เมื่อหลายปีก่อน เราเป็นคนหนึ่งที่พูดได้เต็มปากเลยว่าเป็นคนไม่มีระเบียบในการจัดการเรื่องการเงิน ตั้งแต่สมัยทำงานเป็นสาว office ที่เมืองไทยแล้วหล่ะค่ะ มีเงินเดือนเท่าไหร่ใช้หมด แถมยังเป็นหนี้บัตรเครดิตอีกต่างหาก ทั้งบัตรกดเงินสดและบัตร credit ร่วมๆแล้วเกือบแสนค่ะ โชคยังดีที่ๆ แม่ช่วยเอาไว้ตั้งแต่นั้นมาจำเป็นบทเรียนเลยค่ะว่า การมีบัตรเครดิตนั้นเอาไว้ใช้เมื่อยามฉุกเฉินจริงๆ ในกรณีที่เกิดอุบัติเหตุ แล้วเราไม่ได้ถือเงินสดมากมาย ก้อใช้บัตร credit ได้ แต่ปกติแล้วถ้าจะใช้บัตรนั้นต้องใช้อย่างระมัดระวังค่ะ เราจะต้องคิดเสอมเลยว่าเรามีเงินพอไหมที่จะจ่ายคืน ธนาคารมั๊ย เราคิดเลยว่าตอนนี้เรารูดไปเท่าไหร่แล้ว อย่าคิดว่าเด้วเงินเดือนๆหน้าออกก้อค่อยเอามาจ่าย อย่างที่เคยเล่าหล่ะค่ะ ช่วงทำงานที่นี้ได้เงินเดือนๆหล่ะสองหมืนบาท แต่ว่ารูดไปเป็นเงินรวมเกือบหกหมื่นค่ะ ทีแรกคิดว่าไม่เป้นไร เราจ่ายเงินขั้นต่ำเดือนหนึ่ง 5,000 บาท แล้วเราก้อยังมีเงินเหลือใช้อีกเดือนหล่ะ 15,000 บาท
แต่พอเราจ่ายไปๆๆ ดูใบแจ้งหนี้แล้วปรากฎว่าเงินมันไม่ได้้ลดลงเลย แถมยังดูเหมือนว่ามันจะเพิ่มขึ้นอีกต่างหาก จ่ายไปได้ประมาณสามเดือนเริ่มไม่ไหว ก้อเลยคุยกะแม่ เราก้อโดนบ่นไปตามระเบียบก่อนที่เขาจะช่วยซึ่งก้อเป็นเรื่องที่สมควรโดนบ่น หลังจากนั้นมาเราก้อเลิกใช้บัตรกดเงินไปเลยจนธนาคารแจ้งยกเลิกบัตรให้เราเองเนื่องจากว่าเราไม่เคยกดเงินเอาออกมาใช้เลย ส่วนบัตรเครดิตก้อใช้บ้างประปรายตอนที่กลับมาเมืองไทย ก้อมีรูดไปบ้าง เราก้อดูว่ายอดเท่าไหร่ พอกลับบ้านเราก้อเอาเงินสดเก็บไว้ต่างหากเตรียมเอาไว้จ่ายเลยอ่ะค่ะ ถ้าไม่ทำอย่างงี้แล้วมาดูยอดตอนสุดท้ายพอเห็นตัวเลขแล้วก้ออาจจะตกใจได้ เราถือว่าใน case เราๆเป็นคนโชคดี แต่พอเราคิดถึงคนที่ไม่สามารถจ่ายได้ตามกำหนด เรารู้สึกเลยว่ามันเป็นยังไง

 

 

 

edit @ 15 Dec 2011 21:50:40 by Shoppies

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