固定費

• 読み: こていひ
• ローマ字: koteihi
• 漢字の分解: 固定 (fixed; 固 = solid + 定 = fixed) + 費 (expense, cost) → fixed expenses
• 発音: /ko.te.i.çi/

意味

Fixed monthly expenses that stay the same regardless of usage — rent, insurance, subscriptions, and phone bills.

固定費 has become a buzzword in Japanese personal finance culture, especially on YouTube and social media. Financial influencers constantly preach 'まずは固定費を見直そう' (first, review your fixed expenses) as the foundation of money management. Common targets include switching to cheaper mobile plans (格安SIM), canceling unused subscriptions, and renegotiating insurance. Reducing 固定費 is seen as the smartest first step because the savings compound automatically every month.

例文

1. 固定費見直したら月2万円も浮いてびっくりした。
2. サブスク多すぎて固定費がえらいことになってるの気づいた。
3. 固定費を下げるのが節約の基本ってYouTubeで見て、早速格安SIMに変えた。

使い方ガイド

場面: financial planning, social media, YouTube, daily conversation

トーン: practical, advisory

正しい言い方

• 固定費の削減が一番効果あるよ。 (Cutting fixed expenses has the biggest impact.)
• 固定費って意外と無駄なもの多いよね。 (There are surprisingly many wasteful things in fixed expenses.)

避ける言い方

• 「固定費削れないの？」と生活に余裕がない人に言うのはデリカシーに欠ける (Asking 'Can't you cut your fixed costs?' to someone already struggling financially is insensitive)

よくある間違い

• Confusing 固定費 with 変動費 — 固定費 are predictable monthly amounts (rent, subscriptions), while 変動費 fluctuate (food, entertainment)

起源と歴史

From 固定 (fixed/constant) + 費 (expense/cost). Originally an accounting term, it entered mainstream personal finance vocabulary in the 2010s through financial literacy content on YouTube and blogs.

文化的背景

時代: Accounting term, mainstream personal finance usage from 2010s

世代: 20s-40s, financial literacy enthusiasts

社会的背景: Universal

地域メモ: Used across all of Japan. Major personal finance YouTubers like 両学長 (Ryōgakuchō) have popularized 固定費見直し as a core financial strategy.