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節約大好き主婦moco🌿
節約大好き主婦moco🌿

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「結婚3年で1,000万貯蓄 年内にやるべきお金のこと」というタイトルが書かれた画像。木製の棚の上に、小さなサンタクロースのような人形とプレゼントの箱が置かれている。
「1 サブスク要否の確認」と書かれた画像。スマートフォンを持つ人の手が写っており、サブスクリプションの解約漏れがないか月末に確認することの重要性が説明されている。
「2 ふるさと納税」と書かれた画像。真空パックされた肉の塊を女性の手が持っており、ふるさと納税のワンストップ特例申請や確定申告について説明されている。
「3 総資産の確認」と書かれた画像。1万円札の束を握る手が写っており、年末に総資産を確認し、前年と比較して改善点や成長を振り返ることの重要性が説明されている。
「4 貯蓄率の確認」と書かれた画像。家計簿のようなスプレッドシートが写っており、収入に対する貯蓄率の計算方法と、理想の貯蓄率が手取りの20〜30%であることが説明されている。
「5 年間の振り返り」と書かれた画像。スマートフォンを持つ手が写っており、今年の目標達成状況を振り返り、来年のモチベーションアップにつなげることの重要性が説明されている。
「6 特別費の洗い出し」と書かれた画像。1万円札の束を握る手が写っており、来年の特別費を年内に洗い出すことで家計管理が楽になることが説明されている。
「7 来年のプランニング」と書かれた画像。青空と雲が写っており、夏休みやGWの旅行計画など、来年の目標を立てて貯金に励むことの重要性が説明されている。
「summary」と書かれた画像。年内にやるべきお金のこと7項目がリストアップされており、両手を挙げた可愛らしいキャラクターが描かれている。
投稿者のプロフィールと最近の投稿が紹介されている画像。女性のイラストと「moco（モコ）」という名前、節約術に関する情報、そして過去の投稿のサムネイルが配置されている。
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1

Money to do this year.

What to do this year 🏃‍♀️

Good evening! This is Moco 🕊️

Only one week left this year! (😇 too early)

Should be done within the year.

I put together the money thing ✍️

If you haven't done it yet

Get it done as soon as possible 🥰❣️

My child is on winter vacation tomorrow ☃️

It's an area where it doesn't snow much,

I want to play in the snow 🤣❄️

What should I do for lunch?

Already worried 🤣

Let's all do our best during winter vacation 🤣🫶

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

─ ─ ─ ─ ─ ─ ─ ─ ─ ─ ─ ─ ─ ─ ─ ─ ─ ─ ─ ─ ─ ─ ─ ─ ─ ─ ─ ─ ─ ─ ─ ─ ─ ─ ─ ─ ─ ─ ─ ─ ─ ─ ─ ─ ─ ─ ─ ─ ─ ─ ─ ─ ─ ─ ─ ─ ─ ─ ─ ─ ─ ─ ─ ─ ─ ─ ─ ─ ─ ─ ─ ─ ─

Find knowledge with # lemon8

2025/12/28 Edited to

... Read more年末は家計の総点検にぴったりなタイミングです。私も毎年、節約と貯蓄の見直しを兼ねていくつかの作業を習慣にしています。まず、サブスクリプションの解約漏れを確認すること。意外と携帯電話のキャリア契約に紐づいたサービスが使っていないのに契約継続していることがあり、放置すると無駄な支出になります。月末に必ず確認するのがおすすめです。 また、ふるさと納税の申請期限が翌年1月10日までという点も見落とせません。自治体によってはオンライン申請ができるので、時間がない時でも簡単に手続きを済ませられます。確定申告が必要なケースがあるため、該当する方は早めの準備が大切ですね。 総資産や貯蓄率の振り返りも重要。私の場合は収入の20〜30%を貯蓄目標に掲げていて、毎年の平均収支を計算して達成度をグラフ化しています。数字で可視化すると次の目標も立てやすく、モチベーションアップにもつながります。 特別費の洗い出しもしておくと、ボーナスの使い道や来年の支出計画が立てやすくなります。私たち家族は固定費以外に何にいくら使うかをリスト化し、無理なく管理する工夫をしています。 最後に来年のライフプラン作り。夏休みや連休の旅行計画を家族で相談すると、節約しつつ楽しいイベントに向けて貯金もはかどります。冬休みは子どもたちが雪遊びに張り切っているので、家族の時間を大切にしながらお金の管理も意識していきたいですね。 これらのポイントを年内にクリアすることで、ストレス少なく新年を迎えられます。無理せず楽しみながらできる節約・家計管理をぜひ実践してみてください。

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Three perfume bottles, one with a light blue label, one clear with a silver cap, and one with a yellow label, are arranged on a woven surface. The image is titled "SUMMER Fragrances" and highlights an "Old money aesthetic."
A hand holds a perfume bottle with a light blue label. Text describes its notes as green tea, cardamom, aloe vera, melon, gin & tonic, linen, and resort towel, evoking a sophisticated summer feeling.
A hand holds a clear perfume bottle with a silver cap. Text describes its notes as white amber and musk, suggesting a coastal, earthy, and down-to-earth skin scent.
SUMMER FRAGRANCES - Old Money Aesthetic 🔆
These 3 fragrances are the absolute epitome of summertime and nostalgia. They are all unisex, and give off an old money aesthetic. Think Meredith Blake from The Parent Trap, chilling by the pool. Or just getting off your yacht to have dinner on an island somewhere. It’s giving Amanda Djerf and Mati
Sydney 🌻

Sydney 🌻

90 likes

Exterior view of a retail store with its name prominently displayed, featuring a large text overlay 'Bougie On A Budget Christmas Edition' in red and white. The sky is overcast, and the parking lot is wet.
Two small, decorative house-shaped ornaments, one white and one green, each adorned with a miniature wreath. A price tag indicates they are available for $1.25, regularly priced at $5 or more.
A hand holds a package of clear LED snowflake lights, described as 10 white LEDs requiring batteries. An overlay shows the price as $1.25, regularly $7 or more.
Money Hack save your money on Xmas decor
Do NOT overlook Dollar Tree for Christmas decor !!! lots of new items this year and so cute !! and they look high end !!! love love the crystal reindeer!! grabbed a couple and the hand soaps too!!! hope u score and lmk which is ur favorite! #lemon8partner #Deals #decor #couponi
Lil Bit of Everything W/ Mayra

Lil Bit of Everything W/ Mayra

459 likes

Money Saving Challenge: $5000 in 1 Year
Are you dreaming of your next getaway but feeling overwhelmed by the costs? Trust me, I’ve been there. That’s why I created this super simple and effective Travel Fund Savings Challenge! It’s the perfect tool to help you turn your travel dreams into a reality without the stress of overspending. Whe
Kev • Travel Advice✈️

Kev • Travel Advice✈️

162 likes

A person's hands hold a large fan of various US dollar bills, illustrating the concept of saving money. Text overlay introduces the topic: "How I save money as a college student! SWIPE."
Several credit cards from different providers are fanned out, with text emphasizing "Using Credit Cards! Pay them on time!" to highlight responsible credit card use.
A collection of icons representing various money-saving applications is displayed, with text indicating their functions like tracking budgets, finding deals, and earning cash back.
How I save money 🤑
These are my favorite money saving tips!! I’m going to explain in depth for the girlies who are new to finance ;) 1. Using credit cards I know credit cards can seem intimidating but they have lots of great benefits once you learn how to use them. This is what I do to ensure I don’t go into debt:
maddie<3

maddie<3

377 likes

THINGS IM NOT SPENDING MONEY ON IN 2025!
This is just PART ONE. even though I am an influencer, u don’t want to spend money on pointless things just to say I have it !! I’m spending a lot more than healthy next year. #rich20s #moneylifestyle #unfiltered #embracevulnerability #healthylifestyle2024
Tyra jay

Tyra jay

1152 likes

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