Talking to each other from working age to retirement age that all the money was paid out No matter how much money you make, it’s not enough to pay. Can’t find money in time Earn money, never have money to save.
Every working person wants a high salary, a lot of income, at the very least, get a salary that is enough to spend the whole month, with a little left over.
But the current social situation Workers’ lives have things that cost money. cost more which although it is an important expenditure But that doesn’t mean that will change.
Or can’t reduce expenses, such as the minimum credit card payment in each month, the payment of goods, mobile phone service fees. internet fee Beauty treatment fee – purchase cosmetics
Fitness expenses, gas expenses, these expenses is paying for what ‘It may not have to, has to, or has to’, but it’s still better than spending on useless things like money, cigarettes, lottery tickets.
Or expenses for various angles, how much salary is enough to meet the demand is a world problem for workers. Many people earn more than when they started working.
But still not enough to spend, not enough to pay off debt, look back in the past. If we do not incur debt especially credit card debt to buy things easily By now, there must have been a lot of savings.
If a worker like you pays the bills for cigarettes each day. As much as the daily expenses, especially the cost of rice, if you refrain from drinking, refrain from smoking each month There will be double the money for rice ever!
If you earn thousands Or the first ten thousand, but buy expensive clothes and accessories to wear to work Using tens of thousands of mobile phones that still have to pay off, drinking almost a hundred cups of coffee
Even if it’s the happiness of working people, it’s a reward for working hard. But the suffering of having to pay or in debt will follow later in this behavior and lifestyle.
As a result, most of the working people are in debt. Even people who work with high salaries but poorly manage their income. I don’t have any money left to collect because most of them get a lot of money and spend a lot as well.
This is something that has to do with people’s aspirations. As a child, you might think that having only 1 million baht is considered rich.
But when growing up, 1 million baht may be a very small amount in your eyes. That’s because the passion has no end. The more people grow Desires are even more and more. ‘The state and status you have to make an image of society’
So no matter how much you have, it’s not enough. because of increased demand Let’s consider that at the beginning of work life. You may only earn thousands. or tens of thousands
from income that is enough to live in one month When you have more and more needs The income was insufficient. have to rotate monthly salary After that you will start to think that if the salary is thirty thousand baht.
It should be enough to live comfortably, but when your salary reaches thirty thousand. returned to the original behavior Thirty thousand that I thought was enough In the end, it wasn’t enough.
from ever thought ‘No matter how much you spend, it’s not enough’, trying to change to ‘I want to save as much as possible. until you feel that how much you save, you still don’t save enough’ or can create debt
But must be ‘debt for the future’ saving money with life insurance and deposit money with the bank will be comfortable when old Or have money saved in the event of an emergency or an unexpected event.
Always assess your salary or other income first to allocate your salary in portions. Think about what you should pay and how much so that you will know that you pay each month until there is nothing left to eat.
Any part of the expenditure that is not necessary is gradually cut off. Spend economically. If you save for 1 year, you can get about 8 ten thousand. Save for 3 years to be 2 hundred thousand and 4 thousand.
During that time, they may go to the bank, invest, they will have more money to collect. Even in the future, the price of appliances will increase You don’t have any trouble. If compared to people who have worked for the same 3 years
But there was not even a single baht in savings. Most importantly, you will have a reserve for sleeping still for emergencies such as getting sick or having an accident that prevents you from working anymore.