2026 earnest money budget👛🫵🏻
Before, we wrote down regular income, but we didn't make such a serious budget.
But this year, with the discovery of a lovely financial app (Moneypodcast 😻), along with the first year of no debt, I reset the system.
There are two main parts of the expenditure.
Fixed cost: That we will definitely pay every month, such as net, insurance, family support (lottery)
📍 up-and-down expenses: depending on the craving, such as credit card, eating, shopping.
Savings have 5 parts (depending on your preference) 🏦
📍 2,000 baht emergency collection.
📍 2,000 baht fund (e-class scb fund)
📍 1,000 baht (in dime app)
Gold 📍 500 baht (in dime app)
bitcoin 500 baht (in bitkub app)
Personally, when the budget is set, we feel that we manage the money better. It can be felt in the budget. It is clear to see the spending. If there is money left over from each month, the budget is set, then we can save other things that we think we should have the opportunity to use, such as travel, home repairs, and so on.