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ปุ๋ย สุวรรณี
ปุ๋ย สุวรรณี

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# Money savings bag

2025/9/29 Edited to

... Read moreถ้าใครกำลังหา “กระเป๋าออมเงิน” หรือ “กระเป๋าแยกเงิน” แบบที่เปิดแล้วเห็นเงินเป็นหมวดๆ ชัดๆ เราว่าแบบที่เป็นกระเป๋าใส่ซองใส 12 ซองคือเริ่มต้นง่ายสุดค่ะ เพราะมันช่วย “บังคับตัวเอง” ทางอ้อม เวลาเราจะแบ่งเงินแต่ละหมวด เราจะเห็นเลยว่าหมวดไหนเหลือน้อย/หมวดไหนยังพอมี ทำให้หยุดรูด/หยุดใช้เพลินๆ ได้ดีมาก วิธีที่เราใช้กับกระเป๋าออมเงิน 12 ซอง (ตามที่ร้านจัดมาให้พอดี) คือกำหนดชื่อหมวดไว้ก่อน แล้วค่อยยัดเงินตามแผน เช่น - ค่าอาหาร/กาแฟ - ค่าเดินทาง - ค่าของใช้จำเป็น - ค่าบิล (โทรศัพท์/อินเทอร์เน็ต) - เงินออมฉุกเฉิน - เงินเป้าหมาย (เที่ยว/ของที่อยากได้) - เงินทำบุญ/ให้พ่อแม่ (ถ้าใครมี) ทริคสำคัญ: อย่าตั้งหมวดเยอะเกินไปในช่วงแรก ถึงแม้จะมี 12 ซองใสก็จริง แต่ถ้าเพิ่งเริ่ม แนะนำเริ่ม 6–8 หมวดก่อน แล้วค่อยเพิ่มทีหลัง จะได้ไม่รู้สึกยุ่งยากจนเลิกกลางคัน อีกอย่างที่ช่วยให้เก็บเงินได้จริงคือ “กำหนดรอบเติมเงิน” ให้ชัด เราใช้แบบเติมทุกวันเงินทอนหรือเติมสัปดาห์ละครั้ง (เช่นทุกวันอาทิตย์) แล้วจดจำนวนเงินใส่กระดาษเล็กๆ แปะไว้หน้าซองใส หรือเขียนยอดรวมไว้ จะเห็นความคืบหน้าไวมาก ยิ่งเห็นยอดเพิ่มยิ่งมีกำลังใจออม สำหรับคนที่ชอบใช้เงินสดปนกับโอน แนะนำให้ใช้กระเป๋าออมเงินเป็นตัวคุม “เงินสดสำหรับใช้จริง” แล้วให้บัญชีธนาคารเป็นก้อนออมหลัก เช่น เงินเดือนเข้าบัญชี → โอนออมก่อน → ค่อยกดเงินสดตามงบที่จะแบ่งใส่ซอง วิธีนี้ลดโอกาสใช้เกินตัวได้ดี ข้อควรระวังเล็กๆ จากประสบการณ์: ซองใสบางแบบอาจไม่ทน ถ้าใส่เหรียญหรือพับแบงก์บ่อยๆ ให้เน้นใส่แบงก์และหลีกเลี่ยงการดึงแรงๆ และอย่าลืมเก็บกระเป๋าไว้ที่ปลอดภัย เพราะมันเป็นเงินสดทั้งหมด โดยรวมเรารู้สึกว่า “กระเป๋าออมเงิน/กระเป๋าใส่เงินแบบซองใส 12 ซอง” เหมาะมากสำหรับคนอยากเริ่มเก็บเงินแบบเห็นผลเร็ว แยกเงินชัด คุมงบง่าย และทำให้การออมเป็นเรื่องที่สนุกขึ้นจริงๆ ค่ะ

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A savings challenge tracker titled "$500 In 30 Days Savings Challenge." It features 30 heart-shaped icons, each containing a dollar amount ranging from $2 to $36. The hearts are arranged in a grid, providing a visual guide to save $500 by marking off each saved amount.
💰 $500 in 30 Days Savings Challenge 💰
Are you ready to boost your savings in just 30 days? Join me in this exciting challenge where we save $500 together! Here’s the plan: 1️⃣ Week 1: Save $5 each day = $35 2️⃣ Week 2: Save $10 each day = $70 3️⃣ Week 3: Save $15 each day = $105 4️⃣ Week 4: Save $20 each day = $140 5️⃣ Final Pus
IAMSASCHAT|UGC

IAMSASCHAT|UGC

757 likes

$500 Savings Challenge
Here’s your guide on saving $500 in 25 days!! Make sure to save or screen shot the tracking chart I made for you! 🤳🩷 To save $500 in 25 days, you just need to save $20/day. Easy! Here’s some ways you can do that: - Skip the drive this - Work an extra hour - Ditch excessive tip cultu
Annelisa

Annelisa

498 likes

Savings challenge✨💵
Very late in posting life has been so crazy! This work week is from June 11th (not pictured) and then June 18th -June 22nd. It was a slower week at the bar but still had a good turn out to fill out my chart! Thinking about creating something different only because the higher numbers are get
Madison Lee

Madison Lee

2055 likes

How to save and let your money build up 💸
Being that girl includes being financially smart 💅 Here are 8 realistic & aesthetic ways I’ve started saving more while still living my soft life. From cute budget trackers to no-spend challenges that actually work—let’s secure the bag without sacrificing the vibe 💖💼 #expensivelifestyle #ric
_444mriah

_444mriah

50 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
LindsQpons

LindsQpons

583 likes

A flat lay shows a $5 dollar savings challenge tracker with some circles colored, several $5 bills, and two 'One Month Ahead' savings trackers with various amounts, all on a red and white plaid blanket.
Started my money savings challenge 😊
You can always start small. But the true goal is to start. You can purchase the budget envelope from Amazon or just use a regular mailing envelope. I found mine around the house but it definitely came from Amazon. As for the challenges: you can find so many online for free that you can just pri
Goddess of Sunflower

Goddess of Sunflower

114 likes

Money Savings Binder 💴
Create a binder, label envelopes, E V E R Y PAY DAY Be sure to add some money to those envelopes! Let’s save money this year 2024 no more mindless spending sis we ain’t doing that !!! #money #MoneyTips #moneysavingtips #finance #financialtips #savingschallenge United States #newye
N I C O L E 🍒

N I C O L E 🍒

12 likes

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