家賃は収入の30％を超えない範囲で予算設定するというルールは世界共通の認識です。家賃の支払いを収入の30％以内に抑えることで、他の生活費や人生における目標達成のための資金を確保することができるからです。
The rents of the 30 % rule seem to be in the American National Housing Law, which was established in the 1930s.We have established public housing programs for low -income earners and have set the maximum rent guidelines.Nowadays, it is widely used worldwide as a criterion for determining the amount of money to spend at most income levels.Another number is used to pay a mortgage.
Rent 30 % rules are to keep your monthly rent from exceeding 30 % of your monthly income.How much budget for rent is calculated over 30 % per month.For example, if the monthly income is 300,000 yen, the rent maximum is 90,000 yen.
70 % of the remaining monthly income will be used for other daily necessities such as utility bills and food expenses, fun expenses such as eating out and entertainment expenses, savings and scholarship repayments.
Calculate at 30 % of the take -up instead of face value
By the way, is it better to calculate the monthly income at face value or calculate by hand?It is better to do budget management if you assume it by taking it.
If the monthly income is 300,000 yen, it is about 240,000 yen when converted to handling.30 % from there is 72,000 yen.The rest is 168,000 yen.If the face value is 30 %, 90,000 yen, the rest will give a difference of 150,000 yen and 18,000 yen per month.
Considering transportation expenses, medical expenses, insurance, food expenses, clothing expenses, utility costs, etc., savings will not be as large as possible.By buying a budget with a handling income instead of face value, you will not have to pay more than the reality you can pay.
What about high -income earners with an annual income of 10 million yen?It is about 7.2 million yen when it is taken, and about 600,000 yen when converted to monthly handling.In this case, if the rent of 30 % is 180,000 yen, the rest is 420,000 yen.
If you put two children in private, the monthly tuition is about 200,000 yen (100,000 yen per person).In that case, the rest of the tuition and education expenses is 220,000 yen.If you pay other living expenses, you will quickly lose money.
There is a lot of need to improve the living environment in Corona, but even if you have a high income, the rent will be less likely to be around the household budget.
In particular, the annual income of 10 million yen is a line that seems to be luxurious.If you jump more and get an annual income of about 30 million yen, you may be able to make the rent of 30 % or more.However, if the person is planning an early retirement, it is better to follow the 30 % rule.
Recently, it seems that the number of people who spend more than 50 % of income in Japan and the United States for housing expenses is increasing year by year.The rising rent and deflation are due to the sluggish wage.
However, rent is as much as 30 % of the take.In Japan and in Singapore, I try to look for a house for 3-4 months.
Rather than making an effort to save on food expenses for 1 yen, it feels much more efficient to save fixed costs that affect big monthly expenditures.
If you succeed in compressing the money you need for your life, such as rent and educational expenses, household management is like successful.I want to make a compromise without a compromise by negotiating a discount or devising a little.