{"id":7263,"date":"2017-03-16T22:07:24","date_gmt":"2017-03-16T13:07:24","guid":{"rendered":"https:\/\/je1sgh.mydns.jp\/je1sghblog\/?p=7263"},"modified":"2017-03-16T22:07:24","modified_gmt":"2017-03-16T13:07:24","slug":"%e3%83%9d%e3%82%a4%e3%83%b3%e3%83%88%e3%82%ab%e3%83%bc%e3%83%89","status":"publish","type":"post","link":"https:\/\/je1sgh.mydns.jp\/je1sghblog\/?p=7263","title":{"rendered":"\u30dd\u30a4\u30f3\u30c8\u30ab\u30fc\u30c9"},"content":{"rendered":"

日本では，預金金利の低い時代が何十年も続いてます．そうはいっても，銀行にお金を置いとかないといろいろ困るので、多少の金額を銀行に預けています．<\/p>\n

家計のほうはどうなってるかさっぱりわからないのですが，私の小遣いは全部まとめて，とある銀行に預けています．しかし，利息はなきに等しいです．マイナスにならないだけましでしょうか．普通金利0.001%の場合，100万円で一年に10円の利息が付きます（しかもそのうち2円は税として持って行かれます^^; ）．<\/p>\n

さて，職場の近くにファミリーマートがあるので，Tポイントカードを主に使っていますが，ポイントカードというものは，もともとはそんなに肯定的に捉えてはいませんでした． 100円買って1ポイントつくんだったら2円以上安いところで買った方が得です．<\/p>\n

現実的には，いつも利用する店と言うのはどうしても決まってしまっていて，例えば職場のおやつは，そのファミリーマートで買っていますが、そこより安い店は，いくらでもあると思います．しかし，昼休みや，ちょっとした合間には，安いと解っていても遠くのスーパーまでいちいち買いに行く訳にはいきません．<\/p>\n

そうした，買う店が決まっているという状況下で100円買うと1円相当のポイントが付くと言うのは，預金金利なんかに比べるとはるかに大きな利得と捉えることができます．というか，最近そう考えるようになってきました．<\/p>\n

現在，いろんなクレジットカードで，Apple Payに登録して利用することで，ポイントを割り増ししてくれるキャンペーンをやってます．うまく利用して，何億円もの貯金の利息よりも多く稼ぎたいと思います（億単位の預金だと，預金金利が相当優遇されるらしいですが^^; ）．まあ，キャンペーンはせいぜい３か月間ですけど^^;<\/p>\n","protected":false},"excerpt":{"rendered":"

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