如果你o係未來十年平均收入係$22,000 per month.....
你地覺得夠唔夠? ! [# Y3 S% ~* H- @; P! U& X
" Y* ?* `4 `3 I0 G, p! l6 ~! D夠既意思係指你會唔會俾得夠屋企, 又ok有能力買樓結婚, 同埋儲下錢以備不時之需咁
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如果俾我既話講真都ok既, 但係好似都唔係好穩陣.....
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以下係我既plan:4 P+ j" D$ n5 G
home - $8000
1 J/ f* I( F/ qself basic use (including entertainment) - $4000
+ U' B, S7 [0 J3 f/ P1 [MPF - around $1000* t; T9 y8 F1 h7 e
inverstment + insurance - $1000-$1500- b Z5 |9 m H/ c9 K' [
Miscellaneous - around $2000 on average (travel & other purchases & TAX!!!) q' G0 M0 [9 |( f$ x4 u( \/ h
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NORMAL SAVINGS: $5000-6000 per month
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AFTER 10 years, your savings: about $5500 x 12 x 10 = $ 660,000
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! p* ~ a$ [$ H8 K3 ~6 X s/ d+ D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....
* e8 M# |1 F* c三成首期, 六十萬.....
( ?% B9 B* Z4 C' w8 H0 s0 o6 _& X裝修最少十萬啦.....
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* i& R6 s7 B; P& P7 D買得樓就可能係結婚跟住honeymoon 啦
& b. W1 r- |6 {4 {0 k2 r又起碼無咁十零二十萬.....8 L& i. u% |. I
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之後仲要將供樓加埋入每月既支出....., ]+ f+ f3 N) W# E5 w' v% d
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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.....& f' m$ [2 U& t
# g( G2 [0 b5 \# m' a$660,000 - $600,000 -$100,000 - $200,000 = - $240,000  : b! T# |, a! z1 P" T) B: e
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之後仲有生仔呢?!?!?.....供書教學呢?!?!?!?  / u' Z) a& ]& h/ d
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v y/ x4 c6 Q6 J# \! J$ }' r4 O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.....$ a" a2 g# {; q# C
( H$ t0 e# c" h! i/ F' v& k( }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....... G& U7 ?' s8 j# U; b
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: f' c5 V8 ~- O% K2 l. A- w大家有咩見解?!??!?3 Z6 s* q0 q: J! Y- c! l
同埋有咩計畫係可以更好咁運用你二萬幾蚊既月薪?!?!?
) w! x3 `. G5 [% c不妨研究下~~~~   |