Investment

You can do it! How to use the Savings Sage bonus

◆ How to use bonuses practiced by savings profession
You may be wondering what to use if you get the bonus. People who don't save money tend to spend most of their bonuses on rewards they usually do.

Here's how the savings sages practice bonuses.

◆ Divided into “usable money” and “money to be spent and saved for the future”
If you get a bonus, you know that you want to use it for trips you can't usually go to or things you can't usually buy. Spending money on something you consider valuable is not a bad thing, but a good thing.

However, its use requires sharpness.

If you use most of your bonuses as rewards, aren't you saving a certain amount every month? It would be difficult to be able to save for bonuses that are not usually available.

A savings sage who can save normally saves even bonuses and spends money for rewards.

The basic idea of ​​how to use bonuses is to divide them into two parts: "money you can use" and "money to spend and save for the future."

The “money you can use” is the money you can use within one year for things like illness / injury, ceremonial occasions, and your hobbies and rewards.

"Money to be used and saved for the future" is used to prepare for large future expenditures such as money to be used for one's future such as skill improvement, health promotion and networking, marriage fund, housing fund, education fund, etc. Money.

◆ Distribute bonuses according to “4 ・ 3 ・ 2 ・ 1 ・ 1 rules”
The usage of the bonus advocated this time is to distribute according to "4.3.2.2.1 Law".

Savings: rewards for yourself: self-investment: investment in financial assets = 4: 3: 2: 1

40% of the bonus is allocated to savings such as time deposits and savings deposits, 30% is allocated as a reward to yourself, 20% is allocated as self-investment, and 10% is allocated as investment in financial assets .

For example, if you get a bonus of 400,000 yen, save 160,000 yen, use it as your reward until 120,000 yen, and invest 80,000 yen for yourself in the future, 40,000 yen The yen invests in financial assets, and so on.

The "4.3.2.2.1 rule" is only a guide.For example, if you usually spend money on self-investment and do not invest much in financial assets, reduce the percentage of self-investment. You may want to increase your share of financial assets. We want to secure 40% to 50% of the allocation from bonuses to savings.

◆ Manage accounts separately
A lot of people who don't save money keep their money in their daily accounts where bonuses are transferred. In this situation, it is unclear how much money you have saved, and you may run out of money.

The savings sages decide on the distribution of bonuses in advance and transfer them to each account when they are paid. To distribute rewards to yourself, use your daily account as it is, create a savings account, a self-investment account, and an investment account and deposit each one.

If your company has a property system or in-house deposit system, you can use it to automatically assign a savings account, so you will surely save money. If you don't have multiple accounts, you may have trouble opening an account, but managing the accounts separately for each purpose is a powerful help to make the most of your money.

Sentence = Yuki Rito [money guide]
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