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<title>somehowlifeのブログ</title>
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<title>【助けてください】子供3人、借金あり、毎月赤字。どこから手をつけるべき？</title>
<description>
<![CDATA[ <p style="font-style: normal; font-variant-caps: normal; font-width: normal; line-height: normal; font-family: &quot;Times New Roman&quot;; font-size-adjust: none; font-kerning: auto; font-variant-alternates: normal; font-variant-ligatures: normal; font-variant-numeric: normal; font-variant-east-asian: normal; font-variant-position: normal; font-feature-settings: normal; font-optical-sizing: auto; font-variation-settings: normal; -webkit-text-stroke-width: 0px; -webkit-text-stroke-color: rgb(224, 224, 224);"><span style="font-kerning: none;">はじめまして。30代半ば、中間管理職をやっている普通のパパです。</span></p><p style="font-style: normal; font-variant-caps: normal; font-width: normal; line-height: normal; font-family: &quot;Times New Roman&quot;; font-size-adjust: none; font-kerning: auto; font-variant-alternates: normal; font-variant-ligatures: normal; font-variant-numeric: normal; font-variant-east-asian: normal; font-variant-position: normal; font-feature-settings: normal; font-optical-sizing: auto; font-variation-settings: normal; -webkit-text-stroke-width: 0px; -webkit-text-stroke-color: rgb(224, 224, 224);"><span style="font-kerning: none;"><br></span></p><p style="font-style: normal; font-variant-caps: normal; font-width: normal; line-height: normal; font-family: &quot;Times New Roman&quot;; font-size-adjust: none; font-kerning: auto; font-variant-alternates: normal; font-variant-ligatures: normal; font-variant-numeric: normal; font-variant-east-asian: normal; font-variant-position: normal; font-feature-settings: normal; font-optical-sizing: auto; font-variation-settings: normal; -webkit-text-stroke-width: 0px; -webkit-text-stroke-color: rgb(224, 224, 224);"><span style="font-kerning: none;">世間一般の30代といえば、仕事もノリに乗り、将来のためにしっかり貯蓄をして……なんてイメージがあるかもしれません。</span></p><p style="font-style: normal; font-variant-caps: normal; font-width: normal; line-height: normal; font-family: &quot;Times New Roman&quot;; font-size-adjust: none; font-kerning: auto; font-variant-alternates: normal; font-variant-ligatures: normal; font-variant-numeric: normal; font-variant-east-asian: normal; font-variant-position: normal; font-feature-settings: normal; font-optical-sizing: auto; font-variation-settings: normal; -webkit-text-stroke-width: 0px; -webkit-text-stroke-color: rgb(224, 224, 224);"><span style="font-kerning: none;">ですが、我が家の現実は真逆で、正直「詰み」かけています。</span></p><p style="font-style: normal; font-variant-caps: normal; font-width: normal; line-height: normal; font-family: &quot;Times New Roman&quot;; font-size-adjust: none; font-kerning: auto; font-variant-alternates: normal; font-variant-ligatures: normal; font-variant-numeric: normal; font-variant-east-asian: normal; font-variant-position: normal; font-feature-settings: normal; font-optical-sizing: auto; font-variation-settings: normal; -webkit-text-stroke-width: 0px; -webkit-text-stroke-color: rgb(224, 224, 224);"><span style="font-kerning: none;"><br></span></p><p style="font-style: normal; font-variant-caps: normal; font-width: normal; line-height: normal; font-family: &quot;Times New Roman&quot;; font-size-adjust: none; font-kerning: auto; font-variant-alternates: normal; font-variant-ligatures: normal; font-variant-numeric: normal; font-variant-east-asian: normal; font-variant-position: normal; font-feature-settings: normal; font-optical-sizing: auto; font-variation-settings: normal; -webkit-text-stroke-width: 0px; -webkit-text-stroke-color: rgb(224, 224, 224);"><span style="font-kerning: none;">・子供は3人（毎日が戦場）</span></p><p style="font-style: normal; font-variant-caps: normal; font-width: normal; line-height: normal; font-family: &quot;Times New Roman&quot;; font-size-adjust: none; font-kerning: auto; font-variant-alternates: normal; font-variant-ligatures: normal; font-variant-numeric: normal; font-variant-east-asian: normal; font-variant-position: normal; font-feature-settings: normal; font-optical-sizing: auto; font-variation-settings: normal; -webkit-text-stroke-width: 0px; -webkit-text-stroke-color: rgb(224, 224, 224);"><span style="font-kerning: none;">・貯金は綺麗にゼロ</span></p><p style="font-style: normal; font-variant-caps: normal; font-width: normal; line-height: normal; font-family: &quot;Times New Roman&quot;; font-size-adjust: none; font-kerning: auto; font-variant-alternates: normal; font-variant-ligatures: normal; font-variant-numeric: normal; font-variant-east-asian: normal; font-variant-position: normal; font-feature-settings: normal; font-optical-sizing: auto; font-variation-settings: normal; -webkit-text-stroke-width: 0px; -webkit-text-stroke-color: rgb(224, 224, 224);"><span style="font-kerning: none;">：そして、しっかり借金あり（毎月赤字）</span></p><p style="font-style: normal; font-variant-caps: normal; font-width: normal; line-height: normal; font-family: &quot;Times New Roman&quot;; font-size-adjust: none; font-kerning: auto; font-variant-alternates: normal; font-variant-ligatures: normal; font-variant-numeric: normal; font-variant-east-asian: normal; font-variant-position: normal; font-feature-settings: normal; font-optical-sizing: auto; font-variation-settings: normal; -webkit-text-stroke-width: 0px; -webkit-text-stroke-color: rgb(224, 224, 224);"><span style="font-kerning: none;">妻もフルタイムの正社員として働いていて、毎日お互いにヘトヘトです。</span></p><p style="font-style: normal; font-variant-caps: normal; font-width: normal; line-height: normal; font-family: &quot;Times New Roman&quot;; font-size-adjust: none; font-kerning: auto; font-variant-alternates: normal; font-variant-ligatures: normal; font-variant-numeric: normal; font-variant-east-asian: normal; font-variant-position: normal; font-feature-settings: normal; font-optical-sizing: auto; font-variation-settings: normal; -webkit-text-stroke-width: 0px; -webkit-text-stroke-color: rgb(224, 224, 224);"><span style="font-kerning: none;"><br></span></p><p style="font-style: normal; font-variant-caps: normal; font-width: normal; line-height: normal; font-family: &quot;Times New Roman&quot;; font-size-adjust: none; font-kerning: auto; font-variant-alternates: normal; font-variant-ligatures: normal; font-variant-numeric: normal; font-variant-east-asian: normal; font-variant-position: normal; font-feature-settings: normal; font-optical-sizing: auto; font-variation-settings: normal; -webkit-text-stroke-width: 0px; -webkit-text-stroke-color: rgb(224, 224, 224);"><span style="font-kerning: none;"><br></span></p><p style="font-style: normal; font-variant-caps: normal; font-width: normal; line-height: normal; font-family: &quot;Times New Roman&quot;; font-size-adjust: none; font-kerning: auto; font-variant-alternates: normal; font-variant-ligatures: normal; font-variant-numeric: normal; font-variant-east-asian: normal; font-variant-position: normal; font-feature-settings: normal; font-optical-sizing: auto; font-variation-settings: normal; -webkit-text-stroke-width: 0px; -webkit-text-stroke-color: rgb(224, 224, 224);"><span style="font-kerning: none;">家事の分担は、料理や家計管理が基本的に僕の担当。ですが、毎日クタクタな妻に「もう少し節約しよう」と切り出すと険悪な雰囲気になって怒られてしまうため、家庭内でなかなかお金の相談ができません。</span></p><p style="font-style: normal; font-variant-caps: normal; font-width: normal; line-height: normal; font-family: &quot;Times New Roman&quot;; font-size-adjust: none; font-kerning: auto; font-variant-alternates: normal; font-variant-ligatures: normal; font-variant-numeric: normal; font-variant-east-asian: normal; font-variant-position: normal; font-feature-settings: normal; font-optical-sizing: auto; font-variation-settings: normal; -webkit-text-stroke-width: 0px; -webkit-text-stroke-color: rgb(224, 224, 224);"><span style="font-kerning: none;"><br></span></p><p style="font-style: normal; font-variant-caps: normal; font-width: normal; line-height: normal; font-family: &quot;Times New Roman&quot;; font-size-adjust: none; font-kerning: auto; font-variant-alternates: normal; font-variant-ligatures: normal; font-variant-numeric: normal; font-variant-east-asian: normal; font-variant-position: normal; font-feature-settings: normal; font-optical-sizing: auto; font-variation-settings: normal; -webkit-text-stroke-width: 0px; -webkit-text-stroke-color: rgb(224, 224, 224);"><span style="font-kerning: none;">さらに自分自身も仕事のストレスから、癒やしであるタバコと夜の酒がやめられないという弱い人間です。</span></p><p style="font-style: normal; font-variant-caps: normal; font-width: normal; line-height: normal; font-family: &quot;Times New Roman&quot;; font-size-adjust: none; font-kerning: auto; font-variant-alternates: normal; font-variant-ligatures: normal; font-variant-numeric: normal; font-variant-east-asian: normal; font-variant-position: normal; font-feature-settings: normal; font-optical-sizing: auto; font-variation-settings: normal; -webkit-text-stroke-width: 0px; -webkit-text-stroke-color: rgb(224, 224, 224);"><span style="font-kerning: none;"><br></span></p><p style="font-style: normal; font-variant-caps: normal; font-width: normal; line-height: normal; font-family: &quot;Times New Roman&quot;; font-size-adjust: none; font-kerning: auto; font-variant-alternates: normal; font-variant-ligatures: normal; font-variant-numeric: normal; font-variant-east-asian: normal; font-variant-position: normal; font-feature-settings: normal; font-optical-sizing: auto; font-variation-settings: normal; -webkit-text-stroke-width: 0px; -webkit-text-stroke-color: rgb(224, 224, 224);"><span style="font-kerning: none;">これまでは「まあ、なんとかなるさ」と現実逃避をしてきましたが、毎月の赤字額を見て、もう笑えないレベルまで来ていると痛感しました。</span></p><p style="font-style: normal; font-variant-caps: normal; font-width: normal; line-height: normal; font-family: &quot;Times New Roman&quot;; font-size-adjust: none; font-kerning: auto; font-variant-alternates: normal; font-variant-ligatures: normal; font-variant-numeric: normal; font-variant-east-asian: normal; font-variant-position: normal; font-feature-settings: normal; font-optical-sizing: auto; font-variation-settings: normal; -webkit-text-stroke-width: 0px; -webkit-text-stroke-color: rgb(224, 224, 224);"><span style="font-kerning: none;">「このままじゃ家族を守れない。本気で変わらなきゃマズい。」</span></p><p style="font-style: normal; font-variant-caps: normal; font-width: normal; line-height: normal; font-family: &quot;Times New Roman&quot;; font-size-adjust: none; font-kerning: auto; font-variant-alternates: normal; font-variant-ligatures: normal; font-variant-numeric: normal; font-variant-east-asian: normal; font-variant-position: normal; font-feature-settings: normal; font-optical-sizing: auto; font-variation-settings: normal; -webkit-text-stroke-width: 0px; -webkit-text-stroke-color: rgb(224, 224, 224);"><span style="font-kerning: none;">そう思い、今日から生活と家計の立て直しを始めることにしました。</span></p><p style="font-style: normal; font-variant-caps: normal; font-width: normal; line-height: normal; font-family: &quot;Times New Roman&quot;; font-size-adjust: none; font-kerning: auto; font-variant-alternates: normal; font-variant-ligatures: normal; font-variant-numeric: normal; font-variant-east-asian: normal; font-variant-position: normal; font-feature-settings: normal; font-optical-sizing: auto; font-variation-settings: normal; -webkit-text-stroke-width: 0px; -webkit-text-stroke-color: rgb(224, 224, 224);"><span style="font-kerning: none;"><br></span></p><p style="font-style: normal; font-variant-caps: normal; font-width: normal; line-height: normal; font-family: &quot;Times New Roman&quot;; font-size-adjust: none; font-kerning: auto; font-variant-alternates: normal; font-variant-ligatures: normal; font-variant-numeric: normal; font-variant-east-asian: normal; font-variant-position: normal; font-feature-settings: normal; font-optical-sizing: auto; font-variation-settings: normal; -webkit-text-stroke-width: 0px; -webkit-text-stroke-color: rgb(224, 224, 224);"><span style="font-kerning: none;"><br></span></p><p style="font-style: normal; font-variant-caps: normal; font-width: normal; line-height: normal; font-family: &quot;Times New Roman&quot;; font-size-adjust: none; font-kerning: auto; font-variant-alternates: normal; font-variant-ligatures: normal; font-variant-numeric: normal; font-variant-east-asian: normal; font-variant-position: normal; font-feature-settings: normal; font-optical-sizing: auto; font-variation-settings: normal; -webkit-text-stroke-width: 0px; -webkit-text-stroke-color: rgb(224, 224, 224);"><span style="font-kerning: none;"><br></span></p><p style="font-style: normal; font-variant-caps: normal; font-width: normal; line-height: normal; font-family: &quot;Times New Roman&quot;; font-size-adjust: none; font-kerning: auto; font-variant-alternates: normal; font-variant-ligatures: normal; font-variant-numeric: normal; font-variant-east-asian: normal; font-variant-position: normal; font-feature-settings: normal; font-optical-sizing: auto; font-variation-settings: normal; -webkit-text-stroke-width: 0px; -webkit-text-stroke-color: rgb(224, 224, 224);"><span style="font-kerning: none;"><br></span></p><p style="font-style: normal; font-variant-caps: normal; font-width: normal; line-height: normal; font-family: &quot;Times New Roman&quot;; font-size-adjust: none; font-kerning: auto; font-variant-alternates: normal; font-variant-ligatures: normal; font-variant-numeric: normal; font-variant-east-asian: normal; font-variant-position: normal; font-feature-settings: normal; font-optical-sizing: auto; font-variation-settings: normal; -webkit-text-stroke-width: 0px; -webkit-text-stroke-color: rgb(224, 224, 224);"><span style="font-kerning: none;"><br></span></p><p style="font-style: normal; font-variant-caps: normal; font-width: normal; line-height: normal; font-family: &quot;Times New Roman&quot;; font-size-adjust: none; font-kerning: auto; font-variant-alternates: normal; font-variant-ligatures: normal; font-variant-numeric: normal; font-variant-east-asian: normal; font-variant-position: normal; font-feature-settings: normal; font-optical-sizing: auto; font-variation-settings: normal; -webkit-text-stroke-width: 0px; -webkit-text-stroke-color: rgb(224, 224, 224);"><span style="font-kerning: none;">ですが……正直、どこから手をつければいいのか頭を抱えています。</span></p><p style="font-style: normal; font-variant-caps: normal; font-width: normal; line-height: normal; font-family: &quot;Times New Roman&quot;; font-size-adjust: none; font-kerning: auto; font-variant-alternates: normal; font-variant-ligatures: normal; font-variant-numeric: normal; font-variant-east-asian: normal; font-variant-position: normal; font-feature-settings: normal; font-optical-sizing: auto; font-variation-settings: normal; -webkit-text-stroke-width: 0px; -webkit-text-stroke-color: rgb(224, 224, 224);"><span style="font-kerning: none;"><br></span></p><p style="font-style: normal; font-variant-caps: normal; font-width: normal; line-height: normal; font-family: &quot;Times New Roman&quot;; font-size-adjust: none; font-kerning: auto; font-variant-alternates: normal; font-variant-ligatures: normal; font-variant-numeric: normal; font-variant-east-asian: normal; font-variant-position: normal; font-feature-settings: normal; font-optical-sizing: auto; font-variation-settings: normal; -webkit-text-stroke-width: 0px; -webkit-text-stroke-color: rgb(224, 224, 224);"><span style="font-kerning: none;">そこで、ブログの先輩方や、同じように子育て・家計管理と戦っているみなさんにお聞きしたいです。</span></p><p style="font-style: normal; font-variant-caps: normal; font-width: normal; line-height: normal; font-family: &quot;Times New Roman&quot;; font-size-adjust: none; font-kerning: auto; font-variant-alternates: normal; font-variant-ligatures: normal; font-variant-numeric: normal; font-variant-east-asian: normal; font-variant-position: normal; font-feature-settings: normal; font-optical-sizing: auto; font-variation-settings: normal; -webkit-text-stroke-width: 0px; -webkit-text-stroke-color: rgb(224, 224, 224);"><span style="font-kerning: none;"><br></span></p><p style="font-style: normal; font-variant-caps: normal; font-width: normal; line-height: normal; font-family: &quot;Times New Roman&quot;; font-size-adjust: none; font-kerning: auto; font-variant-alternates: normal; font-variant-ligatures: normal; font-variant-numeric: normal; font-variant-east-asian: normal; font-variant-position: normal; font-feature-settings: normal; font-optical-sizing: auto; font-variation-settings: normal; -webkit-text-stroke-width: 0px; -webkit-text-stroke-color: rgb(224, 224, 224);"><span style="font-kerning: none;"><br></span></p><p style="font-style: normal; font-variant-caps: normal; font-width: normal; line-height: normal; font-family: &quot;Times New Roman&quot;; font-size-adjust: none; font-kerning: auto; font-variant-alternates: normal; font-variant-ligatures: normal; font-variant-numeric: normal; font-variant-east-asian: normal; font-variant-position: normal; font-feature-settings: normal; font-optical-sizing: auto; font-variation-settings: normal; -webkit-text-stroke-width: 0px; -webkit-text-stroke-color: rgb(224, 224, 224);"><span style="font-kerning: none;">・家族（パートナー）と険悪にならずにできる節約って何がありますか？</span></p><p style="font-style: normal; font-variant-caps: normal; font-width: normal; line-height: normal; font-family: &quot;Times New Roman&quot;; font-size-adjust: none; font-kerning: auto; font-variant-alternates: normal; font-variant-ligatures: normal; font-variant-numeric: normal; font-variant-east-asian: normal; font-variant-position: normal; font-feature-settings: normal; font-optical-sizing: auto; font-variation-settings: normal; -webkit-text-stroke-width: 0px; -webkit-text-stroke-color: rgb(224, 224, 224);"><span style="font-kerning: none;"><br></span></p><p style="font-style: normal; font-variant-caps: normal; font-width: normal; line-height: normal; font-family: &quot;Times New Roman&quot;; font-size-adjust: none; font-kerning: auto; font-variant-alternates: normal; font-variant-ligatures: normal; font-variant-numeric: normal; font-variant-east-asian: normal; font-variant-position: normal; font-feature-settings: normal; font-optical-sizing: auto; font-variation-settings: normal; -webkit-text-stroke-width: 0px; -webkit-text-stroke-color: rgb(224, 224, 224);"><span style="font-kerning: none;">・料理担当パパにおすすめの、コスパ最強の時短食費節約術はありますか？</span></p><p style="font-style: normal; font-variant-caps: normal; font-width: normal; line-height: normal; font-family: &quot;Times New Roman&quot;; font-size-adjust: none; font-kerning: auto; font-variant-alternates: normal; font-variant-ligatures: normal; font-variant-numeric: normal; font-variant-east-asian: normal; font-variant-position: normal; font-feature-settings: normal; font-optical-sizing: auto; font-variation-settings: normal; -webkit-text-stroke-width: 0px; -webkit-text-stroke-color: rgb(224, 224, 224);"><span style="font-kerning: none;"><br></span></p><p style="font-style: normal; font-variant-caps: normal; font-width: normal; line-height: normal; font-family: &quot;Times New Roman&quot;; font-size-adjust: none; font-kerning: auto; font-variant-alternates: normal; font-variant-ligatures: normal; font-variant-numeric: normal; font-variant-east-asian: normal; font-variant-position: normal; font-feature-settings: normal; font-optical-sizing: auto; font-variation-settings: normal; -webkit-text-stroke-width: 0px; -webkit-text-stroke-color: rgb(224, 224, 224);"><span style="font-kerning: none;">・意思が激弱な僕でも、まず最初にやるべき家計の立て直しステップは何でしょうか？</span></p><p style="font-style: normal; font-variant-caps: normal; font-width: normal; line-height: normal; font-family: &quot;Times New Roman&quot;; font-size-adjust: none; font-kerning: auto; font-variant-alternates: normal; font-variant-ligatures: normal; font-variant-numeric: normal; font-variant-east-asian: normal; font-variant-position: normal; font-feature-settings: normal; font-optical-sizing: auto; font-variation-settings: normal; -webkit-text-stroke-width: 0px; -webkit-text-stroke-color: rgb(224, 224, 224);"><span style="font-kerning: none;"><br></span></p><p style="font-style: normal; font-variant-caps: normal; font-width: normal; line-height: normal; font-family: &quot;Times New Roman&quot;; font-size-adjust: none; font-kerning: auto; font-variant-alternates: normal; font-variant-ligatures: normal; font-variant-numeric: normal; font-variant-east-asian: normal; font-variant-position: normal; font-feature-settings: normal; font-optical-sizing: auto; font-variation-settings: normal; -webkit-text-stroke-width: 0px; -webkit-text-stroke-color: rgb(224, 224, 224);"><span style="font-kerning: none;">「うちはこうやって乗り切ったよ」「まずこれをやれ！」など、どんな小さなことでも構いません。先輩方のアドバイスや知恵をコメントで教えていただけたら本当に助かります……！</span></p><p style="font-style: normal; font-variant-caps: normal; font-width: normal; line-height: normal; font-family: &quot;Times New Roman&quot;; font-size-adjust: none; font-kerning: auto; font-variant-alternates: normal; font-variant-ligatures: normal; font-variant-numeric: normal; font-variant-east-asian: normal; font-variant-position: normal; font-feature-settings: normal; font-optical-sizing: auto; font-variation-settings: normal; -webkit-text-stroke-width: 0px; -webkit-text-stroke-color: rgb(224, 224, 224);"><span style="font-kerning: none;">泥沼からのスタートですが、みなさんの力も借りながら泥臭く這い上がっていきたいと思います。</span></p><p style="font-style: normal; font-variant-caps: normal; font-width: normal; line-height: normal; font-family: &quot;Times New Roman&quot;; font-size-adjust: none; font-kerning: auto; font-variant-alternates: normal; font-variant-ligatures: normal; font-variant-numeric: normal; font-variant-east-asian: normal; font-variant-position: normal; font-feature-settings: normal; font-optical-sizing: auto; font-variation-settings: normal; -webkit-text-stroke-width: 0px; -webkit-text-stroke-color: rgb(224, 224, 224);"><span style="font-kerning: none;"><br></span></p><p style="font-style: normal; font-variant-caps: normal; font-width: normal; line-height: normal; font-family: &quot;Times New Roman&quot;; font-size-adjust: none; font-kerning: auto; font-variant-alternates: normal; font-variant-ligatures: normal; font-variant-numeric: normal; font-variant-east-asian: normal; font-variant-position: normal; font-feature-settings: normal; font-optical-sizing: auto; font-variation-settings: normal; -webkit-text-stroke-width: 0px; -webkit-text-stroke-color: rgb(224, 224, 224);"><span style="font-kerning: none;"><br></span></p><p style="font-style: normal; font-variant-caps: normal; font-width: normal; line-height: normal; font-family: &quot;Times New Roman&quot;; font-size-adjust: none; font-kerning: auto; font-variant-alternates: normal; font-variant-ligatures: normal; font-variant-numeric: normal; font-variant-east-asian: normal; font-variant-position: normal; font-feature-settings: normal; font-optical-sizing: auto; font-variation-settings: normal; -webkit-text-stroke-width: 0px; -webkit-text-stroke-color: rgb(224, 224, 224);"><span style="font-kerning: none;">どうぞよろしくお願いいたします！</span></p><div><span style="font-kerning: none;"><br></span></div>
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<pubDate>Tue, 22 Sep 2026 22:41:17 +0900</pubDate>
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