Why waste money on houses, cars and education but skimp on food and utilities!

How many of you agree with this question?

Most people in the world are not stingy with their homes, cars, or education. On the contrary, they are desperate to keep their daily living expenses

On the other hand, they try hard to keep food and utilities costs, which are directly related to daily living expenses, low.

For example, if you buy a house that costs 10 million yen more, you may be able to save 1,000 yen a day on food and utilities.

Even if you can reduce your expenses by 1,000 yen, it will take about 27 years to make back the 10 million yen.

It will take about 27 years !?

Most people buy a house for 40 million yen or so with an easy mind when purchasing a house.

However, if they buy an extra 10 million yen because they didn't study hard enough or didn't save enough at the time of purchase, it will take them 27 years to make it back, even if they can save 1,000 yen every day.

Moreover, food and utility costs directly affect the quality of life and have a negative impact on health.

For every ¥1,000 you save every day, you lose valuable time and health, and even if you get ¥10 million back in 27 years, you lose hundreds of millions of yen worth of health and time.

My theory is that we should save exactly the opposite.

First, a used house is enough. If the house is about 10 years old, you can buy it for half the price; a 30 million yen house becomes 15 million yen, so you save 15 million yen just by making it 10 years older.

To be honest, if it is a good used house, its performance will not deteriorate that much in 10 years, and it is still beautiful.

Next is the car. The conclusion is a used car as well. If possible, unpopular light cars are the best.

They are inexpensive to buy and low maintenance costs. If you live in a city with a well-developed train system, you don't need a car in the first place.

Use a train and a bicycle at the same time.

In 20 to 30 years, the difference will be 10 million yen.

Finally, education.

Parents are very busy with their children's lessons and cram school.

My theory is that if there is something they really like, they should take lessons, but cram school is unnecessary.

There is a belief that education should not be stingy, but education is what is worth being stingy about.

I went to cram school when I was a student and worked as a teacher for several years, so I know what I am talking about.

I know that most of the teachers at most cram schools, including small cram schools, are amateurs. To put it simply, they are just a little bit smart neighborhood older brothers and sisters.

Of course, most of them are amateurs when it comes to teaching, and they are often half-hearted.

For example, in a tutoring style, the level of instructors drops dramatically, so they are really at the level of helping students with their homework at school. Please understand that it is impossible to provide guidance on exam questions. Next, many instructors in group classes are experienced, but this time, they cannot provide education tailored to each student's weaknesses, so it is the same as a school class.

ConclusionIt is best and saves money for parents to teach.

Especially in middle and high school students, they can do their own research on the Internet and see free classes and instructional videos on YouTube.

First, parents should teach their children how to study on their own, and teach them how to learn by doing their own research. Parents can teach their children what they don't understand. In addition, they should let their children ask questions to their teachers at school. Frankly speaking, school teachers are better than many tutors and are better at teaching.

If you have several children and can save on having them attend cram school through elementary, junior high, and high school, you can save about 5 million yen in some cases.

Just by continuing to save these three things, you can save about 30 million yen over 20 to 30 years.

It is true that saving all three will lower your standard of living somewhat, but you will find that it actually does not change that much.

But in fact, it will not change that much.

Spending money on a car in particular is just the ultimate concern for other people's eyes.

When you are driving, you can't see the outside of the car yourself, and once you get used to the ride, it doesn't make much difference.

A house will be used after a few years if you live in it. Whether you buy a new house or a used house, you will only be able to taste the new house for a few years.

In education, unmotivated children usually do not improve their grades no matter how much they attend cram school. However, motivated students will improve their grades whether they attend cram school or not.

What is the purpose of cram school, then? The real cram schools are there to help motivated students improve their grades, while many other cram schools are there to help children who don't study to study.

I think almost no one would disagree with this.

Then, what if the 30 million yen that floats away over 30 years is used for other living expenses?

You can spend an extra 2,700 yen every day.

It is like getting an allowance of 2,700 yen every day. That is 18,900 yen per week.

If you spend this money on food and other daily necessities, your quality of life will improve considerably.

On the other hand, if you are spending money on a house, car, or education, you should realize that you are paying 2,700 yen every day to maintain it.

Even more unfortunate is that most people are stingy with food and utilities during normal times, but spend mountains of money on useless clothes, appliances furniture, etc., drinking money, candy money, etc.

I also see people around me who immediately buy juice from vending machines, buy expensive coffee makers and don't use them, fill their closets with clothes bought on sale, and in any case, waste a lot of money.

They are wasting their hard-earned money on houses, cars, and education to look good, etc., and they are also wasting their hard-earned money to relieve stress at work. This is why they can't afford to spend money and are stingy with their food expenses and easily visible daily utility bills.