What to do...... When anything, it takes money.

Because "this era is not only diligent, but also money management." Even if the income is good, there is no left.

This is a collection technique that works for high-cost workers. 👇

1) Separate money "before use," not "left and then collected."

Most people miss this.

Real surviving formula

Revenue → Keep → Use → (if left is bonus)

Recommended

• Keep at least 10-20% of income

• Transfer to another account immediately on the date of entry.

• Do not tie to a simple transfer app (will not accidentally use)

2) Use the "digital money envelope" system.

No physical envelope required. Use multiple accounts instead.

Example money break:

• 🟦 Routine spending account (food, travel expenses)

• 🟩 Bill Account (Fire, Water, Phone, Relaxation)

• 🟨 savings account

• 🟥 emergency accounts

Each money is responsible for not getting mixed up → saving money much easier

3) "Self-imposed" savings, do not rely on pure discipline for the system to help.

Such as

• Automatic savings deducted monthly

• Savings lottery

• Monthly cut-off mutual funds

Because if the last "must press itself," often do not press 😅

4) Cut "silent leakage money," unknowingly missing money.

• App application fee

• Delivery value

• Buy small things often

How to handle:

Every seven days, look at the statement and ask yourself,

"Is this really necessary?"

Just cut some items, maybe 1,000 or 3,000 a month.

5) Keep "targeted" money, do not save floating.

Change from "Keep the money dormant" to "Keep it for..."

• 6 months of emergency money

• Travel

• Home

• Retired

The brain will be easier to starve if there is a destination image.

6) The golden rule of this era. If you do not increase your income, even if you save, you should do 2 things at once.

• Keep money

• Earn supplementary income (online, freelance work, sales, content, etc.)

# Trick financial management