Bookkeeping Grade 3 is a must⁉️
Hello.
Among the two presidents' stories about money, the "eternal theme" is
Should I buy my own home or rent it?.
This topic was also very popular during the live stream the other day.
And a lot of viewers were confused between the bookkeeping mindset and the emotional mindset.
🧾 bookkeeping
In bookkeeping, a home is treated as a "liability" rather than an "asset."
Make a mortgage loan
• Property taxes, repair costs, and management costs will be incurred
If sold, there is a high possibility that the value will decrease
In other words, the house does not create money, but rather sucks it up.
From a bookkeeping perspective, "increasing expenses = debt."
💭 emotional mindset
On the other hand, my home has emotional values such as "dreams" and "peace of mind."
The satisfaction of having your own home
• Sense of security living with family
Enjoyment that can be done to your liking, such as interior and garden
This feeling is an important value that cannot be measured by bookkeeping.
That's why the feeling of "I want to buy my home!" is very natural.
🛡️ president's words
Both presidents say.
👉 "Judge after learning bookkeeping! Bookkeeping!"
In other words, first of all, calmly look at whether it is an asset or a liability in the world of numbers.
After that, you can think about "what you want to do emotionally."
If you decide "because it is somehow safe" without knowing bookkeeping, you may end up with a heavy loan that binds your life.
✅.
Home or Rent?
The correct answer is different for each person, but what the president emphasizes is to have a bookkeeping perspective first.
If you look at it in numbers, it tends to become "debt."
If you look at it with emotion, it's a "dream" or a "relief."
It's best to understand both and then make the choice that's right for you.
👉 bookkeeping is a bridge between emotions and numbers.
That's why the president says "I'm doing bookkeeping!" many times.
Home or Rent? Bookkeeping and Financial literacy Household Management
マイホームを購入するか賃貸にするかは、多くの人が直面する大きな人生の選択ですよね。私自身も、最初は感情的に「自分の家を持ちたい！」という気持ちが強く、簿記や資産・負債の考え方を知らずに決断しそうになりました。しかし、実際に簿記の視点を学んでみると、マイホームは必ずしも「資産」とは言えず、住宅ローンや固定資産税、修繕費などの継続的な負担がかかる「負債」として捉えることが重要だと分かりました。 この認識が私の考え方を大きく変え、数字に基づいて家計をしっかり管理できるようになったのです。両学長が言うように、簿記は数字と感情の架け橋です。感情面では「自分の家に住む安心感」や「インテリアを自由に楽しむ楽しさ」がありますが、同時に数字を冷静に見てリスクや負担を把握しないと、後で苦労する可能性もあります。 例えば、住宅ローンの返済計画を 簿記的にシミュレーションしてみることで、将来の負担がどの程度か明確になるため、安心して決断できました。また賃貸の場合でも、初期費用や毎月の家賃、更新料など負担があることも考慮し、それぞれの長所短所を数字で比較できます。 私の経験から言えば、簿記３級程度の知識を持っておくと、生活全般の家計管理にも役立ちます。マイホームや賃貸の選択は人それぞれ正解が違いますが、簿記の視点を取り入れることで感情だけに流されず、より豊かな生活設計ができると実感しています。ぜひ、この記事の内容を参考に「簿記やりや〜！」の精神で、数字と感情の両方から住まい選びを考えてみてくださいね。