Money matters to think about when you have children, part 2
Hello! This is the LINE representative from GOESWELL.
In my private life, I am a mother of one child ^^
Now, suddenly, are you 'saving money'?
There are many ways to save money, aren't there?
In my case, I buy in bulk on days when online shop points are high, or I decide on my dinner menu based on cheap ingredients I find at the supermarket instead of planning ahead, or I refrain from my favorite cafe latte before payday... I used to manage by making small sacrifices when I felt like it to make ends meet.
But some of these were hard to keep up...
When I'm working, I get tired and sometimes rely on pre-made side dishes or eating out, and there are times when I want to relieve stress by drinking something sweet, and sometimes I just want to eat meat! (lol)
For people like me, it seems that reviewing 'fixed costs' before reviewing these 'variable costs' can lead to more effective savings!
What is a review of fixed costs?
For example
・Gas and electricity bills and comparing companies to consider switching to a better plan
・Mobile phone bills and considering switching to a budget smartphone
・If you are using old home appliances, switching to energy-efficient appliances to save on electricity bills
・Using cards with high point return rates or electronic money
・Saving on insurance premiums (checking if you are truly covered for what you need, enrolled in the optimal plan, and comparing multiple companies)
And so on...
An example of my household budget review
To give an example, I switched my mobile phone to a budget smartphone, and my monthly payment went from about 8,000 yen to about 1,500 yen, resulting in a saving of about 6,500 yen!
\\Just with this, my assets increased by 78,000 yen per year♪//
If you are not sure where to start reviewing your finances, you might want to consider consulting with a financial planner♪
