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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$22,000 per month.....
你地覺得夠唔夠? 9 f% c$ x% M$ c2 H8 R8 a1 j2 Z
6 Z, W; s1 x' _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% m9 p" w H+ l- t% q
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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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3 _9 d/ X& E, K# ^+ ]' H" H以下係我既plan:% B" ]* N4 J5 ^( ~) h
home - $8000
9 I- t( }0 _% o6 @. F2 o- K0 ?self basic use (including entertainment) - $4000; O+ E: [1 c7 _% o$ d6 n9 p- @# _
MPF - around $1000& Z$ H3 r2 L- \) t1 R
inverstment + insurance - $1000-$1500; L* x: g* [4 t
Miscellaneous - around $2000 on average (travel & other purchases & TAX!!!) ; q, Y8 u* U" t/ x0 S( b
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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 S. W9 Y8 C3 f0 N6 _* U, e9 E
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如無意外會有六十六萬o係手.....唔計o的inverstment 同 insurance
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$ h. ?! x7 v" @買層樓當好好地都要二百萬....
) W0 E; r, h k. i) Y, e# L三成首期, 六十萬.....1 q4 ? d* B- U+ k8 E
裝修最少十萬啦..... c: n7 u5 x' |" ]/ V$ `7 I% T# [
# {2 A* @0 l& A$ Y+ e+ {買得樓就可能係結婚跟住honeymoon 啦+ b& |& u3 S4 p" [. ~/ r- |& B
又起碼無咁十零二十萬.....
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& T; F+ w& K1 k$ Z3 T: |2 B& g$ j之後仲要將供樓加埋入每月既支出.....3 `6 y8 K) g) `" r
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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.....
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$660,000 - $600,000 -$100,000 - $200,000 = - $240,000  
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- W" z- y; y$ U0 a4 B* a2 w6 [; m之後仲有生仔呢?!?!?.....供書教學呢?!?!?!?  ; S" ?6 A* |. P9 @* I
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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.....8 Q, i0 r/ {) ]
6 k8 C* y9 E- o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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大家有咩見解?!??!?
5 e8 N7 H9 k8 w' A3 i- u同埋有咩計畫係可以更好咁運用你二萬幾蚊既月薪?!?!?
( f; {/ R2 M* H- }6 T不妨研究下~~~~   |
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