ドル建保険の闇からの脱却
時は遡ること数年前、ドル建の保険に加入しました。
当時は比較的為替市場は安定していたため、生活を圧迫することもなく平穏に暮らせていました。
しかし、昨今の為替市場の不安定さは目に余るものがあり、支払金額上昇に伴い生活は困窮しながらもなんとか支払いを継続している状況にあります。
そんなとき、ただ単に口座から保険料が引かれていくのを見ているだけでいいのだろうかと・・・ふと思うようになりました。
「自身がどれだけ損をしているのか、得をしているのか」や「どれだけ為替が変動しているか」などを知ることができれば、"なんとなく高くなった"を明確に（意識）することができ、自身の生活スタイルの変革に繋げられるのではないかと思い立ち、開発に取り組みました。
開発
利用技術
・Railway
PaaSサービスを提供。
利用方法は以下を参照。
Railwayのはじめ方
・Node-RED
ハードウェアデバイス。APIおよびオンラインサービスを接続するためのツール。
Node-REDの利用イメージは以下を参照。
超初心者向けのNode-RED基本のき
JavaScriptの記述方法は以下を参照。
JavaScript入門
functionノードにおける変数の有効範囲は以下を参照。
Node-RED で遊んでみる第三歩: function ノードにおける変数の有効範囲
・LINE Messaging API
LINE公式アカウントの作成方法、Messaging APIの設定方法は以下を参照。
Line Messaging APIで簡単Line Bot作成（超初心者向け） - Qiita
※記載のAWSサービスは本記事では使用していないものになります。
・exchangeratesapi
為替情報を取得できるAPI。
APIキー取得は以下を参照。
Exchange Rates Data API
システム構成図
Node-RED フロー図
開発ソース
JSON
[{"id":"acfd90dbe4bd3027","type":"tab","label":"フロー 8","disabled":false,"info":"","env":[]},{"id":"26da9099bcddb1f2","type":"Webhook","z":"acfd90dbe4bd3027","name":"","url":"/webhook","x":100,"y":80,"wires":[["460d74ae8b383b40"]]},{"id":"344eabeed3638bbe","type":"http request","z":"acfd90dbe4bd3027","name":"","method":"GET","ret":"obj","paytoqs":"ignore","url":"","tls":"","persist":false,"proxy":"","insecureHTTPParser":false,"authType":"","senderr":false,"headers":[],"x":210,"y":200,"wires":[["74057fd75ac48741","6c3cb941de31be40"]]},{"id":"460d74ae8b383b40","type":"function","z":"acfd90dbe4bd3027","name":"function 4","func":"var yyyymmdd = msg.payload;\nvar preyyyy = 0;\nvar premm = 0;\nvar predd = 0;\nvar money = 0;\nvar preyyyymmdd = \"\"\nvar query = \"\"\nvar prequery = \"\"\nvar apikey = \"***APIKey***\"\n\nmoney = Number(msg.payload.substr(9));\n\npreyyyy = Number(yyyymmdd.substring(4,0));\npremm = Number(yyyymmdd.substring(6, 4));\npredd = Number(yyyymmdd.substring(8, 6));\n\nif(premm === 1){\n premm = 12;\n preyyyy = preyyyy - 1;\n} else{\n premm = premm - 1;\n if (predd === 31){\n if (premm === 4 || premm === 6 || premm === 9 || premm === 11){\n predd = 30;\n }\n }\n if(predd === 29 || predd === 30 || predd === 31){\n if(premm === 2){\n predd = 28;\n }\n }\n}\n\nyyyymmdd = yyyymmdd.substring(4, 0) + \"-\" + yyyymmdd.substring(6, 4) + \"-\" + yyyymmdd.substring(8, 6);\n\nif(premm >= 1 && premm <10){\n preyyyymmdd = preyyyy + \"-0\" + premm;\n}else{\n preyyyymmdd = preyyyy + \"-\" + premm;\n}\n\nif (predd >= 1 && predd < 10) {\n preyyyymmdd = preyyyymmdd + \"-0\" + predd;\n} else {\n preyyyymmdd = preyyyymmdd + \"-\" + predd;\n}\n\nquery = \"https://api.apilayer.com/exchangerates_data/\" + yyyymmdd + \"?apikey=\" + apikey + \"&symbols=JPY&base=USD\"\nprequery = \"https://api.apilayer.com/exchangerates_data/\" + preyyyymmdd + \"?apikey=\" + apikey + \"&symbols=JPY&base=USD\"\n\nmsg.temp = {\n ymd: yyyymmdd,\n preymd: preyyyymmdd,\n okane: money,\n q: query,\n preq: prequery\n}\n\nreturn msg;\n","outputs":1,"noerr":0,"initialize":"","finalize":"","libs":[],"x":300,"y":80,"wires":[["5f6399ebd58495cb","0ed90f2ccf40a746"]]},{"id":"5f6399ebd58495cb","type":"change","z":"acfd90dbe4bd3027","name":"","rules":[{"t":"set","p":"url","pt":"msg","to":"temp.q","tot":"msg"}],"action":"","property":"","from":"","to":"","reg":false,"x":490,"y":80,"wires":[["344eabeed3638bbe","bceb98a0c2f09487"]]},{"id":"bceb98a0c2f09487","type":"debug","z":"acfd90dbe4bd3027","name":"debug 7","active":true,"tosidebar":true,"console":false,"tostatus":false,"complete":"url","targetType":"msg","statusVal":"","statusType":"auto","x":660,"y":40,"wires":[]},{"id":"74057fd75ac48741","type":"debug","z":"acfd90dbe4bd3027","name":"debug 8","active":true,"tosidebar":true,"console":false,"tostatus":false,"complete":"payload","targetType":"msg","statusVal":"","statusType":"auto","x":400,"y":160,"wires":[]},{"id":"6c3cb941de31be40","type":"function","z":"acfd90dbe4bd3027","name":"function 6","func":"var rate = 0;\nvar enntenn = 0;\n\nrate = msg.payload.rates.JPY;\nenntenn = rate * msg.temp.okane;\n\nmsg.ans1 = {\n ansenntenn: enntenn,\n r: rate,\n m: msg.temp.okane\n}\n\nreturn msg;","outputs":1,"noerr":0,"initialize":"","finalize":"","libs":[],"x":400,"y":200,"wires":[["4e339ad4bc42221b","faf5d490aa3bf06f"]]},{"id":"4e339ad4bc42221b","type":"debug","z":"acfd90dbe4bd3027","name":"debug 9","active":true,"tosidebar":true,"console":false,"tostatus":false,"complete":"ans1","targetType":"msg","statusVal":"","statusType":"auto","x":580,"y":160,"wires":[]},{"id":"0ed90f2ccf40a746","type":"debug","z":"acfd90dbe4bd3027","name":"debug 10","active":true,"tosidebar":true,"console":false,"tostatus":false,"complete":"temp","targetType":"msg","statusVal":"","statusType":"auto","x":480,"y":40,"wires":[]},{"id":"faf5d490aa3bf06f","type":"change","z":"acfd90dbe4bd3027","name":"","rules":[{"t":"set","p":"url","pt":"msg","to":"temp.preq","tot":"msg"}],"action":"","property":"","from":"","to":"","reg":false,"x":590,"y":200,"wires":[["b3e5415d1a016397","8f6cea9f2d1a8766"]]},{"id":"b3e5415d1a016397","type":"debug","z":"acfd90dbe4bd3027","name":"debug 11","active":true,"tosidebar":true,"console":false,"tostatus":false,"complete":"url","targetType":"msg","statusVal":"","statusType":"auto","x":760,"y":160,"wires":[]},{"id":"8f6cea9f2d1a8766","type":"http request","z":"acfd90dbe4bd3027","name":"","method":"GET","ret":"obj","paytoqs":"ignore","url":"","tls":"","persist":false,"proxy":"","insecureHTTPParser":false,"authType":"","senderr":false,"headers":[],"x":210,"y":300,"wires":[["7febde5bc23c5c4c"]]},{"id":"7febde5bc23c5c4c","type":"function","z":"acfd90dbe4bd3027","name":"function 7","func":"var prerate = 0;\nvar preenntenn = 0;\n\nprerate = msg.payload.rates.JPY;\npreenntenn = prerate * msg.temp.okane;\n\nmsg.ans2 = {\n preansenntenn: preenntenn,\n prer: prerate,\n m: msg.temp.okane\n}\n\nreturn msg;","outputs":1,"noerr":0,"initialize":"","finalize":"","libs":[],"x":400,"y":300,"wires":[["b05e91cb7fbd39e5","177eca94c6c34025"]]},{"id":"b05e91cb7fbd39e5","type":"debug","z":"acfd90dbe4bd3027","name":"debug 12","active":true,"tosidebar":true,"console":false,"tostatus":false,"complete":"ans2","targetType":"msg","statusVal":"","statusType":"auto","x":580,"y":260,"wires":[]},{"id":"177eca94c6c34025","type":"function","z":"acfd90dbe4bd3027","name":"function 8","func":"var strmsg = \"\"\nvar diff = 0;\n\nstrmsg = \"【基準日レート(USD)】\\r\\n \" + msg.ans1.r + \"\\r\\n\"\nstrmsg = strmsg + \"【円転金額】\\r\\n \" + msg.ans1.ansenntenn + \" 円\\r\\n\"\nstrmsg = strmsg + \"【1ヶ月前のレート(USD)】\\r\\n \" + msg.ans2.prer + \"\\r\\n\"\n\ndiff = msg.ans1.ansenntenn - msg.ans2.preansenntenn;\n\nif(diff >= 0){\n strmsg = strmsg + \"先月より \" + diff + \" 円支払いが多くなります！\"\n}else{\n diff = diff * -1 ;\n strmsg = strmsg + \"先月より \" + diff + \" 円支払いが少なくなります！\"\n}\n\nmsg.payload = strmsg;\n\nreturn msg;","outputs":1,"noerr":0,"initialize":"","finalize":"","libs":[],"x":200,"y":400,"wires":[["1e98a2203814b6f4","59d8a42f3729350b"]]},{"id":"1e98a2203814b6f4","type":"debug","z":"acfd90dbe4bd3027","name":"debug 13","active":true,"tosidebar":true,"console":false,"tostatus":false,"complete":"payload","targetType":"msg","statusVal":"","statusType":"auto","x":400,"y":360,"wires":[]},{"id":"59d8a42f3729350b","type":"ReplyMessage","z":"acfd90dbe4bd3027","name":"","replyMessage":"","credentials":{},"x":420,"y":400,"wires":[]}]
『USD⇒JPY』 LINE Bot実行
実行画面
取得データからわかること
毎月350ドルの支払いだった場合、為替レートは約30円も円安となり、支払金額は約1万円も多くなっていることに気付かされる結果となりました。
| 基準日 | 為替レート（米ドル／円） | 支払金額（円貨） |
|---|---|---|
| 2021/01/07 | 103.795032 | 36328.2612 円 |
| 2023/01/07 | 132.08504 | 46229.7639 円 |
直近月を基準に年単位でも確認してみましょう。
| 基準月 | 為替レート（米ドル／円） | 支払金額（円貨） |
|---|---|---|
| 2021/05 | 108.6 | 35838 |
| 2021/06 | 109.52 | 36141.6 |
| 2021/07 | 111.03 | 36639.9 |
| 2021/08 | 110.23 | 36375.9 |
| 2021/09 | 109.71 | 36204.3 |
| 2021/10 | 111.08 | 36656.4 |
| 2021/11 | 113.39 | 37418.7 |
| 2021/12 | 112.79 | 37220.7 |
| 2022/01 | 115.58 | 38141.4 |
| 2022/02 | 115.2 | 38016 |
| 2022/03 | 114.82 | 37890.6 |
| 2022/04 | 122.56 | 40444.8 |
| 2022/05 | 130.55 | 43081.5 |
| 2022/06 | 130.83 | 43173.9 |
| 2022/07 | 135.25 | 44632.5 |
| 2022/08 | 134.98 | 44543.4 |
| 2022/09 | 140.23 | 46275.9 |
| 2022/10 | 145.38 | 47975.4 |
| 2022/11 | 146.67 | 48401.1 |
| 2022/12 | 134.32 | 44325.6 |
| 2023/01 | 132.09 | 43589.7 |
| 2023/02 | 131.13 | 43272.9 |
| 2023/03 | 135.85 | 44830.5 |
| 2023/04 | 132.18 | 43619.4 |
直近２年間の年間差額は約9万円となり、家計を圧迫する大きな要因になっていることがわかりました。
| 集計期間 | 合計金額（円貨） |
|---|---|
| 2021/05～2022/04 | 446988.3 |
| 2022/05～2023/04 | 537721.8 |
| 差額 | 90733.5 |
為替レートの推移を見てわかるように、2022年4月付近からの円高傾向は以前の水準からは離れたところにあります。
生活スタイルの変革
さて、家計がどれだけ圧迫されているかがわかったところで、どう生活スタイルを変革させるか！
以下２点取り組んでいこうと思います。
・スマートフォンアプリの課金をしない
・外食頻度を減らす
皆さまの応援をお待ちしております。