การเปลี่ยนแปลงพฤติกรรมทางการเงิน
…"
"Khun Yay, if you multiplied the amount of money spent
on cigarettes two or three times, it would equal about 12,000
baht for alcohol."
"Do you go to clubs with
"Yes, I do."
your
friends?"
The Warm He…
We have learned about the roads leading to ruin numerous times, but we have never implemented the principles to avoid them into our daily lives. When we suffer, we blame society or someone else. Luang