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.
