◆ Important things when aiming to save 1 million yen
If you think, “Let’s save 1 million yen for the time being!”, What I definitely want to learn is “how to use (money)” rather than “how to save” technology.
There are three elements of household budget: income, expenditure, and savings. There is “income”, from which “expenditure” is made, and the rest is “savings (operation)”. Households repeat this cycle for the rest of their lives. If it’s hard to save money, the big factor is probably “expenditure”.
By the way, it is not recommended for those who do not have 1 million yen on hand to take risks and increase them before reviewing “expenditure”. For example, even if you can take a risk with a fund of 500,000 yen and manage it at 3% a year, the return is 15,000 yen. Even if it continues for 10 years, it will be a plus of about 170,000 yen. This doesn’t make the household budget so good.
Of course, there is no guarantee that it will increase, and there is a possibility that 500,000 yen will be damaged. If that is the case, if you can save even 5,000 yen a month, you will save 60,000 yen a year, and if this pace continues for 10 years, you will save 600,000 yen. It’s very reliable and effective.
◆ If you save 1 million yen in one year, save 83,333 yen each month
Now let’s do a simple calculation. If you want to save 1 million yen in one year, you can save 83,333 yen a month, and if you save 3 years, you can save 27,777 yen each. Yes, the calculation is easy. The hard part is doing this. why? That is because the psychology of wanting to spend money works.
At this time, there is a research field that is very helpful. “Behavioral economics”. Human behavior is not always rational, and it is a field where past experiences and emotions have a great influence on behavior patterns from the aspect of economics. If you think of it as economics + psychology, it will be easier to understand.
For example, even with the same 30,000 yen, if you have your own salary income, you can use it carefully, but if you have extra income, you can splurge. Can you somehow convey the image? The “source” has a greater influence on the usage than the amount of “30,000 yen”. If you take the plunge, consumption is largely determined by your mind. So, first, let’s record your own shopping pattern.
The first step is to know what kind of psychological pattern you are spending money on. To do that, start by getting a receipt. In many cases, even a box to throw away the receipt is carefully prepared in front of the cash register, but from my point of view, not receiving a receipt is an act permitted by senior household management (laughs). ..
◆ Try to list the top 3 spending items that you use most from the receipt
The information on the current receipt is excellent. In addition to the amount, date and time, place, product name, etc. By looking back on these, you can see your own consumption behavior pattern. If you collect receipts for a month, please add up and list the top 3 spending items that you use most. It’s worth reviewing because it’s the top three.
At this time, the expense items such as “convenience store” and “card use” are NG. In order to know the “behavioral pattern” of shopping, it is certainly important to know “where (how)” you bought it. One counselor found out that he spends 30,000 to 40,000 yen a month at a convenience store, and even immediately reviewed his behavior pattern.
But first, let’s divide the expenses according to what you bought. Is it a magazine, a drink, or a candy? Even if you go to a convenience store, if you buy only what you need, you don’t have to change your behavior pattern.
However, it is not so important to divide the accounts into expenses, so don’t worry too much and divide them as you like. You can make the rules yourself. The important thing is not “what (expense)” you bought, but “why” you bought it. In other words, check the feeling (mind) when you bought it.
Once you know the top three, mark the ones you were happy with with a circle and the ones you regret not having bought with a cross. Then, you should be able to see your consumption habit in the pattern of 〇 and the pattern of ×.
I think it will be easier to organize your mind if you write down in a notebook what specific measures you need to take to avoid repeating the same thing, why you regret it. If this is a diary, the diary is more useful for improving the household budget than the household account book.
Don’t think “let’s start tomorrow”. I think it’s something that read this article. Why don’t you start with “receipt taking” right now? If you start late, you’ll get a million yen away!
Sentence = Keiko Yatsui (Money Guide)