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發表於 2006-6-9 01:49 PM
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如果你o係未來十年平均收入係$22,000 per month.....
你地覺得夠唔夠? / V8 R' W7 V1 g& f2 ^7 n; C1 g3 J
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夠既意思係指你會唔會俾得夠屋企, 又ok有能力買樓結婚, 同埋儲下錢以備不時之需咁* K& K; x6 @& w: V
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如果俾我既話講真都ok既, 但係好似都唔係好穩陣.....! C! X5 p, Z( S: F
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以下係我既plan:
7 o8 e0 X/ a7 O( r' s3 Ahome - $8000
) O1 y3 I; ~$ {5 j# w7 Qself basic use (including entertainment) - $4000) x( i4 b" m) x
MPF - around $1000% X2 h+ }5 `: p2 H* s& J
inverstment + insurance - $1000-$1500
0 A" y$ L r% J. f0 J5 G5 oMiscellaneous - around $2000 on average (travel & other purchases & TAX!!!) . |% u' }! _- ^
+ @7 ]. f7 a5 X( i ]NORMAL SAVINGS: $5000-6000 per month! v; g' o# E' L6 L; n/ i2 c
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AFTER 10 years, your savings: about $5500 x 12 x 10 = $ 660,000
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6 {" N( s+ F# E. m) R/ d) ], T( n如無意外會有六十六萬o係手.....唔計o的inverstment 同 insurance. m9 E" e0 `* r* p
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買層樓當好好地都要二百萬.... 1 }2 J2 Q) r: u, _
三成首期, 六十萬.....
8 W4 u7 ]; h$ [- O1 s裝修最少十萬啦.....
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買得樓就可能係結婚跟住honeymoon 啦9 d/ F6 ?( A6 W3 w3 |+ [
又起碼無咁十零二十萬.....
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之後仲要將供樓加埋入每月既支出.....; {/ h3 u& q# l2 q; N" G
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一個男人, 出黎做左野十年, 當你大學畢業先做野, 都三十幾啦.....
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$660,000 - $600,000 -$100,000 - $200,000 = - $240,000  6 i/ z6 t' b9 \' z
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之後仲有生仔呢?!?!?.....供書教學呢?!?!?!?  " z8 W0 U$ V4 n
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真係要有埋老婆果份先得?..... 但係一個男人撐唔起一頭家真係好似有點兒那個.....& l; a( f/ L, D
8 K5 f( F; o' t \講真, 兩萬幾蚊一個月對於好多人黎講都好ok啦..... 但係如果想有個好d既生活都真係唔係咁容易...... f+ G& P: j& u/ P
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: O, S' n5 p7 _& w3 r# E: }大家有咩見解?!??!?
" [# u7 p' m3 _2 j同埋有咩計畫係可以更好咁運用你二萬幾蚊既月薪?!?!?3 q' V8 F+ j& l* @
不妨研究下~~~~   |
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