【睡眠用】ずんだもん
手取り17万円の一人暮らしの節約術についてのスレッドが話題となり、スレ主が1年間で100万円を貯めた方法を共有しました。スレ主は、30歳独身で手取り17万円という少ない収入にも関わらず、見事に貯金を達成しました。まず、節約前の家計簿は食費5万円、家賃6万円、通信費2万円、水道光熱費1万円、雑費3万円の合計17万円で、全く貯金ができない状況でした。これを改善するために、スレ主は徹底した見直しを行い、1年後には食費2万円、家賃5万円、通信費0.5万円、水道光熱費0.7万円と支出を大幅に削減しました。
具体的な節約方法として、まず食費を収入の15％に抑えることを心がけました。1週間に使える金額を4000円に設定し、買い物は週1回、必要なものだけをメモして購入することで無駄を省きました。さらに、米やパスタなどの必需品を安く大量に購入し、自炊を徹底することでコストを抑えました。
次に、衣類費の節約に関しては、質の高い衣服を選び、長持ちさせることを重視しました。また、夏と冬の電気代を減らすために、日中は図書館や献血ルーム、大型病院で過ごすことを推奨しました。特に冬には登山用インナーやスキーウェア、電気毛布などを活用し、暖房費を削減しました。
住居費については、1年以上住んでいる賃貸の家賃交渉を行い、1万円の家賃削減に成功しました。また、車を持たないことで維持費や税金、保険代などを大幅にカットしました。通信費は大手通信会社から格安SIMに乗り換え、毎月5000円の節約を実現しました。
保険は火災保険以外を解約し、社会保険でほとんどのリスクをカバーしました。副業として農家や飲食店でのバイトを行い、食費や日用品の費用を浮かせる工夫もしました。さらに、貯めたお金を無駄遣いしないために、毎月クレジットカードで積立NISAを利用し、投資を行うことでお金を増やしました。
このように、徹底した節約と効率的な投資を組み合わせることで、手取り17万円でも年間100万円以上の貯金を達成することができました。スレ主の方法を参考にすれば、同様の状況にある人々も貯金を増やすことが可能です。
A thread about how to save money living alone with a take-home pay of 170,000 yen became the topic of discussion, and Suleman shared how he saved 1 million yen in one year. Suleman successfully achieved the savings despite being 30 years old, single, and earning as little as 170,000 yen in take-home pay. First, before saving, his household budget consisted of 50,000 yen for food, 60,000 yen for rent, 20,000 yen for communication, 10,000 yen for utilities, and 30,000 yen for miscellaneous expenses, for a total of 170,000 yen, making it impossible to save at all. In order to improve this situation, SREI conducted a thorough review, and after one year, he drastically reduced his expenses to 20,000 yen for food, 50,000 yen for rent, 0.5 million yen for communication, and 0.7 million yen for utilities.
As specific ways to save money, we first tried to limit food expenses to 15% of our income; we set the amount we could spend per week at 4,000 yen, and we eliminated waste by shopping once a week, writing down only what we needed and buying only what we needed. In addition, I kept costs down by purchasing large quantities of essentials such as rice and pasta at low prices and by making sure to cook for myself.
Next, with regard to saving on clothing costs, we focused on choosing high quality clothing and making it last longer. We also recommended spending time in libraries, blood donation rooms, and large hospitals during the day to reduce electricity costs in summer and winter. Especially in winter, we utilized mountaineering underwear, ski wear, and electric blankets to reduce heating costs.
Regarding housing costs, we negotiated the rent of a rental apartment where we have lived for more than a year and succeeded in reducing the rent by 10,000 yen. In addition, by not owning a car, we have drastically cut maintenance, taxes, and insurance costs. For communication expenses, we switched from a major telecommunications company to a low-cost SIM, saving 5,000 yen per month.
We cancelled all insurance except fire insurance and covered most risks with social insurance. We also worked part-time as a side job at a farmhouse and a restaurant, and devised ways to float the cost of food and daily necessities. Furthermore, in order not to waste the money we saved, we increased our money by using a monthly credit card savings NISA and making investments.
In this way, by combining thorough savings and efficient investment, I was able to achieve annual savings of more than 1 million yen even with a take-home pay of 170,000 yen. By following Suleman’s methods, people in similar situations can also increase their savings.
VOICEVOX:ずんだもん
