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節約に頼らない貯金の方法

おかね

「節約しているはずなのに、なぜか貯金が増えない…」こういった悩みは、意外と多く聞かれるもの。また、「給料は高いのにお金が残らない」という悩みも同様です。

実は、“貯金をする”というのは意識しないとできない行動です。お給料がたくさん入ってくるから、そして日々の支出を抑えているからといって自動的に貯蓄額が増えていくわけではありません。このことを念頭に置き、どのように日々貯金をしていくかを考え、意識して実行する必要があるのです。

本記事では、貯金を確実に積み立てていくための方法をご紹介しています。これから貯金をしようとしている方は、ぜひ本記事を貯蓄プランの参考にしてみてくださいね。

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貯金ができないわけ

お金まく

貯金ができない、と嘆いている人に共通している点があります。それは、「お金が残ったら貯金しよう」と考えていることです。この考え方をしていては、貯金はできません。手元にお金があると気が大きくなって浪費してしまったり、あるだけ使ってしまというのが人の性だからです。

というわけで、貯金をするためにはお給料が入ったら一定額をまず貯金してしまう日常でこつこつ貯金していくということが大切です。もしものときのために現金を手元に置いておきたいという方もいるでしょうが、そういうときは口座から引き出せばいいのです。

つまり、貯金をするという行為に対する発想を根本から逆転させる必要があるということですね。具体的な方法は、次からご紹介していきます。

先取り貯金法

貯金をする方法の中でも、お給料が入ったらすぐに貯金分を確保する方法をご紹介していきます。

1. 銀行口座を分ける

銀行口座が一つだけだと、貯蓄分や引き落とし、生活費などが一緒になってしまいます。ついつい多めに引き出して貯蓄が減っていく…なんてことも起こりがちです。

そういった事態を避けるためにオススメなのが、用途別に口座を複数持っておくこと。お給料が入ったらすぐ、各口座にお金を振り分けてしまいましょう。一例ですが、以下のような分け方がいいでしょう。

  • 生活費:住居費、食費、光熱費など
  • 社会費:学費、保険料、交際費
  • 自由費用:旅行、レジャーなどの費用
  • 貯蓄

口座の分け方は使いやすい分類・数で結構ですが、大切なのは貯蓄口座を独立させることです。

2. 財形貯蓄

お勤め先に財形貯蓄制度がある場合は、是非利用しましょう。財形貯蓄といっても、一般財形貯蓄、財形住宅貯蓄、財形年金貯蓄があります。目的に応じていつか引き出す貯蓄としては、前2つが適当ですね。貯蓄金融機関の積み立て預金と似ていますが、財形貯蓄には次のような大きなメリットがあるのです。

  • 利子が高い:年利数パーセントという高利な会社も
  • 非課税:財形住宅貯蓄、財形年金貯蓄は元本550万円まで非課税
  • 自動的に積み立ててくれるので、使ってしまう心配はゼロ

特に、利子が高いという点は魅力的ですね。現在、金融機関の年利は0.1%もあれば高い部類に入ります。そのなかで数パーセントというのは驚異的な数字です。ただし、財形貯蓄は一度始めると簡単に引出せないので注意が必要です。特に、非課税の財形住宅貯蓄や財形年金貯蓄は途中で(本来の目的以外で)引き出す場合は課税などのペナルティを受けます。

利子が高いからといって貯蓄分をすべて財形にするのではなく、ある程度のお金はいつでも引き出せる普通口座に貯めていくようにしましょう。

日常コツコツ貯金

月々金額を決めて先取り貯金していく方法のほか、日常生活の中で貯金箱にコツコツ貯金していく方法もオススメです。知らない間に貯まっていくので、サプライズ感もあります。

3. ペナルティ貯金

自分で「~したら○○円貯金」とやってはいけないことを決めて行う貯金方法です。自分の治したい癖などを矯正することもできて一石二鳥です。あまり貯金が増えなくなってきたら、他に目標を立て直しましょう。例えば、以下のような目標はいかがでしょうか。

  • お菓子を食べたら100円貯金
  • 1日1時間勉強しなかったら100円貯金
  • 待ち合わせに遅刻したら500円貯金

4.つもり貯金

お店で、欲しいものや食べたいものがあったときに“買ったつもり”でその金額を貯金してしまう方法です。必要なものはもちろん買って、そのときだけの買いたい欲はつもり貯金で抑えてしまいましょう。意外に貯まりますので、つもり貯金をしてもどうしても欲しい物は貯金のご褒美としてGETしてもいいですね。

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まとめ:楽しく貯金を

本記事では、確実に貯金を積み立てていく方法をご紹介してきました。ここで。もう一度それらの方法をおさらいしてみましょう。

  1. 銀行口座を分ける
  2. 財形貯蓄
  3. ペナルティ貯金
  4. つもり貯金

貯金は月々コツコツ行っていくものですから、ストレスフルにならないようにはじめは金額設定に気を付けましょう。貯まっていくと楽しくなってきますので、少しずつ頑張ってみましょうね。

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