手取り20万円の実家暮らし郵便配達員｜1ヶ月のリアルな支出内訳
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こんにちは、地方で郵便配達員をしているもうすぐ40代男です。
現在、年収420万円・手取り約20万円・実家暮らし・貯金60万円という状態から、資産形成に挑戦しています。
今回は、自分の現状をしっかり見つめ直すためにも、**1ヶ月の家計簿（2025年4月）**を公開します。
「郵便配達員のリアルな生活費ってどのくらい？」という方の参考になればうれしいです。
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■ 僕の基本スペック（再掲）
• 年収：約420万円
• 手取り：20万円前後
• 貯金：60万円（今後増やしたい）
• 実家暮らし（親に少額仕送り）
• タバコ・酒・ギャンブルなし
• 趣味：バドミントン、スイーツ（かき氷・ソフトクリーム）
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■ 1ヶ月の支出内訳（2025年4月）
家に入れるお金 30,000円
駐車場代 5,000円
ガソリン代 2,000円
食費（昼食等） 20,000円
通信費（スマホ、光） 8,000円
サプリ、プロテインなど 12,000円
カイロプラクティック 10,000円
趣味バドミントン 4,000円
投資（NISA） 50,000円
雑費・交際費 30,000円
合計 171,000円
令和7年4月分の給与明細です。
■ 収支のまとめ
• 月の手取り：212661円
• 支出合計 ：171,000円
• 残りは今後の特別出費や予備費、少額貯金に回します。
残りを貯金．．． 41,661円
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■ 感想と課題
実家暮らしの強みで「家賃・光熱費」がかからないぶん、NISAに5万円投資したり、貯金40,000円を確保したりはできています。
食費に関しても、朝ごはん、夜ご飯も実家に甘えています。汗
ただ、まだまだ「無駄遣いゼロ」とは言えません。
交際費に関しては、その月によって変動が大きいです。
通勤でバイクを使用している為、ガソリン代がかからないのが救いです。
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今現在は、車のローンやバイクのローンの返済がないですが、
いずれは、車やバイクの買い替えも控えていることを考えると
投資だけでなく、現金の貯金を増やしていかなくてはと考えてきます。
■ 今後の目標
• 毎月の貯金：3万円にアップ（安定的に）
• NISA積立：5万円（現状維持）
• 収入アップ：副業ブログの収益化を目指す
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参考までに．．．
令和6年4月分の給与明細です。
春闘のおかげもあり、着実に給与が増えていることに感謝です。
見ての通り、地方の郵便配達は残業がほとんど無く、趣味に時間を使えます。
ですが、給与が見ての通りです。汗
■ 最後に
「給料少ないし、どうせ無理」と思っていた自分ですが、収入が少なくても“黒字体質”にはなれると分かってきました。
同じような状況の方、いっしょに小さな一歩を積み重ねていきましょう！
💡 毎月の給料からNISAで積立投資をしています。運用成績はこちら→ [【新NISA収益公開】郵便局員が楽天証券でオルカン積立1年7ヶ月の成績]
👉 新NISA運用成績はこちら
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