Automatically translated.View original post

If you hold this down, it's OK!! Saving rules for double-income and high school families.

When you become a middle and high school student

✔ food expenses go up.

✔ smartphone fee and education cost will be heavy

✔ working together and can't afford to think.

Even so

📌 saving = mechanism, not patience

📌 working is easy = correct

📌 high school students are strong when they control "food and smartphone"

This post is

On the premise of not trying hard

It is a story of a household arrangement 🌱

From where it seems possible ◎

May it reach Mom in the same situation ✨

✽ ✽ Move this ✽

Mom in her 40s | Family of 4

Difficulty balancing time and income with family,

I adopted a way of working that I can do at home.

We are sending out everyday life that was born in the heart 🌷 ︎

# mom # parenting

The saving

Our money situation

# Comments are welcome

Discover the God of Life

1/25 Edited to

... Read more共働きで忙しい毎日を送る家庭では、特に中高生の子どもを持つママたちが節約と家計管理の両立に悩みがちですよね。私も同じ状況で、実際に試して効果を感じた方法を共有したいと思います。 一つ目は「食費の固定化」です。週に1~2回のまとめ買いを徹底し、定番ローテーションの献立を作ることで「買い足さない」生活を続けています。これにより、無駄な買い物が減るだけでなく、献立を考える時間も節約できました。例えば、カレーや親子丼、焼きそばなど子どもたちが喜ぶメニューを10個ほど決めておくと、日々の食事準備が楽になります。 二つ目は「スマホ代の見直し」です。中高生でも3~5GBの格安SIMが十分な場合が多いので、料金プランを見直しましょう。家族でサブスクサービスを共有することで無駄な出費を抑えられますし、子どもにも家計の事情を伝えることで自ら節約意識を持つようになりました。 さらに「お腹を満たす家での工夫」も重要です。成長期はどうしても外食やコンビニ利用が増えがちですが、冷凍うどんやパスタ、ホットケーキミックスなどを常備し、手軽に済ませられるお腹満たしアイテムを揃えています。これで外出時の余分な出費も減り、子どもも満足しています。 最後に、家事を効率化するためにロボット掃除機や乾燥機付き洗濯機、ミールキットの導入もおすすめです。最初は出費に見えるかもしれませんが、疲労を減らして外食やコンビニに頼る頻度を減らすことで、トータルの節約につながります。 節約は我慢やストレスではなく、日常をラクにする「仕組み作り」です。同じく共働きで中高生を育てるママたちに、この経験が少しでも参考になれば嬉しいです。少しずつできることから取り入れて、家計も心もゆとりある毎日を目指しましょう!

Related posts

Income growth
Here are some tips to help increase your income. I hope you find them valuable, and be sure to read the last paragraph, it's especially important for anyone looking to boost their earnings. Always prioritize saving and investing, they are crucial for enhancing your financial life. After inve
Officialbri Financebabe

Officialbri Financebabe

707 likes

My 8 streams of income 💲💲💲
Having multiple streams of income is the KEY to not just working for your money, but getting your money to work for YOU. Here are all of my streams of income that I accumulated over the years, the majority of my time and energy is spent on my 9:5 job but I do have a couple side hustles and passi
Kim Liao

Kim Liao

1776 likes

20 passive income ideas to make $$ in your sleep
Most of the time passive income isn’t TRULY passive, and it requires time to set something up or requires time to gather knowledge so you have the expertise in something but eventually be able to make money passively. My favorite EASY way to earn passive income has been investing as well as star
Kim Liao

Kim Liao

1910 likes

low income financial security hack 💸💲💚
Building financial stability on a low income taught me that money management isn’t about perfection — it’s about protection. When you don’t make much, every dollar already has a job. Rent, groceries, gas, bills… there isn’t a lot left to “optimize,” and that’s something a lot of advice ignores.
Jessica | LIFESTYLE 💕

Jessica | LIFESTYLE 💕

994 likes

low income money saving home hacks 💸🤑💰
Cutting utility costs on a low income isn’t about extreme sacrifices — it’s about knowing where your money is leaking and fixing it with small, repeatable habits. For electricity, unplugging idle devices, using power strips, and washing clothes in cold water can noticeably lower your bill over t
Jessica | LIFESTYLE 💕

Jessica | LIFESTYLE 💕

1681 likes

Money rules to learn by 25
Absolutely! Learning key money rules by age 25 can set you up for financial success and stability in the long run. It's the perfect time to lay a solid foundation for your financial future. Let's dive into some essential money rules: 1. **Live Within Your Means**: This is fundamental. Sp
Lizzy Reaux

Lizzy Reaux

6730 likes

Low income saving plan..✨
It’s been awhile since I’ve shared one of these but, here’s my low income paycheck budget! I work full time, Monday - Friday, 8-5 & I’m paid biweekly. This is how I’m breaking down my paycheck for this pay period. I’m still pretty tight on my budget these days. I’m definitely in a better
LetsBeBestieBoos

LetsBeBestieBoos

1847 likes

low income investment tips and tricks 💲🤑💸
Low-income investing isn’t about doing everything — it’s about doing the right things consistently. A Roth IRA is one of the best investing tools because you pay taxes now, your money grows tax-free, and qualified withdrawals in retirement aren’t taxed. You don’t need thousands to begin. Even $2
Jessica | LIFESTYLE 💕

Jessica | LIFESTYLE 💕

394 likes

50 WAYS TO BOOST YOUR INCOME 💰
Irregardless of your skills, education and time limitations it is possible to earn more money. Here are 50 extra income ideas to ignite your creativity: 1. Online surveys 2. Test websites (UserTesting) 3. Buy crowdfunded real estate 4. Create an online course 5. Participate in mock tria
Emma 🐝

Emma 🐝

1579 likes

My Treasure Passive Income Streams💰
Hey babe, are you ready to level up your financial game? 🚀 I've been on a mission to diversify my income streams and create passive income that allows me to live life on my own terms. And guess what? It's working! I'm here to share four of my favorite passive income streams that have he
Elena💗

Elena💗

415 likes

💰SMART MONEY MOVES TO MAKE WITH YOUR INCOME TAXES💰
I See alot of people already planning trips, BBLs, and cars with a $5,000 down payment you KNOW you can’t maintain. STOPPP. 😭🔥 Let me show you how to change your whole financial LIFE with the SAME money: Step 1: Pay your rent 2 MONTHS ahead. Rent $1,750 × 2 = $3,500 Boom. Stress GONE.
GG_Digitals Nayzha 🤍✨

GG_Digitals Nayzha 🤍✨

137 likes

Invest $300-$3,800 in real estate/steady income💸📈
Here are ways to invest $300–$3,800 in real estate for steady income 🤑❤️ These options balance affordability and potential income while minimizing risk! #investmentadvice #realestate #personalfinance #investments #realestateinvesting
Abinicole🦋💗

Abinicole🦋💗

165 likes

Smart Saving for Women Who Hustle 🛍️
1. Set Clear Goals – Know what you’re saving for and why. 2. Track Every Dollar – Awareness is the first step to control. 3. Pay Yourself First – Treat savings like a non-negotiable bill. 4. Grow Your Money – High-interest accounts or smart investments work for you
Mindset + discipline + growth✨

Mindset + discipline + growth✨

15 likes

Harvard is offering free tuition for families
#freeeducation #tuitionfree #harvarduniversity #affordable #midtermexam
Tangenia’s Breaking News Alert

Tangenia’s Breaking News Alert

561 likes

MY PASSIVE INCOME STREAMS 💰
Passive income = income that doesn't require any ongoing effort (there may be some initial effort involved). One of my financial goals is to have passive income completely cover my outgoings. Here are the 5 different passive income streams I am currently earning: 💻 Advertising: $400 p
Emma 🐝

Emma 🐝

1811 likes

low income money tips for inflation 💸💲💰
Inflation doesn’t just raise prices — it exposes how tight low-income budgets already are. If your money feels harder to manage lately, it’s not because you’re failing. Essentials like groceries, rent, gas, and utilities are taking up more of your income, leaving less room to breathe. That’s why
Jessica | LIFESTYLE 💕

Jessica | LIFESTYLE 💕

435 likes

SAVING FAMILIES DURING CRISIS IS A CAREER.
When illness hits, families don’t need sales pitches. They need guidance. This career isn’t about policies. It’s about protecting people when life gets real. 🫀 Comment INFO if you want your work to actually matter.
Ceo_rasha

Ceo_rasha

3 likes

Your low income savings plan🫶✨
Low income savings plan that actually works 💸 Most people think they can’t save because they don’t make enough. In reality, they don’t have a system built for low income. Trying to save “whatever’s left” never works. Saving has to happen on purpose and on payday. This plan is built for:
minttalksfinance

minttalksfinance

69 likes

realistic low income savings goals 💸💲💚
When you’re low income, saving money can feel impossible — especially when social media pushes huge numbers and unrealistic timelines. The truth is: realistic savings goals matter more than big ones. Instead of focusing on how much you wish you could save, focus on goals that improve your daily
Jessica | LIFESTYLE 💕

Jessica | LIFESTYLE 💕

248 likes

Low Income Saving Tracker
💳 I'm your go-to finance assistant for smart money moves & real credit repair results! #financesdoneright #budget #budgeting #savingmoney
Finances with Cleo

Finances with Cleo

38 likes

PASSIVE INCOME IDEAS
@Welcome Baddies Passive income can be achieved through various means, such as investing in dividend-paying stocks, renting out property, creating and selling digital products, and participating in affiliate marketing. While some initial effort is required, these strategies can generate reven
Welcome Baddies

Welcome Baddies

240 likes

Income Tax Refund Wealth Plan‼️💰
#money #mindset #savingmoney #land #fyp
Bucket Banking

Bucket Banking

170 likes

low income buying rules 💸💰💲
When you’re low income, every purchase has a ripple effect. Something small can easily turn into overdraft fees, credit card reliance, or stress later in the month. That’s why I stopped asking “Can I afford this right now?” And started asking: • Will this make next week harder? • Does
Jessica | LIFESTYLE 💕

Jessica | LIFESTYLE 💕

170 likes

I started saving on a low income 🤑💸💲
For a long time, I believed saving money was only possible once I made more. The problem? My expenses grew right along with my income — and saving always stayed “later.” Starting small on a low income taught me that saving is a skill, not a milestone. Whether it was $5 or $15, consistently setti
Jessica | LIFESTYLE 💕

Jessica | LIFESTYLE 💕

144 likes

Financial rules 💰💰💰
#saving #moneysavingtips #tipsforwomen #dailytips #savingmoneytips
EmpowerHER

EmpowerHER

887 likes

🚀 Want to Earn Extra Income From Home?
You don’t need a second job to create another stream of income. I’m looking for motivated people who want to work a few hours a week helping families protect their future — with full training provided. Many part-time agents earn $1,500+ per month as they grow. DM “INFO” if you’d like detai
karinasuazo_dca

karinasuazo_dca

2 likes

4 WAYS TO INCREASE YOUR INCOME 🤑
The world is getting noticeably more expensive. From rising bills and inflation undercutting wages hits, your annual salary is going to start feeling smaller than ever and very soon. Here are 4 ways you can increase your income in 2024: 🤝 Negotiate a pay rise 👩‍🏫 Move jobs 👩‍💻 Start a side
Emma 🐝

Emma 🐝

102 likes

20 passive income ideas to make $$ in your sleep
Most of the time passive income " isn't TRULY passive, and it requires time to set something up or requires time to gather knowledge so you have the expertise in something but eventually be able to make money passively. My favorite EASY way to earn passive income has been investing as we
Emily financebabe

Emily financebabe

11 likes

✨💵 7 Money Rules To Live By 💸✨
✨ Money becomes a lot less stressful when you follow a few non-negotiables. These 7 money rules aren’t flashy, but they’re the foundation of long-term financial peace 💯 1️⃣ Spend less than you earn & track it! Awareness is power. If you don’t know where your money goes, you can’t control it.
Margarita

Margarita

86 likes

Saving tips won’t change your income.
Saving tips won’t change your income. Execution will. Pick ONE saved video today and turn it into ONE deliverable. Comment CLASS for my live 6-Figure Brand webinar.
Naomi Williams

Naomi Williams

26 likes

How to save more money with a low income ✨💵💰🫶
Saving money often comes down to how much you make and how much you spend. You need to spend less than you make, even if you have a lower income!! You can try to increase how much you make by having a side gig or getting another job. A lot of people have some small side incomes! you can decr
Kylie 💸🫶🏻

Kylie 💸🫶🏻

529 likes

How I saved $5000 on a low income
Everything I share here is what I actually did to save money when I was living in a developing country, earning less than $10k annually. I was 27years and dead broke when I decided enough is enough, I was tired of always making money, losing it and going broke and made a promise to myself that
Diamond

Diamond

311 likes

Passive income ideas
Make Your Money Work for You with a High-Yield Savings Account (HYSA)! 💰✨ Want to grow your savings without lifting a finger? A High-Yield Savings Account (HYSA) is one of the easiest ways to earn passive income! 🙌 It's just like a regular savings account with HIGH interest. You can withdraw
Nikki 👩🏻‍💻

Nikki 👩🏻‍💻

1031 likes

Budgeting & Saving with low and high income 🫶💰
Start your savings journey and watch how you aim towards your goals 🎯 #savingmoney #budgeting #cashstuffing #goals #tiktok #lifestyle #change #howto #dreamlife #viral
Daily planning

Daily planning

63 likes

4 INCOME STEAMS THAT MADE ME $7200 LAST MONTH 👩‍💻
I started blogging in 2017 and the income I earn as a blogger has increased year upon year. I monetised my blog in 4 ways last month: Sponsored work = $4,943 This is when a brands pays me to promote them on my website/social media. Content creation = $1000 This is when a brands pays me to c
Emma 🐝

Emma 🐝

377 likes

low income sinking fund MUSTS 💰💸💲
When money is tight, sinking funds can feel impossible — but they’re actually what stop low-income households from falling deeper into debt. You don’t need 20 categories or hundreds of dollars. You need a few realistic funds and permission to start small. ✨ Start with just 3–5 sinking funds
Jessica | LIFESTYLE 💕

Jessica | LIFESTYLE 💕

243 likes

Ever thought about extra income?
DM me and I will help you..
Buddy_Maunakea

Buddy_Maunakea

1 like

3 ways to INCREASE income 💰
3 ways you can increase your income SIGNIFICANTLY: 1. Freelancing: if you have a craft like graphic design, art, video editing, or even creating UGC content you can turn that into a LOT of extra money. Utilize sites like Fiverr to advertise your craft and book work! 2. Sell unused stuff: You ca
kaylakoupons

kaylakoupons

557 likes

Low income saving challenge
Easy way to save money #cashenvelopes #cash stuffing envelope #lowincome #save
Glaicel94

Glaicel94

22 likes

Budget my Income for August
With August coming to a close I like to review my budget to see: 1. What worked 2. What didn’t work 3. How to be more conscious of what I am spending So this is this months break down: Est. Income: $2200 Real Income: $ 2,611.88 Fixed Bills: Gym: $40 | $39.72 Discover: $80 | $79 Amazo
Faeryn Tuttle

Faeryn Tuttle

337 likes

How I made $8K in Passive Income in 12 Days 🦋
She believe she could so she did r Literally STOP SLEEPING on YOURSELF * all you need is a little bit of confidence just enough to get sh** done and JUST START The more you keep waiting or self doubting yourself, the more you are holding yourself back from greatness! You won't really know how
Lizzy Reaux

Lizzy Reaux

730 likes

My simplest guide to be a HIGH VALUE woman
1️⃣ Free your spirit Let go of the need for validation and start following your own path. Focus on what truly lights you up rather than what society expects. When I stopped seeking approval and began trusting my intuition, it felt like the rock has been lifted off my shoulder. 🌟 Try this: eve
Rosalie Huang

Rosalie Huang

14 likes

How to save money effortlessly on a low income? 💸
Saving money doesn't have to be difficult! Learn about budgeting finances and taking control of your finances with these money saving tips! When you want to save money, following simple saving money ideas can be a gamechanger. 💸 1. TRACK YOUR EXPENSES 2. MEAL PLAN 3. COOK BUDGET FRIENDLY M
Andrea Davis

Andrea Davis

169 likes

Calculate Your Debt-To-Income Ratio
@Welcome Baddies 1. Calculate Your Monthly Debt Payments - Add up minimum monthly payments for all debts (credit cards, loans, etc.) - Do not include rent/mortgage, utilities, or other non-debt expenses 2. Divide by Your Gross Monthly Income - Debt Payments / Gross Income = Debt-to-In
Welcome Baddies

Welcome Baddies

160 likes

Side Hustles For Passive Income
I've been looking into these ideas to generate passive income online! 💸✅ Ebook link in bio to help you start generating passive income through digital marketing today 🔥 #sahmsidehustleideas #lemon8challenge #moneysavingtips #smallbusinessowner #SmallBusiness #smallbusinesslemo
Digital Queen✨💸

Digital Queen✨💸

12 likes

How to increase your income
Avoiding financial ruin often means steering clear of certain pitfalls that can easily derail one's financial stability. Here are some "dumb" ways that can lead to financial trouble, synthesized from various sources: 1. **Not Saving Enough**: Failing to save can leave you unprepared
Lizzy Reaux

Lizzy Reaux

468 likes

Income transparency: how I increased my income 📈
Increasing your salary is very tricky for me so I wanted to share some of my best tips: I started working in public accounting in 2016 and my biggest pay increase was 30% from switching to a new job. After that I would say the post COVID times with everyone’s salaries increasing, one of the b
Kim Liao

Kim Liao

65 likes

low income grocery hacks & habits 💲🤑🛒
If groceries are eating up your whole paycheck, you’re not doing anything wrong — prices are just out of control. These low-income grocery hacks helped me cut my bill without skipping meals or living off ramen 👇 🛒 Plan around sales, not cravings Instead of deciding meals first, I look at wha
Jessica | LIFESTYLE 💕

Jessica | LIFESTYLE 💕

815 likes

Side Hustles to Supplement Income: Money Tips 🤑💸
Who doesn’t want to make more money⁉️ These are the side hustles that I do on a monthly basis and I make over 5k doing these side hustles. 🤑💸 Anyone can do these side hustles so you can start saving some money. Ridesharing or Delivery Services: Sign up to drive for ridesharing services like Ube
Steph 🙏🏽🍵 🍀 ✨

Steph 🙏🏽🍵 🍀 ✨

75 likes

See more