Automatically translated.View original post

ออมสบายสไตล์แม่ปุ้ย897

3448 followers

Follow

Follow

Follow

0 saved

1

Saving expenses

At the end of the month, sometimes have to find money to pay, so keep it separately.

2/10 Edited to

การออมค่าใช้จ่ายเป็นสิ่งที่หลายคนมองข้าม แต่จริงๆ แล้วการตั้งเป้าหมายและแบ่งแยกเงินเป็นก้อนสำคัญช่วยให้เราควบคุมการใช้จ่ายได้ดีขึ้นมาก เช่น การแยกเงินไว้สำหรับค่าใช้จ่ายต่างๆ และการออมโดยตรง เช่น ที่เห็นในตัวอย่างของการออม 480 บาทภายใน 2 วัน สร้างความมั่นใจว่าจะมีเงินรองรับเวลาเกิดเหตุฉุกเฉินในช่วงสิ้นเดือน ผมเองก็เริ่มจากการจดบันทึกรายรับรายจ่ายทุกวัน เพื่อดูว่าส่วนไหนสามารถลดลงได้ เช่น การลดการทานอาหารนอกบ้าน หรือการซื้อของที่ไม่จำเป็น หลายครั้งที่ผมพบว่าการออมเล็กๆ น้อยๆ จากกิจวัตรประจำวันรวมกันแล้วช่วยให้ผมมีเงินสำรองเพียงพอ นอกจากนี้ การออมค่าใช้จ่ายในช่วงฤดูร้อน (summer) อย่างประหยัด เช่น ลดการใช้ไฟฟ้า ลดการใช้เครื่องปรับอากาศ หรือเลือกใช้อุปกรณ์ประหยัดพลังงาน ก็ช่วยลดค่าใช้จ่ายได้อีกทางหนึ่ง ที่สำคัญคือทำให้เราไม่ต้องเครียดเวลาถึงวันจ่ายบิลต่างๆ สิ้นเดือน สุดท้ายแล้ว การมีวินัยและความสม่ำเสมอสำคัญที่สุดครับ เมื่อเราแบ่งเงินและออมอย่างตั้งใจ จะพบว่าการเงินครอบครัวจะมีความมั่นคงและคล่องตัวมากขึ้นจริงๆ

Related posts

Grow into a rich girl by investing and saving💎💰

Hey, ladies who dream big! 👩‍💼✨ Are you tired of being broke and ready to make a change? Well, you're in the right place! 🎉 💡SAVE: Saving money is the cornerstone of building wealth, and it's never too early to start. Without a solid savings foundation, investing can feel like buildin

2256 likes

Stacks of US dollar bills, including $20 and $50 denominations, with some banded for $2,000. Overlay text introduces a "$5000 SAVINGS PLAN for a car."

A mobile banking screenshot showing a transfer of $416.67 from checking to savings, dated 08/26/2024. Text advises setting up a dedicated savings account and automating monthly transfers.

Stacks of US dollar bills in the background. Overlay text breaks down the monthly savings goal of $416.67 into weekly ($104.17) and daily ($13.89) amounts.

SAVING $5K IN 12 MONTHS PLAN 💰

$5,000 Car Savings Plan This plan outlines a step-by-step approach to save $5,000 over the next 12 months for purchasing a car. It includes setting a monthly savings goal, budgeting to cut unnecessary expenses, and exploring additional ways to increase income. By breaking down the total amount i

2082 likes

A close-up of a digital finance tracker on a tablet, showing the 'Accounts' section with categories for Checking, Saving, Credit, and Cash, detailing their balances, income, and outgoing amounts.

A digital finance tracker on a tablet displays 'Income' and 'Expenses' sections. Income shows a 'Phonethon Salary' of $68.76. Expenses are summarized in a pie chart totaling $191.61, categorized by spending areas.

My Digital Financial Planner, Saving Tracker 💸

#digitalplanning #lemon8challenge #spendingtracker #notion #letschat 💌 How do ya’ll plan out your savings ? Here’s a little tour of my Finance Tracker, I really wanted a saving journal but I didn’t have the money to spend on one. So instead I searched up some videos and found this

72 likes

SAVING $2,000 MADE EASY

Tips and tricks to help reach your goal ⬇️ If you’re paid biweekly, take out two weeks at a time. For example - weeks 1 & 2. Temporarily reduce unnecessary spending to help reach your goal! Set up automatic transfers into your savings account and check it to make sure you are on track! #l

1398 likes

Books on saving money ✨

Budgeting & Personal Finance 101 ! I found them at Barnes & Noble yesterday while out avoiding buying more books 😂😘 #brokebooklife #buyingbooks #budgeting #personalfinance

1161 likes

My salary vs. my expenses at age 28:

As a resident doctor, I am paid an annual salary which I break down to a monthly amount ($3934.16). My monthly expenses are as follows: Rent: $1,278 Gym membership: $150 Peloton bike: $114 Groceries: ~$650 Disability insurance: $150 Pet supplies: ~$200 Gas: $200 Nuuly: $100 TOTAL = $3,242.

1244 likes

6 SAVING TIPS 💰💸💸

Saving money is straightforward and attainable when you adhere to a well-defined plan. Begin by establishing a specific savings goal and monitor your current spending habits. Formulate a practical weekly budget that distinguishes between needs and wants, and then reduce unnecessary expenses that ca

216 likes

The image displays "6 Saving Tips for beginners" in colorful text, with US dollar bills fanned out on a glass table, a plant, and a "swipe" indicator, introducing financial advice.

This image illustrates "Set a Goal" and "Budget" tips for saving, listing examples like emergency funds, vacations, and tracking expenses, with US dollar bills on a patterned notebook.

The image presents "Savings Account" and "Consistency" tips, advising to set up a HYS account, automate transfers, and start saving small amounts like $10/week, with dollar bills on a notebook.

Day 1 of Saving? Here’s Where to Start! 💰✨

If today’s the day you’ve decided to start saving, congrats—you’re on the right path to financial freedom! Here’s a simple guide to help you kick off your savings journey with confidence.👇 1. Set a Goal 🎯 Start by asking yourself: What am I saving for? It could be an emergency fund, a new

164 likes

A clear plastic bag filled with stacks of US dollar bills, with the text 'Stop THROWING AWAY Money' overlaid, illustrating the concept of wasting money.

A hand holding a large stack of US dollar bills, with text warning about 'iMPULSE PURCHASES' and how buying unnecessary items drains your budget.

A hand holding a large stack of US dollar bills, accompanied by text advising against 'UNNECESSARY SUBSCRIPTIONS' that waste money monthly.

Money Traps to Avoid:Stop Wasting, Start Saving!

Becoming financially responsible means cutting out unnecessary expenses. Impulse buys, unused subscriptions, and high-interest debt all drain your budget. Brand-name products often cost more without offering extra value, and eating out regularly can quickly eat up your funds. By avoiding these comm

1179 likes

A great saving tactic and test of self discipline

On February 1st until March 1st I want to attempt to do a “No spend month” I’m really bad when it comes to retail therapy and I love to go out so I need to take the first step and plan ahead. I am going to log all of my expenses and share them with you all on a weekly update after the 1st.

2579 likes

Saving Money as a College Student!!

💸As we know college is so expensive and sometimes when you're working part time or living on student loans, it's really important to know how to save money and live within your means!! Here are some of my best tips to saving money while in college! Limit eating out - this one is super

185 likes

low income money saving home hacks 💸🤑💰

Cutting utility costs on a low income isn’t about extreme sacrifices — it’s about knowing where your money is leaking and fixing it with small, repeatable habits. For electricity, unplugging idle devices, using power strips, and washing clothes in cold water can noticeably lower your bill over t

1711 likes

A stack of US dollar bills on a wooden surface, with overlay text announcing a "$100 Saving challenge To Save $5000," indicating the financial goal.

A text graphic on a light blue background detailing a 5-month saving challenge to reach $5,000, with monthly savings increasing from $100 in Month 1 to $500 in Month 5.

A colorful grid outlining a "$5000 saving challenge" over 20 weeks, showing varying weekly savings amounts to reach the $5,000 goal.

$100 saving challenge to SAVE $5,000

To reach your goal of saving $5,000 in 5 months, you will need to find additional ways to save or earn more money. This could include cutting back on expenses, finding ways to increase your income, or adjusting the savings plan to fit your financial situation. Good luck! Don't forget to follow

399 likes

I started saving on a low income 🤑💸💲

For a long time, I believed saving money was only possible once I made more. The problem? My expenses grew right along with my income — and saving always stayed “later.” Starting small on a low income taught me that saving is a skill, not a milestone. Whether it was $5 or $15, consistently setti

145 likes

saving and Budgeting Tips

Here are twelve awesome tips to help you manage your money better and build a strong financial foundation: 1. Make a Budget: Start by creating a monthly budget to track your income and expenses. This will help you see where you can save more. 2. Pay Yourself First: Treat savings like a bill a

130 likes

Money Saving Tips 📌📌

1497 likes

Saving on a low income is all about small wins and consistency. I track every dollar, save before I spend, and celebrate every win to stay motivated. These simple habits helped me build savings without feeling restricted. Swipe to learn how to start your own plan today! 🌟 #lemon8partner #money

16 likes

A hand holds a wallet containing US dollar bills, with the green text overlay "Save Money The Lazy Way." Decorative butterflies and stars are around the image.

A hand holds a wallet with money, illustrating the tip to "AUTOMATE EVERYTHING" by direct depositing a portion of your paycheck into savings, with text "No effort, no excuses."

A hand holds a wallet with money, illustrating "SIMPLIFY MEALS" by stocking up on staples and batch-cooking to save time and money, with pink flower decorations.

The Lazy Person’s Guide to Saving Money💸

Saving money doesn’t have to feel like a second job—it can be super simple! 💸 From automating your savings to making easy meal swaps, there are ways to build your bank account without breaking a sweat. ✅ Set up auto-transfers and let your savings grow on autopilot. 🍳 Skip takeout and try

774 likes

A flat lay of various U.S. dollar bills, including twenties, tens, and ones, on a dark textured surface, with the text 'Money Saving Tips Cash Edition' overlaid.

An open, decorated red money box filled with bundles of U.S. currency, illustrating a method of saving loose cash and separating it into categories like bills, credit card, and bank.

A text-based image detailing a weekly cash saving breakdown, showing amounts for different denominations, and how money is allocated to bills, bank, and credit card after counting.

Money Saving Tips (that have helped me)

I am a server and bartender, so I ALWAYS have loose cash. I figured out the best way (for me) to save my money instead of impulsively spending it. I have many different goals that I save for, but my top 3 are Savings, Big Expenses, and Credit Card. It has become a habit after doing it this way

4858 likes

HOW TO PLAN FOR UNEXPECTED EXPENSES 🙅‍♀️

You can make the perfect budget that covers all your expenses down to the last penny. But life has a way of throwing curveballs when you least expect it. There’s no way to predict when disasters will strike – but there are lots of ways to prepare for them - for example with an emergency fund. He

23 likes

A woman smiles at a desk with a laptop, promoting "THE BEST APP TO KEEP TRACK OF YOUR TRAVEL EXPERIENCES." The image features "TRAVEL HACKS APPS" and a red suitcase icon, introducing the topic of travel expense tracking.

The TravelSpend app interface shows various expense categories like Transportation, Restaurants, and Shopping. It details how to add new expenses, including notes, date, payment method, location, and currency, for comprehensive tracking.

The TravelSpend app displays a trip summary with "Total to Date $1,169.65" and "Daily Average $194.94." Individual transactions are listed by date and category, illustrating how expenses are classified and manually added.

Easy Hack to Track Your Travel Expenses like a Pro

💸 Keeping a budget while traveling can be challenging, especially when visiting a new place. The excitement for the food, attractions, and buying souvenirs… Everything adds up very quickly! 🧘🏻‍♀️I've been trying to be more mindful of my expenses while traveling, and I found it to be harder t

32 likes

🏠 Dreaming of starting a house cleaning business? Here are three smart tips to help you save money as you get started! 🧼 Start with essential cleaning supplies to minimize upfront costs. 📢 Utilize low-cost marketing strategies like social media and referrals to attract clients. 💼 Keep overhead expe

137 likes

💸💸💰7 Expenses that rich people Avoid ✨

Want to build real wealth? 💰 Start by ditching the expenses that drain your bank account instead of growing it. Rich people don’t just earn more — they spend smarter. Make your money work for you, not against you. Save this post and start cutting what’s keeping you broke! #SmartMoneyMoves #We

231 likes

Saving $4K in 5 months: Step-by-step ✨🤍💸

I set a clear goal for myself 5 months ago that I would save $4,000 by the end of the year. 5 months later, I’ve reached my goal and then some! These are the steps I took to reach my goal. It took serious planning and consistency, but these steps made it easier! Are you on a savings journey t

255 likes

Budgeting and saving tips!💵

#budgets #save your money #money money money #saving more money #savingsmadeeasy #Lemon8Diary #budgeting #saving more money 💴

365 likes

The first five tax-saving strategies are listed on a white card against an abstract background, including contributing to 401(k)/IRA, using HSAs, claiming deductions, using tax credits, and opening a 529 Plan.

The remaining five tax-saving strategies are presented on a white card against an abstract background, covering harvesting tax losses, using FSAs, choosing filing status, keeping records, and seeking expert help.

Tax-saving Strategies for individuals 💵

Want to stop overpaying taxes every year? 👀 It’s time to take control of your finances and keep more of your hard-earned money where it belongs in your pocket! 💸 Start using smart strategies like contributing to your retirement accounts, claiming every deduction you’re eligible for, and using HSAs

8 likes

A baby wearing a sun hat and diaper stands in a blue kiddie pool, held by an adult. The image has text overlay about preparing financially for a baby.

Two babies are seated in a double stroller. Text overlay highlights one-time costs for a baby, including pregnancy and baby gear like cribs, car seats, and strollers.

An open cardboard box is filled with multiple packages of diapers. Text overlay lists possible monthly costs for a baby, such as health insurance, diapers, and an education fund.

✨Baby Expenses: What to Expect + Budget For!🫶

The cost of having a baby can really range depending on your choices and circumstances—things like how much baby gear you purchase, whether you have solid health insurance, and whether you choose to breastfeed or formula feed all play a role. Child care is another big factor that can add up quickly

184 likes

7 Expenses to Cut First When Money Feels Tight

If money feels tight, stop trying to cut everything at once. Start with the expenses that drain your budget the fastest: unused subscriptions, delivery fees, impulse shopping, takeout, convenience spending, premium upgrades, and nice-to-have extras. Most budgets do not fall apart because of one

269 likes

MY SALARY VS EXPENSES AT 19 💲

keep in mind that i work in retail so sometimes i make less than this and sometimes i make more!! its rough sometimes haha !! PSA i have roommates and we split rent!! I work at maurice’s and bath and bodywork’s and depending on the season i can make a lot or not much :) how much do you m

3414 likes

This is how I learn to reduce my monthly expenses✨

Other options you can do: Use budgeting app like Excel sheets to categorize spending. Review bank statements for 2–3 months to spot recurring costs. #budgetingtips #Lemon8 #lemon8challenge #financeplanner #spendinghacks

52 likes

Those child care expenses 👀 Claim THEM ❗️

Mama🌸 Claiming child care expenses on taxes can be a great way to reduce your tax liability. Here are some key tips to help you maximize this benefit: 🧸 Understand the Child and Dependent Care Credit: This tax credit allows you to claim a portion of what you pay for child care expenses, as lo

53 likes

3 EASY ways to reduce your expenses 🫶

Considering cutting back on your expenses? Sometimes it could feel like you don’t know where to start because everything feels so expensive, so here are 3 super easy ways to reduce your expenses and save more! What are your favorite ways to reduce your expenses? Follow me for more money ti

37 likes

A pink iPad rests on a white fluffy blanket, with text overlayed that reads "Saving Money using Ipad" and "Swipe".

An iPad screen displays a pink digital planner cover titled "IN MY BAG SAVING CHALLENGES" with money bag and dollar sign graphics.

An iPad screen shows a pink digital "SPENDING TRACKER" template with sections for income, fixed expenses, variable expenses, debts, and a summary.

Saving money using Ipad

This is the easiest and most organized way I save money. These templates in my planner make it easy for me to save money because I can visually see my progress. I love that it's pink. The spending tracker template is the most useful because I can organize all of my expenses, and in the end,

268 likes

Several books and journals, including one with a cross and another with a quote, rest on a fluffy blanket. Overlay text reads "Saving Habits I'm Prioritizing in 2026" with a money-face emoji.

A cup of coffee/tea, a hair clip, and a pen on a notebook with handwritten text. Overlay text states: "I'm saving something every paycheck - no matter how small." and "I'm automating my savings so I don't rely on motivation."

A scenic landscape features a green pond, surrounded by vineyards and hills under a cloudy sky. Overlay text says: "I'm choosing consistency over big amounts." and "I'm building my emergency fund before luxury goals."

How I’m Building Better Saving Habits in 2026✨

In 2026, I’m choosing saving habits that feel realistic, sustainable, and supportive of my life — not stressful or all-or-nothing. I’m letting go of the pressure to save perfectly and focusing on saving consistently, even when it’s small. This season is about building safety, peace, and breathing r

307 likes

Savings Accounts: Maximize your SAVING goals!

Whether you are in your 20s, 30s, 40s or beyond, having saving accounts for different savings goals is CRUCIAL! 🤔 Don’t know where to start?? 💵 Use a HYSA (high yield saving account) to maximize interest earned on money you keep in there). I use Marcus, but feel free to shop around. 🚑 Star

584 likes

A solid saving plan is the first step to financial freedom. Set your goals, automate your savings, and watch your money grow one step at a time. #SavingPlan #FinancialGoals #moneyaesthetic #moneylifestyle #financebabe

48 likes

Cutting your expenses: where to start? 🪪

Save this post for inspo on how you can cut your expenses! I’m all for spending money on things that make you happy, but we can totally do that and cut other expenses at the same time. Here are some tips on where to start when you want to cut some of your expenses so you can save more for you

39 likes

Saving Money Tips! ✨

Saving money is hard. It’s takes lots of discipline and self-control. And my god… I did not have that for years. After constantly throwing myself back into barely paying my bills, I finally found budgeting that works for me. Knowing where your money is going is important. There are budgeting apps t

198 likes

Grow into a rich girl by investing and saving 💎

Going from broke to financially free starts with small, intentional steps. Create a budget, pay off high-interest debt, and build extra income streams to speed up your journey. These three habits can completely change your financial future. Swipe to start making moves toward financial freedom today

93 likes

A person in jeans with a white quilted bag and a watch, surrounded by falling dollar bills and a lightbulb icon, with text overlay "HOW TO REDUCE MONTHLY EXPENSES!" and "SWIPE" indicating a call to action.

Four illustrated tips for reducing expenses: an 'UNSUB' icon for canceling subscriptions, a man repairing a chair for DIY repairs, a bowl of food for meal planning, and shopping bags for avoiding impulse purchases.

Four illustrated tips for reducing expenses: an orange juice carton for buying generic brands, coins and papers for creating a budget, receipts for negotiating bills, and an overflowing box for cutting non-essentials.

How to reduce monthly expenses

Reducing monthly expenses can bring a multitude of benefits, impacting everything from your immediate financial health to your long-term financial goals. By living within or below your means, you prioritize financial stability, ensuring you spend less than you earn regardless of your income level.

110 likes

Saving money made easy ✨

💵💵💵💵 Invest in yourself and your abilities so you can create opportunities to earn more money. You can budget yourself to death, but if your earnings do not increase, you live that existence forever. #letschat #financialplanning #finance #moneyhabits #lemon8challenge

67 likes

💰7 expenses that rich people avoid ✨💸💰

Most people think getting rich means earning six figures but the truth? It’s more about what you don’t spend. Cut the fluff, focus on value, and watch your bank account grow. If you’re serious about financial freedom, this is your sign to take control of your spending today. #BudgetLikeABoss

366 likes

Saving Smart on a Small Income

You don’t need a six-figure salary to build financial peace — you just need a plan that fits your reality. These simple steps show you how to save on any income, without feeling restricted or overwhelmed. Consistency > amount. Little choices add up quietly. #moneydiscipline #savingmoney #lo

258 likes

3 Essential Tips for Saving Your Down Payment 🏡

Dreaming of owning your own home? It's within reach! Follow these 3 essential tips to save for your down payment faster than you thought possible. At a high level, these 3 tips helped me purchase my first home in Los Angeles by 26! From cutting expenses to boosting income, and automating

24 likes

3 EASY steps to saving money 💰

Automate Your Savings: Allocate a portion of your paycheck to be automatically transferred to a savings account each time you get paid. It doesn't have to be a lot, consider starting with $25 per pay period. Track and Reduce Spending: Create a budget or use a budgeting app to help you track

55 likes

Secrets To Investing & Saving

@Welcome Baddies Follow For More Tips! • • • #financebaddie #lemon8partner #personalfinance #lemon8challenge #realestate #investing #financialtips #wealthbuilding #finance #MoneyTips

75 likes

✈️ Saving for travel or big experiences responsibly

You can save and travel you just gotta be mindful about a few things👇🏾👇🏾 - Set Specific Goals: Define your travel or experience goals, including destination, duration, and budget, to create a savings plan. - Budget and Prioritize: Allocate a portion of your income towards travel savings each

18 likes

Monthly expenses sheets

I created this form to help me reduce my spending since I see it I noticed how bad habit I had that everyday I use my debit card for something specially go eat out .I need to change my habit immediately or I will suffer later the consequences.

322 likes

How to budget when income is less than expenses

This is a hard conversation to have, but it’s the reality of most people. There’s no shame, but the conversation needs to be had. Whenever I do a clients budget and our income is less than our expenses, we try to come up with the solution to get you in a comfortable spot. Most of you guys do

213 likes

Saving Strategies

Saving money is like planting seeds for your future financial garden 🌱💰. It's not just about stashing away cash; it's about cultivating smart habits and nurturing your financial well-being. Here are some savvy saving strategies to help you grow your money tree: 1. **Pay Yourself First:**

31 likes

The image displays various US dollar bills and a beige patterned wallet on a dark background, with pink flower doodles. The text overlay reads "3 WAYS TO REDUCE EXPENSES" and "#moneytips," introducing the topic of saving money.

This image features US dollar bills and a wallet in the background, overlaid with a white text box. The text, titled "Coupon," advises looking into couponing, including digital apps and store coupons, to save money on groceries and household items.

Against a backdrop of dollar bills and a wallet, a white text box titled "Meal Prep" suggests meal prepping ahead of time. It recommends finding low-cost recipes to reduce grocery spending and eating out.

3 Tips to Reduce Expenses 🫶💰💸

Here are three ways to reduce your expenses! First is to start couponing . That is a broad term and I feel like a lot of people think of the old-fashioned way which is cutting out a lot of paper coupons and putting in a ton of effort. However, a lot of keep wanting now is all digital. There are

83 likes

9 Monthly Expenses you forget

Sometimes it’s hard to navigate life and with everything that we are juggling. But one of the biggest challenges is trying to manage finances. And in the process of doing so, we forget the things we wouldn’t even think to forget or remember for that matter lol. These are just a way to remind you of

91 likes

Saving101: Smarter Tips for the 50/20/30 Rule✨🌙

Trying to save more but not sure where to start? The 50/20/30 rule is a simple way to manage your money, but it’s easy to mess up without the right strategy. Here’s how to master it in 2025! 1. 50% Needs: Track Your Essentials • What are needs? Rent, utilities, transportation, groceries, insura

33 likes

Are you saving your money correctly?

Getting a HYSA at 18 was the best decision I’ve ever made. I’m making money just by keeping my money in the account! #money money money #hysa #finance #financialfreedom #financialpriorities

204 likes

Car Saving Money Tips 🚘🤑

I love to help my community save money and giving you guys tips to improve your life and finances. These money-saving car hacks into your routine, can help you reduce your car related expenses and keep more in your pockets. 🤑🚘 Regular Maintenance: Keep up with regular maintenance tasks such as o

51 likes

See more