【誰でもできる】やれば必ず得する小さな節約法20連発【最大で年間約50万円の節約】【貯める編】：（アニメ動画）第135回

Finance-Focused Summary (Markets, Investing, Portfolio Relevance)

The video is largely about personal finance and expense reduction, not advanced investing or market strategy. However, it repeatedly frames saving as the input that increases your investable capital. It also mentions investing via NISA (Japanese tax-advantaged accounts) and using Rakuten Securities.

A recurring method is a “big holes first” framework—fix major leaks before spending time on small optimizations.

---

Core Framework / Approach

• First, address “big expense leaks.” Focus on major bills such as:

  • Rent
  • Insurance
  • Communication costs
  • Education expenses
  • Taxes (and other large recurring drains)

• After big drains are handled, micro-savings have diminishing returns. Instead of over-optimizing small cuts, prioritize increasing earning power.

• Savings methods are designed to be:

  • Low effort at the start
  • Sustainable over time
  • “Stepping stones” toward improved income/earning capacity

---

Explicit Investing / Finance Actions Mentioned

• Start or continue investing with NISA (tax-advantaged in Japan).

• Invest saved money by:

  1. Canceling subscriptions to free cash flow
  2. Redirecting that money into investing (The host also gives an example of compounding returns.)

• Rakuten Securities is promoted for:

  • Low fees
  • Earning Rakuten points through using the Rakuten card/ecosystem
• Resource/investing-adjacent benefit: Mentions getting the Nikkei newspaper “for free” via Rakuten Securities’ Nikkei Telecom. (This is positioned as a resource benefit, not as an investment performance driver.)

---

Key Numbers, Cost-Saving “Yields,” and Recommendations/Cautions

Note: Most quantified items are household savings (guaranteed cost reductions), not market-return figures. Still, the video treats these as “returns” comparable to investment outcomes.

Quantified Annual Savings Examples (Host Recap)

• Replace refrigerator (>10 years old): > ¥5,000/yr
• Switch to LEDs: several thousand to ¥10,000/yr

• Electric blanket: ~ ¥16,000/yr (vs a winter heating alternative example)

• Water-saving shower head: ~ ¥10,000–¥20,000/yr

• Pay NHK fees annually: ~ ¥2,455/yr
• Get rid of TV: ~ ¥30,000/yr
• Pay national pension insurance premium in a lump sum (freelancers): ¥7,295/yr (stated discount)
• Switch contact lenses → glasses: ~ ¥18,000/yr or more (range given)
• Quit smoking: ~ ¥110,000/yr
• Buy/sell via Mercari to “net” savings (resale strategy example; no single annual total stated)
• Choose generic medicine: ~ ¥12,000/yr
• Don’t go to convenience stores: ~ ¥8,200/yr
• Don’t buy sweets / reduce: ~ ¥72,000–¥84,000/yr
• Avoid ATM usage fees: ~ ¥3,000/yr
• High-reward credit card vs average: ~ ¥6,000/yr difference (example)
• Buy commuter pass with credit card (1.5% rewards example): ~ ¥2,340/yr
• Avoid plastic bottles; use own bottle: ~ ¥30,000–¥55,000/yr
• Buy ebooks: ~ ¥7,100/yr
• Subscription cancellation example: cancel a ~¥60,000 subscription yields ~¥10,000/yr savings (by removing unused services)

---

Compounding Example (Investment Performance Framing)

• If each viewer saves ¥50,000/yr, total savings claimed: ¥5 billion.
• Investing at 5% annual interest for 30 years is projected to become ~¥22 billion.
• Core message: treat savings as “capital” to invest—not only as reduced spending.

---

Credit Cards / Ecosystem Incentives (Finance-Related “Return”)

• Average cashback (as cited for 2021): 0.5%
• “High cashback” cited: >1%
• Example spend: ¥100,000/month
  • 0.5% vs 1% cashback difference: ~ ¥6,000/yr
• Rakuten ecosystem claim: points accumulation can be significant, though no precise annual figure is stated beyond “incredible amount.”

---

Fee-Saving / Transfer-Related Example

• Rakuten Bank example (as stated): If deposits are ≥ ¥500,000 and there are ≥ 10 transactions/month, then:

  • ATM fees are freed up to twice
  • Interbank transfer fees are freed up to twice

---

Methodological Caution / Realism

• The host discourages focusing on optimizing “tiny” savings when big expenses aren’t addressed.
• Tradeoffs are acknowledged (e.g., the host still buys some bottled drinks for enjoyment/comfort).

---

Tickers / Assets / Instruments Mentioned

No stock tickers are provided in the subtitles.

• Rakuten Securities (brokerage)
• NISA (account type)
• Credit cards / point programs
• NHK reception fee (public fee)
• Commuter pass purchases (often via Suica/JR-card systems)
• Mercari (resale marketplace)
• Subscription services:
  • Amazon Prime
  • Kindle Unlimited
  • Spotify
  • Netflix (and “Netflix originals” mentioned)
• Media/resource:
  • Nikkei newspaper (and Nikkei Telecom database)
• Healthcare-drug category:
  • Generic medicines (no specific drug names/tickers)

---

Brands Specifically Named (Non-Ticker)

• Panasonic (LED/electric simulation site mentioned)
• JINS, Yazoff (glasses brands)
• JR East / JRE card (commuter pass + Suica card)
• Suica (transport card)
• “Rakuten Card,” “Rakuten Market,” “Rakuten ecosystem”

---

Disclosures / Disclaimers

• No explicit “not financial advice” disclaimer appears in the provided subtitles.
• The host presents the guidance as personal finance habits with an emphasis on practicality.

---

Presenters / Sources

• Presenter/host: Unspecified individual (name not provided in subtitles)
• Referenced sources in content:
  • Agency for Natural Resources and Energy
  • Ministry of Internal Affairs and Communications (household expenditure survey, 2020)
  • Sony Bank (survey, 2013)
  • Forbes Japan (commuter pass/payment-related claim)
  • Ministry of Health, Labour and Welfare (generic drug equivalence recognition)
  • Rakuten Securities (service/resource claims)
  • Panasonic (simulation site)

---