News "People who cannot save" 7 reasons

People who cannot save, such as not being able to use time, have characteristics.

Twenty days will be 2021, and many people will want to increase their savings next year. And I guess some people may have been thinking about the same thing last year ... This time, I will introduce the characteristics of people who cannot save. [Illustration] 47 prefectures "Average savings amount" The ranking time has not been used. it might be. In fact, you can save money by saving the time you think. If you create a mechanism to accumulate a fixed amount every month, you will save money even if you are silent. Let's create a mechanism to accumulate a fixed monthly monthly amount immediately, not the new year. If the company has a financial savings system, use a salary deduction method or a procedure to transfer it on a regular payday at a bank for a payroll account. And let's live without having to make the money you have accumulated. Bonuses that make bonuses as compensating for living expenses are the opportunity to increase your savings. In order to save 1 million yen a year, it is necessary to accumulate about 83,000 yen per month. However, if you save a total of 400,000 yen for a total of 200,000 yen for a summer and winter bonus, you can save 1 million yen per month for 50,000 yen per month. The more you save the bonus, the faster your savings will be. You may plan to plan a high expense, such as purchasing home appliances with bonuses, but if possible, 70 % of the bonuses are saved and 30 % are divided into expenses. Also, if you use bonuses to make up your daily living expenses, it is important to review your monthly living expenses and make your household budget that can save and manage in your monthly income. Fixed costs, which have a high ratio of fixed costs, include monthly housing expenses, utilities expenses, communication expenses, insurance, lessons, and subservations (flat -rate services). It is always paid every month, and the higher the percentage of this fixed cost, the harder it is to save. It is especially important to be careful if the housing expenses exceed 40 % of the monthly income. If you can't change your housing expenses, review your communication expenses, insurance premiums, lessons, subscs, etc., switch to cheap SIMs, cancel lessons and sub -suks, and save them. By reviewing the fixed cost once, the effect continues and it can be turned into its storage savings. The management of variable costs is donated account variable expenses, such as food expenses and daily necessities expenses other than fixed costs. How much of these variable costs can be used every month is the amount of the total savings and fixed costs from the monthly income. If you do not know the living expenses that can be used every month, even if you know, if you know that cashless payment is appropriate, it will be a deficit household, you will lose your savings or compensate from the bonus. Calculate your monthly living expenses and learn the habit of managing it with a household account book app so that you can manage it. Would you like to pay the payment of utility bills and taxes paid in the transfer form with a transfer paper? The reason is that if you have cash at hand, you may spend it for expenses other than the application, or the payment deadline will be over, and you may pay waste of delinquent damage. By making an account transfer, you will not forget to pay, you will not have to have cash at hand more than necessary, and it will be easier to manage money. As long as you live alone because you are living alone who thinks why you don't save, you won't save money, as long as you don't have a small income. Even in similar circumstances, many people act to save money, such as thinking about the priority of expenditures, doing side jobs and increasing their income. If the reason not to accumulate is clear, it will be clear what to do. It is important not only to think, but also to take action. How much is the target of savings that you can't make an image of saving money? For example, it is said that 30 % of the property price is a down payment when purchasing a house. If so, let's imagine replacing it with a realistic number. Even if you have never saved 10 million yen, if you have saved 1 million yen, if you save 1 million yen 10 times, it will be 10 million yen. Similarly, you can achieve 1 million yen by saving 100,000 yen 10 times. Even if the savings amount that seems to be such a seemingly distant, you will be able to accumulate the image of saving money specifically by replacing it with a familiar savings amount, and will be able to recognize it as a realized amount. You can change to a accumulated household by knowing the reason you can't save and the tips for accumulating. It depends on the motivation. After graduating from Harumi Maruyama, she moved to a travel agency, a part -time worker, a company employee, and a convenience store manager. She wakes up at the age of 22 and she saves 2 million yen in a year when her annual income is less than 3.5 million yen. She bought an apartment at the age of 26. She was independent as a saving advisor in 2001. She has acquired a financial planner and a consumer life advisor, and she has been active in TV and magazines, working on money management and operation advice.

Harumi Maruyama