <STRIKE>오른만큼</STRIKE> 구입한 가격으로 자산평가합니다. 내렸다면 매년 차액 반영하여 깝니다. (보수적이라니깐)   달러 금 전부 마찬가지입니다.   1.금액기준으로 운용하지 않습니다. 위에 0번에서 저래 말하니까 무슨 자산 깔아놓고 운용하는줄 아시는데, 아니고여.   이거 얼마나 된다고...(네네 얼마 안되니까 저 주세요) 이돈가지고 뭘 굴려......(그러니까 굴리지말고 나달라고!!!!!) 이런 생각안합니다. 적다고 안하는 사람 많아도 안합니다. 그릇을 키워야 로또 당첨되도 잘 관리하고 살죠 ㅋㅋㅋ<IMG id=userImg3092291 src="https://img1.daumcdn.net/relay/cafe/original/?fname=http%3A%2F%2Fcafeimgs.naver.net%2Feditor%2Femoticon%2F1_10.gif">   적으나 많으나 한다고 생각한건 해봅니다. 수익이나 이자율이 아니라 개설하고 투자하고 시도해보는 과정에 또다른 가치가 있습니다. 그리고 그걸 하기 위해서 적으나 많으나 공부를 합니다. 경험과 행동으로 옮기는 노력의 가치는 돈으로 환산이 안됩니다. 때되면 하겠지, 그때가서 해보지 이런사람이 그때가서 하는거 못봤습니다.   뭐 그래봤자, 저는 일말의 투기성이라도 있는 분야는 안하니까, 폭이 좁습니다. 또는 같은걸 운용하더라도 눈앞의 이익을 보고 하지 않습니다.   암튼, 첫번째 전제가 보수적이라고 했자나요.ㅋ 여튼, 얼마가 되었든 관심가는건 직접 해봅니다.   2.모든 자산은 통장으로 환산합니다. 그래서 실시간 통장합산금액이 저의 보수적인 자산금액과 일치합니다. 언제나 모든 잔고와 자산총액이 눈에 보이는 상태입니다.   3.꼼수쓰지않습니다. 이건 꽁돈생긴거니까 통장에 꽂아두고 급할때 이걸로.... 꽁돈도 수입잡고 비상금도 잔고 잡습니다. 상품권도 통장으로 설정합니다. 그런것들도 엄연히 수입이고 지출됩니다. 게다가 그런것들을 빼면 정확한 경제규모 및 흐름파악에 오차를 일으킵니다. (고백하자면, 월말 가계부 정산 끝냈는데 말일에 지출생긴건 담달로 하루이틀 미루는 꼼수는 씁니다)   사실상 설명드리면서 다 말씀드린지라 아래 리스트가 큰 의미는 없을듯한데 아뭏튼.     <TABLE style="WIDTH: 130pt; BORDER-COLLAPSE: collapse" border=0 cellSpacing=0 cellPadding=0 width=173> <COLGROUP> <COL style="WIDTH: 13pt; mso-width-source: userset; mso-width-alt: 621" width=17> <COL style="WIDTH: 117pt; mso-width-source: userset; mso-width-alt: 5705" width=156></COLGROUP> <TBODY> <TR style="HEIGHT: 17.25pt" height=23> <TD style="BORDER-BOTTOM: #f0f0f0; BORDER-LEFT: #f0f0f0; BACKGROUND-COLOR: #92d050; WIDTH: 130pt; FONT-FAMILY: 957317_10; HEIGHT: 17.25pt; FONT-SIZE: 10pt; BORDER-TOP: #f0f0f0; BORDER-RIGHT: #f0f0f0; mso-ignore: colspan" class=xl157 height=23 width=173 colSpan=2>요구불성</TD></TR> <TR style="HEIGHT: 13.5pt; mso-height-source: userset" height=18> <TD style="BORDER-BOTTOM: #f0f0f0; BORDER-LEFT: #f0f0f0; BACKGROUND-COLOR: transparent; FONT-FAMILY: 957317_10; HEIGHT: 13.5pt; FONT-SIZE: 10pt; BORDER-TOP: #f0f0f0; BORDER-RIGHT: #f0f0f0" class=xl152 height=18></TD> <TD style="BORDER-BOTTOM: #f0f0f0; BORDER-LEFT: #f0f0f0; BACKGROUND-COLOR: transparent; FONT-FAMILY: 957317_10; FONT-SIZE: 10pt; BORDER-TOP: #f0f0f0; BORDER-RIGHT: #f0f0f0" class=xl156>하나</TD></TR> <TR style="HEIGHT: 13.5pt; mso-height-source: userset" height=18> <TD style="BORDER-BOTTOM: #f0f0f0; BORDER-LEFT: #f0f0f0; BACKGROUND-COLOR: transparent; FONT-FAMILY: 957317_10; HEIGHT: 13.5pt; FONT-SIZE: 10pt; BORDER-TOP: #f0f0f0; BORDER-RIGHT: #f0f0f0" class=xl154 height=18></TD> <TD style="BORDER-BOTTOM: #f0f0f0; BORDER-LEFT: #f0f0f0; BACKGROUND-COLOR: transparent; FONT-FAMILY: 957317_10; FONT-SIZE: 10pt; BORDER-TOP: #f0f0f0; BORDER-RIGHT: #f0f0f0" class=xl156>KDB</TD></TR> <TR style="HEIGHT: 15pt; mso-height-source: userset" height=20> <TD style="BORDER-BOTTOM: #f0f0f0; BORDER-LEFT: #f0f0f0; BACKGROUND-COLOR: transparent; FONT-FAMILY: 957317_10; HEIGHT: 15pt; FONT-SIZE: 10pt; BORDER-TOP: #f0f0f0; BORDER-RIGHT: #f0f0f0" class=xl152 height=20></TD> <TD style="BORDER-BOTTOM: #f0f0f0; BORDER-LEFT: #f0f0f0; BACKGROUND-COLOR: transparent; FONT-FAMILY: 957317_10; FONT-SIZE: 10pt; BORDER-TOP: #f0f0f0; BORDER-RIGHT: #f0f0f0" class=xl156>우리</TD></TR> <TR style="HEIGHT: 15pt; mso-height-source: userset" height=20> <TD style="BORDER-BOTTOM: #f0f0f0; BORDER-LEFT: #f0f0f0; BACKGROUND-COLOR: transparent; FONT-FAMILY: 957317_10; HEIGHT: 15pt; FONT-SIZE: 10pt; BORDER-TOP: #f0f0f0; BORDER-RIGHT: #f0f0f0" class=xl152 height=20></TD> <TD style="BORDER-BOTTOM: #f0f0f0; BORDER-LEFT: #f0f0f0; BACKGROUND-COLOR: transparent; FONT-FAMILY: 957317_10; FONT-SIZE: 10pt; BORDER-TOP: #f0f0f0; BORDER-RIGHT: #f0f0f0" class=xl156>외환</TD></TR> <TR style="HEIGHT: 15pt; mso-height-source: userset" height=20> <TD style="BORDER-BOTTOM: #f0f0f0; BORDER-LEFT: #f0f0f0; BACKGROUND-COLOR: transparent; FONT-FAMILY: 957317_10; HEIGHT: 15pt; FONT-SIZE: 10pt; BORDER-TOP: #f0f0f0; BORDER-RIGHT: #f0f0f0" class=xl152 height=20></TD> <TD style="BORDER-BOTTOM: #f0f0f0; BORDER-LEFT: #f0f0f0; BACKGROUND-COLOR: transparent; FONT-FAMILY: 957317_10; FONT-SIZE: 10pt; BORDER-TOP: #f0f0f0; BORDER-RIGHT: #f0f0f0" class=xl156>시티</TD></TR> <TR style="HEIGHT: 15pt; mso-height-source: userset" height=20> <TD style="BORDER-BOTTOM: #f0f0f0; BORDER-LEFT: #f0f0f0; BACKGROUND-COLOR: transparent; FONT-FAMILY: 957317_10; HEIGHT: 15pt; FONT-SIZE: 10pt; BORDER-TOP: #f0f0f0; BORDER-RIGHT: #f0f0f0" class=xl154 height=20></TD> <TD style="BORDER-BOTTOM: #f0f0f0; BORDER-LEFT: #f0f0f0; BACKGROUND-COLOR: transparent; FONT-FAMILY: 957317_10; FONT-SIZE: 10pt; BORDER-TOP: #f0f0f0; BORDER-RIGHT: #f0f0f0" class=xl156>SC제일은행</TD></TR> <TR style="HEIGHT: 15pt; mso-height-source: userset" height=20> <TD style="BORDER-BOTTOM: #f0f0f0; BORDER-LEFT: #f0f0f0; BACKGROUND-COLOR: transparent; FONT-FAMILY: 957317_10; HEIGHT: 15pt; FONT-SIZE: 10pt; BORDER-TOP: #f0f0f0; BORDER-RIGHT: #f0f0f0" class=xl154 height=20></TD> <TD style="BORDER-BOTTOM: #f0f0f0; BORDER-LEFT: #f0f0f0; BACKGROUND-COLOR: transparent; FONT-FAMILY: 957317_10; FONT-SIZE: 10pt; BORDER-TOP: #f0f0f0; BORDER-RIGHT: #f0f0f0" class=xl156>국민</TD></TR> <TR style="HEIGHT: 15pt; mso-height-source: userset" height=20> <TD style="BORDER-BOTTOM: #f0f0f0; BORDER-LEFT: #f0f0f0; BACKGROUND-COLOR: transparent; FONT-FAMILY: 957317_10; HEIGHT: 15pt; FONT-SIZE: 10pt; BORDER-TOP: #f0f0f0; BORDER-RIGHT: #f0f0f0" class=xl152 height=20></TD> <TD style="BORDER-BOTTOM: #f0f0f0; BORDER-LEFT: #f0f0f0; BACKGROUND-COLOR: transparent; FONT-FAMILY: 957317_10; FONT-SIZE: 10pt; BORDER-TOP: #f0f0f0; BORDER-RIGHT: #f0f0f0" class=xl156>신한</TD></TR> <TR style="HEIGHT: 15pt; mso-height-source: userset" height=20> <TD style="BORDER-BOTTOM: #f0f0f0; BORDER-LEFT: #f0f0f0; BACKGROUND-COLOR: #f2f2f2; FONT-FAMILY: 957317_10; HEIGHT: 15pt; FONT-SIZE: 10pt; BORDER-TOP: #f0f0f0; BORDER-RIGHT: #f0f0f0" class=xl162 height=20>　</TD> <TD style="BORDER-BOTTOM: #f0f0f0; BORDER-LEFT: #f0f0f0; BACKGROUND-COLOR: #f2f2f2; FONT-FAMILY: 957317_10; FONT-SIZE: 10pt; BORDER-TOP: #f0f0f0; BORDER-RIGHT: #f0f0f0" class=xl160>하나</TD></TR> <TR style="HEIGHT: 15pt; mso-height-source: userset" height=20> <TD style="BORDER-BOTTOM: #f0f0f0; BORDER-LEFT: #f0f0f0; BACKGROUND-COLOR: transparent; FONT-FAMILY: 957317_10; HEIGHT: 15pt; FONT-SIZE: 10pt; BORDER-TOP: #f0f0f0; BORDER-RIGHT: #f0f0f0" class=xl154 height=20></TD> <TD style="BORDER-BOTTOM: #f0f0f0; BORDER-LEFT: #f0f0f0; BACKGROUND-COLOR: transparent; FONT-FAMILY: 957317_10; FONT-SIZE: 10pt; BORDER-TOP: #f0f0f0; BORDER-RIGHT: #f0f0f0" class=xl156>새마을송탄 </TD></TR> <TR style="HEIGHT: 15pt; mso-height-source: userset" height=20> <TD style="BORDER-BOTTOM: #f0f0f0; BORDER-LEFT: #f0f0f0; BACKGROUND-COLOR: transparent; FONT-FAMILY: 957317_10; HEIGHT: 15pt; FONT-SIZE: 10pt; BORDER-TOP: #f0f0f0; BORDER-RIGHT: #f0f0f0" class=xl154 height=20></TD> <TD style="BORDER-BOTTOM: #f0f0f0; BORDER-LEFT: #f0f0f0; BACKGROUND-COLOR: transparent; FONT-FAMILY: 957317_10; FONT-SIZE: 10pt; BORDER-TOP: #f0f0f0; BORDER-RIGHT: #f0f0f0" class=xl156>새마을송탄ㅡ예탁금</TD></TR> <TR style="HEIGHT: 14.25pt; mso-height-source: userset" height=19> <TD style="BORDER-BOTTOM: #f0f0f0; BORDER-LEFT: #f0f0f0; BACKGROUND-COLOR: transparent; FONT-FAMILY: 957317_10; HEIGHT: 14.25pt; FONT-SIZE: 10pt; BORDER-TOP: #f0f0f0; BORDER-RIGHT: #f0f0f0" class=xl154 height=19></TD> <TD style="BORDER-BOTTOM: #f0f0f0; BORDER-LEFT: #f0f0f0; BACKGROUND-COLOR: transparent; FONT-FAMILY: 957317_10; FONT-SIZE: 10pt; BORDER-TOP: #f0f0f0; BORDER-RIGHT: #f0f0f0" class=xl156>새마을전자ㅡ예탁금</TD></TR></TBODY></TABLE>   이 많은 통장은 다 쓰지는 않지만, 굳이 없애지는 않고 있어요. 그때그때 조건에 따라 운용. 하나은행이 메인이고 KDB 수시입출금 이자율때문에 보조로 쓰고 있습니다.   <TABLE style="WIDTH: 130pt; BORDER-COLLAPSE: collapse" border=0 cellSpacing=0 cellPadding=0 width=173> <COLGROUP> <COL style="WIDTH: 13pt; mso-width-source: userset; mso-width-alt: 621" width=17> <COL style="WIDTH: 117pt; mso-width-source: userset; mso-width-alt: 5705" width=156></COLGROUP> <TBODY> <TR style="HEIGHT: 17.25pt" height=23> <TD style="BORDER-BOTTOM: #f0f0f0; BORDER-LEFT: #f0f0f0; BACKGROUND-COLOR: #92d050; WIDTH: 130pt; FONT-FAMILY: 957317_10; HEIGHT: 17.25pt; FONT-SIZE: 10pt; BORDER-TOP: #f0f0f0; BORDER-RIGHT: #f0f0f0; mso-ignore: colspan" class=xl155 height=23 width=173 colSpan=2>저축은행</TD></TR> <TR style="HEIGHT: 15pt; mso-height-source: userset" height=20> <TD style="BORDER-BOTTOM: #f0f0f0; BORDER-LEFT: #f0f0f0; BACKGROUND-COLOR: transparent; FONT-FAMILY: 957317_10; HEIGHT: 15pt; FONT-SIZE: 10pt; BORDER-TOP: #f0f0f0; BORDER-RIGHT: #f0f0f0" class=xl152 height=20></TD> <TD style="BORDER-BOTTOM: #f0f0f0; BORDER-LEFT: #f0f0f0; BACKGROUND-COLOR: transparent; FONT-FAMILY: 957317_10; FONT-SIZE: 10pt; BORDER-TOP: #f0f0f0; BORDER-RIGHT: #f0f0f0" class=xl154>SBI1</TD></TR> <TR style="HEIGHT: 15pt; mso-height-source: userset" height=20> <TD style="BORDER-BOTTOM: #f0f0f0; BORDER-LEFT: #f0f0f0; BACKGROUND-COLOR: transparent; FONT-FAMILY: 957317_10; HEIGHT: 15pt; FONT-SIZE: 10pt; BORDER-TOP: #f0f0f0; BORDER-RIGHT: #f0f0f0" class=xl152 height=20></TD> <TD style="BORDER-BOTTOM: #f0f0f0; BORDER-LEFT: #f0f0f0; BACKGROUND-COLOR: transparent; FONT-FAMILY: 957317_10; FONT-SIZE: 10pt; BORDER-TOP: #f0f0f0; BORDER-RIGHT: #f0f0f0" class=xl154>SBI2</TD></TR> <TR style="HEIGHT: 15pt; mso-height-source: userset" height=20> <TD style="BORDER-BOTTOM: #f0f0f0; BORDER-LEFT: #f0f0f0; BACKGROUND-COLOR: transparent; FONT-FAMILY: 957317_10; HEIGHT: 15pt; FONT-SIZE: 10pt; BORDER-TOP: #f0f0f0; BORDER-RIGHT: #f0f0f0" class=xl152 height=20></TD> <TD style="BORDER-BOTTOM: #f0f0f0; BORDER-LEFT: #f0f0f0; BACKGROUND-COLOR: transparent; FONT-FAMILY: 957317_10; FONT-SIZE: 10pt; BORDER-TOP: #f0f0f0; BORDER-RIGHT: #f0f0f0" class=xl154>SBI3</TD></TR> <TR style="HEIGHT: 15pt; mso-height-source: userset" height=20> <TD style="BORDER-BOTTOM: #f0f0f0; BORDER-LEFT: #f0f0f0; BACKGROUND-COLOR: transparent; FONT-FAMILY: 957317_10; HEIGHT: 15pt; FONT-SIZE: 10pt; BORDER-TOP: #f0f0f0; BORDER-RIGHT: #f0f0f0" class=xl152 height=20></TD> <TD style="BORDER-BOTTOM: #f0f0f0; BORDER-LEFT: #f0f0f0; BACKGROUND-COLOR: transparent; FONT-FAMILY: 957317_10; FONT-SIZE: 10pt; BORDER-TOP: #f0f0f0; BORDER-RIGHT: #f0f0f0" class=xl154>SBI4</TD></TR> <TR style="HEIGHT: 15pt; mso-height-source: userset" height=20> <TD style="BORDER-BOTTOM: #f0f0f0; BORDER-LEFT: #f0f0f0; BACKGROUND-COLOR: transparent; FONT-FAMILY: 957317_10; HEIGHT: 15pt; FONT-SIZE: 10pt; BORDER-TOP: #f0f0f0; BORDER-RIGHT: #f0f0f0" class=xl152 height=20></TD> <TD style="BORDER-BOTTOM: #f0f0f0; BORDER-LEFT: #f0f0f0; BACKGROUND-COLOR: transparent; FONT-FAMILY: 957317_10; FONT-SIZE: 10pt; BORDER-TOP: #f0f0f0; BORDER-RIGHT: #f0f0f0" class=xl159>동부 </TD></TR> <TR style="HEIGHT: 15pt; mso-height-source: userset" height=20> <TD style="BORDER-BOTTOM: #f0f0f0; BORDER-LEFT: #f0f0f0; BACKGROUND-COLOR: yellow; FONT-FAMILY: 957317_10; HEIGHT: 15pt; FONT-SIZE: 10pt; BORDER-TOP: #f0f0f0; BORDER-RIGHT: #f0f0f0" class=xl160 height=20>　</TD> <TD style="BORDER-BOTTOM: #f0f0f0; BORDER-LEFT: #f0f0f0; BACKGROUND-COLOR: yellow; FONT-FAMILY: 957317_10; FONT-SIZE: 10pt; BORDER-TOP: #f0f0f0; BORDER-RIGHT: #f0f0f0" class=xl161>아주</TD></TR> <TR style="HEIGHT: 14.25pt; mso-height-source: userset" height=19> <TD style="BORDER-BOTTOM: #f0f0f0; BORDER-LEFT: #f0f0f0; BACKGROUND-COLOR: transparent; FONT-FAMILY: 957317_10; HEIGHT: 14.25pt; FONT-SIZE: 10pt; BORDER-TOP: #f0f0f0; BORDER-RIGHT: #f0f0f0" class=xl152 height=19></TD> <TD style="BORDER-BOTTOM: #f0f0f0; BORDER-LEFT: #f0f0f0; BACKGROUND-COLOR: transparent; FONT-FAMILY: 957317_10; FONT-SIZE: 10pt; BORDER-TOP: #f0f0f0; BORDER-RIGHT: #f0f0f0" class=xl163>신안 </TD></TR> <TR style="HEIGHT: 15pt; mso-height-source: userset" height=20> <TD style="BORDER-BOTTOM: #f0f0f0; BORDER-LEFT: #f0f0f0; BACKGROUND-COLOR: transparent; FONT-FAMILY: 957317_10; HEIGHT: 15pt; FONT-SIZE: 10pt; BORDER-TOP: #f0f0f0; BORDER-RIGHT: #f0f0f0" class=xl152 height=20></TD> <TD style="BORDER-BOTTOM: #f0f0f0; BORDER-LEFT: #f0f0f0; BACKGROUND-COLOR: transparent; FONT-FAMILY: 957317_10; FONT-SIZE: 10pt; BORDER-TOP: #f0f0f0; BORDER-RIGHT: #f0f0f0" class=xl163>민국 </TD></TR> <TR style="HEIGHT: 15pt; mso-height-source: userset" height=20> <TD style="BORDER-BOTTOM: #f0f0f0; BORDER-LEFT: #f0f0f0; BACKGROUND-COLOR: transparent; FONT-FAMILY: 957317_10; HEIGHT: 15pt; FONT-SIZE: 10pt; BORDER-TOP: #f0f0f0; BORDER-RIGHT: #f0f0f0" class=xl152 height=20></TD> <TD style="BORDER-BOTTOM: #f0f0f0; BORDER-LEFT: #f0f0f0; BACKGROUND-COLOR: transparent; FONT-FAMILY: 957317_10; FONT-SIZE: 10pt; BORDER-TOP: #f0f0f0; BORDER-RIGHT: #f0f0f0" class=xl163>k </TD></TR> <TR style="HEIGHT: 15pt; mso-height-source: userset" height=20> <TD style="BORDER-BOTTOM: #f0f0f0; BORDER-LEFT: #f0f0f0; BACKGROUND-COLOR: transparent; FONT-FAMILY: 957317_10; HEIGHT: 15pt; FONT-SIZE: 10pt; BORDER-TOP: #f0f0f0; BORDER-RIGHT: #f0f0f0" class=xl152 height=20></TD> <TD style="BORDER-BOTTOM: #f0f0f0; BORDER-LEFT: #f0f0f0; BACKGROUND-COLOR: transparent; FONT-FAMILY: 957317_10; FONT-SIZE: 10pt; BORDER-TOP: #f0f0f0; BORDER-RIGHT: #f0f0f0" class=xl163>한신 </TD></TR> <TR style="HEIGHT: 15pt; mso-height-source: userset" height=20> <TD style="BORDER-BOTTOM: #f0f0f0; BORDER-LEFT: #f0f0f0; BACKGROUND-COLOR: transparent; FONT-FAMILY: 957317_10; HEIGHT: 15pt; FONT-SIZE: 10pt; BORDER-TOP: #f0f0f0; BORDER-RIGHT: #f0f0f0" class=xl152 height=20></TD> <TD style="BORDER-BOTTOM: #f0f0f0; BORDER-LEFT: #f0f0f0; BACKGROUND-COLOR: transparent; FONT-FAMILY: 957317_10; FONT-SIZE: 10pt; BORDER-TOP: #f0f0f0; BORDER-RIGHT: #f0f0f0" class=xl163>모아 </TD></TR> <TR style="HEIGHT: 15pt; mso-height-source: userset" height=20> <TD style="BORDER-BOTTOM: #f0f0f0; BORDER-LEFT: #f0f0f0; BACKGROUND-COLOR: transparent; FONT-FAMILY: 957317_10; HEIGHT: 15pt; FONT-SIZE: 10pt; BORDER-TOP: #f0f0f0; BORDER-RIGHT: #f0f0f0" class=xl152 height=20></TD> <TD style="BORDER-BOTTOM: #f0f0f0; BORDER-LEFT: #f0f0f0; BACKGROUND-COLOR: transparent; FONT-FAMILY: 957317_10; FONT-SIZE: 10pt; BORDER-TOP: #f0f0f0; BORDER-RIGHT: #f0f0f0" class=xl154>스카이</TD></TR> <TR style="HEIGHT: 15pt; mso-height-source: userset" height=20> <TD style="BORDER-BOTTOM: #f0f0f0; BORDER-LEFT: #f0f0f0; BACKGROUND-COLOR: transparent; FONT-FAMILY: 957317_10; HEIGHT: 15pt; FONT-SIZE: 10pt; BORDER-TOP: #f0f0f0; BORDER-RIGHT: #f0f0f0" class=xl152 height=20></TD> <TD style="BORDER-BOTTOM: #f0f0f0; BORDER-LEFT: #f0f0f0; BACKGROUND-COLOR: transparent; FONT-FAMILY: 957317_10; FONT-SIZE: 10pt; BORDER-TOP: #f0f0f0; BORDER-RIGHT: #f0f0f0" class=xl154>우리금융</TD></TR> <TR style="HEIGHT: 15pt; mso-height-source: userset" height=20> <TD style="BORDER-BOTTOM: #f0f0f0; BORDER-LEFT: #f0f0f0; BACKGROUND-COLOR: #f2f2f2; FONT-FAMILY: 957317_10; HEIGHT: 15pt; FONT-SIZE: 10pt; BORDER-TOP: #f0f0f0; BORDER-RIGHT: #f0f0f0" class=xl164 height=20>　</TD> <TD style="BORDER-BOTTOM: #f0f0f0; BORDER-LEFT: #f0f0f0; BACKGROUND-COLOR: #f2f2f2; FONT-FAMILY: 957317_10; FONT-SIZE: 10pt; BORDER-TOP: #f0f0f0; BORDER-RIGHT: #f0f0f0" class=xl165>아주</TD></TR> <TR style="HEIGHT: 15pt; mso-height-source: userset" height=20> <TD style="BORDER-BOTTOM: #f0f0f0; BORDER-LEFT: #f0f0f0; BACKGROUND-COLOR: #f2f2f2; FONT-FAMILY: 957317_10; HEIGHT: 15pt; FONT-SIZE: 10pt; BORDER-TOP: #f0f0f0; BORDER-RIGHT: #f0f0f0" class=xl164 height=20>　</TD> <TD style="BORDER-BOTTOM: #f0f0f0; BORDER-LEFT: #f0f0f0; BACKGROUND-COLOR: #f2f2f2; FONT-FAMILY: 957317_10; FONT-SIZE: 10pt; BORDER-TOP: #f0f0f0; BORDER-RIGHT: #f0f0f0" class=xl165>SBI1</TD></TR></TBODY></TABLE>   저축은행계좌는 더 많습니다. 구르는돈 운용을 위해서 휴가내고 강남권 한바퀴 돌면서 개설할수 있는만큼 개설했어요. 구르는돈에 대한 문의나 논쟁은 사양하겠습니다.   역시 이걸 다 쓰고 있지는 않지만 차곡차곡 늘릴겁니다. 원래 여유자금 (얼마가 되었든!!!!!) KDB이용하다가 (2.25에서 요즘 1.85까지 떨어짐) 개설하면서 아주 저축은행 수시입출금 통장이 메리트가 있어서 여유자금 수시로 모조리 아주에 붓고 있습니다. 수시입출금 이율 2.5프로입니다. 대신 이자지급이 4분기마다 한번씩입니다.   <TABLE style="WIDTH: 130pt; BORDER-COLLAPSE: collapse" border=0 cellSpacing=0 cellPadding=0 width=173> <COLGROUP> <COL style="WIDTH: 13pt; mso-width-source: userset; mso-width-alt: 621" width=17> <COL style="WIDTH: 117pt; mso-width-source: userset; mso-width-alt: 5705" width=156></COLGROUP> <TBODY> <TR style="HEIGHT: 17.25pt" height=23> <TD style="BORDER-BOTTOM: #f0f0f0; BORDER-LEFT: #f0f0f0; BACKGROUND-COLOR: #92d050; WIDTH: 130pt; FONT-FAMILY: 957317_10; HEIGHT: 17.25pt; FONT-SIZE: 10pt; BORDER-TOP: #f0f0f0; BORDER-RIGHT: #f0f0f0; mso-ignore: colspan" class=xl156 height=23 width=173 colSpan=2>예적금</TD></TR> <TR style="HEIGHT: 15pt; mso-height-source: userset" height=20> <TD style="BORDER-BOTTOM: #f0f0f0; BORDER-LEFT: #f0f0f0; BACKGROUND-COLOR: transparent; FONT-FAMILY: 957317_10; HEIGHT: 15pt; FONT-SIZE: 10pt; BORDER-TOP: #f0f0f0; BORDER-RIGHT: #f0f0f0" class=xl152 height=20></TD> <TD style="BORDER-BOTTOM: #f0f0f0; BORDER-LEFT: #f0f0f0; BACKGROUND-COLOR: transparent; FONT-FAMILY: 957317_10; FONT-SIZE: 10pt; BORDER-TOP: #f0f0f0; BORDER-RIGHT: #f0f0f0" class=xl154>사내무이자대출장기</TD></TR> <TR style="HEIGHT: 15pt; mso-height-source: userset" height=20> <TD style="BORDER-BOTTOM: #f0f0f0; BORDER-LEFT: #f0f0f0; BACKGROUND-COLOR: transparent; FONT-FAMILY: 957317_10; HEIGHT: 15pt; FONT-SIZE: 10pt; BORDER-TOP: #f0f0f0; BORDER-RIGHT: #f0f0f0" class=xl152 height=20 align=right>1</TD> <TD style="BORDER-BOTTOM: #f0f0f0; BORDER-LEFT: #f0f0f0; BACKGROUND-COLOR: transparent; FONT-FAMILY: 957317_10; FONT-SIZE: 10pt; BORDER-TOP: #f0f0f0; BORDER-RIGHT: #f0f0f0" class=xl154>2Y141205새마을3.8+</TD></TR> <TR style="HEIGHT: 13.5pt; mso-height-source: userset" height=18> <TD style="BORDER-BOTTOM: #f0f0f0; BORDER-LEFT: #f0f0f0; BACKGROUND-COLOR: transparent; FONT-FAMILY: 957317_10; HEIGHT: 13.5pt; FONT-SIZE: 10pt; BORDER-TOP: #f0f0f0; BORDER-RIGHT: #f0f0f0" class=xl152 height=18 align=right>2</TD> <TD style="BORDER-BOTTOM: #f0f0f0; BORDER-LEFT: #f0f0f0; BACKGROUND-COLOR: transparent; FONT-FAMILY: 957317_10; FONT-SIZE: 10pt; BORDER-TOP: #f0f0f0; BORDER-RIGHT: #f0f0f0" class=xl159>3Y150915KDB만원3.68</TD></TR> <TR style="HEIGHT: 15pt; mso-height-source: userset" height=20> <TD style="BORDER-BOTTOM: #f0f0f0; BORDER-LEFT: #f0f0f0; BACKGROUND-COLOR: transparent; FONT-FAMILY: 957317_10; HEIGHT: 15pt; FONT-SIZE: 10pt; BORDER-TOP: #f0f0f0; BORDER-RIGHT: #f0f0f0" class=xl152 height=20 align=right>3</TD> <TD style="BORDER-BOTTOM: #f0f0f0; BORDER-LEFT: #f0f0f0; BACKGROUND-COLOR: transparent; FONT-FAMILY: 957317_10; FONT-SIZE: 10pt; BORDER-TOP: #f0f0f0; BORDER-RIGHT: #f0f0f0" class=xl154>3Y150927신한월복리4.5</TD></TR> <TR style="HEIGHT: 15pt; mso-height-source: userset" height=20> <TD style="BORDER-BOTTOM: #f0f0f0; BORDER-LEFT: #f0f0f0; BACKGROUND-COLOR: transparent; FONT-FAMILY: 957317_10; HEIGHT: 15pt; FONT-SIZE: 10pt; BORDER-TOP: #f0f0f0; BORDER-RIGHT: #f0f0f0" class=xl152 height=20 align=right>4</TD> <TD style="BORDER-BOTTOM: #f0f0f0; BORDER-LEFT: #f0f0f0; BACKGROUND-COLOR: transparent; FONT-FAMILY: 957317_10; FONT-SIZE: 10pt; BORDER-TOP: #f0f0f0; BORDER-RIGHT: #f0f0f0" class=xl154>3Y151205새마을3.9+</TD></TR> <TR style="HEIGHT: 13.5pt; mso-height-source: userset" height=18> <TD style="BORDER-BOTTOM: #f0f0f0; BORDER-LEFT: #f0f0f0; BACKGROUND-COLOR: transparent; FONT-FAMILY: 957317_10; HEIGHT: 13.5pt; FONT-SIZE: 10pt; BORDER-TOP: #f0f0f0; BORDER-RIGHT: #f0f0f0" class=xl152 height=18></TD> <TD style="BORDER-BOTTOM: #f0f0f0; BORDER-LEFT: #f0f0f0; BACKGROUND-COLOR: red; FONT-FAMILY: 957317_10; FONT-SIZE: 10pt; BORDER-TOP: #f0f0f0; BORDER-RIGHT: #f0f0f0" class=xl155>7Y190430하나미래에셋</TD></TR></TBODY></TABLE>   일반예적금은 이제 추가하지 않습니다. 구르는돈으로 전환합니다. 기본적으로 만기가 있는 예적금은 표기방식이 있습니다. 납입기간+만기일+은행+이자율로 표기합니다.   <TABLE style="WIDTH: 130pt; BORDER-COLLAPSE: collapse" border=0 cellSpacing=0 cellPadding=0 width=173> <COLGROUP> <COL style="WIDTH: 13pt; mso-width-source: userset; mso-width-alt: 621" width=17> <COL style="WIDTH: 117pt; mso-width-source: userset; mso-width-alt: 5705" width=156></COLGROUP> <TBODY> <TR style="HEIGHT: 15pt; mso-height-source: userset" height=20> <TD style="BORDER-BOTTOM: #f0f0f0; BORDER-LEFT: #f0f0f0; BACKGROUND-COLOR: #92d050; WIDTH: 130pt; FONT-FAMILY: 957317_10; HEIGHT: 15pt; FONT-SIZE: 10pt; BORDER-TOP: #f0f0f0; BORDER-RIGHT: #f0f0f0; mso-ignore: colspan" class=xl156 height=20 width=173 colSpan=2>구르는돈</TD></TR> <TR style="HEIGHT: 15pt; mso-height-source: userset" height=20> <TD style="BORDER-BOTTOM: #f0f0f0; BORDER-LEFT: #f0f0f0; BACKGROUND-COLOR: transparent; FONT-FAMILY: 957317_10; HEIGHT: 15pt; FONT-SIZE: 10pt; BORDER-TOP: #f0f0f0; BORDER-RIGHT: #f0f0f0" class=xl152 height=20 align=right>9</TD> <TD style="BORDER-BOTTOM: #f0f0f0; BORDER-LEFT: #f0f0f0; BACKGROUND-COLOR: transparent; FONT-FAMILY: 957317_10; FONT-SIZE: 10pt; BORDER-TOP: #f0f0f0; BORDER-RIGHT: #f0f0f0" class=xl154>141201ㅡSBI(1)4.0</TD></TR> <TR style="HEIGHT: 15pt; mso-height-source: userset" height=20> <TD style="BORDER-BOTTOM: #f0f0f0; BORDER-LEFT: #f0f0f0; BACKGROUND-COLOR: transparent; FONT-FAMILY: 957317_10; HEIGHT: 15pt; FONT-SIZE: 10pt; BORDER-TOP: #f0f0f0; BORDER-RIGHT: #f0f0f0" class=xl152 height=20 align=right>8</TD> <TD style="BORDER-BOTTOM: #f0f0f0; BORDER-LEFT: #f0f0f0; BACKGROUND-COLOR: transparent; FONT-FAMILY: 957317_10; FONT-SIZE: 10pt; BORDER-TOP: #f0f0f0; BORDER-RIGHT: #f0f0f0" class=xl154>141031ㅡ아주4.0</TD></TR> <TR style="HEIGHT: 15pt; mso-height-source: userset" height=20> <TD style="BORDER-BOTTOM: #f0f0f0; BORDER-LEFT: #f0f0f0; BACKGROUND-COLOR: transparent; FONT-FAMILY: 957317_10; HEIGHT: 15pt; FONT-SIZE: 10pt; BORDER-TOP: #f0f0f0; BORDER-RIGHT: #f0f0f0" class=xl152 height=20 align=right>7</TD> <TD style="BORDER-BOTTOM: #f0f0f0; BORDER-LEFT: #f0f0f0; BACKGROUND-COLOR: transparent; FONT-FAMILY: 957317_10; FONT-SIZE: 10pt; BORDER-TOP: #f0f0f0; BORDER-RIGHT: #f0f0f0" class=xl154>141001ㅡSBI2.4.3</TD></TR> <TR style="HEIGHT: 15pt; mso-height-source: userset" height=20> <TD style="BORDER-BOTTOM: #f0f0f0; BORDER-LEFT: #f0f0f0; BACKGROUND-COLOR: transparent; FONT-FAMILY: 957317_10; HEIGHT: 15pt; FONT-SIZE: 10pt; BORDER-TOP: #f0f0f0; BORDER-RIGHT: #f0f0f0" class=xl152 height=20 align=right>6</TD> <TD style="BORDER-BOTTOM: #f0f0f0; BORDER-LEFT: #f0f0f0; BACKGROUND-COLOR: transparent; FONT-FAMILY: 957317_10; FONT-SIZE: 10pt; BORDER-TOP: #f0f0f0; BORDER-RIGHT: #f0f0f0" class=xl154>140903ㅡ아주4.0</TD></TR> <TR style="HEIGHT: 15pt; mso-height-source: userset" height=20> <TD style="BORDER-BOTTOM: #f0f0f0; BORDER-LEFT: #f0f0f0; BACKGROUND-COLOR: transparent; FONT-FAMILY: 957317_10; HEIGHT: 15pt; FONT-SIZE: 10pt; BORDER-TOP: #f0f0f0; BORDER-RIGHT: #f0f0f0" class=xl152 height=20 align=right>5</TD> <TD style="BORDER-BOTTOM: #f0f0f0; BORDER-LEFT: #f0f0f0; BACKGROUND-COLOR: transparent; FONT-FAMILY: 957317_10; FONT-SIZE: 10pt; BORDER-TOP: #f0f0f0; BORDER-RIGHT: #f0f0f0" class=xl154>140801ㅡSBI1.4.3</TD></TR> <TR style="HEIGHT: 15pt; mso-height-source: userset" height=20> <TD style="BORDER-BOTTOM: #f0f0f0; BORDER-LEFT: #f0f0f0; BACKGROUND-COLOR: transparent; FONT-FAMILY: 957317_10; HEIGHT: 15pt; FONT-SIZE: 10pt; BORDER-TOP: #f0f0f0; BORDER-RIGHT: #f0f0f0" class=xl152 height=20 align=right>4</TD> <TD style="BORDER-BOTTOM: #f0f0f0; BORDER-LEFT: #f0f0f0; BACKGROUND-COLOR: transparent; FONT-FAMILY: 957317_10; FONT-SIZE: 10pt; BORDER-TOP: #f0f0f0; BORDER-RIGHT: #f0f0f0" class=xl154>140701ㅡSBI4.4.4</TD></TR> <TR style="HEIGHT: 25.5pt; mso-height-source: userset" height=34> <TD style="BORDER-BOTTOM: #f0f0f0; BORDER-LEFT: #f0f0f0; BACKGROUND-COLOR: transparent; FONT-FAMILY: 957317_10; HEIGHT: 25.5pt; FONT-SIZE: 10pt; BORDER-TOP: #f0f0f0; BORDER-RIGHT: #f0f0f0" class=xl152 height=34 align=right>3</TD> <TD style="BORDER-BOTTOM: #f0f0f0; BORDER-LEFT: #f0f0f0; BACKGROUND-COLOR: transparent; WIDTH: 117pt; FONT-FAMILY: 957317_10; FONT-SIZE: 10pt; BORDER-TOP: #f0f0f0; BORDER-RIGHT: #f0f0f0" class=xl155 width=156>140530ㅡSBI3.4.6 140530ㅡSBI3.4.2</TD></TR> <TR style="HEIGHT: 15pt; mso-height-source: userset" height=20> <TD style="BORDER-BOTTOM: #f0f0f0; BORDER-LEFT: #f0f0f0; BACKGROUND-COLOR: transparent; FONT-FAMILY: 957317_10; HEIGHT: 15pt; FONT-SIZE: 10pt; BORDER-TOP: #f0f0f0; BORDER-RIGHT: #f0f0f0" class=xl152 height=20 align=right>2</TD> <TD style="BORDER-BOTTOM: #f0f0f0; BORDER-LEFT: #f0f0f0; BACKGROUND-COLOR: transparent; FONT-FAMILY: 957317_10; FONT-SIZE: 10pt; BORDER-TOP: #f0f0f0; BORDER-RIGHT: #f0f0f0" class=xl154>140502ㅡSBI2.4.4</TD></TR> <TR style="HEIGHT: 24.75pt; mso-height-source: userset" height=33> <TD style="BORDER-BOTTOM: #f0f0f0; BORDER-LEFT: #f0f0f0; BACKGROUND-COLOR: #fde9d9; FONT-FAMILY: 957317_10; HEIGHT: 24.75pt; FONT-SIZE: 10pt; BORDER-TOP: #f0f0f0; BORDER-RIGHT: #f0f0f0" class=xl159 height=33 align=right>1</TD> <TD style="BORDER-BOTTOM: #f0f0f0; BORDER-LEFT: #f0f0f0; BACKGROUND-COLOR: #fde9d9; WIDTH: 117pt; FONT-FAMILY: 957317_10; FONT-SIZE: 10pt; BORDER-TOP: #f0f0f0; BORDER-RIGHT: #f0f0f0" class=xl160 width=156>140401ㅡSBI1.4.4생계 140401ㅡSBI1.4.3</TD></TR></TBODY></TABLE> 구르는돈 엊그제 9회차 개설했습니다. 여기까지는 원래도 통장이고 관리도 통장입니다.   <TABLE style="WIDTH: 130pt; BORDER-COLLAPSE: collapse" border=0 cellSpacing=0 cellPadding=0 width=173> <COLGROUP> <COL style="WIDTH: 13pt; mso-width-source: userset; mso-width-alt: 621" width=17> <COL style="WIDTH: 117pt; mso-width-source: userset; mso-width-alt: 5705" width=156></COLGROUP> <TBODY> <TR style="HEIGHT: 17.25pt" height=23> <TD style="BORDER-BOTTOM: #f0f0f0; BORDER-LEFT: #f0f0f0; BACKGROUND-COLOR: #92d050; WIDTH: 130pt; FONT-FAMILY: 957317_10; HEIGHT: 17.25pt; FONT-SIZE: 10pt; BORDER-TOP: #f0f0f0; BORDER-RIGHT: #f0f0f0; mso-ignore: colspan" class=xl159 height=23 width=173 colSpan=2>잡다</TD></TR> <TR style="HEIGHT: 12.75pt; mso-height-source: userset" height=17> <TD style="BORDER-BOTTOM: #f0f0f0; BORDER-LEFT: #f0f0f0; BACKGROUND-COLOR: transparent; FONT-FAMILY: 957317_10; HEIGHT: 12.75pt; FONT-SIZE: 10pt; BORDER-TOP: #f0f0f0; BORDER-RIGHT: #f0f0f0" class=xl169 height=17></TD> <TD style="BORDER-BOTTOM: #f0f0f0; BORDER-LEFT: #f0f0f0; BACKGROUND-COLOR: transparent; FONT-FAMILY: 957317_10; FONT-SIZE: 10pt; BORDER-TOP: #f0f0f0; BORDER-RIGHT: #f0f0f0" class=xl157>우리사주XXXXX주</TD></TR> <TR style="HEIGHT: 14.25pt; mso-height-source: userset" height=19> <TD style="BORDER-BOTTOM: #f0f0f0; BORDER-LEFT: #f0f0f0; BACKGROUND-COLOR: transparent; FONT-FAMILY: 957317_10; HEIGHT: 14.25pt; FONT-SIZE: 10pt; BORDER-TOP: #f0f0f0; BORDER-RIGHT: #f0f0f0" class=xl169 height=19></TD> <TD style="BORDER-BOTTOM: #f0f0f0; BORDER-LEFT: #f0f0f0; BACKGROUND-COLOR: transparent; FONT-FAMILY: 957317_10; FONT-SIZE: 10pt; BORDER-TOP: #f0f0f0; BORDER-RIGHT: #f0f0f0" class=xl157>금</TD></TR> <TR style="HEIGHT: 13.5pt; mso-height-source: userset" height=18> <TD style="BORDER-BOTTOM: #f0f0f0; BORDER-LEFT: #f0f0f0; BACKGROUND-COLOR: transparent; FONT-FAMILY: 957317_10; HEIGHT: 13.5pt; FONT-SIZE: 10pt; BORDER-TOP: #f0f0f0; BORDER-RIGHT: #f0f0f0" class=xl158 height=18></TD> <TD style="BORDER-BOTTOM: #f0f0f0; BORDER-LEFT: #f0f0f0; BACKGROUND-COLOR: transparent; FONT-FAMILY: 957317_10; FONT-SIZE: 10pt; BORDER-TOP: #f0f0f0; BORDER-RIGHT: #f0f0f0" class=xl157>금XXXXX</TD></TR> <TR style="HEIGHT: 13.5pt; mso-height-source: userset" height=18> <TD style="BORDER-BOTTOM: #f0f0f0; BORDER-LEFT: #f0f0f0; BACKGROUND-COLOR: transparent; FONT-FAMILY: 957317_10; HEIGHT: 13.5pt; FONT-SIZE: 10pt; BORDER-TOP: #f0f0f0; BORDER-RIGHT: #f0f0f0" class=xl158 height=18></TD> <TD style="BORDER-BOTTOM: #f0f0f0; BORDER-LEFT: #f0f0f0; BACKGROUND-COLOR: transparent; FONT-FAMILY: 957317_10; FONT-SIZE: 10pt; BORDER-TOP: #f0f0f0; BORDER-RIGHT: #f0f0f0" class=xl157>금XXXXX</TD></TR> <TR style="HEIGHT: 13.5pt; mso-height-source: userset" height=18> <TD style="BORDER-BOTTOM: #f0f0f0; BORDER-LEFT: #f0f0f0; BACKGROUND-COLOR: transparent; FONT-FAMILY: 957317_10; HEIGHT: 13.5pt; FONT-SIZE: 10pt; BORDER-TOP: #f0f0f0; BORDER-RIGHT: #f0f0f0" class=xl158 height=18></TD> <TD style="BORDER-BOTTOM: #f0f0f0; BORDER-LEFT: #f0f0f0; BACKGROUND-COLOR: transparent; FONT-FAMILY: 957317_10; FONT-SIZE: 10pt; BORDER-TOP: #f0f0f0; BORDER-RIGHT: #f0f0f0" class=xl157>금XXXXX</TD></TR> <TR style="HEIGHT: 15pt; mso-height-source: userset" height=20> <TD style="BORDER-BOTTOM: #f0f0f0; BORDER-LEFT: #f0f0f0; BACKGROUND-COLOR: transparent; FONT-FAMILY: 957317_10; HEIGHT: 15pt; FONT-SIZE: 10pt; BORDER-TOP: #f0f0f0; BORDER-RIGHT: #f0f0f0" class=xl152 height=20></TD> <TD style="BORDER-BOTTOM: #f0f0f0; BORDER-LEFT: #f0f0f0; BACKGROUND-COLOR: transparent; FONT-FAMILY: 957317_10; FONT-SIZE: 10pt; BORDER-TOP: #f0f0f0; BORDER-RIGHT: #f0f0f0" class=xl156>외환외화Base</TD></TR> <TR style="HEIGHT: 12.75pt; mso-height-source: userset" height=17> <TD style="BORDER-BOTTOM: #f0f0f0; BORDER-LEFT: #f0f0f0; BACKGROUND-COLOR: transparent; FONT-FAMILY: 957317_10; HEIGHT: 12.75pt; FONT-SIZE: 10pt; BORDER-TOP: #f0f0f0; BORDER-RIGHT: #f0f0f0" class=xl152 height=17></TD> <TD style="BORDER-BOTTOM: #f0f0f0; BORDER-LEFT: #f0f0f0; BACKGROUND-COLOR: transparent; FONT-FAMILY: 957317_10; FONT-SIZE: 10pt; BORDER-TOP: #f0f0f0; BORDER-RIGHT: #f0f0f0" class=xl156>0506외환ㅡ엔</TD></TR> <TR style="HEIGHT: 15pt; mso-height-source: userset" height=20> <TD style="BORDER-BOTTOM: #f0f0f0; BORDER-LEFT: #f0f0f0; BACKGROUND-COLOR: yellow; FONT-FAMILY: 957317_10; HEIGHT: 15pt; FONT-SIZE: 10pt; BORDER-TOP: #f0f0f0; BORDER-RIGHT: #f0f0f0" class=xl164 height=20>　</TD> <TD style="BORDER-BOTTOM: #f0f0f0; BORDER-LEFT: #f0f0f0; BACKGROUND-COLOR: yellow; FONT-FAMILY: 957317_10; FONT-SIZE: 10pt; BORDER-TOP: #f0f0f0; BORDER-RIGHT: #f0f0f0" class=xl165>0506외환ㅡ달러</TD></TR> <TR style="HEIGHT: 14.25pt; mso-height-source: userset" height=19> <TD style="BORDER-BOTTOM: #f0f0f0; BORDER-LEFT: #f0f0f0; BACKGROUND-COLOR: transparent; FONT-FAMILY: 957317_10; HEIGHT: 14.25pt; FONT-SIZE: 10pt; BORDER-TOP: #f0f0f0; BORDER-RIGHT: #f0f0f0" class=xl152 height=19></TD> <TD style="BORDER-BOTTOM: #f0f0f0; BORDER-LEFT: #f0f0f0; BACKGROUND-COLOR: transparent; FONT-FAMILY: 957317_10; FONT-SIZE: 10pt; BORDER-TOP: #f0f0f0; BORDER-RIGHT: #f0f0f0" class=xl156>외환ㅡ유로</TD></TR> <TR style="HEIGHT: 14.25pt; mso-height-source: userset" height=19> <TD style="BORDER-BOTTOM: #f0f0f0; BORDER-LEFT: #f0f0f0; BACKGROUND-COLOR: transparent; FONT-FAMILY: 957317_10; HEIGHT: 14.25pt; FONT-SIZE: 10pt; BORDER-TOP: #f0f0f0; BORDER-RIGHT: #f0f0f0" class=xl152 height=19></TD> <TD style="BORDER-BOTTOM: #f0f0f0; BORDER-LEFT: #f0f0f0; BACKGROUND-COLOR: transparent; FONT-FAMILY: 957317_10; FONT-SIZE: 10pt; BORDER-TOP: #f0f0f0; BORDER-RIGHT: #f0f0f0" class=xl156>외환ㅡ타이</TD></TR> <TR style="HEIGHT: 14.25pt; mso-height-source: userset" height=19> <TD style="BORDER-BOTTOM: #f0f0f0; BORDER-LEFT: #f0f0f0; BACKGROUND-COLOR: #d8d8d8; FONT-FAMILY: 957317_10; HEIGHT: 14.25pt; FONT-SIZE: 10pt; BORDER-TOP: #f0f0f0; BORDER-RIGHT: #f0f0f0" class=xl168 height=19>　</TD> <TD style="BORDER-BOTTOM: #f0f0f0; BORDER-LEFT: #f0f0f0; BACKGROUND-COLOR: #d8d8d8; FONT-FAMILY: 957317_10; FONT-SIZE: 10pt; BORDER-TOP: #f0f0f0; BORDER-RIGHT: #f0f0f0" class=xl167>하나증권계좌</TD></TR> <TR style="HEIGHT: 14.25pt; mso-height-source: userset" height=19> <TD style="BORDER-BOTTOM: #f0f0f0; BORDER-LEFT: #f0f0f0; BACKGROUND-COLOR: #d8d8d8; FONT-FAMILY: 957317_10; HEIGHT: 14.25pt; FONT-SIZE: 10pt; BORDER-TOP: #f0f0f0; BORDER-RIGHT: #f0f0f0" class=xl168 height=19>　</TD> <TD style="BORDER-BOTTOM: #f0f0f0; BORDER-LEFT: #f0f0f0; BACKGROUND-COLOR: #d8d8d8; FONT-FAMILY: 957317_10; FONT-SIZE: 10pt; BORDER-TOP: #f0f0f0; BORDER-RIGHT: #f0f0f0" class=xl167>하나증권에셋플러스</TD></TR> <TR style="HEIGHT: 14.25pt; mso-height-source: userset" height=19> <TD style="BORDER-BOTTOM: #f0f0f0; BORDER-LEFT: #f0f0f0; BACKGROUND-COLOR: transparent; FONT-FAMILY: 957317_10; HEIGHT: 14.25pt; FONT-SIZE: 10pt; BORDER-TOP: #f0f0f0; BORDER-RIGHT: #f0f0f0" class=xl154 height=19></TD> <TD style="BORDER-BOTTOM: #f0f0f0; BORDER-LEFT: #f0f0f0; BACKGROUND-COLOR: transparent; FONT-FAMILY: 957317_10; FONT-SIZE: 10pt; BORDER-TOP: #f0f0f0; BORDER-RIGHT: #f0f0f0" class=xl156>비상금</TD></TR></TBODY></TABLE>     실물금(언제언제 사겠다라는 계획까지 기재해놨음) 여행용 외환까지 전부 통장으로 등록합니다. (잔고 0인놈이 더 많습니다ㅋㅋㅋㅋㅋㅋ) 시세가 내리는건 반영합니다. 오르는건 반영하지 않습니다. 팔아야 돈이니깐요.   투기안한다구선 ㅋ 증권계좌 이 계좌는 현재 비어있구요. 제가 공부하고 실사해서 안다고 판단이 되면, 10년이상 장기보유할 종목을 고르면 그때가서 한번 쓰일것입니다. 생각하고 준비하면 행동하게 되더라구요 ㅋ   <TABLE style="WIDTH: 130pt; BORDER-COLLAPSE: collapse" border=0 cellSpacing=0 cellPadding=0 width=173> <COLGROUP> <COL style="WIDTH: 13pt; mso-width-source: userset; mso-width-alt: 621" width=17> <COL style="WIDTH: 117pt; mso-width-source: userset; mso-width-alt: 5705" width=156></COLGROUP> <TBODY> <TR style="HEIGHT: 17.25pt" height=23> <TD style="BORDER-BOTTOM: #f0f0f0; BORDER-LEFT: #f0f0f0; BACKGROUND-COLOR: #92d050; WIDTH: 130pt; FONT-FAMILY: 957317_10; HEIGHT: 17.25pt; FONT-SIZE: 10pt; BORDER-TOP: #f0f0f0; BORDER-RIGHT: #f0f0f0; mso-ignore: colspan" class=xl157 height=23 width=173 colSpan=2>부동산</TD></TR> <TR style="HEIGHT: 12.75pt; mso-height-source: userset" height=17> <TD style="BORDER-BOTTOM: #f0f0f0; BORDER-LEFT: #f0f0f0; BACKGROUND-COLOR: transparent; FONT-FAMILY: 957317_10; HEIGHT: 12.75pt; FONT-SIZE: 10pt; BORDER-TOP: #f0f0f0; BORDER-RIGHT: #f0f0f0" class=xl152 height=17></TD> <TD style="BORDER-BOTTOM: #f0f0f0; BORDER-LEFT: #f0f0f0; BACKGROUND-COLOR: transparent; FONT-FAMILY: 957317_10; FONT-SIZE: 10pt; BORDER-TOP: #f0f0f0; BORDER-RIGHT: #f0f0f0" class=xl156>141021 a - 마이너스</TD></TR> <TR style="HEIGHT: 13.5pt; mso-height-source: userset" height=18> <TD style="BORDER-BOTTOM: #f0f0f0; BORDER-LEFT: #f0f0f0; BACKGROUND-COLOR: transparent; FONT-FAMILY: 957317_10; HEIGHT: 13.5pt; FONT-SIZE: 10pt; BORDER-TOP: #f0f0f0; BORDER-RIGHT: #f0f0f0" class=xl152 height=18></TD> <TD style="BORDER-BOTTOM: #f0f0f0; BORDER-LEFT: #f0f0f0; BACKGROUND-COLOR: transparent; FONT-FAMILY: 957317_10; FONT-SIZE: 10pt; BORDER-TOP: #f0f0f0; BORDER-RIGHT: #f0f0f0" class=xl156>141203 b - 마이너스</TD></TR> <TR style="HEIGHT: 13.5pt; mso-height-source: userset" height=18> <TD style="BORDER-BOTTOM: #f0f0f0; BORDER-LEFT: #f0f0f0; BACKGROUND-COLOR: transparent; FONT-FAMILY: 957317_10; HEIGHT: 13.5pt; FONT-SIZE: 10pt; BORDER-TOP: #f0f0f0; BORDER-RIGHT: #f0f0f0" class=xl152 height=18></TD> <TD style="BORDER-BOTTOM: #f0f0f0; BORDER-LEFT: #f0f0f0; BACKGROUND-COLOR: transparent; FONT-FAMILY: 957317_10; FONT-SIZE: 10pt; BORDER-TOP: #f0f0f0; BORDER-RIGHT: #f0f0f0" class=xl156>2Y150930 c</TD></TR> <TR style="HEIGHT: 13.5pt; mso-height-source: userset" height=18> <TD style="BORDER-BOTTOM: #f0f0f0; BORDER-LEFT: #f0f0f0; BACKGROUND-COLOR: transparent; FONT-FAMILY: 957317_10; HEIGHT: 13.5pt; FONT-SIZE: 10pt; BORDER-TOP: #f0f0f0; BORDER-RIGHT: #f0f0f0" class=xl152 height=18></TD> <TD style="BORDER-BOTTOM: #f0f0f0; BORDER-LEFT: #f0f0f0; BACKGROUND-COLOR: transparent; FONT-FAMILY: 957317_10; FONT-SIZE: 10pt; BORDER-TOP: #f0f0f0; BORDER-RIGHT: #f0f0f0" class=xl156>a</TD></TR> <TR style="HEIGHT: 13.5pt; mso-height-source: userset" height=18> <TD style="BORDER-BOTTOM: #f0f0f0; BORDER-LEFT: #f0f0f0; BACKGROUND-COLOR: transparent; FONT-FAMILY: 957317_10; HEIGHT: 13.5pt; FONT-SIZE: 10pt; BORDER-TOP: #f0f0f0; BORDER-RIGHT: #f0f0f0" class=xl152 height=18></TD> <TD style="BORDER-BOTTOM: #f0f0f0; BORDER-LEFT: #f0f0f0; BACKGROUND-COLOR: transparent; FONT-FAMILY: 957317_10; FONT-SIZE: 10pt; BORDER-TOP: #f0f0f0; BORDER-RIGHT: #f0f0f0" class=xl156>b</TD></TR> <TR style="HEIGHT: 12pt; mso-height-source: userset" height=16> <TD style="BORDER-BOTTOM: #f0f0f0; BORDER-LEFT: #f0f0f0; BACKGROUND-COLOR: transparent; FONT-FAMILY: 957317_10; HEIGHT: 12pt; FONT-SIZE: 10pt; BORDER-TOP: #f0f0f0; BORDER-RIGHT: #f0f0f0" class=xl152 height=16></TD> <TD style="BORDER-BOTTOM: #f0f0f0; BORDER-LEFT: #f0f0f0; BACKGROUND-COLOR: transparent; FONT-FAMILY: 957317_10; FONT-SIZE: 10pt; BORDER-TOP: #f0f0f0; BORDER-RIGHT: #f0f0f0" class=xl156></TD></TR></TBODY></TABLE> 보유부동산도 통장처리됩니다. 각 부동산은 세를 줄경우(들어갈경우도 마찬가지) 계약일을 명기하고 통장으로 만듭니다.   141021 a,141203 b : 세를 줄경우 전세금만큼 마이너스 통장이됩니다. 0원으로 생성해서 전세금 받은만큼 이체합니다. 자동 마이너스 통장. (전세금 엄연히 빌리는거예요. 내돈아니예요) 2Y150903  c : 세를 들어갈경우 통장만들고 그리로 전세금을 이체합니다.(제돈 잠깐 맡겼으니까)   a와 b는 뭘까요. a집 b집 자체가 됩니다. 구입가격으로 통장처리합니다. a통장 b통장은 매매처분 또는 가격하락되어 반영할때까지 입출금이 발생하지 않습니다.   <TABLE style="WIDTH: 130pt; BORDER-COLLAPSE: collapse" border=0 cellSpacing=0 cellPadding=0 width=173> <COLGROUP> <COL style="WIDTH: 13pt; mso-width-source: userset; mso-width-alt: 621" width=17> <COL style="WIDTH: 117pt; mso-width-source: userset; mso-width-alt: 5705" width=156></COLGROUP> <TBODY> <TR style="HEIGHT: 17.25pt" height=23> <TD style="BORDER-BOTTOM: #f0f0f0; BORDER-LEFT: #f0f0f0; BACKGROUND-COLOR: #92d050; WIDTH: 130pt; FONT-FAMILY: 957317_10; HEIGHT: 17.25pt; FONT-SIZE: 10pt; BORDER-TOP: #f0f0f0; BORDER-RIGHT: #f0f0f0; mso-ignore: colspan" class=xl158 height=23 width=173 colSpan=2>보험성</TD></TR> <TR style="HEIGHT: 13.5pt; mso-height-source: userset" height=18> <TD style="BORDER-BOTTOM: #f0f0f0; BORDER-LEFT: #f0f0f0; BACKGROUND-COLOR: transparent; FONT-FAMILY: 957317_10; HEIGHT: 13.5pt; FONT-SIZE: 10pt; BORDER-TOP: #f0f0f0; BORDER-RIGHT: #f0f0f0" class=xl152 height=18></TD> <TD style="BORDER-BOTTOM: #f0f0f0; BORDER-LEFT: #f0f0f0; BACKGROUND-COLOR: red; FONT-FAMILY: 957317_10; FONT-SIZE: 10pt; BORDER-TOP: #f0f0f0; BORDER-RIGHT: #f0f0f0" class=xl155>301231 운전자실비</TD></TR> <TR style="HEIGHT: 12.75pt; mso-height-source: userset" height=17> <TD style="BORDER-BOTTOM: #f0f0f0; BORDER-LEFT: #f0f0f0; BACKGROUND-COLOR: #f2f2f2; FONT-FAMILY: 957317_10; HEIGHT: 12.75pt; FONT-SIZE: 10pt; BORDER-TOP: #f0f0f0; BORDER-RIGHT: #f0f0f0" class=xl160 height=17>　</TD> <TD style="BORDER-BOTTOM: #f0f0f0; BORDER-LEFT: #f0f0f0; BACKGROUND-COLOR: #f2f2f2; FONT-FAMILY: 957317_10; FONT-SIZE: 10pt; BORDER-TOP: #f0f0f0; BORDER-RIGHT: #f0f0f0" class=xl159>131011 아비바단체보험</TD></TR> <TR style="HEIGHT: 12pt; mso-height-source: userset" height=16> <TD style="BORDER-BOTTOM: #f0f0f0; BORDER-LEFT: #f0f0f0; BACKGROUND-COLOR: #f2f2f2; FONT-FAMILY: 957317_10; HEIGHT: 12pt; FONT-SIZE: 10pt; BORDER-TOP: #f0f0f0; BORDER-RIGHT: #f0f0f0" class=xl160 height=16>　</TD> <TD style="BORDER-BOTTOM: #f0f0f0; BORDER-LEFT: #f0f0f0; BACKGROUND-COLOR: #f2f2f2; FONT-FAMILY: 957317_10; FONT-SIZE: 10pt; BORDER-TOP: #f0f0f0; BORDER-RIGHT: #f0f0f0" class=xl159>130228 ING종신보험</TD></TR> <TR style="HEIGHT: 13.5pt; mso-height-source: userset" height=18> <TD style="BORDER-BOTTOM: #f0f0f0; BORDER-LEFT: #f0f0f0; BACKGROUND-COLOR: #f2f2f2; FONT-FAMILY: 957317_10; HEIGHT: 13.5pt; FONT-SIZE: 10pt; BORDER-TOP: #f0f0f0; BORDER-RIGHT: #f0f0f0" class=xl160 height=18>　</TD> <TD style="BORDER-BOTTOM: #f0f0f0; BORDER-LEFT: #f0f0f0; BACKGROUND-COLOR: #f2f2f2; FONT-FAMILY: 957317_10; FONT-SIZE: 10pt; BORDER-TOP: #f0f0f0; BORDER-RIGHT: #f0f0f0" class=xl159>3Y7Y181130아비바연금보험</TD></TR> <TR style="HEIGHT: 14.25pt; mso-height-source: userset" height=19> <TD style="BORDER-BOTTOM: #f0f0f0; BORDER-LEFT: #f0f0f0; BACKGROUND-COLOR: #f2f2f2; FONT-FAMILY: 957317_10; HEIGHT: 14.25pt; FONT-SIZE: 10pt; BORDER-TOP: #f0f0f0; BORDER-RIGHT: #f0f0f0" class=xl160 height=19>　</TD> <TD style="BORDER-BOTTOM: #f0f0f0; BORDER-LEFT: #f0f0f0; BACKGROUND-COLOR: #f2f2f2; FONT-FAMILY: 957317_10; FONT-SIZE: 10pt; BORDER-TOP: #f0f0f0; BORDER-RIGHT: #f0f0f0" class=xl159>대한생명암보험</TD></TR> <TR style="HEIGHT: 13.5pt; mso-height-source: userset" height=18> <TD style="BORDER-BOTTOM: #f0f0f0; BORDER-LEFT: #f0f0f0; BACKGROUND-COLOR: #f2f2f2; FONT-FAMILY: 957317_10; HEIGHT: 13.5pt; FONT-SIZE: 10pt; BORDER-TOP: #f0f0f0; BORDER-RIGHT: #f0f0f0" class=xl160 height=18>　</TD> <TD style="BORDER-BOTTOM: #f0f0f0; BORDER-LEFT: #f0f0f0; BACKGROUND-COLOR: #f2f2f2; FONT-FAMILY: 957317_10; FONT-SIZE: 10pt; BORDER-TOP: #f0f0f0; BORDER-RIGHT: #f0f0f0" class=xl159>엄마암보험</TD></TR> <TR style="HEIGHT: 13.5pt; mso-height-source: userset" height=18> <TD style="BORDER-BOTTOM: #f0f0f0; BORDER-LEFT: #f0f0f0; BACKGROUND-COLOR: #d8d8d8; FONT-FAMILY: 957317_10; HEIGHT: 13.5pt; FONT-SIZE: 10pt; BORDER-TOP: #f0f0f0; BORDER-RIGHT: #f0f0f0" class=xl164 height=18>　</TD> <TD style="BORDER-BOTTOM: #f0f0f0; BORDER-LEFT: #f0f0f0; BACKGROUND-COLOR: #d8d8d8; FONT-FAMILY: 957317_10; FONT-SIZE: 10pt; BORDER-TOP: #f0f0f0; BORDER-RIGHT: #f0f0f0" class=xl163>국민연금</TD></TR></TBODY></TABLE>   만기환급형만 등록합니다. 순수보장형은 지출이니까 아예 관리안합니다. 엄마 암보험은 제가가입하고 제가 만기납입했으니 만기환급금은 제가 가집니다.<IMG id=userImg5824514 src="https://img1.daumcdn.net/relay/cafe/original/?fname=http%3A%2F%2Fcafeimgs.naver.net%2Feditor%2Femoticon%2F1_46.gif"> 국민연금은 금액은 확인해서 매년 업데이트하지만 자산에는 포함시키지 않습니다. 여튼. 전 일치감치 시작하고 제가 경제력이 있을때 납입을 끝내는것을 목표로 했기에, 납입이 전부 종료되었습니다. 운전자의료실비 하나 뒤늦게 붓고 있습니다. ㅡㅡ;;;;;          <TABLE style="WIDTH: 96pt; BORDER-COLLAPSE: collapse" border=0 cellSpacing=0 cellPadding=0 width=128> <COLGROUP> <COL style="WIDTH: 48pt" span=2 width=64></COLGROUP> <TBODY> <TR style="HEIGHT: 12.75pt" height=17> <TD style="BORDER-BOTTOM: windowtext 0.5pt solid; BORDER-LEFT: windowtext 0.5pt solid; BACKGROUND-COLOR: white; WIDTH: 48pt; FONT-FAMILY: 957317_10; HEIGHT: 12.75pt; FONT-SIZE: 10pt; BORDER-TOP: windowtext 0.5pt solid; BORDER-RIGHT: windowtext 0.5pt solid" class=xl152 height=17 width=64>1</TD> <TD style="BORDER-BOTTOM: windowtext 0.5pt solid; BORDER-LEFT: windowtext; BACKGROUND-COLOR: white; WIDTH: 48pt; FONT-FAMILY: 957317_10; FONT-SIZE: 10pt; BORDER-TOP: windowtext 0.5pt solid; BORDER-RIGHT: windowtext 0.5pt solid" class=xl152 width=64>지갑</TD></TR> <TR style="HEIGHT: 12.75pt" height=17> <TD style="BORDER-BOTTOM: windowtext 0.5pt solid; BORDER-LEFT: windowtext 0.5pt solid; BACKGROUND-COLOR: white; WIDTH: 48pt; FONT-FAMILY: 957317_10; HEIGHT: 12.75pt; FONT-SIZE: 10pt; BORDER-TOP: windowtext; BORDER-RIGHT: windowtext 0.5pt solid" class=xl152 height=17 width=64>2</TD> <TD style="BORDER-BOTTOM: windowtext 0.5pt solid; BORDER-LEFT: windowtext; BACKGROUND-COLOR: white; WIDTH: 48pt; FONT-FAMILY: 957317_10; FONT-SIZE: 10pt; BORDER-TOP: windowtext; BORDER-RIGHT: windowtext 0.5pt solid" class=xl152 width=64>가상지갑</TD></TR> <TR style="HEIGHT: 12.75pt" height=17> <TD style="BORDER-BOTTOM: windowtext 0.5pt solid; BORDER-LEFT: windowtext 0.5pt solid; BACKGROUND-COLOR: white; WIDTH: 48pt; FONT-FAMILY: 957317_10; HEIGHT: 12.75pt; FONT-SIZE: 10pt; BORDER-TOP: windowtext; BORDER-RIGHT: windowtext 0.5pt solid" class=xl152 height=17 width=64>3</TD> <TD style="BORDER-BOTTOM: windowtext 0.5pt solid; BORDER-LEFT: windowtext; BACKGROUND-COLOR: white; WIDTH: 48pt; FONT-FAMILY: 957317_10; FONT-SIZE: 10pt; BORDER-TOP: windowtext; BORDER-RIGHT: windowtext 0.5pt solid" class=xl152 width=64>월급봉투</TD></TR> <TR style="HEIGHT: 13.5pt" height=18> <TD style="BORDER-BOTTOM: windowtext 0.5pt solid; BORDER-LEFT: windowtext 0.5pt solid; BACKGROUND-COLOR: white; WIDTH: 48pt; FONT-FAMILY: 957317_10; HEIGHT: 13.5pt; FONT-SIZE: 10pt; BORDER-TOP: windowtext; BORDER-RIGHT: windowtext 0.5pt solid" class=xl152 height=18 width=64>4</TD> <TD style="BORDER-BOTTOM: windowtext 0.5pt solid; BORDER-LEFT: windowtext; BACKGROUND-COLOR: white; WIDTH: 48pt; FONT-FAMILY: 957317_10; FONT-SIZE: 10pt; BORDER-TOP: windowtext; BORDER-RIGHT: windowtext 0.5pt solid" class=xl152 width=64>온누리</TD></TR> <TR style="HEIGHT: 12.75pt" height=17> <TD style="BORDER-BOTTOM: windowtext 0.5pt solid; BORDER-LEFT: windowtext 0.5pt solid; BACKGROUND-COLOR: white; WIDTH: 48pt; FONT-FAMILY: 957317_10; HEIGHT: 12.75pt; FONT-SIZE: 10pt; BORDER-TOP: windowtext; BORDER-RIGHT: windowtext 0.5pt solid" class=xl152 height=17 width=64>5</TD> <TD style="BORDER-BOTTOM: windowtext 0.5pt solid; BORDER-LEFT: windowtext; BACKGROUND-COLOR: transparent; FONT-FAMILY: 957317_10; FONT-SIZE: 10pt; BORDER-TOP: windowtext; BORDER-RIGHT: windowtext 0.5pt solid" class=xl153>컬쳐랜드</TD></TR> <TR style="HEIGHT: 12.75pt" height=17> <TD style="BORDER-BOTTOM: windowtext 0.5pt solid; BORDER-LEFT: windowtext 0.5pt solid; BACKGROUND-COLOR: white; WIDTH: 48pt; FONT-FAMILY: 957317_10; HEIGHT: 12.75pt; FONT-SIZE: 10pt; BORDER-TOP: windowtext; BORDER-RIGHT: windowtext 0.5pt solid" class=xl152 height=17 width=64>6</TD> <TD style="BORDER-BOTTOM: windowtext 0.5pt solid; BORDER-LEFT: windowtext; BACKGROUND-COLOR: transparent; FONT-FAMILY: 957317_10; FONT-SIZE: 10pt; BORDER-TOP: windowtext; BORDER-RIGHT: windowtext 0.5pt solid" class=xl153>감사통장</TD></TR> <TR style="HEIGHT: 12.75pt" height=17> <TD style="BORDER-BOTTOM: windowtext 0.5pt solid; BORDER-LEFT: windowtext 0.5pt solid; BACKGROUND-COLOR: white; WIDTH: 48pt; FONT-FAMILY: 957317_10; HEIGHT: 12.75pt; FONT-SIZE: 10pt; BORDER-TOP: windowtext; BORDER-RIGHT: windowtext 0.5pt solid" class=xl152 height=17 width=64>7</TD> <TD style="BORDER-BOTTOM: windowtext 0.5pt solid; BORDER-LEFT: windowtext; BACKGROUND-COLOR: transparent; FONT-FAMILY: 957317_10; FONT-SIZE: 10pt; BORDER-TOP: windowtext; BORDER-RIGHT: windowtext 0.5pt solid" class=xl153>배움통장</TD></TR></TBODY></TABLE> 지갑통장만 7개있는 여자 -_- ㅋㅋㅋㅋㅋㅋ 진짜 지갑은 1번. 2번은 가끔 푼돈 빌리거나 잠깐 빌려주거나 할때 외 기타등등.(그래서 마이너스 플러스를 오고감) 3번은 일단 월급받고 공제나 비용처리하고 은행에 지급되기 전의 정리용 4번은 회사에서 뜨문뜨문나오는 온누리상품권용 5번은 할인구입해서 잘쓰고 있는 컬쳐랜드 6번은 매일의 감사한일 고마운일 베푼것들 받은걸들 깨달음 등  7번은 데이터나 지식으로 배운것, 서적, 강의 등(몇달 텅텅비었음ㅋ)             여기서 각 통장별로 태그를 달아서.... 그때그때 자산이 항상 실시간 조회. 즉시동원가능자산, 순수 현금성자산, 부동산포함자산 3가지.   본인방식을 보시고 참고하실부분 참고하시어 적으나마 도움되는바가 있다면 기쁘겠습니다.  항상 즐짠 즐투 되세요.       <A href="http://cafe.naver.com/hbya" target=_blank></A></DIV>

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돈 아끼기 즐짠 모금이 통장관리 방식.ㅡ장문의스압.

세모금 추천 1 조회 1,075 14.12.04 10:46 댓글 4

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skyiditto
14.12.04 13:51

첫댓글 오홋 깔끔한 통장정리네요. 역시 언니라는.. ^^ 구돈 하고 계시네요.. 조만간 책 구해 읽어 볼 생각이예요. 당장 써먹을 일은 없지만...
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작성자 14.12.04 15:12

올만~~~~
신의햇살
14.12.14 21:54

멋지세요~♥^^♥
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작성자 14.12.15 18:25

감사합니다 ^^

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