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Turn the rest into savings day 1.

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... Read moreการเริ่มต้นสะสมเงินออมนั้นไม่จำเป็นต้องใช้จำนวนมากในแต่ละวัน แค่เหลือเงิน 66 บาทจากการใช้จ่ายในหนึ่งวันแล้วนำมาสะสมเรื่อยๆ ก็สามารถสร้างเงินก้อนได้อย่างไม่น่าเชื่อ ในประสบการณ์ส่วนตัว ผมพบว่าการตั้งเป้าออมเงินในวันแรกด้วยจำนวนเงินเล็กน้อย เช่น 66 บาท ช่วยให้เรามีความรู้สึกว่าการออมเงินเป็นเรื่องง่ายและเข้าถึงได้จริง ที่สำคัญคือการมีวินัยในการเก็บเงินทุกวัน นอกจากนี้ การกำหนดเป้าหมายระยะสั้น เช่น ออมเงินวันละนิดเป็นเวลา 153 วัน ตามที่ในภาพ OCR แสดง ช่วยสร้างแรงจูงใจและเป็นการฝึกนิสัยการออมที่ดี ผมยังเลือกใช้วิธีการจดบันทึกยอดเงินที่ออมในแต่ละวัน ทำให้มองเห็นพัฒนาการ และรู้สึกภูมิใจในความมุ่งมั่นของตัวเอง สิ่งนี้ส่งผลให้ผมอยากที่จะประหยัดเงินในส่วนที่ไม่จำเป็น เพื่อนำเงินส่วนนี้มาเพิ่มเงินออมอีกทางหนึ่ง เช่น ลดค่าใช้จ่ายฟุ่มเฟือย เลือกซื้อสินค้าที่ลดราคา หรือใช้โปรโมชั่นต่างๆ การเปลี่ยนเงินทอนหรือเงินเหลือจากการใช้จ่ายในชีวิตประจำวันให้กลายเป็นเงินออม จึงเป็นวิธีที่ได้ผลและเป็นไปได้จริงสำหรับใครที่ต้องการเริ่มต้นเก็บเงินอย่างมั่นคง สุดท้ายนี้ ผมอยากแนะนำให้ทุกคนลองทำแบบนี้ดู เริ่มจากเงินน้อยๆ ก่อน แล้วต่อยอดเป็นเงินออมที่มากขึ้นตามกำลัง สุดท้ายการออมวันละนิดจะกลายเป็นนิสัยและสร้างผลประโยชน์ทางการเงินในอนาคตได้อย่างยั่งยืน

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