メインは単元未満株による投資、次に副業、それから家計管理です。スマホ、タブレットでの閲覧時・記事内の画像表示が粗い場合は、恐れ入りますがもう一度該当画像をタップして画像単体を表示させた後更にタップしてみて下さい(お手間かけて申し訳ありません)よろしくお願いいたします。 ※ブログ内カテゴリから記事を読みたい場合はPC版テンプレートに切り替えて、サイドバーの方のカテゴリ一覧からお読み下さい。
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前々回の「家計全般」のカテゴリの記事はかなりの時間をかけて書いたんですが、今回はもっと時間がかかりました。ほぼ丸一日かかってますw (大半がOpenOfficeの使い方わからねー!うがぁぁっっーーー!!!で、あれこれ検索してました。。。)

前々回同様(このカテゴリの前回の記事は、1ヶ月間の家計支出とはまた違ったテーマで書いてます)微に入り細に入り、かつよりスッキリとまとめて更新するつもりでしたが、完璧にやっちゃうとネットで調べたら完全に身バレしてもおかしくないので、ちょっとはぼやかしつつまとめていこうと思います。

先月の投資を除いた家計支出は合計130,183円と予算111,429円を18,754円もオーバーしています。

支出の内訳を金額の高い順に並べると(こちらのテーブルタグ自動作成サイトを利用させて頂いてます 幅は350ピクセルで作成しました。閲覧環境によっては崩れた表示になるかもですが、ご了承下さい)

支出項目 支出金額 備考
家賃 35,000
食料品 30,309 外食、飲料品単体購入は含まず
その他1    19,365 内12,528円はタブレット関係
通院関係    11,350 内8,640円は診断書代
通信費    8,529 ネット+格安SIM
その他2    7,203 飲料品の購入がほとんど
ガソリン    4,311 内車の給油1回
外食    3,532 @883✕4
ガス料金    3,348
電気料金    2,772
医療保険    2,100 国民健康保険
参考書    1,490 書籍4冊
レジャー    388 ヒトカラ1時間
カフェ    270
消耗品    216 クレンザー他

と、なりました。

タブレット(とその保証料とか付随品とか)買わない&病院で診断書書いてもらわないを実行してたら予算内に収まるんですが、それしたら楽天マガジンで東洋経済をシコシコ読めてないし・障害基礎年金の受給も止められてしまいます、機会損失回避のためのやむを得ざる出費です。

その代わり普段はやらない予算オーバーを受けた、翌月(つまりは12月分)の予算縮小という事を今回は試みにやっています。こりゃー障害基礎年金減額を見据えたシュミレーション代わりになるなと思っていた矢先に、通勤メインに乗ってるカブの修理が12月月初にあり、余計にシビアな予算で1ヶ月をやり過ごすという試みを現時点で実行中です (;_;)

まあ予測通り年金が減額になって、月収が減って、その中で一ヶ月の生活と投資と貯金をトリプルでやっていこうとなれば、今が試金石となっているのかもしれません。

閑話休題、11月の支出の話に戻ります。

一応表を見ると家賃が支出金額第1位になるんですが、鋭い方はお察しのハズ!本当の1位は飲食関係なんですね。

食料品+その他2+外食+カフェの4連コンボで、41,653円もの出費となっています!(その他2は便宜上100%飲料品購入に充てたものとします)

ほげー!という金額ですが、前前月の10月は飲食関係の出費が46,578円だったので先月と比べると4,925円も抑えれています。もしかしたら、、、もうちょっとだけ費用抑えたら、後はQOL的にキープ出来てればいいよ~という項目なのかもしれません。

続いて実質2位の家賃、悩まされてます。

第3位のその他1、タブレット以外は何に使ったかというとフィギュア3体で2,520円・普段通ってるスポーツ施設の方々と忘年会の会費・障害者手帳の更新用に証明写真撮影etc、、、に使いました。フィギュア3体で2,520円というのが個人的に振り返ってみて、物欲がにじみ出てるなあと思います、、、まあ今月節約で埋め合わせします!後証明写真は普通のその辺に設置してある無人撮影機で撮影したのですが、他の方法を取ればもっと安上がりに出来たので金額的には少額?ですがもっと鋭敏な倹約センスを持たなければ!と思います。

以上、2017年11月の家計支出(投資支出除く)を振り返りました。今回の記事を書くのはとても大変だったし、訪問して読んで下さる方々にも「読む労力」を強いるモノになりましたが、自分のスキル向上にはとても有意義であったと思います。そして、ここまで読んでくださった方々に一言、お疲れちゃん♪

PS:どうやら支出の一覧表が上手く表示出来てるようなので、毎度アップしていたZaimの総支出を表す円グラフは記事のボリュームを下げるために非公開といたします。

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