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The "Cash Stuffing" technique allocates money into a zip envelope.

"Where's all the money gone?" Even trying to write down revenue-expenses. ⁉️‼️

👉 introduce the technique of "dividing money into zip envelopes."

💓 because it's a way to see the results clearly and help build financial discipline. 🥰

📝 4 steps. Start the zip envelope system to the effect:

💸 1.List of expenditure and budget (Budgeting)

Before dividing the money, list all monthly expenses realistically and set a clear budget framework.

💸 2. Prepare the zipper envelope to clearly distinguish the category (Categorizing).

Use a clear zip envelope or money manager file to label each category, such as:

🛒 Food and supplies

🚗 Travel expenses

💡 Utilities (Water, Fire, Phone)

👗 Shopping expenses / reward yourself

💰 Savings / Emergency Reserve (deduct this envelope first!)

💸 3. Allocate cash into the envelope (Stuffing)

When income comes in, press cash and divide each envelope according to the budget.

💸 4. Maintain strict discipline (Discipline)

This is the most important thing! You only need to spend money from the envelope of the category. If the money in the "shopping" envelope is depleted, it means that you must "stop" the activity immediately and do not draw money from other envelopes.

✨ Why does this method work and help keep money? ✨

Tangible Limits: Catching cash and seeing the amount of money broken down with the naked eye will encourage psychology to be restrained and think better before paying than scanning pay through an application.

Financial Leak Plugs: Prevent overuse of future money or savings because every baht has been set aside

There is no shortage of reserves: by systematically separating each part of your money, you will be sure that you have a full bill payment and that you will definitely have monthly savings.

Building financial freedom starts with managing a small system in our own pocket. Let's apply the zip envelope technique and you will control the money without letting the money control us anymore. 💼✨

🗣️ friends, what kind of savings techniques do you use? Comments can share ideas! 👇

# Investment finance # Saving money # Salary man # Allocate money # CashStuffing# Lemon8HowTo # Self-improvement

2/20 Edited to

... Read moreนอกจากขั้นตอนการแบ่งเงินใส่ซองซิปที่แนะนำไว้ในบทความแล้ว ดิฉันเคยลองทำ Cash Stuffing ในชีวิตประจำวันพบว่า วิธีนี้ช่วยให้รู้สึกเป็นเจ้าของเงินอย่างแท้จริง เพราะเงินที่จับต้องได้ ทำให้เราเห็นภาพรวมของการใช้จ่ายแต่ละหมวดชัดเจน เช่น เงินในซอง Groceries หรือค่าอาหาร เมื่ออยู่ในรูปเงินสด จะทำให้ชะลอการซื้อของฟุ่มเฟือยที่ไม่จำเป็นลงมากกว่าการใช้บัตรเครดิตหรือเงินในแอป อีกข้อดีที่ได้จากวิธีนี้ คือช่วยให้ค้นพบรอยรั่วทางการเงินที่ไม่รู้ตัวได้ดีขึ้น เช่น สังเกตว่าเงินในซอง Fun หรือค่าช้อปปิ้งมักหมดก่อนกำหนด หมายความว่าเราอาจตั้งงบไม่พอดี หรือขาดความยับยั้งชั่งใจ ซึ่งทำให้เราปรับหมวดหมู่ซองและงบประมาณให้เหมาะสมมากขึ้น สำหรับการรักษาวินัยที่สำคัญนั้น ดิฉันแนะนำให้ตั้งกฎง่าย ๆ เช่น ห้ามยืมเงินจากซองอื่นเด็ดขาด และถ้าเงินหมดแล้วต้องหยุดใช้จ่ายในหมวดนั้นจนกว่าจะถึงงวดถัดไป วิธีนี้ช่วยบังคับใจให้ควบคุมค่าใช้จ่ายได้จริงๆ สุดท้ายสำหรับใครที่เริ่มไม่ชินกับการแบ่งเงินสด วิธีนี้ยังสามารถปรับใช้กับการจัดการผ่านแอปได้ โดยใช้หลักการแบ่งงบอย่างเคร่งครัดเหมือนกับการใส่ซองซิปและติดตามยอดเงินตามหมวดหมู่ ทำให้สามารถบริหารจัดการรายจ่ายได้อย่างเป็นระบบและมีวินัยทางการเงินที่แน่นแฟ้น ไม่ปล่อยให้เงินขาดมือหรือนำเงินเก็บมาใช้เกินตัวอีกต่อไป ลองเริ่มต้นจากการเตรียมซองที่จัดหมวดหมู่ชัดเจน เช่น เงินออม (Savinns), ค่าอาหารและของใช้ (Groceries), และหมวดสนุกสนาน (Fun) เพื่อให้การจัดสรรเงินเป็นเรื่องง่ายและเห็นผลลัพธ์ที่ชัดเจนขึ้น คุณจะรู้สึกมั่นใจและมีอิสระทางการเงินมากขึ้นอย่างที่ไม่เคยสัมผัสมาก่อน

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