100万円を貯金するために、欲しいものはお金を貯めてから購入しよう

貯金で100万円を貯めるために大切なのは、なるべくローンを利用しないことです。

ローンには利息がつくので、お金を貯めてから欲しいものを購入する習慣を身に付けましょう。

貯金とは習慣の積み重ねなので、習慣を変えていけば成功するはずです。

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なぜローンは避けるべきなのか

欲しいものがあれば、すぐにローンを組むという人は多いでしょう。

ローンは非常に便利で、キャッシングやカードローンは即日で借りられるものが多いです。

今や日本に多目的ローンの利用者は1500万人以上もいると言われますが、これも利便性の高さからでしょう。

その反面、多目的ローンの金利は高く設定されており、完済までに多くの利息を支払う仕組みになっています。

コツコツと貯金をして100万円を貯めたいという人にとって、ローンの利息の支払いは避けたいところです。

欲しいものがあれば現金で購入するようにし、借金をしないように心がけてみましょう。

借金をしないことは利息を支払わないことを意味するので、家計のムダを解消することにもなります。

どうしてもローンを利用する場合は、1回払いを徹底するとよいでしょう。

1回で支払いをすれば利息を最小限に抑えることができるので、家計にはそれほど影響が出ません。

クレジットカードを利用する人なら、1回払いにすれば無利息で購入することができます。

カード類を使用するときは、常に利息の支払いを抑えることを意識してください。

本当に欲しいのか見極めることが大切

衝動買いの癖がある人は、本当に必要なのか見極めることから始めてください。

誰しも欲しいものはすぐに手に入れたいでしょうが、際限なく購入しているとお金がいくらあっても足りません。

家計の範囲内にて購入する必要があるので、家計管理は毎月1回は行っておきましょう。

本当に欲しいかどうかは、1週間待っていると答えが出ると言われています。

その場では衝動的に欲しくなっても、1週間待つと不要だと思えたりします。

衝動買いの癖がある人は、まずは待ってみる対策が必要でしょう。

自宅にあるものを見渡してみて、ほとんど使用していないものは不用品だったと考えられます。

過去1~2年間に使用していないものは、実用性が小さいと言っていいでしょう。

不用品を溜め込んでしまう人はお金が貯まりにくいので、欲しいものを購入する前に待ってみる対策がおすすめです。

ムダ遣いが習慣化していると貯金が難しくなるので、自身でムダに気づくことが重要となります。

欲しいものを購入するのではなく、必要なものを購入するように意識するとよいでしょう。

100万円は無理のない計画で貯められる

最初から高いハードルを設定してしまうと、お金を貯めることは難しくなります。

100万円を無理なく貯めるためには、モチベーションをいかに維持するかがポイントです。

何事も失敗してしまう原因の多くはモチベーションの低下にあります。

100万円というハードルは目標としてはそれほど高くないので、貯金初心者のハードルとして適切なものでしょう。

無理な計画を立ててしまうと挫折につながるので、確実にクリアできるハードルを設定することが大切となります。

例えばひと月に3万円貯金した場合、3年間で100万円を貯めることができます。

5万円にすれば2年間で貯められますが、自分にとって苦痛に感じるやり方はおすすめしません。

厄介なのは節約疲れという状況であり、この状態になると人は浪費に走るようになります。

ある程度の我慢は誰しも可能ですが、我慢の限界を超えるとストレスが爆発してしまいます。

それを防ぐためにも、無理のない計画を立てて貯金を続けてください。

最初は10万円、次30万円、50万円というように小さいハードルを設定し、乗り越える達成感を味わってみるのも得策です。

家計の見直しをして貯金に充てよう

家計にムダがあるとお金が貯まりにくいのは間違いありません。

ムダをなくしていくためには、自分自身がムダに気づくことが重要となります。

家計管理をするためには家計簿をつけることが大切であり、ここで収支のバランスを把握することができます。

貯金をするためには家計のバランスがプラスになっている必要があり、家計がマイナスだと貯金はできません。

例えばローンの利用をしている人ならば、貯金よりもローン返済を優先しましょう。

ローンには利息が発生しますが、貯金しているお金にはほとんど利子がつかないからです。

そのためローン返済を重視したほうが家計のバランスはよくなります。

ただし貯金がゼロの状態は好ましくないので、ローン返済をしながらも少額貯金は並行していくのが好ましいです。

月に1万円でも2万円でも貯金していけば、気持ちにゆとりが生まれてきます。

ある程度の貯金が確保できれば、将来的にローンの利用を避けることができるでしょう。

少なくとも100万円を貯めることに成功すれば、キャッシングやカードローンは不要になるはずです。

最後に

貯金で100万円を貯めることは、計画を立てて実践すれば難しくありません。
欲しいものがあっても即購入することは避けて、本当に必要かよく考えてみることが大切でしょう。
ローンの利用を避ける、家計の見直しをするなどの対策も重要となります。

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