{"id":1117,"date":"2019-09-12T16:20:07","date_gmt":"2019-09-12T07:20:07","guid":{"rendered":"https:\/\/fpbank.sakura.ne.jp\/?post_type=column&amp;p=1117"},"modified":"2019-09-12T16:20:07","modified_gmt":"2019-09-12T07:20:07","slug":"dont-save-no-need-household-account-book","status":"publish","type":"post","link":"https:\/\/fpbank.co.jp\/column\/dont-save-no-need-household-account-book","title":{"rendered":"\u7bc0\u7d04\u3044\u3089\u305a\uff01\u5bb6\u8a08\u7c3f\u3044\u3089\u305a\uff01\u8caf\u91d1\u304c\u82e6\u624b\u306a\u4eba\u306b\u3053\u305d\u53d6\u308a\u5165\u308c\u305f\u3044\u65b9\u6cd5\u3068\u306f\uff1f"},"content":{"rendered":"\n<p>\u7bc0\u7d04\u3082\u5bb6\u8a08\u7c3f\u3082\u7d99\u7d9a\u3057\u3066\u306a\u3093\u307c\u3002\u3042\u306a\u305f\u306f\u7d99\u7d9a\u3059\u308b\u81ea\u4fe1\u306f\u3042\u308a\u307e\u3059\u304b\uff1f\u4fbf\u5229\u306a\u30a2\u30d7\u30ea\u304c\u3042\u3063\u3066\u3082\u6d3b\u7528\u3067\u304d\u306a\u304d\u3083\u610f\u5473\u304c\u306a\u3044\u3002\u304a\u91d1\u3092\u8caf\u3081\u308b\u3053\u3068\u306b\u5411\u304d\u30fb\u4e0d\u5411\u304d\u306f\u3042\u308a\u307e\u305b\u3093\u3002\u6c17\u3065\u3044\u3066\u884c\u52d5\u3057\u305f\u3082\u306e\u52dd\u3061\uff01\u3000\u3053\u3053\u3067\u306f\u3082\u306e\u3046\u3055\u3067\u3082\u304a\u91d1\u304c\u8caf\u307e\u308b\u65b9\u6cd5\u3092\u4f1d\u6388\u3057\u307e\u3059\u3002<\/p>\n<div id=\"toc_container\" class=\"no_bullets\"><p class=\"toc_title\">\u76ee\u6b21<\/p><ul class=\"toc_list\"><li><a href=\"#i\">\uff11\uff0e\u304a\u91d1\u3092\u8caf\u3081\u3089\u308c\u308b\u4eba\u3001\u8caf\u3081\u3089\u308c\u306a\u3044\u4eba\u306e\u6c7a\u5b9a\u7684\u306a\u9055\u3044\u306f\u3053\u3053\u3060\uff01<\/a><ul><li><a href=\"#i-2\">\uff08\uff11\uff09\u3042\u306a\u305f\u306f\u3001\u3044\u3064\u307e\u3067\u306b\u3001\u3044\u304f\u3089\u8caf\u3081\u305f\u3044\u3067\u3059\u304b\uff1f<\/a><\/li><li><a href=\"#i-3\">\uff08\uff12\uff09\u8caf\u91d1\u4f53\u8cea\u306f\u3069\u3063\u3061\uff1f<\/a><\/li><li><a href=\"#i-4\">\uff08\uff13\uff09\u5bb6\u8a08\u7c3f\u3044\u3089\u305a\u306e\u7ba1\u7406\u6cd5<\/a><\/li><\/ul><\/li><li><a href=\"#NoNo\">\uff12\uff0eNo\u5bb6\u8a08\u7c3f\u30fbNo\u7bc0\u7d04\u3001\u5177\u4f53\u7684\u306a\u65b9\u6cd5\u306f\uff1f<\/a><ul><li><a href=\"#i-5\">\uff08\uff11\uff09\u8caf\u91d1\u3059\u308b\u984d\u306e\u6c7a\u3081\u65b9<\/a><\/li><li><a href=\"#i-6\">\uff08\uff12\uff09\u5177\u4f53\u7684\u306a\u65b9\u6cd5<\/a><\/li><\/ul><\/li><li><a href=\"#i-7\">\uff13\uff0e\u3055\u3089\u306b\u5f97\u3059\u308b\uff01\u304a\u91d1\u306e\u5897\u3084\u3057\u65b9\u306f\u3053\u308c\u3060\uff01<\/a><ul><li><a href=\"#i-8\">\uff08\uff11\uff09\u7a0e\u5236\u306e\u30e1\u30ea\u30c3\u30c8\u3092\u6d3b\u7528\u3057\u3088\u3046\uff01<\/a><\/li><li><a href=\"#i-9\">\uff08\uff12\uff09\u300c\u6295\u8cc7\u300d\u3092\u59cb\u3081\u3066\u307f\u3088\u3046\uff01<\/a><\/li><\/ul><\/li><li><a href=\"#i-10\">\uff14\uff0e\u307e\u3068\u3081<\/a><\/li><\/ul><\/div>\n<h2><span id=\"i\"><strong>\uff11\uff0e\u304a\u91d1\u3092\u8caf\u3081\u3089\u308c\u308b\u4eba\u3001\u8caf\u3081\u3089\u308c\u306a\u3044\u4eba\u306e\u6c7a\u5b9a\u7684\u306a\u9055\u3044\u306f\u3053\u3053\u3060\uff01<\/strong><\/span><\/h2>\n<p>\u300c\u3069\u3046\u3057\u305f\u3089\u52b9\u7387\u3088\u304f\u8caf\u91d1\u3067\u304d\u308b\u306e\u304b\uff1f\u300d\u300c\u7bc0\u7d04\u4e0a\u624b\u306a\u65b9\u6cd5\u3063\u3066\u4f55\uff1f\u300d\u306a\u3069\u3088\u308a\u826f\u3044\u5bb6\u8a08\u306e\u7ba1\u7406\u65b9\u6cd5\u3092\u77e5\u308a\u305f\u3044\u3068\u3044\u3046\u58f0\u3092\u3088\u304f\u805e\u304d\u307e\u3059\u3002\u3053\u3053\u3067\u306f\u300c\u78ba\u5b9f\u306b\u8caf\u91d1\u304c\u8caf\u3081\u3089\u308c\u308b\u4eba\u300d\u306b\u306a\u308b\u30dd\u30a4\u30f3\u30c8\u3092\u5b66\u3073\u3001\u5c06\u6765\u304c\u697d\u3057\u307f\u306b\u306a\u308b\u5bb6\u8a08\u7ba1\u7406\u65b9\u6cd5\u3092\u5b9f\u8df5\u3057\u307e\u3057\u3087\u3046\u3002<\/p>\n<h3><span id=\"i-2\">\uff08\uff11\uff09<strong>\u3042\u306a\u305f\u306f\u3001\u3044\u3064\u307e\u3067\u306b\u3001\u3044\u304f\u3089\u8caf\u3081\u305f\u3044\u3067\u3059\u304b\uff1f<\/strong><\/span><\/h3>\n<p>\u4e0a\u624b\u306a\u300c\u8cc7\u7523\u5f62\u6210\u300d\u3084\u52b9\u7387\u7684\u306a\u300c\u5bb6\u8a08\u7ba1\u7406\u300d\u306b\u3064\u3044\u3066\u805e\u304b\u308c\u308b\u3053\u3068\u304c\u3088\u304f\u3042\u308a\u307e\u3059\u3002<\/p>\n<p>\u305d\u306e\u6642\u306b\u3001\u5fc5\u305a\u6700\u521d\u306b2\u3064\u8cea\u554f\u3057\u307e\u3059\u3002<\/p>\n<p>\u2460\u300c\u5c06\u6765\u3044\u304f\u3089\u8cc7\u7523\u304c\u3042\u308b\u3068\u5b89\u5fc3\u3067\u3059\u304b\uff1f\u300d<\/p>\n<p>\u2461\u300c\u3044\u3064\u307e\u3067\u306b\u8caf\u3081\u305f\u3044\u3067\u3059\u304b\uff1f\u300d<\/p>\n<p>\u3053\u306e2\u3064\u306e\u8cea\u554f\u306b\u660e\u78ba\u306b\u7b54\u3048\u3089\u308c\u308b\u4eba\u306f\u3001\u4e0a\u624b\u306b\u8caf\u91d1\u3067\u304d\u3066\u3044\u307e\u3059\u3002\u3053\u306e2\u3064\u304c\u308f\u304b\u3063\u3066\u3044\u308b\u304b\u3069\u3046\u304b\u3067\u3001\u305d\u306e\u4eba\u306e\u300c\u8a08\u753b\u6027\u300d\u304c\u308f\u304b\u308b\u306e\u3067\u3059\u3002<\/p>\n<p>\u300c\u81ea\u5206\u304c\u3044\u304f\u3089\u8caf\u3081\u305f\u3044\u306e\u304b?\u300d\u300c\u3044\u3064\u307e\u3067\u306b\u8caf\u3081\u305f\u3044\u306e\u304b\uff1f\u300d\u3092\u6c7a\u3081\u3066\u3044\u306a\u3044\u3068\u3001\u8a08\u753b\u7684\u306a\u8caf\u91d1\u3084\u5bb6\u8a08\u7ba1\u7406\u306e\u65b9\u91dd\u304c\u7acb\u3066\u3089\u308c\u3066\u3044\u306a\u3044\u305f\u3081\u3001\u7d50\u679c\u7684\u306b\u7bc0\u7d04\u3082\u8cc7\u7523\u5f62\u6210\u3082\u3067\u304d\u306a\u3044\u3068\u3068\u3044\u3046\u3053\u3068\u306b\u306a\u3063\u3066\u3057\u307e\u3046\u304b\u3089\u3067\u3059\u3002<\/p>\n<h3><span id=\"i-3\">\uff08\uff12\uff09<strong>\u8caf\u91d1\u4f53\u8cea\u306f\u3069\u3063\u3061\uff1f<\/strong><\/span><\/h3>\n<p>\u3069\u3061\u3089\u304c\u300c\u304a\u91d1\u304c\u8caf\u307e\u308a\u3084\u3059\u3044\u30e9\u30a4\u30d5\u30b9\u30bf\u30a4\u30eb\u300d\u3092\u3057\u3066\u3044\u308b\u3067\u3057\u3087\u3046\uff1f<\/p>\n<p><strong>\uff21\u3055\u3093\uff1a\u4e00\u304b\u6708\u751f\u6d3b\u3092\u3057\u3066\u6b8b\u3063\u305f\u304a\u91d1\u3092\u8caf\u91d1\u306b\u307e\u308f\u3059<\/strong><\/p>\n<p><strong>\uff22\u3055\u3093\uff1a\u3042\u3089\u304b\u3058\u3081\u6c7a\u307e\u3063\u305f\u8caf\u91d1\u984d\u3092\u5f15\u3044\u3066\u3001\u6b8b\u308a\u306e\u984d\u3067\u751f\u6d3b\u3059\u308b<\/strong><\/p>\n<p>\u7b54\u3048\u306f\u3001\uff22\u3055\u3093\u3002<\/p>\n<p>A\u3055\u3093\u306e\u3088\u3046\u306b\u3001\u304a\u7d66\u6599\u3092\u3082\u3089\u3063\u3066\u81ea\u7531\u306b\u751f\u6d3b\u3057\u3066\u4f7f\u3044\u3001\u6b8b\u3063\u305f\u304a\u91d1\u3092\u8caf\u91d1\u306b\u56de\u3059\u3068\u3044\u3046\u306e\u306f\u3001\u304a\u91d1\u3092\u8caf\u3081\u308b\u306b\u306f\u4e0d\u5411\u304d\u306a\u751f\u6d3b\u30b9\u30bf\u30a4\u30eb\u3067\u3059\u3002<\/p>\n<p>B\u3055\u3093\u306e\u3088\u3046\u306b\u3001\u304a\u7d66\u6599\u304b\u3089\u3042\u3089\u304b\u3058\u3081\u300c\u5fc5\u8981\u306a\u652f\u51fa\u300d\u3068\u3057\u3066\u6c7a\u3081\u305f\u91d1\u984d\u3092\u5f15\u3044\u3066\u304a\u304f\u3002\u3059\u308b\u3068\u3001\u6b8b\u308a\u306e\u304a\u91d1\u3067\u751f\u6d3b\u3059\u308b\u3088\u3046\u306b\u306a\u308a\u307e\u3059\u3002<\/p>\n<h3><span id=\"i-4\">\uff08\uff13\uff09<strong>\u5bb6\u8a08\u7c3f\u3044\u3089\u305a\u306e\u7ba1\u7406\u6cd5<\/strong><\/span><\/h3>\n<p>\u300c\u7bc0\u7d04\u300d\u300c\u5bb6\u8a08\u7ba1\u7406\u300d\u3068\u805e\u304f\u3068\u3001\u3044\u308d\u3044\u308d\u6211\u6162\u3057\u3066\u3001\u52aa\u529b\u3084\u6839\u6c17\u304c\u5fc5\u8981\u306a\u306e\u304b\u306a\u3068\u3044\u3046\u30a4\u30e1\u30fc\u30b8\u3092\u304a\u6301\u3061\u306e\u65b9\u304c\u591a\u3044\u304b\u3082\u3057\u308c\u307e\u305b\u3093\u3002\u305d\u308c\u306f\u672c\u5f53\u3067\u3057\u3087\u3046\u304b\u3002<\/p>\n<p>\u4e0a\u624b\u306b\u8caf\u91d1\u3084\u5bb6\u8a08\u7ba1\u7406\u304c\u51fa\u6765\u306a\u304b\u3063\u305f\u4eba\u306f\u3001\u305d\u306e\u4eba\u81ea\u8eab\u306e\u6027\u683c\u306b\u554f\u984c\u304c\u3042\u308b\u3068\u3044\u3046\u3088\u308a\u3001\u3044\u3064\u307e\u3067\u306b\u3044\u304f\u3089\u8caf\u3081\u3066\u3001\u6bce\u6708\u5165\u3063\u3066\u304f\u308b\u304a\u91d1\u304b\u3089\u300c\u8caf\u91d1\u3059\u308b\u984d\u3092\u6c7a\u3081\u3066\u3044\u306a\u304b\u3063\u305f\u300d\u3060\u3051\u306a\u306e\u3067\u306f\u306a\u3044\u3067\u3057\u3087\u3046\u304b\u3002<\/p>\n<p>\u300c\u8caf\u91d1\u3059\u308b\u984d\u3092\u3042\u3089\u304b\u3058\u3081\u6c7a\u3081\u308b\u300d\u3068\u3001\u652f\u51fa\u306e\u5275\u610f\u5de5\u592b\u304c\u81ea\u7136\u3068\u3067\u304d\u308b\u3088\u3046\u306b\u306a\u308a\u3001\u304a\u91d1\u304c\u8caf\u307e\u308a\u3084\u3059\u3044\u751f\u6d3b\u7fd2\u6163\u304c\u8eab\u306b\u4ed8\u304d\u307e\u3059\u3002<\/p>\n<p>\u300c\u8caf\u3081\u308b\u4ed5\u7d44\u307f\u3092\u3064\u304f\u3063\u3066\u3057\u307e\u3046\u300d\u3053\u3068\u304c\u3001\u697d\u306a\u5bb6\u8a08\u7ba1\u7406\u65b9\u6cd5\u306a\u306e\u3067\u3059\u3002<\/p>\n<h2><span id=\"NoNo\"><strong>\uff12\uff0eNo\u5bb6\u8a08\u7c3f\u30fbNo\u7bc0\u7d04\u3001\u5177\u4f53\u7684\u306a\u65b9\u6cd5\u306f\uff1f<\/strong><\/span><\/h2>\n<p>\u8caf\u91d1\u3059\u308b\u984d\u3092\u3042\u3089\u304b\u3058\u3081\u6c7a\u3081\u308b\u3068\u3044\u3063\u3066\u3082\u3001\u76ee\u5b89\u304c\u308f\u304b\u3089\u306a\u3044\u3068\u56f0\u308a\u307e\u3059\u3088\u306d\u3002\u3053\u3053\u3067\u306f\u3001\u3054\u592b\u5a662\u4eba\u3067\u5fc5\u8981\u306a\u8001\u5f8c\u8cc7\u91d1\u3092\u76ee\u6a19\u984d\u3068\u3057\u3066\u8a08\u7b97\u3057\u3066\u307f\u307e\u3059\u3002<\/p>\n<h3><span id=\"i-5\">\uff08\uff11\uff09\u8caf\u91d1\u3059\u308b\u984d\u306e\u6c7a\u3081\u65b9<\/span><\/h3>\n<h4>\u2460\u76ee\u6a19\u984d<\/h4>\n<p>\u4e00\u822c\u7684\u306b\u3054\u592b\u5a662\u4eba\u306e\u3086\u3068\u308a\u3042\u308b\u751f\u6d3b\u8cc7\u91d1\u306f\u300135\u4e07\/\u6708\u3068\u8a00\u308f\u308c\u308b\u3053\u3068\u304c\u591a\u3044\u306e\u3067\u3001\u3053\u306e\u91d1\u984d\u306790\u6b73\u307e\u3067\u306e\u8cc7\u91d1\u3092\u6e96\u5099\u3059\u308b\u30b1\u30fc\u30b9\u3092\u76ee\u6a19\u984d\u306b\u3057\u3066\u307f\u307e\u3057\u3087\u3046\u3002<\/p>\n<ul style=\"list-style-type: square;\">\n<li>90\u6b73\u307e\u3067\u306e\u5fc5\u8981\u751f\u6d3b\u8cc7\u91d1\uff1a35\u4e07\u5186\u00d712\u304b\u6708\u00d725\u5e74(90\u6b73-65\u6b73)\uff1d10,500\u4e07\u5186<\/li>\n<li>\u516c\u7684\u5e74\u91d1\u306e\u53d7\u53d6\u898b\u8fbc\u984d(\u592b\uff1a\u539a\u751f\u5e74\u91d1\u3000\u59bb\uff1a\u4e3b\u5a66\u306e\u5834\u5408)\uff1a<br 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id=\"i-10\"><strong>\uff14\uff0e\u307e\u3068\u3081<\/strong><\/span><\/h2>\n<p>\u3053\u306e\u30b3\u30e9\u30e0\u3067\u306f\u3001\u5148\u305a\u300c\u8caf\u3081\u308b\u4ed5\u7d44\u307f\u3065\u304f\u308a\u300d\u3001\u8caf\u91d1\u306e\u4e88\u7b97\u306e\u53d6\u308a\u65b9\u306b\u89e6\u308c\u3066\u304d\u307e\u3057\u305f\u3002\u5bb6\u8a08\u7c3f\u3044\u3089\u305a\u3067\u3001\u7bc0\u7d04\u3044\u3089\u305a\u3002\u4ed5\u7d44\u307f\u3092\u4f5c\u308b\u3053\u3068\u304c\u91cd\u8981\u3067\u3057\u305f\u306d\u3002<\/p>\n<p>\u6b21\u306e\u30b9\u30c6\u30c3\u30d7\u306f\u3001\u6700\u5f8c\u306b\u5c11\u3057\u89e6\u308c\u305f\u300c\u6295\u8cc7\u300d\u3092\u53d6\u308a\u5165\u308c\u3066\u3001\u91d1\u5229\u3084\u6642\u9593\u3092\u5473\u65b9\u306b\u3064\u3051\u3066\u3088\u308a\u52b9\u7387\u7684\u306b\u304a\u91d1\u3092\u5897\u3084\u3059\u3053\u3068\u3067\u3059\u304c\u3001\u3053\u3053\u3067\u306f\u4f1d\u3048\u304d\u308c\u306a\u3044\u306e\u3067\u3001\u307e\u305f\u306e\u30b3\u30e9\u30e0\u3092\u304a\u697d\u3057\u307f\u304f\u3060\u3055\u3044\u3002<\/p>\n<p>\u4e00\u756a\u5927\u4e8b\u306a\u306e\u306f\u3001\u884c\u52d5\u3059\u308b\u3053\u3068\u3067\u3059\u3002\u307f\u306a\u3055\u3093\u304c\u3010\u306f\u3058\u3081\u306e\u4e00\u6b69\u3011\u304c\u3067\u304d\u307e\u3059\u3088\u3046\u306b\u3002<\/p>\n<p>\u00a0<\/p>\n<p>\u00a0<\/p>\n<p 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