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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? % J+ Y9 k# p0 t- N1 t' G: a
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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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" Z5 k; K1 Z' F/ _8 i. T7 `5 [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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以下係我既plan:0 g" ? E- r9 N+ w3 w" I/ D( h' k
home - $80009 |; T! s: Q; u" M K5 ~. `/ `
self basic use (including entertainment) - $40001 y# Q! M) i* Q. c4 |$ ?
MPF - around $1000' I. C, ]. g, p* A1 H1 ^' B
inverstment + insurance - $1000-$1500
6 @ E- k/ n A: D. g4 WMiscellaneous - around $2000 on average (travel & other purchases & TAX!!!)
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4 k. L" m# v) H$ c1 g+ Z6 b; YNORMAL SAVINGS: $5000-6000 per month
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( V3 J% U& Z; n# z0 YAFTER 10 years, your savings: about $5500 x 12 x 10 = $ 660,000
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, L; |% l; n W, L' c如無意外會有六十六萬o係手.....唔計o的inverstment 同 insurance a; h8 Z! v, _$ V0 Z1 |
1 C' x2 h- {& U6 t買層樓當好好地都要二百萬.... # E6 M9 g* t( n, e4 M9 b5 }
三成首期, 六十萬.....
% r, |2 q$ a$ |% H) S+ H1 C裝修最少十萬啦.....+ G. G; B b) {4 K+ y8 O
' C. i+ i/ x/ m- B買得樓就可能係結婚跟住honeymoon 啦
* ?/ O; H" W5 G( U6 `* v又起碼無咁十零二十萬.....- o1 l7 x; `4 J: p- M4 |
# j# b7 c# g8 o4 }! `& Q' A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.....+ m$ e6 A5 z* U: `: O) Y: M+ k
3 c& [6 p3 e2 f$660,000 - $600,000 -$100,000 - $200,000 = - $240,0005 ]: q: l% o) c7 Z9 O$ c! R1 @
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之後仲有生仔呢?!?!?.....供書教學呢?!?!?!?9 ]! e& a8 m4 H" _+ K( v
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! Q+ J6 Z/ `9 H- s$ ^# P7 f+ g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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6 U) \! j# r5 U# x8 y. h6 Q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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: @, f9 d% n( d. y大家有咩見解?!??!?* |" `4 X- o/ p. a# V: N
同埋有咩計畫係可以更好咁運用你二萬幾蚊既月薪?!?!?
\, d- i1 U2 p3 m: [4 X& D不妨研究下~~~~ |
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