大家會點分配每個月的收入

wonghungwai

講真,我覺得打工既收入係有限,要真正搵錢一定係投資, 股票,金,樓......千咁多種方法
作為一個搵得15,6k 既打工仔,我自己的分配如下:
$2000 屋企
劃$3000~4000食飯搭車,陪女友etc.....(因有帶飯)
其他儲

大家又會點分配?可以share下......

tailowan

wonghungwai 發表於 2013-5-25 11:18
講真,我覺得打工既收入係有限,要真正搵錢一定係投資, 股票,金,樓......千咁多種方法
作為一個搵得15,6k 既 ...

嘩！咁乃咪好快有首期！

tailowan

wonghungwai 發表於 2013-5-25 11:18
講真,我覺得打工既收入係有限,要真正搵錢一定係投資, 股票,金,樓......千咁多種方法
作為一個搵得15,6k 既 ...

其實齋儲、又冇息會洩通漲！試下買少少股票、黃金分散投資！

long1083

努力儲錢,勁

mastertim

wonghungwai 發表於 2013-5-25 11:18
講真,我覺得打工既收入係有限,要真正搵錢一定係投資, 股票,金,樓......千咁多種方法
作為一個搵得15,6k 既 ...

記得供d保險,同時,如果同女友感情穩定,咁大家一齊儲首期,如果對股票認識不深,咁就每月定期,等到股災再買d大藍籌如恒生銀行,中電,電能實業收息.

adamscheung

$2000 屋企...
少d wor...

snfan

回應 wonghungwai #1 的帖子

$3000-$4000做日常消費, 都算幾多bor. 如果有帶飯黎講

coex

It all depends la...I think you need to consider what your investment/savings objective is:

the traiditional chinese people like to do it as 十用七存二收一, as in use 70% and save 20% and that 10% is for your children...
but i think thats a bit too unrealistic... best to follow a 4321 plan.

that is, for every 10 dollars of income, use 40%, invest 30%, save 20%, 10% is buffer in case of emergency.. but it all depends on your goals and spending needs la

For example, if you want to buy a car/house in the next 2-5 years, dont put your money in the stock market (equities or derivatives)... because the risk is too high for you.. should consider buying fixed income instruments that is safe and you can gurantee returns... if you already have a house and have no big expenditures upcoming and purely want to save for retirement, can consider putting some money in the stock market because your investment horizon is >10 years

edit: for me, I put about 30% of my income into my investment portfolio and save about 30% of it for either extra expense or some other stuff that I like (so i dont feel so depressed about saving too much haha) and spend the rest 40% on necessities...

ahta

每個月儲9000 咁勁

ahta

每個月儲9000 咁勁

harddick

adamscheung 發表於 2013-5-27 00:35
$2000 屋企...
少d wor...

$2000 屋企...
你都真係儲好多喎

liuxiang2013

储蓄王！

ALKO

我每月儲一萬都, 覺得自己儲得少

jaba123

save $3000 and spend the rest lor...

abc85

儲唔儲到都好睇屋企
樓主正啦...

Bigcar

回應 ahta #10 的帖子

揾到份淨月薪，三萬元嘅收入，交租都要用咗6千幾，加埋水電，其它亁嘅開支都要5千元，有三千元要來俾父母生活費，自己兩個小孩，又要供書教學都要三四千元，再交給太太八千元，自己亦要返工食飯，連埋應酬朋友，再買少少波馬，根本就冇錢剩。何來重有錢投資？

Bigcar

ALKO 發表於 2013-6-1 21:02
我每月儲一萬都, 覺得自己儲得少

我有啲朋友，可以咁做，但係生活上俾人覺得佢，太過寒酸，做人要應用錢就用，唔需要太孤寒慾酸。

ahta

Bigcar 發表於 2013-6-4 14:58
回應 ahta #10 的帖子

揾到份淨月薪，三萬元嘅收入，交租都要用咗6千幾，加埋水電，其它亁嘅開支都要5千元 ...

交租埋水電 12K
父母生活費 3K
兩個小孩 4K
太太       8 K
自己得番3000 ???

Bigcar

回應 ahta #18 的帖子

祗可以日日去，大乜樂，同麥記食啲特價嘢，好慘情，放工重要迫巴士。

李揸成

月入$13700

賭博收入$20000 (如輸-$3000)

食飯搭車$1044
賭博(足球,賽馬,六合彩,澳門賭場) $3000
家庭開支$6700
娛樂$1088
什項開支$988

剩餘 $880