🎓 Students must survive! How to manage money, not to end the month as if to die. "

Hello, all the students, Tankto, would like to talk directly that...

Today, the cost of living is not "expensive," but it is inconsiderate of the money in our account.

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A dish of rice from 35 to 50.

Coffee from 45 to 70.

Shopping apps from "just watch" to "accidentally press pay."

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Many people get money from their parents 4,000 - 6,000 - 8,000 a month.

But not until the end of the month, the money asked for a way out of the account. 😅

Today, Nong Tan has grown up, so I would like to invite to reorganize the student money system without stress, without forcing life, but actually survive.

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🧠 Step 1: Know where our money went.

A simple question, but most people can't answer it:

"What did you spend the most money on last month?"

If you can't answer it, we are using "unconscious" money.

Try this enough:

• Open the banking app

• After one month

• 3 things that spend the most money

Most will not escape:

• 🍔 Food / Delivery

• 🛍️ online shop

• ☕ Cafe / Milk Tea / Coffee

That's what we're starting to see.

"Our money does not run out because it is only necessary, but it runs out because of accidentally."

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💸 Step 2: Divide New Age Student Money (Survival Formula)

Let's say it's 6,000 baht a month.

Let's divide it like this:

• 60% = routine expenses (eat, travel, phone) = 3,600

• 30% = arbitrary use (travel, shopping, coffee) = 1,800

• 10% = savings = 600

Many people will say, "It's hardly enough to save again?"

Nong Tangto honestly said that if you don't practice saving when you have little money, you don't save either.

600 Baht per month

1 year = 7,200 baht

This is "the first emergency money in a student's life."

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🛑 Step 3: Watch out for 3 money suckers.

Today, students encounter more "financial traps":

❌ 1. Relax of "not needed"

Mobile is still available, but the new model is relaxed.

Income is not yet available, but there is a monthly installment.

❌ 2. Swipe first. Think later.

Some people are starting to have student wild cards / wallet installments.

Use to enjoy, but forget, "This is future debt."

❌ 3. Use money to not feel hurt.

Friends eat this shop. We eat.

Friends, we go.

In fact, the money in the account was crying.

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🌱 Step 4: How to start "investing"?

The answer is straightforward:

If there is no reserve → No rush to invest

What should be invested first is:

• ✅ Invest in skills

• ✅ invest in knowledge

• ✅ Invest in yourself

If you have a small sum of money, start with:

• Low-risk mutual funds

• Or regular savings

Don't start from:

"Friends say this one is good."

"See in Tikis that profits are fast."

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✅ Summary like Nong Tonto

Students don't have to get rich fast, but they have to survive.

Remember these 4:

1. Know first where the money has gone.

2. Divide the money into

3. Don't rush to create debt.

4. Create savings habits before investing habits

👉 What kind of person are you now?

A) Money bumps every month.

B) Enough to stay, but never left.

C) Savings are starting.

D) There is already the first collection money.

Comment to tell the big money. 👇😊

# Knowhow # Thai Credit Bank # ThaiCredit # Saving money # Finance