The principle of allocating money is 40: 30: 20: 10.

🔵 40% = required cost (life basis)

Is money that "definitely has to be paid" to live a normal life.

Sample

• House rent / home installment

• Water, electricity, internet

• Food charge (daily eating)

• Travel expenses (car, oil, BTS, etc.)

👉 keystone.

• Try not to control more than 40%

• If exceeding = starting to risk not enough money to collect

🟡 30% = expenses for happiness.

Is that the money used to "fill life with happiness" is not a necessity, but keeps it from stress.

Sample

• Eating outside

• Shopping, clothing, supplies

• Travel Cafe

• Hobbies, watching movies, playing games

👉 keystone.

• It's fine, but it has to be "bounded."

• If this month is used a lot, the next month should be reduced.

🟠 20% = savings + investment

This is very important because it is "your future."

It can be subdivided, e.g.

• Emergency reserve (should have 3-6 months of expenses)

• Invest (Shares / Funds / ETFs)

• Target payment (buy car, house, big trip)

• Retirement money

👉 keystone.

• Do not cut this part first

• "Pay yourself first" (saving before using)

🟢 10% = giving + hedging

Is the money used to "take care of the heart + protect the future."

Sample

• Philanthropy / donation

• Purchase insurance (health / accident)

• Small emergency expenses

👉 keystone.

• Help create comfort

• Reduce big risks in the future

📊 Overview summary

• 40% → Survive

• 30% → Happy

• 20% → Create the Future

• 10% → Hedge + Merit Making

💡 Practical example

If you earn 15,000 baht / month

• 40% = 6,000 (required cost)

• 30% = 4,500 (happiness)

• 20% = 3,000 (savings / investments)

• 10% = 1,500 (insurance / merit / emergency)

🔥 Trick to work.

• Split account (use / keep / invest)

• Set automatic transfer as soon as the money enters

• If your income is low → Adjust to 50: 30: 10: 10

• If income increases → increases% savings

# Allocate money # Expense planning # Plan to spend money # Financial statements # Allocate salary