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สติและสตางค์ By รภัสศา
สติและสตางค์ By รภัสศา

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"Because" happiness "is important on the way...Plan to allocate money from today to provide our future.

"Because" happiness "is important on the way...Plan to allocate money from today so that our future can live in a way that we like. "

This kind of leisurely holiday, taking yourself to rest in a good atmosphere, letting go of the calm corner, taking pictures, playing, relaxing, is a reset of physical energy and energy after a week of work. 🤍✨

For the "New Graduation" or First Jobber, who are just starting to move into the working world, this is a very exciting time. We started earning our own income, started taking responsibility for ourselves, and started to have the freedom to design our lifestyle the way we wanted.

I want to say that...Taking yourself out on a journey to find new inspiration or reward yourself is not a luxury, because the experience along the way is important to growing up.

But so that we can go out and live and find the program comfortably in the long run, having "consciousness" start allocating the first salary from today is what will help protect your "satang" and your dreams as much as possible. ⏳

Let's use the simple money allocation formula. Balance life together:

💰 3 Basket Silver Divot Formula ()

50% for basic necessities (Needs): Lock this part up for eating, travel, water, electricity or routine expenses that we have to pay every month. 🏠🚌

30% for Living and Experiencing (Wants): This part is the quota for your happiness, whether it's travel, shopping, special meals or wishings, so that we can still enjoy life fully without guilt. 🛍️📸

20% for Savings & Protection: Separate, collect immediately after salary, before dividing to other parts

Top 10%: Accumulated as an emergency reserve, provided for use in situations where necessary.

10% Back: Build a self-protection shield, such as accident insurance or health insurance. The first book. Because the new graduate, the collection is still limited. If unforeseen or sudden illness occurs, we will have insurance to support the medical expenses without retrieving all the intended savings.

Good financial planning does not mean that we have to refrain from happiness today, but is to prepare ourselves so that we can grow into stable adults and live in a way that is freely and truly happy. 🌿

🌟 Which of you is starting to plan your first money or would like to recommend your first insurance plan with a cute pawn and a good bag? First Jobber, please ask in the box to talk to each other in a friendly way. Welcome and be friends for everyone. 💬✨

https://line.me/ti/p/~kopipapa

Full loyal (Sa)

Number: 083 891 6785

Website: https://www.prakan-untold.com

TICK: Consciousness and Satang By Rabhassa

tiktok.com / @ .by 72577

# Consciousness and Satang # Financial adviser # # New ending child # FirstJobber# First salary # Money planning # Saving # Lifestyle # Vacation

7/1 Edited to

... Read moreผมขอแชร์ประสบการณ์จากการเริ่มต้นทำงานและการวางแผนการเงินในฐานะเด็กจบใหม่ที่เพิ่งเริ่มรับเงินเดือนเป็นครั้งแรก ช่วงแรก ๆ ที่เริ่มมีรายได้ การแบ่งเงินออกเป็นสัดส่วนตามสูตร 50-30-20 ช่วยให้ผมใช้จ่ายได้อย่างมีสติ ไม่ฟุ่มเฟือยเกินตัว โดยที่ยังมีความสุขกับไลฟ์สไตล์ที่ชอบ เช่น การเที่ยวและช้อปปิ้งในงบที่กำหนดไว้ ทำให้ไม่เครียดเรื่องการเงินเลย ส่วนที่แยกไว้สำหรับออมและความปลอดภัย (20%) ผมเน้นเก็บเงินสำรองฉุกเฉินไว้ก่อนประมาณ 10% ของรายได้ และอีก 10% ใช้ซื้อประกันสุขภาพและประกันอุบัติเหตุที่เหมาะกับวัยทำงานครั้งแรก ประกันเหล่านี้ช่วยลดความกังวลเวลามีเหตุไม่คาดฝัน ไม่ต้องไปแตะเงินออม เพราะได้มีเกราะป้องกันค่าใช้จ่ายด้านสุขภาพแล้ว การกำหนดเป้าหมายการเงินตั้งแต่ต้นช่วยให้ผมมีวินัยทางการเงินและรู้คุณค่าของเงินแต่ละบาทมากขึ้น สอนให้เห็นว่าความสุขไม่จำเป็นต้องมาพร้อมกับการใช้เงินเกินตัว แต่ควรเป็นความสุขที่สมดุลระหว่างวันนี้และวันข้างหน้า สุดท้ายสิ่งสำคัญคือ การมีสติและการวางแผนอย่างต่อเนื่อง บางครั้งอาจต้องปรับสูตรจัดสรรเงินให้เหมาะกับสถานการณ์ของแต่ละคน แต่ถ้าระวังเรื่องการใช้จ่ายและเก็บเงินตั้งแต่วันแรก ๆ จะช่วยให้เส้นทางชีวิตวัยทำงานมั่นคงยาวนานจริง ๆ ครับ

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