100万円を貯金するために、毎日の飲食費を節約しよう

100万円を一気に貯金するとなると難しいと考えがちですが、少しずつ貯めることによって、無理なくためることができます。

身近なところに目を向けて節約をすることで、負担に感じることなく貯金をすることが可能です。

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お弁当や水筒を持参して出費を減らそう

外出するときは水筒を持参しよう

外出先で喉が渇いたときに、手元に飲み物がないときは、コンビニエンスストアやスーパー、自動販売機を利用する人が多いです。

ペットボトルや缶は1本100円前後で購入することができるので、それほどお財布には負担がないと考えがちです。

しかし毎日、100円前後の出費があることを考えると、単純計算しても3000円の出費になっています。

飲み物だけで3000円の出費というのは、毎月の食費の中でも多くを占めていますから、節約すべき部分だと言えます。

小銭は軽い気持ちで使ってしまいますが、塵も積もれば山となるというように、月単位で考えると3000円を超える金額になっていますから、飲み物は外で購入するのではなく自宅から水筒を持参することをおすすめします。

水筒の機能が高くなっていますから、夏はキンキンに冷えた冷たいものを持ち歩くことができますし、冬は暖かく癒されるような飲み物を持参することができます。

お茶を持ち歩くことにすれば、無駄に糖分やカロリーを摂取しなくて済むので、ダイエットや健康のためにも向いています。

お弁当を持参することで余計なものを買わない

食事は健康を維持するために欠かせないものですが、外食ばかりしていると味が濃かったり油分が多かったりするので、太ってしまったり栄養バランスを崩してしまうことがあります。

また外食する場合はランチであっても一食につき500円以上の価格設定になっているところが多いですし、コンビニで購入してもお弁当の他にサラダや飲み物など、つい沢山購入してしまいがちです。

昼食で毎日500円支払うとすると、単純計算で毎月の昼食費は15000円になってしまいます。

独り暮らしをしている場合、食費は平均で2万円前後の人が多いとされています。

そうなると、昼食に占める割合がかなり高くなってしまいますし、他の世帯と比べていても食費が高くなっていることがわかります。

食費は家計の中でも変動率が高く、尚且つ工夫次第で節約しやすい部分ですから、毎回外食をするのではなくて、お弁当を持参することをおすすめします。

お弁当を持参することによって、コンビニなどのお店に行く頻度を減らすことができ、お菓子などを買い控えることが可能です。

お弁当で健康を維持する

社会人の場合はランチに外食をすることが多いので、節約をするためにお弁当を持参することが大切です。

しかしそれは社会人だけにあてはまるのではなく、専業主婦や在宅勤務をしている人にも当てはまります。

昼食にお弁当を食べることによって、お店に行って余計なものを買わないので節約できるというだけでなく、調理をするときの光熱費も節約することができます。

食費と同じように、光熱費も節約がしやすい部分です。

基本料金以外は、使った分に応じて支払うことになるので、昼食に食べるお弁当を、朝のうちに朝食と一緒に調理を済ませてしまえば夕食を作るまでガスや電気を使わなくてすみます。

光熱費を節約することによって、そのお金を貯金にまわすことができます。

そしてお弁当を作るメリットは、健康にもつながっています。

家で調理したものは、添加物が含まれていませんし、味付けを薄味にすることができるからです。

野菜が足りないと感じたときは野菜を多くふくむメニューにしたり、家計がピンチだというときは冷蔵庫の残り物で工夫するというアレンジも可能です。

節約した分を貯金して100万円にする

外食を控えることによって、その分の食事代金を貯金にまわすことができます。

さらに、朝食を作るときに一気にまとめて作ることによって光熱費を節約することができるので、その分を貯金にまわることができます。

あらかじめ貯金をする分を給料から差し引くのではなく、本来であればかかった費用を貯金にまわすことができるので、無理なく貯金できるというのが魅力です。

そして貯金目標として、多すぎても少なすぎてもいけません。

多すぎると途中で挫折をしてしまい、貯金を諦めてしまうことがありますし、少なすぎると簡単に目標を達成することができるので、張り合いがなくなってしまいます。

簡単に貯められるのであれば、必要な時に貯めればいいという考えが働きますから、100万円を目標とするのはちょうどよいといえます。

100万円を貯めたら、大きな買い物をすることができますし、マンションや車などを取得するときの頭金にもなります。

また100万円というまとまったお金があることによって、精神的にも余裕を得られるという魅力もあります。

最後に

無理なく100万円を貯金するためには、あといくらで目標の貯金額が達成すると考えるのではなく、知らないうちに貯金ができていたと心を大きく構えることが必要です。
そのためには普段から節約を意識した生活をおくることが大事です。

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