Revealing savings methods for working-age people who want to keep their money.
These days, no matter how long we have worked or how much our income has increased, many people still feel that their savings have not increased at all. This article will take you deep into the main reasons for not having savings, along with introducing savings techniques that can actually be done. You don’t have to wait for a salary increase to start right away.
Why don’t I have any savings even though I’ve been working for a long time?
Before we get to how to save money, let’s explore the 5 behaviors that often cause money to disappear from your account without your knowing.
- Always save later. When you get your salary, spend it first, then save if you have any left over.
- Not separating accounts, expenses mixed with savings, no way to know how much is spent and how much is saved.
- Spending money on impulse, shopping due to stress, buying unnecessary discount items
- Not having a clear financial goal and not knowing what to save for, resulting in a lack of motivation
- There is no record of expenses, so we don’t know how much the small expenses add up to.
Techniques for saving money that you can do right away
1. Always save before spending.
As soon as your salary is deposited into your account, deduct 10-20% from your savings first, then set aside the rest for spending. This สมัครสมาชิก UFABET วันนี้ รับเครดิตฟรีทุกวัน method of saving helps you practice discipline and makes your savings grow steadily without feeling like you are forcing yourself.
2. Use a 3-account system to clearly divide your money.
- Monthly expense account
- Savings Account
- Investment or emergency account
This gives you a clearer picture of your finances and makes it easier to control your spending behavior.
3. Set clear and tangible goals.
Clear goals, such as saving up to buy a condo within 5 years or having 100,000 baht in reserve by the end of the year, will motivate you to be more disciplined and feel motivated to continue.
4. Use a savings app
Nowadays, there are many applications that help make saving money easier, track expenses, summarize remaining money, and create automatic savings plans, such as FlowAccount, FINNOMENA, or MAKE by KBank, applications that help with money management.
5. Invest to grow your money.
When you have your first savings, don’t just let it sit in your savings account. Try learning about simple investments like mutual funds, DCA, or high-interest fixed deposits to make your money work for you.
Change your perspective. Start saving money today.
No one gets rich by working alone. But those who plan their finances well and have discipline in saving can create more stability. Saving money is not difficult. Just start with small steps, such as saving 20 baht per day or recording expenses for 5 minutes per day, which is enough to gradually change your financial life.