"I was shocked to see the amount claimed." A 40-year-old woman with a part-time job is overused and has no cash, and her household spending is in the red.

Convenient cashless payment. Expenditure increases before you know it.

I want to increase my savings for the sake of education expenses and pension funds, but the expenditure has increased due to the lack of cash payment, which is a consultation for part-time women (40 years old). This time the suggestion was put forward by Yano, a female money expert with AFP qualifications. [chart] A list of Mr. Xue's expenses. With the development of no cash, you will lose the sense of money if you don't carry cash with you. Unwittingly overuse the consultant's profile consultant Xue (pseudonym / female / 40 / odd) family member husband / company employee / 45-year-old 2 children (12, 8) worry about shopping in convenience stores and supermarkets. Cashless payment is very convenient and often used. I looked at the monthly payment bill, and I was surprised that it was used too much. Every month is arranged with the money left after the bill, but the deposit won't increase as much as I thought. Like now, I am worried about the cost of education and my old age. I want to increase my savings. What should I do? Mr. Xue's family income net income (husband): 360000 yen net income (Mr. snow): 90, 000 yen child allowance: 20, 000 yen total: 470000 yen total expenditure: 493000 yen current savings demand deposit: 3 million yen time deposit (10, 000 yen per month): 3 million yen total: 6 million yen expenditure 493000 yen Monthly income more replacement of household appliances 320000 yen annual bonus 600000 yen net income family income cash payment is food expenses, daily necessities expenses, other accounts for a lot. I was surprised to see the amount of the claim, but did not confirm the details. The use of the bonus 600000 yen of the bonus is largely transferred to savings, but it is added to the purchase of household appliances and lossmaking household spending. Insurance details husband's life insurance 3000 yen couple's medical insurance 9000 yen student insurance (due at the age of 18 / 2 million yen) x 2 children's high school hope for 20, 000 yen per month is public, but it is uncertain after graduating from high school. When FP advises children to go to universities outside the county, they worry about the cost of education and the living expenses of the rest of the family. In addition, the risk of a reduction in bonuses needs to be considered. In order to choose a way out and reassure the cost of living, make a plan for the cost of education. In addition, with the development of no cash, if you can't take cash with you, you will lose the sense of money and overuse it. If you make requests and arrangements from behind, you will pursue deficits more and more. If we improve household spending and re-examine the way money is used, we should also be able to save for education and pension funds. Think about what to do in the future. Recommendation 1: determine the upper limit and use a cashless settlement that prevents overuse. Because it will be deducted from the account after the date of purchase, you will forget how much you spent. According to the "Household Survey" of the Ministry of General Affairs in 2020, the average "expenditure on food, furniture and household items" of working families with more than two people is about 93000 yen a month. In Mr. Xue's household expenditure, the expenditure on "meals and daily necessities" seems to be higher than the national average. To prevent overuse in cashless settlement, use the prepaid recharge function to pre-determine the upper limit of the amount used. After using cashless payment, you can view the purchase history. If you look back to see if there is any waste, you can also re-recognize the use of money. Suggestion 2: save money on a regular basis and then accumulate another 10,000 yen a month. The child's allowance lasts until the third grade of junior high school. Use the children's allowance to fund education. For example, suppose your child goes to a private college. According to the survey results of the Ministry of Education, Education, Science and Technology, according to the average amount of education expenses, the education cost for two people is 15.29 million yen. The educational cost of the fourth grade of the third grade of the eldest son is 6.84 million yen, and that of the second son is 8.45 million yen, an increase of 120000 yen per year, but the educational cost is still not enough. If you accumulate 20, 000 yen a month with the deposit, you will increase your savings by 2.4 million yen in 10 years. If part of the bonus is invested in education, it will be ready. However, during this period, there will also be unexpected fees such as obtaining a driver's license, a bar mitzvah, and buying a computer to be used in learning. Let's include such expenses in the plan. Recommendation 3: pension funds are countermeasures to increase income by sideline. Education funds are prepared by increasing savings. However, the current situation is that pension funds are worrying. Unemployed families over the age of 65 spend about 250000 yen a month. In order to live a relaxed life in old age, you can increase your income through sideline. Now at home, there are also new types of jobs that can increase income through sideline. If it is a job that can be done at home, you can also take care of housework, childcare and odd jobs. Consider it as an option to increase your income. The education fee about the consultant's feeling is very general, and I think it's very good to calculate it carefully this time. From now on, I want to accumulate funds for education in a planned way. In addition, if I make money is good for my family, I will work hard. Thank you for your affectionate advice. Yano Mimi and Yano Maimi women's money expert (AFP qualification holder), my life benefits (R) determined that the lecturer, single mother of three children living in Oita prefecture / adjusted the balance of "heart, time, money" for her own life, raising children and work are very important. To make a stress-free life better. In order to support professional women, so that children and adults can smile through the society, with this idea of activity. We also provide SNS support for everyone to start a business to attract customers.

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