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1. èªèº«ã®çµæžç¶æ³ãçè§£ãã
å ·äœçãªäºç®ç®¡çãã¯ããã¯ã«å ¥ãåã«ãçŸåšã®èªèº«ã®çµæžç¶æ³ãçè§£ããããšãäžå¯æ¬ ã§ããããã«ã¯ãåå ¥ãæ¯åºãè² åµãè©äŸ¡ããããªããŒã®æ¯åºã«çŸå®çã«ã©ãã ãå²ãåœãŠããããã倿ããããšãå«ãŸããŸãã
1.1. åå ¥ãšæ¯åºã®è©äŸ¡
ãŸããçšåŒãåŸã®æåãèšç®ããŸããæ¬¡ã«ãäºç®ç®¡çã¢ããªãã¹ãã¬ããã·ãŒãããŸãã¯åŸæ¥ã®ãã³ãšçŽã䜿ã£ãŠæã ã®æ¯åºã远跡ããŸããããªããŒã®æ¯åºã®ããã«è³éãæ»åºã§ããå¯èœæ§ã®ããé åãç¹å®ããŸããäŸãã°ãå€é£ã嚯楜ããŸãã¯ãµãã¹ã¯ãªãã·ã§ã³ãµãŒãã¹ãæžããããšã§ã倧ããªéããçãŸããŸãã
1.2. è² åµã®ç¹å®ãšåªå é äœä»ã
ã¯ã¬ãžããã«ãŒãã®æ®é«ãããŒã³ãªã©ã®æªæãåµåãããå Žåã¯ãå»¶æ»æã婿¯ãé¿ããããã«ãå°ãªããšãæäœæ¯æé¡ãæ¯æãããšãåªå ããŠãã ãããç¹ã«é«éå©ã®æ®é«ãæ±ããŠããå Žåã¯ãããªããŒäºç®ã®å°é¡ãåµåè¿æžã«å ãŠãããšãæ€èšããŠãã ãããè² åµãæžããããšã¯ãçµæžçã¹ãã¬ã¹ã軜æžããå šäœçãªè²¡åã®å¥å šæ§ãåäžãããããšãã§ããŸãã
1.3. çŸå®çãªæ¯åºäžéã®èšå®
åå ¥ãæ¯åºãè² åµã«åºã¥ããŠãããªããŒã®ãç¥ãã®ããã®çŸå®çãªæ¯åºäžéãèšå®ããŸããèªåã远ãè©°ããããè³Œå ¥è³éãã¯ã¬ãžããã«ãŒãã«é Œã£ããããããšã¯é¿ããŠãã ãããç®æšã¯ãé·æçãªçµæžç圱é¿ã被ãããšãªãããªããŒã楜ããããšã§ããããšãå¿ããªãã§ãã ããã幎éãéããŠããªããŒè²»çšå°çšã®è²¯èå£åº§ãéèšããããšãæ€èšããŸãããã
2. 詳现ãªããªããŒäºç®ã®äœæ
èªèº«ã®çµæžç¶æ³ãè©äŸ¡ãããã詳现ãªããªããŒäºç®ãäœæããæã§ããããã«ã¯ãäºæ³ããããã¹ãŠã®è²»çšããªã¹ãã¢ããããåã«ããŽãªã«è³éãå²ãåœãŠãããšãå«ãŸããŸããããæ§æãããäºç®ã¯ãæ¯åºã远跡ãã財æ¿çãªé床å ã«çãŸãã®ã«åœ¹ç«ã¡ãŸãã
2.1. ãã¹ãŠã®æœåšçãªè²»çšã®ãªã¹ãã¢ãã
ãŸãã以äžãå«ããã¹ãŠã®æœåšçãªããªããŒè²»çšããªã¹ãã¢ããããŸãïŒ
- ã®ããïŒ ã®ãããè³Œå ¥ããäºå®ã®å šå¡ã®ååããªã¹ãã¢ããããåã®ããã®è²»çšãèŠç©ãããŸãã
- æ è¡ïŒ æ è¡ãèšç»ããŠããå Žåã¯ã亀éè²»ïŒèªç©ºåžãé»è»ããã¹ãã¬ã³ã¿ã«ãŒïŒã宿æ³è²»ãé£è²»ãã¢ã¯ãã£ããã£è²»çšãå«ããŸãã
- 飲é£ïŒ ããªããŒã®é£äºãã¹ããã¯ã飲ã¿ç©ã®è²»çšãèŠç©ãããŸããæåŸ ããã²ã¹ãã®æ°ãšå¿ èŠãªé£æãèæ ®ããŸãã
- è£ é£ŸïŒ ããªãŒãã©ã€ãããªãŒãã¡ã³ãããã®ä»ã®ãç¥ãã®è£ 食ãªã©ã®ããªããŒãã³ã¬ãŒã·ã§ã³ã®äºç®ãç«ãŠãŸãã
- åš¯æ¥œïŒ ããªããŒã€ãã³ããã³ã³ãµãŒããæ ç»ããã®ä»ã®å𝿥œæŽ»åã®è²»çšãå«ããŸãã
- æ åå¯ä»ïŒ ããªããŒã·ãŒãºã³äžã«æ åå¯ä»ãèšç»ããŠããå Žåã¯ãããããäºç®ã«å«ããŸãã
- éæïŒ é æ¹ã«äœãå人ãå®¶æã«ã®ãããéãå Žåã¯ãéæãäºç®ã«å«ããŸãã
- éè²»ïŒ äºæãã¬åºè²»ãåå£å Žã§ã®è³Œå ¥ã®ããã«å°é¡ã確ä¿ããŠãããŸãã
2.2. åã«ããŽãªãžã®è³éã®å²ãåœãŠ
ãã¹ãŠã®æœåšçãªè²»çšããªã¹ãã¢ããããããåªå é äœãšæ¯åºé床ã«åºã¥ããŠåã«ããŽãªã«è³éãå²ãåœãŠãŸããéäžã§å²ãåœãŠã調æŽããå¿ èŠããããããããªãã®ã§ãçŸå®çãã€æè»ã«å¯Ÿå¿ããŠãã ãããã¹ãã¬ããã·ãŒããäºç®ç®¡çã¢ããªã䜿çšããŠãæ¯åºã远跡ããé²æç¶æ³ãç£èŠããããšãæ€èšããŠãã ããã
äŸïŒããªããŒã®ç·äºç®ã1000ç±³ãã«ã ãšããŸããã®ããã«400ãã«ãæ è¡ã«300ãã«ã飲é£ã«150ãã«ãè£ é£Ÿã«50ãã«ã嚯楜ã«50ãã«ãéè²»ã«50ãã«ãå²ãåœãŠããããããŸããã
2.3. äºç®ç®¡çããŒã«ãšã¢ããªã®æŽ»çš
æ¯åºã远跡ããäºç®å ã«åããã®ã«åœ¹ç«ã€æ°å€ãã®äºç®ç®¡çããŒã«ãã¢ããªããããŸãã人æ°ã®ããéžæè¢ã«ã¯ãMintãYNAB (You Need a Budget)ãPersonal CapitalãPocketGuardãªã©ããããŸãããããã®ããŒã«ã䜿çšãããšãäºç®ã®äœæãæ¯åºã®è¿œè·¡ã財åç®æšã®èšå®ãé²æç¶æ³ã®ãªã¢ã«ã¿ã€ã ç£èŠãå¯èœã§ããå€ãã¯ãè«æ±æžæ¯æãã®ãªãã€ã³ããŒãåµå管çããŒã«ãªã©ã®æ©èœãæäŸããŠããŸãã
3. åµé çãªã³ã¹ãåæžæŠç¥
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3.1. DIYã®ããã®èžè¡
æäœãã®ã®ããã¯ãåºã§è²·ã£ãåç©ãããæå³ããããåã°ããããšãå€ãã§ããçŒãèåãç·šã¿ç©ã®ã¹ã«ãŒããææãã®ãªãŒãã¡ã³ããã«ã¹ã¿ã ãã©ãã¢ã«ãã ãªã©ãããŒãœãã©ã€ãºãããã®ãããäœãããšãæ€èšããŠãã ãããDIYã®ããã¯ããéãç¯çŽããã ãã§ãªããããªãã®åµé æ§ãšå人çãªã¿ããã衚çŸããããšãã§ããŸãã
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3.2. äœéšã®ã®ãããåãå ¥ãã
ç©è³ªçãªææç©ãè²·ã代ããã«ãäœéšãã®ãããšããŠèŽãããšãæ€èšããŠãã ãããããã«ã¯ãã³ã³ãµãŒãã®ãã±ãããæçæå®€ãã¹ãããªãŒãã¡ã³ãããŸãã¯é±æ«ã®å°æ è¡ãªã©ãå«ãŸããŸããäœéšã¯æ°žç¶çãªæãåºãäœããæåœ¢ã®åç©ãããå€ãã®äŸ¡å€ãæäŸããããšããããããŸããå°å ã®èгå ã¹ããããã¢ã¯ãã£ããã£ã®å²åŒããåŸãªæ å ±ãæ¢ããŸãããã
äŸïŒåäŸã«ããã¡ããè²·ã代ããã«ãå°å ã®åç©åãåäŸåç©é€šã®ãã±ããã®ãããªäœéšããã¬ãŒã³ãããŸãããã
3.3. ã¹ããŒããªè²·ãç©ãã¯ããã¯
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- äŸ¡æ Œæ¯èŒïŒ è³Œå ¥ããåã«ãããŸããŸãªåºèããªã³ã©ã€ã³å°å£²æ¥è ã§äŸ¡æ Œãæ¯èŒæ€èšããŸãããã
- ã¯ãŒãã³ãšå²åŒã®å©çšïŒ ã¯ãŒãã³ãå²åŒãããã¢ãŒã·ã§ã³ã³ãŒããæŽ»çšããŠãéãç¯çŽããŸãããã
- ã»ãŒã«äžã«è²·ãç©ïŒ ãã©ãã¯ãã©ã€ããŒããµã€ããŒãã³ããŒããã¯ã·ã³ã°ããŒãªã©ã®ããªããŒã»ãŒã«ã«æ³šç®ããŠãå€§å¹ ãªå²åŒãèŠã€ããŸãããã
- äžå€åã®éžæè¢ãæ€èšïŒ ãŠããŒã¯ã§æé ãªã®ãããèŠã€ããããã«ãäžå€ååºããªãµã€ã¯ã«ã·ã§ããããªã³ã©ã€ã³ããŒã±ãããã¬ã€ã¹ãæ¢ããŠã¿ãŸãããã
- ãŸãšãè²·ãïŒ è€æ°ã®äººã«ã®ãããè²·ãå Žåã¯ããŸãšãè²·ããæ€èšããŠãéãç¯çŽããŸãããã
- ãã€ã€ã«ãã£ããã°ã©ã ã®æŽ»çšïŒ ãã€ã€ã«ãã£ããã°ã©ã ããªã¯ãŒãã«ãŒããæŽ»çšããŠãè³Œå ¥æã«ãã€ã³ããå²åŒãç²åŸããŸãããã
3.4. ããªããŒã®é£äºãåèãã
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- æã¡å¯ãããŒãã£ãŒïŒ åã²ã¹ããäžåæã¡å¯ãæã¡å¯ãããŒãã£ãŒãäž»å¬ããŸããããã«ãããé£äºã®æºåãšè²»çšãå€§å¹ ã«åæžã§ããŸãã
- ã¡ãã¥ãŒã®ç°¡çŽ åïŒ æã®èŸŒãã é«äŸ¡ãªé£äºã®ä»£ããã«ãããã·ã³ãã«ã§æé ãªæçãéžã³ãŸãããã
- 飿ã®è³¢ãè²·ãç©ïŒ 飿ã®ãè²·ãåŸåãæ¢ããå¯èœãªå Žåã¯ãŸãšãè²·ããããã¯ãŒãã³ã掻çšããŸãããã
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3.5. åµé çãªè£ 食ã®ã¢ã€ãã¢
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- DIYè£ é£ŸïŒ çŽãåžãèªç¶çŽ æãªã©ã®ææã䜿ã£ãŠãæäœãã®ãªãŒãã¡ã³ããã¬ãŒã©ã³ããã»ã³ã¿ãŒããŒã¹ãäœæããŸãã
- èªç¶çŽ æã®æŽ»çšïŒ æŸãŒã£ãããæãèãªã©ã®èªç¶çŽ æã䜿ã£ãŠããç¥ãã®è£ 食ãäœæããŸãã
- å€ãè£ é£Ÿã®åå©çšïŒ å€ãè£ é£Ÿãåå©çšãããã³ããã°ãªãã¿ãŒããã®ä»ã®è£ 食åã§æ°ããå€èгãäžããŸãã
- è£ é£Ÿã®åçšãŸãã¯ã¬ã³ã¿ã«ïŒ æ°ããè³Œå ¥ãã代ããã«ãè£ é£Ÿãåãããã¬ã³ã¿ã«ããããšãæ€èšããŸãã
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4. ããªããŒã®æ è¡è²»çšã®ç®¡ç
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4.1. èªç©ºåžãšå®¿æ³æœèšã®äºåäºçŽ
èªç©ºåžãšå®¿æ³æœèšã¯ãæ©æå²åŒãå©çšããäŸ¡æ Œã®äžæãé¿ããããã«ãååã«åãã£ãŠäºçŽããŸããããæ è¡æ¯èŒãŠã§ããµã€ãã䜿çšããŠãæè¯ã®ååŒãèŠã€ããããŸã人æ°ã®ãªãæ¥ãæé垯ã«é£ã¶ããšãæ€èšããŠãã ããã
4.2. 代æ¿ã®å®¿æ³ãªãã·ã§ã³ã®æ¢æ±
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4.3. å ¬å ±äº€éæ©é¢ãšçŸå°ã®äº€éææ®µã®å©çš
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4.4. è·ç©ã軜ãããŠæè·ç©æéãé¿ãã
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4.5. å°å ã®äººãšåãããã«é£äºããã
芳å 客åãã®ã¬ã¹ãã©ã³ã§ã®é£äºãé¿ããå°å ã®é£å ãéžãã§é£²é£è²»ãç¯çŽããŸããããããæ¬æ Œçã§æé ãªé£äœéšã®ããã«ãå±å°ã®é£ã¹ç©ãå°å ã®åç©æçã詊ããŠã¿ãŠãã ããã
5. æåãè¶ ããã®ããèŽçãšãã±ããã®ããã²ãŒã
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5.1. æåçãªéãã®çè§£
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5.3. ãŠãããŒãµã«ãªã®ããã®éžæ
è¿·ã£ããšãã¯ãæåãè¶ ããŠäžè¬çã«åã°ãããŠãããŒãµã«ãªã®ãããéžã³ãŸããããäŸãã°ïŒ
- ã®ããã«ãŒãïŒ äººæ°ã®åºãã¬ã¹ãã©ã³ã®ã®ããã«ãŒãã¯ãå®å šã§çšéã®åºãéžæè¢ã§ãã
- äœéšïŒ ã€ãã³ããã¢ã¯ãã£ããã£ãžã®ãã±ããã¯ããã°ãã°æè¬ãããæ°žç¶çãªæãåºãäœããŸãã
- æ åå¯ä»ïŒ 誰ãã®ååã§æ åå£äœã«å¯ä»ããããšã¯ãææ ®æ·±ãæå³ã®ããã®ããã«ãªãåŸãŸãã
- å°å ã®åç£ç©ïŒ ããªãã®å°å ã®æåãå°åã代衚ããå°ããªãåç£ã¯ããŠããŒã¯ã§æè¬ãããã®ããã«ãªãåŸãŸãã
6. ããªããŒåŸã®è²¡åã¬ãã¥ãŒ
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6.1. å®éã®æ¯åºãšäºç®ã®æ¯èŒ
å®éã®æ¯åºãäºç®é¡ãšæ¯èŒããŠãäºç®ãè¶ éããé åãäžåã£ãé åãç¹å®ããŸããããã¯ãæ¯åºç¿æ £ãçè§£ããå°æ¥ã®äºç®ã調æŽããã®ã«åœ¹ç«ã¡ãŸãã
6.2. æ¹åç¹ã®ç¹å®
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6.3. æ¥å¹Žã®è²¡åç®æšã®èšå®
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7. ããªããŒæ¯åºã®å¿çåŠ
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7.1. ææ çãªããªã¬ãŒã®èªè
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- çœªæªæïŒ æãã人ã«é«äŸ¡ãªã®ãããè²·ããªããã°ãªããªããšãã矩åæã
- 瀟äŒçå§åïŒ ä»ã®äººã®æ¯åºç¿æ £ã«è¿œãã€ããªããã°ãªããªããšãããã¬ãã·ã£ãŒã
- ãªããŒã«ã»ã©ããŒïŒ ã¹ãã¬ã¹ãåŠå®çãªææ ã«å¯ŸåŠããæ¹æ³ãšããŠè²·ãç©ãå©çšããããšã
- èŠéãããšãžã®ææ (FOMO)ïŒ ãéã䜿ããªããšããªããŒäœéšãéããŠãããããªæèŠã
7.2. ãã€ã³ããã«ãªæ¯åºã®å®è·µ
æéããããŠè³Œå ¥ãæ€èšããè¡åçãªæ±ºå®ãé¿ããããšã§ããã€ã³ããã«ãªæ¯åºãå®è·µããŠãã ãããæ¬åœã«ãã®ã¢ã€ãã ãå¿ èŠãã©ããããããŠãããããªãã®äŸ¡å€èгã財åç®æšãšäžèŽããŠãããã©ãããèªåããŠãã ããã
7.3. å¢çç·ã®èšå®
æ¯åºã«å¢çç·ãèšå®ãããããå®¶æãå人ã«äŒããŠãã ãããäºç®ã®å¶éãç¥ãããéå°ãªæ¯åºã䌎ããªã代æ¿ã®äŒæ¥ã®ç¥ãæ¹ãææ¡ããŠãã ããã
8. ããŸããŸãªæåã®ãç¥ãã®ããã®ããªããŒäºç®
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8.1. ã¯ãªã¹ãã¹ã®äºç®ã®ãã³ã
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- å人ãžã®ã®ããäºç®ãèšå®ããã
- æäœãã®è£ 食ãäœãã
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- ããªããŒã»ãŒã«ãå²åŒãå©çšããã
8.2. ãã£ã¯ãªã®äºç®ã®ãã³ã
å ã®ç¥ãã§ãããã£ã¯ãªã§ã¯ãæ°ããæããèåãè±ç«ãã®ããã«ãéã䜿ãããšããããããŸãããã£ã¯ãªã®äºç®ã广çã«ç®¡çããããã«ïŒ
- äºåã«è²·ãç©ãèšç»ããã
- ãèåãã®ãããè²·ãåã«äŸ¡æ Œãæ¯èŒããã
- åžè²©åã§ã¯ãªãæäœãã®ãèåãäœãã
- ç°å¢ã«åªãããéšé³ã®å°ãªãè±ç«ãæ€èšããã
8.3. ã€ãŒãã®äºç®ã®ãã³ã
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- äžå€åãå²åŒäŸ¡æ Œã®æã®è³Œå ¥ãæ€èšããã
8.4. ããã«ã®äºç®ã®ãã³ã
å ã®ç¥ãã§ããããã«ã§ã¯ãã®ããïŒã²ã«ãïŒãã¡ãã©ãŒããã£ã³ãã«ãäŒçµ±çãªé£ã¹ç©ã«ãéã䜿ããŸããããã«ã®äºç®ã管çããããã«ïŒ
- ããã«ã®åå€ã®æ¯æ¥ã®ã®ããäºç®ãèšå®ããã
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- å®¶ã§ããã«ã®ã²ãŒã ãã¢ã¯ãã£ããã£ãäŒç»ããã
8.5. æ§æ£æã®äºç®ã®ãã³ã
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- èµ€ãå°çã®äºç®ãèšå®ããã
- æäœãã®è£ 食ãäœãã
- åäŒã®å€é£ãäºåã«èšç»ããã
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9. çµè«ïŒãã€ã³ããã«ãã€è²¬ä»»ãæã£ãŠãç¥ããã
ããªããŒäºç®ããã¹ã¿ãŒããããšã¯ãçµæžçãªã¹ãã¬ã¹ãªãç¥ç¥ã楜ããããã«äžå¯æ¬ ã§ããèªèº«ã®çµæžç¶æ³ãçè§£ãã詳现ãªäºç®ãäœæããã³ã¹ãåæžæŠç¥ã宿œããæ¯åºç¿æ £ã«æ³šæãæãããšã§ã楜ãã責任ããæ¹æ³ã§äŒæ¥ãç¥ãããšãã§ããŸããããªããŒã®çã®ç²Ÿç¥ã¯ãéå°ãªæ¯åºã§ã¯ãªããã€ãªãããæè¬ããããŠæãåºäœãã«ãããŸããäžããåã³ãäžäœæã®æž©ããããããŠæåçäŒçµ±ã®çŸãããåãå ¥ããªããã財åç®æšã«å¿ å®ã§ããç¶ããŠãã ãããããããŒããªããŒïŒ