1年間分析して分かった、赤字家計の本当の原因

It's almost been a year since I started managing our household finances and this channel. As a milestone, I reviewed all of our household accounts for the past year and thoroughly analyzed the culprits behind our deficit. Even though we keep a household budget every month, we just can't seem to escape the red... So, based on a year's worth of data, we'll find the points that our family truly needs to improve. What I realized from the analysis wasn't about "finding the culprit," but rather what's important for creating a household budget that doesn't go into deficit. I hope this will be helpful to others who are also working hard on household finances and saving money 😊 🧑‍🧑‍🧒‍🧒Our Family Members Yoko: A part-time housewife in her 40s Dad: A man in his 40s whose life revolves around evening drinks Eldest Son: A 5th grader going through a lot of internal struggles Second son: A cheerful, energetic third grader Net income in the 400,000 yen range, living in a rural area, with mortgages on both a house and a car. Monthly household budget    • 毎月の家計管理   Summer bonus and special expense allocation breakdown here    • 【夏ボーナス公開】30代夫＆パート主婦｜いくらあっても足りない…リアルな使い道   Saving challenge videos    • 節約チャレンジ   Our family's financial situation    • 我が家のお金事情   👛 About this channel A spendthrift, lazy housewife is striving to save 1 million yen! ✔️ Household Budget Revealed ✔️ Payday Routine ✔️ Savings Challenge We share our real life, focusing on these topics. If you'd like to work on managing your household finances together, please subscribe to our channel! 😊 📺 Subscribe Here    / @よーこんち   #CausesOfDeficit #HouseholdBudget #HouseholdManagement #FamilyOf4 #DeficitHousehold #SpecialExpenses #HouseholdBudgetRevealed #AudioAvailable 【Chapters】 00:00 Opening 00:42 Our Current Situation 02:19 Suspects for the Deficit 03:03 Thorough Examination of the Suspects 08:31 The Real Truth About the Deficit 10:19 Three Points for Improvement 12:35 Summary