◆ It is an investment act to increase assets by saving and reducing expenditure
Reducing expenses, such as tax savings and reducing fixed costs, is an act of leaving more assets on hand, and is a powerful investment target.
This is because dropping 1 million yen and entering 100,000 yen and dropping 1 million yen and reducing expenses by 100,000 yen have the same effect in terms of increasing assets.
So, let's look at ways to reduce the fixed costs that are incurred every month in the home.
◆ Typical review of mortgage and insurance
A typical example is a mortgage or insurance review. Particularly in the low interest rate era, reviewing mortgages can dramatically lower interest rates and lower monthly repayments.
My own review of interest rates has reduced interest costs by nearly 10 million yen over the remaining period. And it only took time.
Of course, depending on the collateral evaluation of the financial institution, if you say that you can only lend up to 28 million when refinancing a 30 million yen mortgage loan from Bank A at Bank B, you will pay an additional 2 million yen Repayment, etc.], but that would not be a bad story as that would also reduce the remaining debt.
◆ Easy replacement of appliances and housing equipment
Alternatively, replacement of appliances and housing equipment may be effective. For example, recent TVs, air conditioners, and refrigerators are said to be energy-saving up to half the cost of models 20 years ago. And the latest model is convenient and comfortable.
In addition, if you remodel to all electrification, you can definitely reduce the basic gas charge. The latest unit bath has excellent heat retention effect, and the frequency of additional cooking is drastically reduced. The latest toilets are super water-saving and the water supply is cheap.
I recently moved from a rental apartment to a detached house and am surprised at the comfort and energy savings of the latest housing equipment. However, if the price of the device itself is high, there is little merit, so it is likely that this will be effective for households with a large number of families and relatively high water bills.
In addition, if you live in a detached house, you can save electricity by selling sunlight on the roof and selling surplus power, and you can switch to a late-night power contract by introducing EcoCute, ENE-FARM, and storage batteries. Even electricity bills can be reduced.
This may be the case now, especially as Ene-Farm and storage batteries have a lot of subsidies. In addition, subsidies are available for charging equipment for electric vehicles.
Speaking of cars, switching to a more fuel-efficient car has the benefit of maintenance costs for those who drive a distance. In this case, the difference may be more than 1 million yen in 5 years, so the merit of replacing by car will be great depending on the vehicle price.
◆ Changes in power companies and mobile carriers
Speaking of electricity bills, the electricity retail liberalization that began in April 2016. It is possible to lower your monthly electricity bill, such as by changing the power company or setting a discount on mobile carriers.
And speaking of a mobile carrier, it is a transfer to a cheap SIM-free company whose lineup has been enhanced. I also switched, but the mobile fee that previously cost about 10,000 yen per month has dropped to about 3000 yen per month.
The best carrier and plan will depend on how you use it and how often you use it, so it's not always cheap, but it's worth considering. If you use them properly, you don't need a landline phone at home or a fixed line at home.
Many of you may already be aware of the ones listed here, but there are many other ways you can search for them online.
In any case, revising the fixed costs that are incurred every month or every year is a valuable investment that can be used for a long time with just one effort.
Text = Tokio Kodo [money guide]