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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? $ {, f9 H9 P! m0 K
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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: f: D! C& {" L g: H8 `4 t
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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.....! u7 A$ N( Z3 q% B
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以下係我既plan:/ G( M- y% {$ G+ M' X1 {
home - $80001 N8 l3 q3 l9 [0 x
self basic use (including entertainment) - $4000
* {2 K$ Z; f5 W2 d( S7 X1 z/ B2 FMPF - around $1000
% V* u8 A9 c! \inverstment + insurance - $1000-$1500/ P/ z/ u, D1 ^, t* M* y! m2 d
Miscellaneous - around $2000 on average (travel & other purchases & TAX!!!) % a% Z3 z0 q0 _' z6 S! b
$ j7 d) k! P* ~0 r. B) o+ `NORMAL SAVINGS: $5000-6000 per month
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3 w& O9 s- [% N; y/ Y: rAFTER 10 years, your savings: about $5500 x 12 x 10 = $ 660,000
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- e$ J2 l, P) H7 K如無意外會有六十六萬o係手.....唔計o的inverstment 同 insurance! _8 h& H1 ^( c6 S" ]/ c. m! ?+ B3 s
, r% Q$ u8 ~" K' @2 H買層樓當好好地都要二百萬....
' v9 o: m, a _三成首期, 六十萬.....
. j( ]" e1 p# \3 B" }裝修最少十萬啦.....
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C" b+ |$ j3 ~7 \買得樓就可能係結婚跟住honeymoon 啦
* Y1 B" e9 W( q6 L" @% w/ s5 F) i又起碼無咁十零二十萬.....' b/ y) F3 U+ F3 @; f1 u* ?
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之後仲要將供樓加埋入每月既支出.....% @" e4 C$ }* q! t K
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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.....) O, ?7 R+ F7 p4 L# b
- z5 g, E! N+ K$ d$660,000 - $600,000 -$100,000 - $200,000 = - $240,000  4 }% d7 `$ a* ^: k
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8 `9 }( L) Y/ f# Y5 \之後仲有生仔呢?!?!?.....供書教學呢?!?!?!?  , U$ p7 {' U* E& |2 b& N" g
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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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4 t, J# ]' ]3 R, J3 M0 `% r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......) ?1 H) N% e2 q; v
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7 X; _' \7 Z5 ^! [2 W7 H大家有咩見解?!??!?
* B5 x- ?+ s+ J! Z0 g同埋有咩計畫係可以更好咁運用你二萬幾蚊既月薪?!?!?6 h2 t4 w/ {# m, X6 U* A
不妨研究下~~~~   |
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