正しい家計管理

「どんぶり勘定は低収入より、恐ろしい。」

我が家では嫁さんが結婚して以来、せっせと家計簿をつけてくれていますが、私は全くお任せ状態でした。この本の帯にもありますが、実態を知らないのは本当に恐ろしいことだと思います。子どもが増えて教育費や住宅ローンの支出も増えてきたので、今一度お金の使い方、活かし方について勉強していく必要があると感じました。

「預金は目的ではなくて義務である」

たまたまその月に「余った分=貯金」というのは間違いで、支出は目的を持ったものに使うべきである。家庭として何がやりたいかが大事だというところ、非常に耳が痛いです。会社で事業計画を立てることがあるのですが、そりゃあそうですよね。余った分で遊びに使いました、楽しみました、とか言ったらぶん殴られますからね。家計が破綻したら一家が路頭に迷うということを考えると会社なんかよりよっぽど大切なのに、適当に考えていたなと反省させられます。

「削るべきは管理可能支出より管理不能支出」

家計でも同じで、固定費をなるべく下げることで損益分岐点も下がります。というか家計では変動費が売上げ(収入)に応じて増えたりはしないので、その分むしろ重要ということでしょう。毎月支払っている通信費など毎月の支払いは安くても結局年額で払うとかなり行っている、そんな支出を削る必要があります。

「固定支出を気軽に増やさない」

保険や会員費など、毎月使っている支出は入るときは手軽だけど、ずっと継続的にかかってしまうので削るべきだという意見はもっともだと思いました。ビジネスとしてはストック収入を目指せといわれて、自分がよいカモになっているわけです。我が家では今年は住宅ローンの見直しをしてみました。ほんの数パーセントですが、将来的には300万近くの差になるわけだから大きいですよね。また、保険についても今後見直したいなと考えています。がん保険など確かに保障は魅力的ですが、健康保険に入っていれば高額療養費制度のおかげで自己負担分は少なくて済みます。若い頃は色々と不安に感じて保険などに何となく入ってしまいますが改めて必要なものを見直すとぐっと家計が軽くなります。
年の瀬だし、2018年の計画を家族と相談して立てて行きたいですね。

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