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Financial management systems that anyone can follow

Many people "want to start planning money," but stick to it looking too tricky.

If you want a simple-to-do system that doesn't require investment knowledge, Pan recommends starting with "6 Jars" (6 Financial Jars).

Because it's "structuring money" first and then investing / inheritance / tax later.

What's the main 6 Jars?

Divide income into six parts.

1) Necessities Jar - Essential Cost (55%)

Stay-Eat-Travel-Home-Essentials

Target: Keep it from blooming, because this is the easiest jar to eat future money.

If it's over 55% now, it's okay. Let's go from 3 to 5%.

2) Financial Freedom Jar - Financial / Invest Freedom (10%)

Money to "build assets," such as funds / stocks / debt / businesses.

* * No Tap Spend Extravagant

This is the jar that makes "you don't have to work for the rest of your life."

3) Education Jar - Self Improve (10%)

Course Book Working Tools Coach / Mentor

Businessman's View > Good Investment = Maximum ROI from investing in yourself

4) Long-term Savings Jar - Silver for Big Target (10%)

Downhouse Business Capital Wedding Car Big Trip

Separate from investment because it has a clear "deadline."

5) Play Jar - Use For Happiness (10%)

Travel, eat well, like things

The reason for this is because if you are unhappy, the system will collapse and eventually return to the same money.

6) Give Jar - Giving / Family / Social (5%)

Give family, make merit, donate, support the people we care about.

Systematic giving makes the mind calm and does not affect the core structure.

How to start within 30 minutes (no waiting for front salary)

1.Open 6 "pockets" in mobile / account (split account / split jar in banking app)

2. Set up automatic transfer, money entry day (very important)

3. Start the "Simple Version" first:

• 60% required

• 5% free money

• Big 10% target

• Learn 5%

• 15% happiness

• Give 5%

And then adjust to standard proportions based on 6 Jars.

What 6 Jars Can Do "More Than Just Divide Money"

It gives you three key axes of stability.

• Cashflow Protection: Essential Costs Do Not Swallow Future Money

• Risk Structure: Big target money is not mixed with investment money.

• Wealth Building: There is a monthly flow of "assets" without thinking.

And if your income is up 20% this year,

Where does the marginal money go "or" disappear with the lifestyle "?

People who are actually richer always have marginal money flowing into Financial Freedom + Long-term Savings first.

And if you don't know where to start, Pan is open to financial planning for free! First 10 people, just say hello to the green house @ plan.parich, type "plan."

To put a good financial system together.

Kawinaorn P. (Pan)

AFPT Financial Adviser ™

📮 Consult 1: 1 Financial Planning

Line OA | IG | Facebook | Tikis: Plan Parich

# Financial planning # Financial freedom # 6 jars # Develop yourself # planparich

4/16 Edited to

... Read moreจากประสบการณ์ส่วนตัวที่เริ่มใช้หลัก 6 Jars ในการบริหารการเงิน พบว่าการแบ่งเงินเป็นสัดส่วนอย่างชัดเจนช่วยให้รู้ว่าควรใช้จ่ายเท่าไรในแต่ละด้าน โดยเฉพาะกระปุก Necessities ที่ช่วยควบคุมค่าใช้จ่ายจำเป็นไม่ให้เกิน 55% ของรายได้ ช่วยลดภาระการเงินในระยะยาวได้จริง สิ่งที่น่าสนใจก็คือการตั้งโอนอัตโนมัติไปยังกระปุกต่างๆ ในวันที่เงินเดือนเข้ามา ซึ่งทำให้เราไม่เผลอใช้เงินเกินตัว เพราะแต่ละกระปุกมีวงเงินจำกัดและบังคับใช้ตามสัดส่วนที่กำหนดไว้ นอกจากนี้ การกันเงินสำหรับ Education Jar หรือการพัฒนาตนเอง ถือเป็นการลงทุนที่ให้ผลตอบแทนสูงในระยะยาว เช่น เรียนคอร์สที่ส่งเสริมทักษะการทำงานหรือธุรกิจ ช่วยเปิดโอกาสใหม่ๆ และขยายช่องทางรายได้ได้อย่างแท้จริง สำหรับ Play Jar ก็เป็นเรื่องสำคัญที่จะไม่ลืมดูแลความสุขใจ เพราะถ้าเราจำกัดตัวเองเกินไป ระบบจะไม่ยั่งยืนและเสี่ยงกลับไปใช้เงินแบบไม่มีวินัยได้ง่าย หลัก 6 Jars ไม่เพียงแค่แบ่งเงินเท่านั้น แต่ยังสอนให้เราเข้าใจแกนสำคัญของความมั่นคงทางการเงิน คือการปกป้องกระแสเงินสด ปรับโครงสร้างความเสี่ยง และสร้างความมั่งคั่งอย่างเป็นระบบ สุดท้าย เมื่อรายได้เพิ่มขึ้น ควรให้เงินส่วนเพิ่มไหลเข้าสู่กระปุก Financial Freedom และ Long-term Savings เป็นอันดับแรก เพื่อให้เงินทำงานแทนเราในระยะยาว ไม่ใช่จมอยู่กับไลฟ์สไตล์ที่อาจทำให้เราตามไม่ทันเงินเฟ้อในอนาคต การเริ่มต้นง่ายมาก เพียงใช้มือถือเปิดแอปธนาคารและแยกบัญชีตามกระปุก หรือใช้กระปุกเงินในแอปที่รองรับฟังก์ชันนี้ ในเวลาไม่เกิน 30 นาที ทุกคนก็สามารถจัดการการเงินได้อย่างมืออาชีพและทำตามได้จริง

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