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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$22,000 per month.....
你地覺得夠唔夠? 7 b- P( G2 v) Q: s: B0 [
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夠既意思係指你會唔會俾得夠屋企, 又ok有能力買樓結婚, 同埋儲下錢以備不時之需咁
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如果俾我既話講真都ok既, 但係好似都唔係好穩陣.....( R, ?; u8 O# N$ Y; r
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以下係我既plan:
: k" o! u; q9 |0 uhome - $8000
# |! \4 G. G& iself basic use (including entertainment) - $4000, k6 N/ x6 v8 r3 F
MPF - around $1000
( ~: \- l/ \- ~+ winverstment + insurance - $1000-$1500
" S& a5 W1 T7 {7 W+ }/ nMiscellaneous - around $2000 on average (travel & other purchases & TAX!!!) ! s6 x; e* Q3 V! ~# P; D5 m9 f
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NORMAL SAVINGS: $5000-6000 per month
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2 x8 H, c- }. X. T4 Q" k1 T- F/ P5 kAFTER 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# s3 R" s$ A) {& B
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買層樓當好好地都要二百萬.... $ O. x; `9 |* W& G! g( u
三成首期, 六十萬.....) e b3 _* I: Q: M. C
裝修最少十萬啦.....
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買得樓就可能係結婚跟住honeymoon 啦
7 R, O8 e: ^" g: F又起碼無咁十零二十萬.....6 M& J2 a, u5 Z3 O' L. i1 Y8 o
# O4 c! P; {4 k/ h之後仲要將供樓加埋入每月既支出.....
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* b6 G7 k7 t2 |; o0 f- v9 ?+ r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.....! V" P# v9 R9 v6 P
5 x2 J2 J5 H. x# {$660,000 - $600,000 -$100,000 - $200,000 = - $240,000  4 n4 z/ Z* j! o5 ], V
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% j" o: T+ B, F: U1 J/ @之後仲有生仔呢?!?!?.....供書教學呢?!?!?!?  
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0 F8 |! Y7 j% a6 r! e$ z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.....0 G- k% X" A8 w$ Y, s J/ }
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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......! P J, `- z2 ^- J( r! G. D6 V
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& x$ U8 A% k+ X4 B' P" C- p8 O大家有咩見解?!??!?3 k: N2 r: a' l/ |% x6 w
同埋有咩計畫係可以更好咁運用你二萬幾蚊既月薪?!?!?1 [+ L: Q) |7 g9 K0 z3 W& y1 a* j6 F
不妨研究下~~~~   |
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