The advantage of being an office worker is that an office worker earns quite a stable income every month. This group of people is, thus, able to plan their expenses easily. However, many take this stable income for granted and fail to “expect the unexpected”. By the time they realize, it might be too late.

These are the things that many office workers would want to do the most if they could turn back time.

1. Part of the salary earned, save it into a savings account.

Every working person has the right to have savings. They just have to consistently save part of their earned income and spend after they make sure they saved some. It does not really matter on the amount they save every month, but if they have a goal of how much they want to have in their savings account per year, it would be a lot easier to picture and plan the amount they have to save. This sum of money is different than a salary account. Do not use the money saved here for investment or spend on miscellaneous. Only spend it in time of emergency.

Every working person has the right to have savings. They just have to consistently save part of their earned income and spend after they make sure they saved some. It does not really matter on the amount they save every month, but if they have a goal of how much they want to have in their savings account per year, it would be a lot easier to picture and plan the amount they have to save. This sum of money is different than a salary account. Do not use the money saved here for investment or spend on miscellaneous. Only spend it in time of emergency.v

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https://www.scb.co.th/th/personal-banking/deposits/fixed-deposit-account/fixed-deposit-account.html

2. Save some for the parents. It is equally important as the first point.

Knowing how to save, one should also know how to spend. Therefore, the remaining amount after saving should be given to parents. This would not need much explanation because every working person would be able to feel the importance of this money. The more one gives the more one gains.

3. One suitable credit card will be easier to plan expenses.

As office workers receive income monthly, applying for a credit card is not difficult at all. They do not even have to apply for themselves, there will be calls to persuade them almost every day. It all depends on whether having a credit card will aid office workers in their daily life or not. For example, one normally has to pay for internet fees every month. If they pay via credit card, they will gain points, cashback, or discounts. From the example, having a credit card actually is beneficial.

For those who have just started working or earn a relatively low income, they should look for credit cards without annual charges like SCB JCB PLATINUM. The application is also very simple. One just has to apply through SCB EASY APP. Most credit cards will have annual charges if the amount spent does not reach the requirement, thus, one credit card without charges will be easier to manage. One can just accumulate points to gain full benefits and do not have share points among credit cards one is holding. Also, there is no need to worry if the amount spent to reach the requirement and need not remember the payment due date for each card.

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4. Do not invest using savings, but invest after saving.

Relying solely on a monthly salary would not be a very good idea. One should increase their income from other sources as well and investment is another channel to gain income.

For those who are new to investment, it is recommended to invest in mutual funds because there are specialists managing the fund on their behalves, especially, LTF and RMF that can be used for tax deduction at the end of the year. It only takes about 1000 – 5000 baht to invest.

Those who want to invest will have to do the risk assessment so that they will roughly know which type of investment is suitable for them. Different funds will have different risks. Investors, thus, have to learn about terms and conditions as well as the monetary policy from the book before deciding on an investment.

Nowadays, an investment can be done very easily without having to waste time opening accounts at financial institutions that one is interested in. This is because SCB has a service to open an investment account within 9 minutes and it only takes an identification card to open an account to invest in stocks and popular funds from financial institutions. Convenient and secure without a need to fill up the document. Those who plan to open an account and immediately

5. Work to produce quality results –work for achievement and money.

Those who work for money will only gain money. It might be better to gain more than just money, but gain experience, trust from superiors and colleagues as well as learn how to work effectively. Importantly, one can show the values within themselves that will be with them wherever they go. It makes surrounding people always want to offer great opportunities. Thus, work to produce a quality result and one will gain both money and achievement.

All the best for all the working personals. Dream big and go for it.