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4 Spell for "A lot of income but can't save" Nutko Edition ✨

"Income is 90,000, but savings are 0 baht...Are you like this? "

The other day saw the post in the group, Natko was shocked! 🥺

Almost a hundred thousand people earn but complain that they can't save...

While many people earn less but have a lot of money to save, today I want to share four spells to fix the income, but I can't save money.

1️⃣ Move the "happiness" store. 🎡

Many people think shopping is to reward themselves, but it is really to "punish the wallet."

✅, try to change to a pleasure that requires no money, such as exercising, growing vegetables, cooking, or creating more numbers in the account or a growing gold portfolio instead of a package box...

2️⃣ set up the "Limit Yourself." 🧱

Not having a limit is the birthplace of financial hell!

✅ Divide money in a separate pocket or use a control app..."Discipline is not for detention, it's for us to fly higher like a billionaire!

3️⃣ Savings Before Use (The Golden Rule) 🪙

This is a classic rule that 90,000 baht a month often cannot do because "wait and save," but in truth, it never remains!

✅ Raw deducted since leaving immediately, transferred into a savings account or a stock / gold portfolio immediately...

4️⃣ Repeat until change "ridge." 🔥

Because finance is 100% a matter of habit.

✅ When the first savings (such as the first 1,000 or 10,000), pride will come... "Addict to that pride and repeat it until the financial nature automatically improves. 🛡️📊

And friends, can this kind of business still save? Can you talk to each other? 🩷

# financialeqbynatko # Saving money # Financial mindset # Teaching finance

4/18 Edited to

... Read moreจากประสบการณ์ส่วนตัว เรื่องการเงินมักจะไม่ง่ายเสมอไปแม้ว่ารายได้จะสูงก็ตาม หลายครั้งที่ผมเองก็ตกอยู่ในสถานการณ์ที่รายได้ดีแต่เงินออมแทบไม่มีเลย สิ่งที่เปลี่ยนแปลงได้จริงจังคือการรับรู้และปรับนิสัยการใช้เงิน เช่นในคาถาแรกที่พูดถึงการย้ายที่เก็บ "ความสุข" ผมเองลองเปลี่ยนกิจกรรมจากการช้อปปิ้งมาออกกำลังกาย หรือทำกิจกรรมที่ไม่ต้องใช้เงินเยอะก็ช่วยลดความอยากใช้จ่ายฟุ่มเฟือยลงเยอะ นอกจากนี้การตั้ง "กำแพงเงิน" หรือกำหนดวงเงินใช้จ่ายในแต่ละวันหรือสัปดาห์ผ่านแอปพลิเคชันช่วยจัดการงบประมาณทำให้ไม่มีเหตุการณ์เงินหมดก่อนสิ้นเดือนอีกเลย เหมือนกับการมีกองกำลังคอยตัดสินใจแทนเวลาที่รู้ตัวว่าอยากซื้อของที่ไม่จำเป็น สิ่งที่สำคัญมากคือ คาถาที่ 3 คือ การออมก่อนใช้ ซึ่งต้องฝึกอย่างมีวินัย เช่น เมื่อรับเงินเดือนมาให้แบ่งโอนเงินออมทันทีตั้งแต่แรกเข้า บัญชีออมทรัพย์แยกไว้เลย นอกจากจะสะสมเงินออมได้เร็วยังสร้างจิตใต้สำนึกด้านการใช้เงินอย่างรู้คุณค่า สุดท้ายคือการทำซ้ำจนเป็นนิสัย (คาถาที่ 4) การออมไม่ใช่แค่เรื่องของเงิน แต่เป็นเรื่องของใจด้วย เมื่อเราเห็นตัวเลขเงินออมเพิ่มขึ้น ความภูมิใจก็เป็นแรงผลักดันให้ทำซ้ำจนกลายเป็นนิสัยที่แข็งแรง อีกทั้งยังช่วยเสริมสร้างความมั่นใจทางการเงินในระยะยาว สำหรับใครที่อยากเริ่มต้นแต่ยังลังเล ลองเริ่มเทคนิคเล็กๆ เหล่านี้แล้วค่อยๆ ขยับขยายตามความถนัด จะพบว่าแม้จะมีรายได้เยอะ แต่ถ้ารู้จักวางแผนและบริหารจัดการอย่างมีเป้าหมาย เงินออมก็จะไม่ใช่เรื่องไกลตัวอีกต่อไป

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