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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$22,000 per month.....
你地覺得夠唔夠?
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( D3 G& l2 j3 S2 ?. @夠既意思係指你會唔會俾得夠屋企, 又ok有能力買樓結婚, 同埋儲下錢以備不時之需咁( r8 d) Y _5 L. ?4 g
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如果俾我既話講真都ok既, 但係好似都唔係好穩陣.....9 R# C0 O: Q3 h+ M
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以下係我既plan:
0 G) ]3 a# U; |% R3 K$ n& }5 z# lhome - $8000
/ j z% A- X4 E7 ^& Q% U' @self basic use (including entertainment) - $40006 R+ b& Q$ v: \/ h& }" c
MPF - around $1000
2 ]& }3 Y2 m/ C! p# Rinverstment + insurance - $1000-$1500' | }0 C H/ N" T- O$ I( f
Miscellaneous - around $2000 on average (travel & other purchases & TAX!!!)
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NORMAL SAVINGS: $5000-6000 per month6 i. @" Q" \8 y* D8 Y5 d+ M) ^
! p9 u5 X/ k* c; a) yAFTER 10 years, your savings: about $5500 x 12 x 10 = $ 660,000
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如無意外會有六十六萬o係手.....唔計o的inverstment 同 insurance
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買層樓當好好地都要二百萬.... , y! Y, T0 f5 k
三成首期, 六十萬....., p. M, D% s( b/ A. a8 j+ f+ c( v
裝修最少十萬啦.....3 G. w& j. P3 m
* T6 Y: G1 u; G% m- s- M$ m' }買得樓就可能係結婚跟住honeymoon 啦' R+ f9 @* y8 X4 ^ t
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.....# _4 }3 C# h% q9 i( ?
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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.....9 r% Z1 V: J' Y/ Y
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$660,000 - $600,000 -$100,000 - $200,000 = - $240,000  v6 a( u, ]# f/ s" s0 d
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之後仲有生仔呢?!?!?.....供書教學呢?!?!?!?  
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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.....7 Y) A( S: w0 u3 `6 G, s' a
5 X. j6 J/ z. K# 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......
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大家有咩見解?!??!?
6 a& w: T6 k; W! o& J+ O) ]同埋有咩計畫係可以更好咁運用你二萬幾蚊既月薪?!?!?
! _6 M8 R& @8 |# L6 f" E. r3 a9 H不妨研究下~~~~   |
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