Formula 30, 50, 20.

Friday, everyone! Today, Professor Ni invited me to talk about "finance." 💰

In an age when everything seems rushed and full of consumption, exploring wallets and planning for "enough" is the beginning of lasting happiness.

Ebt Studio has always believed that doing good things starts with us, taking good care of the finances is doing good to ourselves and one's family. Anyone who is starting to do it, try the formula 50-30-20 I gave you.

1. Main "Pay Yourself First" (Pay Yourself First)

This is the key. Most people usually use it before saving, but the main sustainable thing is that when salary or income comes in, deduct the part that will be "saved" or "invested" immediately (at least 10-20%), and then the rest will be allocated to spend. This method will best improve financial immunity.

2. Appropriation formula 50-30-20

To give a clear picture of the proportion of money, Professor Ni might introduce a universal formula that is easy to deploy:

50% for Necessity (Needs): House Rent, Food, Water Fee, Liabilities payable

30% for Needs (Wants): Leisure, Hobbies, Life Rewards (This Section Cut Off If Emergency)

20% for Savings and Investments (Savings / Debt Repayment): Emergency Reserves and Future Wealth Creation

3. Creation of an "Emergency Fund"

At the heart of "enough to pay" is that when there is an unforeseen occurrence (such as sick or unemployed), we must not be in trouble. The principle is that there should be 3-6 times the monthly cost of liquid cash.

4. Conscious in the era "of it must have."

As you believe, "goodness has an attractive power in itself," conscious use of money is a form of self-interest.