fibbi

The rent is quite a lot...maybe try to live elsewhere with cheaper rent...
btw... with $1580 rent...why not try to purchase a property ... (I know it would be further away from city core..)

fibbi

當然，買屋要俾down payment，但係俾得咁貴租，真係零願儲啲＄嚟做首期。。。

fibbi

Actually, bakery 有$28K...俾我想像中多。。。

fibbi

回復 16# auyatyat


    I was referring to the other person with $1580 rent that seems a lot for his income...not referring to your list price...

fibbi

回復 14# auyatyat


    I also know a person paying $1800 to rent a two bedroom condo in downtown for many years... eventually he bought the house after he had kid...

fibbi

回復 14# auyatyat


    Well..unless they work in downtown so they save $ (and time) for commute to and from work...

fibbi

加拿大，艱難大，咩收入都天一半地一半，就算好似OP講個couple咁family income ＄4000 net都係猛猛緊，儲蓄都好難。買車？分分鐘credit card／line囉。

fibbi

回復 51# BiscottiGelato


    Same income, but tax here is much higher. So net take home income is less.

The social program is much better here. So in a way less people here live like shxx. In my opinion, with the same amount income, the "purchasing power" is stronger in HK. In OP's example, a net family monthly income of $4000 (after tax), can barely have saving or buy a car without borrowing from bank. So for same amount in HK (about $32K monthly), after say same amount of rent, I'm sure the family is able to have some saving. Of course, in HK you don't have to have a car; here due the large geographical size, a car is not really considered as a luxury item. (e.g. in HK, with $32K family income for 2 people, after $15K rent, still about 10K left after tax/MPF, then $4K transportation, $2K food, still 4K left for others). Btw, food is really cheaper in HK.

但係講到好窮好窮嘅家庭，香港嘅生活質數當然差很多，香港都是最近才有最低工資。而且香港寸金尺土，居住環境真係相差很遠。

fibbi

回復 54# BiscottiGelato


    I"m not talking about how "easy" to make certain $$ in HK vs here. I don't think it's "easy" to make 40K annually here either. I have friends making less than 40K here, and I also have friends making <$20K HK monthly. I am just trying to say with the same amount of take home pay, after basic expenses(衣食住行, assuming spending same $ in housing), it's easier to save (because of less tax) in HK.
Basic expense like 衣食住行, clothing is certainly cheaper in HK; food (both dine out and grocery) too. Housing market is crazy both here and HK, transportation in HK is cheaper if we compare to owning a car here.

Another thing is that, even making 40K annually here, after tax, how much we got? It's probably about same $ as earning 19K monthly in HK la.

If you are supporting a family (even family of 2), you know how much expense we need to pay, just basic expense (nothing fancy)I'm talking about here...and how $ goes so fast...

fibbi

居住環境點講都係呢邊好啦。But as I said, housing aside, the other 3 basic expenses, are still much cheaper in HK. So at the end, the result is "you can save more $". But here, can't save much with a similar lifestyle.