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¡¾×¡·¿ÎÊÌâ¡¿ÄêÇáµÄÅóÓÑÃÇ£¬ ÄãÃÇÓöàÉÙ°ÍÏɵÄÊÕÈëÓÃÀ´×â·¿£¿
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¡¾×¡·¿ÎÊÌâ¡¿ÄêÇáµÄÅóÓÑÃÇ£¬ ÄãÃÇÓöàÉÙ°ÍÏɵÄÊÕÈëÓÃÀ´×â·¿£¿Use the 40 percent expense ratio guideline ¡¡ This is one of those financial rules of thumb, like saving 20 percent of your pay cheque. When you¡¯re picking between units, you can pay less attention to the price difference when it still falls within the realm of affordability.
For example, say you have a monthly income of $7,500. You would then budget a maximum of $3,000 a month for you to spend on rent. Between a unit that costs $2,600 a month, and a unit that costs $3,000 a month, you¡¯ll know you¡¯re ¡°safe¡± picking the more expensive unit. It still falls within the realm of affordability.
As to why 40 percent, that¡¯s because it still allows you save and have decent discretionary income. In the case of $7,500, you could still save $1,500 a month for emergencies, and have $3,000 a month to spend on scented candles, string quartet concerts, and other things that only expatriates buy.


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