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節約大好き主婦moco🌿
節約大好き主婦moco🌿

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Payday Routine👛

Payday routine 👛

Good evening! This is Moco 🕊️

[Payday routine details]

📍 husband's payday

to pull out an automatic reserve

📍 sumishin sbi automatic reserve

Car replacement reserve, vehicle inspection reserve,

It is home appliances reserve!

📍 then distribute it as shown in the video.

📍 Creca Withdrawal

Utility charges and smartphone stand, etc.

Outcomes other than redemption expenses

(120,000 this month)

along with the money.

Go to the debit account 🏦

📍 husband's pocket money,

Mainly lunch and coffee on work days.

Beauty salon fee is medical expenses from household expenses.

If the drinking fee is not enough, add it

From household expenses 👨

Be sure to set a routine on your payday 🪄

so that we can make fewer decisions

Household management is easy to continue

It will also be easier to manage, so it will be shorter 🧸

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 + 2boys (7y 👦🏻 2y 👶)

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Find knowledge with # lemon8

5/7 Edited to

... Read more私も同じようにお給料日ルーティンを取り入れてから、家計管理が断然楽になりました。特に住信SBI銀行の自動積立は、目的別に分けられているので先取り貯金が自然にできます。たとえば、車の買い替え積立や車検積立、家電積立など毎月決まった額を積み立てておくと、急な出費も慌てずに対応できるのがありがたいです。 また、クレジットカードの引き落とし分をまとめて計算し、やりくり費分と一緒に引き落とし口座に預け入れる管理方法はおすすめです。こうすることで、交通費や食費、公共料金やスマホ代などそれぞれのお金の出入りを明確に把握できます。私の場合は、毎月公共料金や固定費の引き落としを最初に控えておくことで、日々の無駄遣い防止にもつながりました。 夫のお小遣いの使い道も明確に決めておくのは良い工夫だと思います。仕事の日のランチ代やコーヒー代がメインで、美容室代や医療費は家計費から支出。飲み会代は足りなければ家計費から追加で出すスタイルにしているので、予算オーバーを防ぎやすいですね。 さらにルーティンを作ることで「今日は何をすれば良いのか」が明確になり、意思決定のストレスが減りました。面倒な袋分けはしていませんが、目的別積立と口座管理で十分効果を感じています。無理なく続けられる仕組みを作ることが家計管理成功のコツだと日々実感しています。これからも工夫しながら節約＆貯蓄を頑張りたいです！

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