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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? 7 P" z9 ?- f0 m, ?2 `% w( Z
# ]; G- x: t5 s9 {# \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.....7 c: c; W- p: G
: P1 h4 M+ L, E+ J# p以下係我既plan:8 o) ~) |4 P- c8 b
home - $8000
4 H4 q! A" [" t3 oself basic use (including entertainment) - $4000
' n: C k9 t. z; v8 XMPF - around $1000
! }) Q! D6 Q: F; E! @0 P$ s6 o) Zinverstment + insurance - $1000-$15003 u( Q& t" q8 Q2 J4 g
Miscellaneous - around $2000 on average (travel & other purchases & TAX!!!) 7 o! {4 Q: y7 J2 n
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NORMAL SAVINGS: $5000-6000 per month% o# q7 a g3 N* V( b) p3 C3 U7 K6 I
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AFTER 10 years, your savings: about $5500 x 12 x 10 = $ 660,000) T0 E" {4 N6 d& k5 \8 {( I3 D
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如無意外會有六十六萬o係手.....唔計o的inverstment 同 insurance3 U$ F0 s' k$ y" t3 g0 A
0 I6 D* _, ~9 n5 t買層樓當好好地都要二百萬.... % j D* u4 M$ ~: y4 f8 x. t6 [
三成首期, 六十萬.....5 ~( ~2 p0 {% |4 t4 b, B5 |
裝修最少十萬啦....., b" Y" T3 t2 J: d. X
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買得樓就可能係結婚跟住honeymoon 啦
, F B0 n+ z) x6 G& E- ^又起碼無咁十零二十萬.....0 P$ e: u, M: r2 D, r$ H
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之後仲要將供樓加埋入每月既支出.....5 X' e% A2 H# S6 B
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" Z6 d: q3 E O6 X* X$ n0 m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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# C1 z% A* P7 |* y/ J8 c0 b$660,000 - $600,000 -$100,000 - $200,000 = - $240,000  0 f; w* U+ x2 @# X4 ]- |- R
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: S! y9 k; A! a. Z8 `; s6 d之後仲有生仔呢?!?!?.....供書教學呢?!?!?!?  
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真係要有埋老婆果份先得?..... 但係一個男人撐唔起一頭家真係好似有點兒那個.....* d" R$ o, o# S+ b" t: j
0 S( {: k3 W2 {2 Y+ v3 ]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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9 E# e, p/ _' u, j6 m) O大家有咩見解?!??!?. A, T( W. k, q% M2 i
同埋有咩計畫係可以更好咁運用你二萬幾蚊既月薪?!?!?6 q3 o5 |/ K7 f1 m0 r
不妨研究下~~~~   |
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