collecting techniques For people who are 30 years old and have no savings Just modify the concept – calculate and set goals.
“I’m 30 years old and I still don’t have any savings. What should I do? And how much should I save?” Of course, this question is often asked as we move into adolescence. One expectation that this age should have savings. And what assets do they own? Many financial service providers often say that age doesn’t determine how much savings you should have. but the important thing is But the important thing is that we should have a financial plan that is suitable for age, income and retirement plans. But if you still can’t see the picture Or are there any doubts that if financial planning for future savings can start at the age of 30, is it too late? Will it be difficult? How should I start? Sanook Money has good information for you.
website keptbykrungsri which is an application that helps provide money services to meet the needs of people who want to keepsave moneySystematically, Trick has been given to start planning for those who are in trouble for those who work until the age of 30, but have no money to keep as follows:
1. Change the concept of money.
One of the reasons a 30-year-old doesn’t have savings is a misunderstanding of money from the beginning, as well as a misconception of money.save moneyThat’s wrong because “save money” is the money left over from spending each month. But in fact, the income is deducted from the savings and left a certain amount of money separately. that you can use to pay each month, for example, usually you think Salary-expenses = savings, but what should be Salary-Savings = Expenses separately!
Also, the matter of saving money that many people think is unnecessary if you are young or not 30, actually saving money is the most important thing if you start saving and planning your finances. from a young age It will increase your stability and help you to see your financial goals better. So before you start collecting You have to find the reason why you don’t have money to collect first. and rethinking the concept of money and finance Guaranteed to be a good starting point for saving money for sure.
2. Calculate and set goals for retirement
Of course, to start collecting for those who have no savings at all is calculating the amount of money needed. or the money you want to use during retirement which this calculation must consider every aspect of life whether it is medical expenses Housing costs, living expenses, as well as other expenses, then bring the amount that we want to use in retirement each month to calculate once more how many baht must be saved in the current amount per month. So you can collect money as you set goals.
One of the things that must be remembered when calculating the amount to be collected is that “Inflation” because of course, every year the rate of money is always changing.
3. Start studyinginvestmentto make money work
For many people, the matter of investing seems unfamiliar. Looks cumbersome and high risk But in reality, there are different types of investments for you to choose from. from people who have worked for a long time and have no savings If you can start collecting money Should look for investments to help increase the value of the money you have more, it will help to save money as another way. Of course, investments are likely to earn more returns than fixed deposits or simply keeping money.
Investing for beginners is not as difficult as you might think. You may start by investing in mutual funds first by opening an account with the bank right away. The advantage of investing money with these mutual funds is that There is a trustee for investments at all times. and is a professional as well It also makes it easier for you to access investments in different assets and, finally, the deduction benefits.taxwith that
So start collecting today and accelerate your growth by investing in mutual funds. It is considered as another way to collect money that can benefit in a variety of ways. Especially if you are a salaryman who has no savings and what it is. Let me tell you that there is nothing more suitable than investing in mutual funds. If you are not confident and don’t want to take too many risks You can choose to invest with low-risk funds to learn first. which at present can continue to invest on a monthly basis So-called DCA (dollar-cost averaging) investment cost average. by investing in equal installments, may invest monthly, quarterly, regardless of priceshareWhat price will we buy at that time? going up or going down This type of investment is an automatic investment indefinitely, with the goal of setting a goal for the amount of money you want to invest.
It’s not wrong to be in your 30s with no savings. Because everyone has different lifestyle factors. Of course, you should start planning your money, savings, and money management as soon as possible. Because in the next few decades you will retire. If you start saving and planning your finances now. You can be confident that your retirement life will definitely be better than you think. Finally, look for a good money management helper like Kept by krungsri, a new collection app from Krungsri Bank that makes saving money easier and more fun. Through the automatic interaction of 3 accounts that act like 1 wallet, 2 jars (Kept, Grow, Fun accounts) Just a little adjustment, life has changed!
