It's time to stop believing.. save money for the future.

I'm not a financial guru, life coach or anything.

I am just a former person who has worked in a financial institution for a long time until retirement and dare to say that I am a representative of salaried people. who did not have a wealthy family to help Working and earning a salary, you have to rent a house, you have to buy food, like normal people. Had a problem with saving money in the early days of working....and learned that not having money in reserve in case of an emergency How difficult is it?

I have faith that The fact that we rarely save is because we have been taught or have a way of thinking that Having to set aside money that can be found today in part It's for future expenses. When your ability to earn income decreases or you no longer have income.

Having said that it is about the future Many people said that…. For a long time, the need to spend came out of nowhere and filled everything.

Have you ever listened to a radio program? One item said More than 60-70% of office workers have month-to-month incomes or not enough to cover their expenses. Most of them use money to spend from their future income. (not saving money for the future) with a credit card limit personal loan Some people go so far as to borrow money outside the system with cruel interest rates. Demand money fiercely to be ashamed

And you can see from household savings that are an important foundation. to national investment It has been a chronic problem for a long time and seems to be escalating day by day.

Or some people might argue that they know. But there are necessary expenses. Month after month is hardly enough.

I wouldn't want to intrude and belittle anyone's need for spending money or saving. Because people's needs are not the same, they are not equal, but I believe that there are still many people of working age. There is frenzied spending, not cutting or separating, reducing, and eliminating all spending that seems necessary. Because of the belief that The future is far away.

Confessed with a happy face, I used to be a person who couldn't keep up.

But luckily one day Someone asked the question: What if tomorrow there is no work or salary? How much of your own reserves do you have? Simply put, do you have any savings?

So I'd like to ask this question. Ask all readers as well.

We don't count those who are wealthy and can use their parents' ATMs at any time. We only include people's children. Let's gather together here.

Someone once jokingly said, "Oh, if I had no income tomorrow, I would probably be able to live comfortably for a day or two." Then you must die.

Seriously, it's probably not funny. I believe that we all have been through the cruelty of Covid -19 in the past 3-4 years.

At the beginning of 2019, many people will not forget the experience. that used to have ordinary days that were not the same

From having a good job or having a business that used to trade Money is in your hands.... The company where you work has to reduce people, close departments, or even liquidate the business. Everyone is hurt.

Asked: Could anyone predict that day? It will have an impact in many dimensions. To all mankind, the economy is at a standstill with a brake on its head. severe and continuous for a long time

Many people seem to stumble and fall and hit their face on the ground. They get up and are confused. What happened?

Used to have income flowing in and then spending it in circulation. The word "save money" for future use. It's probably not something to think about. As for having money reserved for immediate emergencies, Perhaps no one has ever asked themselves this question before.

What has happened? Let's learn. It has happened before. That doesn't mean Nothing like this will happen again today or tomorrow.

In fact, in doing business in this modern era, there is one word that is very important and has an effect on how things happen. The location and disappearance of that business is the word risk.

During my life when I was still an employee Work in a business organization will be questioned and forced to think ahead To prepare a plan to deal with uncertainty or risks that will occur. Whether the risk comes from a disaster or a crisis of faith in the organization. Political conflicts, etc., if they occur, they affect business operations. What action plan must be in place? Because waiting for it to happen and then not being able to think about it or think about it as something in the future There's no need to hurry and think about it. This is not the case either.

It's called Crisis Management, managing in times of crisis. And there must be an action plan named BCP Business Continuity Plan. If a problem arises, who must do what? How to solve problems, not stand confused or run into chaos.

It's easy to think of anyone who works in an office. Must have practiced fire escape like that.

Someone said it was an unexpected event. It probably won't tell us in advance when it will happen or how severe it will be and how big of an impact it will have. And what has happened? That doesn't mean it won't happen again.

Seriously, during the lifetime of the Baby Boomer generation or Gen Tom Yum Kung Crisis In 1987, the value of the Thai baht Soared negatively, exceeding 1997 baht per US dollar. And after another 50 years, there was the problem of non-performing loans, Subprime Mortgage Crisis, which Thai people call it. Hamburger Crisis

But past events are said to have affected only certain groups of people. What's a little tough is the group of people working in the financial industry. Even if it has some effect on innocent bystanders. But other industries and global markets are not all bad. Seriously, use the word A crisis occurred with some groups of people. There are opportunities with other groups of people as well. And it happened a long time ago. When the world spins fast People forget and think that if tomorrow there is no salary or income, how will they live?

And even more so in the society of young people in the new era who give importance to one life, live it... It's a must-have item, or if you want it, you have to get it... Buy it first, just think about it, then don't buy it..... Japan is a must-go, Europe is beautiful, bags and clothes. ...Good price. No F (Confirm) online shopping. Have fun. Credit card with full credit limit. Cash card, etc.

Everything is necessary. Cut anything to save a little bit.... put it aside first because saving is a matter of the future. Maybe just kidding, it's similar to what teenagers like to say. Make merit and be beautiful in the next life Make a beautiful face in this life

Let me repeat that. I didn't say People who don't collect money Spending extravagantly and extravagantly, all because they believe that there are people who are in a state of Excited with income and expenses each month.

But I also believe that There are many people of working age. Those who are in the mode of cutting expenses in order to save can't.

At the beginning of 2019, I believe no one knew that the virus, initially called the Wuhan virus, would become so severe and halt every activity. Dimension of humanity. Even at the end of 2018, news of the spread began to increase, but everyone thought that it was probably limited, like other diseases. that this world has ever encountered...until it became Pandamic covid 19. Everything had to stop. Stumbled and fell on his face and recovered.

Expenses that were thought to be impossible to cut...don't even think about cutting them anymore...

Think of the words of someone who said If you spend money to buy unnecessary things One day ahead You may need to sell essential items.

Don't wait for an event like that to come.

Please try adjusting your way of thinking. Change from thinking that saving money is for today and tomorrow, not for the future…. Because today, right now, if something unexpected happens, there is no work, no income like before. How to live?

As for people who have spent money There is an excuse that it is necessary.. what is it really necessary? Because I believe that the events during Covid 19 probably taught us that Spending on many things in life You can cut it off.

Once time has passed, it cannot be turned back. Many people realized that If I could go back in time and restrain myself, not buy, not spend on certain things in previous days, and save some money in reserve, it would be better.

Seriously ask yourself: Do you have a financial action plan for survival? If so, how can you survive? How? …… What does our financial BCP look like?

You've heard this proverb, right?

What do you know? Don't fight...know this.....

Ask for the power of intention to reduce, stop, and stop spending on certain things. Switch to saving To use if necessary Conquer the desire to have things that are not important to your life.

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