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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$22,000 per month.....
你地覺得夠唔夠? , J3 c, n( C# n) I4 ?8 H3 f$ J
* ]5 H* Y- C9 h0 n3 P# Q/ I$ ]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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. a" Y' F% B2 w, w' a1 A如果俾我既話講真都ok既, 但係好似都唔係好穩陣.....
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6 K# r" D) [( s! ]/ @* y7 `/ e- c) J以下係我既plan:1 I8 @9 F. A* N
home - $8000
! u" W" Y! i& g) r% D' [, {self basic use (including entertainment) - $4000
1 G0 U/ [. h: w1 R: B+ D! |" ~MPF - around $1000
* v5 N3 ]' j: S3 U) g$ ?" `8 hinverstment + insurance - $1000-$15008 n5 Y# Z0 M* |) T5 G( r
Miscellaneous - around $2000 on average (travel & other purchases & TAX!!!) , [# [# W' t$ c) `$ [; L. y; o
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NORMAL SAVINGS: $5000-6000 per month$ ^/ g6 L6 r& \
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AFTER 10 years, your savings: about $5500 x 12 x 10 = $ 660,000$ n" i; v ?/ s s0 j0 K5 L6 S% A
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如無意外會有六十六萬o係手.....唔計o的inverstment 同 insurance8 s! x, n6 A7 n1 m7 T1 S6 a3 v: H
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買層樓當好好地都要二百萬....
3 T- S# {! F0 S4 B# Q$ L6 [5 q7 M三成首期, 六十萬.....0 a- B/ i5 `* T- n1 l- I/ |! d' |
裝修最少十萬啦.....! l; B2 a5 B! X- p3 V
/ `, y1 ]! @0 E買得樓就可能係結婚跟住honeymoon 啦$ P) ]' J5 l8 G0 Q- ^
又起碼無咁十零二十萬.....! r# O) Z# K* a$ r* x+ B+ T+ s
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之後仲要將供樓加埋入每月既支出.....
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6 }0 Y' b& T D4 |- [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 = - $240,000  9 f7 R/ a# L0 ^, S& k" M; H
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之後仲有生仔呢?!?!?.....供書教學呢?!?!?!?  
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真係要有埋老婆果份先得?..... 但係一個男人撐唔起一頭家真係好似有點兒那個.....% L. w3 B/ S$ y, O( g
% b( O& Q" B9 ?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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8 D: O, y1 ~0 i+ s) @大家有咩見解?!??!?1 L2 Q0 b3 T* y) q8 k& k
同埋有咩計畫係可以更好咁運用你二萬幾蚊既月薪?!?!?
( F5 ?5 `5 F- ^. j: n0 B% y- a& R不妨研究下~~~~   |
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