“Repel Fixed Cost Obesity!!” Aim for Slimming Down! Recommendations for a Fixed Cost Diet!!💡
To all of you working hard as teachers every day ✨
Hello! This is Redost!
At the beginning of April, with the start of the new school year just around the corner,
I truly appreciate your hard work, day and night, for the sake of your students' futures, for the parents, and for the school.
But precisely because it is such a busy time, please take a moment to stop and think.
Is the “financial knowledge” needed to protect the “future of your family,” which is most important to you, being put on the back burner?
The job of a teacher is a noble profession that requires dedicating yourself to others.
That is precisely why your own life and your family's life tend to be put on the back burner.
But is that really okay?
In this note, I will introduce the concept of a “fixed cost diet” that you can start without difficulty, even if you are a busy teacher.
For the sake of the future with your loved ones, why not start building a “habit of saving” little by little starting today?
And let's let go of the assumption that saving equals sacrifice, and cultivate the power to spend money wisely while maintaining your quality of life.
The first step to financial freedom: The importance of a “system for saving”📈
When you hear “ways to increase money,” many people think of investing or side jobs.
Those are certainly important, too. But to get closer to financial freedom,the first thing you should tackle is “creating a system where money is saved”is.
This is because while investing carries risks and side jobs require time and skills,“creating a system for saving” is something anyone can start right now and see immediate resultsfrom.
Furthermore, reviewing fixed costs requires no specialized knowledge or complex procedures. If you execute them one by one while researching online, you can make a positive change to your household budget starting today.
For example,by reviewing your monthly fixed costs, your expenses will decrease starting today.
In other words,the most reliable action where “the more you do, the more results you get”is“creating a system for saving”.
Once you have created this system, you will be able to be confident in every decision you make in your future life. If you worry less about money, you can focus more on your work and family, and your stress will likely decrease as well.
“Fixed cost diet,” which is a bit different from saving🧠
When you hear “saving,” you might have an image of turning off lights frequently or looking for the cheapest product when shopping.
Of course, those daily efforts are not in vain, but they require strong willpower and effort to continue.
And sometimes, you don't get as much of a saving effect as you thought.
On the other hand,“reviewing fixed costs” (I call it a fixed cost diet on my own, haha) has the characteristic that once you do it, the savings continue “automatically”is there.
You can create a system where the effect lasts even if you do nothing every month, and your savings naturally increase.
For example,if you review your smartphone bill and save 5,000 yen a month, a difference of 60,000 yen in one year and 600,000 yen in 10 years will be created even if you do nothingis.
In this way,tackling large and continuous expenses is the first step to smart saving.
Furthermore, reviewing fixed costshardly ever compromises the “satisfaction” of your life. Rather, by cutting unnecessary expenses,your life becomes slimmer, and you gain time and peace of mind.
The “6 major fixed costs of life” you want to review right now💸
I think the main fixed costs that need a fixed cost diet are as follows.
* In Redost's case, “drinking expenses” are included in the 7th spot... haha
Communication expenses (smartphone, internet, etc.)
Subscriptions (flat-rate services)
Insurance (life insurance, medical insurance, etc.)
Housing costs (rent/mortgage)
Car-related expenses (loans, insurance, parking, etc.)
Taxes (resident tax, income tax, etc.)
These are expenses that occur every month without fail, and if you are not conscious of them, they will just keep flowing away.
That is precisely why reviewing these is the first step toward “building a body that saves money”.
Even if we say “review,” you don't have to change everything all at once. Let's start with the things that are easiest for you to control. If you can reduce even one thing, the results will be clearly reflected in your household budget.
Practical Ideas for a Fixed Cost Diet🏠
Now, let's take a look at what kind of reviews you can actually make.
Communication costs: Just switching to a low-cost SIM can save you over 5,000 yen per month. If the whole family switches, it is possible to save over 100,000 yen per year.
Subscriptions: Just canceling flat-rate services you aren't using will significantly reduce wasteful spending.
Insurance: Reviewing insurance that no longer fits your current life stage and narrowing it down to only the necessary coverage can sometimes save you over 10,000 yen per month.
Housing/Car: Reviewing your commute distance and family structure, and changing how you own your home or car can also lead to fixed cost reductions.
Taxes: Utilize deductions through hometown tax donations (Furusato Nozei) and tax returns to reduce your actual burden.
Working together with your family is the key to success👨👩👧👦
A fixed cost diet only succeeds with “family cooperation”.
For example, if your partner feels uneasy when switching to a low-cost SIM, try sharing information by saying,
“It will be this much cheaper,” or “The support is solid too.”
Sometimes, there will be resistance to changing habits. However, the purpose of reviewing fixed costs is not to “lower your quality of life,” but to “protect the future of your precious family.”
If you can work together toward the same goal as a family, saving money becomes a positive and fun activity.
Discussing it as a couple and proceeding while sharing your goals is the shortcut to success.
Conclusion: Reviewing fixed costs is a gift for the future🏡
The job of a teacher is a very rewarding one where you can watch students grow.
But, I want you to value your own future and your family's future just as much.
A "fixed cost diet" is the first step.
Even when you are busy, once you review them, the effects last forever—it is that kind of effortless "habit."
And this habit will eventually bring you great peace of mind and freedom.
Let's take the first step toward a "life not chased by money" starting today.
Today's Action‼️
First, take a piece of paper and a pen, or use your smartphone's memo app to write down your "monthly fixed costs".
From that list, choose one thing that looks like it can be reviewed and take action within this week.
It is also recommended to talk with your family and decide on savings goals and rules.
Money does not save itself. No one is going to protect you or your family for you.
Whether or not you take this small action will significantly change the speed of your future asset formation. I, Redost, have experienced this firsthand. I truly hope that everyone will take that small step and walk the path toward financial freedom!
Thank you for reading until the end!
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