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みぃも︱マネして貯まるお金術

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How to increase changes in the place to save!

With 20,000 savings per month, the hurdle is relatively low

I think it's easy to continue

where you put your money every month.

There is a big difference in savings after 10 or 20 years 😭

Don't you want more? ✨

I made a summary that you can understand at a glance 💰

the high interest banks actually

I'm using it, so I want you to refer to it

I chose Aozora Bank 💡

Save and use it for savings ✨

❁ ❁

☑️ talk and study about money ✍️

☑️ savings and investment 💰

☑️ From Zubora spenders to Zubora savings

Waste Graduation Account ✊

Former waster Arasa Miimono

Other posts from here → @ miimo _ tik

Troubles or troubles related to money

Feel free to comment 👌

❁ ❁

# Comments are welcome

Start from zero savings

Household Management

How to increase your money

2025/8/28 Edited to

私も毎月2万円の貯金を続けていますが、銀行選び一つでこんなにも貯金額に差が出るとは驚きでした。例えば、メガバンクの普通預金だと10年後で約240万円ですが、あおぞら銀行の0.2%金利の普通預金なら約242.4万円、定期預金（0.3%）だと約243.6万円に。わずかな違いですが、20年後になると差はさらに大きくなります。さらに、NISAなどの投資で運用すれば、年利3%で約276.5万円、5%なら約310.6万円と、貯金を単に預けるだけよりはるかに増やすことも可能です。これは毎月2万円の積立でも侮れません。私も最初はただ銀行に預けるだけでしたが、知識をつけてからはリスクを理解した上でNISAを活用し、資産形成にチャレンジしています。貯金や資産運用に慣れていない方は、まず利息の高い銀行を選ぶのがおすすめ。特にあおぞら銀行は実際に私が使っていて安心感があります。定期預金にすると多少お金は引き出しにくくなりますが、その分利息が上がり貯金を強制的に続けられるメリットもあります。また、貯金自体はハードルが低い毎月2万円程度に設定するとストレスが少なく継続しやすいと感じました。無理なく続けられる範囲でお金を貯め、可能なら投資も少しずつ取り入れてみるのが賢い増やし方です。みなさんも毎月の貯金額とその置き場所を見直し、将来の資産を無理なく増やしていく一歩を踏み出してみてはいかがでしょうか？私も浪費家から変われたので、一緒に貯金上手になりましょう！

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