โ€ซ9 ืžืขืจื›ื•ืช ื ื•ืฉืŸ ื—ื™ื ืžื™ื•ืช ืฉื™ืฉื“ืจื’ื• ืœืš ืืช ื”ื—ื™ื™ืโ€ฌ โ€ซโ€ฌ

ืคื•ืจืกื ื‘ืชืืจื™ืš

ืื ืืชื ืžื—ืคืฉื™ื ืœื”ืชื—ื™ืœ ืœืขื‘ื•ื“ ืขื ื ื•ืฉืŸ ื‘ืขื‘ืจื™ืช, ื‘ืœื™ ืœื‘ื ื•ืช ื”ื›ืœ ืžืืคืก โ€“ ื”ื’ืขืชื ืœืžืงื•ื ื”ื ื›ื•ืŸ.


ื‘-ืดืคืฉื•ื˜ ื ื•ืฉืŸืด ืžื—ื›ื” ืื•ืกืฃ ืฉืœ ืžืขืจื›ื•ืช ื—ื™ื ืžื™ื•ืช, ืฉืžืชืื™ืžื•ืช ืœื ื™ื”ื•ืœ ื”ืจื’ืœื™ื, ืคื™ื ื ืกื™ื, ืžืฉื™ืžื•ืช, ืงื ื™ื•ืช ื•ืขื•ื“ โ€“ย ื•ื—ื•ืกื›ื•ืช ืฉืขื•ืช ืฉืœ ื”ืงืžื” ืžื™ื•ืชืจืช.

ืžืขืจื›ื•ืช ื ื•ืฉืŸ ื—ื™ื ืžื™ื•ืช

1. ื ื™ื”ื•ืœ ื”ืจื’ืœื™ื


ืžืขืงื‘ ื™ื•ืžื™ ืื—ืจ ืœืžื™ื“ื”, ืกืคื•ืจื˜, ืฉื™ื ื”, ืžื“ื™ื˜ืฆื™ื” ืื• ื›ืœ ื”ืจื’ืœ ืื—ืจ ืฉื—ืฉื•ื‘ ืœืฉืžื•ืจ ืขืœื™ื•.

ื›ื•ืœืœ ืชืฆื•ื’ื” ืœืคื™ ื™ืžื™ื, ื—ื™ื•ื•ื™ ื”ืชืงื“ืžื•ืช ื•ื”ืฉืจืื” ืœื”ืชืžื“ื”.

ืžืชืื™ื ืœื‘ื ื™ื™ืช ืฉื’ืจื” ื•ืœื”ื˜ืžืขืช ืฉื™ื ื•ื™ื™ื ืงื˜ื ื™ื ืœืื•ืจืš ื–ืžืŸ.


ืžืขืจื›ืช ื ื™ื”ื•ืœ ื”ืจื’ืœื™ื

2. ื ื™ื”ื•ืœ ืœืžื™ื“ื” Lite


ืžืขืจื›ืช ืœื ื™ื”ื•ืœ ืžื˜ืœื•ืช, ืžืขืงื‘ ืื—ืจ ืฉืขื•ืช ืœื™ืžื•ื“, ืžื‘ื—ื ื™ื ื•ืžืฉื™ืžื•ืช.

ื›ื•ืœืœืช ื’ื ืจืคืœืงืฆื™ื” ืœื”ืชืคืชื—ื•ืช ืื™ืฉื™ืช, ื•ืžื™ื•ืขื“ืช ืœืœืžื™ื“ื” ืขืฆืžืื™ืช ืื• ืคื•ืจืžืœื™ืช.


ืžืขืจื›ืช ื ื™ื”ื•ืœ ืœืžื™ื“ื” lite

3. ื ื™ื”ื•ืœ ืคื™ื ื ืกื™ Lite


ืžืขืงื‘ ืื—ืจ ื”ื›ื ืกื•ืช ื•ื”ื•ืฆืื•ืช ื‘ืฆื•ืจื” ืคืฉื•ื˜ื” ื•ื ื•ื—ื”.

ืจื™ืฉื•ื ืชื ื•ืขื•ืช, ืกื™ื›ื•ืžื™ื ื—ื•ื“ืฉื™ื™ื ืื•ื˜ื•ืžื˜ื™ื™ื, ื•ืชืžื•ื ื” ืžืœืื” ืฉืœ ื”ื”ืชื ื”ืœื•ืช ื”ื›ืœื›ืœื™ืช.

ืžืชืื™ืžื” ืœื”ืชื—ืœื” ื—ื›ืžื” โ€“ ื’ื ื‘ืœื™ ืจืงืข ืคื™ื ื ืกื™.


ืžืขืจื›ืช ื ื™ื”ื•ืœ ืคื™ื ื ืกื™ lite

4. ืœื•ื— ืคืชืงื™ื


ื ื™ื”ื•ืœ ืจืขื™ื•ื ื•ืช, ืชื–ื›ื•ืจื•ืช ื•ื”ืขืจื•ืช ื‘ืžืงื•ื ืื—ื“.

ื›ื•ืœืœ ืชื’ื™ื•ืช, ื—ื™ื‘ื•ืจื™ื ื‘ื™ืŸ ืคืชืงื™ื, ืžื—ื‘ืจื•ืช ืœืคื™ ื ื•ืฉืื™ื ื•ืชืฆื•ื’ื•ืช ืœืคื™ ืชืืจื™ืš, ืžื•ืขื“ืคื™ื ื•ืกืงื™ืจื” ื›ืœืœื™ืช.

ืžืกื™ื™ืข ืœืฉืžื•ืจ ืขืœ ืกื“ืจ ื‘ืœื™ ืœื•ื•ืชืจ ืขืœ ื”ื’ืžื™ืฉื•ืช.


ืžืขืจื›ืช ืœื•ื— ืคืชืงื™ื

5. ื™ื•ืžืŸ ืชื–ื•ื ื”


ืžืขืงื‘ ืื—ืจ ื”ืจื’ืœื™ ืชื–ื•ื ื”, ืืจื•ื—ื•ืช, ืงืœื•ืจื™ื•ืช ื•ืชื›ื ื•ืŸ ืฉื‘ื•ืขื™.

ื ื’ื™ืฉ ืžื”ื ื™ื™ื“ ืื• ืžื”ืžื—ืฉื‘, ื‘ื›ืœ ืจื’ืข.

ืžืชืื™ื ืœืฉืžื™ืจื” ืขืœ ืžื•ื“ืขื•ืช ืชื–ื•ื ืชื™ืช ื•ืœื”ืชืงืจื‘ื•ืช ืœืžื˜ืจื•ืช ื‘ืจื™ืื•ืช.


ื™ื•ืžืŸ ืชื–ื•ื ื”

6. ืชืงืฆื™ื‘ 50/30/20


ืžื•ื“ืœ ืœื ื™ื”ื•ืœ ื—ื›ื ืฉืœ ื›ืกืฃ ืœืคื™ ืฆืจื›ื™ื, ืจืฆื•ื ื•ืช ื•ื—ื™ืกื›ื•ืŸ.

ื›ื•ืœืœ ื—ื™ืฉื•ื‘ื™ื ืื•ื˜ื•ืžื˜ื™ื™ื, ืชื™ืขื•ื“ ืœืคื™ ืงื˜ื’ื•ืจื™ื•ืช ื•ืชืฆื•ื’ื” ื—ื•ื“ืฉื™ืช ื ื•ื—ื”.

ืคืชืจื•ืŸ ืžืฆื•ื™ืŸ ืœืžื™ ืฉืจื•ืฆื” ืœื”ืชื—ื™ืœ ืœืชื›ื ืŸ ื›ืœื›ืœื™ืช โ€“ ื‘ืœื™ ืืงืกืœื™ื.


ืชืงืฆื™ื‘ 50/30/20

7. ืจืฉื™ืžืช ืงื ื™ื•ืช


ืจืฉื™ืžื” ืื™ื ื˜ืจืืงื˜ื™ื‘ื™ืช ืขื ืกื™ื ื•ืŸ ืœืคื™ ืงื˜ื’ื•ืจื™ื•ืช (ื™ืจืงื•ืช, ืžื•ืฆืจื™ ื—ืœื‘, ื—ื•ืžืจื™ ื ื™ืงื•ื™ ื•ืขื•ื“).

ืกื™ืžื•ืŸ ืคืจื™ื˜ื™ื ืฉื ืจื›ืฉื•, ื ื™ื”ื•ืœ ืœืคื™ ืฉื‘ื•ืขื•ืช ืื• ืžืชื›ื•ื ื™ื, ื•ืฉื™ืชื•ืฃ ืขื ืื—ืจื™ื.

ืคืชืจื•ืŸ ืžืกื•ื“ืจ ืฉืžื—ืœื™ืฃ ืคืชืงื™ื ื•ื”ืชื›ืชื‘ื•ื™ื•ืช ืžื‘ื•ืœื’ื ื•ืช.


ืจืฉื™ืžืช ืงื ื™ื•ืช

8. ืชื›ื ื•ืŸ ื˜ื™ื•ืœื™ื


ื›ืœ ืžื” ืฉืฆืจื™ืš ืœืชื›ื ื•ืŸ ื—ื›ื: ืžืกืœื•ืœ ื™ื•ืžื™, ื˜ื™ืกื•ืช, ืžืงื•ืžื•ืช ืœื™ื ื”, ืฆื™ื•ื“ ื•ืงื™ืฉื•ืจื™ื.

ื—ืœื•ืงื” ืœืคื™ ื™ืžื™ื, ืืคืฉืจื•ืช ืฉื™ืชื•ืฃ ื•ื”ื•ืกืคืช ื”ืขืจื•ืช ืžื•ืชืืžื•ืช ืื™ืฉื™ืช.

ืžืชืื™ื ื’ื ืœืชื™ืขื•ื“ ื˜ื™ื•ืœื™ื ืžื”ืขื‘ืจ.


ืชื›ื ื•ืŸ ื˜ื™ื•ืœื™ื

9. ืžืขืงื‘ ืžื ื•ื™ื™ื


ื›ืœ ื”ืžื ื•ื™ื™ื ื‘ืžืงื•ื ืื—ื“ โ€“ ื ื˜ืคืœื™ืงืก, ื‘ื™ื˜ื•ื—ื™ื, ืกืคื•ื˜ื™ืคื™ื™ ื•ืขื•ื“.

ื›ื•ืœืœ ืชืืจื™ื›ื™ ื—ื™ื•ื‘, ืขืœื•ื™ื•ืช, ืืžืฆืขื™ ืชืฉืœื•ื, ืกื˜ื˜ื•ืก ื•ื—ื™ื“ื•ืฉื™ื.

ืขื•ื–ืจ ืœื—ืกื•ืš ื›ืกืฃ ื•ืœืžื ื•ืข ื—ื™ื•ื‘ื™ื ืžืคืชื™ืขื™ื.


ืžืขืงื‘ ืžื ื•ื™ื™ื

๐ŸŽ ื›ืœ ื”ืžืขืจื›ื•ืช ื—ื™ื ืžื™ื•ืช, ื–ืžื™ื ื•ืช ืœื”ื•ืจื“ื” ืžื™ื™ื“ื™ืช, ืžื•ืชืืžื•ืช ืœืขื‘ืจื™ืช โ€“ ื•ื ื‘ื ื• ื›ื“ื™ ืœืฉืคืจ ืืช ื”ื”ืชื ื”ืœื•ืช ื”ื™ื•ืžื™ื•ืžื™ืช ื‘ืœื™ ืœื‘ื–ื‘ื– ื–ืžืŸ ืขืœ ื‘ื ื™ื™ื”.