Think for fun

💳 Suppose...One family. 👨‍👩‍👧‍👦

My father, my mother, worked at a big company, earning $140,000 a month.

Two children, grade 6 and grade 3.

Grandma's eyes are in the same house.

Grandfather, Grandma. In the province.

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💰 revenue.

Total salary 140,000 baht

💸. Expenditure.

🏠 home installment 18,000 baht

🚗 2 cars, 20,000 baht

👴👵 send money to grandparents for 5,000 baht.

🍚 Other regular expenses

Water, electricity, internet

Food, children go to school.

Car fuel (EV, also eat more light) ⚡

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🧾 use credit cards "wisely" (think...)

Intend to repay 0% without interest at all

✈️ 11,000 x 10 installments of the Japanese tour (back and forth, 5 installments remaining)

🌌 saw the European Pro Tour. The fire was super cheap, 0% installment, another 10 installments - "Great value!"

(But...Is that necessary? Is the emergency reserve collected yet?) 💭

📱. New cell phone.

I just relaxed.

I have two.

You have eight installments left.

(Mobile release every year...Take it first, installment later)

💆‍♀️ Mom Walk Through Beauty Clinic - More 0% Relaxation Pros

Arranged for 60,000 baht. "Beautiful, light, but the money disappeared." 😂

🏫 baby tuition - swipe the card. That's good!

💻 The eldest child to study architecture requires a strong computer - $100,000.

0% 10 installments as well...It's starting to feel "taut." 😬

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💥, and the unexpected came.

👵 Grandma's brain capillaries.

No health insurance, no reserves.

Use your credit card to swipe first, pay later. 💳

Also have to press the cash card to help again

🚗 Heavy rain. The car's off the middle of the way. Gotta call the slide car. - No more cash.

Use a cash card to pay for the repairs. 😩

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💔 At first, "Just taut."

Now..."Full of every limit."

Start paying the minimum. Interest starts walking. 😱

🏠 slow home installment. Fixed interest is out of eligibility.

More had to be paid every month, but the debt tree was slowing down.

The debt cycle began to spin out of control...

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🧠 Credit card...He has studied

Over 90% of people use credit cards.

Finally...It cost him interest. 🏦

Because "the carrier is not charitable," she 😅

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📌 Debt...Not guilty.

Because something has to be like a house, a car, 🏡🚘

But to remember,

"Of course is uncertainty." ⚡

Don't overflow debt in a short time.

Because emergencies always happen.

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💡. Simple thinking.

✅ of "necessary" to buy, buy.

⏳ of "necessary but not urgent." Wait to be ready.

💸 of "want."..But not necessarily, "cut some.

Because of it...There's no need for everything. 😌

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💚 Epilogue

Don't be upset when others have good things. Luxury travel. Look rich.

And we don't have 💬

Because that means

You're "sane" enough not to fall into the "0% installment trap." 👏

Life doesn't have to be luxurious for anyone to see.

Just be comfortable. Don't spin the debt. It's a lot happier. 🕊️

💬 "Value the core of life.

More than a shell that looks good in other people's eyes. "

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🩵. Leave it to think...Always with good wishes, sir.

# Financial planning # 0 percent installment trap # Life doesn't have to compete with anyone