Saving is to collect money gradually for that it will increase as the time goes by, mostly appears in the form of saving money in the banks. The main purpose of saving is for using it in the crisis or emergency, saving, then, is considered to be an investment for a secure life in the future.
Principle of saving – the Government Saving Banks has defined it as ‘save 1 part and use the others three: saving is crucial for life, the low- income people or the others who cannot save money will have their expenses higher than their incomes. It is better to manage our incomes after earning them, and to assume saving to be like another expenses would help in listing it as the first one in each month’s memos. By always deciding the portion of saving in incomes then plan for using the rest would be a lot helpful.
Decrease the expenses can be done by
1. Cultivating plants and feeding herds. Using the native and easy-to-grow plants ,for example, morning glory(Pak-Boong) , cabbage(pak Ka-narr) , spinash(pak Khom) , Acacia pennata(Cha-om) , pumpkin , cucumber , brinal(Ma-Kuea) , Cow-pea , leek(Ton-Hom) , garlic , Coccinia grandis(Tum-Lueng) , for feeding , catfish , frog , and chicken ,etc. By doing these, it is unnecessary to buy for foods and also can possibly sell the rests to increase incomes.
2. Being economical by carefully using money, time, and resource, living consciously, and by decreasing any unnecessary expenses, also saving energy such as by using the solar cells, etc.
3. Doing the rightful things, for example, stop drinking alcohols, and changing any of learners’ bad habits which can lead to sicknesses and wastes.
4. Doing a household account – list all of the expenses and use money only for necessary things.
5. Saving energy, for instance, save water and electricity, use energy only in necessity.
Increase the Incomes :
There have been many ways, more than only working, to increase incomes :
1. Cultivating plants, mainly for consuming and sharing, the rests can be sold for more incomes ,for example, cultivate chilli , brinal (Ma-Kuea) , Wild Betel Leafbush (Cha-plue) , leek (Ton-Hom) , Acacia pennata (Cha-om) , Coccinia grandis (Tum-Lueng) , and star gooseberry (Pak-Whan) , etc.
2. Doing a part-time job by using the resources or raw materials traditionally found which could help learners reduce the produced assets, for example, preserving processed food , handicraft , garden tree , feeding traditional chicken , cultivating bean sprouts , feeding mushrooms , producing organic fertilizer , feeding catfish in the cement well, building furniture from using bamboo ,etc.
3. Developing the old career by seeking for knowledge, for example, joining the community, observation , or training in order to breed the lemons, learners can study more about lemons’ breeding and selling from the internet sources so that they can increase the sales volume.