Finance · FORTUNE
Fortune #05
Good fortune
Automatic transfers can make saving more consistent. Begin with a small amount you can afford each month.
QUOTE CARD
A quote for you
“ปรับปรุงระบบการผลิตและบริการอย่างต่อเนื่องและตลอดไป เพื่อเพิ่มคุณภาพและประสิทธิภาพการผลิต และลดต้นทุนลงอย่างต่อเนื่อง”
— ดับเบิลยู. เอ็ดเวิร์ดส์ เดมิง
นักสถิติและนักคิดด้านคุณภาพ ผู้พัฒนาแนวทางปรับปรุงระบบงานอย่างต่อเนื่อง
- Person
- W. Edwards Deming
- Source work
- p. 23 (Point 5 from the "Condensation of the 14 Points for Management" presented in Chapter 2)
- Source text
- Improve constantly and forever the system of production and service, to improve quality and productivity, and thus constantly decrease costs.
STORY & REFLECTION
A transfer on payday
Guidance-based illustration · A transfer on payday
Illustrative scene: A worker intends to save whatever remains at month end, but the amount varies and is often zero. Starting begins to feel impossible.
She schedules a small transfer just after payday and checks that essential bills still fit. In a costly month, she lowers it temporarily rather than letting the account run short.
The Bank of Thailand advises matching savings to their purpose and timing, with enough liquidity for regular costs and emergencies. A savings plan needs to leave day-to-day cash workable.
A flexible system is easier to repeat than waiting for leftovers.
Reflection
Consistency matters more than waiting for a large sum.
A small action today
Schedule an affordable automatic transfer just after payday.
A question to reflect on
What amount can you save every month without overstraining?