Introducing easy ways to save money. Really effective. ✨

Introducing easy ways to save money. Really effective. ✨

can't save money Can't keep the money Like a bag, there's a hole inside. Symptoms like this, no matter who has ever been. what to do people have to eat Got the money to use it all. It's not strange at all.

Don't comfort yourself any more. There is a way to collect money!!! We just can't do that. Or you might not be saving money the right way. But just a moment later, I realized that I accidentally spent almost all of my money

Let's see if we can easy money collection But how does it work?

1. Start with savings

Many people think that savings or savings is the money left over from spending

Income - Expenses = Savings

That's right, but it's not a good starter idea for people who want to keep their money disciplined.

We should not look at savings as money leftovers. but should be viewed as cheap money “Categorize” that this is a particular savings account. For example, we will save 2,000 baht and we have a salary of 20,000 baht, meaning that we have to spend no more than 18,000 baht. The equation that we should start with should not be income - expenses = money left over for savings, but should be

Income - Savings = Expenses

or is that we should deduct the savings before and then spend according to the budget that has itself

There are many people who do not plan and allocate their money. Assuming that you have received 20,000 baht per month, then you should not spend more than this amount. When the number you have in mind matches your income It makes spending a lot and rarely has any savings left. But starting with savings will give us a clearer picture of exactly how much we should be spending per month.

2. Budget should be classified and prioritized.

From the previous point, it allows us to see the total expenditure budget after the expected savings. However, when actually doing Many times it doesn't actually pay as intended because it's often paid for. For example, paying for the food you want to eat the day before. Until forgetting to think that there are important parts that will follow at the end of the month, such as house rent, water bills, electricity bills, installment payments, etc., causing more money to be spent than the budget. The best way is to plan your expenses in detail. Set a budget for important regular expenses first.

From the survey of the expenditure budget (Using numbers based on survey results of the National Statistical Office) survey on the topic of household socio-economic conditions in 2016 found that households across the country have various expenses. in the household is as follows:

You can adjust your budget accordingly, such as reducing food costs, increasing education expenses, etc.

3. Make it a habit of taking notes.

According to a survey by YouGov in 2015, this survey found that Thai people have “Mysterious expenses” up to 72% of total expenses. In conclusion, one Thai person has an average weekly expenditure of 1,588 baht. This means that the mystery expenses that cannot be identified will be around 1,143 baht (more than a thousand baht per week). Most of the respondents believed that the cost was likely to come from the cost of food. consumer goods snack cost or buying luxury goods

Expense leaks and unknowns...this problem can be solved by making a habit of keeping track of your income and expenses. There are a number of income and expense apps available for both iOS and Android these days.

4. Food expenses... regular expenses that can be reduced

According to the information in the previous paragraph, food costs are one of the largest daily expenses. One way to reduce expenses is to save more on this cost. As for reducing food expenditures, there are some snippets like:

Cooking for yourself: Cooking for yourself is more cost-effective than buying food. especially if it is a family of many people The price per head will be more economical. and for working people who used to buy food at work to eat every day Try bringing your own food. For example, aim to bring your own food 1-2 days a week. It will help reduce food expenses.

Team Lunch: Most workers prefer to eat one-dish meals because of their convenience. Ordering a side dish to share is another way that not only changes the atmosphere but also increases the chances of saving money.

5. Reduce the cost of clothes

Turning things that you no longer use into pocket money including the clothes that are overflowing the closet Many people have a lot of clothes. but less than 50 percent of the total Research has said that Thai people buy clothes more than 3 percent per year. It's no surprise that the closet is overflowing. It is recommended that you give up and sell it. Or try learning how to DIY turn an old dress into a chic one. Including if bringing the clothes that have been paired well Change a lot and it looks like you have new clothes. all the time the same

6. Don't buy cheap clothes.

Another important point that will help seal the leak from the expense of buying clothes is choosing clothes that use good quality materials. Because when you buy cheap clothes that the fabric is not good. or the sewing is not good This will cause them to wear out quickly after a few washes. And it costs you money to buy new clothes again.

7. Don't go crazy collecting.

Collectibles are items of sentimental value. however Anyone who is a collector is always full of spilled expenses. If you don't stop yourself If you look back, you might find that the house is full of collectibles. But the money in the account is empty. A survey found that Thai people like to fly to buy brand-name products from abroad for a huge number. Check yourself to see if you're one of those people who likes to keep expensive brand names in the showcase. Collect some and sell them when the price goes up. in order to maintain financial balance

8. Choose a good interest bank account

Try to make fixed deposits or invest in mutual funds to generate more returns from regular deposits. Automatic direct debit form It can create discipline in saving as well. So you don't have to worry about whether or not you've saved money this month. This way it's easy to reach your savings goals as well. Read more in our Savings and Regular Investments article.

9. Don't have only savings.

Try a fixed deposit or direct debit investment to create savings discipline. So you don't have to worry about whether you have saved or deposited money into the bank this month or not. This way it's easy to reach your savings goals as well. Read more in our Savings and Regular Investments article.

10. Register for special privileges

Many stores offer special privileges when we go shopping. Please do not neglect these rights. Because maybe you'll get a gift check, a nice gift certificate that saves a ton of money. In addition, you should follow the fan page, website that keeps updating the discount frequently. in case there will be interesting promotions popping up for you to shop

In this era, there is Mobile Payment or mobile payment. It is another way to make shopping when you find a good promotion easily, which if used rationally. You will find many special privileges such as good promotions from Krungsri Gift easily, no need to accumulate points. have the benefit back

11. Buy quality appliances.

Pay a lot, pay hard Pay less, pay easily, but the small amount that can be accumulated together can form a large sum of money.

Good appliances will last a long time. So you don't have to spend money to change new ones often. It's a big item that should be invested for comfort. And should be aware of energy saving as well. Because saving on electricity bills can help refund money in your pocket.

12. Cancel unused subscriptions.

If you have to pay to become a member in many places because you intend to use the service often but rarely use it. For example, a fitness club that has signed up because they want to have a good figure. Remember that you can renew your subscription later. If not really You can cancel first.

13. Stop using credit cards. 'Prepaid without the need'

'Credit card debt' arises because of shopping complacency Buy first thinking that you still have time to make money to pay later. or have enough money in the bank But because of the convenience of the credit card, it can be used more than the budget set. until the amount of money was not reached the goal

14. Enjoy simple entertainment

shopping mall trips Or going outside will bring so many temptations that you will pay more than you intended. Try having a day where you can create happiness and simple entertainment at home, such as listening to music, watching television, reading a book (which we usually buy and can't finish reading) as another little technique to cut expenses. entertainment However, you should also look at the suitability and preferences of you and your own family.

15. Use some public transport.

Taking public transport can save you a lot of money. And it also helps save energy instead of driving a private car. Or try to buy a monthly pass for the trains, buses, and you'll find that the fare is even cheaper.

16. Don't just save money.

Savings are good. You should set goals for short-term savings, such as saving 300 baht or more per week. It will make you feel too heavy and encouraged to save money. And should plan for retirement as soon as possible. Don't just work every month. It's a good idea to invest in some funds for the future.

17. Use the 24 Hour Rule and Comparison

When you want to buy high-priced items Let's go home and reflect for another 24 hours, then come back and buy again. Because by that time, they might not want it anymore. Or try calculating the price of things to buy. Compare that to the amount of daily compensation you earn for your work.

For example, a pair of shoes costs 5,000 baht, but your salary is 20,000 baht, working 22 days a month equals 20,000/22 = 909 baht, so buying this pair of shoes is equivalent to having to work in exchange for 5.5 days. Compare it to its cost-effectiveness.

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