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My family's expenses for December

Savings are shown at the end of the video!

Good evening! This is Moko 🙋🏻‍♀️

I closed my account book in December ✍️

Managing expenses 680 yen over budget 💸

Over minutes is my pocket money

I paid from 🥹

· Food expenses were at home a little at the end of the year

It was cheaper than I thought 🥹

· Child expenses are usual diapers and

I bought some books in December 📚

· Entertainment expenses are a little gift to parents 🛍️

· Medical expenses are husband's ophthalmology (dry eye 👀)

Your savings are more than usual.

There are so many, but this is

There were many year-end adjustments 🥹

My management is very

It's not like it went well ←

[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 40,000 yen

· Electricity fee 10,706 yen

· Water bill 7,815 yen

· Smartphone 2 units 5,464 yen

· Wi-Fi 5,170 yen

· NHK 2,200 yen (for bi-monthly billing)

・ Subscription 1,298 yen

· Learning 21,750 yen

Total: 190,072 Yen

▼ Variable Costs

· Food expenses 40,420 yen

· Eating out fee 9,340 yen

· Gasoline fee 9,000 yen

· Child expenses 12,280 yen

· Entertainment fee 1,210 yen

Daily necessities cost 7,400 yen

· Medical expenses 5,350 yen

・ Other 25,680 yen

Total variable costs: 110,680 yen

Breakdown of Savings

・ Child savings 50,000 yen

・ Defined contribution pension 1,000 yen

・ Tsumitate NISA 30,000 yen

· Celebration gift savings 3,000 yen

· Vehicle inspection reserve 6,000 yen

· Car fee reserve 100,000 yen

・ Home appliance reserve 47,000 yen

・ Overseas travel reserve 200,000 yen

Total savings: 437,000 yen

Household Management in December

How was it??

I will post again!

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\ 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

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Find knowledge with # lemon8

1/14 Edited to

... Read more12月は年末年始のイベントが多く、支出が増えがちですが、家計管理を見直すよい機会です。私も以前は年末の出費で困っていましたが、固定費や変動費をしっかり把握し、予算を立てることで無理なく節約できるようになりました。 例えば、固定費の住宅ローンや保険は毎月決まった額を把握しつつ、変動費の食費や交際費は記録を細かく取り、何にいくら使っているか把握しています。12月は実家に少し滞在したので食費が思ったよりかからなかったのは嬉しい誤算でした。お子さんの費用はオムツや本の購入にかかりますが、これは成長投資と考え優先しています。 また、医療費も見逃しがちですが、夫のドライアイの眼科受診で発生。こういった急な出費も予備費として考えておくと心の負担が減ります。交際費は親へのちょっとした手土産費用程度に抑え、無駄遣いを防いでいます。 貯蓄は無理なく続けることが大切です。私は毎月の家計から子ども貯金やつみたてNISA、車検や旅行積立など、用途別に積み立てています。特に12月は年末調整の戻りがあったため、貯蓄額が増えましたが、これは普段の節約だけでなく税金の知識や手続きを活用した結果です。 こうした継続的な節約と貯蓄の積み重ねで、結婚3年で1,000万円貯蓄を目指しています。節約は無理なく楽しく行うのが続ける秘訣。家計管理のコツや節約レシピも公開しているので、同じように節約生活に挑戦したい主婦の方はぜひ参考にしてみてくださいね。