Publish the household account book for March!
Savings and savings rates are shown at the end of the video!
Good evening! This is Moko 🙋🏻♀️
I closed my account book in March ✍️
There was a spasse in March.
Expenses 120,000!
Thanks to you, it was within the budget!
But since April,
Should I raise the cost to 120,000 🥹
In addition to children's appetite up
Inflation is too high to do 🥹
Food expenses significantly up,
To buy more ingredients during spring break
Child expenses breakdown is
Diapers, drills, new underwear
・ Others are my Orbis and Spasse
Buy tripods, dumplings, name stamps, etc.
[Details of my living expenses]
Income
・ Husband 362,000 yen
· Wife 200,000 yen
・ Bonus 70,000 yen
Total: 632,000 yen
Fixed Costs
· Housing loan 81,000 yen
· Car insurance 10,680 yen (for 2 cars)
· Life insurance 10,039 yen
・ Husband's pocket money 30,000 yen
· Electricity fee 21,210 yen
· Water bill 8,783 yen
· 2 smartphones 5,955 yen
· Wi-Fi 5,170 yen
· NHK 0 yen (for bi-monthly billing)
・ Subscription 1,248 yen
· Learning 18,150 yen
Total: 192,235 Yen
▼ Variable Costs
· Food expenses 49,660 yen
· Eating out fee 13,330 yen
· Gasoline fee 7,200 yen
· Child expenses 16,910 yen
Daily necessities: 1,700 yen
· Accommodation fee 1,000 yen
· Other 26,730 yen
Total variable costs: 116,530 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 5,000 yen
・ Overseas travel reserve 120,000 yen
Total savings: 315,000 yen
Household Management in March
How was it??
I will post again!
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\ Life was improved by life plan and household management /
📍 housewives saved 0 to 10 million yen ㊙️
📍 Household management that can be done by super wasters with 0 knowledge
📍 follow saves 360,000 a year 👛
- Yeah.
Updating the secret to save 10 million in the story 🤫
🎧 Yahoo! News Expert
- Yeah.
30 s couple + 2 boys (7 y 👦🏻 2 y 👶)
I would be happy if you could get along 🕊
@ mocolife _ moco
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「ぶっちゃけ貯金額」って、家計簿投稿で一番気になりますよね。私も最初は人に見せるのが恥ずかしくて、貯蓄額を出すのにすごく勇気がいりました。でも、貯金の“金額”だけよりも「毎月いくら先取りして、何に積み立てているか」をセットで見せると、家計の再現性が一気に上がるなと感じています。 私がやってよかったのは、貯金を3つに分けて“見える化”することです。①教育（子ども貯金）②将来（つみたてNISA・確定拠出年金）③イベント（車検・家電・旅行などの積立）。同じ貯蓄でも目的が違うので、月によって増減してもブレにくくなりました。特に「車2台」の家庭だと、車検・買い替え・保険が重なりやすいので、積立を固定費寄りに扱うと気持ちが楽です。 あと、意外と聞かれるのが「家計簿つけてる割合ってどれくらい？」という点。体感ですが、きっちり“全部”つけてる人は少数で、多くは「大きい支出だけ」「クレカ明細だけ」「月末にざっくり」みたいなゆる管理が多い印象です。なので、完璧を目指すより、続く形が正解。私は“固定費だけは毎月同じテンプレで確認、変動費は週1で合計を見る”にしたら続きました。 固定費の見直しは、一覧にして眺めるだけでも効果があります。おすすめの固定費一覧チェックは、住宅（ローン/家賃）、通信（スマホ・Wi‑Fi）、保険（生命・自動車2台分）、サブスク、習い事、お小遣い、光熱（水道は隔月も）まで一気に並べること。ここで「使ってないサブスクが残ってた」「保険が重複してた」が見つかることがあります。 最後に、インフレ期は“食費が増えて当たり前”になりがちなので、私は食費を責めるよりも、①外食回数の上限を決める ②日用品は月の上限だけ守る ③セール（スパセ等）は買う物リストを先に作る、の3つでブレを小さくしています。家計簿は自分を責める道具じゃなくて、生活を守る地図。今月もお疲れさまでした、の気持ちで続けていきましょう。