【注意！】2026年4月から変わる130万円の壁

The statement "Overtime pay is excluded" is incorrect! While it says the ¥1.3 million income threshold will be "relaxed" from April 2026, this doesn't apply to everyone. Overtime pay isn't necessarily excluded either, so carefully check your employment contract and work conditions notice to ensure everything is alright. You can also ask questions directly in our membership (online salon)! https://fpnanako-salon.fants.jp/ Our popular email newsletter, where you can save money just by reading! 15 Habits for Working Women to Save Money Free 75-page PDF available now! https://mamasuma.com/mailmagazine/ You can also accurately calculate your necessary retirement funds! ▼A Lifelong Guide to Household Finances: Saving Money Without a Budget Book https://mamasuma.com/publishing-kakei... FP Nanako's [Financial Literacy Classroom for Working Women] delivers tips and information to protect your household finances every Tuesday around 6 PM, for working women, housewives, and anyone who works hard every day. This includes smart financial wisdom, points to avoid money-related troubles, and tips for skillfully increasing your assets. Tsukagoshi Nanako Profile ――――――――――――――――― Born in Kanagawa Prefecture in 1984 Lives with her husband and two elementary school-aged children (4 people total) Worked at a tax accountant's office for over 10 years from 2007. Involved in accounting and tax return preparation for over 500 companies. While working in corporate labor and tax affairs, I realized the need to raise the financial literacy of general consumers and employees, and became an independent financial planner who does not handle insurance or financial products. 2009: Passed the Level 2 Financial Planner Skills Test, AFP certified 2017: Passed the Level 1 Financial Planner Skills Test, CFP® certified 2020: Published "Write It Down and Save! A Lifelong Household Budget Management Guide Perfect for Dual-Income Couples" (Shoeisha) 2024: Published "46 Things You Can Do Now to Eliminate Financial Worries Forever" (Fusosha) 2024: Published "38 Tips for People Struggling with the 'Dependent Limit' to Avoid Working at a Loss" (Tokyo News Service) 2025: Published "Financial Planner's Money Knowledge: A Summary of Only the Parts That Benefit You in Everyday Life" (KADOKAWA) A financial planner who does not sell insurance (CFP, Level 1 Financial Planning Skills Specialist). Born in Kanagawa Prefecture in 1984. She worked at a tax accounting firm for 15 years, handling the financial accounting of over 500 companies and individuals. After becoming independent in 2017, she has supported the household finances and asset management of 3,000 people. She independently developed a "Household Finance Reform Program" that creates a system for saving money without keeping a household budget. Her program, which focuses on spending money on what is important to the family rather than conforming to the average household budget, has been well-received. Supported by many women, she receives numerous testimonials such as "I improved my monthly deficit of 280,000 yen" and "My household as a full-time housewife was able to save 2 million yen annually." She uses social media and YouTube to explain everyday financial matters in an easy-to-understand way. In her personal life, she is a mother of two. She has made numerous media appearances, including on NHK's Asaichi, Nippon Television's ZIP!, and TV Tokyo's World Business Satellite. Her book is titled "You Can Save Money by Writing It Down!" Published works include: "Lifelong Household Budgeting Management Perfect for Dual-Income Couples" (Shoei-sha), "46 Things You Can Do Now to Eliminate Financial Worries Forever" (Fuso-sha), and "38 Tips for People Struggling with the 'Dependent Limit' to Avoid Working for Losses" (Tokyo News Service). Currently producing household budgets that save millions of yen annually using the "Household Budgeting Reform Method" that creates a budget that saves money without a household budget book. ---------------------------------- [Official Website] https://mamasuma.com/ [Social Media] Facebook→  / nanako.tsukagoshi   Instagram→  / nanako_fp_official   X (Twitter)→https://x.com/fp_nanako Inquiries: [email protected]