100万円を貯めるために、スマホは格安SIMを利用しよう

100万円貯金することを目指すなら、固定費の見直しは必須ですが、特に家計費の中でも毎月万単位で出費のある携帯電話、スマートフォンなどの通信費は大手キャリアから格安スマートフォンに変更することで驚くほど通信費を安くすることが出来ます。

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家計を圧迫する通信費を節約する方法

毎月スマートフォンにかかる費用はアプリの購入や通話時間などによって個人差がありますが、最低でも7000円程度はかかっている方が多いのが実情です。

家族割引などを利用したりデータ容量をシェアしても5000円を下るのは難しいとされる大手キャリアのスマートフォンですが、家族4人だとすると最低でも毎月2万円、多い家では5万円近くになるケースもあります。

大手キャリアのスマートフォンは信頼性が高い、長く使っているなどの理由で何となく継続している方が多い傾向にありますが、節約をして100万円の貯金を目指すなら、格安SIMを利用した格安スマートフォンに乗り換えてみてはいかがでしょうか。

格安SIMを利用した格安スマートフォンは大手プロバイダーが提供するサービスです。

大手プロバイダだけでなく、それほど有名でないほとんどのプロバイダーが参入しているサービスで、従来のスマートフォンの利用料の半額以下、大抵の方は3分の1程度にまで利用料を下げることが出来るメリットがあるため、多くのスマートフォンユーザーが格安スマートフォンに乗り換えています。

格安SIMで通信をもっとお得に

格安SIMは、大手プロバイダーとの契約で提供されるSIMカードで、データ通信や通話をすることが可能です。

通信端末に挿入して簡単な設定をすることで、格安でデータ通信や通話をすることが出来るようになり、キャリアで契約しているスマートフォンとほとんど変わらない使い勝手で利用できるのが魅力と言われています。

通信に使う端末はSIMフリーと呼ばれるロックがかかっていない端末か、もしくはキャリアで契約しているスマートフォンでも使えるケースがありますので、その場合は初期費用は格安で済みます。

現在キャリアでスマートフォンを契約している場合は、インターネット上での手続きで簡単に格安スマートフォンへ移行することが出来ます。

MNPという制度が導入されていますので、現在使っているスマートフォンの電話番号は新しく格安スマートフォンを利用する際にも引き継ぐことが出来ます。

そのため、ほとんど通信環境を変えずに月々の支払いをやすく済ませることが出来るのが魅力です。

月々の料金はデータ容量やプロバイダーによっても異なります。

最短で2年程度で目標額に達成できる可能性も

100万円の貯金をするためには、出来れば毎月数万円ずつ貯めていけば、その分早く目標額の100万円に到達することが出来ます。

先述の格安SIMを導入してスマートフォンを利用した場合、少なくとも毎月1万円以上は確実に節約することが出来ますし、最大で4万円前後節約することも不可能ではありません。

仮に一か月あたり家族全員で5万円近くスマートフォンの利用料金を支払っている家族の場合、格安SIMを利用した格安スマートフォンを利用すると、1人当たり2000円前後のプランで、一か月あたり4万円近く節約することが出来るようになります。

一か月で4万円近く節約できた場合、年間で48万円ですので、およそ2年で100万円貯金するという目標を達成することが出来ます。

一般的に100万円の貯金を2年間で行うのは簡単な事ではありませんが、スマートフォンの見直しを行うだけで、これほど通信費を浮かせることが出来ます。

現在4人家族で2万円程度利用料金を支払っている家族でも、一か月あたり1万以上は節約することが出来ますし、プランの工夫をすればそれ以上の節約も十分可能です。

プロバイダーやプラン選びがポイント

格安SIMのサービスを利用して、できるだけ早く確実に100万円貯金するのに役立てるためには、プラン選びも重要です。

格安スマートフォンのサービスを提供しているプロバイダーは非常に多いですが、通信速度や料金などのサービス内容はプロバイダーによって大きな開きがあります。

少しでも早くお金を貯めるためには、どのプロバイダーを選ぶかも重要です。

プロバイダーの多くは新規加入者に向けたキャンペーンを行っており、数か月利用料金が免除になったり、割引サービスになる業者は少なくありません。

又、月々の利用料金もプロバイダーによって様々です。

毎月どのくらいデータ容量が必要なのかについては現在使っているキャリアの明細を見ればわかりますので、通信量に見合ったデータ容量を選び、できれば家族でデータ容量を分けあえるプロバイダーを選ぶとより確実に節約することが出来ます。

自宅やオフィス、学校にWi-Fi環境がある方は上手に利用することでそれほどデータ容量を必要としないケースもありますので、大きなデータを送受信する時には利用すると良いでしょう。

最後に

100万円を貯金したいと考えた場合、月々の固定費を見直すことがポイントですが、中でも高額になりがちな通信費、とりわけ携帯料金を見直すと効果が絶大です。
現在キャリアのスマートフォンを使っている方はこの機会に格安スマートフォンに乗り換えてみてはいかがでしょうか。

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