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。

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