500円玉貯金は続かない!一万円札貯金がおすすめ!

ブラキです!

500円玉貯金、いっぱい貯めて旅行に行くぞ!

と始めてみたはいいものの、気付けば貯金箱に手を伸ばしてた
なんて方、多いですよね

500円玉貯金は確かに夢があります
何十万も貯めた人や、中には500円玉だけで100万以上貯めた強者もちらほら・・・
そういう人たちに憧れて始めたけれど、案外貯まらないのが500円玉貯金ですよね
そもそも続かないから貯まらないんですよね

そこで今回は
500円玉の続かない理由と落とし穴
おすすめの一万円札貯金を紹介します!

500円玉貯金の続かない理由と落とし穴
500円玉貯金は続かない理由と思わぬ落とし穴を紹介します

すぐ取り出せるところにある

一番の理由がこれですよね

銀行への貯金と違ってすぐ取り出せる家にあります

さらに500円玉というところが取りやすさの理由にもなりますよね
1万円!!!ドーン!!!とかと違ってめちゃくちゃ気軽に取り出しやすい・・・
ちょっとだけ、ちょっとだけと取り出していくうちに全然貯まってない・・・
もはや500円玉を入れることすら止めてた・・・
なんてことになります

500円玉を作るために無駄な買い物をしてしまう

こういう方、結構多いんじゃないでしょうか
毎日500円玉を貯金箱に入れることを義務付けている方に多いですよね

500円以内の商品をお札を出すことで500円を作り出す
でもお札も同時に減るので銀行から引き下ろす頻度が増える
お金を貯めたいから始めた500円玉貯金のせいで無駄に浪費してた・・・
本末転倒ですよね

500円玉貯金+普通の貯金を平行して行ってしまう

これは僕が陥った落とし穴です
500円玉と毎月の貯金を同時に行う、これはかなり難しいです

僕の場合は500円玉貯金をするためになるべくお札を出していたので、銀行から引き下ろす頻度も増え、普通の貯金ができなくなってしまいました

普通の貯金分が500円玉貯金に貯まればいいんですが
500円玉を作り出すために無駄な買い物をしてしまったので、結局あまり貯まらなかったんですよね

完全に二兎追うものは一兎も得ずってやつです;;

続けるには?

500円玉を続けたい!でも続かない・・・
続けるコツを紹介します!

取り出さない強い意志を持つ

これが一番大事
というよりも貯金において一番大事です
しかし500円玉貯金で何十万も貯めれる強い意志があれば
普通に貯金した方が貯まるんですよね・・・(笑)

楽しむ

500円玉貯金を本気でしないのもコツです

あ、財布に500円あるやん!貯金箱に入れよ!いただ禁貨~!

ぐらいのノリで入れましょう
気付けばこんな貯まってた!くらいの気楽さが重要です

一万円札貯金がおすすめ

500円玉貯金が続かない人は一万円札貯金を始めてみましょう

へ???何言ってんの???

と思いますよね
まず、なぜ500円玉貯金を始めようと思ったのか考えてみましょう

お金を貯めたいからですよね?

ということは500円玉貯金ではなくてもいいんです

500円玉貯金と一万円札貯金を比較してみましょう

まず、500円玉は毎日一枚を貯金箱に入れると仮定します
すると、
500円×30日=15,000円/月貯まる計算になります

しかし僕は
それなら最初から一万円札を貯金箱に突っ込みましょう
と提案します

500円玉貯金では1ヶ月で15,000円貯金できましたが、一万円札貯金は1ヶ月に10,000円の貯金です

え!500円玉貯金の方が貯まるやん!

と思うかもしれませんが、
毎日500円玉を作り出そうとすればお札で買い物をするので浪費につながる

前述もしましたが、
これが500円玉貯金の思わぬ落とし穴なんです

毎日500円玉を作り出そうとすれば
単純計算で毎日お札を出していることになります
ということは15,000円分の500円を作り出すのに、
その倍の15,000円を使っていることになるんです

長い目で見れば一万円札貯金の方が貯まっているはずです
一万円札は気軽に取り出せる額ではないというところもおすすめですね

しかしこれは500円玉貯金が続かない人用の作戦ですので
普通に貯金ができる人はこれまで通り続けてくださいね

まとめ

貯金に重要なのは続けることと柔軟な考え方です
続けることはもちろんですが
楽しんだり、500円玉貯金を止めて一万円札貯金にしてみるという柔軟な考え方が
貯金への一番の近道です

それじゃあ終わり!

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