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The lie that we deceived ourselves about money. 🤥

One night at two o'clock, we ate shabu alone. 🍲

While waiting for boiling water, a mobile bounced up - "Credit Card Due"

We brushed it off like everywhere and said to ourselves, "I'll do it next month."

And then I realized that last month I said this sentence, and the previous month I said it.

It was then that we began to see that we had a series of "routine words" that deceived ourselves about money (included in the picture, scroll through).

But what really changed our mindset was the day knowing that -

It's not because we're lazy or can't spend money.

0% installment system, credit card, minimum interest. It was designed for us to "accidentally" in the first place. We're just normal people who walk into a pretty good trap. 😅

The day we stopped blaming ourselves and started seeing it as a "system to fight," everything got a lot lighter.

No rush, no perfection. Just start by daring to know how much we owe. 🌅

Personally, we use an app called Plotnee Planner - it starts with the smallest chunk first, sees the progress as a picture, and the data is stored on our machine 100% (personal debt).

Free first 3 cubes Who wants to try to plan like us to try to load → plotnee.app

Save yourself. 📌 And if you finish reading the comment, tell me which one in the picture is you. 👀

(Private number 2 is full, haha)

🏷️ Hashtag:

# Finance # Debt discharge # Saving money # Credit card debt # Salary bump month♪ Salary man # financial plan # of it must have # plotnee # lemon8financial

1 week agoEdited to

... Read moreประสบการณ์การจัดการหนี้บัตรเครดิตของผมเองชี้ให้เห็นว่าคำโกหกที่เราใช้หลอกตัวเอง เช่น "เดือนหน้าค่อยเก็บ" หรือ "ผ่อน 0% เหมือนได้ฟรี" เป็นกับดักที่ระบบการเงินออกแบบมาอย่างแยบยลเพื่อให้เราผ่อนจ่ายอย่างสบายใจในช่วงแรก แต่ท้ายที่สุดแล้วหนี้ก็เพิ่มพูนขึ้นจนควบคุมไม่ได้ ผมเคยเผลอใช้บัตรเครดิตแบบไม่รู้ตัว จนหนี้เริ่มท่วมท้นและทำให้เกิดความเครียดมากขึ้น พอมารู้ว่าการปัดปัญหาไปเรื่อย ๆ ไม่ได้ช่วยอะไรเลย ผมจึงเริ่มมองว่าหนี้คือระบบที่ต้องวางแผนสู้ ไม่ใช่การโทษตัวเองว่าขี้เกียจหรือไม่มีวินัยทางการเงิน จากนั้น ผมจึงเริ่มใช้แอป Plotnee ที่ช่วยตั้งเป้าหมายปลดหนี้ได้ทีละก้อนเล็ก ทำให้มองเห็นความคืบหน้าเป็นภาพ และที่สำคัญคือข้อมูลจะถูกเก็บไว้ในเครื่องเราเอง เพื่อความเป็นส่วนตัวในการจัดการหนี้ สิ่งที่ผมแนะนำคือ อย่าเพิ่งหวังว่าต้องเพอร์เฟกต์หรือรีบร้อนที่จะปลดหนี้ให้หมดในคราวเดียว เพราะความจริงแล้วแค่กล้ารู้ว่าตัวเองมีหนี้เท่าไหร่ และเริ่มต้นแก้ไขอย่างเป็นขั้นตอนก็ช่วยให้สถานการณ์การเงินดีขึ้นได้อย่างมาก ถ้าคุณมีคำโกหกในใจที่มักพูดกับตัวเองเวลาเจอหนี้ เช่น "ผ่อน 0% เหมือนได้ฟรี" หรือ "เก็บไว้เผื่อฉุกเฉิน" (ซึ่งบางครั้งฉุกเฉินก็แค่เรื่องอยากกินชาบูตอนตีสอง) ลองปรับมุมมองและวางแผนทางการเงินใหม่ ด้วยเครื่องมือและความรู้ที่จะช่วยให้คุณรับมือกับหนี้ได้จริง ไม่ต้องทุกข์กับมันจนเกินไป สุดท้าย การมีแผนการเงินที่ดีและเริ่มจัดการหนี้ตั้งแต่วันนี้ จะช่วยลดความเครียดเรื่องเงินและสร้างความมั่นคงทางการเงินในระยะยาวได้อย่างแท้จริง

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