Spell. Keep the money. 2026.
Silver Healing Spell 2026
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1. Do not buy new things instead of the original things, everything that can be used, such as phones, headphones, shoes, because the new thing is a change to yourself just outside, which means no need.
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2. Apply the 500 baht rule to every purchase decision. The rule is that if you want something that costs more than 500 baht, wait a week and then you want to buy it as much as you first saw.
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3. Allocate money sequentially. Reserve 10%. Invest 30%. Spend 50%. Be self-indulgent. 10%. Do not force it to be used up. (The ratio is not the same for each person. By age range, but by self-indulgence should not exceed 10%. The same)
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4. Make a deposit account that is difficult to withdraw, not to app the bank or make conditions for withdrawal no more than 2 times per year (in order to move money to a better-paying investment)
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5. Start a habit. Build more than buy, such as coffee, eat by yourself, make a lunchbox, eat by yourself 2-3 days a week.
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6. Reduce delivery order, change to walk out to eat easily near home
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7. Define a budget for the price of food or drink outside, especially when going alone, such as coffee not more than 80 per meal, not more than 120 baht per meal.
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8. Once we start investing, we see a return. We will be encouraged to invest more and reduce our desire to spend money.
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9. Look at a little social media and all the review page blogs. We don't need to know the whole world. It doesn't make our lives better because more than 90% of our content costs us money.
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10. Turn off all credit cards, simple installments, and stay with cash.
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11. Start dealing with debt with short debt, long debt, high blossom, little blossom, spread and manage, save a lot of interest.
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12. Do not buy things whose value decreases with time, such as clothes, gadgets.
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13. It's ok. If we have to be away from friends (most of them are called acquaintances, it's better to be suitable). If their lifestyle is something we can't reach and will make us financially difficult if we try to force it, another angle is that if any friend will not be dating us because of our status, then do not embarrass him. Hurry and take the mother out of life from today.
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14. Learn to make more money by saving and saving. It may only save money, but in the end it will lose to inflation.
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15. Make Money Detox. Try to challenge yourself by spending as little money as possible each day. For a month, the habit of spending money will change permanently (very popular in Gen Z children).
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