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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
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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.....; |4 G- ?/ |" I' R, q1 G2 j O
2 J# ^7 e% u0 ] p以下係我既plan:8 `; v& @, Y1 {. D1 g
home - $8000) R6 J# I1 x# E; h
self basic use (including entertainment) - $4000
# c$ {3 V0 {( u* qMPF - around $1000
7 M1 C+ e5 `2 o( X/ Tinverstment + insurance - $1000-$1500
# |( N; e7 ?4 |8 Y% oMiscellaneous - around $2000 on average (travel & other purchases & TAX!!!) / q# s; _4 w; u% m9 A# G3 r
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NORMAL SAVINGS: $5000-6000 per month) W9 l) L$ ~4 N9 H1 L; _7 n
9 X9 V. c2 E, t8 |AFTER 10 years, your savings: about $5500 x 12 x 10 = $ 660,0004 c& g7 i: `: h2 }
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# y7 i2 X7 T$ T- G9 ?如無意外會有六十六萬o係手.....唔計o的inverstment 同 insurance
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5 K) R# h6 g+ n. H0 ^6 y( ~$ M \2 q9 x買層樓當好好地都要二百萬....
- c8 _% c" J7 a$ M, D三成首期, 六十萬.....
# P, T! i. F( h$ ~( l裝修最少十萬啦.....! R% P, b R% A6 }6 `. W
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買得樓就可能係結婚跟住honeymoon 啦
' |+ u% n5 v7 i又起碼無咁十零二十萬.....
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之後仲要將供樓加埋入每月既支出...... d5 B5 E: ?. {0 r# F# T
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$ P b& ?/ C: P" _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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% k1 W+ T& k8 ^( e4 I7 v6 c2 h' d$660,000 - $600,000 -$100,000 - $200,000 = - $240,000  
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之後仲有生仔呢?!?!?.....供書教學呢?!?!?!?  
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$ b+ L5 W, |: w: A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.....7 @ C! z2 g; t3 ]1 S
8 S# B7 m% _+ |, z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......3 b4 k, x+ X) m4 _, e$ U
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) V0 S7 G0 r; s2 A4 Z大家有咩見解?!??!?# |$ I# P U, z+ C5 k! m0 K3 P& C
同埋有咩計畫係可以更好咁運用你二萬幾蚊既月薪?!?!?
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