Whenever the money leaves, fleeting in three days!
The 50/30/20 formula is a "money management formula."
Very popular because it's easy to understand.
And help people start planning money uncomplicated.
📌 principle is to divide income into 3 parts.
• 50% cost required
For example, living expenses, home expenses, travel expenses, regular debts.
• 30% personal / lifestyle expenses
Like shopping, eating, traveling, entertainment.
• 20% savings / investments
For future goals and emergency money.
✅ Why should I use this formula?
1. Easy to start
Don't worry about how to keep it. Just divide it by proportion.
2. Balance life with the future
There is both money spent necessary: not troublesome.
Have Money to Enjoy Life: No Stress
And there are also savings: not worried about the future.
3. Practice financial discipline
We know that the proceeds should not be spent on the present, but on the future.
4. Apply to everyone
Whether the income is small or large, it can be proportioned to the situation itself, such as 60/20/20 or 70/20/10
To make it as simple as possible, this formula is like a navigation map.
Money does not flow one way, but is divided into "today, happiness, the future."
📌 give an example.
💰 Income 15,000 baht per month
• 50% required cost = 7,500
→ Rent of room 3,500, travel 1,000, food 3,000
• 30% Lifestyle = 4,500
→ Watching movies, eating out, shopping, net value, wishlist
• 20% savings / investments = 3,000
→ Accounts collected, mutual funds invested, emergency money
💰. A monthly income of 30,000 baht.
• 50% required cost = 15,000
→ Home / Condo installments 700, car 5,000, food 3,000
• 30% Lifestyle = 9,000
→ Once a month provincial trip, fitness fees, brand name items
• 20% savings / investments = 6,000
→ Invest mutual funds, buy stocks, save to retire.
You can see that no matter how much income, this formula will help "balance."
Make the future not waste money first
