p**********u
发帖数: 15479 | 1 【 以下文字转载自 Living 讨论区 】
发信人: jwalk (jwalk), 信区: Living
标 题: Re: 双职工税前18w买70w房子撑么？
发信站: BBS 未名空间站 (Fri Jul 13 13:19:07 2012, 美东)
撑!
Mortage (560K/30 yr/4%): $2673.53
Tax: $1200
Utility/cable/heating/yard/water: $500
home/car insurance: $250
transportation/car/gas: $800 - $1000 (1 cheapo car, 2 train monthly passes)
child daycare: $1500
Total fixed cost: $6900 - $7100/month
not sure what percentage of the 200K is bonus, but most likely the average
take home pay after deduction and taxes will be about $10K..
there is only $2800 free spending money left after fixed cost..
it would be very tight for a family of 3... |
p**********u
发帖数: 15479 | 2 发信人: jwalk (jwalk), 信区: Living
标 题: Re: 双职工税前18w买70w房子撑么？
发信站: BBS 未名空间站 (Fri Jul 13 14:48:46 2012, 美东)
based on 2 ppl commuting with a cheapo car.
train pass per person is $200 - $300. so that's $500.
Occasional cab fares from train station to office/home $50.
car payment/depreciation : $350 - $400
gas: $150
total is about $1000.
i think the number is on the conservative ballpark. |
p**********u
发帖数: 15479 | 3 发信人: jwalk (jwalk), 信区: Living
标 题: Re: 双职工税前18w买70w房子撑么？
发信站: BBS 未名空间站 (Sat Jul 14 07:51:55 2012, 美东)
i think it was good that you were very conservative with your spending and
your salaries have been growing since 2008.
but even with all that, you were able to save only 130K in 4 years... what
happens if instead of increasing salaries, one of you lost his/her job in
the past 4 years? Then your saving would become negative and you might have
lost your house.
when buying a house, my idea is to buy something that you could totally pay
off in 5 years with 2 income but still able to live and pay back the
mortgage with a single income (the lowest of the 2) with a 30 yr mortgage. |
p**********u
发帖数: 15479 | 4 发信人: jwalk (jwalk), 信区: Living
标 题: Re: 双职工税前18w买70w房子撑么？
发信站: BBS 未名空间站 (Fri Jul 13 14:54:46 2012, 美东)
you got to factor in the car's depreciation cost.. the car would not run
forever. it would need repair and eventually a replacement. These expenses
should be factored in.. $350 - $400 a month is a conservative estimate for
an affordable car in the $20-$30k range... |
m*r
发帖数: 37612 | 5 每月有2800的自由支配钱，已经很多了
多少人家拿到手都不到2800，更不用说固定开销呢
吊死男只能掩面泪奔了
【在 p**********u 的大作中提到】
: 【 以下文字转载自 Living 讨论区 】
: 发信人: jwalk (jwalk), 信区: Living
: 标 题: Re: 双职工税前18w买70w房子撑么？
: 发信站: BBS 未名空间站 (Fri Jul 13 13:19:07 2012, 美东)
: 撑!
: Mortage (560K/30 yr/4%): $2673.53
: Tax: $1200
: Utility/cable/heating/yard/water: $500
: home/car insurance: $250
: transportation/car/gas: $800 - $1000 (1 cheapo car, 2 train monthly passes)
|
p**********u
发帖数: 15479 | 6 JWALK的策略我估计是：不停的买房子，卖房子。一步一个台阶。问题是他可能从来不
用AGENT。 |
p**********u
发帖数: 15479 | |
