100万円を貯めるために、毎月の収支を把握しよう

貯金をしたいと思っている人は多いのですが、目標を持つことにより、しっかりとお金を貯めることが出来るようになります。

一つの目標額として、100万円を設定してみてはいかがでしょうか。

収入にもよりますが、1年で達成することが出来る可能性もあります。

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自身の収支を把握しよう

100万円を貯金で貯めるという場合、まずは明確な計画を立てる必要があります。

例えば、1年で貯めたいという場合、1ヶ月あたり8万3400円貯めることが出来れば達成することが出来ることになります。

貯めるまでの年数が長くなれば、その分1ヶ月あたりい貯めるべき金額は少なくなります。

毎月、貯めるべき金額を知ることが出来たら、次に毎月の収支を把握するようにしましょう。

毎月の支出を明確にしなければ、お金を貯めることは出来ません。

収支を把握する方法として、家計簿をつけるという従来から行われている方法もありますが、パソコンやスマートフォンで管理をするという方法もあります。

収支を把握することが出来れば、どのような方法を選択しても構いませんので、自分に合っている方法を選ぶようにしましょう。

合わない方法を選んでしまうと、続けることが難しく、三日坊主になってしまう可能性もありますので、無理のない方法を選ぶことをおすすめします。

1ヶ月間でも構いませんが、数ヶ月間記録をすると、自身のお金の使い道を把握しやすくなるでしょう。

収入を増やしてみよう

収支を把握したら、どの程度貯金をすることが出来るのかを考えるようにしましょう。

それによって、100万円を貯めるまでの期間を知ることが出来ます。

数千円の貯金でも、継続をすることによりいつかは100万円を貯めることは出来るでしょうが、出来るだけ早く貯めたいという場合には、収入を多くするということが必要となります。

専業主婦など、自身の収入がないという場合には、パートなどで働くことにより、その分を貯金することが出来ますので、100万円を貯めることが出来るまでの期間は短くなります。

毎月3万円の収入を得ることが出来れば、2年9ヶ月ほどで目標額を貯めることが出来ます。

そして、既に働いているという場合には、可能であれば副業を行うようにしましょう。

最近では、インターネットで収入を得る方法もありますので、自宅にいながらにして収入を増やすことも出来ます。

ただし、副業が禁止されているという場合もあります。

そのような場合には、企業にもよりますが、残業代が支給される場合には残業代をもらうという方法もあります。

毎月の支出を見直そう

収入が多くても、その分使ってしまってはお金を貯めることは出来ません。

そこで、支出を減らすということを心掛けることも大切です。

簡単に行うことが出来る方法としては、外食を減らすという方法があります。

コンビニで飲料を購入する習慣があるという場合、1回の支出はそれほど多くはなくても毎日であれば、多額の出費となります。

支出を減らすコツは、自分で飲み物を持参したり、食事を手づくりするなどがおすすめです。

毎日では負担が大きいという場合には、1日おきでも十分に支出を減らす効果を期待することが出来ます。

次に、毎月の固定費を見直すようにしましょう。

保険料や通信料、水道光熱費などを見直すことにより、数万円の節約効果を期待することが出来る可能性があります。

車が必須の地域もありますが、そうではないという場合には、車を手放すという方法もあります。

カーシェアリングサービスを利用することにより、毎月の駐車場代・保険料・車検代・ガソリン代・税金を節約することが出来ます。

頻繁に車を運転せず、このようなサービスが充実しているようであれば検討しても良いでしょう。

便利だけれど気を付けたいこと

ボーナスが支給されるという場合、毎月の収入よりも多くの収入を得ることが出来ます。

ボーナスを無駄遣いしないということも、貯金額を大幅に増やすためのポイントと言えます。

クレジットカード決済を利用しているという場合、その際に貯めることが出来るポイントを効率よく貯めるようにすると、思っている以上に家計を助けてくれることもあります。

クレジットカード決済では、分割払いを選択することが出来る場合もありますが、分割払いの回数が多ければ多いほど手数料を支払うことになりますので、多くの金額を支払わなければならなくなります。

クレジットカードは非常に便利なアイテムですが、手元のお金が減らないため、使っているという実感が無いために使い過ぎてしまう傾向にありますので、注意が必要です。

品物を購入する場合、実店舗で購入するよりもネット通販で購入したほうが安く購入することが出来る場合もあります。

その為、品物を購入する時には、安い価格で購入することが出来ないかを調べるようにすると節約に繋がるでしょう。

最後に

100万円を貯金するというと難しいように感じますが、普段の生活を見直すだけでも貯めることが出来る可能性はあります。
まずは無理のない範囲で、節約や収入を増やすようなことを続けるようにすると良いでしょう。

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