◆ I finally became a full-time employee, can I still live alone?
The name is “Money Plan Clinic”, which answers the problems of households that you have received.
The counselor this time is a 34-year-old office worker woman who has been in non-regular employment for a long time and has not been able to save money. Mr. Yasuhiko Fukano, a financial planner, will give you some advice.
Female / contract employee / 34 years old
Kansai / Rental housing
◇ Family structure
◇ Consultation content
I’m worried whether I can live as it is, as non-regular employment has continued for a long time and there are few take-homes.
I used to live in a share house for a while, but two years ago I started living alone when I decided to hire a full-time employee. However, that company was also dismissed in half a year, and after working as a contract employee, I am now working as a full-time employee.
I have used up my savings for moving expenses, etc., and in the past year I have finally been able to save tens of thousands of yen each. I used to take out life insurance, but I have canceled it because I have reduced my take-home pay due to changing jobs.
I have no plans to get married in the future, so I’m worried whether I can live alone as it is. I’m living now, but I’m afraid that if something happens and I can’t work, I’ll be in need. Currently, I have no major health problems and I have no debt.
◇ Household income and expenditure data
Minomo’s household income and expenditure data is as shown in the chart.
◇ Supplementary information on household income and expenditure
(1) About savings
If you don’t have a month or an event with low utility bills, you can save 30,000 yen a month. Events include gifts for parents’ birthdays and parents’ day (about 5,000 yen each), welcome and farewell parties at the company (about 5,000 to 7,000 yen), and homecoming expenses (about 14,000 yen).
(2) About bonus
There is basically no bonus. If the company-wide performance is good, there may be a bonus at the end of the term. Last year, it was 100,000 yen, which was the highest ever, according to seniors in the same occupation.
(3) About retirement allowance and retirement age
There is a retirement allowance system. 120,000 yen a year after 3 years of regular employee service. The retirement age is 60 years old. There is no reemployment system.
(4) About my parents’ house
There is a possibility that he will return to his parents’ house in the future, but he will not return while his parents are fine. In addition, the counselors will inherit the fields and houses.
(5) About the enjoyment of life
Comment from the counselor “I participate in a weekend sports team, but if it costs, the participation fee (several hundred yen to 1000 yen). Sometimes I hold a concert with a friend, but the venue fee is the participant. It costs about a few hundred yen to meet each other. We participate in community service activities several times a year as supporters at children’s association camps during consecutive holidays, but the expenses will be paid. “
◇ Two advices from FP Yasuhiko Fukano
Advice 1: I want to keep an awareness of changing jobs as a means of increasing income
Advice 2: I want to secure the minimum necessary “medical insurance” in case of emergency
◆ Advice 1: I want to keep an awareness of changing jobs as a means of increasing income
Currently, it is said that you can save 30,000 yen a month without difficulty. Since there is basically no bonus payment, the annual savings amount is limited to 360,000 yen.
Even so, considering the income, this amount is working hard enough. Also, if this pace is maintained, it will be 1.8 million yen in 5 years and 3.6 million yen in 10 years. By continuing, it will be a large amount.
However, it is not so easy to continue this saving pace with your current income. As Ms. Minomo is worried, if something happens and her income is cut off, she may lose her savings instead of saving.
I have to say that there is a financial risk in the event of anxiety about whether we can live as it is.
Income increase is the most effective and ideal way to improve this. In other words, it is a job change. However, I have had a hard time finding a job so far, and I have finally returned to a full-time employee, so now I have a strong desire to calm down. Or you may think that changing jobs is difficult due to age.
However, if you are 34 years old, you should still have plenty of opportunities to change jobs. Of course, you don’t have to rush. You should be able to collect information while working at your current workplace. I think you should be aware that you should try if you have the opportunity to change jobs.
◆ Advice 2: I want to secure the minimum necessary “medical insurance” in case of emergency.
There is absolutely no problem with household management. It’s also healthy because there is no loan or cashing. If you dare to give advice, you shouldn’t cut it any further. In particular, it is the cost of food, hobbies, leisure, and other areas that you can enjoy.
The most important thing that Ms. Minomo should avoid now, as I mentioned earlier, is the loss of income. Especially when savings are still low, it poses a considerable household risk.
Therefore, as a self-defense measure, you need to pay close attention to your health. It is only a negative part of your feelings to spend a dry day by breaking your body or cutting the part you enjoy with unreasonable savings.
Currently, it is widely enjoyed at low cost, so please continue to manage your household budget in a well-balanced manner.
However, it can still lead to accidents and illnesses. It cannot be said that there are cases of surgery and hospitalization.
At that time, if you use the high-cost medical treatment system of health insurance, even if the medical expenses are high, you can keep the self-pay for the treatment covered by the insurance to the 80,000 yen level per month. In addition, under the injury and illness allowance system, if certain conditions are met, two-thirds of the salary will be paid for up to one and a half years even if the company is absent. However, it still puts a burden on households.
Therefore, I would like to secure medical insurance in case of emergency. For medical insurance, the simple guarantee of hospitalization is 5,000 yen, and for females and 34 years old, the monthly premium is around 2,000 yen (whole life insurance). You may also choose a type of mutual aid that specializes in medical care.
Anyway, now that I’m a full-time employee, I was able to join the welfare pension. That alone is a big plus for old age. Household management is sufficient, and if there are no unforeseen circumstances, living expenses will not be a big problem in the future.
After that, while paying attention to health, maintain the pace of savings and maintain awareness of changing jobs. Also, if you can work for a long time at the age of 65 and 70, it will lead to measures for old age.
◆ Impressions from the counselor “Minomo”
Thank you for your sincere advice. Certainly, I haven’t been able to change jobs so far, so I thought it would be more difficult.
It seems that he was thinking too little about trying to do something with his current income. I will continue my career change activities while considering whether my desired career path will come true in my current workplace.
I’m careful about my health, but I’ll try not to spend money on my body.
The one who taught me … Mr. Yasuhiko Fukano
One of the veteran FPs familiar at the Money Plan Clinic. Through various media, we provide information on household management methods, investment enlightenment, and other aspects of money. All About Also active as a savings and investment trust guide.
Interview / text: Kyotake Shimizu
Sentence = Arujan editorial department