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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$22,000 per month.....
你地覺得夠唔夠?
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夠既意思係指你會唔會俾得夠屋企, 又ok有能力買樓結婚, 同埋儲下錢以備不時之需咁- V/ U) m# [7 t. V& r
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9 _8 X& s; l: J: n0 @如果俾我既話講真都ok既, 但係好似都唔係好穩陣.....
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% V$ M2 {/ I5 h/ @以下係我既plan:! V2 i; A5 |+ T T
home - $8000
0 b% {$ J1 ]8 S# m7 Uself basic use (including entertainment) - $4000
$ x/ \# u. F5 W! l- P! |5 [MPF - around $1000
, b0 ^0 z8 ~7 Z4 Binverstment + insurance - $1000-$15003 Y7 Y6 m- f; X5 O! u
Miscellaneous - around $2000 on average (travel & other purchases & TAX!!!) " V( ]$ ?$ p# \8 w/ E n! O% x
) Z/ {; q4 I5 D6 Y3 a& CNORMAL SAVINGS: $5000-6000 per month: o. }. M0 Z" i& r$ T5 s
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AFTER 10 years, your savings: about $5500 x 12 x 10 = $ 660,000
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2 K$ B2 G, t [5 \2 N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.... " A5 e/ r' Y# v" A' a
三成首期, 六十萬.....4 }% n7 `' U* a. ]( Z* r
裝修最少十萬啦.....
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5 J8 d: [# r$ ~& C5 R M0 n買得樓就可能係結婚跟住honeymoon 啦( K1 b8 |1 q2 b2 ~8 _+ G. X
又起碼無咁十零二十萬.....
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. M+ W& V$ Y% t之後仲要將供樓加埋入每月既支出.....
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3 y9 S/ Q! p% U6 k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.....! Y; R+ c; h L: t; B
4 ~: t& v# R7 j; c; M$660,000 - $600,000 -$100,000 - $200,000 = - $240,000  
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* H1 [0 ~0 G' f( B之後仲有生仔呢?!?!?.....供書教學呢?!?!?!?  7 _2 i" F2 u% v* I8 I7 N
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0 [) T+ G3 J2 r3 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.....
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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......5 v) s! e8 S! e0 ], K5 C
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大家有咩見解?!??!?
2 i- k8 C# K9 S5 R3 T. I同埋有咩計畫係可以更好咁運用你二萬幾蚊既月薪?!?!?
; @ e2 ]2 z; Y& R不妨研究下~~~~   |
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