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Sunday, September 20, 2009 · 2 评论


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低薪族的迷惑

· 0 评论

“理財師,請問大約2500令吉的薪水,該怎麼理財?”

理財師不加思索,脫口而出:“小姐,2500令吉,你還有財可理嗎?”

換言之,像應該感到慶幸,多虧家中兩有“囤糧”,雖不是家財萬貫,至少不至於落入“理債”地步。

說到2500令吉薪水,餓是餓不死,但若談到進修、買產業……,一切可免談。

有人也許會說身在大馬,消費水平比較低,這樣的薪水幅度尚算合理。說實在,我也曾這麼想,但當我發現在英國上網每月低至10鎊、電話費不超過20鎊(週末還免費撥打)、到中餐館享用中餐只要10來鎊時,我開始對大馬所謂的“合理”薪資感到質疑,因為以英國平均薪資約2000英鎊來,要應付上述費用絕對綽綽有餘。

當然,我不能這樣以偏概全,但只要對比鄰國新加坡,你也會發現,大馬交通費、用餐費都比別人高出一節。

“擁有多元種族是大馬優勢,這優勢有望促使大馬轉型為高收入國家。”首相拿督斯里納吉在上任不久後,即開始體恤到民眾對薪資原地踏步的無奈,所以發表言論以示“安慰”。

但問題是,邁入高收入國,是不是又要另外的10年?那時候,隔壁賣水果的阿嫂早已人老珠黃。

其實,與其終日放眼長遠目標,政府倒不如現在就採取實際行動,解決民生當前的消費問題,比如為何大馬人都在用貴網絡?(是不是政府保護主義惹的禍?)、民眾為何非得承擔高交通費?(因為公共交通無可救藥?大道變“大盜”?2令吉零5仙的油價?有沒有搞錯?大馬是石油出口國呢!)

2500令吉的月薪,在理財師眼中,顯然是低薪,我很期待進入高收入國的一天,然而,我更期待消費水平走低的一天。

理財師最後一句是:“有時候,個人能做的有限,或者想想,換工作會不會更好?”


文稿来自:星洲财经版

 

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