Means should be used effectively by all.
KEN:And,Payday" (*3)I would also like to talk about , but you have used it, right, Shirakawa-kun?
Shirakawa:I used it just last month. A friend invited me to a trip to Kyoto, and I took the bus to Kyoto and a hotel, but my credit card was not enough to pay for the return bus fare. When I had no choice but to walk, I looked into it and found that the bus company had a "Payday" service that allowed me to pay later. I was able to secure enough money for the return trip on the night bus and was able to go on the trip. Students are always strapped for cash, aren't they?I also want to buy clothes (*4), ,I also want to play (*5). I thought it might be a convenient choice for those times when you want to do something different.
KEN:Is it that easy to use?
Shirakawa:You don't need to register a credit card, and all you need is a smartphone, a phone number, and an email address. . You just pay at a convenience store the next month, and you're done.
*3: "BNPL (Buy Now Pay Later)", a payment service for later payment.
*4: When "Payday" and "Z Research Institute" surveyed new adults on the items they want now, fashion items ranked first with 48.71 TP10T. This was followed by skin and body care products at 33.51 TP10T and cosmetic items at 32.91 TP10T, indicating that both men and women are highly interested in their appearance.
*5: When asked about places they would like to visit now in the "Payday" and "Z Research Institute" surveys of new adults, theme parks, such as "Disney Resort" and "Universal Studios Japan," were overwhelmingly the most popular responses. A number of things that were difficult to realize due to the Corona disaster, such as trips to hot springs and sightseeing spots, also rose.
KEN:Maybe I have used "payee" for international shopping too . I don't have a credit card company that accepts it, so I had to use this card when it was not available. I remember it was very convenient.
Shirakawa:They say you can use it at Amazon, Qoo10, etc. , and anywhere else that is a Visa online merchant.
Ishii:I have a credit card, but there are times when I don't have the money in my account, and I have trouble later. . In such cases, if I have "Payday", I can pay my bills systematically.
KEN:. it might be a good choice if you plan to use it. . if you don't have enough money at the moment, or if you want to get something more expensive in a short span of time.
Shirakawa:I work with Adobe and such, but my computer was heavy , so I bought a Mac recently.When you buy Apple products at the Apple Store, you can pay 24 or 36 times (*6).. If you were doing music, wouldn't you use it for equipment and such?
Zukiko:Yes, there are some things I would like to do there. I bought an iPhone at an Apple Store, but I mistakenly bought it in one lump sum... . . If I had known about "payday" at that time, I wonder if my life would have been different (laughs).
All:(Laughter).
*6: Available by applying for "Payday After Payment Plan Apple Exclusive" from the "Payday" application. By making an account transfer or bank transfer, the installment fee is also reduced to 0%.
Zukiko:He paid slowly and could have done something else.
Ishii:I'm also using a Macbook right now, a 2013 model, super thick, the last model with the CD and DVD drive built in from the original. It's already too heavy, and I'm thinking about getting a Macbook.
Shirakawa:I have to pay, but because everyone is doing it because they have a dream, I feel that I am getting closer to my dream by paying. This is what motivates us.
Ishii:Self-investment-like (*7).
Zukiko:When I want to do something, the big money makes my guard hesitate, and I say, "Wow, I'll take a break here! I'll take a break here! But it's easier to do when you think that you don't have to hesitate anymore.
KEN:Payday" won't go through a settlement that the person will never be able to afford the payment, right? If I wanted to start something on the straight and narrow, I would have to save up and buy a Mac, and then buy this equipment, but I would have to save up for 5 months. There is a psychological analysis that says that what people want to do fades away after three days, so I thought it would be a waste to work part-time for five months. I thought it would be good to have a part-time job, but I thought it would be good to have a plan to work part-time while doing what I want to do, and pay for it over time instead. In the past, people would want turntables, but buying a DJ set with a mixer would cost about 150,000 yen, so they would have to desperately work part-time for about two months to afford it. Nowadays, you can buy a DJ set and work part-time while practicing. It doesn't mean that you can buy a DJ set without working part-time, but when you want to do something, it's not good to planlessly, but it's also not good to waste your time.
Ishii:Can I see how much you paid?
Shirakawa:I can check my statement immediately. I have the "Payday" app installed and use it to view my statements. When you are young, there are many things you can't do because of money, but with "Payday" you don't have that excuse anymore, and you have more options.
*7: According to the survey of new adults conducted by Payday and Z Research Institute, many people are investing themselves from the present toward the future, and 80.81 TP10T of them said that it is connected to what they want to achieve in the future. In addition, 68.31 TP10T of them are willing to invest any amount of money if it leads to what they want to achieve in the future.
The "Payday" application is packed with features that make it more convenient to use, such as instant access to your statements and a free upgrade to "Payday Plus" to set a maximum monthly amount.
Zukiko:You won't be able to say that you can't start because of money , or any other excuse.
KEN:It's good to have more options , but it's also very demanding.
Ishii:I am a cash person, but if I pay with "payday", I can immediately calculate how much I have spent in a month.
Shirakawa:Like for March 2022, I can see it all at once in the app. I think it's so convenient.
KEN:I think it's good to spend wisely. Some people make the same amount of money every month, while others work hard at a part-time job this month and do what they want to do this month. The way you work is essentially your own time . . It's a good idea to make good use of it and plan your plans. I hope you enjoyed our conversation today.
Zukiko:I don't get to talk with creative people of my generation very often, and I don't get a chance to talk with people of Kenza's generation like this, so it was very interesting and informative.
Shirakawa:I usually don't talk to people in the music or fashion industry, so it was stimulating to hear from people in different fields, and it was a good opportunity for me to think about how I need to work harder, and I will start working hard again today.
Ishii:I have never had the opportunity to hear stories of people who have made their dreams come true, so when I heard Kenza-san's enthusiasm, like the fact that he paid for his own ticket when he was young, I knew that I had to have that kind of enthusiasm or I would be crushed. I am glad I was able to learn about that kind of passion.
KEN:I also started appearing on TV in Freestyle Dungeon and other shows, but when I look back, there are some terrible stories about paying a quota to perform live when the show didn't sell, or when the show was not recognized by the majors, but at that moment, I didn't think it was hard at all. Normally, it might not be fun, but I wanted it all, so even though I was paying my quota, it was totally enjoyable. I paid the quota because the joy of performing live was many times higher than paying the quota. Five or ten years from now, people will probably look at this and say, "We couldn't do anything back then," or "We had no money and sold only three T-shirts" (laughs), but in 2022, it will be fun in its own way.
All:(Laughter).
Ishii:. I'm having too much fun every day now. . I can't help but smile when I think about tomorrow or next month.
KEN:From the outside, it may sound pretty miserable that we only sold a couple of T-shirts after the pop-up (laughs). . But it doesn't bother me, and the fact that I'm finding more joy in what I'm doing is a relief. This time it is a "payday" project, but shopping and money are definitely a part of what I do when I want to do something. You have to plan for your own investments. It would be good if you could plan properly and invest in what you need. Wearing good clothes may be necessary for making clothes. However, it is not good to do so in a haphazard manner. Nowadays, we can do it efficiently, so if we can do it with proper calculation, we may get closer to the ideal of our dream. I hope we can all make effective use of the means we have at our disposal. I'm glad I listened to you, I felt like I had to do it right. Thank you very much .
