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We should have no more than a lot of debt.

The general principle is that the total monthly debt burden should not exceed 30-40% of the monthly income.

• Less than 30% 👉 safe and comfortable money management

• 30-40% 👉 is acceptable. Expenditure must be controlled.

• Over 40% 👉 risk, money tension, easy stress

Sample

Income 20,000 Baht

👉 Total debt annuities should not exceed 6,000-8,000 baht / month.

Remember, good debts must build the future. Bad debts must be reduced quickly.

Debt control = lighter financial life ✨

# Talk about money # Year-end finance # Open budget # Recap 2025 # Trending

2025/12/25 Edited to

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