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๋ถ„๋ฅ˜ > ํ›„๊ธฐ ๊ฒŒ์‹œํŒ

A breakdown of my expenses for my four years of playing the violin as a hobby.

๐Ÿ‘ค ๋””๋ก
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์ทจ๋ฏธ ๋ฐ”์ด์˜ฌ๋ฆฐ 4๋…„ ์ง€์ถœ ๊ฒฐ์‚ฐ.

๋ฐ”์ด์˜ฌ๋ฆฐ ์ƒˆ๋กœ ์˜ค๋ฉด ๊ฒฐ์‚ฐํ•˜๊ธฐ ํž˜๋“ค๊ฑฐ ๊ฐ™์•„์„œ ์กฐ๊ธˆ ์ผ์ฐ ์ง€๋‚œ 4๋…„ ๊ฐ„ ์ž…๋ฌธ ์‹œ๊ธฐ์˜ ์ง€์ถœ ์‚ฌํ•ญ๋“ค์„ ๊ฒฐ์‚ฐํ•ด๋ด„. AI์•ผ ๋ถ€ํƒํ•ด!

7cea8877b18b68f13eee98a518d60403c2b137b0cc4a08404b


2022๋…„ 7์›”๋ถ€ํ„ฐ ์‹œ์ž‘ํ•ด ์•ฝ 3๋…„ 11๊ฐœ์›” ๋™์•ˆ ๋ฐ”์ด์˜ฌ๋ฆฐ์„ ์ทจ๋ฏธ๋กœ ๋ฐฐ์šฐ๋ฉฐ ์ง€์ถœํ•œ ์„ธ๋ถ€ ๋‚ด์—ญ์ž…๋‹ˆ๋‹ค.

โ–  ์ดํ•ฉ ์š”์•ฝ

* ์ด ๊ธฐ๊ฐ„: 3๋…„ 11๊ฐœ์›” (์•ฝ 4๋…„)
* ๋ˆ„์  ์ง€์ถœ: ์•ฝ 1,812๋งŒ ์›
* ์œ ์ง€ ๋น„์šฉ: ์›”ํ‰๊ท  ์•ฝ 27๋งŒ ์›

โ–  ํ•ญ๋ชฉ๋ณ„ ์ƒ์„ธ ๋‚ด์—ญ

1. ๋ ˆ์Šจ ๋ฐ ์—ฐ์ฃผ ํ™œ๋™๋น„: ์•ฝ 1,097๋งŒ ์› (์ „์ฒด์˜ 60.5%)

* ๊ฐœ์ธ ๋ ˆ์Šจ: 891๋งŒ ์› (1:1 ๊ฐœ์ธ ๋ ˆ์Šจ ๋น„์šฉ)
* ๋‹จ์ฒด ๋ฐ ์—ฐ์ฃผ: 206๋งŒ ์› (์•„๋งˆ์ถ”์–ด ์˜ค์ผ€์ŠคํŠธ๋ผ, ์•™์ƒ๋ธ” ํšŒ๋น„ ๋ฐ ์—ฐ์ฃผ ๊ด€๋ จ ๋น„์šฉ)
* ๋…ํ•™ ๋Œ€์‹  ์‹œ์ž‘๋ถ€ํ„ฐ ๊พธ์ค€ํžˆ ๋ ˆ์Šจ์„ ๋ฐ›์•˜์œผ๋ฉฐ, ์—ฐ์ฐจ๊ฐ€ ์Œ“์ด๋ฉด์„œ ํ•ฉ์ฃผ ํ™œ๋™(์˜ค์ผ€์ŠคํŠธ๋ผ, ์•™์ƒ๋ธ”)์œผ๋กœ ์˜์—ญ์„ ๋„“ํ˜”์Šต๋‹ˆ๋‹ค. ์‹ค๋ ฅ ํ–ฅ์ƒ๊ณผ ์ทจ๋ฏธ ์ง€์†์— ๊ฐ€์žฅ ํ•ต์‹ฌ์ด ๋œ ์ง€์ถœ์ž…๋‹ˆ๋‹ค.

2. ์•…๊ธฐ ๋ฐ ํ™œ (์ดˆ๊ธฐ ๋น„์šฉ): ์•ฝ 185๋งŒ ์›

* ์ฒ˜์Œ ์‹œ์ž‘ํ•  ๋•Œ ๊ตฌ๋งคํ•œ ์•…๊ธฐ์™€ ํ™œ ์„ธํŠธ๊ฐ€ ๋ชจ๋‘ ํฌํ•จ๋œ ๊ธˆ์•ก์ž…๋‹ˆ๋‹ค.
* 4๋…„ ๋™์•ˆ ์ถ”๊ฐ€์ ์ธ ์•…๊ธฐ ๊ธฐ๋ณ€(์—…๊ทธ๋ ˆ์ด๋“œ) ์—†์ด ์ด ๊ธฐ๋ณธ ์žฅ๋น„ ํ•˜๋‚˜๋กœ ๊พธ์ค€ํžˆ ์—ฐ์Šตํ•˜๋ฉฐ ์žฅ๋น„ ๋น„์šฉ์„ ์ตœ์†Œํ™”ํ–ˆ์Šต๋‹ˆ๋‹ค.

3. ์—ฐ์Šต ์‹œ์„ค ๊ตฌ์ถ•๋น„: ์•ฝ 162๋งŒ ์›

* ์„ธ๋ถ€ ๋‚ด์—ญ: ๊ฐ€์ •์šฉ ์ค‘๊ณ  ๋ฐฉ์Œ๋ถ€์Šค(40๋งŒ ์›) + ๋ถ€์Šค ์ด์ „ ์„ค์น˜๋น„(72๋งŒ ์›) + ๋ถ€์Šค ๋‚ด๋ถ€์šฉ ์†Œํ˜• ์—์–ด์ปจ(32๋งŒ ์›) ๋“ฑ
* ๊ณต๋™์ฃผํƒ(์•„ํŒŒํŠธ) ํ™˜๊ฒฝ์—์„œ ์ธต๊ฐ„์†Œ์Œ ์ œ์•ฝ ์—†์ด ๋Šฆ์€ ์‹œ๊ฐ„์—๋„ ์—ฐ์Šตํ•  ์ˆ˜ ์žˆ๋Š” ํ™˜๊ฒฝ์„ ๋งŒ๋“ค๊ธฐ ์œ„ํ•œ ํˆฌ์ž์˜€์Šต๋‹ˆ๋‹ค. ์—ฐ์Šต๋Ÿ‰์„ ์•ˆ์ •์ ์œผ๋กœ ํ™•๋ณดํ•˜๋Š” ๋ฐ ์ผ๋“ฑ๊ณต์‹  ์—ญํ• ์„ ํ–ˆ์Šต๋‹ˆ๋‹ค.

4. ์†Œ๋ชจํ’ˆ ๊ด€๋ฆฌ๋น„: ์•ฝ 192๋งŒ ์›

* ์„ธ๋ถ€ ๋‚ด์—ญ: ์ •๊ธฐ์ ์ธ ํ™œํ„ธ ๊ต์ฒด, ํ˜„(Eํ˜„ ํฌํ•จ) ๊ต์ฒด ๋น„์šฉ
* ํ™œํ„ธ๊ณผ ํ˜„์˜ ๊ต์ฒด ๊ฒฝ๊ณผ ์ผ์ˆ˜๋ฅผ ์ง์ ‘ ์นด์šดํŠธํ•˜๋ฉฐ ์ •๋ฐ€ํ•˜๊ฒŒ ๊ด€๋ฆฌํ–ˆ์Šต๋‹ˆ๋‹ค. ์•…๊ธฐ ์ตœ์ƒ์˜ ์ปจ๋””์…˜์„ ์œ ์ง€ํ•˜๊ธฐ ์œ„ํ•ด ๋ˆ„์ ๋œ ๊ณ ์ • ์œ ์ง€๋น„์ž…๋‹ˆ๋‹ค.

5. ์•…๋ณด ๋ฐ ์ฃผ๋ณ€ ์šฉํ’ˆ: ์•ฝ 110๋งŒ ์›

* ์•…๋ณด ๋ฐ ๊ต์žฌ (์•ฝ 48๋งŒ ์›): ๊ธฐ์ดˆ ๊ณผ์ •๋ถ€ํ„ฐ ํ…Œํฌ๋‹‰ ๊ต์žฌ(ํฌ์ง€์…˜ ์ด๋™, ๋”๋ธ”์Šคํƒ‘, ์Šค์ผ€์ผ), ๋…์ฃผ๊ณก ๋ ˆํŒŒํ† ๋ฆฌ์— ์ด๋ฅด๊ธฐ๊นŒ์ง€ ์ง„๋„์— ๋งž์ถ˜ ์•…๋ณด ๊ตฌ๋งค ๋น„์šฉ์ž…๋‹ˆ๋‹ค.
* ์ฃผ๋ณ€ ์šฉํ’ˆ (์•ฝ 61๋งŒ ์›): ์•…๊ธฐ ์ผ€์ด์Šค, ์–ด๊นจ๋ฐ›์นจ ๋“ฑ๊ณผ ๋”๋ถˆ์–ด ๋””์ง€ํ„ธ ์•…๋ณด ํ™œ์šฉ์„ ์œ„ํ•œ ์Šค์บ” ์•ฑ, ์•…๋ณด ๋„˜๊น€์šฉ ๋ธ”๋ฃจํˆฌ์Šค ๋ฐœ ํŽ˜๋‹ฌ ๋“ฑ์ด ํฌํ•จ๋˜์–ด ์žˆ์Šต๋‹ˆ๋‹ค.

โ–  4๋…„ ์ฐจ ์ดํ‰ ๋ฐ ํ›„๊ธฐ

* ์•…๊ธฐ๋‚˜ ์žฅ๋น„ ์ž์ฒด์— ํฐ๋ˆ์„ ๋“ค์ด๊ธฐ๋ณด๋‹ค, ๋ ˆ์Šจ๊ณผ ์—ฐ์Šต ํ™˜๊ฒฝ(๋ฐฉ์Œ) ๊ตฌ์ถ• ๋“ฑ ์‹ค๋ ฅ์„ ํ‚ค์šฐ๋Š” ๋‚ด์‹ค์— ์ง€์ถœ์˜ ๋Œ€๋ถ€๋ถ„์„ ์ง‘์ค‘ํ–ˆ์Šต๋‹ˆ๋‹ค.
* ์ดˆ๊ธฐ ์ธํ”„๋ผ(์•…๊ธฐ, ๋ฐฉ์Œ๋ถ€์Šค) ์„ธํŒ… ์ดํ›„์—๋Š” ์›”ํ‰๊ท  30๋งŒ ์› ์•ˆํŒŽ์˜ ์•ˆ์ •์ ์ธ ์œ ์ง€๋น„๋กœ ์ทจ๋ฏธ๋ฅผ ๊ฑด๊ฐ•ํ•˜๊ฒŒ ์ง€์†ํ•˜๊ณ  ์žˆ์Šต๋‹ˆ๋‹ค. ์ •์งํ•œ ํˆฌ์ž์™€ ๊ด€๋ฆฌ๊ฐ€ ๋ˆ„์ ๋œ ์ง€์ถœ ํฌํŠธํด๋ฆฌ์˜ค๋ผ๊ณ  ์ƒ๊ฐํ•ฉ๋‹ˆ๋‹ค.

- dc official App

๐Ÿ”ฅ ์‹ค์‹œ๊ฐ„ ๋„คํ‹ฐ์ฆŒ ๋ฒ ์ŠคํŠธ ๋ฐ˜์‘

  • ๋„๋งŒ์•„๋Š”๋ฐ”๋ฆฌํ†ค5๋…„์ฐจ๋ถ€ํ„ฐ๋Š” ์ง€์ถœ ๋ง๊ณ  ์ˆ˜์ž… ๊ด€๋ฆฌ๋„? ๊ป„๊ป„. ์š”์ฆ˜ ๋‚˜๋ฆ„ ์ฃผ๋ง ๋ฐฅ๊ฐ’์€ ํ•˜๊ณ  ๋‹ค๋‹™๋‹ˆ๋‹ค. - dc App
  • ํƒ๋ฅด์‹ ์™€ 5๋…„์ฐจ๋ฐ์ดํ„ฐ๋ผ๋‹ˆ ๋ฌด์„ญ์๋‹ˆ๋‹คใ…Žใ„ทใ„ทใ„ท;; ํ˜ผ๋‚ ๊ฑฐ๊ฐ™์•„์š”

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์š”์ฆ˜ ๋ณผ๋งŒํ•œ๊ฒŒ ์™œ์ด๋ ‡๊ฒŒ ์—†๋‚˜..
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