1

... ....

DEBT FREE TO

FINANCIAL FREEDOM

13

...

17

21

25

33

39

43

47

...

51

55

THE MONEY COACH
www.facebook.com/moneycoach4thai

...

250,000

2540

2
1)


?
2) 2-3

4 4

...

( )

(Other Peoples Money: OPM )

1. ( )

10

20 100
20
100

1-3
3-5
10

20

(
Shopalholic )

... MINIMUM PAYMENT = MAXIMUM PAIN

2. 40

30,000

 11

10,000
2,500
(10,000 +
2,500 ) x 100 / 30,000 41.67


40 (10 ) (5 )
(5 )
40
40

3.





3 ( )

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2

1)

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/ ()

()
30,000
3,000
1,750
5,000
1,500
6,000
12,000
750

6,000 20
( 40
750 ()
...
2)

 15

/ ()

()
30,000
0
1,750
12,000
2,500
10,000
8,000
-4,250

4,250
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2 1)
2)
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18

 19

... ()
(Money Responsibility)

...

22

...

6-7
7 70
( )

Soft Loan

...
4
4 1





( 4 )

 23

YOU ARE WHAT YOU THINK

5
1. !
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....
- 40% -

26

...
2.

 27

(Debt Items)
(Outstanding (Interest Rate) (Minimum

Balance)
Payment)
A
30,000
20%
3,000
B
50,000
20%
5,000
C
75,000
24%
3,000
D
45,000
24%
1,800
3.

60,000 45,000
D
[ C D 24 D
]

28

3.1

3.2


3.3 A


4.


(Debt Consolidation)


1)
2)

20
10-20 ( 120-

 29

240% )

2

A
(30,000 ) B (50,000)
X 80,000 12%
2 ( 24 )
X A
B X
80,000 X
3,765 8,000



A
B
C
D

30,000
50,000
75,000
45,000

12%
20%
3,000
3,765
20%
5,000
24%
3,000
24%
1,800

30

5.

(
)

A
B
C
D

30,000 20%
50,000 20%
75,000 24%
45,000 24%

3,000
10
1*
5,000
10
2
3,000
25
4
1,800
25
3

A B
10 A B
A

 31

1 A 3,000

1,000 A 1,000
2-4
A 1
1,000 B 2
( A )

...

34

...


1)
2) (
)
3)
4)
5)

()

 35

()

36

(Debt Items)

A
B
C
D

(Outstanding (Interest Rate) (Minimum
Balance)
Payment)
30,000
20%
3,000
50,000
20%
5,000
75,000
24%
3,000
45,000
24%
1,800

12,800
6,000

6,000



6,000

(
)

 37

...

40

3,000
3
4 5 2


3

7 3,000

()

2-3 20

 41

3,000
12

400,000 ( 1.5 )

...
...

...

...
2,500
2 7,500
1 3,600
800
2

() ()
()
8

44

Preorder

 45

...
2
5 3 12,000
1,600,000
100 10,000
2,000

( )

?
(Other Peoples Money: OPM)

...

555
1 2,000
3

4
4-5
( 4 )

48

4 3 ...

5,000
10,000 ()
15,000-20,000
10,000 30,000 4-5

10,000


20,000
10,000 8,000
2,000

 49

60 20

1 15,000
4
100
20,000

...

(Needs) (Wants)

52

(Passive Income)
30,000
25,000

 53

34

10


..
...
...
...

56

...
...

Sometimes, Life makes you go through extreme adversity to show you

a better way.

...
...

 57

:


:

:
(Money Coach)

.
(www.richdadthai.com)