Parenting Financial Support & Saving Tips

Parenting Dad:
Our expenses have gone up since the baby was born...
Where should we start with saving for a family with kids?

Childcare Planner:
The first thing I recommend is reviewing your fixed costs☺️
A big benefit is that once you review them, the savings effect continues every month✨

For example👇
📱 smartphone plans
If you review your family's plan, you can see a difference of about 3,000 to 8,000 yen per month as well.

📺 subscriptions
It helps to clear things up by keeping only the ones you use every week, like video or music services.

🚗 insurance
People tend to increase their insurance after having a child, so I also recommend organizing your coverage details once.

Parenting Mom:
I feel like our food expenses are also increasing quite a bit...

Childcare Planner:
For food expenses, saving by setting rules is easier to stick with than just 'enduring' it🍳

For example👇
・Shop in bulk once a week
・Decide on 3-4 meal patterns
・Utilize ingredients that can be frozen

Even just doing this will reduce wasteful spending and make it easier to manage✨

Parenting Mom:
Do points and things like that also help with saving?

Childcare Planner:
They do💰
The trick is to narrow down the stores you use often to 2 or 3 like supermarkets or drugstores.

Parenting Mom:
Children's goods cost quite a lot, don't they...

Childcare Planner:
That's true👶
However, since many children's items are only used for a short period,

・Children's clothes
・Toys
・Strollers

and such can sometimes be saved on by using flea markets or hand-me-downs✨

Parenting Dad:
In reality, how much can you actually save?

Childcare Planner:
For example, here is a case study👇

Example of monthly savings for a family with kids

Smartphone: 12,000 yen → 7,000 yen
Subscriptions: 3,000 yen → 1,000 yen
Food: 80,000 yen → 70,000 yen
Daily necessities: 12,000 yen → 10,000 yen
Point rewards: equivalent to -2,000 yen

➡️ approx. 21,000 yen saved per month

If you keep this up,
➡️ you will save about 250,000 yen per year✨

Childcare Planner:
When it comes to saving for families raising children, especially

1. Reviewing fixed costs
2. Establishing rules for food expenses

These two are effective, and it is not rare for families to save over 200,000 yen a year☺️