港人列每月洗費大呻一直都儲唔到錢!網友指出呢3項支出累事:你真係好為老年打算

文: 黃樂恩
2024.06.16

早前LIHKG討論區上,有網民發文苦呻自己「一直都儲唔到錢」,並在文中列出每月各項基本開支,計算後保守估計每月至少要$60k,單單是每月餐飲費已破萬元,令他苦不堪言。帖文在網上引起熱議,引來大批網民細細分析,並指出是樓主「儲唔到錢」皆因這3項開支?

該名網民從事金融行業,雖然他並未在文中透露每月收入,但他坦言自己每年都有加人工,現時每月日常支出至少要$60k。但由於通脹、加息同樣是年年增加,加上日常支出並未計算交稅、養車、生兒育女、雜費等,他苦呻自己一直都儲不到錢,並慨嘆道「係香港做嘢點儲錢?」

▼原PO每月開支一覽▼

樓主補充道,指當年入職時選擇了公積金(即 ORSO)的退休儲蓄計劃,雖然每月供款金額較強積金(即 MPF)多,每月需要供款$5000,但僱主同時間亦要每月供款$10000。保險方面,他承認自己當初年少無知,「買左6萬年金扣稅」。至於餐飲費,他提到自己每日早餐連咖啡開支約$50,午餐大概為$100,加上他下班時間較晚,未能買餸回家煮飯,而且還要幫女友支付晚餐費用,才會令每月餐飲費如此驚人。

▼原帖文▼

相關帖文引起網民熱論,有人認為供樓已經是儲蓄的一個方式,但亦有網民指出樓主儲錢失敗是因為公積金、保險以及飲食開支過大,「強積金加保險12k,你真係好為老年打算」、「食飯邊使呀....餐餐出去食?」、「飲食平均500真係好多」。

另有網民指出,現時港男公積金每月供款5%,月供$5000,換言之每月收入是10萬,即使每月日常支出6萬,照理來說應該「有錢剩」。而港男亦有對此回覆,他表示「5k係約數,我唔係想講月入幾多,係想講expense好多,同埋60k仲未計交稅同一堆雜費」,同時又承認自己確實「大洗」,特別是申請信用卡後,「有時真係唔知d錢去咗邊,俾咁多位X完後,我都發覺有d位可以使少d 」。

來源:LIHKG討論區

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