#102【家計管理】借金340万主婦　2025.3月家計簿| 完済まで残り27万円|共働きだけど全然余裕ない#借金返済#家計簿#節約

https://www.youtube.com/watch?v=T_br-3mfONw

Summary

TL;DR — This video details a household's March 2025 budget, focusing on debt repayment and managing finances as a dual-income family. Despite a significant income boost from the husband's job change and a special employment subsidy, the family faced unexpectedly high utility bills and overspent their living expenses budget, largely due to the husband's increased spending and the wife's miscalculation. The remaining surplus will be set aside for potential car repairs or replacement rather than being applied to debt, highlighting a conflict between debt reduction and necessary large expenditures.

Key points

• The household's March 2025 budget saw a total income of 705,000 yen, including the husband's full salary after a job change and a 335,000 yen early employment subsidy.

• Utility costs were unexpectedly high at 29,000 yen, nearly double the previous year's usage due to the husband's presence, with significant increases in electricity and water consumption.

• The living expenses (yarikurihi) budget of 80,000 yen was exceeded, reaching 111,051 yen, partly because 13,000 yen of the husband's credit card spending was preemptively deducted from this budget, and the food budget alone went significantly over.

• The husband's credit card spending, while reduced from previous months, remained high at 67,000 yen, contributing to the overall financial strain.

• Special expenses for the month included 10,000 yen for the husband's professional qualification, 15,000 yen for car tires, 7,500 yen for work supplies, and 9,500 yen for a child's reward toy.

• A significant portion of the surplus (248,000 yen) will be saved for potential car maintenance (timing belt replacement estimated at 100,000 yen) and the upcoming vehicle inspection (estimated at 100,000 yen), delaying further debt repayment.

Takeaway — Even with increased income, careful budgeting and expense tracking are crucial, especially when unexpected costs arise or when balancing debt repayment with essential large expenditures like vehicle maintenance.