Is it really good? |人erence of people who save money

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Poi活 is "real discount" if you use it correctly.

However, if you spend more to store points, it will be waste rather than saving.

Important

• Consolidate payment of living expenses
• No more economic zones to use
• Prioritize spending over the reduction rate
• Don’t store points and manage them as they are used

It is a way of thinking.

People who are earned by POY are streamlining "as usual payment". Failed people are increasing their shopping because they have points attached.

In this article, we will organize the difference between people who save Poi and people who are easy to waste.

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The essence of poi activity is not to store a lot of points.

In essence, if you pay the same living expenses, it is necessary to make the payment as much as possible.

For example, if you pay 100,000 yen monthly, it will be 1,000 points per month and 12,000 points per year.

This is not bad.

However, if you shop for 5,000 yen which is not necessary for 10 times points, you can spend even if you get hundreds of points.

In other words, the first thing that you should look at in Poi livelihood is

Total enditure rather than return

である。

What is Poi

Poisai is an activity that efficiently stores points in daily payments and uses it for living and shopping.

Main targets are:

• Credit card
• QR Code Payment
• Electronic Money
• EC Site
• Mobile fee
• Bank / Securities Account
• Convenience store

、

Household management that takes non-cash reduction

である。

However, Poi is not an investment or a sub-業.

It is difficult to think that it is "optimizing how to pay".

Why Popular

It’s simple and popular.

It is because it gives a return to usual payment.

For example, the monthly fee is as follows:

If you pay this 100,000 yen by 1%, it will be 1,000 points per month and 12,000 points per year.

It is attractive that you can lower substantial enditure without changing your life.

Characteristics of the person to get

1. Only living expenses

Only theポイントenditure that has already been used is the target.

For example:

• Food
• Home
• Thermal Cost
• Contact Us
• Insurance
• サブスク

Others

Change only the payment method without increasing the支出enditure itself. This is the safest point of life.

2. Economic Zone

Poi活 is too wide to manage.

One to two of the services you use.

For example:

• Credit card
• QR Payment
• Banks
• Securities
• Home

The point is difficult to disperse when to the same economic zone.

However, there is no need to unify everything. It is enough to collect only the usual payment.

3. Quickly use points

Points are not cash.

There are many制度iry dates, and the value may decrease due to system changes.

The person who gets the points will not be saved and will turn them into daily necessities and fixed costs.

It is better to think that the point is a tool that reduces the next。enditure rather than an asset.

Characteristics of people who waste

1. Decide what to buy with point magnification

"Today is 10 times more points"

This idea is dangerous.

It is possible if the point magnification is high on the day you buy what you need, but the point magnification is high, so if you buy something that is unnecessary, it is the fall of the book.

Even with 10% reduction, if you use unwanted 10,000 yen, it is a waste of 9,000 yen.

2. More Apps

If you manage multiple point apps, payment apps, and coupon apps too much, time efficiency is worse.

I get tired when I search for apps every time for decades.

Poi livelihood is a way to make households easier.

If management is stressed, it is too much.

3. Revoke limited-time points

If you forget to use the limited time point, it will be zero.

In addition, if you buy something that is 、ry and unwanted before the expiration, the、enditure will increase.

Limited Time

• Home
• Food
• Mobile fee
• E-book
• Convenience store payment

It is better to rotate smoothly to reliably used.

Poi vitality is consolidation

The first thing that beginners should do is not a comparison of the return rate.

First of all, the payment is aggregated.

Collect payments

• Smartphone fee
• Electric Gas
• Water
• サブスク
• Insurance
• Home
• Home

You can earn points naturally by simplyまとめ them into one credit card or a common payment service.

It is easy to manage households byまとめ the payment destination.

It is useful for reviewing見直しend res because when, where and how much you used remains in history.

Common economic zones

Typical economic zones include:

• ten Group
• PayPay
• NTT Docomo
• au
• Sumitomo Mitsui Card and SBI Securities

What is the best?

What is important is that it fits with shops and services that you usually use instead of the high return rate.

For example, people who often use ten market can easily match ten economic zone. PayPay-enabled stores are easy to use. People who use docomo lines and d payments can easily get d points.

If you use the economic zone that does not match the line of live activities, only management will increase.

Recommended strategies for beginners

STEP1:Pay a card

First of all, it is from fixed cost.

• スマホ
• Home
• Gas
• サブスク
• Insurance

As fixed costs occur every month, you can save points automatically by changing the payment method.

STEP2: Squeeze QR payments into one

One QR payment is sufficient.

When multiple use is divided, points are distributed and management becomes complicated.

At first, you can choose something that is easy to use in your shop.

STEP3: How to use points

Points are more useful than storing them.

The recommended usage is as follows.

• Home
• Food Mobile fee
• Buying Investment Trusts
• E-book

Even if you use point investment, the price is up and down. It is not a risk because it is a point.

Common failures

In particular, I would like to pay theボ.

If you use a revo payment with point reduction or campaign, the fee will be much easier.

If you’d like to save in a positive way, you should carefully treat the payment method that charges.

Criteria

If you’re wondering if you’re going to be active, you’ll need to decide the following three:

1. Is there any enditure?

If you are spending more than before saving points, it is a failure as a positive activity.

2. Is it too long to manage?

If you use a big time for dozens of yen, it is too much.

3. How to use

If the point is not used, it is easy to lose and buy waste.

Poi activity is saved if you use it correctly.

However, if you spend more for point purposes, it will be waste rather than saving.

大事なのは、

• Consolidate payment of living expenses
• No more economic zones
• View the total amount of spend than the reduction rate
• Use points individually
• Avoid handling payments

Comment

In the beginning, it is enough to "supply the fixed cost into one card".

Poi live is not a thing to do, but a thing to release it as a mechanism.

It is the longest sense of distance.

Concept

“Poi活 can be lost or damaged.”

Text

Main: People who get by Poi

Sub: Differences between people who are wasteful

Color

Black × Yellow

Improve visibility with white letters.

構成

Point increase to the left, the person who gets in the center, the buyer to the right.