日々の貯金や収入不足で疲れた経験を持つママたちからの投稿がありました。家計を圧迫する家賃とのバランスの難しさや節約に疲れた声が寄せられ、投資を考える意見も。投稿者は限られた収入で苦労しており、投資を検討することで資産を増やす方法も提案されています。また、息抜きも大切で長期的な貯蓄計画とメリハリを持つことが重要とされています。投稿者や他のママたちへの共感やアドバイスが交わされています。
Do you ever feel tired of saving money for daily expenses, retirement funds, and education costs, and find yourself struggling to make ends meet? The uncertainty of how long the life of being chased by money will continue, and the impulse to splurge occasionally may also cross your mind. A mom in the Mamasta community shared a post like this. Let’s introduce it.
『I’m in my forties, with one child. No support from my parents, but my husband and I saved 4 million yen, and I find myself sighing, “Still 4 million yen…” I’m tired of living a life where I have to give up things I want, hobbies, and travel. I’m thinking of spending about 1 million yen on myself. Will I regret it? What kind of life is it to be chased by money all the time』
The person who posted seems to be prioritizing savings over indulging in things they like. Despite trying hard to manage with limited income, they find it exhausting as the savings did not increase as expected. The reason the person thinks the savings aren’t growing is due to the high rent. Even though the household income is 9 million yen, the rent in the city is straining their budget, leading to cutting back on other expenses daily. Although the household income is not low, it seems there is an imbalance between income and spending. How did the moms in the Mamasta community respond to this concern?
Voice of empathy and concern for the poster
『Living a life focused on savings, I’m tired too』
『In the countryside, the salary is too low to save at all, so we’re in the same boat』
First, voices of empathy towards the poster’s concern were heard. Managing finances while raising children can be challenging. In order to address the issue of stagnant savings, some moms suggested moving to a different location. However, due to the husband’s workplace or preferences, anything other than the city is not an option. The poster seems to want to move to the suburbs, but that desire doesn’t seem to be viable. If expenses are not decreasing, perhaps increasing income through additional work may be the only solution…
Increasing savings?
『It’s a waste to just deposit money in the bank without any interest. What about buying stocks to receive dividends and shareholder benefits?』
『Why not try investing 100,000 yen of the 400 million in investment trusts? Time will be on your side!』
『Just depositing in the bank won’t keep up with inflation, so you need to invest. We started investing and increased by 5 million yen in 6 years』
These moms suggested having money work for you if increasing income is difficult. Indeed, simply depositing money in the bank may not lead to growth. Therefore, considering investment may be a good option.
Funds deposited in banks can generally be withdrawn at any time. On the other hand, when converting assets from investments into cash, certain procedures need to be followed. For those who tend to withdraw savings frequently, this could serve as a deterrent. For money that one wants to grow for needs like education or retirement in the future, it might be beneficial to slowly increase it over a long period through “investment.”
If you’re tired of managing with “increasing income” or “cutting back,” it might be worth considering investment where money can work for you. However, investments come with various risks such as stock price fluctuations or interest rate changes. Understanding the risks associated with the investment you are considering is also important.
Taking a break is also important!
『I think it’s a bit different to save money by sacrificing things you want. It’s okay to spend for a break once in a while』
『Why not try a family trip? Memories are priceless. Then you can work hard on saving again』
『I understand that impulse very well. I have been holding back until my kids grow up, and I started feeling down. You never know what will happen in this era. To avoid regretting it at that time, it’s better to release the pressure little by little』
Some comments suggested that continuing to endure is not good for mental health. The poster, who feels stressed from saving money daily, seems to be teetering at the edge. So, it might be necessary to have occasional breaks, such as going on a family trip, enjoying good food, as these “breaks” could be essential.
After taking a break, you might be able to continue with saving efforts. It’s essential to strike a balance to prevent a life of stress filled with savings.
Article by Eiternity Ando Editing by Minako Ogino Illustrations by Ngimamu