1.  Enjoy life and have financial discipline.

After graduating from university and starting to work Many people will focus on spending more than saving. because they have their own income So it's easy to pay to fill in the fun of traveling, socializing, or providing things that school age can't do. May cause lack of caution in spending but keep in mind that reckless spending today may create a difficult life in the future. Therefore, there should be financial discipline from the start of work.

by proportionately allocating income for various purposes such as

Salary 20,000 baht should allocate 50% of salary or about 10,000 baht for expenses necessary for living such as housing, travel expenses, daily food expenses. Utilities and communication, another 30%, or about 6,000 baht, for savings and interest, and the last 20%, or about 4,000 baht, for things that meet the needs or experiences of life, such as socializing or buying things that are beyond necessity to make life more enjoyable and comfortable money in this last part You don't have to pay out every month. You can collect them to reward lives on special occasions.

These proportions are not fixed. But if you can create financial discipline by allocating income in this way from the beginning until it becomes a habit. Will not be at risk of the condition of not reaching the back and when an emergency There is still a certain amount of savings to be relieved.

2.  Build stability in work (Living life at a simple cost)

Thailand is entering an aging society, causing a shortage of working age soon. It is therefore an opportunity for the new generation to fill and develop things to progress. using knowledge, skills, expertise and experience This is a personal qualification that will create opportunities in both career and finance. which will lead to financial stability as well to extend that knowledge There is no need to pay expensive because access to knowledge resources today is much lower cost than in the past. Due to advances in communication technology Many well-known specialists and institutes offer online courses for working people. This makes it possible to learn by cutting travel and accommodation costs. And there can also be interaction between teachers and students to exchange ideas and experiences with a certain level of convenience. Reduce the barriers and open up the world of learning wider and deeper. Therefore, investing in knowledge acquisition. and continually practicing skills for yourself Therefore, it is like investing in a type of asset that will generate returns in the future.

3.  Be a financial planner (not focusing on saving)

Many people misunderstand that building financial stability is saving and saving. In fact, being a financial planner is the key to both stability and wealth. Setting goals leads to prioritizing what needs to be done. There is a timeline, including planning to deal with risks that may occur along the way.

Financial planning will help you to see what needs to be done more clearly. There is consideration and prudence. People who set financial goals as they enter the working age begin to prioritize what needs to be done, such as planning to pay off their student loan debt within a given year or start saving and investing for interest. By planning and accumulating success little by little, you can achieve success in the big picture and not get lost over time without reaching any goal

4.  Financial planning for retirement

Something that should not be overlooked when starting to work for a salaryman is in the case of an employer with a pension system welfare. It is a benefit that must be studied from the start of work in order to allocate money according to the benefits that will be received. especially provident funds in addition to collecting money, the employer will contribute another amount at the rate specified in the regulations of the fund of each employer.

Many organizations incentivize employees to save for retirement. By contributing as much as employees save by setting a ceiling, for example, employees save 3% of their salary, employer contributions equal 3%, but if employees accumulate more, such as 5% or 10%, employers will contribute in the same proportion. This method is a discipline. Give yourself from payday Because the employer will deduct this money and contribute according to the terms of the employment contract.

5.  Focus on investment (not a loan)

The thing that the working age must think about before incurring debt is whether the debt is too much to pay or not. And it is a good debt that will be worth in the future or it is a debt that does not generate any income. And if possible, it is better to learn about investment assets and start investing to generate returns first. and then use some of the profits to buy things This approach is considered an upgrade for long-term well-being. Because the sooner you start investing the longer the time it will generate returns, the longer it will be.

Therefore, learning financial skills must be learned from the start. Should not wait until near retirement because it may not be in time