"I want to save money" This is a wish for many people. However, it is people who spend as much money as they have in front of them.
You might think that if you make more money, you will save more. However, the more income you have, the more you spend, and it is often the case that you spend more than you do.
According to the usage status from November 1st to December 24th announced by Mastercard, a major US credit card company, retail sales during the US year-end sales season increased by 8.5% from the previous year. The surge in electronic commerce (EC) seems to have been the driving force.
Some may ignite revenge consumption , which has been suppressed by Corona for two years. This time, I will tell you how to save money even if you are such a "save betta".
1. Think about why you need to save
Many people will have time to think about their goals for next year and beyond during the New Year holidays. Those who want to build up their savings need to be more burdened than they are now. It 's also important to think about why you need to reach that goal . If there is no "why", you may give up on the way.
If you compare it to a diet, you may have a goal of losing 3 kilograms, and the reason may be "If you lose weight, you want to come in a swimsuit and post it on SNS." It's important to cherish that feeling, as it can be any personal and trivial reason.
The goal is to save 1 million yen, and you can use it to start a small business or buy a bag. Think about specific amounts and reasons to stay motivated.
2. Create a mechanism to collect
In order to lose weight, the balance between calorie intake and calorie consumption is important. It's important not to spend more than your income in order to save, and it's clearer and easier to understand than calorie counting. It's easy to say, but why is it difficult for so many people to save even if they continue to save money? It is highly possible that the mechanism has not been created.
I sometimes hear a voice from a housewife saying, "I want to start a part-time job because my husband's income is not enough for my household budget." However, even if you increase your income, why not put it in a bucket with holes? Income tends to be overused more than it has increased. When I go to work, I need clothes, bags, makeup, etc., and I also use lunch and cafes. You may be tired and have more opportunities to eat out and use delivery.
Step 1: Understanding household budget
If you don't know your household budget as a starting point, find out the details of banks, utilities, etc. and find out what you are spending and how much you are spending. If you compare this to a diet, it is an act of measuring your weight. If you don't know the start, it's difficult to set goals.
Step 2: Fixed costs → Save money from big expenses such as food expenses
Next, let's thoroughly review fixed costs. Communication costs, utilities costs, insurance premiums, transportation costs, etc. are very effective when reviewed. If you don't understand because of the complicated fee structure, you can ask an expert or a close friend.
The next thing to do is manage variable costs. In particular, food expenses account for a very large proportion. Engel's coefficient seems to be about 25%.
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The method I am doing is to decide and manage the main supermarket and a card dedicated to food expenses . Specifically, 90% of the shopping is done at the online supermarket, and the card is used for shopping, so the total amount of the card is food expenses. Aiming for a budget of 5,000 yen each time, 2-3 times a week, we have decided the frequency and budget once . Then, the monthly supermarket cost will be up to about 60,000 yen, which makes it easier to manage.
Some people may want to use multiple supermarkets. For example, such a person may devise such as putting the monthly budget in a supermarket wallet or a prepaid card and managing it within the budget. If you are a master of household budget management, you can use a postpaid credit card, but if the time is off until the payment is completed for about a month, the management will become complicated. You can also use cash, prepaid prepaid cards, and instant debit cards .
In addition, when they were piled up, my family was able to pay for the large transportation costs. I used to use a ride-hailing service such as Uber, but when I switched to a shared ride-hailing service and public transportation, I saved tens of thousands of yen a month. There is room to save less-focused spending by using sharing services .
In this way, we will review the waste and waste from a big point . If possible, it is easier to understand the total amount of spending if you combine spending accounts into one .
Step 3: Automatically reserve after you have enough time
If you have enough room in your household, it is a good idea to use automatic savings to move to another account and increase your savings. If you do not deduct after organizing your household budget, even if you save a lot of money, it will be destroyed if you run out of money.
3. Engage and save friends
Finally, it is important to involve family members and other peers to achieve continuous savings and savings. Even if you are not a family member, you can search for friends and friends who are trying to save the same money on SNS. Even when it's hard, if you have friends who support each other instead of alone, you are more likely to overcome it. Also, if you declare to someone, you will be more motivated .
In fact, my family was hacked and spammed, but I was embarrassed because I found some wasted money when I checked all the details on my family card. I felt it was important to keep an eye on this kind of surveillance from time to time.
For the past two years, I myself have been living abroad without being able to return to Japan temporarily. There were times when regulations were strict, and spending to get in the mood for myself was the easiest way. Of course, shopping also had a positive effect, such as suppressing depression. However, next year I have decided to save waste for my future goals.
Thank you for your continued support this year. I look forward to working with you next year. We hope you all have a good year.
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