How many bank accounts should we open? 🧐💸

✅ The average person should have 3-4 deposit accounts.

✅ divided into one "card account" and two to three "no card."

✅ is available as "multi-bank" or "single bank," depending on convenience.

✅ The important thing is that each account has a "clear page" and is not mixed.

Anyone have any techniques to share ~

🏦 Accounts that suggest there should be

❇ Routine Revenue-Expenditure Account (Accounts with ATM or debit cards)

• Use to receive salary or income from work

• Use to swipe, pay or transfer for everyday expenses

• There are cards because they need to be used often.

💡 should choose a bank that is easy to use and available for free fees, such as KBank, SCB, TTB, Krungthai NEXT.

✍ Emergency savings account (no card)

• Save money to use when needed, such as illness, emergency, income deficiency

• Should not make an ATM card because it will be "hard to touch"

• Recommended to keep in high interest accounts, e.g.

• TTB No Fixed / SCB Easy Savings / Krungthai NEXT Savings / K-eSavings

💡 Technique: Set up an "automatic monthly transfer" system from the main account to this account, such as 10-20% of revenue.

☁ Long-term savings account (no card)

• For collecting target money, such as buying a house, car or children's money

• Use a separate account so that it is not mixed with emergency money.

💡 If kept very long, may move to a 12-month regular deposit or a low-risk mutual fund.

❄ Specific Target Account (Select Available)

• Such as travel money, gift money or investment money

• Use a digital account (no card) to see clearly separated peaks and not mixed.

💡 Some banks like SCB / KBank / Krungthai can "open multiple app sub-accounts" without going to the bank.

🧠. Smart accounting techniques.

1.Separate the account in front of the account - do not use a single account to receive-pay-savings

2. Set up automatic transfers every month, such as 20% into an emergency savings account.

3.No Card = No Use - Helps Prevent Extravagant Spending

4. Check the Czech Statement monthly - to know which part of the expenditure is over.

5. Use with the main account only for security.

# Bank account # A bank that should have # Lemon 8 Howtoo # Finance and investment

# Talk about money