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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$22,000 per month.....
你地覺得夠唔夠?
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$ k4 e; H! L1 x2 i& k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) U( R$ e" [- C1 D4 Z' D" x5 d
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/ C! B" F: N/ T# F如果俾我既話講真都ok既, 但係好似都唔係好穩陣.....8 H8 `, {4 }& m; J# o
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以下係我既plan:
4 y! L( H! A( `7 Y( a0 F2 nhome - $8000' K; b B$ S- z5 _2 _. t. ?
self basic use (including entertainment) - $40008 @2 {3 T7 F4 ~% y
MPF - around $1000
; j1 ^$ g5 d) }inverstment + insurance - $1000-$1500
, e) O( o% l8 r1 r* |# l' C; IMiscellaneous - around $2000 on average (travel & other purchases & TAX!!!) ! c7 i6 E+ s0 n2 l. B
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NORMAL SAVINGS: $5000-6000 per month
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, s/ ^+ ^0 |- q% R( y/ F- ZAFTER 10 years, your savings: about $5500 x 12 x 10 = $ 660,000& C7 u7 U' e" S% d" W: Y: |# D
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* k) f1 C, ~7 u+ W6 F3 b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.... , p% _1 j2 w+ }+ p, h
三成首期, 六十萬.....
- I2 p ^5 d5 S5 }; J9 ], f裝修最少十萬啦.....
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) ?# Y4 l/ D( M8 d- h買得樓就可能係結婚跟住honeymoon 啦5 o6 o1 e- k, y* U# f) g& v1 c
又起碼無咁十零二十萬.....
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' [* | `0 ~0 ~8 L& p/ M7 @: u之後仲要將供樓加埋入每月既支出.....& f! z* g$ S; @# P
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; R) r" [2 r; z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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) C* k0 i! B7 U h, h$660,000 - $600,000 -$100,000 - $200,000 = - $240,000  1 t8 t' p/ a- x/ F4 O
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# h1 V+ o& X/ t9 {, `之後仲有生仔呢?!?!?.....供書教學呢?!?!?!?  9 E% {6 o) p0 K! I8 N- K6 d: r. Z
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5 T/ R+ H) E- i7 R3 j# b. v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.....( m# {7 b Q p6 E2 A3 b
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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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5 q" I A- J: f- F/ T& X" P大家有咩見解?!??!?! |( @8 |5 a6 h5 A. L6 t) S0 g+ z
同埋有咩計畫係可以更好咁運用你二萬幾蚊既月薪?!?!?
0 E, k( F! k+ |* o* o不妨研究下~~~~   |
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