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If you want to read an amazing article on how to get your finances in order, read the article, “Manage Salary Bump Months. Can’t Keep Up with the Money, by Krungsri The Coach, CFP.” In this article, you will find out more about expense management approaches to “keep up with the money”; always keep reserves ready; insurance; reduce unnecessary expenses; earn extra income in addition to regular income; don not rely on informal loans; finding the right loan; and priority to properly repay debts. Find out more by going to the Krungsri website https://www.krungsri.com/th/krungsri-the-coach/life/good-life/salary-management-2023 to read the article. You will be happy that you did!

Now that you know more about the article, “Manage Salary Bump Months. Can’t Keep Up with the Money, by Krungsri The Coach, CFP.”, let’s talk about the best way to live on a budget and manage money. The best way to live on a budget and manage money is to set up a plan and stick to it. If you do, you can achieve your financial goals, whether they are paying off debts, saving for a rainy day or investing in your future.

The first step is to track and categorize your expenses, so you can get a sense of where you’re spending your money and where it might be easier to cut back. Use a spreadsheet or even a journal to keep track of your finances, and make sure to write down all of your expenses, no matter how small. Split your expenses into three categories: needs, wants and savings. Needs are things you need to pay for on a monthly basis, like rent or mortgage payments, insurance, groceries and utilities. Wants are more discretionary, and can include things like a new pair of shoes or a night out on the town with friends.

Once you know where your spending is going, start to cut back. This can mean cancelling a gym membership that you rarely use, prepping meals at home or cutting down on your coffee habit. You can also try searching coupon sites for discounted goods and services in your area. For example, if you want to go to a local comedy club, you can search for a promo code or discount deal on a website like Groupon to save money on the experience.

Using the 50/30/20 rule as a guide can help you find a balance between your needs, wants and savings. This ratio is based on what most financial experts recommend, but it’s not set in stone and you can adjust it to fit your lifestyle. Needs are essential, but they shouldn’t be the only thing on your budget. Similarly, you should never be so tight on your savings that you can’t afford to buy something you really want. If you can’t get your hands on enough cash to cover a big purchase, it might be time to revisit some of your fixed expenses, such as car insurance or cell phone service.

Once you’ve figured out how much you need to live on each month, create a budget that fits your lifestyle and priorities. You can use an online spreadsheet or a simple paper notebook to keep track of your finances, and you can save your information so that you can come back to it at any time. It’s important to remember that your budget will change as you grow and achieve your financial goals. This might mean adding new costs if you get married or move into a house, or it might mean adjusting your priorities in order to stay on top of your bills and debts.

Once you’ve got your budget in place, be sure to check in regularly and see how it’s working for you. If you’re not sure where your budget is at any given time, a quick five-minute review can point you in the right direction and allow you to เดือนชนเดือน re-evaluate where you’re spending money and what you need to cut down on. Now that you know more about the best way to live on a budget and manage money, it is time to go back to the Krungsri website by using the link above.