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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3月の家計管理で特に感じたのは、インフレの影響と子どもの食欲増加による食費の増加です。私も実際に家計簿をつけてみて、スーパーポイントセール（スパセ）などの活用が家計を助ける重要なポイントだと実感しました。急な出費や日用品の買い替えなど変動費が増えても、やりくり費を柔軟に調整し、予算内に収める工夫は必要です。 また、我が家では住宅ローンや車の保険、光熱費などの固定費が大きな割合を占めるため、これらを見直すことは大きな節約には繋がりづらいと感じています。そこで、変動費の中でも特に食費・外食費を月ごとに把握し、春休み等の特別な時期は食材の購入量を計画的にする など、先を見据えた準備も大切です。 貯蓄に関しても、子ども貯金や積立NISA、車代や海外旅行の積立と細かく目的別に分けて管理することで、貯金が見えやすくなりモチベーション維持につながりました。特に海外旅行積立など明確な目標がある貯蓄は楽しみや達成感も生まれ、節約生活の励みになります。 私は、家計簿公開を通して、同じように家計管理に悩む主婦の方々や子育て世代の参考になれば嬉しいです。知識ゼロから始めた家計管理でも、コツコツ続けることで1,000万円以上貯めることができました。今後も定期的に家計管理の工夫や節約術をシェアしていきますので、一緒に頑張りましょう！ #30代夫婦家計簿 #春休み家計管理 #スーパーポイントセール活用 #インフレ対策節約 #つみたてNISA初心者
