Personally, I think we just have to find the 'right balance'. Not saying we can't spend anything other than the 'necessity' but if you want to save up for a house and you don't want to be 'homeless' when you get old or always rely on renting (I always think how can you pay rent if you become unemployed??), then the only choice is to be an owner....
Speaking from a late post 80, back in 10 yrs ago, I was saving up for a convertible car ( SLK ) and at that time, I had myself a target on how much I have to save....and after 2/3 yrs I have enough money for the car ( in UK, a 10 yrs old SLK doesn't cost that much...around HKD 80K) but at that time, really I didn't really need a car...so I didn't buy it...to be frankly, it was only for a target for me to save up money.
And off course, everything I spend had to budget and even spending a meal in KFC, I had to budget....and 10 yrs on....now I have enough deposit for a house...(and my small business has been doing OK so enough for me to pay for a deposit).
Now...personally I think, IF I didn't go through a 'cold turkey' saving up...I doubt I can even have a deposit when Im 30....and now off course I still have to pay for the mortgage etc...but money is not as tight, ie) at least I don't have to worry about spending little money liek eating KFC haha....and let say I can afford to things I want ( although compared to many of my friends, I hardly spend much money...well I rarely go to holidays but when Im in HK I do off course go to play haha)
P.s. off course properties in UK is much lower than HK.............
樓主: yk8686
在線雷達
發表於 2012-11-28 20:57:10
