100万円を貯めるために、クレジットカードを使うメリットを知ろう

貯金100万円、あなたにとって少ない金額でしょうか?それとも多い金額でしょうか?

貯金を100万円増やす事は、あなたが思っているほど難しいことではないのかもしれません。

行動パターンを少し変えるだけで100万円の貯金ができるかもしれません。

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どんな風に買い物をしていますか?

毎日の生活に欠かす事ができないのが買い物です。

食品、日用品、衣類、娯楽費、医療費など、生活のあらゆる場面でお金を使います。

お金を使わなければ、生活することができないといっても過言ではありません。

しかし、使わなくてはならいお金だとしても、何も考えずに右から左へお金を支払っていては、貯まるべきお金も貯まりません。

お金は上手に使わなくてはならないのです。

お金を支払う時、どんな風に支払いをしていますか?

現金、代金引換、振込、口座振替、カードなど、様々な支払い方法があります。

実際に生活する場面で、あなたはどういう支払い方法をえらんでいるでしょうか?

思い返してみてください。

一番簡単な方法や、自分にとって楽な方法を選んではいませんか?

中には『現金払い』が1番効率がよく、安全な支払い方法だと考えて、それ以外の方法は好んで利用しないというこだわりを持っているのではないでしょうか?

賢いお金の支払い方は、手数料がかからない方法を選ぶことです。

もしくは、少しでもメリットのある方法を選ぶことです。

クレジットカードを上手に利用しましよう

使う人は毎日でも利用する、使わない人は全く利用しないお金の支払い方法、それがクレジットカードです。

どちらが賢いと思いますか?

クレジットカードを利用しない人は『使いすぎが怖い』という意見が多くあります。

しかし、本当にそうなのでしょうか?

衝動甲斐と呼ばれるようなムダ遣いではなく、普段のお買い物などにはクレジットカードを利用した方がお得な場面はたくさんあります。

よくある通常のクレジットカードの場合、利用料金の1%分がポイントとして貯まることがあります。

1%のポイントが付くということは、言い換えれば1%の値引きになるということです。

普通なら割引されることのない病院での医療費の支払いや書籍などの購入も、1%値引きされるということです。

もし現金で支払っていたとすれば、その1%の値引きはされることはありません。

カード利用者が値引きされても、現金支払いの方は1円たりとも値引きされることはないのです。

100円なら1円、1000円なら10円というわずかな金額ですが、100万円使うとしたら1万円の値引きが受けられるのです。

カード払いをしないということは、100万円使ったら1万円捨てているということになります。

もったいないと思いませんか?

いくらの支払いからクレジットカードを使いますか?

クレジットカードはいろんな場所で使えます。

スーパー、コンビニ、飲食店、ガソリンスタンド、病院、薬局、インターネットショッピングでも利用できます。

一部のお店をのぞいて、1円以上でクレジットカードを利用することができるのです。

少ない金額をカードを使って支払うのは恥ずかしい、という風に思う方もいるかもしれませんが、それは間違いです。

少額でもカードを使えば、おつりをもらって財布の中が小銭でいっぱいになるということも防ぐ事ができるので、カードでの支払いはスマートな支払いでもあるのです。

インターネットショッピングでも、カードを利用すればスマートにお買い物することができます。

現金で支払おうとすれば必要になる代引き手数料も、カードなら必要ありません。

また、振込手数料などの手数料、面倒な手続きも一切必要ありません。

カード払いはムダなお金を一切使わないスマートな支払い方法なのです。

カードを使わなければ、必要のないお金まで支払わなくてはなりません。

上手に活用して少しでも出費を減らしましょう。

ムダにお金を使わない、それが100万円貯金への近道なのです。

カードの特典を利用しましょう

あなたの財布の中には何枚のクレジットカードが入っていますか?

何も考えずに1つのカードしか使っていない、ということはないでしょうか?

現金で支払うことを思えばたった1枚でも使う方が良いのですが、カード利用上級者は数枚のカードを上手に使いこなします。

例えば、このお店ではこのカードを使った方がポイントの還元率が高いといった具合に、その場面に応じて一番お得なカードを使って支払うのです。

そうすれば、ポイントの還元は1%だけではなく、それ以上に増えていくのです。

また、カードを使わなくても、カードの提示で『コーヒー1杯無料』なんてサービスを受けられることもよくあります。

たかがコーヒー1杯でも、自動販売機で買えば110円、お店で飲めば300円以上することだってあります。

コーヒー1杯タダで飲むだけでも、100万円貯金のための節約に少しずつ近づいているのです。

たかが1%、たかが100円と考えるか、それともチリツモだと考えるかで、100万円貯金が遠くもなり、近くにもなるのです。

カードのいろんな特典を利用することも貯金への第一歩だと考えましょう。

最後に

現金払いはお金のムダ遣いです。
少しでも節約して貯金をしようと思うのなら、スマートにクレジットカードを利用して、ムダな出費を減らすようにすると良いでしょう。
知らず知らずのうちにお金を捨ててしまってはいないか、自分のお金使い方を確認してみると良いでしょう。

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