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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? 8 t; S3 M8 y8 E( y2 ^4 `6 E8 G
0 K- J3 K1 r+ j. [% ?/ ]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.....2 [/ ]9 l7 E5 j J, W9 y
' u+ ]3 |) B7 \2 ]) C0 r以下係我既plan:
8 _) V% w1 v4 Lhome - $8000) a2 Q$ |9 x7 v ^8 o
self basic use (including entertainment) - $4000
4 f4 o; x# P$ o0 t1 W6 Z% b/ LMPF - around $1000
4 O; G- j2 ]$ T0 xinverstment + insurance - $1000-$15006 U7 h$ Q& A+ d; B6 X" [0 N
Miscellaneous - around $2000 on average (travel & other purchases & TAX!!!) 5 f' b. ~# D7 U# o' ]" ]: O. Q
) X9 s) d+ l6 y; B% \1 B. \) wNORMAL SAVINGS: $5000-6000 per month
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AFTER 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' c- Q# U1 F( {9 ]5 L: f4 m3 L# V
% k8 R0 U: I- F7 e5 N V買層樓當好好地都要二百萬....
& M9 ], T' n- O: p9 y9 D三成首期, 六十萬.....8 i8 ~, x5 m+ ?
裝修最少十萬啦.....
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! `' D' l6 N+ D1 O: l買得樓就可能係結婚跟住honeymoon 啦$ H. h( Q+ k& u% Q8 p" w
又起碼無咁十零二十萬.....
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) ^5 d: X! Z5 }: a' D5 u* n3 `之後仲要將供樓加埋入每月既支出...... ~: y7 a6 I% p _# k7 d3 z
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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....." C, J; F. g- k0 ?; o' F4 p
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$660,000 - $600,000 -$100,000 - $200,000 = - $240,000  # @9 j1 i0 ], ]! ? P
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# w z+ s: D) Z" i5 Q之後仲有生仔呢?!?!?.....供書教學呢?!?!?!?  
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' ~7 ^" M. |% U; w# n& s$ P, c3 i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.....$ r7 T1 U$ ]7 H6 x/ X
! Z2 B1 P+ X z7 G; a# ~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......" L% B8 B% J: m* J. U
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大家有咩見解?!??!?
. j m/ A: w1 v( _& }9 _1 ]6 Y k同埋有咩計畫係可以更好咁運用你二萬幾蚊既月薪?!?!?" i3 K3 k: x9 x! v: z
不妨研究下~~~~   |
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