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ออมสบายสไตล์แม่ปุ้ย897

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Saving expenses

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

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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

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