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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?
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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9 _2 Y6 @+ L7 Q0 A+ O, k. n
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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.....7 Q- }1 o. R! d; R4 f5 F
( }& h( i; ]2 O以下係我既plan:
2 |8 g' q7 N1 Hhome - $80006 j1 E0 a9 J; J8 A' K, X$ _! }
self basic use (including entertainment) - $4000
& v# w7 Z0 _% [/ h+ G- r+ p& R( gMPF - around $1000
) g6 K7 d- @4 S* N6 ^, Oinverstment + insurance - $1000-$1500
' {/ G r6 M* ~" S/ |6 _5 YMiscellaneous - around $2000 on average (travel & other purchases & TAX!!!) * L' H. r+ d5 ] v
. X" d* K4 q, w2 {NORMAL SAVINGS: $5000-6000 per month
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+ ]9 h4 Z: X6 N& ^( q$ dAFTER 10 years, your savings: about $5500 x 12 x 10 = $ 660,0008 G5 U$ V% p, Y- c* u
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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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) N( h8 o* s' {+ f7 n4 g買層樓當好好地都要二百萬.... # l+ a$ t- D6 {. X
三成首期, 六十萬.....
0 C: |5 \. G9 N" M8 S4 F裝修最少十萬啦..... O" }. V$ D: B
; `. F! s( H# |' o買得樓就可能係結婚跟住honeymoon 啦
' ^5 o! y1 o5 j3 ]又起碼無咁十零二十萬.....3 f' ?1 u: o! e- f: X
" n2 I: L& b) E之後仲要將供樓加埋入每月既支出.....6 M6 H3 n; Z6 h' V/ h" V2 w/ P
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( g. g+ q9 v M' s6 z% v; z( w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.....* H v& K z3 U6 f, ?+ \
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$660,000 - $600,000 -$100,000 - $200,000 = - $240,000  ! C" A% z7 o2 J
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# X r1 T* ^( q+ k之後仲有生仔呢?!?!?.....供書教學呢?!?!?!?  
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真係要有埋老婆果份先得?..... 但係一個男人撐唔起一頭家真係好似有點兒那個..... E4 S8 k0 m) k2 c* m/ k. z3 w
7 T( k* Y, G0 i: R講真, 兩萬幾蚊一個月對於好多人黎講都好ok啦..... 但係如果想有個好d既生活都真係唔係咁容易......- c0 K! {) L% @
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大家有咩見解?!??!?2 @+ U5 y: x. ~6 e* k$ h1 I( v" ?
同埋有咩計畫係可以更好咁運用你二萬幾蚊既月薪?!?!?
4 ~5 x G" G( n/ L/ o' _不妨研究下~~~~   |
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