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なみ『今を楽しむ』家計管理
なみ『今を楽しむ』家計管理

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How much to save?

How to Save Education Fees 💡?

1. saving money in the bank

2. Prepare for Student Insurance

3. Utilize investments

─ ─ ─ ─ ─ ─ ─ ─ ─ ─ ─ ─ ─ ─ ─ ─ ─

the total cost of education

Depending on the course you choose, there will be a difference of more than twice.

🏫 all public Approximately 10.58 million yen

🏫 all private About 26.23 million yen

Of this total amount,

Until elementary school graduation, to spend from the monthly salary

・ From junior high school entrance, cut down on savings

☝️,

When to start using and when to prepare

Depending on the number of children, the amount to be prepared will differ, so let's prepare early!

Not just "saving education expenses,"

Know the money you can use now

Let's enjoy the time with children that we have only now

Thank you for always watching

─ ─ ─ ─ ─ ─ ─ ─ ─ ─ ─ ─ ─ ─ ─ ─ ─ ─ ─ ─ ─ ─ ─ ─ ─ ─ ─ ─

Household management tips to enjoy now

Saving and Gaman's stingy mother

→ Accumulate mechanism, so that you can use money for what you like

40 s Couple + Two High School Students

# remo _ bus Household account book Education costs

4/15 Edited to

... Read more教育費の準備は早ければ早いほど、無理なく確実に必要額を貯められると実感しています。私自身も幼児期からコツコツ貯金を始め、子どもの進路選択を考慮しながら貯め方を工夫しました。特に教育費の総額は、進路によって2倍以上変わるため、目標金額の設定が重要です。 例えば、全て公立の場合は約1,058万円、全て私立だと約2,623万円が必要と言われています。小学校までは毎月の収入から支出し、中学校以降は貯めた資金を活用する計画が多いです。私もこの方針で進め、毎月の家計管理を見直しながら無理のない積立を行っています。 効率的に教育費を貯める手段として、銀行預金のほかに学資保険や積立投資（特にジュニアNISA）が有効です。学資保険は保障もあるため安心感がありますが、返戻率は控えめ。投資は長期的に運用することで、資金を増やす可能性が期待でき、NISAの非課税メリットも大きいです。私も実際にジュニアNISAを活用し、元本以上のリターンを得ています。 また、家計の節約と精神的な余裕のバランスも大切だと感じています。教育費を貯めるばかりに「今」の生活や子どもとの時間を犠牲にしないこと。時には家族で楽しむ時間を大切にしながら、未来のための準備を進めていくことが、長い目で見た幸せな家計管理のコツだと思います。 最後に、子どもの人数や進路によって必要な教育費が変わるため、家族構成に合わせた計画づくりを早めに始めることが大切。私の経験を通して、貯蓄だけでなく学資保険や投資も組み合わせることで、より安定した教育費準備が可能になることを実感しました。貯めつつ今の楽しみも忘れずに、賢く家計を見守っていきましょう。

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