fri unknown in the extermination of household5million yen! ?

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It lies hidden in housekeeping expensesYou know? Huh there are no such a ones in the pad? Say say it is, it is, even in the house! And suppressing that expenditure for unexplained purposes, when you can turn to the property making how it becomes, probably will be? The result is surprise, -!

1. tsu [te] nani?
2. Or the wasteful zu you can protect by your from the trap of temptation and the expenditure for unexplained purposes?
3. Suppressing the expenditure for unexplained purposes, when you save, 5,000 ten thousand Yen!?


tsu [te] nani?

The expenditure for unexplained purposes of housekeeping expenses just it probably is what?
When you express in one word, but as for the remembering which is sent although it is not, the money which does not remain and the husband who perhaps is sent you sent in, it is with the hacksaw which does not remain in memory.

“Huh? Just what thing?”Perhaps, with you feel, don’t you think?.

So more concretely we probably will speak from my experience talks which execute the improvement consultation of housekeeping expenses as a financial planner.

I from the consultation person “would like to designate housekeeping expenses more as raku”, “because in the future it is insecure, we would like to make property”, and so on in the item which is heard by all means when consultation is received, there is expenditure of current housekeeping expenses.

Roughly when the flow it keeps being, it is such feeling.

With conversation with the mother of a certain consultation person

Monthly income of the Hirata “father is 350,000 Yen with net income, but the money clogging which keeps coming out
how much spending do you have a month?

mom for example~· alternate month and food6cost of utilities in about ten thousand yen
is4million yen, housing loans8million yen, dad allowance5million yen,
papa was spending money from this year from the drops4million yen
(oh · · · price drops)
pocket money for me2ten thousand5one thousand yen, die cut my fee and other cosmetic
~a clothes and · (well! what it by spending money and betsuwaku ·)
but with it a little insurance and telephone bill · newspaper generations and then
savings i

hirata · · ·

yes, leakage at least he is not in, total spending for one month
then32will be ten thousand yen

take-home monthly income is35from ten thousand yen, of expenditure32excluding the ten thousand yen
3the remaining ten thousand yen, do you have to do this? chest of drawers deposit?
mama mad money?

mom uh-uh included in the mad money32· supposed to be a little from ten thousand yen
please, wait she must surely have forgotten there is something

i~n · · · i~n · · ·

i told all i hey funny i

hirata in, did i hear that is a mistake, the only memory
why does not remain only

how is the next bonus? in net income, respectively in summer and winter80million yen
when the bonus of winter last year and something like what you each have
did you?

mom is~i! you’ll find this is!

first, minutes of bonus pay mortgage15million yen, savings with it is
10million yen heh to (seems a little pride ·)

family went to disneyland and10was doing ten thousand yen
then my clothes! 10million yen is more than!

hirata i remember it well! crackling wow wow so?

mom well! ? but not only that ·

hirata the total bonus money did in45it will be ten thousand yen
after35ten thousand yen is?

mom for example~· · ·?

i had forgotten was! in the new year on new year’s day and i went home to my parents expense10million yen!
my mad money with it in secret5million yen

hirata pocket money to daddy will not ·

in later20million yen or do they put in your wallet?

mom well i do not such money

hirata but is that it does not remain on the calculation, to that played
it will be

mom · i can believe that

although i have written to the comical, well actually there is exchange. what is everyone all right?

if this household, monthly3million yen, at the time of the bonus20there was an unexplained expenditure of ten thousand yen.
unexplained expenditure of the year monthly3million yen×12months=36million yen and bonus time20million yen×2time=40million yen in total76million yen is.

there are often many more unaccounted money and how to diagnose the household of a variety of consultation.

do you protect yourself from the trap of money unaccounted for and the temptation of a waste? to next page

what do you protect yourself from the trap of money unaccounted for and the temptation of a waste?

does not mean that bad and blame the money unaccounted for.
some will just simply do not remember what was bought with the money you really need nakaniwa.
and to deepen the ties of family or, maybe did it for mom and dad of stress. it is not a way of doing bad money never.

but in, looking back at a later what have i bought such a thing even though there is no need why i went to buy books going to a convenience store notes, had bought magazines and sweets unawares · · · such as, i sometimes doing things you do not need money, i look back and regret is often.

such sale to you also who are in a position of the opposite side of the consumer side with you, ‘ll also use the wisdom and hard i’ll have to buy unnecessary.

for example, is a convenience store. previously there was a vending machine or tobacco juice in front of the shop of a convenience store. in recent years many people would have noticed that the vending machine that has been lost. why??

is that so, because vending machines are gone when thinking of buying the juice in the vending machine in front of a convenience store from thirsty, it counts no less juice it most when thinking of buying in the back inside of the shop is … reluctantly.

when i went also with the intention of just renting a convenience store restroom or a little, clerk does not say anything, has been properly display magazines and cosmetics products and to open the door of the shop finished the restroom in the back for at most i bought look appeal and has been.

and tsuitsui thing i have also changed seasonally, i also changed the color of the hair or see also be a feeling that such, i’ll are you standing in front of the cash register i get the hair color spray imperceptibly.

everyone around the seed and a waste of money unaccounted for have been scattered in this way.
also not unreasonable to diction of how money does not remain in the unconscious memory.

once you have the savings to get rid of the money unaccounted for5,000million yen! ? to next page

once you have the savings to get rid of the money unaccounted for 5,000million yen! ?

at the beginning of mr. mom every year76i was also unaccounted fri million yen!

monthwhen converted to63,333yen! ? hye~ after screaming and alright! yo i have to fight off the money savings from this year unaccounted for! what if you decided to?

now this mom30remaining until the retirement age for daddy of the same year at the age of30let’s calculate some years as.

if, mon to bankwas unexplained expenditure of3once the deposit interest rate at zero million yen 3million yen×12months×30years1,080million yen is60is stored in the calculation up to the age of.

further
every year interest rates1% if you can reserve in the compounding of 12,588,846yen
every year interest rates3% if you can reserve in the compounding of 17,482,107yen
every year interest rates5% if you can reserve in the compounding of 24,967,759yen

as you store and bonus money unaccounted for at the time of

even with zero interest rates20million yen×2time×30years 12,000,000yen
every year interest rates1% if you can reserve in the compounding of interest rates13,987,607yen
every year interest rates3% if you can reserve in the compounding of interest rates19,424,563yen
every year interest rates5% if you can reserve in the compounding of interest rates27,741,955yen

yes, simply changing the savings to get rid of unaccounted-for fund, every year5%mon compounding if you can reservereserve of 24,967,759yen and when the bonus reserve 27,741,955yen total of 52,709,714yen you can store the.
interest rates1%in total was not able to operate only as 26,567,453yen i can ensure is.

i do not need to strive savings and savings, now remain in the standard of livingOKis.
chin is easy because only households with little management awareness of.

what do you want to do household now?

want to create a clear to households! want to be strong in the money! that is a must-read to mom and dad money for a family plan guide issued by the registered mail magazine from here


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