‘스튜핏’한 소비를 ‘그뤠잇’한 소비로! 애쓰지 않아도 쉽게 바꾸는 9단계 팁

‘왜 돈은 매번 내 통장을 스쳐가는거야?’라는 의문과 함께 늘 돈에 대한 심한 불안에 시달리는 분들에게 저의 경험을 들려드리고 싶습니다. 한 때 저도 사치도 하지 않고 별로 돈 쓴 기억도 없는데도 늘 돈이 부족하게 느껴졌는데요. 몇 가지 방법을 사용해서 비로소 돈에 대한 불안에서 벗어날 수 있었습니다.

무엇보다 억지로 돈을 아끼거나 돈을 많이 벌려고 애쓰지 않아도 줄었다는 것이 포인트인데요. 스스로 물욕을 조절할 수 있게 되어서 생활비가 절반으로 줄었기 때문입니다. 그 결과 삶에서 필요한 것이 생각보다 많지 않다는 것을 알게 되자 돈에 대한 불안이 줄여서 회사를 관두고 진짜 하고 싶은 일에 용기내 도전할 수 있었습니다.

돈 때문에 아등바등하고 생계 때문에 억지로 일하고 있다면 다음 방법을 실천해보길 적극 추천합니다. 돈의 불안에서 벗어나면 누구라도 하고 싶지만 미루어놓았던 것들에 도전할 수 있습니다. 자세한 방법은 신간 <가장 단순한 것의 힘 – 인생을 바꾸는 미니멀워크>의 2장 <돈이 새지 않는다>와 3장 <일상이 가벼워진다> 에서 보실 수 있습니다.

 

1.불필요한 물건을 줄인다

불필요한 물건을 줄이면서 늘 ‘이것이 나에게 반드시 필요하고 나를 진정 행복하게 해주는가? ‘그렇지 않은가?’ 를 반복해서 물었습니다. 자연스럽게 소비할 때도 비슷한 질문을 던지는 습관이 생겨서 충동구매가 줄었습니다.
 

2. 돈에 관련된 물건을 줄인다

신용카드는 체크카드로 바꾸고 포인트카드, 통장, 쿠폰은 한 두개만 남기면 재정 환경이 단일화되어서 가계부를 쓰지 않아도 수입과 지출 파악이 쉬워졌습니다. 그 결과 소비 욕구를 더욱 잘 조절할 수 있어서 지출이 줄었습니다.
 

3. 지난 3개월의 지출을 점검한다

지난 3개월의 카드와 통장 내역을 뽑아서 ‘반드시 필요하지 않은 돈’에 동그라미 쳤습니다. 구독, 앱 서비스 등 정기적으로 빠져나가는 돈은 자동이체를 끊고 중복 보험도 정리하고, 지난 무분별한 소비를 눈으로 직접 확인했습니다.
 

4. 할부를 없앤다

할부는 처음엔 부담을 덜어주지만 결국 갚아야 할 빚이라서 그후로 오랫동안 돈에 대한 압박에 시달리게 만듭니다. 휴대전화, 가전, 뷰티 서비스 등 모든 할부를 갚자 불안이 한층 줄었습니다.
 

5. 소비환경을 차단한다

휴대전화에서 쇼핑앱을 삭제하고, 마트 발길을 줄였습니다. 견물생심이라고 살 생각이 없던 물건이나 음식도 눈에 보이면 먹고 싶고 사고 싶어지기 때문입니다.
 

6. 물건을 판다

저는 불필요한 물건을 팔아서 200만원 가까이 벌었습니다. 살 때의 가격이라면 적어도 600만원은 넘었겠지요. 집에 있는 물건이 다 돈입니다. 어리석은 소비를 인지하면 예전처럼 막 사들이지 않게 됩니다.
 

7.식탐을 줄인다

지출 중 상당수는 음식 소비입니다. 그러나 맛있는 음식은 잠깐은 행복하지만 지속적으로 마음의 갈증을 채워주진 않습니다. 재정은 바닥나고, 살은 찌고, 건강까지 나빠집니다. 식탐이 아니라 좋은 습관으로 힐링하는 습관을 들입니다.
 

8.작은 집에 만족한다

집 대출금 갚느라 일하고 사는 인생은 결코 행복할 수 없습니다. 저는 물건을 줄이자 집 크기가 상대적으로 넓어집니다. 저는 작은 집에서 만족하며 사는 방법을 알고 나서부터 돈에 대한 불안이 한층 줄었습니다.
 

9. 물건 대신 경험을 산다

괴로운 인생이 바뀌지 않고 반복되는 이유는 벌어들이는 돈 대부분을 소모적인 소비에 투자하고 있기 때문입니다. 저는 물건 대신 배움, 경험을 사면서부터 지금처럼 인생을 변화시킬 수 있었습니다.

 

+ 더 많은 정보는 웹사이트 <심플라이프> 가이드와 신간 <가장 단순한 것의 힘>을 참고하세요.

 

By | 2018-02-10T11:27:21+09:00 12월 19th, 2017|

About the Author:

심플리
'가장 단순한 것의 힘-인생을 바꾸는 미니멀워크' 저자 탁진현. 심플라이프 운영자. 7년차 미니멀리스트. 삶을 간소화하는 것은 개인, 가족 그리고 나아가 사회와 지구를 치유한다고 믿습니다. 집, 몸, 돈, 일, 관계, 마음 등 단순화에 대한 영감과 노하우를 제공합니다. 칼럼기고/강연강의/인터뷰 문의는 friend@simplelife.kr, 010-6662-9431 [운영자소개 클릭]

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