貯金で100万円を貯める!成功する貯蓄計画は?

貯金額100万円は比較的達成することが容易な目標金額として、多くの人が最初に設定する金額でもあります。

もちろん決して小さな金額ではないために、貯金額を100万円に近づけていくためには計画性を持って取り組むことが重要です。

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おすすめしたい貯金方法4つ

1.着実に貯めるためには天引きが有効

貯金に成功した人の多くは、最初から給料の一部はないものとして貯金に回すという方法をとっています。

これは「財形貯蓄」と呼ばれる天引きの貯金方法で、会社や事業所などで年に1回程度の案内があります。

設定した金額で申し込むことによってその分が毎月自動的に貯蓄口座に積み上げられていきます。

天引き貯金は引き出しの際の手続きが面倒であること、毎月必ず貯金されることなどで、たいへん簡単な貯金方法であり、まず100万円を貯めたいという方にとってはおすすめです。

単純計算で1ヶ月に2万円、年に2回のボーナスで10万円ずつ貯金した場合には2年半で達成することが可能です。

100万円をどの程度の年数で貯めたいのかを計画し、貯金額を調整することもできますし、1年ごとに金額の見直しもできますので、余裕があれば増額をして100万円達成までの期間を短縮することも可能です。

財形には一般財形、年金財形、住宅財形があり、通常の目的であれば一般財形で良いでしょう。

年金財形や住宅財形は、将来的な計画がしっかり定まってから始めても遅くはありません。

2.小さな金額も積もり積もれば大きくなる

財形のように比較的大きな金額を毎月貯金していくことも大切ですが、小さなお金を大切にすることで100万円までの道のりはさらに近くなります。

そのためにお勧めなのが「端数貯金」です。

これはとても簡単な方法で、気がつくと意外なほどの金額が貯まっていたと嬉しくなるものです。

買い物をした場合に、財布の中に10円や100円などの小銭がお釣りとして残ることがあります。

それを自宅に帰ったらそのまま貯金箱に投入して、常に財布の中にはお札だけという状態にしておくという方法が端数貯金です。

これには財布の中をすっきりさせるという効果もあり、お金の管理がしやすくなって、お金の流れを実感しやすくなるというメリットも同時に得ることが可能です。

貯まった小銭は2ヶ月から3ヶ月に1回、銀行の硬貨を扱っているATMで入金すると、手間も少なく貯金額がアップしていく実感が持てるでしょう。

1日あたり50円相当の端数が出たと仮定しても、1ヶ月で1,500円、3ヶ月であれば4,500円にもなります。

まさに、ちりも積もれば山となるということです。

3.毎月の固定費を見直して出ていく金額を絞り込む

固定費とは、毎月のように一定の金額を支払っている費用と考えて良いでしょう。

住宅費や光熱費がそれに該当します。

また月々に支払っている保険や共済、電話などの通信費、テレビの受信料や新聞代なども該当となります。

しかし、固定費とはいえ、その金額はいくらでもカットする余地はあるものと考えて良いものです。

受信料や税金などの削減できない例外を除くと、賃貸の場合は家賃が低い物件への引っ越し、保険は過剰に加入している分の解約、通信費は格安プランへの変更など、見直しをかけることで1ヶ月の支出額が数万円も異なってくることもあります。

仮にスマートフォンのプラン変更と保険の見直し、別電力との契約などを総合して1ヶ月の支出を1万円減らすことができた場合には、1万円の貯金ができるということと等価値となります。

固定費を減らせば減らすほど、さらに効果は高くなりますので、一度ご自身の一ヶ月の固定支出をしっかりと洗い出して「仕分け」をしていくことがおすすめです。

意外なほど、無駄な出費があるということに気がつくことができるでしょう。

4.買い物の時には計画をしっかり立てて無駄遣いカット

毎日の食料品の買い物、家電や家具など大きな金額の買い物など、使う金額によって立てる計画はさまざまですが、欲しいからという理由やなんとなくという漠然とした理由で買い物をするのは避けることが基本中の基本です。

特に日常の買い物においては、目についたものから特に必要性も感じないのに購入してしまうという習慣がついていると、知らず知らずのうちに出ていく金額が大きくなるものです。

そのような場合にお勧めなのが「つもり貯金」です。

スーパーで缶コーヒーを購入したつもりで自宅に帰って作っておいた麦茶を飲むということにすると、これで100円程度の金額が貯まります。

タクシーを使ったつもりで徒歩で帰る、新しい服を買ったつもりで去年の服をリメイクするなど、工夫次第でつもり貯金も1回あたりの金額が1,000円や2,000円とかなり大きな金額となっていきます。

この方法が習慣化されると、本当に必要なものや欲しいものを厳選することができるようになりますので、あっという間に貯金額が増えていくものです。

1ヶ月5,000円と仮定すると1年間で6万円にもなります。

最後に

上記の方法を実践していくことによって、100万円という貯金額は達成することが簡単なことは実感していただけたでしょうか。
後はその方法を意識しながら継続をしていくことが重要です。
明確な目標があることで自然とやる気が出てくるものです。
目標達成にむけてしっかり貯めていきましょう。

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