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Bank 50 forever. 🩵

5 days agoEdited to

... Read moreหลายคนอาจจะมองว่าแบงค์ 50 เป็นเหรียญเงินค่าธรรมดาที่ใช้แล้วหมดไปง่าย แต่จริงๆ แล้วถ้าเราเอาแบงค์ 50 มาทำตารางออมเงิน ถือเป็นวิธีหนึ่งที่ช่วยฝึกนิสัยการออมได้ดีทีเดียว ตัวอย่างเช่น การทำ "ตารางออมเงินแบงค์ 50" ที่แนะนำให้เก็บแบงค์นี้ไว้โดยไม่ใช้ทันที เมื่อได้รับมาแล้วให้แยกออกเป็นส่วนๆ หรือมีเป้าหมายในการออม เช่น ถ้าเก็บแบงค์ 50 วันละ 1 ใบ จะได้เงินเก็บเดือนละ 1,500 บาท ซึ่งถือว่าเป็นจำนวนเงินที่สามารถเก็บได้แบบไม่รู้สึกกระทบกับค่าใช้จ่ายประจำวันมากนัก ส่วนตัวผมเคยลองใช้วิธีนี้ร่วมกับการตั้งเป้าหมายว่าจะเก็บเงินเพื่อซื้อของที่อยากได้หรือลงทุนเล็กๆ น้อยๆ แล้วพบว่า การมีตารางช่วยให้เห็นความก้าวหน้าของการออมชัดเจนและยังเป็นแรงกระตุ้นให้อยากเก็บเงินต่อไปเรื่อยๆ อีกด้วย นอกจากนี้ การไม่ใช้แบงค์ 50 ทันทีเมื่อได้มาแต่จัดเก็บไว้ก่อน ยังช่วยลดการใช้เงินฟุ่มเฟือยได้ดี เพราะทำให้เรามองเห็นจำนวนเงินของเราแบบชัดเจน และรู้สึกผูกพันกับการออมมากขึ้น อีกเทคนิคหนึ่งที่น่าลองคือการตั้งกล่องหรือซองสำหรับเก็บแบงค์ 50 โดยเฉพาะ เพื่อให้เกิดความรู้สึกเป็นเจ้าของและควบคุมเงินได้ง่าย การแบ่งเงินออกเป็นก้อนเล็กๆ แบบนี้ยังช่วยให้เราวางแผนทางการเงินได้ดีขึ้น และนำไปใช้ในจุดประสงค์อื่น เช่น เก็บไว้ฉุกเฉินหรือใช้เป็นกองทุนเล็กๆ สำหรับกิจกรรมพิเศษ ถ้าคุณกำลังมองหาวิธีที่ง่ายและไม่ซับซ้อนในการออมเงิน ลองเริ่มที่แบงค์ 50 พร้อมกับทำตารางออมเงินดู รับรองว่าจะเห็นผลลัพธ์ที่น่าพอใจ และยังช่วยสร้างวินัยทางการเงินให้กับตัวเองอย่างยั่งยืน

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