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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$22,000 per month.....
你地覺得夠唔夠? ) z o; z) y$ G. b
: u9 \. t# ^ V9 C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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4 P8 h0 u4 ]0 b: }! K1 f7 R" l0 e- X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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! _; x1 n( `' Y4 u4 @! h2 V3 M以下係我既plan:
/ _5 r1 L) [. {" I i0 `* B8 T- ]home - $8000
# l. G5 J. V2 V9 y/ [4 dself basic use (including entertainment) - $40001 l- t$ ]* l6 m% @. y; h6 z
MPF - around $1000
* P7 j' V. b8 B9 Winverstment + insurance - $1000-$1500; B3 O8 g1 Y2 x0 H6 w
Miscellaneous - around $2000 on average (travel & other purchases & TAX!!!)
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4 t% S" ?0 X% [4 [- Q$ j) UNORMAL SAVINGS: $5000-6000 per month2 _! G7 f: l* g, d) i# C
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AFTER 10 years, your savings: about $5500 x 12 x 10 = $ 660,000
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如無意外會有六十六萬o係手.....唔計o的inverstment 同 insurance/ }2 S) i; ?7 K8 E, Z
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買層樓當好好地都要二百萬.... ( t2 m% t P) k4 p& V& e
三成首期, 六十萬.....
5 s& H o- H5 a5 w! p1 J裝修最少十萬啦.....' }/ D1 z- n, ^5 W. Q, R$ b
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買得樓就可能係結婚跟住honeymoon 啦
0 H8 M# |8 W8 A4 F$ T0 z& y又起碼無咁十零二十萬.....
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. y- G/ _- F/ v8 k7 V7 ~3 l+ _之後仲要將供樓加埋入每月既支出.....6 T9 a9 p$ e& _5 Z, V
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* Q; I5 \. o0 i) j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.....1 z! m: s1 K! n4 X
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$660,000 - $600,000 -$100,000 - $200,000 = - $240,000  L! z8 U; ^4 Z+ w
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4 B0 ]; _5 }: Z; ^! i0 t" [" D之後仲有生仔呢?!?!?.....供書教學呢?!?!?!?  
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真係要有埋老婆果份先得?..... 但係一個男人撐唔起一頭家真係好似有點兒那個.....+ c( e* m6 p9 J% }( X& |# [
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講真, 兩萬幾蚊一個月對於好多人黎講都好ok啦..... 但係如果想有個好d既生活都真係唔係咁容易......
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大家有咩見解?!??!?: F' R5 b) P7 I& G: z, y" P# t' H0 j X3 A
同埋有咩計畫係可以更好咁運用你二萬幾蚊既月薪?!?!?
0 e+ |$ A5 l+ s不妨研究下~~~~   |
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