如果你o係未來十年平均收入係$22,000 per month.....
你地覺得夠唔夠? + A% }# ^3 A" R. F; b' {! h
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夠既意思係指你會唔會俾得夠屋企, 又ok有能力買樓結婚, 同埋儲下錢以備不時之需咁
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如果俾我既話講真都ok既, 但係好似都唔係好穩陣....., c/ ] t/ W7 o/ Y3 U( F( u
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以下係我既plan:$ X b7 T! Z7 y) j: q. F) B4 _% n
home - $80003 U+ O1 B. I2 {/ o
self basic use (including entertainment) - $4000/ `7 D) n+ D) [' ^: P4 H- d) @9 t
MPF - around $1000
8 [/ _/ W3 ]# h0 f$ cinverstment + insurance - $1000-$1500
- `" _2 w5 u' `* f; N" mMiscellaneous - around $2000 on average (travel & other purchases & TAX!!!) 6 d: C* F3 C( x. u, n0 h
" z1 f$ d* M9 ~7 j [NORMAL SAVINGS: $5000-6000 per month
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P( E: F. k" @3 N8 nAFTER 10 years, your savings: about $5500 x 12 x 10 = $ 660,000
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" Q5 U* t5 _) F如無意外會有六十六萬o係手.....唔計o的inverstment 同 insurance
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; g: P' r1 X# e6 f m3 d# d買層樓當好好地都要二百萬.... % @6 E$ q' O8 Q3 m3 z
三成首期, 六十萬.....
8 k; @8 ]# M) ^$ V- G1 j5 w9 D裝修最少十萬啦.....
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買得樓就可能係結婚跟住honeymoon 啦
4 b2 V3 x6 @9 _+ F. [又起碼無咁十零二十萬.....0 N, ^! ?2 [5 @2 z9 q3 v- O# W
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之後仲要將供樓加埋入每月既支出.....4 v! ^6 I% _# W
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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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3 L- c3 t7 s$ l3 o8 B$660,000 - $600,000 -$100,000 - $200,000 = - $240,000  $ e& N2 h; M& s% p
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之後仲有生仔呢?!?!?.....供書教學呢?!?!?!?  : N p9 c0 M. ~0 L" {2 F
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, a* l$ @9 R3 ~( o! D3 R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.....- t9 T" w6 O. l# z. R0 v; H
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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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大家有咩見解?!??!?: c8 I* ^) {* u' S9 b( L2 w* H
同埋有咩計畫係可以更好咁運用你二萬幾蚊既月薪?!?!?+ ?4 c4 ~+ e7 E1 M
不妨研究下~~~~   |