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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? , a1 f2 o H0 c( f' f2 R. e
2 q4 D2 R0 H4 ]3 M( P+ s% l: H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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; x. p1 h, I( b; z以下係我既plan:: I- A, Z9 N( d8 j, n/ b
home - $80000 z& D" F- [5 ?' \; P9 P. j& G1 a
self basic use (including entertainment) - $4000' w& |' o- m1 l) J$ m& \; z. P
MPF - around $1000' v5 K7 m6 G/ q) B
inverstment + insurance - $1000-$1500+ j$ @! O; C' ?% G" ]! ?% o! o
Miscellaneous - around $2000 on average (travel & other purchases & TAX!!!) + V- y: E. f& f5 h0 ^2 e
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NORMAL SAVINGS: $5000-6000 per month ]6 c( s7 o6 Q' E5 O7 d2 r: e5 ]
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AFTER 10 years, your savings: about $5500 x 12 x 10 = $ 660,000! m# B! u7 i7 A5 p+ X2 i! }
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" B4 |% n$ B! 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....
" N/ U% v' h6 q- _2 \) P d三成首期, 六十萬...../ l6 J) a8 G6 }1 m' f [# j& _# a
裝修最少十萬啦.....( C8 b6 o0 P: x/ a) A
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買得樓就可能係結婚跟住honeymoon 啦
( E, @, q6 }; P" K6 ?! ~( M又起碼無咁十零二十萬.....% `9 w, t1 O/ [) ?1 M! o5 ^+ w
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之後仲要將供樓加埋入每月既支出.....* G6 D7 H; K. g% n0 f' @& f& L
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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 = - $240,000  
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6 x" Y5 j2 k4 `之後仲有生仔呢?!?!?.....供書教學呢?!?!?!?  0 l2 I# ^; {5 r& p: T n/ ]
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真係要有埋老婆果份先得?..... 但係一個男人撐唔起一頭家真係好似有點兒那個.....
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6 D$ a, d/ Q& B8 K. H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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4 J/ j! V$ I% @, f9 y: ~4 y B |大家有咩見解?!??!?6 [8 i8 C1 d8 c9 O2 x
同埋有咩計畫係可以更好咁運用你二萬幾蚊既月薪?!?!?
3 z! j/ E1 i) F& B/ w* B不妨研究下~~~~   |
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