【一般職OL☕️】11月お給料 仕分け|一人暮らし奨学金あり【質素な暮らし🍃】

Summary

This transcript details the meticulous financial management of a 23-year-old Japanese clerical worker living alone. She prioritizes her finances into savings, fixed costs, and variable costs, with a monthly savings goal of 35,000 yen. Fixed costs include a 62,000 yen rent, a 14,222 yen scholarship repayment, and communication fees totaling 84,000 yen. Variable costs, fluctuating between 50,000 to 60,000 yen, cover food, utilities, daily necessities, beauty expenses, healthcare, books, and entertainment. Despite the high rent, she's never in the red and manages to save by living a simple life, using digital payments to avoid handling cash.

Takeaways

• 💼 The individual is a 23-year-old Japanese female clerical worker living alone and managing her finances meticulously.
• 📉 She prioritizes her finances into savings, fixed costs, and variable costs, focusing on saving 35,000 yen every month.
• 💰 Savings include company property accumulation savings, a 10% take-home pay allocation, and a NISA investment of 5,000 yen.
• 🏠 Fixed costs amount to 84,000 yen, with rent and utilities being the most significant expense, followed by a student loan repayment and communication costs.
• 🍳 Variable costs are managed with a focus on food, aiming to keep expenses around 15,000 yen per month, primarily through cooking and occasional convenience store purchases.
• 💡 The electricity bill for her all-electric property is notably high, averaging 6,000 yen monthly, which she advises against for cost-saving.
• 🧴 Daily necessities are budgeted at an average of 2,000 yen per month, with bulk buying when items are on sale.
• 👗 Beauty expenses, including clothing and cosmetics, are budgeted at about 8,000 yen per month, with a preference for affordable options.
• 🏥 Medical costs are variable but typically include regular dental checkups and cleanings, averaging 2,000 to 4,000 yen every few months.
• 📚 Book and study material expenses are kept low by using libraries and second-hand bookstores, with a monthly budget of 500 yen.
• 🎉 Entertainment and social expenses are budgeted at 2,000 yen due to the pandemic restrictions, covering gifts, small tokens of appreciation, and occasional outings.
• 💸 Total monthly expenses are estimated to be around 170,000 yen, with variable costs fluctuating but never resulting in a deficit.

Q & A

What is the primary occupation of the individual described in the transcript?

The individual is a clerical worker.

How does the individual prioritize their financial planning?

The individual prioritizes their financial planning in descending order of priority: savings, fixed costs, and variable costs.

What is the total amount the individual allocates to savings each month?

The individual allocates a total of 35,000 yen to savings each month.

What is the individual's monthly rent and common service fee, including water fee?

The individual's monthly rent and common service fee, including water fee, is 62,000 yen.

How does the individual manage their scholarship debt?

The individual manages their scholarship debt by making monthly payments of 14,222 yen, which they plan to continue for the remaining 20 years as it is interest-free.

What is the individual's monthly cost for mobile and communication services?

The individual's monthly cost for mobile and communication services is 3,000 yen for the smartphone and 3,800 yen for Wi-Fi, totaling 6,800 yen.

What is the individual's monthly budget for food expenses?

The individual tries to keep their monthly food expenses within 15,000 yen.

How does the individual handle the cost of electricity in their all-electric property?

The individual's average monthly electricity bill is 6,000 yen, which they consider high and a drawback of living in an all-electric property.

What is the individual's approach to managing the cost of daily necessities?

The individual is conscious of spending an average of 2,000 yen a month on daily necessities and often buys items in bulk when they are on sale.

What is the individual's monthly budget for beauty expenses?

The individual has a monthly budget of about 8,000 yen for beauty expenses, which includes clothes, accessories, cosmetics, and hairdressing fees.

How does the individual manage their entertainment expenses during the corona disaster?

Due to restrictions from the corona disaster, the individual has set a low budget for entertainment expenses, recording it at 2,000 yen.

What is the total estimated monthly cost for the individual based on the transcript?

The total estimated monthly cost for the individual is 170,000 yen, which includes savings, fixed costs, and variable costs.