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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$22,000 per month.....
你地覺得夠唔夠?
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夠既意思係指你會唔會俾得夠屋企, 又ok有能力買樓結婚, 同埋儲下錢以備不時之需咁
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如果俾我既話講真都ok既, 但係好似都唔係好穩陣.....6 {7 b1 A2 b$ c% d( G. {( ^$ M% S
4 q0 z, H; K, n/ X4 A以下係我既plan:
& F# u; J! f, l, \' E+ C, y9 xhome - $8000
, I5 C' h9 B* I: z% O9 Y# l- rself basic use (including entertainment) - $4000# |! y4 T3 H; j
MPF - around $10006 y+ ~) n3 {" e
inverstment + insurance - $1000-$1500
* M6 X" Y% ]( y! S6 NMiscellaneous - around $2000 on average (travel & other purchases & TAX!!!) ' P) A# M0 m1 K$ M! j2 E8 D
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NORMAL SAVINGS: $5000-6000 per month; X, K) x) x% c
) B# U& q. |5 O0 ^; U+ @7 rAFTER 10 years, your savings: about $5500 x 12 x 10 = $ 660,000: P% I$ T; j- Q
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$ x' O; j; t; |8 t/ I! h& [* S如無意外會有六十六萬o係手.....唔計o的inverstment 同 insurance
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) N5 ~5 @. g7 |; v買層樓當好好地都要二百萬.... 9 [/ \ }+ L/ z! h3 d
三成首期, 六十萬.....2 j( J( T$ K: Y- A
裝修最少十萬啦.....5 ~, G$ L4 ~6 v8 j1 k
% E2 r1 c# ~0 O. p買得樓就可能係結婚跟住honeymoon 啦
9 \% J4 q/ ^; ?# t又起碼無咁十零二十萬.....5 b5 c! ^1 q" d1 m
/ y# }$ P, I! p; e& _, d# ?之後仲要將供樓加埋入每月既支出.....
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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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$660,000 - $600,000 -$100,000 - $200,000 = - $240,000  
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之後仲有生仔呢?!?!?.....供書教學呢?!?!?!?  ) B% U$ {) f4 a0 W& b' a4 U: D8 f s
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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.....
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1 f5 I, g! g: W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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2 q4 M8 P/ L9 N; z- ~# c3 s' U大家有咩見解?!??!?
; M+ R/ a. z7 r同埋有咩計畫係可以更好咁運用你二萬幾蚊既月薪?!?!?4 Z7 \) v6 G$ Y* X! D+ p* t
不妨研究下~~~~   |
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