เทคนิคการจัดการการเงินส่วนบุคคลในภาวะวิกฤติ|PERSONAL FINANCE MANAGEMENT TECHNIQUES IN CRISIS

Abstract

Crisis is an unstable situation that affects all level of economic condition, such as the transmission of the virus, COVID-19. Many businesses have to close their businesses or temporarily stop working because of lack of liquidity, then cause lay of employee or suspend their employees without pay. This article presents techniques for managing personal finance in a crisis by collected and summarized relevant literatures. The results showed that people should concern with spending planning which include cash budgeting and cost reduction, emergency fund, risk protection planning, income planning, and investment planning respectively.