Publish the household account book for September
Savings are shown at the end of the video!
Good evening! This is Moko 🙋🏻♀️
I closed my account book in September ✍️
[Details of my living expenses]
Fixed Costs
· Housing loan 81,000 yen
· Car insurance 4,680 yen
· Life insurance 9,989 yen
・ Husband's pocket money 30,000 yen
· Electricity fee 12,095 yen
· Water bill 9,751 yen
· 2 smartphones 6,265 yen
· Wi-Fi 5,170 yen
· NHK 0 yen (for bi-monthly billing)
・ Subscription 1,298 yen
· Learning 19,180 yen
Total: 174,988 Yen
▼ Variable Costs
· Food expenses 45,430 yen
· Eating out fee 8,320 yen
· Gasoline fee 11,000 yen
· Child expenses 10,300 yen
・ Daily necessities 3,000 yen
・ Other 17,000 yen
· Rakuten 10,000 yen
Total variable costs: 105,050 yen
Breakdown of Savings
・ Child savings 50,000 yen
・ Defined contribution pension 5,000 yen
・ Tsumitate NISA 30,000 yen
· Celebration gift savings 3,000 yen
· Vehicle inspection reserve 6,000 yen
· Car fee reserve 121,000 yen
・ Home appliance reserve 5,000 yen
・ Overseas travel reserve 63,000 yen
Total savings: 283,000 yen
Household Management in September
How was it??
Let me know in the comments 🩷🩷
I will post again!
─ ─ ─ ─ ─ ─ ─ ─ ─ ─ ─ ─ ─ ─ ─ ─ ─ ─ ─ ─ ─ ─ ─ ─ ─ ─ ─ ─ ─ ─ ─ ─ ─ ─ ─ ─ ─ ─ ─ ─ ─ ─ ─ ─ ─ ─ ─ ─ ─ ─ ─ ─ ─ ─ ─ ─ ─ ─ ─ ─ ─ ─ ─ ─ ─ ─ ─ ─ ─ ─ ─ ─ ─
\ Life was improved by life plan and household management /
The Secret That Even Ordinary Housewives Saved 10 Million Yen ㊙️
▼ household management while saving fun without overdoing 🍃
▼ Meal expenses 50,000 a month → 20,000 savings technique · Vegetable plenty of saving rice 🍴
- Yeah.
Stories in updating the household management techniques to save 10 million 🤫
- Yeah.
30 s couple + 2 boys (7 y 👦🏻 1 y 👶)
I would be happy if you could get along 🕊
@ mocolife _ moco
─ ─ ─ ─ ─ ─ ─ ─ ─ ─ ─ ─ ─ ─ ─ ─ ─ ─ ─ ─ ─ ─ ─ ─ ─ ─ ─ ─ ─ ─ ─ ─ ─ ─ ─ ─ ─ ─ ─ ─ ─ ─ ─ ─ ─ ─ ─ ─ ─ ─ ─ ─ ─ ─ ─ ─ ─ ─ ─ ─ ─ ─ ─ ─ ─ ─ ─ ─ ─ ─ ─ ─ ─
30代の夫婦で家計管理をするとき、共通口座の使い方や支出割合をどうするか悩むことも多いですよね。私たちも夫婦の収入からどのくらいずつ共通の口座に入れるか話し合いながら調整しています。例えば、住宅ローンや固定費は共通負担ですが、お小遣いや個別の趣味には個人財布も活用。 また、積立NISAは夫婦でまとめて管理する方も多いですが、我が家はそれぞれに分けて積み立てているため、税制メリットを最大限活用できています。これから始める人は、家計の収支を把握した上で無理のない積立設定がおすすめ。 家賃補助の二重取りや薄価残高方式など、複雑な資産管理テクニックも少しずつ勉強中です。家計簿診断を活用すると、支出の無駄や改善点が見つかりやすいので、30代の方に特におすすめです。 私の場合は、生活費の内訳を細かく分けることで家計の流れが見えやすくなり、貯蓄目標の達成にもつながりました。9月の家計簿では子ども貯金・車検積立・海外旅行積立など目的別にしっかり貯められたので、気持ち的にも余裕が生まれました。 皆さんの家計管理の方法や節約テクニックもぜひシェアしてください!お互いに学び合いながら上手にお金を貯めていきましょう。


























































