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MintMintMintMint

💰 The review collected the first $1 million in 10 years. 😬

Salary Man Edition (Little)

... from people who are not rich at home. There is no cost of life.

It all started from scratch and built on its own. ✨

... I set a simple goal of saving 100,000 baht a year, or an average of 8,333 baht a month, some months a lot, trying to save it.

... I started making money on my own at the age of 16 during my vocational school. - whether it's selling online, selling flea markets, carrying goods, getting part-time jobs, doing anything that makes money.

... when I graduated from the P.A. and started working at the age of 20, I sent myself to the Saturday-Sunday bachelor's degree.

That phase is considered the heaviest phase of life.

📌 Monday-Friday. Regular work.

📌 out of work, come back, pack, sell, deliver all your own.

📌 Saturday-Sunday. Study from morning to night.

📌 Every day there is a flea market, invest in clothes, shoes for sale.

... Every baht of income other than my salary I invest in and try to live as economically as possible.

... my way of saving money may seem plain, but do it consistently, e.g.

👜 Never bought a brand-name bag. Only used a free bag.

💄 Use up all the makeup. Use all the lipsticks.

🪥 Toothpaste Face Wash Foam Cream Cut Use Until Last Drop

🧴 Shampoo, fill the bottle with water

👚 wear clothes again. Never feel embarrassed.

👗 go to different events, choose to rent a dress because it's worth buying it once.

🏷️ I'm glad every time I press a lot of discounts.

💳 use credit card benefits for money and never lose interest.

🛒 like to buy yellow labels in the mall.

🛵 Ride a motorcycle to work to save fuel.

🍱, cook yourself regularly.

🚫 don't shop with the flow.

📈 Invest and collect money consistently every month.

And today... I succeeded. ❤️

... the first $1 million may be just a number for some people, but for me it is the result of the effort, patience and discipline accumulated over 10 years.

... Now the goal is not just to raise more money, but to continue to grow the available money, where the principal is safe and can work for us on the day our physical and time strength decreases.

... raising a million may not be as difficult as keeping that million and keeping it growing.

I always believed...

"Someday I'll be rich on my own." 😊

P.S. I don't burden anyone, I don't owe, I don't borrow anyone, and I don't lend anyone either. 😌 End of review...

6/20 Edited to

... Read moreการมีวินัยทางการเงินและการตั้งเป้าหมายที่ชัดเจนเป็นสิ่งสำคัญมากในการเก็บเงินให้งอกเงยจนถึงล้านแรก เหมือนกับที่หลาย ๆ คนมักจะพบว่าเก็บเงินไม่ใช่เรื่องง่ายโดยเฉพาะอย่างยิ่งเมื่อรายได้ไม่สูง แต่หากวางแผนให้ดีและมีความพยายามอย่างสม่ำเสมอ ผลลัพธ์จะเกิดขึ้นได้จริง จากประสบการณ์ที่ได้เล่ามา การเก็บเงินปีละประมาณ 100,000 บาท พร้อมทั้งใช้ชีวิตอย่างประหยัด เช่น ไม่ตามกระแส ไม่ซื้อของที่ไม่จำเป็น ใช้ของจนหมดประโยชน์ และใช้สิทธิประโยชน์บัตรเครดิตได้อย่างคุ้มค่า จะช่วยทำให้เงินเก็บเพิ่มขึ้นอย่างต่อเนื่อง นอกจากนี้ การลงทุนอย่างชาญฉลาดก็มีส่วนช่วยสร้างเงินให้เติบโตโดยที่ความเสี่ยงต่ำ เช่น การลงทุนทองคำตามข้อมูล OCR ที่ระบุถึงการถือครองทองคำเป็นหนึ่งในสินทรัพย์ที่มีมูลค่าปลอดภัยช่วยให้เงินต้นไม่ถูกกัดกร่อนจากเงินเฟ้อ และยังมีโอกาสได้รับกำไรในระยะยาว โดยการติดตามมูลค่าปัจจุบันและต้นทุนเพื่อประเมินผลกำไรหรือขาดทุนเป็นหลักในการบริหารจัดการให้เหมาะสม สำหรับมนุษย์เงินเดือนที่อยากประสบความสำเร็จแบบนี้ สิ่งที่ควรทำคือสร้างรายได้เสริมควบคู่ไปกับการทำงานประจำ เช่น ขายของออนไลน์ ทำพาร์ทไทม์ หรือธุรกิจเล็ก ๆ เพื่อเพิ่มเงินเก็บและนำเงินส่วนเกินไปลงทุนต่อยอด สุดท้าย สิ่งที่สำคัญที่สุดคือการรักษาวินัยทางการเงิน ไม่สร้างหนี้ที่ไม่จำเป็น และไม่ยืมเงินผู้อื่น เพราะจะทำให้การวางแผนการเงินมั่นคงยั่งยืน สามารถนำเงินที่เก็บไว้ไปใช้สร้างอนาคตที่ดี และพร้อมสำหรับวันที่แรงกายและเวลาของเราลดลง เหมือนกับความตั้งใจของผู้เล่าเรื่องนี้ ที่มีความฝันว่าจะรวยด้วยตัวเองอย่างมั่นคงและปลอดภัยในอนาคต

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