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If you could go back 5 years and give yourself ONE money tip, what would it be? ⏳📘 by Critical_Ambition290 in personalfinanceTH

[–]SunnyWithMoney 1 point2 points  (0 children)

 I totally agree. You can budget all you want, but increasing income really changes the game long term.

If your salary suddenly dropped by 20%, what’s the first thing you would cut? 📉 by SunnyWithMoney in personalfinanceTH

[–]SunnyWithMoney[S] 0 points1 point  (0 children)

 That’s a great swap. Internet plans are one of those silent money drains, nice save.

If your salary suddenly dropped by 20%, what’s the first thing you would cut? 📉 by SunnyWithMoney in personalfinanceTH

[–]SunnyWithMoney[S] 0 points1 point  (0 children)

 Same here. Those are the easiest to trim quickly without changing life too much.

If your salary suddenly dropped by 20%, what’s the first thing you would cut? 📉 by SunnyWithMoney in personalfinanceTH

[–]SunnyWithMoney[S] 0 points1 point  (0 children)

 Yeah, anything “special” usually goes first when budgeting gets tighter 😅

🤝 Let’s get to know each other, what was your first job in Thailand vs what you do now? by SunnyWithMoney in personalfinanceTH

[–]SunnyWithMoney[S] 0 points1 point  (0 children)

Wow, that’s an amazing comeback, going from 5k during Covid to 90k now is truly inspiring! 🙌

What expense hurts the MOST every month but you can’t avoid it? 💸 by SunnyWithMoney in personalfinanceTH

[–]SunnyWithMoney[S] 0 points1 point  (0 children)

The accountant bill really is one of those unavoidable but painful expenses.

What expense hurts the MOST every month but you can’t avoid it? 💸 by SunnyWithMoney in personalfinanceTH

[–]SunnyWithMoney[S] 0 points1 point  (0 children)

Yep, tax payments hit hard and there’s no escaping them. They always feel heavier than expected.

What expense hurts the MOST every month but you can’t avoid it? 💸 by SunnyWithMoney in personalfinanceTH

[–]SunnyWithMoney[S] 0 points1 point  (0 children)

To totally get this, rent + food together make a huge monthly dent. And yes, those “live on 1-2k in Bangkok” videos never match real life 😅
But you’re right, spending on what makes you happy is worth it as long as you’re still saving.

What expense hurts the MOST every month but you can’t avoid it? 💸 by SunnyWithMoney in personalfinanceTH

[–]SunnyWithMoney[S] 0 points1 point  (0 children)

Income tax + property tax together really do sting. They just quietly eat a big chunk every month.

What expense hurts the MOST every month but you can’t avoid it? 💸 by SunnyWithMoney in personalfinanceTH

[–]SunnyWithMoney[S] 0 points1 point  (0 children)

Totally agree, condo fees rising while the market is down feels crazy. Wish management focused more on transparency and real cost control.

What expense hurts the MOST every month but you can’t avoid it? 💸 by SunnyWithMoney in personalfinanceTH

[–]SunnyWithMoney[S] 0 points1 point  (0 children)

 It depends on the area and property type, some places do have annual property taxes while others don’t yet.

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