Yahoo! News What are the characteristics of people who save money?Explains what you can do to become a person who saves money, lifestyle and household management methods

Save on living expenses and save money!

It seems that there are many people who say, "I don't have money when I realize that I should have saved money." Therefore, check the characteristics of people who save money and those who do not. We will explain what you can do to become a person who saves money, such as how to save money, how to keep a household account book, how to save living expenses, lifestyle habits and how to manage your household budget.

Characteristics of people who save money ・ How to live

If you're thinking, "It depends on your family and the environment around you to get rich!", Wait a minute. In fact, people who save money have something in common. Knowing the characteristics of people who save money, such as lifestyle and personality, and just reviewing their daily lifestyles should be a clue to escape from the current situation where there is no money! Let's check it immediately. ■ Understanding income and expenses and managing money First of all, people who save money know their income and expenses. When you don't have enough money, you can think about "whether you have spent too much money" or "how much you have spent", and on the contrary, if you have more money to spend, you can analyze "why you have increased". People who can manage money = people who can easily save money. One of the characteristics of people who save money is to manage their household budget, such as keeping a household account book to keep track of their income and expenses. Enter savings, income, and expenses in the household account book. The points of how to make a household account book that saves money are as follows. Savings: How much in total, how fast you are spending your savings each month Income: Knowing how much regular income (pension, etc.) is the basis of your living expenses Expenditure: Utilities, utilities, insurance, etc. List the budget and the amount actually spent for each item according to your life, such as taxes, housing loans, food expenses, daily necessities expenses, hobbies / entertainment expenses, medical expenses, event expenses, etc. Also include "where to get the money". The important thing is to keep a household account book every month. The key to keeping savings reasonably is to keep track of your income and expenses in your own way, without spending more effort than necessary. Recently, there is a smartphone app that allows you to manage your household budget just by taking a receipt, so make sure to use it to save on your living expenses. ■ Saving properly every month The second characteristic of people who save money is that they save every month. There are two tips for saving.・ When you have a monthly income, you should save it first. ・ You should save a reasonable amount that you do not have trouble with your life every month. For example, let's say you save 50,000 yen each month. Then, it will be calculated that 600,000 yen will be saved in one year. It's important to stay steadfast in this style. As an idea of ​​monthly savings, we recommend using the bank's "reserve savings" or, if you are a company employee, deduct a certain amount from your salary and save it in a bank. You can also create a bank account for your savings and never withdraw money from it. In addition, there are the following methods of accumulation. ▼ Recommended Savings Method Tsumitate NISA: Tsumitate NISA is NISA (Nippon Individual Savings Account) dedicated to funded investment. It is also recommended for investment beginners as you can easily start "long-term, diversified, funded investment" with a small amount of at least 100 yen per month. Department Store Tomo no Kai: A department store "Tomo no Kai" service where you can get a shopping voucher with a bonus added one year later if you accumulate a certain amount every month. Unlike bank deposits, it is not taxed, and there are various special services such as year-end gift discounts. iDeCo: iDeCo is a personal defined contribution pension plan. It is a mechanism to accumulate the premiums selected in units of 5,000 to 1,000 yen every month and receive them after the age of 60 in principle. The accumulated money is subject to income deduction, and income tax and inhabitant tax can be saved. ■ Do not use installment payments or revolving payments Credit cards do not reduce the amount of money you have, so they tend to be wasted. People who don't use credit cards as much as possible can be said to be people who save money. Also, when using a credit card, it is a characteristic of people who save money that they do not use installment payments or revolving payments, but instead use "lump sum payments". Since installment payments and revolving payments require a fee, the monthly payment amount may seem small, but the fee will be wasted. If you pay in one lump sum, there is no fee and you can save that much. If you use a credit card, paying in one lump sum is the fastest way to save money. It is also recommended to use cashless payment such as cash-charged e-commerce because you can save points and earn points.

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