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好媽媽勳章

1^#

發表於 10-1-3 03:35 |只看該作者 |倒序瀏覽 |打印

del

[ 本帖最後由 sumlam 於 10-9-13 07:12 編輯 ]

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2024年龍年勳章好媽媽勳章畀面勳章

2^#

發表於 10-1-3 12:01 |只看該作者

冇話夠唔夠...唔夠時你地自然會慳d架啦...
不過你重要計..生左baby..你都要同baby買保險...儲定錢日後供書教學...
重有丫..水電煤...有baby係度又會用多d架...
天氣冬又要暖氣..熱又要冷氣...衫仔又要成日洗

頭幾年baby其實唔係洗好多錢...除非你下下要買名牌衫仔...
如果普通衫仔..一日幾十一件...尿片一個月4包左右...餵人奶...咁bay一個月..都係洗1000左右...

咁即係你頭2-3年..每個月...係可以幫baby儲到3000左右...咁依度應該cover到日後baby上幼稚園既學費(當然係加埋你正常每月5000baby開支度)...
小學讀番資助學校...咁就free學費... 5000用黎同佢上興趣班...同儲起少少...應該都ok既

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積分: 35137

好媽媽勳章

3^#

發表於 10-1-3 14:07 |只看該作者

del

[ 本帖最後由 sumlam 於 10-9-13 07:12 編輯 ]

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積分: 119719

2024年龍年勳章好媽媽勳章畀面勳章

4^#

發表於 10-1-3 14:27 |只看該作者

原帖由 sumlam 於 10-1-3 14:07 發表

其實我想問下, 讀幼兒班同幼稚園開支係咪好大架? 聽你講, 除左儲起個$3000之後, 仲要計埋每月$5000 for bb, 咁咪即係差不多要$8000一個月囉? 好貴呢!!!

唉, 其實我真係好擔心唔夠洗, 因為我老公係好大洗的, 佢以 ...

真係要睇你搵乜幼稚園...普通幼稚園.都係1-3千一個月就ok...但係..我識得人..幼稚園..一個月6,7千...加埋雜費,搭校車..8000都係緊緊夠...
咁如果係普通既..我話要計埋每月5000forbb..係因為好多小朋友幼稚園開始就返興趣班架啦..果度都要錢嘛...重有bb日常生活...買衫丫,奶粉(我仔7歲重飲緊一日一杯奶)...玩具等...重有丫...好多家長好鍾意買d乜乜教材..果d下下都幾千架

我見你話要比好既baby...就同你計盡d...預鬆d..第日你冇咁辛苦囉..

好似我老公早排都有問我一個月大約開支(因為減人工

)我都一定預鬆d條數...即係100 ok既我預夠150...每樣野預多d..有淨儲番起..好過唔夠唔知係邊嘔出黎

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好媽媽勳章

5^#

發表於 10-1-3 14:44 |只看該作者

原帖由月希於 10-1-3 14:27 發表

真係要睇你搵乜幼稚園...普通幼稚園.都係1-3千一個月就ok...但係..我識得人..幼稚園..一個月6,7千...加埋雜費,搭校車..8000都係緊緊夠...
咁如果係普通既..我話要計埋每月5000forbb..係因為好多小朋友幼稚園開始就 ...

唔該哂月希媽媽,

其實我都好想計劃到, 可以將最好既比bb, 先生bb出來, 即係包括讀書方面! 我都想同佢揾好d既學校!!
到現在我都唔知生唔生好, 因為計極條數都好"猛猛"緊, 其實我好唔鍾意財政狀況預到咁緊, 真係有起咩事上黎都唔知點算了!!!

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積分: 119719

2024年龍年勳章好媽媽勳章畀面勳章

6^#

發表於 10-1-3 15:34 |只看該作者

原帖由 sumlam 於 10-1-3 14:44 發表

唔該哂月希媽媽,

其實我都好想計劃到, 可以將最好既比bb, 先生bb出來, 即係包括讀書方面! 我都想同佢揾好d既學校!!
到現在我都唔知生唔生好, 因為計極條數都好"猛猛"緊, 其實我好唔鍾意財政狀況預到咁緊, 真係有 ...

我就咁諗..人人都想有多個錢係身..冇人鍾意財政狀況岩岩好的...
但係baby依家野....唔係你話要...就即時有..我唔知你乜年紀..但係..年紀越大越難生...你都要諗埋依點囉

25000一個月..比好多家庭好架啦.我見有d人..萬幾一個月都可以養活一家4口...唔同既..可能係大人既物質享受....對baby最好既..永遠都係有媽媽係身邊take care佢...

如果真係想要baby..自己既物質生活就要少d囉...有得,就有失..值唔值.睇你自己點諗

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penpenvivi

子爵府

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畀面勳章

7^#

發表於 10-1-4 01:39 |只看該作者

如果你想做全職mama,你應該計埋自己洗用,再唔係做多1.2年先要.儲夠3,4年洗用先.

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canies

翡翠宮

積分: 97061

8^#

發表於 10-1-4 01:50 |只看該作者

my case is very close to urs, my hubby earn 26k

$5000- 供樓

$5000- 老公一個月洗費

$5000- bb
3 yrs old now will entry k1 at sep, school fee 2k, the rest can be interest class or saving ,depends la, but most likely we would pick a free primary school

$6000- 雜費+credit card
(dine out and marketing)

$5000 - cash expense for me and bb daily,mainly on eat outside, we rarely cook now, hubby have free meal in office or he buy himself.

we afford to travel short e.g.mainland,macau with this budget few times a year.for overseas trip,we relay on hubby bonus which mean not certain for every year.

but apart from the nesscary, myself almost as zero spending, only a few piece cheap cloths each season.

I can have few thousand saving sometimes because baby actually use not much now-havn't start any interest class.

would try to find pt job after my boy entry school.

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發表於 10-1-4 04:03 |只看該作者

del

[ 本帖最後由 sumlam 於 10-9-13 07:13 編輯 ]

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積分: 35137

好媽媽勳章

10^#

發表於 10-1-4 04:09 |只看該作者

原帖由 penpenvivi 於 10-1-4 01:39 發表
如果你想做全職mama,你應該計埋自己洗用,再唔係做多1.2年先要.儲夠3,4年洗用先.

我冇計自己洗費, 因為我平時都好小出街架! 所以我諗若果第時有bb後, 如果每兩個星期同佢出一次街, 就係用埋餘下個$1500囉

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發表於 10-1-4 04:12 |只看該作者

原帖由月希於 10-1-3 15:34 發表

我就咁諗..人人都想有多個錢係身..冇人鍾意財政狀況岩岩好的...
但係baby依家野....唔係你話要...就即時有..我唔知你乜年紀..但係..年紀越大越難生...你都要諗埋依點囉

25000一個月..比好多家庭好架啦.我見有d人. ...

吾... 真係好難決擇呢!!! 我平時都唔係點洗錢的, 衫褲鞋物都係t-shirt 牛仔褲~ 但我唯獨是, 如果有左bb, 就要放棄去旅行, 去旅行係我唯一既娛樂, 我覺得如果有左bb而冇埋呢個娛樂, 其實我覺得幾慘架, 所以宜家仲考慮緊囉!

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mamabeanie

別墅

積分: 944

12^#

發表於 10-1-4 09:07 |只看該作者

原帖由 sumlam 於 10-1-4 04:12 發表

吾... 真係好難決擇呢!!! 我平時都唔係點洗錢的, 衫褲鞋物都係t-shirt 牛仔褲~ 但我唯獨是, 如果有左bb, 就要放棄去旅行, 去旅行係我唯一既娛樂, 我覺得如果有左bb而冇埋呢個娛樂, 其實我覺得幾慘架, 所以宜家仲考 ...

我仲有幾日就生得，呢排都有同老公discuss我應否做full time mom. 我自有咗就冇做嘢，所以呢大半年都係靠老公份人工，so far we manage to save about 40% of his income, 算是不錯。但又時時諗到bb出世後家庭開支只會不停增加，最後都決定請咗個姐姐而我by summer就會番返工。my suggestion to you us entirely based on factorsthat my hubby and I have considered:
1. Single income stability-how stable is your hubby's job (salary cut and layoffs are common in his profession?). In the event of job loss, how quickly will he be able to land another one with similar pay?
2. income growth potential-with a baby monthly expenses will only increase in the future, will his income grow at a rate faster than inflation?
3. backup for emergency-天災人禍is so unpredictable but does happen in life, if something does happy to either one of you, will you have enough money left to help the other one and the young child through the difficult time. The same applied to both of your families, 如父母有事需要你們金錢上的help, 能做到嗎？
4. Reserve - you should always have at least six months of living money set aside as reserve, in my case I have set the goal at 12 months ( I.e. If monthly total spending is 20k then you should always have 120k cash flow available, but for myself even with 12 months reserve I still don't feel secured..我是一個對金錢好冇安全感的人...）

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