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8 How to ❗️ financial habits💸

Money is not "how much income" but "how much we spend."

1. Write down every day for just one minute.

Don't insult it, because it makes us know what money is missing with the most.

2. When buying things, ask yourself first, "Want to see someone else?"

One question... saves thousands.

3. Apply the "3-day rule" to the most desirable items.

If you want it after three days, buy it. If you don't - you'll be saved. 💸

4. Do not use credit cards to fix boredom

It'll be boring with debt. 😅

5. Name a separate account to be powerful.

Like "free money" or "future money" - just a name to keep.

6. Upskill instead of upbag

New things make it look good for a moment, but new knowledge stays with us forever.

7. Do not follow every review you see.

Reviews are for you. Good things are for you to choose from - but "not all."

8. Remotivate yourself

Not to be as rich as others, but just have "mental freedom and money" in your own way.

📍 money, not because of

But because I want more "life choices," 💪🏻

# Post a day# Bingo, money work # Women don't stop being rich # Trick save money # Financial discipline

2025/10/17 Edited to

... Read moreนอกจากการจดรายจ่ายและตั้งชื่อบัญชีเงินเก็บเพื่อสร้างแรงจูงใจ การแบ่งเงินเป็นสัดส่วนอย่างเหมาะสมก็เป็นอีกขั้นตอนสำคัญที่ช่วยให้การบริหารเงินมีประสิทธิภาพมากขึ้น ผมเคยลองแบ่งเงินโดยใช้หลักการประมาณเช่น 50:30:20 คือ 50% สำหรับค่าใช้จ่ายจำเป็น 30% สำหรับของฟุ่มเฟือยหรือความสุขส่วนตัว และ 20% สำหรับการออมและลงทุน ซึ่งช่วยให้ผมไม่รู้สึกกดดันหรือเหนื่อยเกินไปกับการใช้จ่าย นอกจากนี้ถ้าอยากให้การแบ่งเงินมีความชัดเจนยิ่งขึ้น ลองทำบัญชีแยกหลายบัญชีอย่างในบทความ เช่น ตั้งชื่อบัญชีเก็บเงินว่า “เงินอิสระ” หรือ “เงินอนาคต” จะช่วยสร้างจิตสำนึกในการเก็บเงินมากขึ้น สำหรับใครที่มักเผลอใช้บัตรเครดิตเพราะเบื่อหรือตามรีวิว การตั้งกฎซื้อของเช่น ‘กฎ 3 วัน’ ช่วยกรองไอเท็มที่จำเป็นจริงจากของที่อยากได้แค่เพราะเห็นคนอื่นมี ทำให้ควบคุมเงินได้ดีขึ้น สุดท้ายลองคิดถึงแรงจูงใจด้านอิสระทางการเงินในแบบตัวเอง การแบ่งเงินเป็นสัดส่วนไม่ใช่แค่การจัดการเงิน แต่เพื่อสร้างความสงบใจและทางเลือกชีวิตมากขึ้น ซึ่งเป็นสิ่งที่ช่วยให้คุณมีความสุขกับเงินมากกว่าเดิม

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