A double-income couple who is a full-time employee, and why they were able to significantly reduce their housing costs. Some months save 70% of monthly income

What is the key to improving household finances in 2022 in a world where prices are rising even though salaries are not rising? A thorough dissection of the “three arrows” of “double income x side business x investment” found in the household account book with an annual household income of 10 million yen. This time, we will reveal the "successful family budget" that is managed by a couple! ⇒ [Table] Breakdown of household budget

Some months you save 70% of your monthly income! FIRE will also be possible in 7 more years It can exceed 70%.Our goal is to invest 400,000 yen every month." 　Mr. and Mrs. Morita (pseudonyms, both in their 30s) who live in Fukuoka prefecture said so. Her husband, Shota, and his wife, Misuzu, both work full-time (the wife is currently on maternity leave), and their annual household income is about 13 million yen. The positive part of the monthly income and expenditure was invested mainly in index funds, and the assets exceeded 40 million yen in 6 years. “If we continue to operate at an annual interest rate of 5%, we expect to reach 100 million yen in assets in about 7 years and be able to FIRE.” (Mr. Misuzu)

Decrease in housing expenses

However, even with a sufficient income, it is not easy to save 70% of your monthly income. "The impact of the drastic reduction in housing costs has been great. In fact, three years ago, my husband and I moved from Tokyo using the company's transfer system." Luckily, both my husband and I were able to get a transfer to Fukuoka, and we were able to reduce our monthly housing expenses to a quarter. I was

Thoroughly reduce fixed costs

In addition, as Fukuoka is said to be a compact city, "You don't need a car to get around," says Shota. "We are canceling all unnecessary insurance and thoroughly reducing fixed costs." "Payment is almost cashless and makes full use of the Rakuten economic zone. My husband uses Excel to calculate the data, while cheap SIM is used for mobile phones and Money Forward is used to record income and expenditure. In that case, you only need the free function and the annual membership fee is sufficient. (laughs) We know each other's money in increments of 1 yen.However, our motto is 'balanced spending'.We want to make housework more efficient, so we use dishwashers and drums. I also bought a washing machine and a robot vacuum cleaner, and food expenses are a little high at 100,000 yen, but this is also because I often use the home delivery service as part of my efficiency."　Buying the latest cooking appliances to save time. His wife, who is also practicing cooking, says, "It cost money, but it turned out to be a great answer!"