The 30-day rule keeps your expenses under control.

Nowadays, various e-commerce online shopping advertisements are enticing us every day, whether on Facebook, Instagram, or other websites. Each deal is so well priced, it's so tempting that you can't help but buy it. Necessary or not, we don't know but the price is good. It's a pity if you let it slip away.

Buying behavior suddenly because the deal is tempting will destroy your pocket money or expenses that month. How much depends on that product how expensive is it. How often do you buy unnecessary? If you have enough money in your pocket and the purchase doesn't affect your monthly expenses. and you are happy with your shopping That might not have any serious consequences.

But on the other hand, if only you change your unnecessarily gullible behavior just because the price is good. Unnecessary spending can be used to pay off debts or be saved for things you really need in the future. Today, we're going to introduce the 30-Day Rule to use as a tool to control your spending to make the most of it.

What is the 30-day rule?

The 30-Day Rule is a simple method. That helps you control your expenses and choose the right shopping. most importantly If you want to buy something that you don't need. This rule tells you to stop buying it, whether it's online or in-store. You will remove yourself from that website. or walk out of the store immediately

The next step is to make a list of what you want to buy. along with the source that can buy the product with price. Enter purchase dates and save in your calendar what you'll need to buy in 30 days and how you'll manage your purchases.

In 30 days, you will have time to figure out if you really need to buy those things, is it just a need or is it necessary? A thoughtful purchase is not an instantaneous purchase.

Besides giving you time to think, this technique also gives you time to compare prices between individual sellers after you've decided that that's what you really want to buy. Make it possible to buy at a price that is worth saving more money.

which has time to think Most of them will make it clear that you don't need as many products as you initially thought. That saves you more money because you know, in fact, with mindfulness. Ponder, you don't really need that.

Want vs need

The 30-day rule cuts down on spending on things that are simply wanted but not necessary. You will have time to choose where to buy for the best price.

Or if your car runs out of gas, of course, you need to fill it up in the morning before you go to work. Or you must eat dinner but the stuff in the fridge is gone. You must buy food, but it doesn't have to be lobsters or expensive imported steaks.

For luxury goods, expensive, it's clearly just a need. Buying a new shoulder bag even though you already have many bags of different sizes. or the need to buy another pair of new colored shoes While you have many pairs of similar shoes but different colors

But sometimes it's hard to decide if it's just what you want or needs. For example, if you have an appointment for a job interview, do you need to buy a new outfit? If you already have the right clothes but there are new clothes at a good price, and you think you'll feel more confident wearing them. In this case, it would make more sense for you to decide whether to buy a new one. Or wear an old dress in 1-2 days instead of making the decision in 30 days, which would be too late.

Simply put, the 30-day rule is a way to help you spend only what you need. But it's not limited to just factor 4, health or just safety.

The 30-Day Rule with Savings

After applying the 30-day rule, when choosing what you want or just need in the next step, besides just writing down the list of purchases. Any unused money from buying unnecessary things should be used as savings. In the future, you will see your savings grow. When you see your savings grow This will reduce the desire to buy unnecessary things as well. Because you will start to enjoy seeing your savings keep growing.

Additional strategies for saving money

·         Automatically deduct your savings into your savings account. by deducting from the salary account into the savings account every month

·         Set a savings goal. And regularly check if your savings are meeting your goals or not. If the target is still not met, the spending must be adjusted. By going back and looking at the 30-day list to see if there is anything you want to buy or not.

·         On the other hand, if there are luxury items that you really want to buy. But the product exceeds your budget. may consider earning extra or cutting off other unnecessary products to have enough savings to buy things of high value.

Use your mind and take time to think carefully. what is necessary or is it just want. You will have enough money for the whole month and more money left over for savings. Save with SCB's Long Term Deposit Account to grow your savings and by using automatic debits from your payroll to force yourself to save consistently. In the end, you'll be happy to see your savings keep growing.