Who's that? ❓ When the salary is less, the money is more.

Bump in the month but still remaining until the end of the month

1. Plan forward revenue-expenditure

• Before the salary leaves, make a monthly budget divided into categories such as house rent, food, travel expenses, entertainment, etc.

• Set a limit in each category and try no more than

Trick: Use cost-saving apps such as Money Lover, Pennies or Simple Excel.

2. Divide the money into sums

• Divide salary into 3-4 stone, e.g.

1. Menstrual living expenses (food, accommodation, travel expenses)

2. Savings / investments (at least 10% of income)

3. Personal spending money (entertainment, shopping)

4. Emergency money (if possible)

Trick: Transfer into a separate account for each lump, so as not to overuse.

3. Write down every baht, every cent

• Note every expense spent

• The recording will visualize where the money has gone and adjust the behavior.

4. Avoid unnecessary extravagant expenses

• Before shopping, ask yourself, "Is it really necessary?"

• Use the method to wait 24 hours before making a big or extravagant purchase decision.

5. Use the envelope break cash technique.

• For eating and shopping category money, use cash, share envelopes according to budget.

• When the envelope runs out = out of credit card protection

6. Create a "no debt" rule

• Try not to swipe the credit card beyond the set limit

• Avoid loans or installments if not required

7. Automatic savings

• Set the bank to transfer money to the savings account immediately after payroll.

• This method will prevent you from accidentally spending your savings.

8. Review and update every month

• At the end of the month, review where the money went.

• Optimize the next month's plan.

Tip added:

• If you want to be good at collecting money, set savings goals such as "Save 5,000 baht for next trip."

• Having clear goals will not be extravagant.

# Talk about money # Talk about money # Talk about money # Talk about money # Grown up, want to review