While shopping and investing, "poi-katsu" ─ FP teaches how to save money easily and tips on how to manage it
Speaking of "poi-katsu", you can earn tens of thousands of yen worth of points every month by following a thorough method of earning points. Do you have such an image?
Shopping-related poi-katsu such as "○○ economic zone" and "well-katsu" are well known, but recently there are also point apps that can be used to view videos, monitor questionnaires, service contracts, shopping, etc. to earn points. Some apps even allow you to earn points just by walking.
Since there are many opportunities to touch points, those who want to start poi activities should start with things that interest them and in a way that suits them without overdoing it.
This time, I will also propose to everyone about the simple poi-katsu concept and approach that I have been telling you about in household financial consultations.
Why do you want to save points?
Why do you want to earn points? Accumulated points can be used for shopping like cash, exchanged for products or gift certificates, or invested in points. There are also points that can be used for donations.
Depending on how you set these goals, the points you should save and how you save will differ. It's good to start just because it looks like it's a good deal, but the points will be scattered all over the place and you won't be able to save them efficiently.
Starting without a purpose may take a considerable amount of time to benefit from the points. It's hard to say that it's a poi-katsu, so let's clarify the points you want to save and save them consciously.
How can I save efficiently with the acquisition method that suits me?
Points can be obtained from payment tools such as credit cards and QR codes, as well as by registering on sites and apps, watching videos, applying for credit cards, and participating in questionnaires. There are multiple ways to obtain things.
People who want to save money naturally by shopping try not to pay cash as much as possible. Also, if you want to actively save even if it takes some time and effort, you can earn with point sites and poi live apps.
First of all, it is effective to narrow down the payment method to one or two in order to collect the points obtained by payment. In addition to the points that can be obtained only by the payment method, it is also possible to focus on common points such as T points, Ponta points, Rakuten points, and d points.
If you use a point site such as "PeX" where you can save and exchange multiple points at once, the points you get on the Internet will be less likely to expire.
Regular payments and investments also offer opportunities to earn points on a regular basis
To earn points with credit card payments, monthly payments such as communication costs, life insurance premiums, and utility bills can be paid by bank transfer or cash. It is also effective to pay by card instead of paying.
This is a natural method for those who have accumulated points, but if you want to manage your household finances properly, you may tend to avoid credit card payments that are deferred. However, it is not particularly difficult to manage the amount used for regular payments, so I think it is better to use it.
Using Earned Points for Investment
Similar to this, there is also a service that allows you to earn points by paying with a credit card for a savings investment.
If you make a reserve investment such as Tsumitate NISA from Sumitomo Mitsui Card at SBI Securities, you will receive 0.5% to 2.0% V points depending on the type of card.
The accumulated points can be used for payment or returned to a bank account by linking "Vpass" or "SMBC Direct".
Rakuten can do the same. Earn 1 point for every 100 yen you invest with your Rakuten card. You can use the returned points for shopping, and you can also invest in investment trusts with those points.
Both of them can settle investment contributions up to 50,000 yen. However, in the case of installment investment, a fixed amount is accumulated every month, so it seems that points can be accumulated easily without affecting household management (there is also a prospect that the point award rate will be reviewed in the future).
Poi-katsu is easy and efficient to start
If you try to be a master of poi-katsu from the beginning, you will get tired. If you do so, you will get tired of it in the middle and will not continue. The best thing is to be able to earn points without overdoing it in your daily life.
Furthermore, trying not to scatter points so that you can get the same points as much as possible is the trick to saving efficiently and returning it to your household budget or your own pocket money.
Payment method points x common points for double points
It is also good to accumulate T points, d points, Rakuten points, and Ponta points, which are called common points. It's also a good idea to concentrate and accumulate the points of the means.
At major chain stores, it is becoming possible to accumulate store-specific points and shared points at the same time. Furthermore, if points are accumulated through payment, a system is created in which multiple points can be accumulated with a single purchase.
For example, in QR code payments, if you use a debit card or credit card instead of a bank account, you can easily earn double points.
The points that can be obtained can be said to be "high" if there is a return of about 1%. If you can get 2%, 1.5%, etc. in combination, you may be able to save a lot just by paying your monthly living expenses.
In times when salaries don't increase, points can also help you get a little fun. Let's save without overdoing it and connect it to a happy life.
Mitsuaki Yokoyama
Household revitalization consultant, representative of MyFP Co., Ltd. It is a unique household revitalization program that improves the use of money itself, aiming for reliable revitalization of household finances, and has received high praise for its individual consultation and guidance. The number of consultations so far has exceeded 23,000. He has written many books and magazines and given many lectures. His representative works include “3000 Yen Investment Life for Beginners” and “Declaration of Saving Life from Annual Income of 2 Million Yen”, which have sold more than 600,000 copies, and have published a total of 3.3 million copies.
>> See article on "Money Optimization Guide" by Mitsuaki Yokoyama, a household recovery consultant
Source: PeX/Image: Shutterstock