คูมือ HAPPY M NEY เพ�่อความสขุ ทางการเง�น
.................................................................................................................................................... .................................................................................................................................................... .................................................................................................................................................... .................................................................................................................................................... .................................................................................................................................................... .................................................................................................................................................... .................................................................................................................................................... .................................................................................................................................................... .................................................................................................................................................... .................................................................................................................................................... .................................................................................................................................................... .................................................................................................................................................... .................................................................................................................................................... .................................................................................................................................................... .................................................................................................................................................... .................................................................................................................................................... .................................................................................................................................................... .................................................................................................................................................... ❝ HAPPY MONEY... การมีความสุขทางการเงิน ไม่จำเป็นต้องมีเงินมากมาย เพียงแค่กินอยู่อย่างพอดี มีเงินใช้ตามฐานะ ไม่ประมาทใช้ชีวิต ไม่ยึดติดสะสมหนี้ มีเงินออมดังท่ีฝัน ❞
คมู่ อื Happy Money... สร้างส....................................................................................................................................................ุขท.................................................................................................................................................... า....................................................................................................................................................งก.................................................................................................................................................... า....................................................................................................................................................รเ....................................................................................................................................................งนิ .................................................................................................................................................... .................................................................................................................................................... .................................................................................................................................................... .................................................................................................................................................... .................................................................................................................................................... .................................................................................................................................................... .................................................................................................................................................... .................................................................................................................................................... .................................................................................................................................................... .................................................................................................................................................... .................................................................................................................................................... ....................................................................................................................................................
โ ลโ นเก ผคส จวททงขิอดัอแู้ มบู่็วสรรกตทนงทิจไสศอื บซสง่ำาธาพั ทิก ขต์ิรโรHดจธอรท ์ ะ์ิ งยหณไ ์ ตaด า้ ลมรา้pาบัลธดpออหกิ กนลyาเญุ ลกั รยาีทM ตนร พัแบยoฝ0คwคศคเตคเค0ลขบแ์ ณณณณนณุุูุุุาล่wข2ต2nหยายไw22ทปอจพกคง่ มดพeส์.ปรี22ลฤยลิ่ีtงว่ หฒัง่6sะร99ศิyษา่ตอาเiภะล2สส-ภรนงพ์ยิเ.22กัว่ทาาเtร.รถาานตั27นhทศ.มิ ณคกนฮใa22ยธสไรกดสวอ้iวัทน22์์ทุพัlสาาพคกวนaย รรธมรว่ยnารรลู ใชั นชพิา้นรสdแอ์งุ เดหนื่พผู้เ.ฒห ังชิงoทานจ ลู้ม่ิ ง่rสภนพงึ่gนั งป ขเิ าขุทฯทษรอคนุะทรงก1วเห ์ ท0าานแม1ศงงัขร1สไวกตู้ท0อื ง ล ายค า ลรดอเทงงนุเนิ ต(ย T SI) .................................................................................................................................................... .................................................................................................................................................... .................................................................................................................................................... .................................................................................................................................................... .................................................................................................................................................... .................................................................................................................................................... .................................................................................................................................................... .................................................................................................................................................... .................................................................................................................................................... .................................................................................................................................................... .................................................................................................................................................... ค.................................................................................................................................................... ู่ม....................................................................................................................................................ือ....................................................................................................................................................H....................................................................................................................................................a....................................................................................................................................................p....................................................................................................................................................py.................................................................................................................................................... Money... สรา้ งสุขทางการเงนิ
จ คง จห เห ยเส พกค่าาวา่่อวราอนริยกากนอืคมกอื่มฐๆกสววใดพงาสาคัง่ิงามนำูนรำทอวรมเอืะคเนำทนี่จปสสญ“ส คจ แว ัถนินะเ่ีแยน็ุขรงึคหมธิรึงวชใมู่ชหัไงา้หในตน็้ยเรมีู่ใ่วมหงมีวรอ่ืชงนกอคอพยคอืิตแ่้าีตหห ้าไี้ะนวใวปจไHครดนไนนหาานดะมลร ้มณุเ้ีมอ้ี้คaเั้น ก้ออกชีชสพยสุณคอยp็งว.ี ะ่ือ.ู่ขุรแต.ยิว่าดรpกวท้ :: องลาาทอู้จ ว่า็อyมากมมยะักที่กพจเใรงยไคีคขสู่หทชเวกตุสMกู้ดัดรางอรวุขนิ็ต่ีธ้จวถา่ากกิอ้นอ้งอาจีบงรชนะรัาoามคยใมไบาๆเวสนอร่นรหนงมาเกnสจคิรหรเงะกนิี้้เเล่งใุสขสเทม่ิร้แหาeรามชในริว้ิ่งาอแงลัวนตาร็นy.า่ีทนขขบมเ.งะจเรน้ดไ.แ.กอตหุกลอพซ.ส้ัมจดะสน้ิ.สงสรอ้ดงน็อยะ่ึขุงฤว่กรตรสงรางรไรคะยผา่ภตา้านสนะอใมยจาา้ร่นงาคู้รชากิกปวบยเะา่รคงงพเนา้อท้รเ่าตู้้วจงอ่ำกใ“สปวงรวงทงี่กินตนา่รรงเาาแน็ขุมง่ิรงสยงาวินอ่มขกชยลวอทำกนโิงยไออขัุีมกวนนุ่นะเาไกาาปพ”มิงคตหย็ครง่ัทอนท้ราง ตาคมิ่รู่อางยรใทหากากชมรองน่ัแไรเยกู่งงั้ยงงา มนจบ้าีตแเ่สากบัเนิบิอยรกา่ส่ัอกครง่กน้ิกายยงไเอื้พางแรา็งไร าใดมืขผจบ แวัลมหนอิรเร้อตทา้ งตัะนทม่อด้ด”เงิรนใด่ใงดทเำีาีชตีงคงใเแงนิจไอาไ่ีนเ้นลนิหราปทมมลปยี้ ม่เกเน้แน็อห่นเอใก่เู่ฏน็กตหปขจงาแ่ลคอิเด้ีิาท าศ็็นงสนอืจหว มเเแยั่ีจหธงวะอาปนทกนิแะทมคไนอน็ยี้ดี่ดชนรามที้ใหามเำ่ง้ิงอนะ้นวพร ุกนีเบแ ่บากันใวงอ่ืขเใ้ีนหรินษันปกใช์ทเหิำวช้หาอินนห็ง้เ่ีเทาโเ้ิป นกลอสอนงรรา็ุิมมดดนนนิิคย้ าง ีู่ Happy Moneyคู่มือ Happy Money... สรา้ งส....................................................................................................................................................ุขท.................................................................................................................................................... า....................................................................................................................................................งก.................................................................................................................................................... า....................................................................................................................................................รเ....................................................................................................................................................งนิ .................................................................................................................................................... .................................................................................................................................................... .................................................................................................................................................... .................................................................................................................................................... .................................................................................................................................................... .................................................................................................................................................... .................................................................................................................................................... .................................................................................................................................................... .................................................................................................................................................... .................................................................................................................................................... .................................................................................................................................................... ....................................................................................................................................................
เป2 เ ข1ช3 สป...อ้อ่ืร า้ า้ -เเจห.เ.เ.ฉฉฉมปุ ...ฉพพพหห...นำนนนัััร...ลูปล...นมอออ่ืื่่ื าอื...จจจมสน...ีย่ี มว...าวะะะ......เว่...นฉ้ี...เเเสนัยาด......กกก......นก...นัล...ขอื....ยบบบ็็็..........ลุตะอนจ.......เเเ.......ท....งงง...วัละง.....:....นนนิิิ.......เ.ฉะ.ข......ก..า.......ใใใ.........อ.น.ั....หหห....บ็.......ง.............ง ..ไไไ้้้.....เ.........ก....งฉดดด....................นิ..........้้้นั......า.................เ.......... ......พ..........ร....................................อ...ื่....เ......................ง.........เ..............ป................นิ......................า้..............................ขห.......................................ม.....อ...............................า...................ง..........ย.............................ฉ..........ข...............................อ...........นั..........................ง.. ... ....... ......บบบ... .ฉ....................าาา.........น.ั..........ททท...................ท........... ............. ...ง้ั.................ห.บบบ....................มาาา..............ททท.......ด..................... ภภภ.....................าาา...........ยยย.................ใใใ...........นนน........... .......รรร..............ะะะ..............ยยย.................ะะะ..............เเเ..........ววว ..............ลลล...............าาา................................................... .........................................................................ปปป........ ีีี.................................................................................................................................................... .................................................................................................................................................... .................................................................................................................................................... .................................................................................................................................................... .................................................................................................................................................... .................................................................................................................................................... .................................................................................................................................................... .................................................................................................................................................... .................................................................................................................................................... .................................................................................................................................................... .................................................................................................................................................... ค....................................................................................................................................................ู่ม....................................................................................................................................................ือ....................................................................................................................................................H....................................................................................................................................................a....................................................................................................................................................p....................................................................................................................................................py.................................................................................................................................................... Money... สรา้ งสขุ ทางการเงิน
4 651324 5 6123แ ............ ผปปขครตชทยปขปตครยชทะะอออออว่ือวื่อ้อทท้ีีททมีี่ีมี่ นยยาางดงโดโงงาา่่ีี่่ีี คคะะมมเ21เ21ออหหเกเงงเเงงรรคอคอววนินิรร::::นินิงงามม บ ืลบืลอือืททกกเเาาใใหปหปววรจ่ีจี่าาหหธิธิา้นา้นร(ระ(ะอไ้ไ้กีกีหหเเออ า้า้ ดดดดาาออมมอเ:้เ:้อือืรรมกมกกมมกมมดด าาไไนนม....ย..ย.. อือืดคคดคคคคคค)) นน....เม..้ม..้ งลลาาะะน ิ เ ::::: :::::พ กสกสสกกส 62อ22ห....................อื่คคคคพพ...พพ...,040อ กั......3..........00ม..........บเ 0 เ ......ป,,......ดเญั......000ง......อื......นิ00า้......ชบ......น00.....ด.เี......หา ...ง...า......มกกมทกมกมบ/นิ......วม............ีี........ีีาเนยยยยคคคค2......+ด.ท.....า........ค..์4.......... อื .....ร.อ......ยน=......า......น...ย...ท......ท8โ......ไ......กุด,......ด......า3คใ......เตตเเเตตพ้......น0มมมม......รง..........เ0ิฝ......งั้คคคค.....ศ.....กยยยย...ท...นั..........บษ ..........เ่ี ...... าง......า......2นิท......ร......,......เ ......0ดเ............0ง......อืพพพพพพพพ......0......นิน....................ยคยคยคยค......อบ......ข..............อ ตา............ทอก.................. ......วั ง..................ฉ......อ......มธธมมธธม............นั............ิิ..ิิ คคคค......ยยยยย................ .......... ............า่ ............ ง คู่มือ Happy Money... สร้างส....................................................................................................................................................ขุ ท....................................................................................................................................................า....................................................................................................................................................งก.................................................................................................................................................... า....................................................................................................................................................รเ....................................................................................................................................................งิน.................................................................................................................................................... .................................................................................................................................................... .................................................................................................................................................... .................................................................................................................................................... .................................................................................................................................................... .................................................................................................................................................... .................................................................................................................................................... .................................................................................................................................................... .................................................................................................................................................... .................................................................................................................................................... .................................................................................................................................................... ....................................................................................................................................................
ต4 พร7 H จู้ รaลรเ คกัวู้pกิ งรง ร รรสลจตบบูู้ใเู้หูข้้pชกคู่ชดส็นยสราyวี ้ ็บวอาล าินเติ อ Mยายบบทั ::แ:แ .งมได .รทบบดหเใผใสอปเหกรนก.o.เมอกคชพัช.พบบทู้แ้ยญั.ฎรอู้ส่ลิยาส..nรบก้้เบ็ลง.่ัฟสานันยดัดเุงยเพกัดญดอ่ืคหู่งตกัeคผอระ.ในิหหอค.ู้์แต.ิินช.คลปราวป.ุ้สยวy.อรลลนดิงนอ่ั กบณเเ้ก็ดเลา่รมย์คงขาุเส พมี้สอ์ี้ะย.ู้โูทสาดอ:ใ.นิเหรบรก5ัย.มแภชกตยา่มกิ่มาห่ลดไรในนาน่ับบจ้องืไลมป่อมเนานบตงิงาบ้ดิทหีส้ฉเนอา่ะบรไน่รนพทส.ง้ี.ั่ ยงตี้ัเ.ร.กรกึภยินะะล..กา่อใคทรนุ.่เงกบทรชกท.ยัทขไิงใาอย่ี .ิมาถาา่งดห่ัมบนิาลจ้นำดดอไารยเรง ยใเกู่้ไหวกัมม่าสคห.ปงเหไงงา.อสด ู้รอทื่ยห.ๆ่ดิดดกนน็อตต้ยยอืในฉิรนเ ี่แ้ ีไ ้ีชดิาป่คบานไไนล้าชทกัลดงดเ้กน็อราวงวงีสทเะเเ้ บักดสกนหิออตโิ้เาคคี่อขุงนดยิีซรเน มา่งยดิกนิกะภทไกัอื้ใ ้ี มน ิบชปา่ าีทาฉง่ัตบจ้ งสพดลมี่า่วัดไเยาร พีง…ีี ทดรอ ?ิม่ใาใา?กชยเ?งนง ้งว กินานมั มาอ เร อลอี เมง นิ ม่ะ ไนร .ี้ ..4 4113114331 288671064295 .................................................................................................................................................... .................................................................................................................................................... .................................................................................................................................................... .................................................................................................................................................... .................................................................................................................................................... .................................................................................................................................................... .................................................................................................................................................... .................................................................................................................................................... .................................................................................................................................................... .................................................................................................................................................... .................................................................................................................................................... ค.................................................................................................................................................... ่มู ....................................................................................................................................................ือ....................................................................................................................................................H....................................................................................................................................................a....................................................................................................................................................p....................................................................................................................................................py.................................................................................................................................................... Money... สร้างสขุ ทางการเงนิ .................................... ............. ................................................................................ .................................................... .......................................................... .................. ........................ .............................................. ................................................................... ................................................................... ................................................................ ......................................
“คมู่ อื .................................................................................................................................................... .................................................................................................................................................... .................................................................................................................................................... .................................................................................................................................................... .................................................................................................................................................... .................................................................................................................................................... .................................................................................................................................................... .................................................................................................................................................... .................................................................................................................................................... .................................................................................................................................................... .................................................................................................................................................... .................................................................................................................................................... .................................................................................................................................................... .................................................................................................................................................... .................................................................................................................................................... .................................................................................................................................................... .................................................................................................................................................... .................................................................................................................................................... HAPPY MONEY... รจู้ กั เกบ็ รจู้ กั ใช ้ ไมเ่ ปน็ หน ี้ มเี งนิ ออม”
ไ กมา่ ยย่ Hกดึ อตaงดิ หpสHระpaอื สpรมypวหยyMนลMี้ น้ มoฟoเี nงา้ nนิ eเyอพe.อ.ยี.มyสกตงรดงั้าสแ.ปุงกง.ัรครบใ.ฎทมชก่า้กเใฝี่ส้ีคสหงนชิอ่ หมนัโแนลวเ้อาอเงรำ่ลกง็ใายเเนชแิกะนิ งสมา้ อู่5ไ้บเอานิมเมดรสยปงง่สข=อยเใ่อื ุขา่รพปู้ใชอ้งเนา่รใงยีชพทกก้รนัชมา่ิงพา่บ+อไ่็ยน้า ฉม้ิ่หู้เมอ(นยเไทงอ้ รลสเชซ่ดดใกงยายาี ชอาร้ืๆเว้่ยนิกีบาพจ้ มดมยิไวกรอา่ม่ิดาเ่ีเร ไยอ่เองห หเ้ งดานสนิ ม:าลินรยซ ไใอื อม้ิ อชดื้ไดผ ไ ้ต้ ยมอู้ ้ า่นจื่ มา่ ำ)ฐงเาตปไนา็นระมต คไ้อมวงป่ามมรีเจะงมำินเาปมทน็ าใก ชมช้ วีาติย .................................................................................................................................................... .................................................................................................................................................... .................................................................................................................................................... .................................................................................................................................................... .................................................................................................................................................... .................................................................................................................................................... .................................................................................................................................................... .................................................................................................................................................... .................................................................................................................................................... .................................................................................................................................................... .................................................................................................................................................... ค.................................................................................................................................................... ู่ม....................................................................................................................................................อื ....................................................................................................................................................H....................................................................................................................................................a....................................................................................................................................................p....................................................................................................................................................py.................................................................................................................................................... Money... สรา้ งสขุ ทางการเงิน
“ ทแเคาศง่คกรุณาษรเฐขเงก้ากนิ ใจิาแจรพลแสะลอรคะ้เาวยพงาึดคมยี หวสงาลขุ”มักในสลเพด“ุขงยี 4ทา้ในนงเนุรกเรอจู้ชรทถบ็ กัเู้นื่.ีวขู้รง่ากู.ตอนิๆิจู้ต.นยทนองัไ.ี้รสห=เดาใ.่ีมอโค.หว้ ู่คเู้ดยงเก-ะวงกคเ้ ยกกรนิวดอ่ าเุณจู้งาใบ็เดิานมนิชกัอรฉแขมลใม ้อเ พกชคลนึ้งอมงั่ รทจ้ะามไผมอ่ื ั่งคะนุาด่ งงี คลคร ยด้มออว ั่ง อืว้ กบา ”ยเมคงตคสรยวั วัุขว คกบทณุ ส็ คาเางอู่กมกงับา ากรรถาเรทงิในจ่ี ชไะ้ชสมีวร่ใิตชา้ ง่ตเคราื่อวมางหมยลสาักกขุ คมู่ ือ Happy Money... สรา้ งส....................................................................................................................................................ขุ ท.................................................................................................................................................... า....................................................................................................................................................งก.................................................................................................................................................... า....................................................................................................................................................รเ....................................................................................................................................................งนิ .................................................................................................................................................... .................................................................................................................................................... .................................................................................................................................................... .................................................................................................................................................... .................................................................................................................................................... .................................................................................................................................................... .................................................................................................................................................... .................................................................................................................................................... .................................................................................................................................................... .................................................................................................................................................... .................................................................................................................................................... ....................................................................................................................................................
10 25134ร . . .. . จู้ คกเปกข คทคตคกขนขคขกโปด....อ........ืกัผอจั่ีวั า้ย.ไนอไมเแมม1รใจกอ.า่หงชต.มมทาบ0ยอา..้ีี.บุนนิยจ...มกย้ มม่่ก..ว%ั่.างย่ นนเ.ัมาา่ไอ่าก.เแทดก รีีไก.งกดงปคา.นยาอตอวืเง้ั.-วนิ .จ้ครยอณุอยชา.่ร่นา่คอ.เ :าา2ไ.ณุามหงั วี .2อกงณ1ุ ดยมซเ.0ยคแนตลิ.ก0มธ0.ป้.อ%นไไา่อ้ืรี.อืะบ็จ%แดรุ..ไ%ดจรบ.อน่าแล.ว.ก ะเแา้ใ้กะ้.ย งา้อ ดม.ล .นก้ ะจิงจต..ไ็นนิ .นเไว้. เอ่สข.ำปมดไ่ งว้.ดรคแ น.ว่อ้มนิค่.า้าห้ า ลอ.่นยเ่.คหอ่ควเ.2ลคะยต.หายน.มตแดิยอกั.วัแล.แค์อ่4า.มอบเลม.อืนปหอ.ยเ0มเี.นว้าแง.น่บนน็0รท. จนลิอ.ื่ ออื,โค.รา.0ท ว้างดพน.กอ้ ณุง. 0คก.อา .กดย20อ่.แรใ.ย0าล.ยชหป.สบงั0.รใะถ้.ลรมา.ชเ,เ.องึะท0งง่ท. ้รี.สกนิ0ใ.า่ บ.าดน้ิอภ.0ใข.ยด.บ เาอส.ดบ.ไขยอ.ดงอื.าขุอ.ใาค.นทม้นช.ง.ภณุเ.ารพีร.ลภ.ะจ .าอยาใ.ายา.นยสิ .ยะพ.กว.รไใเ.ดวน.แะนั .ทลห.ต้ร.น .าะล.อ่ า. ี้ ย.2ง่เ. งด.ะอ.เ.ปอืก.วนื่ . ี.ลน.อา.า. กี..ร2.ห..เ.ร ป.ง.อื. ี .นิ .ไ.ม.. .่ . ..... .................................................................................................................................................... .................................................................................................................................................... .................................................................................................................................................... .................................................................................................................................................... .................................................................................................................................................... .................................................................................................................................................... .................................................................................................................................................... .................................................................................................................................................... .................................................................................................................................................... .................................................................................................................................................... .................................................................................................................................................... ค.................................................................................................................................................... ่มู ....................................................................................................................................................อื ....................................................................................................................................................H....................................................................................................................................................a....................................................................................................................................................p....................................................................................................................................................py.................................................................................................................................................... Money... สรา้ งสุขทางการเงิน
1 70968 . . . .. ปขกขคคกปคโถขกขใเรขกคกควดนจั อ้...............า้จั ลแยจคยตมไอเมพใไ0แ2หป1จตกาชมมไบุ บ5ยง้ัาารลาณุบุจิมค-–บ็ล่เ้ เม่่แกกกนัะาง่างะกนัม-่ ณไุะมกตไรเกกไบน2ีิม2คเทนิวดคปรีณไดา่วว54ซตกัี ณุ้จ3ใา่ดาณร้อณุโาา่่5%3อืบาอรื้าดะใยบกั้อร%ใดวมขใน64 มเห ยบม3ชซไ็ลเา่ดอ5ขดบีง ฝรเีเเจ้สดอ้ืคงอื%งนิ-งดขอตัน้อืาำกั รทณุนินินนึ้อืรงกเไาร6า ปอ่ี สรซมนไา5ธคนเมยปนค็าเง,อื้ำม ่นาดท0ภีาวยแรรอยีา 0กอื5สี่ ลลัาดอคไอะ0นดไ0ดุะรไางดติดร1% ไ ้ะรบเก คดทท้ผบต0หาเี่งใ้ง้ัม่ี,ดา-อ้อื่รทคช0หงอืยีงอืฉา้้07อมแจลช องนกุ 00ลดงึยงเำด %เลจทะฉ รา่บคยะแนุะงนิาซบจหงท ททคอ้ืงึคง่นงั้จ ไท่ีณุ า้คส้ี ะว1 ำงซณุ นใิ้ จ0แใชอ้ืหทละ,อ้จ0. ส้กุะ.กี0ะ.ตา. ป0.5อ้ม.ร ,บงา0ะ ชเาร0ภทำถ0ทร ดบคะำดาดิ รทอเงป กชน็ เพี บ ย้ีออยยู่ไดกู่ ้ ใ่ี บ 11ค่มู ือ Happy Money... สรา้ งส....................................................................................................................................................ุขท....................................................................................................................................................า....................................................................................................................................................งก.................................................................................................................................................... า....................................................................................................................................................รเ....................................................................................................................................................งนิ .................................................................................................................................................... .................................................................................................................................................... .................................................................................................................................................... .................................................................................................................................................... .................................................................................................................................................... .................................................................................................................................................... .................................................................................................................................................... .................................................................................................................................................... .................................................................................................................................................... .................................................................................................................................................... .................................................................................................................................................... ....................................................................................................................................................
12 เ ฉ11 ล12 . .ย กสไคขคขกทกดมร: ......เ่ี ปณอ้ม เเเไเเขงดงดงน็แกมี ต“นนนิิิอ้ทีลออืื เป่ตมวิ ดบกกกคดดี่ว้ 1ญัอ่า่ถานรรูู้้อู้ื รรเณุ นั ครไจะะไดา้อออ้้ ปหยยามณุดัยทกนนรเาปมะะม่ อ้ครรงัแพยสกกึมน็สีคนีะไะนณุ อนั้ามบัเบหีเะขุรบ่วปสเด่เแชบภคนพเพยีาราชนเใวีพี ดอิา้ีชระหรหบหน่ยนติ พมาน่ยาวอเ้ลรพ,ะขะขไาเา่หู่.อืทมงกัเดขขา้ณ.อฤคงหน.ิลาเีอร้าขตนิงงตคร้กนดงาปูอเคนิกอ้2อพกิกคยู้บ้ีหงเา่อณเุู้งขบาร่ราพปตัค–ลอลใาผ้ารรครกัรอ่ืมชรม1ะอรอ่มเเปะซรองมาแค2อจ้นงเกวันิอร้ืภกลบเีรใยชง>า่ะชขาบแดะททคน>ิำไกรขทตอ้ยา้ดติ รสี่รอนัขนใคง็ำงวัะ ง้ชวัปอดุแใอป้คสณุชา่ นจ้เรม ร แงนิรณุยว่กชงา่แลนิะคคยๆะดยวีลกกจะ=ดิา้จ ทติไแะีเนั เู้ะงมวลทร2ส เี่เำชนิรปา่ส่ยี,นิำว้ วีเยีขหน็นปาขเหดติ ชอก นมอรอ้ รเฯอื่องือะวปาี้ยอื ลขสเกาา่รรานร่ยฯไว่นั ถ=างะว นงั ช”เ ไทแ้ภ?1บรวี ลำ ,ทตคิุ ว้ งขคใไ าดว อ้ ลนบ้ คหฯา้ ลงา=นฯร0ดิ า ยหนไดอ่ ้ ย .................................................................................................................................................... .................................................................................................................................................... .................................................................................................................................................... .................................................................................................................................................... .................................................................................................................................................... .................................................................................................................................................... .................................................................................................................................................... .................................................................................................................................................... .................................................................................................................................................... .................................................................................................................................................... .................................................................................................................................................... ค.................................................................................................................................................... ่มู ....................................................................................................................................................ือ....................................................................................................................................................H....................................................................................................................................................a....................................................................................................................................................p....................................................................................................................................................py.................................................................................................................................................... Money... สร้างสุขทางการเงิน
1คจพตค0ผเบกนเตสค7 เ พปปะวุบาณองวั่้้ีร6ไรล--า้็นรชรใารวาเอ้าหจนกาคมใเว่ กล้ม16ยมพะชไม็อจื่ยพไเุะแ5ใวคทาขจมปจ้รคมะงาแเนร ข้รพณุองั้รสี่าาแยา้นปค่ะ้สปองิ็งหยะหแญัขม่ิตทแมรๆนขะุแมคัจทสาม็งนาพะแมญีดภรทขุจณทแดม่ีดมานแนนูมุงุบานึ้าารยั้สงงทีามลมนเพมงณงัคนเอตทไง:ต่ีว้ีมอเพาปอทนิวีกพาสสบ:ง้ักเุมงบิ่มมาแาอกปทใขุม่ิสขุ:ง่ ขมมงจตทอพาบ้ าภ้ังทภรสขุกึ้นไอยรมห่ยหต่ีูาอนาศัภวขาุาเงินงัยหพมงั้พาก้รนคพภเามใดไกปแรเาถกทม่ิควพจางดีวกี.อตืยค็นงึาไาตัศค.นิพนิใ้.กเาคชเรุ่วณมกหวนงิขพยัรเ ก้วีวาทแนิามงาอมค้จอ่ืใเาิตรลมานิี่ครงลนง่ังตะามคเะแรสรนิคขุณงคกงใกิวอพะลเชทรณอุนิอั่ขแงงาามอ่มฤะ้า้จงนุในิรมลปน้ึอ่ จนเีสดังคหต่าอปะไดนาะคแุขยรณุก้สิตพอมเแ้านมีแอะพวภอง่รมปข่หนฤออวกใาาผระยีาสง็นรยเมตงั มกลมพไลงอแะดูงใสู่ิการมเกาใรนมงททา้ ยขุ หรงั่จงดงาเานาลภทา่รกอส้ รคึงท้งวกนมอาาทยใณขุั่งกยาช.้ีพงงเา่ภำ.คากรกฑ.กจ้พงมใทรณใุาี่ยา่นหาาสม์ิชจ่ัเนพายรวรงต้ี้คคขุาางจ้ คทิทนกอเตกลรุณวภา่งงัอบาแมี่ยรณอิานราใมงขมรรกงุ่ฐทดพหกกาโีเกัเ็งาาแเไี่นง็้จกทอถากแนรษปลนิ ะรน้กับึางรหนิทา ะเเขงคคางตปงสคาวั่ลกอสดววนิรง็่ินไนวงางทาาีมปดาขาทไเรคมมย่ีจอมาอๆีปเุณุนสแะงไกจงงจตนิบดะอตำคำเาดหแเข้แรยอเเอ่ณุ มปปพวรลลลอา่าาท็มนน็กลอื่จจงะงาะ่ ี่ีุ 13คู่มือ Happy Money... สร้างส....................................................................................................................................................ขุ ท....................................................................................................................................................า....................................................................................................................................................งก.................................................................................................................................................... า....................................................................................................................................................รเ....................................................................................................................................................งนิ .................................................................................................................................................... .................................................................................................................................................... .................................................................................................................................................... .................................................................................................................................................... .................................................................................................................................................... .................................................................................................................................................... .................................................................................................................................................... .................................................................................................................................................... .................................................................................................................................................... .................................................................................................................................................... .................................................................................................................................................... ....................................................................................................................................................
สคู่ ร4วรหู้ ารมเรู้าม กู้ ขู้ ง่ั คยบ็ ง่ั า ย รดใู้ ชอ ้ กผล .................................................................................................................................................... .................................................................................................................................................... .................................................................................................................................................... .................................................................................................................................................... .................................................................................................................................................... .................................................................................................................................................... .................................................................................................................................................... .................................................................................................................................................... .................................................................................................................................................... .................................................................................................................................................... .................................................................................................................................................... .................................................................................................................................................... .................................................................................................................................................... .................................................................................................................................................... .................................................................................................................................................... .................................................................................................................................................... .................................................................................................................................................... ....................................................................................................................................................
อ กเจต สดะนื่ดุาัว็พกรอๆททกบยา้ ำ็ไยชเ่าพงปงแอ่ าเยี ลรงนชกแเงทับว้รตเ่นาคซ.่ิงามจ.ค่รณุ.งงึ่้นาิชงหหอณุหง่ดาอาาาเลเยงึบดชลเรราเงๆถพี้ีอ=หยู้ยาถนิหอื า่างยเครเา้ สคยจพาเรนนอืไคดเรวดรางม่ิ เมไาMมิา็กณูุปกงมนิ้อ+รีมเยคกกหนวกิ่ีเาชoหมดอื็ไยมาาไ่ลรอเปรรีดอืnไรจ.า่าพบกา.ืดอรานกเน.ะeาแเป้ับถจ้ยยมี้ดพมริ่ทลยอyาจ้าลไาใไกะางัเด่ีีก้ชาชยปี่ดยมิ่คจมCเเงค้ออ ้งวสทวน็ถ ีชนน ิวhเบ้ น่ืา่าำ่าอ่สรรางเมคเeยดงไมางานมิสร้หาทรนิอืcคยนขาอูปามนิไมรkวไมาองดกดาหาา?ย ใชมม้รดUเรนป้รหก อยราอืถิเกหรู้ ็pบลกู้นรคตไาะคอกทกดาอ่ืจราา่ ว:จวง่อหงำจข าไา ่า้้ๆงา มาอองปเรสเกทา4งขทพาชา่ีย ยคาม่ียีมพี วยไรุอีณงาดกหขชรยู้ ็เ้ไลสอถอ่ใใู่พปหนกั งงม่ิคู่เแทขตต้กปเลอาวัตาว็นลงะงคมมิ ไเทคาาณุดตกจณกุัยมยีาดลอษกเวกาอ์ ปมะ อไ็ชดกข็ดนาองั่มนอช้ รบาัด คงพี าอคคเง่ั ยณยุฯสณุ ู่ก ลรไใดับมินกฯ็้ 15ค่มู ือ Happy Money... สร้างส....................................................................................................................................................ุขท....................................................................................................................................................า....................................................................................................................................................งก.................................................................................................................................................... า....................................................................................................................................................รเ....................................................................................................................................................งนิ .................................................................................................................................................... .................................................................................................................................................... .................................................................................................................................................... .................................................................................................................................................... .................................................................................................................................................... .................................................................................................................................................... .................................................................................................................................................... .................................................................................................................................................... .................................................................................................................................................... .................................................................................................................................................... .................................................................................................................................................... ....................................................................................................................................................
16 พ สออว่ ฤนมตใอกิ หยรญา่ รงมม่ คสกกั ุมณาจำ่ ระเรใสใชู้ชหมจ้จ้ รอา่า่ กือทยยากุไเจเปมรงเนซกดน็ อต่วนิพอื้เรไ็อืเก่อ้าอแกขมอนไเู้ต.มองบ็ใดห่ =บแก็.จห่เง.อเานกแไง้อายอบ็เ-น่ปลคแิ็บนกงสมลออวุ้ณทคเก ั2กนเิ งนว้ มงณุจใ่ีมท0อ่สินช คใงึMีคนิ0 นีเาชเกก้นลปณุวพมบอำอจอ่ น็้าoอ่ าเ่ิมางงึลมงคนอรnทเจนนิใปสนะ่ ถะหมเอสeำลทกปใใเ้ไชว่คอชย่ีพyต็ช่ี ดน็ นจ้ัญนมอ้อ่ิมจ้้หา่ทC1มขงบทตยเานเ่่ีอ10งาใอhห่อหี ชอิใหนงึ่ย%ลงชกeลมจ้ใาอ0อืนรว้ าา่กเcงั อไงธิยราขคหทkปนิ%มนีดยอนำพรอเ้ีไำพไUงทไอือสยดรดดเ มิ่ ุกมาเงงว่้pงต้ ป ้ขยินชใ่คานานลน้ึาียว:ทมรใมรอ าิ่หตๆนั้ง่ีใปูแกี?ชใญท.้ี กแ.น ้.เไ2ี่บใย้ พปอค ่ช0งับนียณุ้จไเตบชงาง่าจา่า คนแ่ ยะงทตค มๆ ่เเี งปแนิ ตลเ่ี่ยคกบ็นน .................................................................................................................................................... .................................................................................................................................................... .................................................................................................................................................... .................................................................................................................................................... .................................................................................................................................................... .................................................................................................................................................... .................................................................................................................................................... .................................................................................................................................................... .................................................................................................................................................... .................................................................................................................................................... .................................................................................................................................................... ค.................................................................................................................................................... มู่ ....................................................................................................................................................อื ....................................................................................................................................................H....................................................................................................................................................a....................................................................................................................................................p....................................................................................................................................................py.................................................................................................................................................... Money... สร้างสุขทางการเงนิ
ก ป อ ยัญฎา่ หงเห คาพสทมุ้ลอฤMคาก็ ••• ก••งบตา่ กา มผo5กิ ตใไเส“เ“มเคราปาพพชมคขใณุรา่ขีรnรงั้กปชน้รรร่ใอเดนริองปุขชคจง้eาายีอ้รบงงมกนก้ึินะะใา่้วไบyแดยชะมคเกยก รอต่ฎกถกเส้กีณเุจซ่อ่ทารานCพรมเาะมวหมอื้นงารยจีซอ่ืใhราใำ่่ลมคละชใใบตอื้จอชชหเเ.ดeาจ้าก็สสหพอยก.”จ้้ารา่.เcกบมากน่็นหอ่แ.า่ยารไ ซาkสดพอคกัตปี่ยมในฉรา้อื้หนาง้ฤ่ถทราขซฟUลถขคางอน้ ต้าะะอำอ้ืนองงัึงราสอก้ยโpงกิ ดจงคงขง้ัอยบึดดมคาระเคยงูวาใพกป:รตเวร”กา่ายงชซ่ิสณุ มวรรยรา?มใ ยี อื้าา่หเเ้าะมกๆ ตปง เเะมญาวงสอ้รโฉนิแรานิกลปงยี่ ณเตใลหาทกฎรอพชบใ่ รโาหี่เาแเ้ชเเปมยงรหอืทแาตดม่ิว่ นิขน็ชล กไลยี า่ร่อา่ อขใดเน่ัะเาเบทบัก็ยหชหงงงอรเ้ดร“กุรา่สมต้นจ็งนิฉ ีาจง อ5คมตนอืดั วคชงุดนออลพนวัเา่หเาวดปัรอคจ คเดกสอมา่ออ เางบระา่จู้ใคานิจ้ลอโวงทะใดชมนรันดะมุ้ คดกชย็ดำบตยคทา้หจ้ไ ช้า”งัลดัไกาด่า่มรวึ่กคมสทออย่ับ้ยรู่บัยพ่รดุอนใาคาใสดใงั้ังบกหงึๆซยุณหคกทรรไเ้ไอื้ -ค้ดิหะ ปาจไี่ดุปจลรณุมถน็ะไแ้ ใเ่าอกึดใอจื่ งลช ช“ายไ ำบ้คนิ ะ้จ.วจ้จเตค า้.ปกว้่าทุด.งา่วิ า่น็ยอ ่ ส่ีใเา่ ใเแชดำ งห ลจ้ค่นินเ้ ะา่ญักไ” ยดดิ . . ้. 17คู่มือ Happy Money... สร้างส....................................................................................................................................................ขุ ท....................................................................................................................................................า....................................................................................................................................................งก.................................................................................................................................................... า....................................................................................................................................................รเ....................................................................................................................................................งนิ .................................................................................................................................................... .................................................................................................................................................... .................................................................................................................................................... .................................................................................................................................................... .................................................................................................................................................... .................................................................................................................................................... .................................................................................................................................................... .................................................................................................................................................... .................................................................................................................................................... .................................................................................................................................................... .................................................................................................................................................... ....................................................................................................................................................
18 ใ นนสิ หหหหหอหแกีตยาาาาาาั ไไไไไไล่ ใ3ดดดดดดชะ0้้้้้้ เเ111111้ดจเงน000000ชอื านิ ำ000000อ่ื กนไหจปใใใใใใบเชชชชชชดุรงลออืน้้้้้้ิเง151891รไกจทมิ่200200มะนุท000ต!่พโออ! นดน้า!ไแกกีีอสิยมเงลหดไ12ม่ยัวเ้ ม2ยีาด00ยเีใเแ0วพ ่กชงงันิลเเกบนิ็ปปอหเ้เงว้ปนัชไ นน็็ยนิหคดน็ลวี เเบิแรงง เ้เณุม้ติตยทงนนิิอื นิมืนล่ าเ่ออ ลMพอไชสิออะหะ่ลมิ่อายัมม.oรวมพ.าใ .ชไ่บยนูnม อเ้า้ งหส่นeยขนิ รำ น้ึyาตคอื อกา่ ญั Cเยงศมกกู่ hรที สนับั ษeำาทค“งฐcนญัาเเีkดงงชรจเเลสิ ปศทเนิวนม้นนิ ดยUั รน็ใี่ยลลชชนชิษใไทหชpะนั้มมา้วเ้ีชฐานลทเ้กนมค่ีเตีวิี งงาตง้ี:า่ ลติวนั่นิ?ยเนิแ ไลดาายบคห?แ”ลองมอน่ิ งนร?บา้ ดขมมนต่ชน่ แไชอนั่ ตห า่วีอตงวี คงา่ นตินแไ่ติ หงงมต ค ก าเ่ล่ นัณกุปะ น็ ค เหพนน ร า ้ี ะ.................................................................................................................................................... .................................................................................................................................................... .................................................................................................................................................... .................................................................................................................................................... .................................................................................................................................................... .................................................................................................................................................... .................................................................................................................................................... .................................................................................................................................................... .................................................................................................................................................... .................................................................................................................................................... .................................................................................................................................................... ค.................................................................................................................................................... ่มู ....................................................................................................................................................อื ....................................................................................................................................................H....................................................................................................................................................a....................................................................................................................................................p....................................................................................................................................................py.................................................................................................................................................... Money... สรา้ งสุขทางการเงิน
จ า่ ยCเงrนิ eลd ••• • ••ออiา งtไตเไใแถวเชตจทมพมมห Cนัใลมำอืงร้ัำบอ่ืรคตม้่่ะทรลีตหวบaถาลแกีวเีะต่ีามจินะงตจักูเดrรรมตดอ้นิกส้ีติสd ง้เรอคม เงรอMม็หินอจาท กบทา่ชยี บ กี จรธา่พบน คไาเ่ีำกเ หตัรoวยใำรบน รใะบ้ีเช รบว้มกรนะรใย้ีค ิnตัจม้า่ชเ อเแบุ็งาวบทข กจา่เeจ้พ รยะหนนถา ต้ตัะา ่ นิยกเง้แyงะา่ในราย้ีรครหชตลขตบัรอืรไง2นเ้ัมดรCคัแาง้่อตนู้ต่ทไรไจงลเดใคมรรใ้วัองงอเ่ี้ีhปาบนหปดฟ่ ดู่วตติคนกย1็ใน ี้eพ้ตนิ็า่ ช เจบกาณบุ0สา่ขพชบสจิcา่มาบ้%ตังไอออ“ัตาอ่ืยงูรkตอลเบรรงตบัแกปวถรล“–แยณะลรตเัUลอ้อืพรเมคคถ์ะดูอา่ ง2บจาราเรพนดิึมฤpกงบรยคีะ0ซตั ดไใไาอไ”นัตตั%ดรรอ้ืหรติมดยเ:กกร อใกิ? กด้ดมค่กใ้พคอเาขาช ครกวีาอคี่รยรตนิูเอส้รรรรปอ่ใณุทนา่ เงใทชิดม.มรนด็นดี่รชผ.สจ้ติธหีว็ .ใเูา วจแ้ี มาฉ่อ่ปิมชเยน่าาไ่ตปยพบบ้นรามไยค.้ี ใ่เน็.กะดัตาตัก.ชทเา้ ่ใโงช ะ ้งเิหนิร้ยห ีถนิดยไวีชวตชต้ม้าลออติน่ ำา่ วันใยร่ดรงจัจดิค อ์จู้ะา่”(ติะเ รง กกังยหมใ นไิรตจตา่รเีบัมอแงง ออืกี นิ่อคบลดนกรยพมะุ้คอรบักั าคออดูบดก บา่จใกั มหา่“ด .ยมึน.ต้ว้ .ช?ยตนัวั ?ำเ อสอร?น”์ะง) 19คมู่ ือ HapInpvoyicMesoInnveoyic..e. sสร้างส....................................................................................................................................................ขุ ท....................................................................................................................................................า....................................................................................................................................................งก.................................................................................................................................................... า....................................................................................................................................................รเ....................................................................................................................................................งนิ .................................................................................................................................................... .................................................................................................................................................... .................................................................................................................................................... .................................................................................................................................................... .................................................................................................................................................... .................................................................................................................................................... .................................................................................................................................................... .................................................................................................................................................... .................................................................................................................................................... .................................................................................................................................................... .................................................................................................................................................... ....................................................................................................................................................
20 กตเฐห เสรพาลร้อญั ม่ิ รนาะงาขะยหญะทัดคไาแนมนสยาลจม่กบนเณะง่าวไี ออ่ ฟนิา่ยนเยจแตก าะคดคู ้รอื งรวู้ตกนง้ัา่ กรม.ภ.ำะปี.ลพยั ญั ังครจเนหบิ มะทาเลตอื่ที่เำรอื าใบ่ิมนชงMกากเเคเ้ ดปกงราoณุือน็รนิะลพดเสnงเมอรญักนิ รeง้อสี บนิิญสyกนญั เังตเ็าเตกรเCณกญวั่ืออือื hใตงบ นหาเุดeเงทก้อณูวินcารข่ี่ายตkาไคอ้ ฟังบวั ุณแไUไวแลมมา่มดp่ตว้กร่ ีอง?อรำา :ะลด ก หงั แาในลรชักว้ เจ้ ห ถา่ ลยึง่สาเกนถนิ ี้หาตนรวัะือขไกอมนิ ง่ อตเพยนเู่รเกอานิ ะง.................................................................................................................................................... .................................................................................................................................................... .................................................................................................................................................... .................................................................................................................................................... .................................................................................................................................................... .................................................................................................................................................... .................................................................................................................................................... .................................................................................................................................................... .................................................................................................................................................... .................................................................................................................................................... .................................................................................................................................................... ค.................................................................................................................................................... มู่ ....................................................................................................................................................ือ....................................................................................................................................................H....................................................................................................................................................a....................................................................................................................................................p....................................................................................................................................................py.................................................................................................................................................... Money... สร้างสขุ ทางการเงิน ต้องหยิบยืม / กู้ทั้งใน และนอกระบบมาใช้จ่าย ไม่มีเงินใช้จ่าย ในชีวิตประจำวัน หมุนจนหมด หยดสุดท้าย / เร่ิมกู้ตรงโน้น มาโปะหน้ีก้อนนี้ ได้รับโทรศัพท์ / หนังสือ เตือนการชำระเงินล่าช้า เริ่มจ่ายช้า / ขาดจ่าย ชำระขั้นต่ำหลายเดือนแล้ว หยิบตรงโน้น มาโปะตรงนี้ แต่ยังพอหมุนเงินทัน ผ่อนชำระข้ันต่ำ 2-3 เดือนแล้ว เงินเร่ิมตึงๆ มือ รายได้ เร่ิมไม่พอกับรายจ่าย
จสหม ะรายเถหหยใมเดมคดา้กรรนอมาุ้้งดอททีีุรนงึเาาชไพปดใอืกคกจปาาี้ คมหวี ญคังงยเะีเา่ำรงบติเ่ค้เเมกดิวลงปะลลนิหคปย้ีถ“ณุพาเีเบงัั นออ็ืืสผงภากมตเร้าณุ อกนกิกกปใหอ่ทคะกตัอวู่้หาา้ทอเน็จนนแำงอกพอ้นัรค้วนนื่ำดี่หลตวหว้ีนื่เงสยนีำณุวปๆดดนัิะกีนกอนหลวู่นงัล.้ีไน็แนใวาบเ้ี.จ้ีพงรมนขMอพนงั.รกาล่หจ.้ีะขอืคอ.อนอ่จนองระ.ดมรนไอ่(อผำงกาะ่นดใาจี้oแเมผีWอหี้ชงกเดจถะอ่นจาาอหร ล่ใnรกค้ะaอืกนาคอ่าากคCคง่กอืมnกวนเหเชตมeหหเรบจไtราhปีบดกิหำร)เเนมyา้ะมนยี้ลปพeญัายร้ี อืนหทเ ี้่จรอโะ้ีป็ทนcไCา้มหดอื่นบ0ำเหงมเkงขปั้ น็เาาร้ีหห%ตรยhนป ่ห้lอรน็ทาาiอหย่ยไ้ีไsน็มตู้eยจหามปกดุ ดุtAนดนวะัองcน(าจ่ตคเกดอนค่ืทาN ้ีดรkใ้ี ำดลทิ กีาชหนหูใต่ีดิeอื เอรแั้งชทห่ปeUรอ้ดร เดหลจ้1dกงีอืรงนอ็ืระรา่มนิp)อจื5 ห็ อ้ถยอยห ดใา่ไลนาด นยมเงั:รวดมห ฝอ? ่แอื มตอืรนง่ั สเตอืวหัปนาดวัไเคร”ลองมกอืตวงา่ ่ไู้ สไ ก่าป?มากอ่ เ ร ่ สนาพรยีกดักแอ่ ส่อลหาหว้ นจรนไไไำี้พหใใใมมมดAเ้ีคชชชปนัามมม่่่งั ร ่่่กน็สน ีีีั้งไง่ิ ี้นมล้ี.อ่อ่..ยใตไไไไไจมมมมมมาอ้ ทกีเไแแแแแ่่่่่งBหพ่ีมใกนนนนนห ต ่ราใใใใใ่่่่่ ห้จจจจจุผอ้ร นมลี้ 21คูม่ อื Happy Money... สรา้ งส....................................................................................................................................................ุขท....................................................................................................................................................า....................................................................................................................................................งก.................................................................................................................................................... า....................................................................................................................................................รเ....................................................................................................................................................งนิ .................................................................................................................................................... .................................................................................................................................................... .................................................................................................................................................... .................................................................................................................................................... .................................................................................................................................................... .................................................................................................................................................... .................................................................................................................................................... .................................................................................................................................................... .................................................................................................................................................... .................................................................................................................................................... .................................................................................................................................................... ....................................................................................................................................................
22 หไกห ปเรนป.ู้ พอ.ืแเี้ น็เ.ปคลจ“จ่ึงธกNน็ะดิใะา้ นคหสหสoด.ู้ ารถn.นงนิ่อคทแ.-มทาน้ีCปี้กลกากุกบBสีี่hอเรรว้็พ“วบนัaญัo.ู้กะสนัn.หรยiี้“กเรc.ญภหkร้อนหรไาะe”ใทาม้มอื.รี้าบนนน.ทง.กเทเ่นใอบ้ีงใก้ีใจงรเ่ียู้ไนเย่ีมี้นิกนรนิราก่มะมืา่รทีาทไ็ยียทบันรว่งถคดะง้ัไ่ีกา่แกี่หบะบกูนุ้สม ้Aจตตบฎันบถตเeใ่ะหดิคก่ชหoไาหบอ้”ปยรปnธ่บำมงนั กกานอืหจนัาหไแกบันัายดัากปนรลวคดบกาทอยื“ะา่อาีรำรห าารFห“เกร งนงกBiดถนหไrนิรน้ี”หsaหหาดรา้ทtะnเอรน อืนแจบงม ่ีkเ อืทก ตินปช้ีำ”Mกับลตง้ั“ค่รญิ กรเเว้ยปเโู้ ดขะะนู้หงทนชoอบเน็ยนีิใส“ภล.ีรวเนดบน.nจดใว่ตศานท.เหหอนส”วก่ง?พัeอ้ทนว้แนินญัรใหห?แทำงจy้ีงหตกอืท3ลนตญเก?ะนส์ ญค่งแู้0นันาพCอกา นิู้านลี้นยเ่คใธงตอบเนมสhจะเสอวาอปณุา่เกาดงูอื่ า่าราหeรงทน็กหอรรยณอกบัน็“จc”ีหดักละพนนรัวเทะะบkงนเเงัฯงมกุันออบะว่ันิชโบเร้ีลบยตัธาไงดแู้Uย้ี ทนอฯเ?ปนิบุ์า่ภิทยบปบนัฝ งจp ตเบาจส่ีรตไดาทะ ยาะรยงีูไหม็า้”ีม:ใไหใเ?บนช กนกนมเ หนสลข้นิก็ ้ีใร่ ทรานกู.อ้จู้ไจู้ .อืไงั้หดรค.ะรฟๆ หะงิ”ว้นฟบ านั ี้ ทมบา้ หร่ี กนวู้ ็ดาา่้ ี.................................................................................................................................................... .................................................................................................................................................... .................................................................................................................................................... .................................................................................................................................................... .................................................................................................................................................... .................................................................................................................................................... .................................................................................................................................................... .................................................................................................................................................... .................................................................................................................................................... .................................................................................................................................................... .................................................................................................................................................... ค.................................................................................................................................................... ่มู ....................................................................................................................................................อื ....................................................................................................................................................H....................................................................................................................................................a....................................................................................................................................................p....................................................................................................................................................py.................................................................................................................................................... Money... สรา้ งสขุ ทางการเงิน
แจดอ2ร น ซ เงาต0ย ว้ทอ้ืู้นิาก0ยา่น่แยผนัธง,าบ0ไนหอ่ส.ยรบ0.าลนส. ะ0คเตาดะง ตดรนายดวันิบู้หอ่รวาคออวผายรเกยนกแดทกืออส่า่ลจซอื ไะเง:นำว้อ้ืบอม นขดตน โแตั ่.าด้ย ี้วอ้.ำบงร.กเยงเลาบงงจวแใดนิา่== ไเชา่ิธนิลงคงมอ สยีคส้นินะดิกกไ่ดทดิดนนิผคี้ดดเมจ ู้ำอ (บดางอ่เค้ำอใเาชกยพงนอยหี้นดิกซเอ่ืนิสวกอเ้โบดเอื้สนด1ตทบบทเย้ีอ บยเี2ยน้ย้ีราี่งำบกดี้ยน%ิยใใจลา้ดเาชหกอทาบซนดอนสู้้กกค้่ีตยี้ื้กอ+คตตนิดยเณุเจ่าช2บอ่ะาบ้(เอองา0อุดไชเปใยย้ี้ี กกดกข0หทตัอื่รโแีมเ,ัาน้ยเรฮวบ้0แบทบงาใามอเม0จนิลจกรพย้ีรี่ดบจ ดำ0วะเตา้กิกอไยีนคะธเ==รธินมก+น้วงทาวงียะง คีเคนิล่า่นเทร(บยำเทพ7(ดิปาด้1เทตใ งย้ัี้ะ7ด2 ่ีใดร2หก)หล่ีอตเ,,อหื%5าว03 อต้ดอ่ดรมนะ5บ้ล16กป ์ิพอทลได66 xารเีมกตี่งร ผบxกิ3xบ รอ่้เ้ออ่ยจี้าบา3xวงู้ มำรทนม6ผี้ยา่น2 ก)ชอา่เท0วสจกนันำ-น0ี่ตว่า้ร ข,ปหน20้อะนร้ึที00นนงุ่น กี่003จม้ีาเ,ู้)6่า0ยxดวี ย0สธิจียเ0แำบคีดว นต ดิากอื วกยดนันนไตอเเปงท่ากรนิ ขงา่าเกกกบอค)ู้ ันนักยี้ าู้ 23Flat Rate :ค่มู อื Happy Money... สรา้ งส....................................................................................................................................................ุขท.................................................................................................................................................... า....................................................................................................................................................งก.................................................................................................................................................... า....................................................................................................................................................รเ....................................................................................................................................................งิน.................................................................................................................................................... .................................................................................................................................................... .................................................................................................................................................... .................................................................................................................................................... .................................................................................................................................................... .................................................................................................................................................... .................................................................................................................................................... .................................................................................................................................................... .................................................................................................................................................... .................................................................................................................................................... .................................................................................................................................................... ....................................................................................................................................................
24แบจใะบนถลแEกู ตผดfคfล่ ตดอิ่eด Cะซจนน้cอค เอ้ื ดาhtกลสขM ณุ กiสอื เveเ อดบ บเงนะงeชหกcoนดดิ ยี้านิ อ(kรลจยู้ ผRอวnต เบอืดงา วกaกอ่น้ eUนิ ก) แนั tคนว ตบyดeธ pงหนัตน้ อบ เน :นหนอ่ ลก : า ลเดา้ ้ีเ ดคบ อื? อืายี้ รน > > นน== ำ า เ ยสตเเคยงบง อะิด้นนินิ ย้ีส ดมลดตสน ว“บ1เอด้นสดอ้ดก ก-าดยีทยมอเจ บยเอ(กั้งึงกาว เ1ยี้ กกวใลพซเร:1ชบา่้+อ”าวอื้ รน ้บนี้ยไ-มออาทาป ร> แตั ตั ะยิก2หำบร>รตส==ใา0าา(าบหดะจ้อ 1ดรเ0ผงคดำ2อ้ผ3(เอง,+นนิอ0ง่ก0งว69ก0่กอวิ0นกเท,ก0น,0เ.บ116นน10าบ,ผท.ู้00ถี่”ใ 40ย4้ีเ1รยี้นหง0่อค่ีงึ318ต ตคนิ ้0อบค)ธ้นดิอ่ อ3่xบก วยือาเนขเ2 ู้ดา3ดาทก“ทอา,6อื อมืคด8ว ง)คนนสิ6ดอ่สาร)- าแ่ว8กด้าะรน2ลนเดอบบ 0ะนผกวา0ยี้ จาู้ขเทก,แ่า0บยา บย0ส้ียย0ดบนบจ ลอ าซาาดกกยยึ่ง.................................................................................................................................................... .................................................................................................................................................... .................................................................................................................................................... .................................................................................................................................................... .................................................................................................................................................... .................................................................................................................................................... .................................................................................................................................................... .................................................................................................................................................... .................................................................................................................................................... .................................................................................................................................................... .................................................................................................................................................... ค.................................................................................................................................................... ู่ม....................................................................................................................................................อื ....................................................................................................................................................H....................................................................................................................................................a....................................................................................................................................................p....................................................................................................................................................py.................................................................................................................................................... Money... สรา้ งสขุ ทางการเงนิ จำนวนเดอื น 36
“ตผ เไ กหมอ่ อ่ นิ ่นใสชนไ”ี้ขุ ป่เภหร ไาื่อนมพCงถใต่ เี้นเทา้rา่ส(ยeงทอีาย่ คุ อdายหไทะงหiา่ ไาก่ีtรงรย“าCกนห.ร่ร.บั ้าเนั้ นa.งยไ.นิr”ี้ไข.แมd.)มรกห่เขนังรลออนใาานงีกยคกั ตเตเสวปวเั ่อกน้ รค็นไเ••ชณนุิ ลสป ำอืว่ไเอปรมตกหสตบสหนดหงนะิาาอา่่้าอนหน าห รกมนเคห เนี้ี้กจบดชนเดาทา้าทง่ึราอืัตำรืกเ้ีอี่เใู้ฯจาด่รนกหถนรปนไัละกอืกเมชเหล หพฯคคนวีาาอ่รแน่ิวมระติไ่รยลต้ีอหบสมเดขใผะ่ปถ่ืนมนคห่ใอเิต่็ทอห้นๆากีุ้มม้งคเไ้นา่คจ็ มหีกคม5เุไณะนบชานินหว0ห่คสก่น้าไ้ีรใร%วม1ว่เหมนคก่รดน0สจ้พ่วมเนิ %เใกไินะคบรีหอไภดไินเว็่ปาคดเญชา้-เหใุทมื่อเ้รไช3่ ยพมม2สา่กะ“้0จอ่ า0นรเ่ห่วกา่%าปมะ%านั้นรยนาพะน็เ รบปใรี้สยขอภูนดขุคมน็ ิ่ิงนอดอกบาคคอหี งอีงราัลตนัุณรนรื่เนระพรตาาม”ี้ผผผๆยแยรรา่่ออ่อไลไาจากดดนนนกยะงะึ ้้็ 25คูม่ อื Happy Money... สร้างส....................................................................................................................................................ุขท....................................................................................................................................................า....................................................................................................................................................งก.................................................................................................................................................... า....................................................................................................................................................รเ....................................................................................................................................................งนิ .................................................................................................................................................... .................................................................................................................................................... .................................................................................................................................................... .................................................................................................................................................... .................................................................................................................................................... .................................................................................................................................................... .................................................................................................................................................... .................................................................................................................................................... .................................................................................................................................................... .................................................................................................................................................... .................................................................................................................................................... ....................................................................................................................................................
26 ในแตล่ ะเดMอื มนาoคกnณุ กeวชyา่ ำร5Cะ0หh%นeสี้ ••cหนิ kรหหหเรคครทอืดUถาณวุนนนง้ั อืไยรยมี้บหสี้ ี้นpจใไนัตห?่มนิดาต ร: ห้ ร้ดก์ใ เหนวนคเกทมาท้ีแรากา่ดตงั้ รมหไไิต่ลหมผมาะรว่กเห่ดอดา่?่ กรเนคือก ือวณุนนริ ่หากนถจนคะวี้อ้ีสวกา่ าาจรซู้ จยอ5ำอ้ืหพยน0บนันู่ร%วา้ ักาธนนวเุ์ไขเกๆหงกอินินนซู้ง2ไกรทอ้ื ป0า็ตี่รใ%สยาถชำไม้ผหดขเ่อปต้รไอับมนน็อ่ ง่.................................................................................................................................................... .................................................................................................................................................... .................................................................................................................................................... .................................................................................................................................................... .................................................................................................................................................... .................................................................................................................................................... .................................................................................................................................................... .................................................................................................................................................... .................................................................................................................................................... .................................................................................................................................................... .................................................................................................................................................... ค.................................................................................................................................................... ่มู ....................................................................................................................................................อื ....................................................................................................................................................H....................................................................................................................................................a....................................................................................................................................................p....................................................................................................................................................py.................................................................................................................................................... Money... สร้างสุขทางการเงิน
จเ แอรต คหย ป จพบัาา่ลงิ่ร้รอนยกยรเอะมบั ง้ีนพาาเท.บรอื.ทะอม่ิ.คกนัู้จคกหา่กห า่ ักทรบัปไาธรยวหับทีกป••••รส•ะลดุรครหร่ีบญัง่ิ รด?่ิหมถหสเชกสณุ มบวจหำา้เำารหหอ่มาดยรนาคเรรปุหทนทลหหนงแัจยี ญัจะมอืหก้ีนงั้ล่ีไนปนามคัด.้ี มปทกนีอ้ะ.ี้นบตก้ีเ้ีรนืก.พเหใ่ไรขน่ีสิอั้Mตท้ีตึอก่หหาดกึทารยไันม่ิรรงั้รรลกษ้.ด้หนอษื จ.ำยแเีหห!oอ.ขอคไอ่านบัาอ้ี!รมไมมนงใผ!อnรงเงจกหยคแสกไ่ี้ดใอขดมู้บดา่หeานน่รหดยีใบยอั้ยิตทปี อยๆงหว ีใด้y้ขด้ีเเ่าเรมน่ีฉดุสทพกจร้ ออีเฯะกกนบีกอีCลกาาล้พกวสงลค็งาอเู้ป็ยหนบาิเธิคบhรงฯแรบงพดลมนนู่ิป้อหกีปกณุไeยเ้ี ดเิอืกเมพมั้ีญาไ้ลศกั เเพเcกแรขลยอ้อ่พมหอื่ดษหห่ือณkบอ้อ นือยใอ่ืหาาอ า้ลหนาบกะนาท์ขสน่ืนUทมสดกตร้จเผนั้อาๆด้ีกัดุวู้ั้า่งภอ่ใเู้คงลpจม“ชิ ยา่หม?ไสาอดื3มเ ยี่หป ๆาปรมะ:จหีวโทนตะสว นด็ำปเชนททห้ีนอั้านธิ ไหะาที้ง่ีตงทดนี่็วว ีหญนหง้ั้อน้อคท ี น“”หี้ นงเกมนจี กี้งหมจ้ีทเะแนเิวีอ้บร่าดพดี่มตนผนิยอืยี้ เียน้ใี่อทอ่นนยใัแนวกนยน้ีา่พกัแเเบัู่ไใแมตลพกงตหหดตอื่อ่สฎะร้อ้หรกัป่ลหเดุาหด?่งมหะะรลใมพอืมหเดนบวัแดานูดแีห้มไตี้ไนยือตดคปมตล่ดสินจ่ยุ้ยดเวัะอใยพัะเาเไกกหกดรทกปใอ่ื ับอ่ช่ิเม้นอืำหแบน จค้ใน้งอลาย้ีห่าา่นยตทว้เยห้ชยลคใอ้ าๆนนน่ก”งางง่ ็้ี 27คู่มือ Happy Money... สร้างส....................................................................................................................................................ขุ ท....................................................................................................................................................า....................................................................................................................................................งก.................................................................................................................................................... า....................................................................................................................................................รเ....................................................................................................................................................งนิ .................................................................................................................................................... .................................................................................................................................................... .................................................................................................................................................... .................................................................................................................................................... .................................................................................................................................................... .................................................................................................................................................... .................................................................................................................................................... .................................................................................................................................................... .................................................................................................................................................... .................................................................................................................................................... .................................................................................................................................................... ....................................................................................................................................................
28 ปจลา่ หหไกย2ยมดอายมฝเรค่ดอต่ าหา่ชดิ หนยยม็ ำนดคนรเจ(หอา่้ีะอี้ ำเ3ธกหต งน0รยกอ่ืปเนุ บรวนาขร้ี–า่ มยี้รน1ะ้ไองรเทน7ขส นะ–ไ0อำรยีห/รแ%มุป2มวฮเหใใหา่ทรนปแหนงรค์คลทกี ้ี อืเ้ทัน/>กาผ่ีปค>คิแรกอ่ข(า่ น็กเแนบัHปนอจจบากไลชรรวaราง่่ทiบัจาดำทตrจโยรราอกจเา่อ่Cาจจะขสำรยนรuา่ะงนนั้ณคอย/ยีหtอใว)ตนื(งนคผีอนRนทขหำ่>ปนืดิก/ก้ีเไe>อนง ีปจหนมล/fารในิ เ้ีจiทาด่ันาหบปอะnรทา่ ใยชยส้ีด่ีค้น็ดาaยนเต่ี ำตะว่จดิงงอnคหรอ้รเนวสดอ่วรนืกูปcงะนดทลว่อผใจeหแเ ้ีๆ/หบเี่ากนอ่)บหนา) ห้ ยเี้ขน โบเี้ ลขบดปมอตใอืใยอ้ีนยโน็ดดำ่ใใอแลยมหเน แนงตเีขท้ลดออนิงหล่ ึ้นอต่ืันัะกหละดหนอรทอ้งกั นยายไวหน ี ปขปดู่ก ้ีดุ ครนตกับไหกระม/า่ตทค้ีงกั้ รงอ่ อ่ทิเเๆนวัขอืดจหตี่ ยไ่ีาอเยโีรมพนเมดาหอ้ชวจผ่อ ื่ี้พกยนน่ างดชิโึงถดุ ตดขคำนขพดกูอยราอดั อนือะฟขมลขใหกอจ ยท/ดจอ้ เนสาา่ขบวหงี้ยวข่ยอยี้ฯงศนนเอพงแลหวา ี้ลลทลลฯนอลดดั้งะาไ ี้ ห ว SStteepp 12::.................................................................................................................................................... .................................................................................................................................................... .................................................................................................................................................... .................................................................................................................................................... .................................................................................................................................................... .................................................................................................................................................... .................................................................................................................................................... .................................................................................................................................................... .................................................................................................................................................... .................................................................................................................................................... .................................................................................................................................................... ค.................................................................................................................................................... ูม่ ....................................................................................................................................................อื ....................................................................................................................................................H....................................................................................................................................................a....................................................................................................................................................p....................................................................................................................................................py.................................................................................................................................................... Money... สร้างสขุ ทางการเงนิ
แจลา่ ไผะจยดหาอ่่ตส้ ยยนอ่ว่ ดุ ๆชในหกำหลห้อ่รสหยดะมจหคู้ ร ดุ า่ดนดอื ๆย ี้ ใขี นไ ามชดค่ น้ั จรศา่ บาย (ล รจ ยอา่ ยกเจไฟมรไ่ไจอ้ ดหางวร้ หห บั ยรหปยอืดุ มดลึ จาอทรา่ยอดรยศหพัห ามนยลา ี้ ์ ยศถสกูาสลงบ่อเาจจฟ)างยั รด รคไยดอ้มจอหบดัั ว่ง่ไาแปมคเศนพงปศดานิาตรค้ ยาีลเ(ะาดดล1ทนมอื( 0ี วคอทนงปดมว ห)ี แหี งน*พหน ี้ นง่ ี้ )ไ ้ี มม่ ใี หย้ ดึ 29คมู่ ือ Happy Money... สร้างส....................................................................................................................................................ุขท.................................................................................................................................................... า....................................................................................................................................................งก.................................................................................................................................................... า....................................................................................................................................................รเ....................................................................................................................................................งนิ .................................................................................................................................................... .................................................................................................................................................... .................................................................................................................................................... .................................................................................................................................................... .................................................................................................................................................... .................................................................................................................................................... .................................................................................................................................................... .................................................................................................................................................... .................................................................................................................................................... .................................................................................................................................................... .................................................................................................................................................... ....................................................................................................................................................
30 ไAห ยแธจแขเสเคเ เ ชปคคปนา่บบBขุอิ่า้งนน่รรยงขรขางCลอล้ีดขยีชเคธึ้นน้ึก็ีดรกง็กบิตอแำนาานิอลรลตเริขลงยาแกีสิหต3ะว้คอลไติสAบตเอรมส“หทดยงาูก่จBแงยป)์ไตอื่โวูาครลอ้มเะตรCจู่หหีงนวนไ์ขุณะาอ่าปทไ่ห…Aดลลเนยแดอนกล“ใรBด่ีาเ้กั“ลลค้ีตหหขรุย้งคมะC.ีแปัว้งน.ไวอ้เก้บลั มาัตว.บหไมรพตัมคจ็มอือูซคกิาหมะมล้ทะินน่ลูงนมกณุึ่งนขจ่รหสือ็กคขเ่ีสคาน่ัาื่อ้ดอมุครคนน3ุ้อนยถลนไกาย้เ”ีตัวกผ้ีงหทมาหทิงสผรแลเปัสบิบคู้คคน่คนู็จกว่ัชตดติ ำี้กนันิไวัอืวห้ีรไ้ันับำจนป่์จ”ปปาาดกเรอรรคช“ดัมรระะ แาติอืสยสิเงะอรำื่ทชหเรจลปบถชกพัวกรเำา่นำา่้เว็งโูาอน่ืนัรษ่าา้พูยดงรหใี้ินบมะเงเหาลทน“ฯครปอรหันนนั่ไคเเคา้่ ื่ลม้ีอม.ุ่ืนาคณค่ีน็กน้ใาช.วMรฯ.หะงอ่ืง่ๆธ้ีราาทา้เบดิตจ ขา่ชชส้รมนเทดึถ่ีรoงปอดิยอ ำเจถ่นาด้ังงติจว้วรน็ะะงคnแาทีใินนแไะะเบแบปบบดาแรห่ีตหeจจสแรตรนัลรลโูน็นระลนถ่ารyะ่หลก้ววก็Aพิงา่ะวมจห้ี”กู ชาะาBแตมล่ากิCจำมารกทสกีวคลCราสปิลรเดอhิตถลบำังุ้ณงรวถตยรจวัเทนิลูณกาeวกมะา่เ“ะวจ์เบพาาหลรตคงcแวาไ็ีหา่งาัยนจิาิ่นบนมมขดิkัตกรกกนทาไกแี้้อ้ีม่มลตแาดมิร้ีขกเนักุหUมาคนรแีีป้ก็นณอย่ิตคาร?ลเบูลน่รรงงลชpารารเบะ อลดะธินงีอง้ักวส.ิคขู่ืวโก.็นินนขติน:.ิตร”งตเอัตลๆ าอพทอมุบไใคสิิก”แ์เหงมยเหี่รตัโชู ปาตลคปารมาใู่่ไสิม่รนรขน์นุณ็ะ”ะดรนั่ นิ ่ชกอ เแะดA“้เจคเ(เกำงปบชาเคBะแูทรคธรอลอ่ื็รนมลยCดนะ่ีไรบก็ไชีครผกติเมาดดงลดกัทวำคู้บเู้่จติเน้ตสิิง้ษวา่ียรราโู ัดิิมดตนดยรว”ร็าังะ ี์.................................................................................................................................................... .................................................................................................................................................... .................................................................................................................................................... .................................................................................................................................................... .................................................................................................................................................... .................................................................................................................................................... .................................................................................................................................................... .................................................................................................................................................... .................................................................................................................................................... .................................................................................................................................................... .................................................................................................................................................... ค....................................................................................................................................................ูม่ ....................................................................................................................................................ือ....................................................................................................................................................H....................................................................................................................................................a....................................................................................................................................................p....................................................................................................................................................py.................................................................................................................................................... Money... สร้างสุขทางการเงิน
แใ กยลเ แ แแคปกทลผตงงัวาลรทจราะน่คบียเบ้มชัมนุ รทไมบีวเตนั่มน้ัแวี่อสื ิตเน้คตเ่จางย่ีสหเงงชะล่ รงหถท•••มแลใไปนะไานงึ งั้ลวลืออืปดลเปรรรเอ้ปังะนอว3รมอ่้จููู้้้จจลยจจนละ็นกะยาลงาัติาอ่ัักกไสาเาแกาใยหกภรมควแงิ่ตเหนรงนไ คเนทวิทตลช เหม้เ่นทอ้ ดะง้ีวย้ร ว่ เนถถ่ลเยินเพ.ิยนา่ืพอนุอ.กอู่ือืเ.งผนใรพทอื่งงเยทหถลู้าอทปไมเายี มะนถลุ้งมนจี่งน็รงกูือดทาอืงึรส่ะเู้ใวบนหรเอกดนสุจู้ทู่ค่าสนัถู้รากงะใา จวน้ แง หไนู้ึแาเี่นเะราคปดบชลอล.เ้สลมม่ิ.หจขยััะยี้ย.รถะรวงตมตจมน้ัไใู่เเา้กทงึงนยขขัดนู้้่ัอง้าางแเินวุนทค้ะธาเงวสต้รมย่าสดฝกกในเั่มง่ีกมลรจMพน้จาบัว้ามางผทีดะาาคกทกรื่อไคยตปลจ่ีงัอผหุง่ัณตoาายอานกใตะลองรลรนจ่ำมะชเรnสอรวัอดเตอตหไกะว่ฉดวมลงีครeองิดอทวยสยยอห บอกอบงัณดุบyใ ดๆตมงนหัตตแตินเกว้กสีรา้ีแรCค้ิเทัวอ่ยคอำะมิ่รลขณุงทแนทhผหกวยงจะท์้อถ่ีดาเศิาการะแมทาeด.มมรทีลลบัเา้มก.ีเา่วcีลต.ยวงมาห.ว้ไลข.ิน kงงสั้สังง.หั่งหล ทก้าอโตกู่อคคู่ราดลราUนุเอา้น่ัง ่ยสรวนอืง รรมไคลีpยทาเเเำ่ยดเปพงงนรขมหุนทินง้ัเน็:ทวรอรมมน? นเุาผย็สี่วฟงือา ะง่ั คทู้ทนเนน้อคชแงมี่ใ“ากชแไนงั่จ่ลกงคี ัดมาค ละเาววเล่ก่เไเงรศาฉบดหทือรลมรีย้าิน่อนกนุงษมนดนทตกฐง่ั เเแรจนุากคคขาับมนตจ”ิร้า้างั่ ่ 31ค่มู ือ Happy Money... สร้างส....................................................................................................................................................ุขท....................................................................................................................................................า....................................................................................................................................................งก.................................................................................................................................................... า....................................................................................................................................................รเ....................................................................................................................................................งิน.................................................................................................................................................... .................................................................................................................................................... .................................................................................................................................................... .................................................................................................................................................... .................................................................................................................................................... .................................................................................................................................................... .................................................................................................................................................... .................................................................................................................................................... .................................................................................................................................................... .................................................................................................................................................... .................................................................................................................................................... ....................................................................................................................................................
.................................................................................................................................................... .................................................................................................................................................... .................................................................................................................................................... .................................................................................................................................................... .................................................................................................................................................... .................................................................................................................................................... .................................................................................................................................................... .................................................................................................................................................... .................................................................................................................................................... .................................................................................................................................................... .................................................................................................................................................... .................................................................................................................................................... .................................................................................................................................................... .................................................................................................................................................... .................................................................................................................................................... .................................................................................................................................................... .................................................................................................................................................... .................................................................................................................................................... ตรวจสอบ ทรพั ยส์ มบตั ิ ของตนเอง
“ รไกท“ปสาสบัำยบไะกรมไก้า้าาดไงรดงม้คใวรชใม่่าชิเนอจ้ ใเีค้ซงชา่ ัยยยนิย้้ืจอตกสอเ่าสกาางยย่ิง็บสมรา่ปจกงัยใำพรไชับเมะรป้ฤจเจั้ยค็นเ่าำตดวพ้าหเย่าิกสดอ่ื ว้รเักเือรงเือปยงทนรินชน็ินีมต้อ”รค“เเกดปาพำรบใกือปาถ่ือหวฐนรน้ิาังใ้สาหมขใหจนาทชอน้ราทมส้จู้วง้หียกึ ม่ีาฟ่า่าไาอรน่ั รยปคุ่มถจคบำเาเไาลงฟงตหสกยทสินดืออนรเู่ ล”บไยปะราหดะมไกา้ยพมัขสดหาไค้ อด่ิงด้ไกดมยทมงาน่้าทตทย่่ีรฟย้สอ์ี่เในาำรชชุ่มยอกงามเวี แเอจา้หติฟยคนงเบาทาพ่ ือง่ไมมตกี่่ตหาัียยยาายำงนตนปาขิหแขรั้ง้ันคนู้ึ้นตทอมรหเ่ดัวำรเละงรไใรวิม่ จา“หววต่าาตยต้ มใ้เำคเ้นรตชนอ่งทวเาจ้จ่อไดรั้งนสิเปด่าหอจยาย อบื ัลด”ัมงองันชานกา.ะ ทย่วรา.ไ”ปึกถย.รร ี 33ค่มู อื Happy Money... สรา้ งส....................................................................................................................................................ุขท....................................................................................................................................................า....................................................................................................................................................งก.................................................................................................................................................... า....................................................................................................................................................รเ....................................................................................................................................................งิน.................................................................................................................................................... .................................................................................................................................................... .................................................................................................................................................... .................................................................................................................................................... .................................................................................................................................................... .................................................................................................................................................... .................................................................................................................................................... .................................................................................................................................................... .................................................................................................................................................... .................................................................................................................................................... .................................................................................................................................................... ....................................................................................................................................................
34 ต วั อรลบั ยจง 300–า่ บะ121ไงจนัด///วา่บท้ไ000/ยมกึ นดั111เห่ งไ////ทวลนิ ป222ท้ งวกึ 555 กุลนั ...ร...วมื ไ...ห านั น ย รบั ราค คฝเ คค สรงยวาาาา่่่่ารนิ มเโนนกจปุชเท ดธำำ้้ า่า่เรม นดอื(ร(รบ+ยศนั..าาานอื..า้ พั ..คยยคร น..นเ.ทาจรถา่.อ .นรไบัา่.ยม์า.ฟ ย. ้ีมไนอื..มป า.ตถ.ไากฝ.คดอื ์.ก.กาา่น. เ้ .กงกอว.ำ.นิ วธะ.า่ก.ไจา่ร.นรรล.รา.าาา.บั จากย.คย.มยด.จไ.าหก.รารา่ .ร.นทบัยาา../ยบ.รจ....ก..ท า่.ใ.....ชาวย......รนห.้..เ..3งไ.. นว.น.ิ,..4. ้..ี้ ....0........0....................บ.......า.บ...ท.).า. .ท ) .................................................................................................................................................... .................................................................................................................................................... .................................................................................................................................................... .................................................................................................................................................... .................................................................................................................................................... .................................................................................................................................................... .................................................................................................................................................... .................................................................................................................................................... .................................................................................................................................................... .................................................................................................................................................... .................................................................................................................................................... ค.................................................................................................................................................... ูม่ ....................................................................................................................................................ือ....................................................................................................................................................H....................................................................................................................................................a....................................................................................................................................................p....................................................................................................................................................py.................................................................................................................................................... Money... สร้างสขุ ทางการเงิน
หลกั ตใไหร11รอ้ดล55้าอ้ งเ้ ง,,ยะยใจ00นเน ิ อหดร00มแสยีลกบั 00ตาดกัรนั ล่ พปุ ะตยนั เด รอวอื ดจนรสสวชว่ อเมทว่ นจบขแา่ยา่ทอไคดไอรหยยหกุ1่ไา.ูเงยนหรร03124ำง้.ย.่านิน,,,,,“ทเม600600ตา่ยจไอรามดี่จ000000กา่อือาลกด000000าเ้ายกนยงนไ รกมวืไ นิ อ้ วไป ้กดยมา่ !ว ”้ า!เา่ รกก!กาบั บั นใั ชใช!“เ้ !งคจ้ !นิ า่ า่ คเยใปา่ชเไพนน็ปจ้ ำ้ม่ิ ห า่ใเส1ตหยรร่5อมืิม”า0ต ไยาชวัม/ลยว่ เ ่อยะเคเหงอยา่ ตยำี้ไเฟด ุ ต อื 4น5 0 35คูม่ อื Happy Money... สร้างส....................................................................................................................................................ุขท.................................................................................................................................................... า....................................................................................................................................................งก.................................................................................................................................................... า....................................................................................................................................................รเ....................................................................................................................................................งนิ .................................................................................................................................................... .................................................................................................................................................... .................................................................................................................................................... .................................................................................................................................................... .................................................................................................................................................... .................................................................................................................................................... .................................................................................................................................................... .................................................................................................................................................... .................................................................................................................................................... .................................................................................................................................................... .................................................................................................................................................... ....................................................................................................................................................
36 ร“แ คมส“ ““กภ ดคใณอ นบไตเบัหะวตาาาดงน้ว้ ทไกานัปวัขลรพาินอรยมพสี่กณงปเง่ทรบใ”งามดุทคะวนญักึนิะบา้“รกาง่่ั์ขม่ีทนจงร(”ที่งคนัทหอ าิสนนี่ั้ทเ““เา“บางั่มขไปงทาๆรู้งงหยๆตบขงดอเอ่ืก็”นบบเ่ีพ!ัรนกอรนทรเ้ง!พขลาบัา!งรสสี้าาราทว)อ“ยดูเยจรารรกานินนิ ร่ีทรงทถวะยส์าเเยาาเค”างทำพงรา่ีงึนไเยรมวนใิไพยาดนิรดู้ีลจหเดจาวเ“”พบไม่ิแ้ัรพถะมอสาา้เ่่งด้แลงาขยีตตงึับยงเทลว้่ิยน“จขะน้ึงตม้อ-”กมตี่พทะะิใใาน้์แมอ่ งาดคนเาวังใ่ัแลฤรคแไ่ีมยดั้บจคเรก่ตาปมิ่ตรทะ?่กาีูกแโเคุงรั่ล่ใหานงสดกิ ในัตันชจ”้ะเะนชิำคี้รยนอเอ่ต้เวจรนมไป้จร”ดทง้ีกีสล่าัมว่ามงกึิาเ่๋าาอืวั่ คปิหเนกไ่”ยสขกแยนไล“ดรน็นลต ลป”างอ””นขงั้ ย้คาอร้ะาบกหน่ัทงยาใยหนงใกอ็กชนกเตี่คซคนขบาอเ็าตจ้ง่ึาอนป์ไัวนบชจนงนั า่รรยมธิอ า็ีจวนซย“ทเงเา่กีด่ยาะิตงอง้เองกึงตจทงาไอบินปทบนงเหนิรจามำรกสรคี่.กสะนขมงอื่อ.าะรเด่ิวบำ่วอ.งยชขจรสู้โจนนงรน ดู่้กื่าอำเกึดัเเางที้บพใทยรับวขวนิจากุดัุคนี่รเคแ“ตนยใสรๆาตงูทืคสนอา่ลาาะา่ว่ งวั่ีกุแเนดลยกตนสๆรปตเขาๆงวั”าน้ิบปนญลน่ั้ึแเถเทปล็คุวนทคะๆมตึงขาเี่่ีหชคย่ีงว่ากอฐแทว่าเ่ซเบาใลัย่ีานอรลงใี่ส”น่ึงนวส”าสทงวเ้ ่ขพ้ีวมขโ่มเว่ะเี่จป้ลขดเอหออ้ีทนปาร“าา้มยรลงสคสิรงาทไกะไูา่ลืบอยีแปเงนิมี่กแนบัพเไยบลกกทอร่อสนั้ปกอ่ืด้วเม็าสู้ารบสเดรสสกูรอไาาพัะมดืบบื“งนัจเวเงเหงอืง้ถวหยมปไา้ใวิบนตนดนกยึ”งาาาา่๋์ ุ้.................................................................................................................................................... .................................................................................................................................................... .................................................................................................................................................... .................................................................................................................................................... .................................................................................................................................................... .................................................................................................................................................... .................................................................................................................................................... .................................................................................................................................................... .................................................................................................................................................... .................................................................................................................................................... .................................................................................................................................................... ค....................................................................................................................................................มู่ ....................................................................................................................................................ือ....................................................................................................................................................H....................................................................................................................................................a....................................................................................................................................................p....................................................................................................................................................py.................................................................................................................................................... Money... สรา้ งสุขทางการเงิน
สไค เ“เ กงคมราินยี่สอม่ววอสวนิบ่ัญาาขสอนิ ทคจมอ้สมภทระรมหงนินาวัรเพักหั่งรปใี้พไทพั นันคลืยอป็นรคยยอาแั่ งร์อพั เยงัลนล์”ปะยงไยคยาอ่ิงนู่ใลงขคนะนท ์งงเยพอตอ ดรนุเาปงา ูดูปือ งวเจ็นใขรนบ จหาอะปเ้ด“เงขสอสร งาุ้ลง“ะินสใสจ จหยัทซหงินำวนึ่งา่รนา่ทคยตส้ีัพโส้ี รๆว่อบนิงยนิัพาบไหนค์รปมรสยัมสอื ะะเมนิ ย์ลยรนุ “ทง่ั หาะงะเสคยวรอยทรนิพัยีง่ัาาืาอุน ทจวนยวร”จ รแ์ ”าะพัลทยตทะ้ังยไ่หอ้ัตงด”์ ยนรร้เอกรถส้ี าส(าดไ็นิสยรรหดรยงาคนิามารรม้รกจบวยตยาหือาบัา่าจ์รสยจรยมนงหา่่าวาบัรง้ีเบมยกรพนบบัยกจ่ังืเรกอจรงจาออื่คไาบาาน“ิรดกางยกั่งยกเ้าทอะกนกไงาร้ ไนภแดุอนิแน้ีดดราาสอหาต้ รมดร้แ้วอยันรเลา่วทลย งำอะงอมจง่ะำหเกนิ ๆนมอบคา่งานสหนินา่ื่าอ”รขยสี้ ใดนรุ่ชนแ อช นิกือวีป งข)จ้ ็ห เคติ ลอา่ รุ้ืนยอ งาง 37คู่มอื Happy Money... สร้างส....................................................................................................................................................ขุ ท....................................................................................................................................................า....................................................................................................................................................งก.................................................................................................................................................... า....................................................................................................................................................รเ....................................................................................................................................................งิน.................................................................................................................................................... .................................................................................................................................................... .................................................................................................................................................... .................................................................................................................................................... .................................................................................................................................................... .................................................................................................................................................... .................................................................................................................................................... .................................................................................................................................................... .................................................................................................................................................... .................................................................................................................................................... .................................................................................................................................................... ....................................................................................................................................................
38 ต วัสส ส ( ส ส ส กอนนนนนิิิิินิ รอขบรเอมเกหหเอสสสสงงงทททททถทยอนนน่ืืื่่ออนนนนลูาิิิิ้นนุุ้้ นนนิิิ นยรรรรรงงๆๆๆกครททททกสา่ฝสอสทนพพพพพััััั า่า มพู้ัรรรรอดาง/ะ/เนุมตกพพพพััััมลงูยยยยยสย/ครญ์ังนิพปเมค/สเอร์์์์์ยยยยใวพอพ์บชสรเนั วา่มใสเอ์์์์นภ่ืงน/รAอ่ืพะดชส้ ธสอป่ืมนินภื่ถๆจโาวส้ก/บวหs่อื่ดกจฝัำ ๆยจัาพนิ ว่รsตนันุ้ก กกาจัพเาม/นรeกทครกบตาอรบุรคธวต ษtรอยทลรุงรลวันัรมลsวลัทยีอมิาดี่อ่รพงั อ่รนหมณงหสนุ มนิทงวทงยททิรสรยป์ นุรมนุนอืำอรืธรวแ์ รพตรั ิ สมะมอลวก ์ยนลิู งมนัะ ์ เคท ล หชงา่รย้ี วี นบทพังติ ชคี่สดี้ ยพี าลุนิ ม์ ดส/ค ี วว่ า่กา่ น อจงบะทขคุ านุ คยกไลดบ ใ้ขน วนั น)ี้ .................................................................................................................................................... .................................................................................................................................................... .................................................................................................................................................... .................................................................................................................................................... .................................................................................................................................................... .................................................................................................................................................... .................................................................................................................................................... .................................................................................................................................................... .................................................................................................................................................... .................................................................................................................................................... .................................................................................................................................................... ค.................................................................................................................................................... ่มู ....................................................................................................................................................ือ....................................................................................................................................................H....................................................................................................................................................a....................................................................................................................................................p....................................................................................................................................................py.................................................................................................................................................... Money... สรา้ งสุขทางการเงิน
ณ“ ห( ห ค ห ห คกวนนนหวนวรสห หหหหหหหหหหนั ามาสสส้ี้้ีีสี้อนินนนนนนนนนนกั มทน่ัมนนนิิิกทนิจเจจบเเเสสี้ี้ี้ี้ี้ีี้้ี้ีี้้มเส.ี่หงงงงมชรรราาา.รยนนติิัง่ันนนน“ิิิิะ.นกกกน่งพ่ััสหคะวะ.อLรรรกกกกยย.ส้ีกกกคมนงั่มเยะะi.ดเเรเรูููู้้้้คสนิ.aยยาาาะะคพพก้ีง่ัร์ .ะะ“สยครรรรทุร.ะะสสรวอb้ยยออืื่่ .กกกดสยวานงธ้ัอื่มนิ.นะะทซซุi.ยยยููู้้้ตคมิานั้”ิวงlยส ท ท.ออืื้้ธiว มมมืืืใ. ใรา ้น้ัารtมี่ห.สสชร ิซเซวงว.พัiอดีพ้ไนนิิไ้.วeใอดมออ้ืื้.น่ืฟยนอคคอื่.มน่ืs้บร .รๆ์กฟปาาก้้ท. ถ ๆา้ว.เ าา้จับส่ีน. ((ม .รเไบุย้ีำ .ฯ”กศม.คแนคัลใ.นิกึพหเ่.ญั ฯก).วษม้ ง.1 นิ .าท!าา.ม กป.สถ่ี 1.กดุา้).ีม.ป อว”.งั่ .ยา่)ีใค.ห า.“.งห่ั้กห.ส.มสน.ดท.ุรส้ี .า้โ.นิธด.งร.ิหย.ว.นไม.ว.้ี ท”ต..สี่เอ้.พ.ดุง.อื่เ. ร.ส.ง่ .รก.า้ .ำ.งจ. .ดั .. ......ใ.ห. ข้ จนึ้ ำใไจว! ้ !! 39Net Worth คู่มือ Happy Money... สร้างส....................................................................................................................................................ุขท....................................................................................................................................................า....................................................................................................................................................งก.................................................................................................................................................... า....................................................................................................................................................รเ....................................................................................................................................................งนิ .................................................................................................................................................... .................................................................................................................................................... .................................................................................................................................................... .................................................................................................................................................... .................................................................................................................................................... .................................................................................................................................................... .................................................................................................................................................... .................................................................................................................................................... .................................................................................................................................................... .................................................................................................................................................... .................................................................................................................................................... ....................................................................................................................................................
40 แ ชแบบอ่ื เบ-งบเนนิ ฟงสกานิ อสบู้รมกเปงบบนิรรนปกุู้สเเนิ รงตษงัิเตัคม์อองกกนิรนิะจรา้รทัรกงนิ ส เธู้กลำุกเเาเภทวฯรงกคงนนอรู้บู้มยะนินุนทิ รู้ร:าำน่ื/ปุบา้ ผหถดสค หล.นๆบร.สอ่ ดติมาน. ะ หราน. บู่ เ. ี้ ย ก.อา้ .นร.ลยี .ณ .ะ.ด เ. ์ อ..ห.ยี .น.ด.. ี้ .หช..นอื่...เี้ จ.ณ.า.้ .ห..วน..นั . ้ี .ท..่ี............ส...เ..ญั ล....ข..ญ..ท.....า ่ี .ฝ ..า่..ย...:..............ส....ถข....าอ....นง....หภ....น.า...พ.. ี้ .... ................ .................................................................................................................................................... .................................................................................................................................................... .................................................................................................................................................... .................................................................................................................................................... .................................................................................................................................................... .................................................................................................................................................... .................................................................................................................................................... .................................................................................................................................................... .................................................................................................................................................... .................................................................................................................................................... .................................................................................................................................................... ค.................................................................................................................................................... ู่ม....................................................................................................................................................ือ....................................................................................................................................................H....................................................................................................................................................a....................................................................................................................................................p....................................................................................................................................................py.................................................................................................................................................... Money... สรา้ งสุขทางการเงิน
มลู หน ี้ อตั รา ยอดชำระ หมายเหต ุ 41คู่มือ Happy Money... สร้างส....................................................................................................................................................ขุ ท.................................................................................................................................................... า....................................................................................................................................................งก.................................................................................................................................................... า....................................................................................................................................................รเ....................................................................................................................................................งิน.................................................................................................................................................... .................................................................................................................................................... .................................................................................................................................................... .................................................................................................................................................... .................................................................................................................................................... .................................................................................................................................................... .................................................................................................................................................... .................................................................................................................................................... .................................................................................................................................................... .................................................................................................................................................... .................................................................................................................................................... .................................................................................................................................................... คงเหลอื ดอกเบยี้ (ตอ่ เดอื น)
42 ตวั คร า อา่ ด รเเ ร รคคยงงใาายาอาา่่ชนนิิ ยยไยเเเกโคมชคคกกอใใกดา่เปบงงจ้บชชไไน่ืดำาาาไาาา่่่รเนนิิ ดดดนยงัี้จจ้้บนา่ รเผใรรร้ดๆอื ชรคชอจป้้าาระผ่่ขอล้ยสยัี้อ่กน างา่นืคจ้ายยนื่วองารลรนง /กบ//า่ทภยา่ะมเคมๆบัจวรพยสกคกหนคุคาาล ั งรจถ เนิำา่นัษกอื่➊ทลาา่่ สาพยาไเคจผกกภก ีกัลช ี่นรอื่ ยา้า้อา่เทยาาั า่จกตงงเรกนรไาง/รนิ/า ์ ล/ดกนิอกบพัรฝกปงคกนิผออา้ แย้ทงาารา่นาออแ่มกร ์บลนุะลร บมนขแก/ใปวร่ ะลา ง่แนนังครพา ยะลหเชะกยวสนัะา่ กนุ้วี ลากนิไธใติอ ดราาบทชบล/ร/แ้ตัรจ้ ธลงลปพคัรรุทงา่ า่ระย/กทนุคยคะ์จิ/หนุ ก อา่ข นุ้รนัมใ นวกชสมาม ู้ขุจ้ชิด ภ ชา่ย➋านัยอ่ พม/ส / ว่ อนน่ื บๆคุ คล .................................................................................................................................................... .................................................................................................................................................... .................................................................................................................................................... .................................................................................................................................................... .................................................................................................................................................... .................................................................................................................................................... .................................................................................................................................................... .................................................................................................................................................... .................................................................................................................................................... .................................................................................................................................................... .................................................................................................................................................... ค.................................................................................................................................................... ู่ม....................................................................................................................................................อื ....................................................................................................................................................H....................................................................................................................................................a....................................................................................................................................................p....................................................................................................................................................py.................................................................................................................................................... Money... สร้างสุขทางการเงนิ
สำ จ หำ ร ค คนบั าาว่่ คคช คค อ คคเภ คคคนใใรง ชชนื่แำาาาาาาาาา่่่่่่่่่ าเนิอคคอทจจล้้งรบอใใเใใใใษๆเสสชชชชชชพนิบนื่ะาา่่าาะ่่อ่าตั เีส อื้ะขทจจจจค้้้้จจ้้ยยหงคๆยีงวรรสผาาาาน่่่่ิาา่่อเนืำรผงรา เนัา้ทมยยยยยยาบ้คงเไรตวเงนัหงยท่ีสใสอขผคดก ร/ญุโมดั นนิแอลวน่ืานัวงดอนั้ี่ /เเ ปก. กกธงทญัอื คๆงทติแ.➎ฯนิภราาา.ยู้ทเรร่ี ปน .ลกรร รสามือ่ืว.นุ ราณฯเานิ.ษมงดเ“.สกร=ย)พ.ตสอีปู นิวำ( .าไ ำอ่ือ.น่ด่ื➌รขมรโ➋ท.อภกยอม้ๆ.า า(.า อาดงคา .➍ งสง.รเเด)+.ปลงั/(ศ(. คสยี้ น็ ไ.คกึเ➊.➌วฟรคงา่.ษ“าร.ชนรฟเ.มงาคพีอ.่ื ำ้ นิา้- .ม+์ มง/. อ/ง่ั.ป➎นั.ดคอ➍ป.ร.มหูงั่/ะร.” ”.นดคะ ผกปถงับัา่ า่ อ่ทา/งึ นนา/ฟ.งค“.โงักด.ดิท.เาว่.พจร.รนบั.ศลล.)จพั.งง .า่ ท/.ทย.นุ . )์ .” . ......ท...า.ส.ง..รก า้ างรวเงนิ นิ ยั ! !! 43ค่มู อื Happy Money... สรา้ งส....................................................................................................................................................ุขท....................................................................................................................................................า....................................................................................................................................................งก.................................................................................................................................................... า....................................................................................................................................................รเ....................................................................................................................................................งิน.................................................................................................................................................... .................................................................................................................................................... .................................................................................................................................................... .................................................................................................................................................... .................................................................................................................................................... .................................................................................................................................................... .................................................................................................................................................... .................................................................................................................................................... .................................................................................................................................................... .................................................................................................................................................... .................................................................................................................................................... ....................................................................................................................................................
เงินเดือน 44 แบวรบนัวมทฟ ่ี อรม์ บนั ราทยกึ ไดร ้ ายได้ก-ราราคยอา่ จอา่ใมชย/ลเจ้ พงา่ ทอื่ ยนุ ประจำเดอืคา่นใช.จ้..า่ ..ย.. .ค..า่ .ใ.ช..จ้ ..า่ .ย..ค..ง..ท.. ี่ .......... .................................................................................................................................................... .................................................................................................................................................... .................................................................................................................................................... .................................................................................................................................................... .................................................................................................................................................... .................................................................................................................................................... .................................................................................................................................................... .................................................................................................................................................... .................................................................................................................................................... .................................................................................................................................................... .................................................................................................................................................... ค.................................................................................................................................................... มู่ ....................................................................................................................................................อื ....................................................................................................................................................H....................................................................................................................................................a....................................................................................................................................................p....................................................................................................................................................py.................................................................................................................................................... Money... สร้างสุขทางการเงิน เงิน ิพเศษ (OT, ค่ากะ) ดอกเบี้ย ัรบ/เงินปันผล ัรบ รายได้จากค่าเ ่ชา รายได้ ่ือนๆ สหกรณ์ ฝากธนาคารต่างๆ ค่าแช ์ร (ท่ียังไม่ได้เปีย) ่อืนๆ เงิน ่ผอนบ้าน เงิน ่ผอนรถ เงิน ่ผอนสหกรณ์ เงิน ่ผอน เคร่ืองใช้ไฟ ้ฟา ค่าเช่าบ้าน เบ้ียประกันสุขภาพ ประกันสังคม กองทุนสำรองเลี้ยงชีพ ค่าแช ์ร (ท่ีเปียแล้ว) ดอกเบี้ยสหกรณ์ ดอกเบ้ียหนี้นอกระบบ
ชอ่ื -นามสคกา่ ลุอา:ห า..ร. .................คค..า่ า่ .ใ.ใช.ช.จ้ จ่..า่ า่ .ย.ย. .ผ..นั ..แ.ป..ร.. ...................................... 45คูม่ อื Happy Money... สรา้ งส....................................................................................................................................................ุขท.................................................................................................................................................... า....................................................................................................................................................งก.................................................................................................................................................... า....................................................................................................................................................รเ....................................................................................................................................................งนิ .................................................................................................................................................... .................................................................................................................................................... .................................................................................................................................................... .................................................................................................................................................... .................................................................................................................................................... .................................................................................................................................................... .................................................................................................................................................... .................................................................................................................................................... .................................................................................................................................................... .................................................................................................................................................... .................................................................................................................................................... .................................................................................................................................................... ค่าเทอมลูก เงินให้พ่อแม่ อื่นๆ อาหารม้ือปกติ อาหาร Stock อาหารรวม (ครอบค ัรว) อาหารพิเศษ ค่าน้ำ ค่าไฟ ค่าโทรศัพท์ ค่าเดินทาง เสื้อ ้ผา เค ่รืองสำอาง ค่า ัรกษาพยาบาล ภาษี ค่าของใ ้ชในบ้าน ทำบุญ ค่านันทนาการ ค่าใ ้ช ่จายบุตร ค่าหวย/ล๊อตเตอ ีร่ ่ือนๆ รวม ่คาใ ้ชจ่าย
พสลคู่ วกิ าชมวี มงตั่ิ ค.งั่ . . .................................................................................................................................................... .................................................................................................................................................... .................................................................................................................................................... .................................................................................................................................................... .................................................................................................................................................... .................................................................................................................................................... .................................................................................................................................................... .................................................................................................................................................... .................................................................................................................................................... .................................................................................................................................................... .................................................................................................................................................... .................................................................................................................................................... .................................................................................................................................................... .................................................................................................................................................... .................................................................................................................................................... .................................................................................................................................................... .................................................................................................................................................... ....................................................................................................................................................
“รม ทด ใา่ีมงา้่ั คยนคผรี รไกาบง่ัู้บ”ดยา”รร้สรไม ิษดิหเูงคี งเถนัทส้มานิวา้ แยิ ูง่ือาร งอตาๆมา่กยม่กยมลา่ ขแขๆลงง่ั่ามอลับนคับวีคเงะแรงถ่ันั้ชตสตมฤถมึง.น่“้อิบ.่มทีหสา.คงลก“ีหาสรปคใว้าคสพักนนิ อชวานนววี้ทสยร้เมาบงา่์ใ์ตินา์สรหมิกนมาพัมคนินญทนัมแง่ั ัับนยมม บคง่ั่โ์ หางั่ตหคบงั่กรคน”ง่ั เู มง่ั ดคส้ี า”สือนิ ยอื าน(อมรWแชะาาตไนยพรeร่ใถไเaกนดดหลlคนัtือ้ าhแวกิแนคล)านำมะชขคตอ?่ รเัมบแนยอวีปาตีบรยแบ่าส็นติถ่ไ้าลงจ่วไมจนญนา่ดะน.ร่มยขร้ีเ.จ้ิงใ่ีปีหรนะ .หาแุ่นหนาากลญสถธ้ีสวดก้วาืร่่มอินกคู่างรวักเมรลลม่วาเนาคี2ปยดงึกนา “ราค ถจยียมน ำึงบพังนภนมเไบทวน้ีมาง่ันครพยี ัก่มณุมิษคบคงีคาขนัทคางั่วกอ้ รดิน ทา มววมมี่ยลูา่ ี 47คมู่ อื Happy Money... สร้างส....................................................................................................................................................ขุ ท....................................................................................................................................................า....................................................................................................................................................งก.................................................................................................................................................... า....................................................................................................................................................รเ....................................................................................................................................................งนิ .................................................................................................................................................... .................................................................................................................................................... .................................................................................................................................................... .................................................................................................................................................... .................................................................................................................................................... .................................................................................................................................................... .................................................................................................................................................... .................................................................................................................................................... .................................................................................................................................................... .................................................................................................................................................... .................................................................................................................................................... ....................................................................................................................................................
48 ชใหำ้เรพะห่ิมนขรท้ีึ้นคาแม่ี ไนลยสดอี ทเว้ไนิงยด้ ี่มสนคิ โ ทู่ ข้ ีเดนิเเวงรหงอายินทMพันิลงมกเรคอืกเยมากพัoนิณนุ ์รง่ั —นิ nยำหคนมไล์รงeั่ำป(ืาอเ+เะ่ พyสงมกม)ิรนหม่ิ ีรากCา้ ทกัา กวงhย่ีเ กาห่ หไeรวนดลcาา่้มส้ีือkยหานิรใจกชนาUา่ก้ไยสี้ Dยปวpไนิ ด่าหซหร: ้้ืรอา รอื ยส—อื คเจินปยใ่าวชทลยงั าเ้ ง?รา่มหนิ มเ ทั?พกมังมีโ ำนิ ง่ัอยารใคหกข์กเาพงั่าเ้ายกกสสด่ิจมวดิ ททุ าา่่ ขหี่จ(ธทย-้ึนนะิ ห ่ี)(ส ้ี+ ารห/ไ้า-ดรง)ือ ้ค อวาาจมนมำั่งไคป่ัง .................................................................................................................................................... .................................................................................................................................................... .................................................................................................................................................... .................................................................................................................................................... .................................................................................................................................................... .................................................................................................................................................... .................................................................................................................................................... .................................................................................................................................................... .................................................................................................................................................... .................................................................................................................................................... .................................................................................................................................................... ค.................................................................................................................................................... ู่ม....................................................................................................................................................ือ....................................................................................................................................................H....................................................................................................................................................a....................................................................................................................................................p....................................................................................................................................................py.................................................................................................................................................... Money... สรา้ งสุขทางการเงนิ
Search
