投資前の資金をつくろう♪まずは200万円
皆さんこんばんは堅実投資家のタイセイ@investertaiseihです。
これを見てくれている方々は投資をしている方、もしくは投資したいけどまだしていない方かな？
投資をしたいけど資金がなきゃ出来ないと思っている人は多いと思いますが毎月の収入がある人ならすぐに始めることが出来ます。
そうです毎月の積立投資なら数千円とかでも出来ます。
ただ個別株をやりたい場合は余裕資金を作らなければなりません。
リストラや減給、病気などに備えて半年分の現金は持っておいた方が良いです。
1か月20万が生活費の人は×6か月で120万円＋投資資金はあった方が良いです。
基本的に投資前に資本を増やすためには
「収入を増やす」+「支出を減らす」→「毎月のキャッシュフローを増やす」
→可能な金額を自動積立で貯める。
ここでは「支出を減らす」方法について私が実践している方法や、しようと思っていることなどをまとめました。
毎月の固定費用の削減が非常に効果が出やすいです。
①ケータイ代を一番安くなるプランか出来たら格安スマホにする
②PCはプロバイダー変更でコストを削減しやすい。
③医療保険や生命保険を見直して最低限に抑える。私は最近生命保険はやめました。
④不必要な定額制（サブスク）の物（例えば有料アプリなど）を解約する。
⑤新聞をやめてスマホでチェック。例えば楽天証券口座を開くと日経電子版がタダで見れます。
⑥住居費を抑える
⑦日々のドリンクは水筒持参。
⓼ジムなどで適度な運動で健康管理をする
⓽食料品購入の際は買い物リスト持参で無駄使いを減らす。
⓾家計簿アプリなどで管理して資産の見える化をする。私はマネーフォワードのアプリを無料で使用してます。
無料会員だと一日とか若干のタイムラグがありますが常に資産の動きを項目別で把握することが出来ます。
固定費の①~⑥までで5万円位は削減できると思います。
⑦~⓽は日々の行動，⑩は一度登録するだけでOK!
日々苦労して節約するよりも固定費の削減は一度設定するだけで毎月の効果が出るのと
節約は毎月の収入が増えたのと同じ効果があるのでかなりやりがいがあるかと思います。
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15年以上経験を積み堅実な投資手法で毎年着実に平均10％以上の利回りを上げています。『これだけは知っておきたい一番大事なお金のこと：一億総投資家時代の賢い生き方』にてAmazon電子書籍5部門1位。投資の儲けは我慢料。モットーは成功するまで続ければ失敗しない。不幸はお金である程度防げるけど幸せは人間関係でしか得られない
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