家計の年間計画策定のススメ

こんにちは。とーとです。

もうすぐ年の瀬ですね。ここのところ来年の我が家の方針をどう管理していこうかとぼんやりと考え始めています。家計は節約することももちろん大事ですが、やりたいことを年初めに考えておくと楽しいですね。年初めに方針を立てて、やりたいことを計画して、しっかり節約もする。前向きに考えていくのはとても楽しいです

収入については最近読んだ「寝ながら稼ぐ」の影響で、どうこれからの人生を楽に暮らしていくのか、ということばかり考えてます。でも、なかなかすぐに寝ながらは稼げない訳で、そこはしっかりと家計を守りながら金のなる木を探して行きたいと思っています。

■まずは2017年の振り返りから

  • 長女の出産、車の購入、ウッドデッキ構築等突発的な支出があったので、貯金額がマイナス着地。
  • 出産に伴い妻の収入が2ヶ月減ったが、一方で私の方の収入は微増。
  • 住宅ローンの借り換えを行い金利の見直しを図り、将来的な支払額を削減。
  • 私の職場、職種が大きく変わり、仕事のモチベーションに苦しむ。

今年は長女の出産という超一大イベントがあったため、妻には大変よく頑張ってもらいました。しかも、2ヶ月で仕事に復帰してもらったため、収入面では大きな変化はありませんでした。これは大変ありがたいことで、ダブルインカムとはいえ、片輪が欠けると家計へのインパクトは大です。社会ではよく育児休暇取得推奨とか言いますが、だれも収入面は保障してくれないわけで、とっとと復帰するに限ると思います。そもそも社会復帰する奥さんの支援を旦那がやれば良いわけで家で育児だけしていても結局奥さんも大変ですし、それだったらよっぽど企業内に保育所設置するだとか、旦那側への勤務負担軽減だとか違う形での育児支援をすればいいのにと思います。日本の企業のイケてないところだなと思いますね。

話がそれましたが、支出の面では住宅ローンの借り換えを行い、将来的な支出削減(300万程度)を図りました。一方で新車の購入による出費はやや痛かったですが、アイサイトなどのセーフティ機能をつけたいという思いがあったため、安全への出費と考えています。ただ、やはり計画外の出費は何かとよろしくないので今後は計画的に進めて行きたいと思います。

仕事については最近ですが、社会人15年目にして本格的に転職を考え始めています。自分が本気で何をやりたいのか、それで食べていけるのか、将来どうなりたいのか、もう少し考えた上で転職エージェントやフリーランスの会社など話を聞いてから考えてみたいと思います。回りにも悩んだ結果もとの鞘に戻った人もたくさんいます。他を知ることで今の会社の良さが分かるかも知れませんし。

それから最近、妻とは不動産投資にチャレンジしてみようかと話をしているのですが、不動産投資は時間がかかりそうです。長期的な目線で計画を立てていきたいと考えています。個人的には我が家は旦那サラリーマン、妻フリーランスというパーティ構成なので攻めと守りを上手く使い分けて行きたいなと。旦那の信用を上手く活かしながら、妻のフットワークを活用、とかね。そういえばこの本まだ読んでないのですがずっと気になっているので今度読んでみたいと思います。

■2018年はどうして行きたいか(事業計画方針)

「将来的に寝ながら稼ぐ基盤を作るために、種まきを始める。」

  • 今後も引き続き支出の削減に取り組み、堅調な家計を守っていく。
  • 我が家では教育費が占める割が非常に高いが、教育は投資であるのでがんがん積極的に投資を進める。
  • 将来的な収入拡大に向けたチャレンジ(不動産投資についての学習(セミナー参加、読書、情報収集))
  • 夏休みはしっかり海外旅行でも行ってリフレッシュ。

固定の削減についてはがん保険の見直しor解約を検討したいと思ってます。不動産投資についてはこれからしっかり勉強してみて、ある程度貯金額に余裕が出てきたら思い切って始めてみたいなと。何事もチャレンジしてみないと始まらないので(その結果リーマンショックで痛い目にあったけど)、毎年言ってますがチャレンジの年にしたいですね。

よし、セミナー行くぞ。

87 件のコメント

  • Hi there! This is my 1st comment here so I just wanted to
    give a quick shout out and tell you I truly enjoy reading through your posts.
    Can you suggest any other blogs/websites/forums
    that cover the same subjects? Thank you!

  • This is really attention-grabbing, You’re a very professional blogger.
    I have joined your feed and look ahead to in quest of extra of your excellent post.
    Also, I’ve shared your site in my social networks

  • Howdy, I believe your web site may be having internet browser compatibility issues.
    When I take a look at your site in Safari, it looks fine but when opening in Internet Explorer, it’s got some overlapping issues.
    I merely wanted to give you a quick heads up!

    Aside from that, wonderful website!

  • Hey! I understand this is kind of off-topic but I had to ask.
    Does building a well-established blog like yours require a lot of work?
    I am brand new to operating a blog but I do write in my diary on a daily basis.
    I’d like to start a blog so I can easily share my own experience and thoughts online.

    Please let me know if you have any ideas or tips for new aspiring bloggers.
    Thankyou!

  • It’s the best time to make some plans for the longer term
    and it is time to be happy. I’ve learn this put up and if I
    could I desire to recommend you some attention-grabbing things
    or advice. Maybe you can write subsequent articles referring to
    this article. I desire to read even more things about it!

  • Hey there, I think your blog might be having browser compatibility issues.

    When I look at your blog site in Ie, it looks fine but when opening in Internet Explorer, it has some overlapping.
    I just wanted to give you a quick heads up! Other then that,
    wonderful blog!

  • I am really inspired with your writing abilities as
    neatly as with the structure for your weblog. Is this a paid
    subject or did you modify it yourself? Anyway keep up the nice quality writing, it is uncommon to peer a great weblog like this
    one nowadays..

  • Hello! I just wanted to ask if you ever have any trouble with hackers?
    My last blog (wordpress) was hacked and I ended up losing many months of hard work due to no data backup.
    Do you have any methods to stop hackers?

  • Hey there are using WordPress for your site platform? I’m
    new to the blog world but I’m trying to get started and create my own. Do you need any
    coding knowledge to make your own blog? Any help would be
    greatly appreciated!

  • You are so cool! I do not suppose I have read anything
    like this before. So great to discover another person with a few unique thoughts on this issue.
    Seriously.. thank you for starting this up. This site is something that is
    required on the internet, someone with some originality!

  • I’m extremely impressed with your writing skills and also with the
    layout on your weblog. Is this a paid theme or did you modify it
    yourself? Either way keep up the nice quality writing, it’s rare to see a great
    blog like this one these days.

  • Hi there! This blog post could not be written much better!
    Reading through this post reminds me of my previous roommate!
    He continually kept preaching about this. I am going to forward this article
    to him. Pretty sure he’ll have a very good read.

    Thanks for sharing!

  • Hey I know this is off topic but I was wondering if you knew of any widgets I could add to my blog that
    automatically tweet my newest twitter updates.
    I’ve been looking for a plug-in like this for quite some time and
    was hoping maybe you would have some experience with something like
    this. Please let me know if you run into anything. I truly enjoy reading your blog and I
    look forward to your new updates.

  • I’ve been exploring for a little for any high-quality
    articles or blog posts in this sort of house . Exploring in Yahoo I finally stumbled upon this website.
    Studying this information So i am glad to exhibit that I’ve an incredibly good uncanny feeling I came upon exactly what I needed.
    I most unquestionably will make sure to don?t forget this
    web site and give it a look on a constant basis.

  • We’re a group of volunteers and opening
    a new scheme in our community. Your website provided us with
    valuable information to work on. You’ve done a formidable job and our entire community
    will be thankful to you.

  • Good day! I know this is kinda off topic but I was wondering which blog platform are
    you using for this website? I’m getting sick and tired
    of WordPress because I’ve had problems with hackers and
    I’m looking at alternatives for another platform.
    I would be awesome if you could point me in the direction of
    a good platform.

  • I do not even know the way I stopped up right here, but
    I assumed this submit was once great. I do not realize who
    you might be however definitely you’re going to a famous blogger if
    you happen to aren’t already. Cheers! pof natalielise

  • Appreciating the time and energy you put into your
    website and detailed information you offer. It’s great
    to come across a blog every once in a while that isn’t the same out of date
    rehashed information. Great read! I’ve saved your site and I’m
    adding your RSS feeds to my Google account.

  • Hi there! This article couldn’t be written any better!
    Looking at this post reminds me of my previous roommate!
    He continually kept talking about this. I most certainly will forward this
    post to him. Pretty sure he’ll have a very good
    read. Thanks for sharing! natalielise plenty of fish

  • Hi, i read your blog occasionally and i own a similar one and i was just curious if you get a
    lot of spam responses? If so how do you prevent it, any plugin or anything you can suggest?
    I get so much lately it’s driving me insane so any assistance is very much appreciated.

  • Hello, i believe that i noticed you visited my blog thus i got here to return the prefer?.I’m attempting to
    to find issues to enhance my website!I suppose its adequate to make use of a few of your
    concepts!!

  • Hey there, I think your site might be having browser compatibility
    issues. When I look at your blog in Firefox, it looks fine but when opening in Internet Explorer, it has some overlapping.
    I just wanted to give you a quick heads up! Other then that, great blog!

  • Howdy! I know this is somewhat off topic but I was wondering which
    blog platform are you using for this website? I’m getting tired of
    Wordpress because I’ve had problems with hackers and I’m looking at options for another platform.
    I would be fantastic if you could point me in the direction of a good
    platform. natalielise pof

  • Hi! I just wanted to ask if you ever have any issues with hackers?
    My last blog (wordpress) was hacked and I ended up losing a few months of hard work due
    to no data backup. Do you have any solutions to prevent hackers?

  • What i don’t realize is if truth be told how you’re no longer really much more
    well-preferred than you may be now. You’re very intelligent.
    You understand thus significantly in relation to this topic, made
    me in my opinion consider it from a lot of various angles.
    Its like women and men aren’t involved unless
    it is one thing to do with Lady gaga! Your
    personal stuffs nice. Always deal with it up!

  • コメントを残す

    メールアドレスが公開されることはありません。 * が付いている欄は必須項目です