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5 ways to manage money, not poor life

5 ways to manage money

1. Know Actual Revenue-Expenditure

• Write down all baht in and out

• Clearly separated "necessary" vs "extravagant"

• To see where the money is gone and adjust in time.

2. Divide money into piles from the beginning (formula 50/30/20 or adjusted).

• 50% = required expenses (eating, travel expenses, required debt)

• 30% = Lifestyle (Eat Play, Travel, Shop)

• 20% = savings + investment

3. Saving before using. Not remaining and then saving.

• Salary entry → Immediate transfer into account, i.e. 10-20%

• Do it automatically so you don't use it all.

4. Keep emergency money ready

• Create an emergency fund for 3-6 months of regular expenses

• Save against risk, not to recover from trouble

5. Make more income + invest to grow

• Earn Supplementary Income by Appointment (Online Selling, Free Lance, Part-Time Work)

• Some savings are invested (mutual funds, stocks, insurance, assets)

• Give money to work, not just to work.

📌 Tips to prevent until

• Do not indulge in emotional spending (buy because you want, but not necessary)

• Use big risk insurance (health, accidents, serious diseases) to prevent money from being collected

• Set short-medium-long goals such as buying a house, having retirement money

# Not planned until # plannotpoor

2025/9/25 Edited to

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