Credit Scoring Model เครื่องมือที่ต้องมีเพื่อช่วยบริหารความเสี่ยงสินเชื่อภาคเกษตรและสร้างแรงจูงใจให้เกษตรกรปรับปรุงกระบวนการผลิต
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- The 5-Step Financial Planning Process
- Tips for Financial Stability You should plan your spending to suit your income.
- You should be prepared to deal with uncertainty.
- If you know in advance that you will spend a lot of money should plan to save money and prepare early
- If you have more than one debt Must try to pay off debt by saving and gradually paying installments
Financial planning is a tool that helps lead a life towards financial security.
Financial planning is a tool that helps prepare and lead a life towards financial security. Which should start from instilling the habit of saving and spending money sensibly since childhood in order to cultivate financial discipline first. When entering the working age, it is necessary to know how to plan and allocate income sufficiently to meet savings goals and expenses appropriately.
When having a family, it is necessary to take care of both yourself and your family. This increases the responsibility and financial burden. which results in planning Finance is more important. even when retired still need to plan the finances because it is an age with reduced income But most expenses are still there or may be higher in some categories, such as medical treatment. Which without good planning can cause problems.
You can also try the Financial Well-Being Test to test how financially stable you are today. What personal money management skills do you have? and basic financial knowledge is enough or not to be used as information for further financial planning
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1
Assessment of financial position
Have emergency savings 3 - 6 times of necessary expenses and debt obligations per month Check available welfare and health insurance to see how much they cover. if not enough Additional health insurance may be another option. Consider the uncertainty of future earnings. Before deciding to borrow money every time May find additional sources of income or invest assets to grow.
You can also try the Financial Well-Being Test to test how financially stable you are today. What personal money management skills do you have? and basic financial knowledge is enough or not to be used as information for further financial planning
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2
Set goals clearly
There should be a clear set of goals and timelines to achieve them. Including prioritizing goals in line with financial capabilities. At that time, for example, if we currently have low income or have a large financial burden may postpone unimportant goals to achieve important goals Or urgently, you should bring "necessary things" to set as goals first. “Wishlist”
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3
make a financial plan
Money and property management plans should be prepared, such as how we will spend money. Where do you earn more income? or how to invest to achieve the goals set
The duration of the plan must be allocated in relation to income and financial obligations. to be able to achieve the goals as set and don't put too much pressure on yourself
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4
Strictly execute the plan
The most important thing is commitment and discipline. Because without serious and continuous practice, it will be difficult to achieve the goal
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5
Check and adjust the plan according to the situation.
You should always check regularly, at least every 6 months, that everything is going as planned. Or not, if not, you need to find out why. Caused by ourselves or there are unexpected events that do not go according to plan Then adjust the plan to be in line with the changing situation. If you do this continuously, it will lead to financial discipline. and have financial stability for sure
Plan your spending to suit your income. By considering what expenses are needed. Set aside a portion of your income for savings and necessary expenses. If you find that your income is insufficient, you should find a way to reduce expenses or increase your income.
You should be prepared to deal with uncertainty.
Have emergency savings 3 - 6 times of necessary expenses and debt obligations per month Check available welfare and health insurance to see how much they cover. if not enough Additional health insurance may be another option. Consider the uncertainty of future earnings. Before deciding to borrow money every time May find additional sources of income or invest assets to grow.
If using a credit card or personal loan should be used with discipline Store receipts for review and make payments on time. in order not to have to pay interest unnecessarily
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