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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?
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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
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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..... o: ` N2 o+ R* A& v' ~
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以下係我既plan:# i( B5 l6 y& f6 Y. X
home - $8000' h. Y$ M1 i/ G" D1 \. x. A
self basic use (including entertainment) - $4000, e' @- q0 W7 ]2 ` }" ^
MPF - around $1000. h8 f) n* V; M/ {( ]
inverstment + insurance - $1000-$1500
( t. ^5 Y: B& a+ d& MMiscellaneous - around $2000 on average (travel & other purchases & TAX!!!) d) H' [: v. B0 u2 U" K4 _- s
. P* V7 _" b* [7 T9 SNORMAL SAVINGS: $5000-6000 per month
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AFTER 10 years, your savings: about $5500 x 12 x 10 = $ 660,000+ |5 d/ y$ X+ X9 \9 v: C; q& `/ C; O
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; C; S- x) ?6 n' c如無意外會有六十六萬o係手.....唔計o的inverstment 同 insurance
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; ~2 |8 g! c* D6 O: e, s, k( m買層樓當好好地都要二百萬....
8 L, G: x& Z+ F; X1 U' ~三成首期, 六十萬.....9 { t- [( f% E% r, L
裝修最少十萬啦.....7 s0 d' A; ]$ A3 F" B
) V1 v* h0 O; t3 W: h1 I9 F買得樓就可能係結婚跟住honeymoon 啦
3 W8 O4 }. _# k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.....
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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...../ G! C/ i3 v- P, l6 z# P. P
* ?5 y0 i6 [4 m& u% Q# p$660,000 - $600,000 -$100,000 - $200,000 = - $240,000  # } J0 m- e* m% w7 G
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1 P' g3 D: S. ^! G0 ^/ \之後仲有生仔呢?!?!?.....供書教學呢?!?!?!?  ) n+ w+ E3 f& 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.....
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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......
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f% h% T/ }1 I' V3 z6 W6 p6 e大家有咩見解?!??!?0 Q% j% ^/ @7 h' y" K
同埋有咩計畫係可以更好咁運用你二萬幾蚊既月薪?!?!?
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