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Private Finance "University Edition"💸💲

"Student Finance, University Edition," 💸🎓

Have you ever been to university once?

We feel like we've been thrown into a new world. 🌍

Not just studying, but also "financially."

So far, we've ended up in full working age, and we still have to manage the tens of thousands of money so we peel it to the end of the month.

At that time, I thought that I lived in a dormitory a few thousand a month.

40-50 per dish of rice is also comfortable.

But when it's true... Oh, the money melts faster than I thought, haha. 🥲

💸 💲 ♡

Travel expenses 🚎

Rice + nectar 40 🧋 per glass

Document value 📑

Travel with friends 🎉

All in all, each month, the money is fleeting unknowingly.

Until one day we started trying simple money breaks.

💵 50% = required expenses (tower, rice, travel)

💵 30% = Use it with your own little happiness (milk tea, leather, eat with friends).

💵 20% = Savings + Emergency Reserve

Try Formula 6 Jars (6 Silver Jar)

👉🏻 55% cost required

👉🏻 10% long-term savings

👉🏻 10% Self-Investment (Book, Course)

👉🏻 10% happiness / wish

👉🏻 10% invested per extension (project making, work equipment purchase)

👉🏻 5% Giving / Merit Making

In fact, we felt that extra income + money sharing was a system.

At first I wasn't used to it. It seemed like something cut off happiness.

But when I actually did, "It saved a lot of lives."

When there's an emergency, like a broken phone or a quick trip.

We will not have trouble asking for more money from home.

Being a money management student doesn't mean we have to cut off every happiness.

But it's about "knowing your own limits."

Live without stress and without negative future. ✨

❗️ college life teaches us a lot.

But "money management" is a subject that, if you're good at it right now,

The future will be much lighter and more comfortable. ✨

Follow more:)@Bam.pan

# Big money story# This term is fine # How much does a university child spend? # Financial management in school age # Trick save money

2025/9/9 Edited to

... Read moreการบริหารการเงินส่วนตัวในวัยมหาวิทยาลัยถือเป็นทักษะสำคัญที่จะช่วยให้ชีวิตนักศึกษามีความมั่นคง และพร้อมสำหรับอนาคตที่ดีกว่า หลักการง่าย ๆ ที่ช่วยให้การใช้เงินในแต่ละเดือนไม่ลอยไปกับค่าใช้จ่ายฟุ่มเฟือย คือการเข้าใจและรู้จักแยกประเภทค่าใช้จ่ายอย่างชัดเจน เช่น การใช้สูตรแบ่งเงิน 6 โถที่ช่วยให้เราจัดสรรงบประมาณอย่างเหมาะสม ระหว่างค่าใช้จ่ายจำเป็น การลงทุนในตัวเอง และการเก็บออมฉุกเฉิน นอกจากนั้นนักศึกษายังควรพยายามมีรายได้เสริมเพื่อเพิ่มฐานะทางการเงินและลดความกดดันจากค่าใช้จ่ายหลัก การตั้งเป้าหมายทางการเงิน เช่น การจ่ายหนี้ การซื้อของที่จำเป็น หรือการวางแผนจ่ายค่าหนังสือและอุปกรณ์การเรียนเป็นสิ่งที่ช่วยสร้างวินัยในการใช้เงินมากขึ้น อีกส่วนที่ไม่ควรมองข้าม คือการสร้างนิสัยอยู่อย่างรู้ลิมิต ไม่ว่าเรื่องกิน เที่ยว หรือช้อปปิ้ง เพื่อให้สามารถบริหารเงินได้โดยไม่เครียดและไม่ต้องกู้หรือขอความช่วยเหลือจากครอบครัวในเรื่องเงินบ่อย ๆ นอกจากนี้ยังช่วยลดความเสี่ยงที่จะเกิดปัญหาการเงินในระยะยาว เช่น หนี้สินหรือความลำบากด้านการเงินหลังจบงาน ทั้งนี้ การเรียนรู้เรื่องการเงินตั้งแต่ในรั้วมหาวิทยาลัยยังช่วยให้นักศึกษายิ่งเตรียมพร้อมสำหรับโลกการทำงานจริง และสามารถวางแผนชีวิตทางการเงินเพื่อความมั่นคงในอนาคตได้อย่างมีประสิทธิภาพ ถือเป็นวิชาที่มีประโยชน์และสำคัญไม่แพ้กับวิชาเรียนทั่วไปในมหาวิทยาลัยเลยทีเดียว

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