I want to know tips for saving money! How to save the target amount without difficulty even with low income ! tips for saving money

 

I want to know tips for saving money! How to save the target amount without difficulty even with low income

I want to know tips for saving money!  How to save the target amount without difficulty even with low income

I want to save money, but I always get frustrated

I don't know where to start

I want to know how to save money even if I have a low income

 

Do you have any problems?

 

If your income is low in the first place, most of your monthly expenses will go away, so it will be difficult to find more money to save from there.

 

However, you can save money regardless of your income.

 

The point is to create a system that saves money. Regardless of your motivation or awareness, you will create a semi-forced flow of saving money.

 

In this article, I would like to mainly introduce the reasons why you cannot save money, tips for continuing to save money, and saving techniques.

 

table of contents

Before you know the trick! 6 things that people who can't save money have in common

① I'm thinking of saving the extra money

②I often use convenience stores

(3) Many impulse purchases

④ make fun of small money

⑤ Do not try to review fixed costs

⑥ Try to reduce waste to zero

 

The trick to saving money is to create a system that saves money

Step1.

Step2. Set specific goals

Step3. Determine monthly savings amount

Step4. Consider fixed and variable costs separately

Step5. Create two accounts, one for savings and one for everyday spending

The trick to saving money is in saving money! Savings you can implement immediately

Saving ① Switch to a cheap smartphone

Saving ② Review life insurance and medical insurance

Saving ③ Create a waste frame

Only this! 3 easy ways to reduce waste

Tip 1: Avoid using credit cards

Tip 2: Only carry a certain amount of money in your wallet

Tip 3: Avoid online shopping

The trick to saving money is to create a system that saves money

Before you know the trick! 6 things that people who can't save money have in common

Before you know the trick!  6 things that people who can't save money have in common

What is the difference between those who cannot save money and those who can?

 

Here are six common traits that people who can't save money have in common. Please look back on your daily life and check if there is anything that applies to you.

 

① I'm thinking of saving the extra money

Many people who can't save money think, "When I get my salary, I'll buy what I need and want first, and then put the surplus money into savings."

 

You can't save money this way. Because everyone spends money when they have it.

 

No matter how much you think, "I'll keep ◯ million money this month without touching it," it will definitely happen that you make an impulse purchase or accidentally waste it.

 

Instead, when you receive a paycheck or sales deposit, preempt the amount you want to save, preferably on the same day .

 

By taking things in advance, you don't have the money to waste money in the first place.

 

②I often use convenience stores

Many people use convenience stores for small purchases such as juice and sweets.

 

It is true that there are many convenience stores, and they are easy to use and convenient. Some people say that it is a daily routine to stop by a convenience store during lunch break or on the way home from work.

 

However, convenience stores are a treasure trove of temptations.

 

I entered with the intention of buying only one juice,

 

I bought some snacks and a magazine.

 

I was just going to pay the utility bills, but

 

I also bought fried food next to the cash register.

 

When using an ATM,

 

I bought new sweets and coffee...

 

Everyone remembers it.

 

In this way, when you go to a convenience store, you will end up buying more.

 

What was intended as a "little bit" would end up costing hundreds or even thousands of money .

 

Let's think about how much it will be in a year if you save money for convenience stores.

 

The savings effect is more than 120,000 money a year!  Here are 12 tips to save money!                The savings effect is more than 120,000 money a year! Here are 12 tips to save money!

(3) Many impulse purchases

When shopping, do you decide "at which store" and "what" to buy before going out?

 

People who cannot save money do not plan their purchases.

 

Go to the store without purpose and buy whatever you see.

 

Or, even though I had a purpose, there was something else I was interested in, and I ended up buying both. You can't really save money with this.

 

When you go shopping, write down a list of things to buy , even in a notepad on your smartphone .

 

When you know what you're buying, you're less likely to end up in corners you don't need to go to.

 

④ make fun of small money

People who are unable to save money tend to neglect small amounts of money such as 1 money or 10 money.

 

It's okay to lose 1 money or 10 money

 

It's silly to be stingy with a difference of a few money

 

As the saying goes, those who laugh at a penny cry at a penny, so those who mock a small amount of money will cry for a small amount of money.

 

Even 1 money or 10 money is a lot of money if you add it up. Let's change the feeling of thinking "this is good enough".

 

⑤ Do not try to review fixed costs

There are two types of expenses: fixed costs and variable costs.

 

More on that in the next paragraph, but in a nutshell:

 

Fixed expenses……Monthly fixed expenses (housing expenses, insurance premiums, smartphone bills, etc.)

Variable expenses……Money that varies from month to month (food expenses, daily necessities, entertainment expenses, etc.)

is.

 

People who struggle with monthly savings often start with variable expenses.

 

However, the focus should be on fixed costs.

 

This is because fixed costs are more effective in saving money .

 

For example, if you spend 10,000 money on monthly smartphone communication costs, but if you can reduce it to 3,000 money or less by switching to a cheap SIM, you will definitely save 7,000 money every month. It is 84,000 money per year.

 

Another advantage of fixed costs is that once you review them, you can keep costs down for a long time.

 

How to save communication costs!  One review and lasting effect!          How to save communication costs! One review and lasting effect!

⑥ Try to reduce waste to zero

Even if you think "Let's save money" or "Let's save money", you will fail because it won't last.

 

The reason why it doesn't last is because you're setting unreasonable goals.

 

Zero waste and wastage! It is also a kind of unreasonable goal.

 

Certainly, if you buy only what you want every month and the cost of luxury items such as cigarettes and alcohol is putting pressure on your household budget, you need to review it.

 

On the other hand, if you suddenly set it to zero, it will have the opposite effect. This is because it is possible that the recoil will lead to even more impulse purchases.

 

It is also NG to be too clean about how to use money .

 

"You can waste up to ◯ money every month."

"You can buy cigarettes within this range every month."

So, let's secure the amount of money that can be called "breathing expenses" for yourself.

 

The trick to saving money is to create a system that saves money

The trick to saving money is to create a system that saves money

Some people think that the trick to keep saving is motivation.

 

"I'll save 1 million money in a year!" "I'll cut down on waste this month!"

 

The important thing is to create a system that can be continued without setbacks .

 

We will show you how in 5 steps.

 

Step1.

Do you know how much money you spend each month on what?

 

The most reliable way to keep track of your cash flow is to keep a household account book.

 

For those who don't have the habit of keeping a household account book, it may feel like a high hurdle.

 

However, there are now many household account book apps for smartphones that can be easily attached. For example, " Zaim " and " Recipi! " automatically add a household account book just by taking a picture of the receipt.

 

" Zaim " also supports credit card linkage.

 

While looking at the credit card statement, there is no need to worry about "posting to the household account book..." .

 

Try to keep a household account book for at least three months and understand the flow of money.

 

Step2. Set specific goals

Have you set a savings goal?

 

When, how much, and for what purpose will you save the money?

 

I don't know how much I should withhold each month and how much I should save.

 

For example, you might consider setting goals such as:

 

Examples of specific goals

I want to travel abroad in a year, so I will save 500,000 money!

Save 1 million money for the wedding in 3 years!

Save 3 million money as tuition for a child who will be a college student in 10 years!

By setting goals like this, you can clarify the pace of saving.

 

Step3. Determine monthly savings amount

Once you've set your goals, decide how much you'll save each month.

 

Simply divide the target amount by the number of months until the due date .

 

Going back to the previous example, you can determine your monthly savings as follows:

 

Example of determination of monthly savings amount

■  Save 500,000 money because I want to travel abroad in a year!

 

→ The target was achieved with monthly savings of 42,000 money.

 

 

 

■  Save 1,000,000 money for the wedding three years later!

 

→ If you save 330,000 money every year, or 27,500 money every month, you will reach your goal.

 

 

 

■  Save 3,000,000 money as tuition for a child who will be a college student in 10 years!

 

→ If you save 300,000 money every year, or 25,000 money every month, you will reach your goal.

 

Even if you can move forward and save in the bonus month, it would be good if you could get a rough idea of ​​how much.

 

If at this stage you are in a situation where you can't think of anything (for example, you will need to save 180,000 a month for a take-home pay of 200,000), postpone your goals or increase your income. I have to think of a way.

 

By calculating the amount of monthly savings, we clarified two points: "whether it is feasible in the first place" and "how much we need to save monthly".

 

Step4. Consider fixed and variable costs separately

I told you to grasp the flow of money by keeping a household account book in Step 1.

 

There are two types of outflows: fixed costs and variable costs.

 

Fixed expenses……Monthly fixed expenses (housing expenses, insurance premiums, smartphone bills, etc.)

Variable expenses……Money that varies from month to month (food expenses, daily necessities, entertainment expenses, etc.)

Of these, variable costs are what you can save in your day-to-day life.

 

However, as I have already told you, it is also important to review the content of fixed costs and reduce the portion that can be reduced.

 

Fixed cost……the part to review the cost

Variable costs: the portion that you save in your daily life

How to save money on living expenses?  Thorough explanation of specific methods and procedures!     How to save money on living expenses? Thorough explanation of specific methods and procedures!

Step5. Create two accounts, one for savings and one for everyday spending

Finally, it is the part of creating a system that is a tip for saving money.

 

If you currently only have one bank account and you use the same account for your salary, living expenses, and savings, open another one.

 

The role of each account is as follows.

 

Role of the two accounts

■  An account for everyday spending

 

Dedicated to direct debits for fixed and variable costs

 

 

 

■  savings account

 

Dedicated to deposit monthly savings amount in advance from salary

 

You can also set your salary receipt to your regular account.

 

By the way, when opening a new account, it is recommended to use an online banking account.

 

It is attractive that the fees are low and many services can be completed online. Recently, even major city banks and regional banks have enhanced smartphone apps and internet services.

 

If you receive a salary payment or deposit,

 

Deposit the monthly savings amount from the "ordinary account" to the "savings account"

Living with the amount left in the "ordinary account"

Just these two points.

 

First, deduct the money you want to save and try to live with the remaining money.

 

The trick to saving money is in saving money! Savings you can implement immediately

The trick to saving money is in saving money!  Savings you can implement immediately

Once you have a structure that allows you to save money, think about saving your monthly expenses.

 

Here are three that are easy to implement and highly effective.

 

Saving ① Switch to a cheap smartphone

Recently, the number of people using it has increased considerably,

 

Because there is a cancellation fee...

 

Because I have a 2 year bond...

 

For this reason, many people continue to pay high communication costs to major carriers.

 

Certainly, if you cancel before the contract period has expired, you may be charged a fee of several thousand money to 10,000 money as a penalty.

 

However, if you switch to a cheap SIM, you can lower the monthly cost by 5,000 money.

 

Two months should be enough to get it back .

 

Saving ② Review life insurance and medical insurance

Of the fixed costs, insurance premiums can also be reviewed.

 

Once you review it, the effect of saving will continue, so please take this opportunity to check the coverage again.

 

Surprisingly, it is not well known, but public insurance also has a system called the “ High-Cost Medical Expenses System ,” in which medical expenses that exceed the upper limit of monthly payments are reimbursed later.

 

Let's review the insurance while paying attention to whether the insurance you are enrolled in is really necessary and whether it is not enough to use the high-cost medical care benefit system.

 

Saving ③ Create a waste frame

As I mentioned in the characteristics of people who do not succeed in saving money, it is not realistic to say that there is zero waste.

 

If saving and saving becomes painful, saving life will not last long, and above all, stress will accumulate.

 

Therefore, we will create a “wasteful spending OK frame” in advance for the monthly expenses.

 

By doing so, you can spend your money guilt-free and, as a result, save longer.

 

Only this! 3 easy ways to reduce waste

Only this!  3 easy ways to reduce waste

Even if you go to the trouble of reviewing your fixed expenses and creating a wasteful spending limit, there will be times when you end up not increasing your savings after exceeding the wasteful spending limit.

 

Such people may have a tendency to waste money. In order to save money, let's make a mechanism to suppress the wasteful habit.

 

Here are three specific tips to help you save money.

 

refrain from using credit cards

Only carry a certain amount of money in your wallet

refrain from using mail order

Let's take a closer look at each.

 

Tip 1: Avoid using credit cards

Spending habits often use credit cards.

 

However, since we are not using the money visibly, we tend to lose our minds, saying, "I can split it and it's still okay!"

 

This is a big obstacle for saving money.

 

Notes on installments

With credit card installments, you can pay less each month, but be aware that monthly installments can add up over time .

 

With installment payments with such features, the monthly payment amount will increase, and you will end up using your hard-earned savings .

 

With credit card payments, you can certainly save money because you can get points, but people who have a habit of spending money should sometimes avoid it.

 

Don't carry your credit card and pay in cash .

 

Tip 2: Only carry a certain amount of money in your wallet

People who can't save and have a habit of overspending tend to get overwhelmed when they have a lot of money in their wallets.

 

That's why we buy things we don't need. Most of the contents are food and drink expenses that do not remain in shape.

 

Especially at a drinking table, it is easy to accelerate wastefulness, so be careful.

 

To avoid this kind of waste, carry only the amount of cash you need each week.

 

If it is every day, the amount to be replenished tends to increase day by day, so please replenish once a week .

 

Tip 3: Avoid online shopping

Online shopping is an easy way to shop, but people who have a habit of spending money should avoid it as much as possible.

 

Of course, there is no particular problem if you use it after deciding what to buy.

 

The problem is that people tend to look at products when they have no use for them .

 

Because it's so easy to use, when you find what you want, the chances of you making an impulse purchase increase.

 

As for the payment method, there is a carrier payment that can be paid in addition to the mobile phone bill, which will further accelerate impulse purchases .

 

Spenders who want to save money should avoid online shopping.

 

The trick to saving money is to create a system that saves money

How was it? So far, I have told you about the characteristics of people who do not save money and tips for saving money.

 

It goes without saying that you need to review how you spend your money on a daily basis, but I hope you understand that by creating a system to save money, you can semi-forcefully save money without being influenced by your emotions. .

 

The best way to save money is to make a habit of saving money without accumulating stress .

 

Please continue to save while having fun while incorporating the saving techniques that suit you.