◆ Dad's allowance is 30,000 yen a month, and is 50,000 yen appropriate for children's lessons?
I would like to look back at my current spending portfolio as a check on how I spend my money.
For example, let's say that the father's allowance is 30,000 yen per month, but the child's educational expenses [school, rehearsal, educational insurance] are 50,000 yen per month. Whether this is appropriate or not depends on the individual family.
If the child expresses a strong will to “do this”, there is a decision to give priority to what the child wants to do even if the father's pocket money is zero.
But if that is not the case, investing in dads and making them more profitable could expand household pie and expand the options for the whole family, not just children. As your father grows and enjoys work, it can be a good example of career education for children.
◆ If you think about monthly rent payments strategically …
Or, for example, monthly rent. Homes are not particularly profitable, but I want to choose a place to live strategically.
In my example, I'm sorry, but when I moved to the sales department at the convenience store, I moved to my sales area, and when I made real estate investment the top priority, my annual income exceeded 10 million yen. Even so, I lived in a 2DK apartment with a rent of 85,000 yen and saved down payment.
When the company started working 365 days, I moved to a rental apartment near the company office in the city, even if the rent was high. And after the child was born, we built a house and rental apartment so that the monthly mortgage could be covered by rental income.
◆ Food and drink, main cost, travel fee invest in yourself
In addition, eating and drinking can be helpful if you invite people to make connections and deepen relationships, and reading books and traveling can also be an effective investment if you can feed yourself.
Of course, what is important depends on the person, and each person also acts as an armor. Some people may feel that the way I spend money is not good. Some people feel satisfied with investing and raising people, others feel happy with donations and charity. That's not wrong with it.
The important thing is to think about your current stage of growth and the situation you are in, and to achieve your goals and objectives, what is the best performance to spend your money on? It ’s about whether it ’s going to be expensive.
Text = Toudoo Tono [Money Guide]