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こう｜中立なお金の先生

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If you want to increase your take-home without increasing your working hours, this is it!

That's pretty much how things are in the world, but it's becoming more profitable for people you know.

Let's first acquire knowledge together so that the difference in knowledge does not become the difference in economy 💪

Profit and loss money literacy Studying money. Knowledge of money # take _ home How to increase your money

2025/9/15 Edited to

私も実際に働く時間を増やさずに手取りを増やす方法を試してみた経験があります。例えば、医療費控除は1年間に支払った医療費が一定額を超えた場合に所得控除が受けられるのですが、意外と対象になる費用が幅広く、治療目的のマッサージ代や通院費用も含まれるため、知らなかった請求を集めて申請したことで数万円の還付を受けたことがあります。また、生命保険料控除も見落としがちですが、自分や家族の保険内容を整理しておくと所得税や住民税の負担が減り、手取りアップに繋がります。扶養控除の見直しも重要で、例えば子どもを年収が高い方の扶養に入れることで税金がより軽減されることがあります。育児休業中の配偶者控除の活用も徹底すれば最大38万円の所得控除が受けられ、これは働く時間を減らしても手取りを維持できる大きなメリットです。さらに、特に効果を実感したのはふるさと納税とiDeCoの利用です。ふるさと納税は税金の前払いにより、地方の特産品などの返礼品を受け取れるとともに食費等の節約になります。iDeCoは掛金が全額所得控除になるため、毎月コツコツ積み立てつつ税負担を減らせるため、将来の備えと節税が同時に実現できました。社会保険料の見直しも重要で、3月～5月の残業時間を調整して報酬月額の見直しをすることで、無駄な保険料の支払を減らし、手取り増につなげることも可能です。こうした制度は一見複雑ですが、少しずつ理解して活用するだけで着実に家計にプラスになるのを感じました。このように、知識を持って賢く制度を活用すれば、無理に働く時間を増やさなくても手取りが増やせます。皆さんもぜひこの記事を参考に、ご自身に合った方法を見つけてみてください！

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HOW I ADD WEIGHT WITHOUT INJURIES

To carefully add weight over the course of 3 weeks, follow this progressive approach: Week 1: Intense Load with Reps Drop - Goal:Push your muscles to adapt to heavier weight while gradually increasing volume. - How to do it: - at the end of your usual 3 sets, for your forth set Increase t

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Want to Increase Your Milk Supply?🐮✨

Here’s how I’ve been increasing my milk supply! I’m one week postpartum still increasing daily so here’s some of my tips! #momsupportingmoms #pumpingmilk #breastpumping #breastfeedingmomma #newmomtips

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A woman in a white sports bra and grey sweatpants takes a mirror selfie in a gym. Overlay text reads "3 ways to kick start your SUMMER BODY GOALS," introducing the article's topic.

A person's legs and feet are shown on a path with yellow flowers. Text overlay "CREATE A DAILY STEP GOAL" explains increasing daily steps to 8-10k for body fat loss, with a phone screen showing a health app.

A bowl of raw meat and chopped carrots are on a wooden cutting board. Text overlay "FOCUS ON QUALITY OF FOOD OVER QUANTITY" advises eating higher quality, nutrient-dense foods to reduce inflammation and improve health.

3 EASY WAYS TO KICK START YOUR SUMMER BODY GOALS

Everyone wants to look and feel their best for summer, and many people tend to do extreme, last minute measures in an attempt to achieve a toned look in their bikinis for summer. The extreme diets, weight loss teas, extreme calorie restriction, the list goes on— Well, I’m here to give you 3 EASY

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How I am trying to increase my milk supply📈

I am officially 8 weeks postpartum which means my milk supply is starting of regulate down to producing what my baby is removing and not producing more than that. With that, I am at the point that I want to slowly try to bring up my supply a little more as it gets a little trickier as time goes on.

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Natural ways to increase happy hormones

Implement daily practices to naturally increase happy hormones💕💕💘 #hormones #hormonehealing #thatgirkaesthetic #summerbod #embracevulnerability #healthylifestyle2024 #unfiltered #hormonesupport #bodytransformation #Lemon8Diary

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A person's feet in sneakers are visible on a gym floor next to a piece of gym equipment, a pink water bottle, and a light blue towel. The overlay text reads: "Gym Girl Advice How to Get Back into the Gym Grind After Taking a Break Sickness | Injury | Lost Motivation."

A list of five tips on how to get back into a fitness routine: Plan Ahead, Ease Back In, Set a Goal, Try Something New, and Invite a Buddy. Each tip has a corresponding icon.

Text outlining workout alternatives for injury recovery for Squats, Deadlifts, and Bench Press, including explanations for each. Emojis of a peach and a person lifting weights are present.

How to Get Back into the Gym Grind

I totally understand how challenging it can be when you hit a roadblock with your workouts. Whether it's due to illness, injury, or just a lack of motivation, getting back into the groove can feel like a real uphill battle. It's okay to feel a bit uninspired at first, even after a week

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