Household management11mon hold the key

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The bowl, without abandoning! Still, this year it has not ended.

Very this year managing, you probably will lose wasteful errand in January! It will save! Although the tsu [te] you think.If the air is attached, also the housekeeping collapses midway, date flows, already November.Very next year…, with before buying the new housekeeping, there are times when you do.Even because either next year does not repeat the same failure you will do “the home management of this year”, among this year.

Why, being November? As for that, when it is end of year, the spare time when you have looked back at 1 years, tendency of home management and the spare time when measure is kneaded the hole it is and it is empty.In the time when expense increases from now on, it should tie the string of the wallet hard or, the bonus and December earnings secure it should leave to which extent labor assistant, check.And, “the a, it is more dangerous than the New Year when also it becomes new feeling to think of the budget of next year!”With you can think the direction during this year when you think, at once calmly.

* Those which are prepared
The bankbook and the log, it is to obtain the pi, the portable calculator

1. You look back at the housekeeping expenses of this year securely

* As for net income total how much?
Preparing the bankbook which is registered to up-to-date transaction, it will try producing the total of the hand taking amount.If November because it is it can estimate also the hand taking amount and the bonus which enter to December this you insert in calculation.

* Savings how much was possible?
1from mon11until may, were you able to much savings?
amount and remaining balance of the deposit as normally1month1do you have more than the sun?
· the amount accumulated in the account of other?
· the amount accumulated in such deposits is?
investment trust, foreign currency deposits, amount invested in the stock, such as?

firmly in the bowl’s, if the pass to save money such as asset-building and regular. but, this tightly that it is different by household.

the goal of a little earlier this year with the goal of
by family, period because of the different goals and save money, save the amount of change also. the goal is to
prepare for an emergency
return to home on a tray
buy a coat and shoes and bags
go on a trip
annual goals and that,

the child’s education17accumulate to up to the age of
a down payment of the apartment5earning a year
kaikaeru a car
prepare for old age
and, there are broadly divided into two major goals of the medium-and long-term and. this year’s goal can be achieved, people that can save money for a little ahead of the goals of people firmly put aside is. i did not think a little ahead of target your suggestion is, i hope to see a family talking at once.

deficit! zero savings were accumulated as it sounds that person is, 2to. people firmly put aside 3please go to.

2. look for tamara did not cause!

tamara did not cause the, do you omoiatari? 11and that can last, what happened during the first half of the distant past. you have forgotten completely. here, be put back looking for the cause, household management is key to a successful next year.

income has decreased
than the previous year, how much revenue has been reduced? for example, if you can not cover his wife her husband’s income was reduced minute, and a review of the household always.
– life insurance, review of the security of medical insurance
– review of the plan of mobile phone
– revision of the food

there was a sudden expense
first, check if there is a period household accounts was wearing a household account book. if there is no household account book, i remember what the money was used to pull out a notebook and butt passbook.
· kankonsosai
-medical expenses
housing repair and
· replacement of appliances
these, prepare for the extraordinary expenditure can not be predicted reserve fund let’s start with the savings. well as money looks down at the expense of a sudden, another bank or post office save some money i hope a holding tank to a dedicated account.

disappeared during the month do not know
i’m using just willy-nilly in, on the other hand is less money. rather than save money when there is a, to make ends meet with money remaining money in the destination. that way do not know money disappeared between the, do not know money was accumulated between you can change the.

11people did not accumulate too much to the moon, is suppressed as much as possible the expense of the new year, 12who have income and bonus of the month you can also just turn the savings bonus. surplus to balance out somehow combined here, what next year is not unexpected panic spending, let’s plan to save up to 50% margin money.

the next page, household account book, household management easy with a passbook!

next year, household management aims to rank above the other! >>> i bought such a thing kke i went to a place like this it takes money was suddenly very and, if you look back a year, then you need to come up with a plan for next year.

3. easy household management household account book

household accounts11until may, was continued for people is to continue next year also means. until now, people wore the diary as a record of the family instead, let’s go up a notch next year a further! first, select from the household account book coming out soon.

budget
just keep household accounts are, do not earn money. 1look for the wasteful spending months looking with. there, have to budget for next month, to check for in the budget is paid to the household account book. column and write the budget, let’s write a budget and goals rapidly in the margin.
clothing expenses2million yen 1month2day~ department store sale
food3million yen stir-fried ground pork miso, good reputation!
water bill 8000yen bathtub of hot water from shower
write a word in addition to the budget, motivation up. or plan to buy a thing, the ideas corner do not forget to make ends meet. could be achieved when, i’ll write it fun and reward.

check
1or settled within budget after months, be sure to check.
clothing expenses1ten thousand5000yen! budget attainment bank4000yen, 1000papa yen allowance
food2ten thousand7000yen! budget attainment! post office2500yen, 500mom yen savings
water bill7000yen! did a great job! post office500yen, 500yen105cake yen4one!
it is still a good turn to all savings, if there is a reward to the family also have contributed or helped me, will most likely be long-lasting.

to check the savings
have saved money every month, check periodically that has become much. you do not plan to use surplus funds for some time, deposit in a high interest rate time deposits, etc. tried to buy financial products, save from greaten let ‘s goal is to.

4. household management easily with passbook

it is not good keep household accounts, · that people without household management time in the passbook.

anticipate savings
to manage to budget by expense item, if no time like the school multiplied by household account book, first savings. and, let’s make ends meet in the rest of the money. a fixed amount every month a, we will reserve because such deposits.

check before payday
household account book, but check at the end of, if you want to manage in the passbook is not at the end of, check before payday. if you have plenty of deposits, deposits and other frequently save some money you have transferred to the account.

to check the savings
if there is no set amount of savings impossible to anticipate, that balance is negative there is no. and saved money every month, how much money was made or because a check before payday, what seems to be able to achieve the goal of goals and a little earlier this year, check regularly.

how was? this year’s household management within this year. next year, let’s plan from now to be able to achieve various objectives.


check the food anxious age, engel’s coefficient for food and anxious

success-story of the person who made the constitution save household consultationvol,5because even i was like