生活コストとは生きるためにかかる出費の事ですが、みなさんは1ヶ月の生活コストを把握していますか?

お金を貯めるためにはまず正しく現状を知ることが重要です。

生活コストを知ることは第一の知恵である財布を太らせるためにまず手初めにやっていただきたい事のひとつです。

やり方ですが、メモ帳でもEXCELでも構わいませんので、家賃、光熱費、通信費、食費、保険料、旅費交通費、交際費など先月の出費を洗い出してみましょう。

銀行口座やクレジットカードの支払い、買い物のレシートからできる限りかき集めてみてください。

それらの出費を収入(給与)で引いた後に残る自由に使えるお金=可処分所得を導き出します。

その可処分所得は収入の10%以上でしたか?

もし10%以上だった場合は、第一の知恵に従って貯金しましょう。(専用の口座だとなおよし)

もし10%以下だった場合は、どこか切り詰められるところがないか、確認してみてください。

この洗い出す作業をやらないとなかなか見直す事がないと思いますが、数字に落とし込む事で、どこにどれくらいのお金を使っているのかを俯瞰して見ることができます。

見直すアイデアはまた別の機会に紹介しますので楽しみにしていてください。

macc

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