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作者: auyatyat 時間: 2010-11-10 20:14 標題: 家庭開支

頭先睇o左"grocery talk",某個三人家庭一個月開支$1700,真係好佩服

我粗略計o下自己一個月o既開支
電話$80
車保險$200
工作保險+會費$250
入油$300
電話費$80
internet$30
比老豆$700
平均學費( >_< 因為仲o係度考緊另一個牌) $200
飲食 $300 ( o係屋企食早餐同pack lunch,但係有時出去做o野無得帶要被迫o係街食, 夜晚一半o係屋企,一半出街食)
gym/tennis 羽毛球book 場 $40
其他 $200 (藥,日用品....given that 我好少買衫亦都唔係好買名牌手袋化妝品之類...)
兔糧/草 $10
因為要讀書o既關係,我無乜娛樂,最多都係買o下$10 三隻dvd...
係咁易計o下都接近$2400

我好多同學都話儲唔到錢買屋/結婚..或者唔敢生仔,驚自己搞唔掂...但係以前隔離屋果2公婆都係做min pay o既工,佢o地一樣儲到錢買屋,迫埋6個人o係樓上,租o左個basement出去,人o地一樣生活到...

作者: 快樂牛郎 時間: 2010-11-10 21:06

you just spend too much

作者: MSN04 時間: 2010-11-10 21:10

u listed telephone x2

作者: habitrailspace 時間: 2010-11-10 21:33

you just spend too much
快樂牛郎發表於 2010-11-10 21:06

which part?

作者: auyatyat 時間: 2010-11-10 21:51

回復 3# MSN04

sorry, home phone + cell phone

作者: habitrailspace 時間: 2010-11-10 22:04

回復 MSN04

sorry, home phone + cell phone
auyatyat 發表於 2010-11-10 21:51

home + cell phone = $160 that's expensive bor!

作者: auyatyat 時間: 2010-11-10 22:11

入油,車保險,工作保險,會費,讀CPD,電話/internet費 <--- 唔交是但一樣都唔洗開工
又唔可以唔比老豆
食o野$300,其實係大約$10 一日
$200 日常生活,屋企用o既o野,食藥睇醫生睇牙醫其實都唔過份
娛樂只係做運動,養o下兔仔同買幾隻dvd...

by the way,幾年前o岩o岩u grad 出o黎做o野,入行training得$9.75/hr,無車,未洗買工作保險,未洗交會費,供自己讀master (total ca$15,000),果陣自己一個人o係加拿大,係咬住牙關過.依家$2400 其實係人工o既一部份,淨返果d 儲o下儲o下儲o左個首期可以買屋,但係一直睇唔o岩...一路睇d 屋又一路貴...

作者: auyatyat 時間: 2010-11-10 22:12

回復 4# habitrailspace

我都想知邊度駛大?

作者: auyatyat 時間: 2010-11-10 22:16

本帖最後由 auyatyat 於 2010-11-10 22:24 編輯

回復 6# habitrailspace

無辦法,要打長途,又要有data plan...
其實有部份係我老豆,所以應該係2個人o既電話費+屋企電話+長途+data plan $160

其實公司cover 我cell phone,架車行每公里比$0.45
所以入油同cell phone我唔駛理

作者: ACooperFan 時間: 2010-11-10 22:23

you must drive a nice car....i spend <$100/month on gas....

作者: auyatyat 時間: 2010-11-10 22:26

回復 10# ACooperFan

我corolla 咋,但係我行好多丫o麻,平均3-4日就要入full tank
所以一個月入3-400蚊
上個星期出去做o野,5日行o左1000km,都無o左我兩三個tanks...

作者: habitrailspace 時間: 2010-11-10 22:32

if you get a mortgage, that means your expense 要加多$1,000

作者: auyatyat 時間: 2010-11-10 22:42

回復 12# habitrailspace

我諗住買o黎收租...收租夠供就ok
如果無人租o既話$1000 我都頂到

作者: Guy 時間: 2010-11-11 00:38

you just spend too much
快樂牛郎發表於 2010-11-10 21:06

yes.....

my cell and land line together sin $50

作者: auyatyat 時間: 2010-11-11 00:43

回復 14# Guy

我個cell phone 係business plan,仲要比埋我老豆果個月費,屋企land line + fax
仲有個城市電訊IP 電話打返香港...

如果我轉自己做低一個plan,唔夠分鐘o既話電話費仲勁過business plan

作者: Guy 時間: 2010-11-11 00:46

ooo.. you are paying two person's expense

you can always use less on your cell phones

作者: auyatyat 時間: 2010-11-11 00:51

回復 16# Guy

係呀...老豆退o左休,咁我就要幫o下手...其實佢有錢,但係過時過節出街食飯或者比少少錢佢過節,我又又走唔甩

但係果個三口之家都係用$1700
好勁

我都唔覺得我養我老豆,因為果$700 要o黎交管理費,水電煤地稅
如果我唔住屋企,我$700 都要拎出去交租啦...

作者: masterbear 時間: 2010-11-11 00:55

your neighbour earning min pay doesn't mean they don't have extra lump sum on top!! Lots of people also earning min but working in restaurant so their tips are their net earning on top without tax!! That's important

作者: auyatyat 時間: 2010-11-11 00:59

回復 18# masterbear

果個男o既好似做o下d 簡單維修,個女o既係做包裝
不過佢o地好勁,儲o左6萬蚊就即刻買間22萬o既屋(當然係2002 平果陣)
跟住靠樓下收租o黎供樓
之後差唔多供甩間屋o既時候40幾萬賣o左佢
又換o左間大d...

我好尊敬佢o地
2個人搵錢,6個人駛
都仲搞得掂,好過好多人做幾個月又攞EI

作者: 匿名 時間: 2010-11-11 01:38

回復 habitrailspace

無辦法,要打長途,又要有data plan...
其實有部份係我老豆,所以應該係2個人o既電話 ...
auyatyat 發表於 2010-11-10 22:16

點解頌要用錢打長途架﹖用 SKYPE 咪省回那 $160 囉。。。

作者: Catpiano 時間: 2010-11-11 09:06

$300/month on gas is reasonable la.. ~ $3k and 25,000km/ yr is average for Canadian ..

But I guess you should add the "running cost" on your car as expense, no matter lease payment or depreciation or servicing cost.

$300 a month to eat/drink .. that is good! You must cook a lots yourself .. good job! ^_^ Probably that $700 you pay to your parents, include eating home!

As other LYK said, once you have your own house, your expense will jump up a lots!! Mortgage/untility/Air Cond/heat (opps .. you guys don't really need to pay heat wor) will cost you $3-4k/month extra......
However, by the time being, your husband will share the expense ..

Once you have kids ... then your expense will run to the roof!!

作者: auyatyat 時間: 2010-11-11 10:18

回復 20# 匿名

Cannot use Skype for business calls, or call city halls...
Not avoidable
my cell phone bill is $80 (includes long distance calls), my dad is $30, $10 for internet phone, $30 for home phone + tax, almost $160
I know it's a bit high for regular family...

作者: yuusaku 時間: 2010-11-11 10:20

if you are interested in lowering the internet bill, try giving them a call.
i'm paying $20/month for internet, it was $35+ before I call them.

作者: auyatyat 時間: 2010-11-11 10:37

本帖最後由 auyatyat 於 2010-11-11 10:41 編輯

回復 21# Catpiano

I don't have any financing for my car, so I don't have any monthly payment.
You are right, if I look at the tax stuff for last year, my accountant wrote off $8000 for my auto expenses (including depreciation, gas, repairs...)
so, it's almost $700 for the car including gas, insurance, parking, and repairs

$700 for my dad to pay for property tax and utilities, sometimes he buys some fruits or he cook, mum does not live here mostly, she stays HK

$300 for food is $10 per day, breakfast = oat, bread, cereal, etc, lunch = usually salad, fruit, sandwiches or pasta if I pack lunch, if I don't say at office, then something less than $10 for lunch, dinner = cook at home, or food court, Pho, something under $10 again

almost $3000/month expenses already (adding those auto expenses!) + mortgage $2000 (just about $300,000 loans + property tax + maintenance) + $1000 kids (?)
then I will have some "left over" monthly, but it will take very long time for rental house downpayment....

that's why I don't want to get married or think about kids at all
I rather finish all my designation classes, have better income and stable life

作者: Catpiano 時間: 2010-11-11 13:52

Yeah .. even your house is paid off, still $700/month on tax, utility, etc .... sigh ..

作者: fibbi 時間: 2010-11-11 13:58

回復 24# auyatyat

But if you get married... 2 incomes...easier to support house expense...or mortgage.

作者: Catpiano 時間: 2010-11-11 14:31

But if you get married... 2 incomes...easier to support house expense...or mor ...
fibbi 發表於 2010-11-11 13:58

Big time! No chance I can afford mortgage and expense without my wife!!!

作者: somewhereintime 時間: 2010-11-11 14:32

回復 26# fibbi

Double income no kid, the way to go

作者: Catpiano 時間: 2010-11-11 15:13

回復 fibbi

Double income no kid, the way to go
somewhereintime 發表於 2010-11-11 14:32

I thought about that too .. but .. nothing is better then having a kid! (kids)

作者: FiChai 時間: 2010-11-11 16:43

I know you want to be kind to your family (dad) and want to show some care. But honestly if they're not really depending on you, maybe you can save your $700. Tell your family that you just want to save up more money in a reasonably shorter term, so as to plan for your own wedding or future. :b

作者: habitrailspace 時間: 2010-11-11 17:22

家家有本難念的LIST!

作者: somewhereintime 時間: 2010-11-11 17:48

I do not have a mortgage, yet the monthly expense is high,
car expenses, Utilities, education for children, petty cash forparent.............

作者: auyatyat 時間: 2010-11-11 18:05

回復 30# FiChai

$700 is affordable, if I have to move out, $700 can't pay for a 1 bedroom rental apartment..

作者: somewhereintime 時間: 2010-11-11 18:13

回復 33# auyatyat

And no room service too

作者: auyatyat 時間: 2010-11-11 18:13

回復 30# FiChai

睇過一個香港電視節目,講d 人點儲錢買屋同結婚
有d 就好辛苦儲o左廿十萬,結婚果陣豪哂,跟住話要還錢比銀行之類
永遠唔會儲到首期,跟住就話政府唔幫佢o地上車

我覺得,大把人比佢o地有需要,例如真係訓街或者住籠屋果d
要幫o既話未輪到佢o地

有d 朋友結婚,只係請親戚一齊食餐飯,低調搞,其實唔洗用好多錢
但係節目果2位,影o左唔知幾多攝結婚相...
唔係黑心話佢o地,不過自己有幾大個頭就戴幾大頂帽會好d...

作者: 快樂牛郎 時間: 2010-11-11 18:14

回復 FiChai

$700 is affordable, if I have to move out, $700 can't pay for a 1 bedroom rental apar ...
auyatyat 發表於 2010/11/11 18:05

exactly
just treat $700 as rent

I guess your expenses are typical for someone in North America, but if you really want to save, you got a long way to go. If you can save 70% of your after-tax income, that's what I call savings.

作者: somewhereintime 時間: 2010-11-11 18:14

回復 33# auyatyat

And no room service too.Just remember my baby sisters when they lived with my parents
before they got married.

作者: auyatyat 時間: 2010-11-11 18:14

回復 29# Catpiano

其實唔係好鐘意細路仔o既話,又唔趕住結婚wor..haha

作者: auyatyat 時間: 2010-11-11 18:17

回復 36# 快樂牛郎

haha. assume that $700 is 10% of my income, other expenses almost $2000
the rest, still have to pay tax, before tax can't save 70% ($4900)

作者: somewhereintime 時間: 2010-11-11 18:17

回復 36# 快樂牛郎

save 70% of your after-tax income

Wow, that is real saving!

作者: 快樂牛郎 時間: 2010-11-11 18:21

to achieve 70%, you have two options

1) increase your top line - income to a level where you can save 70%
2) cut your expenses

the choice is yours

作者: somewhereintime 時間: 2010-11-11 18:22

回復 41# 快樂牛郎

You are genius

作者: auyatyat 時間: 2010-11-11 18:25

回復 36# 快樂牛郎

I consider myself quite typical, except that not everyone is paying same amount or percentage to parents...

But quite sad, if a typical person, say $14/hr (some stats said it's BC general workers' average) or about $2350/month. how much is the after tax income? $1800? after paying rent/mortgage, utilities, auto expenses (minimal gas saving old car, max ICBC discount, not too much maintenance), food, there is barely any saving...

作者: auyatyat 時間: 2010-11-11 18:26

回復 28# somewhereintime

yes, I like your idea..haha..

作者: somewhereintime 時間: 2010-11-11 18:32

回復 43# auyatyat

I dunno about you, for me it is quite impossible to save 70%
after tax income.
I make money, I spend, the faster I earn, the faster I spend.
even without rent or mortgage expense. And the kids U tuition
is getting more expensive as they plan to study in the US. after
grad.

作者: habitrailspace 時間: 2010-11-11 18:42

快樂牛郎 to me is an alien in vancouver

作者: auyatyat 時間: 2010-11-11 18:44

回復 41# 快樂牛郎

1 is easier than 2 for me..haha

作者: somewhereintime 時間: 2010-11-11 18:46

回復 47# auyatyat

Earning 200 K per annum?

作者: auyatyat 時間: 2010-11-11 18:46

回復 45# somewhereintime

woo..going to study in USA, that'll be a lot of $

作者: somewhereintime 時間: 2010-11-11 18:54

回復 49# auyatyat

Yeah, my son want to go to Sanford Law School after he grad from UBC

作者: sheep 時間: 2010-11-11 19:00

回復 auyatyat

Yeah, my son want to go to Sanford Law School after he grad from UBC
somewhereintime 發表於 2010-11-11 18:54

Y USA?

作者: somewhereintime 時間: 2010-11-11 19:04

回復 51# sheep

His buddies are planning to go South

作者: auyatyat 時間: 2010-11-11 19:47

回復 50# somewhereintime

good luck for him

Best wishes

作者: 快樂牛郎 時間: 2010-11-11 20:05

回復 auyatyat

I dunno about you, for me it is quite impossible to save 70%
after tax income.
I m ...
somewhereintime 發表於 2010/11/11 18:32

there was a poll not too long ago, and many ppl said they save 70-100%

作者: 快樂牛郎 時間: 2010-11-11 20:11

回復 auyatyat

I dunno about you, for me it is quite impossible to save 70%
after tax income.
I m ...
somewhereintime 發表於 2010/11/11 18:32

and some ppl find it very easy
some find it impossible

just a matter of lifestyle

作者: somewhereintime 時間: 2010-11-11 20:50

回復 55# 快樂牛郎

My former boss made $6 M profit from a business sales
without paying tax(declared bankrupcy and divorced).
I know many people making lot of money, but seldom managed
to save 70%. You're genius, I meant it.

作者: FiChai 時間: 2010-11-11 22:52

One main reason of many typical cases for people still living with parents is because they don't need to pay for rent and thus they can save up more money faster. LOL

作者: auyatyat 時間: 2010-11-11 23:08

回復 57# FiChai

contributing to parents, to me, is my responsibility

作者: auyatyat 時間: 2010-11-11 23:09

回復 54# 快樂牛郎

do you really believe the poll results?

作者: 快樂牛郎 時間: 2010-11-11 23:18

回復快樂牛郎

do you really believe the poll results?
auyatyat 發表於 2010/11/11 23:09

of course it's bullshxt
but some ppl can easily save 70% or more

the principle part of your mortgage should not be counted as an expense though
you are just saving in a different way

作者: 快樂牛郎 時間: 2010-11-11 23:21

there's an interesting phenomenon.

fat people can't stop themselves from eating more so they get fatter
people who are underweight don't like eating and they just keep losing weight

some people who have money don't actually like to spend, like Buffett, because spending is not fun to him. Some others who don't make that much but tend to spend every cent to make themselves happy, so they remain poor.

作者: mcjohnjohn 時間: 2010-11-11 23:43

there's an interesting phenomenon.

fat people can't stop themselves from eating more so they get fa ...
快樂牛郎發表於 2010-11-12 15:21

既然牛郎兄用得Buffett 做example, 咁我唯有出垃圾婆~
我識個垃圾婆who don't make that much, and does not tend to spend every cent to make herself happy, but why does she remain poor?

作者: 快樂牛郎 時間: 2010-11-12 00:14

既然牛郎兄用得Buffett 做example, 咁我唯有出垃圾婆~
我識個垃圾婆who don't make that much, and does n ...
mcjohnjohn 發表於 2010/11/11 23:43

that goes back to 1)
coz she doesn't make enough
and that was her choice

作者: 匿名 時間: 2010-11-12 02:23

能省 10% 已經係一項成就。

作者: somewhereintime 時間: 2010-11-12 10:03

回復 64# 匿名

30-35%

作者: Catpiano 時間: 2010-11-12 10:50

Well .. I guess Rich people don't really .. save .. but making .. rolling ... money ..

So .. I am not rich, so I dont save nor roll .. lol

作者: somewhereintime 時間: 2010-11-12 11:09

回復 66# Catpiano

Well, if you can keep income rolling in,
you don't have to bother saving.
Don't forget your saving is still taxable(capital gain)

作者: FiChai 時間: 2010-11-12 11:14

回復 FiChai

contributing to parents, to me, is my responsibility
auyatyat 發表於 2010-11-11 23:08

Depends on which "stage" in your life you feel more comfortable. At the stage of you're still having lots of expenses for studying plus daily life, or finished all the studying and with more stable income later on? Since all your listed expenses are "must have" and cannot be cut down, then your saving will be limited at the current stage la. There is no perfection, either you have to sacrifice something to achieve something.

作者: somewhereintime 時間: 2010-11-12 11:28

回復 58# auyatyat

You are good girl. However, as a parent myself,
I would like to see my children doing well financially,
before I would accept their contribution/ obligation.
Treating me Dim Sum is always delightful. When I got my first job in the 60's, all I kept for myself
was the bus fare, had to supported my siblings to attend
high school. Sigh

作者: auyatyat 時間: 2010-11-12 11:51

回復 69# somewhereintime

wooo...I guess not many people can do it now
a lot of my friends are not giving anything to family nowadays

作者: habitrailspace 時間: 2010-11-12 11:54

回復 auyatyat

You are good girl. However, as a parent myself,
I would like to see my ch ...
somewhereintime 發表於 2010-11-12 11:28

agreed! very mature!

作者: Catpiano 時間: 2010-11-12 12:00

回復 somewhereintime

wooo...I guess not many people can do it now
a lot of my friends are not gi ...
auyatyat 發表於 2010-11-12 11:51

Yeah .. not me .. unlike Big C sister .. lol

My wife .. "sort" of pay back her parents ... as they refuse to take money from her, so my wife pays some of their bills ..

作者: auyatyat 時間: 2010-11-12 12:14

回復 72# Catpiano

direct subsidy scheme..haha

I consider myseld very lucky, as my family paid for my university school fee already
many friends had to pay student loan once they graduated...

作者: shutterbug 時間: 2010-11-12 12:49

Dual income and no kids is the way to go for saving. Now go find a rich spouse!

Or:

Share you internet with neighbours.
Get rid of the pet.
Jog on the street instead of going to the gym/tennis/etc
Don't buy DVD, watch online.
Cut all dinner out at night.
$200 for 藥 & 日用品 seems a bit steep. Is the medication really neccessary?

If you do all these, you could save another $300.

If you do all the above should save you

作者: 匿名 時間: 2010-11-12 13:08

Well .. I guess Rich people don't really .. save .. but making .. rolling ... money ..

So .. ...
Catpiano 發表於 2010-11-12 10:50

if you never save, you'll never get a chance to roll until you won 649, lol

作者: Catpiano 時間: 2010-11-12 16:07

Dual income and no kids is the way to go for saving. shutterbug 發表於 2010-11-12 12:49

OH SB .. that sounds so GAY!!

作者: habitrailspace 時間: 2010-11-12 16:23

Dual income and no kids is the way to go for saving. Now go find a rich spouse!

Or:

Share you int ...
shutterbug 發表於 2010-11-12 12:49

OH SB .. that sounds no LIFE!!

作者: 快樂牛郎 時間: 2010-11-12 16:38

Share you internet with neighbours.
Get rid of the pet.
Jog on the street instead of going to the gym/tennis/etc
Don't buy DVD, watch online.
Cut all dinner out at night.
shutterbug 發表於 2010/11/12 12:49

pretty bad ways to save

作者: 快樂牛郎 時間: 2010-11-12 16:42

typically you grow when you

1) face some hardship and successfully conquer it
2) live in a new environment and adapts successfully

by keeping your kids at home and paying for their tuition, i am not saying they will definitely turn out to be losers, but there's a higher chance that they will.

作者: somewhereintime 時間: 2010-11-12 16:49

I lived thru #1 & 2 decades ago,
I do not keep my kids at home, I just want them
to focus on their study and personal growth without
worrying tuition fee and other petty cash. The only
restriction at my house is drug free. If they chose tobe losers, what else can I do? or you tell me what can I do?

作者: 快樂牛郎 時間: 2010-11-12 16:56

I lived thru #1 & 2 decades ago,
I do not keep my kids at home, I just want them
to focus on their s ...
somewhereintime 發表於 2010/11/12 16:49

I wasn't specifically talking about you. But some people who lived at home all their lives really don't know what the outside world is like.

作者: somewhereintime 時間: 2010-11-12 16:57

回復 81# 快樂牛郎

Pierre Trudeau lived with his mom until 30+

作者: 快樂牛郎 時間: 2010-11-12 16:57

Stanford is a great place to be but the US education system is falling apart and more people are questioning the value and worth of college education

作者: auyatyat 時間: 2010-11-12 23:56

回復 77# habitrailspace

agree! haha
not good to steal neighbour's internet. if I do so and if they block it, I will not able to finish my work, loss will be much more than saving

no pet no dvd no outside dinner (once a while only) no life, just kidding

作者: auyatyat 時間: 2010-11-12 23:58

回復 78# 快樂牛郎

yes, I world rather work harder for more income..haha

作者: auyatyat 時間: 2010-11-13 00:01

其實我可唔可以close o左呢個topic?

作者: somewhereintime 時間: 2010-11-13 07:25

回復 86# auyatyat

Why? so many LYK cares about you

作者: sheep 時間: 2010-11-13 09:30

回復 auyatyat

Why? so many LYK cares about you
somewhereintime 發表於 2010-11-13 07:25

大富由天
小富由儉

作者: somewhereintime 時間: 2010-11-13 10:07

Some people born with silver spoon in their mouth

作者: 匿名 時間: 2010-11-13 11:16

回復 auyatyat

Why? so many LYK cares about you
somewhereintime 發表於 2010-11-13 07:25

係喇﹐點解啊﹖

作者: somewhereintime 時間: 2010-11-13 14:03

I think this topic is interesting

作者: fy789 時間: 2010-11-13 16:00

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作者: auyatyat 時間: 2010-11-13 16:25

回復 92# fy789

唔係一般office 工,一定要有車先出到去做o野
$2000幾蚊一年o既車保險同$300 一個月油錢其實公司cover 哂

無得唔keep 架車

作者: auyatyat 時間: 2010-11-13 16:26

回復 91# somewhereintime

其實一開始只係覺得人o地一家三口$1700 好節儉
我又唔洗做到好似佢咁,因為我o既情況同人o地唔同,車同埋好多utilities 係唔可以避免

作者: somewhereintime 時間: 2010-11-13 17:06

I wish I can go out without a car, but it is simply impossible.
I go to many different places everyday and usually I carry a
lot of bulky stuffs(more than the trunk of a mid size car can hold).
I pay for gas and parking too. The only above mention expenses I can save would be grocery,
and, believe it or not, liqueurs.

作者: fy789 時間: 2010-11-13 17:29

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作者: fy789 時間: 2010-11-13 17:38

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作者: somewhereintime 時間: 2010-11-13 17:43

What I can say is
I can manage finance for business, I used to do it for living.
But in personal life, my wife controls the household economy,
I only get allowance.

作者: fy789 時間: 2010-11-13 18:21

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作者: Catpiano 時間: 2010-11-13 18:55

$5k after tax.... Means 6 digit income.... Not that common la....

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