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「貯金が全然貯まらない」と嘆いている人はいませんか?
収入は同じはずなのに、同僚の方が貯金額が多いなんて事もありますよね。
実は、貯金というのは仕組みで貯めないと、どんなに頑張っても貯まらないものなのです。
今回はその仕組みについて解説をしていきたいと思います。
貯金が出来ない人の特徴とは?
貯金が出来ない人の多くは”収入が少ない”、”散財が多い”のどちらかです。
しかし前者については、最低賃金が守られており、週40時間の労働を行なっていればが少ないとは言えないでしょう。
もし、週40時間も働いていないのであれば、収入が少ない可能性がありますので労働時間から見直してください。
つまり、貯金ができない人は散財が多いという事になります。
散財を減らす仕組みさえ作ってしまえば、誰でも貯金が出来るのです。
散財を減らす仕組み①
散財を減らす仕組みの一つ目は「高いものを買わない」という事です。
当たり前の事ですが、これが意外と守られていません。
例えば、”普段のお昼ご飯”と”旅行中のお昼ご飯”で考えてみましょう。
前者の予算は高くても1000円程度だと思いますが、後者は2500円や3000円ぐらいまで余裕と思いませんか?
そう、人は環境に応じて高いと感じる値段が変動してしまうのです。
特に旅行など特別な時には金銭感覚が急変します。
これを防ぐためにも、普段の予算をメモした物を持ち歩きましょう。
スマホのメモ機能を使えば、簡単にできます。
[aside type=”normal”]メモお昼ご飯・・・800円まで
夜ご飯・・・2000円まで
自販機・・・120円まで
シャンプー・・・400円まで
・・・
[/aside]上記のように品目ごとに予算をメモして置きましょう。
と言っても、全ての品目を一気にメモするのは現実的ではありません。
なので、普段の買い物で購入した物から徐々にメモに追加していくスタイルが一番簡単で続けやすいです。
予算の決め方は、普段の買い物で買う金額を参考にすれば問題ないので特別安く設定する必要はありません。
正直、面倒で予算オーバをしてしまう事もあるでしょうが、仕組みを作り守らなければ一生貯金などできません。
厳しい言い方ですがこんな事も出来ないのであれば、貯金は諦めた方がいいと思います。
散財を減らす仕組み②
散財を減らす仕組みの二つ目は「固定費の見直し」です。
いくら、①で普段の出費を見直しても、固定費が高ければ意味がありません。
まず、現在かかっている固定費を全部書き出しましょう。
意外と忘れがちなのが、月々払いではなく、年払いの固定資産税や車検代などです。
その他にも、新聞代や月額制のアプリなど低額のサービスも忘れがちですので注意してください。
これらの全てを書き出したら、厳し目に無駄を洗い出してください。
ここは、躊躇することなく無駄だと思うものは全て出しましょう。
無駄なものが出揃ったら、どこが無駄で、どうすれば削れるのかを考えてみてください。
例えば、新聞代などは明らかに無駄な出費であり、今すぐにでも止めた方がいいと思います。
また、出費の大きな家賃やローンについても、住んでいる場所の見直しやローンの借り換えなどで大幅に見直せます。
こちらは、①と違い一度行うと継続的に出来て、しかも金額も大きいです。
即効性が高いので、すぐに実施してください。
②の見直し点が見つからない
散財の減らす仕組みは大きく二つなのですが、②の見直し点が見つからないという人も多い事でしょう。
もし、本当に見つからないなのであれば、貯金が出来ているはずです。
つまり、貯金が出来ていないにも関わらず、見直し点が見つからない理由は自分に甘いからです。
例えば、光熱費・通信費などを同じような条件の人と比べてみてください。
ネットで検索すれば、いくらでも出てきますし、同僚や友達に聞いてもいいでしょう。
そうすれば、あなたの無駄遣いが明らかになるはずです。
今回は貯金の仕組み作りがテーマではありますが、一番大事な事は、周りを知るということです。
ですので、とにかく周りがどこに、どれだけお金を使っているのかを調べてください。
マネーフォワードなどの家計簿アプリでは、他の人の平均的な予算を見ることが出来ます。
ぜひ、そちらもご利用下さい。
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