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勉強する女性
勉強する女性

OLさんの「節約」につながる貯金の裏技

書く女性

「節約」をしてまで貯金を増やしたいOLさんはたくさんおります。でも、それがなかなかうまくいかないのは何故でしょう。「節約」が難しいこともありますが、それはその方法に問題があるのです。そこで、ここでは貯金を頑張る裏技をご紹介します。なぜなら、「節約」も貯金も出来る人は必ずそのノウハウに長けているからです。取り上げるのはじょうずな銀行の選び方と複数の口座を上手に使う裏技です。

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銀行選びから

お金

新たに口座を作り、「節約」モード全開にしませんか?その場合、できるだけ手数料のかからない銀行を選ぶことから始めましょう。特にOLさんは時間外にATMを使うことが多いので、時間外でも無料で使えるATMを使う方がいいに決まっています。

そこで、お給料の振込があれば、各種手続きを無料にする銀行を探しましょう。ほかにもありますが、ここでは三つ、ご紹介します。選ぶのは勤務先の条件もあるので、慎重に決めてください。もちろん、使いやすい場所にあることも必須条件ですね。それは次の三つです。

三菱東京UFJ銀行、三井住友銀行、みずほ銀行です(2011年6月現在)。 ただし、給料の振込があっても、残高照会もされます。例えば、三井住友銀行では残高30n万円以上、ほかは10万円以上になっています。その他の条件もありますので、詳細はこちらからどうぞ。
東京三菱UFJ銀行・メインバンクプラス
三井住友銀行・SNBCポイントバック
みずほ銀行・マイレージクラブ
以上の銀行が無理な場合には手数料の少ないところを探しましょう。これにお勧めできるのはセブン銀行です。時間に関係なく、手数料が格安であるのは最近にない、嬉しいサービスです。詳細は下記からどうぞ。
セブン銀行口座 

銀行口座を使い分ける裏技

さて、口座が作れたら、「節約」できる貯金方法にトライです。そのためには使える額を決めておく方方法、それが一番。給料天引きの財形を使う、あるいは、銀行の積立預金、郵便局の定期預金などもあり、残ったお金だけを使う生活は「節約」=貯金につながりますね。

でも、初めてで少し不安という方は自分でほかの普通口座に移し替え、それを貯金用とするのがベターかもしれません。その金額が50万円ほど貯まった時に、積立定期預金にするのも楽しみのひとつになります。絶対困ったとき以外は通帳もカードも使わない、そしてこれがあれば、いざというとき、慌てないで済むと言い聞かせましょう。

例えば、仕事でメールを使う場合、グループ分けできると、間違いも少ないと思う方は多いでしょう。それと同じで、銀行口座を分けて使う方法です。次のように4つに分けてみませんか?

  • 緊急の時など、簡単に下ろせる口座
  • クレジットカード専用口座
  • 定期預金・積立預金の口座
  • 余剰貯金の口座

緊急の時など、簡単に下ろせる口座

これはお給料が振込まれる口座がベストです。ただし、残りを10万円ぐらいにするのが原則。これがあれば、例えば、建て替えて出張の時にも役に立つし、自由になるお金は誰にも必要で、心が落ち着きますよね。この時のカードを手数料無料のICカードにするのが隠れ技の一つかもしれません。ICカードはセキュリティの面でも安心ですし、この場合も時間外無料が一番ですよね。

クレジットカード専用口座

クレジットの専用にしていることで、貯金と分けることが可能になります。普通預金が不足した場合、せっかくの定期預金から補填されていたときは、ほんとに悔しくなりますが、なによりもカードの支出がはっきりするので、安心です。また、定期預金などの印鑑と銀行印を別にすることで、カードの持ち歩きに紛失等の心配を避けるためにも、おすすめです。

定期預金・積立預金の口座

普通預金がある程度貯まったところで積み立て預金の口座を作りましょう。これはお給料と同じ銀行がベストで、その場ですぐ積立に回せます。第一段階の目標に達した時には定期預金がいいですが、利率の良いのはネット銀行です。

余剰貯金の口座

さらにもう一つの口座を作りたいのですが、これは余剰貯金のための普通預金口座になります。貯まったときにネット銀行の定期預金に補填するのですが、残業など予定外のお金の「節約」に役立っています。

年収200万円からの貯金生活宣言
横山 光昭
ディスカヴァー・トゥエンティワン
売り上げランキング: 1,708

まとめ:「節約」しながらOLさんたちが楽しむ貯金

「節約」に一生懸命なOLさんたちにこそ、一番得になる貯金の方法を探って欲しいと思い、特に銀行選びから口座の活用方法のご紹介です。特にATMでの時間外無料については働くOLさんたちには大事な「節約」の場になります。

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Check Also

パソコン

人気節約主婦ブログから見えた5つの節約術

独身の時は、お金も自由に使えま …

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