A key factor in the savings
1. Return to the savings gained from savings. This means that if the returns on savings, the better.It will be attractive to individuals with savings increased only in the absence of government, such as requiring banks. All deposits of all types to reduce the tax rate to keep the deposit. The level of savings banks. Has decreased significantly.
2. The value of the purchasing power of money today. The savings will make decisions After saving more Consideration The purchasing power of money That there is currently a It differs from the value of money. Future often means that the amount of Baht 1 purchase goods and services. In a number of nearby Or equal to 1 baht money to buy goods or services in the next 2-3 years or more. In contrast, If you keep the savings that by refusing to buy now. You may lose your convenience. That should have been Purchases in the present rather than the returns from savings has to wait to purchase in the future. Which can cost more than Return Has been well So if you prefer to buy today rather than expecting to be received in the future, you will have lower savings.
3. Personal income is the net income individuals who are absolutely fixed on a monthly basis in the amount that is not very high, such as civil servants. Employee private company employees with low levels of State Enterprise. The number of savings that could be set aside only a small amount according to the ratio of existing revenue. Which differ from the amount of savings of senior executives or politicians that have left more than savings. In addition, changes in income due to position The migration was to discharge the duties stipulated designed to affect the level of savings, for example, is probably a more significant savings or reduced from the original level. Therefore, during your earning more than usual, or while you are unable to find the money, it's important to have a plan to prevent financial issues may occur if one or more of them.