{"id":5056,"date":"2019-10-01T12:51:57","date_gmt":"2019-10-01T20:51:57","guid":{"rendered":"https:\/\/smartandresponsible.com\/blog\/?p=5056"},"modified":"2026-05-07T16:51:02","modified_gmt":"2026-05-08T00:51:02","slug":"mcf2","status":"publish","type":"post","link":"https:\/\/smartandresponsible.com\/blog\/mcf2\/","title":{"rendered":"\u5bb6\u8a08\u628a\u63e1\u2015\u30de\u30f3\u30b9\u30ea\u30fc\u30ad\u30e3\u30c3\u30b7\u30e5\u30d5\u30ed\u30fc\u3092\u3064\u304f\u3063\u3066\u307f\u308b\uff01\uff08\uff12\uff09"},"content":{"rendered":"<p>\u30d5\u30a1\u30a4\u30ca\u30f3\u30b7\u30e3\u30eb\u30d7\u30e9\u30cb\u30f3\u30b0\u3092\u3059\u308b\u305f\u3081\u306b\u5927\u5909\u91cd\u8981\u306a\u60c5\u5831\u3067\u3042\u308b\u30de\u30f3\u30b9\u30ea\u30fc\u30ad\u30e3\u30c3\u30b7\u30e5\u30d5\u30ed\u30fc\u3002\u5bb6\u8a08\u7c3f\u3092\u3064\u3051\u3066\u3044\u306a\u3044\u3001\u7279\u306b\u8a18\u9332\u3092\u3068\u3063\u3066\u3044\u306a\u3044\u3068\u3044\u3046\u5834\u5408\u306b\u3001\u9280\u884c\u306e\u53e3\u5ea7\u660e\u7d30\u3084\u30af\u30ec\u30b8\u30c3\u30c8\u30ab\u30fc\u30c9\u306e\u660e\u7d30\u3092\u99c6\u4f7f\u3057\u306a\u304c\u3089\u3001\u30de\u30f3\u30b9\u30ea\u30fc\u30ad\u30e3\u30c3\u30b7\u30e5\u30d5\u30ed\u30fc\u3092\u4f5c\u6210\u3059\u308b\u305f\u3081\u306e\u3084\u308a\u65b9\u3092\u5171\u6709\u3055\u305b\u3066\u3044\u305f\u3060\u3044\u3066\u3044\u307e\u3059\u3002\u524d\u56de\u306f\u3001\u5b9f\u969b\u306e\u30de\u30f3\u30b9\u30ea\u30fc\u30ad\u30e3\u30c3\u30b7\u30e5\u30d5\u30ed\u30fc\u3092\u4f5c\u6210\u3059\u308b\u524d\u6bb5\u968e\u3068\u3057\u3066\u3001\u3056\u3063\u304f\u308a\u3068\u5e74\u9593\u306e\u53ce\u652f\u72b6\u614b\u30c1\u30a7\u30c3\u30af\u3092\u3057\u3066\u307f\u307e\u3057\u305f\u3002\u4eca\u56de\u306f\u3001\u5177\u4f53\u7684\u306a\u30de\u30f3\u30b9\u30ea\u30fc\u30ad\u30e3\u30c3\u30b7\u30e5\u30d5\u30ed\u30fc\u306e\u4f5c\u6210\u306b\u5165\u3063\u3066\u3044\u304d\u307e\u3059\u3002<\/p>\n<figure id=\"attachment_5030\" aria-describedby=\"caption-attachment-5030\" style=\"width: 157px\" class=\"wp-caption alignright\"><a href=\"https:\/\/smartandresponsible.com\/blog\/service_lineup\/\"  target=\"_blank\" rel=\"noopener noreferrer\"><img loading=\"lazy\" decoding=\"async\" class=\"wp-image-5030\" src=\"https:\/\/smartandresponsible.com\/blog\/wp-content\/uploads\/2019\/09\/ballpen-calendar-close-up-1558691-300x225.gif\" alt=\"\" width=\"157\" height=\"118\" srcset=\"https:\/\/smartandresponsible.com\/blog\/wp-content\/uploads\/2019\/09\/ballpen-calendar-close-up-1558691-300x225.gif 300w, https:\/\/smartandresponsible.com\/blog\/wp-content\/uploads\/2019\/09\/ballpen-calendar-close-up-1558691-80x60.gif 80w\" sizes=\"auto, (max-width: 157px) 100vw, 157px\" \/><\/a><figcaption id=\"caption-attachment-5030\" class=\"wp-caption-text\">\u65b0\u30b5\u30fc\u30d3\u30b9\u958b\u59cb\uff01<\/figcaption><\/figure>\n<p>Smart &amp; Responsible\u306e\u30d7\u30e9\u30cb\u30f3\u30b0\u30b5\u30fc\u30d3\u30b9\u3092\u304a\u4f7f\u3044\u3044\u305f\u3060\u304f\u3068\u304d\u306b\u3082\u3001\u5fc5\u305a\u30de\u30f3\u30b9\u30ea\u30fc\u30ad\u30e3\u30c3\u30b7\u30e5\u30d5\u30ed\u30fc\u3092\u63d0\u51fa\u3044\u305f\u3060\u3044\u3066\u3044\u307e\u3059\u3059\u304c\u3001\u4e0b\u306e\u30ea\u30f3\u30af\u304b\u3089\u30d5\u30a9\u30fc\u30e0\u304c\u30c0\u30a6\u30f3\u30ed\u30fc\u30c9\u3067\u304d\u307e\u3059\u3002\u3088\u304b\u3063\u305f\u3089\u3001\u3053\u308c\u3092\u304a\u4f7f\u3044\u3044\u306a\u308a\u3054\u81ea\u5206\u306e\u30de\u30f3\u30b9\u30ea\u30fc\u30ad\u30e3\u30c3\u30b7\u30e5\u30d5\u30ed\u30fc\u3092\u4f5c\u3063\u3066\u307f\u3066\u304f\u3060\u3055\u3044\u3002<\/p>\n<p><a href=\"https:\/\/smartandresponsible.com\/blog\/wp-content\/uploads\/2017\/06\/Monthly-Cash-FLOW.xlsx\" >\u30de\u30f3\u30b9\u30ea\u30fc\u30ad\u30e3\u30c3\u30b7\u30e5\u30d5\u30ed\u30fc<\/a><\/p>\n<p>&nbsp;<\/p>\n<h2>\u5168\u4f53\u50cf\u306e\u628a\u63e1<\/h2>\n<p>\u3053\u3053\u3067\u81ea\u5206\u306e\u5bb6\u8a08\u306e\u304a\u91d1\u306e\u6d41\u308c\u3092\u56f3\u306b\u3057\u3066\u628a\u63e1\u3057\u3066\u307f\u307e\u3057\u3087\u3046\u3002\u624b\u66f8\u304d\u3067\u69cb\u3044\u307e\u305b\u3093\u304b\u3089\u7d19\u306e\u4e0a\u306b\u4e0b\u306e\u3088\u3046\u306a\u304a\u91d1\u306e\u6d41\u308c\u305a\u3092\u66f8\u3044\u3066\u307f\u307e\u3059\u3002<\/p>\n<p><a href=\"https:\/\/smartandresponsible.com\/blog\/wp-content\/uploads\/2019\/09\/1d7eca9c6126948a6dc08e4604830892.png\" ><img loading=\"lazy\" decoding=\"async\" class=\"aligncenter size-full wp-image-5048\" src=\"https:\/\/smartandresponsible.com\/blog\/wp-content\/uploads\/2019\/09\/1d7eca9c6126948a6dc08e4604830892.png\" alt=\"\" width=\"941\" height=\"476\" srcset=\"https:\/\/smartandresponsible.com\/blog\/wp-content\/uploads\/2019\/09\/1d7eca9c6126948a6dc08e4604830892.png 941w, https:\/\/smartandresponsible.com\/blog\/wp-content\/uploads\/2019\/09\/1d7eca9c6126948a6dc08e4604830892-300x152.png 300w, https:\/\/smartandresponsible.com\/blog\/wp-content\/uploads\/2019\/09\/1d7eca9c6126948a6dc08e4604830892-768x388.png 768w\" sizes=\"auto, (max-width: 941px) 100vw, 941px\" \/><\/a><\/p>\n<p>&nbsp;<\/p>\n<p>\u7d66\u6599\u304c\u51fa\u308b\u3068\u3001\u307e\u305a\u7d66\u6599\u304b\u3089\u76f4\u63a5\u5929\u5f15\u304d\u306b\u306a\u308b\u5065\u5eb7\u4fdd\u967a\u6599\u3001401(k)\u306e\u7a4d\u307f\u7acb\u3066\u3001\u6240\u5f97\u7a0e\u306a\u3069\u304c\u5dee\u3057\u5f15\u304b\u308c\u3001\u6b8b\u308a\u304c\u9280\u884c\u53e3\u5ea7\u306b\u5165\u91d1\u306b\u306a\u308a\u307e\u3059\u3002\u305d\u3053\u304b\u3089\u3001\u9280\u884c\u3067\u81ea\u52d5\u3067\u5f15\u304d\u843d\u3068\u3055\u308c\u308b\u8cbb\u7528\u3084\u7a4d\u7acb\u984d\u304c\u5f15\u304d\u843d\u3068\u3055\u308c\u3001\u3055\u3089\u306b\u30af\u30ec\u30b8\u30c3\u30c8\u30ab\u30fc\u30c9\u306e\u8acb\u6c42\u984d\u306f\u6708\u306b\u4e00\u5ea6\u9280\u884c\u53e3\u5ea7\u304b\u3089\u652f\u6255\u308f\u308c\u307e\u3059\u3002\u307e\u305f\u3001ATM\u3067\u73fe\u91d1\u3092\u53d7\u3051\u53d6\u308c\u3070\u3053\u306e\u9280\u884c\u53e3\u5ea7\u304b\u3089\u5f15\u304d\u51fa\u3055\u308c\u3001\u30c1\u30a7\u30c3\u30af\u3092\u66f8\u3051\u3070\u305d\u308c\u3082\u9280\u884c\u53e3\u5ea7\u304b\u3089\u5f15\u304d\u51fa\u3055\u308c\u308b\u3053\u3068\u306b\u306a\u308a\u307e\u3059\u3002<\/p>\n<p>\u3053\u306e\u56f3\u3092\u898b\u306a\u304c\u3089\u3001\u6708\u3005\u306e\u652f\u51fa\u3092\u628a\u63e1\u3057\u3001\u30de\u30f3\u30b9\u30ea\u30fc\u30ad\u30e3\u30c3\u30b7\u30e5\u30d5\u30ed\u30fc\u306b\u8a18\u5165\u3057\u3066\u3044\u304d\u307e\u3059\u3002<\/p>\n<p>\u4ee5\u4e0b\u306f\u3059\u3067\u306b\u5b8c\u6210\u3057\u305f\u30b5\u30f3\u30d7\u30eb\u306e\u30de\u30f3\u30b9\u30ea\u30fc\u30ad\u30e3\u30c3\u30b7\u30e5\u30d5\u30ed\u30fc\u3067\u3059\u3002\u5b8c\u6210\u56f3\u3092\u5148\u306b\u304a\u898b\u305b\u3057\u307e\u3059\u306d\u3002\u30af\u30ea\u30c3\u30af\u3059\u308b\u3068\u5225\u30bf\u30d6\u3067\u958b\u304d\u307e\u3059\u3002\u4ee5\u4e0b\u3001\u3053\u308c\u3092\u898b\u5408\u308f\u305b\u306a\u304c\u3089\u304a\u8aad\u307f\u304f\u3060\u3055\u3044\u3002<\/p>\n<p><a href=\"https:\/\/smartandresponsible.com\/blog\/wp-content\/uploads\/2019\/09\/4f838c7272c81a62bf1ba847d791d168.png\"  target=\"_blank\" rel=\"noopener noreferrer\"><img loading=\"lazy\" decoding=\"async\" class=\"aligncenter size-medium wp-image-5040\" src=\"https:\/\/smartandresponsible.com\/blog\/wp-content\/uploads\/2019\/09\/4f838c7272c81a62bf1ba847d791d168-155x300.png\" alt=\"\" width=\"155\" height=\"300\" srcset=\"https:\/\/smartandresponsible.com\/blog\/wp-content\/uploads\/2019\/09\/4f838c7272c81a62bf1ba847d791d168-155x300.png 155w, https:\/\/smartandresponsible.com\/blog\/wp-content\/uploads\/2019\/09\/4f838c7272c81a62bf1ba847d791d168-768x1487.png 768w, https:\/\/smartandresponsible.com\/blog\/wp-content\/uploads\/2019\/09\/4f838c7272c81a62bf1ba847d791d168-529x1024.png 529w, https:\/\/smartandresponsible.com\/blog\/wp-content\/uploads\/2019\/09\/4f838c7272c81a62bf1ba847d791d168.png 1232w\" sizes=\"auto, (max-width: 155px) 100vw, 155px\" \/><\/a><\/p>\n<p>&nbsp;<\/p>\n<h2>\u307e\u305a\u306f\u30b0\u30ed\u30b9\u53ce\u5165<\/h2>\n<p>\u307e\u305a\u306f\u3001\u30de\u30f3\u30b9\u30ea\u30fc\u30ad\u30e3\u30c3\u30b7\u30e5\u30d5\u30ed\u30fc\u306e\u4e00\u756a\u4e0a\u306e\u6b04\u3067\u3042\u308b\u53ce\u5165\u3092\u898b\u3066\u307f\u307e\u3057\u3087\u3046\u3002\u7d66\u6599\u660e\u7d30\u3092\u3054\u7528\u610f\u304f\u3060\u3055\u3044\u3002<\/p>\n<p>\u53ce\u5165\u306b\u306f2\u7a2e\u985e\u3042\u308a\u307e\u3059\u3002\u307e\u305a\u306fGross Income\u3002\u3053\u308c\u306f\u7a0e\u91d1\u3084\u305d\u306e\u4ed6\u7d66\u6599\u304b\u3089\u3044\u308d\u3044\u308d\u5f15\u304b\u308c\u308b\u307e\u3048\u306e\u3001\u30b0\u30ed\u30b9\u306e\u53ce\u5165\u3067\u3059\u3002\u5e74\u53ce\u5951\u7d04\u3057\u3066\u3044\u308b\u3088\u3046\u306a\u5834\u5408\u306f\u3001\u305d\u306e\u5951\u7d04\u306e\u5e74\u53ce\u3002\u81ea\u55b6\u306e\u65b9\u306f\u3061\u3087\u3063\u3068\u96e3\u3057\u3044\u3067\u3059\u304c\u3001\u30d3\u30b8\u30cd\u30b9\u7d4c\u8cbb\u306a\u3069\u306f\u5dee\u3057\u5f15\u3044\u305f\u3001\u3057\u304b\u3057\u500b\u4eba\u7684\u306a\u7d4c\u8cbb\u306f\u5dee\u3057\u5f15\u304f\u524d\u306e\u91d1\u984d\u3067\u3059\u3002\u3053\u306e\u5e74\u53ce\u306f\u3001\u591a\u304f\u306e\u5834\u5408\u79c1\u305f\u3061\u306b\u3068\u3063\u3066\u7d19\u4e0a\u306e\u6570\u5b57\u3067\u3042\u308a\u3001\u305d\u306e\u304a\u91d1\u3092\u5168\u984d\u624b\u306b\u3059\u308b\u3001\u53d7\u3051\u53d6\u308b\u3068\u3044\u3046\u3053\u3068\u306f\u3042\u308a\u307e\u305b\u3093\u3002\u305f\u3060\u3001\u300c\u5e74\u53ce\u306f\u304a\u3044\u304f\u3089\u3067\u3059\u304b\uff1f\u300d\u3068\u805e\u304b\u308c\u305f\u5834\u5408\u3044\u306f\u3001\u3053\u306e\u6570\u5b57\u3092\u7b54\u3048\u308b\u3053\u3068\u306b\u306a\u308a\u307e\u3059\u3002<\/p>\n<p>\u30de\u30f3\u30b9\u30ea\u30fc\u30ad\u30e3\u30c3\u30b7\u30e5\u30d5\u30ed\u30fc\u306b\u306f\u3001\u3053\u306e\u30b0\u30ed\u30b9\u306e\u6570\u5b57\u3092\u66f8\u304d\u8fbc\u307f\u307e\u3059\u3002\u7d66\u4e0e\u6b04\u306b\u306f\u6708\u3005\u306e\u30b0\u30ed\u30b9\u306e\u53ce\u5165\u3092\u3001\u30dc\u30fc\u30ca\u30b9\u30fb\u30b3\u30df\u30c3\u30b7\u30e7\u30f3\u306b\u306f\u5e74\u9593\u306b\u3082\u3089\u3046\u984d\u3092\uff11\uff12\u5272\u3057\u3066\u3054\u8a18\u5165\u304f\u3060\u3055\u3044\u3002\u81ea\u55b6\u306e\u65b9\u306f\u3001\u5e74\u9593\u30b0\u30ed\u30b9\u306e\u53ce\u5165\u3092\uff11\uff12\u5272\u3059\u308b\u3068\u3044\u3046\u3084\u308a\u65b9\u3067\u3044\u3044\u304b\u3068\u601d\u307e\u3059\u3002\u30b5\u30f3\u30d7\u30eb\u306e\u30de\u30f3\u30b9\u30ea\u30fc\u30ad\u30e3\u30c3\u30b7\u30e5\u30d5\u30ed\u30fc\u306e\u9752\u3044\u30cf\u30a4\u30e9\u30a4\u30c8\u306e\u90e8\u5206\u3067\u3059\u3002<\/p>\n<p>\u5165\u3063\u3066\u304d\u305f\u304a\u91d1\u306e\u3082\u3046\u3072\u3068\u3064\u306f\u3001\u624b\u53d6\u308a\u91d1\u984d\u3067\u3059\u3002\u3053\u306e\u91d1\u984d\u304c\u9280\u884c\u53e3\u5ea7\u306b\u5165\u91d1\u3055\u308c\u307e\u3059\u3002\u3088\u3063\u3066\u9280\u884c\u306e\u660e\u7d30\u306b\u8f09\u3063\u3066\u3044\u308b\u306e\u3082\u3053\u306e\u91d1\u984d\u3067\u3059\u3002\u6bce\u6708\u7d66\u6599\u304c\u51fa\u308b\u65b9\u306f\u3053\u308c\u304c\u5e74\u9593\u306712\u56de\u8a18\u8f09\u3055\u308c\u3066\u3044\u308b\u306f\u305a\u3067\u3059\u3057\u3001\u9694\u9031\u652f\u7d66\u306e\u65b9\u306a\u308926\u56de\u3001\u6bce\u9031\u306a\u308952\u56de\u8a18\u8f09\u3055\u308c\u3066\u3044\u308b\u306f\u305a\u3067\u3059\u3002\u3053\u306e\u624b\u53d6\u308a\u984d\u306f\u9280\u884c\u660e\u7d30\u306b\u306f\u8a18\u8f09\u3055\u308c\u307e\u3059\u304c\u3001\u30de\u30f3\u30b9\u30ea\u30fc\u30ad\u30e3\u30c3\u30b7\u30e5\u30d5\u30ed\u30fc\u306b\u306f\u8a18\u8f09\u3057\u307e\u305b\u3093\u3002\u30de\u30f3\u30b9\u30ea\u30fc\u30ad\u30e3\u30c3\u30b7\u30e5\u30d5\u30ed\u30fc\u306b\u306f\u3001\u4e0a\u306e\u30b0\u30ed\u30b9\u306e\u53ce\u5165\u3068\u3001\u3059\u3079\u3066\u306e\u652f\u51fa\u3092\u8a18\u8f09\u3057\u307e\u3059\u3002<\/p>\n<p>&nbsp;<\/p>\n<h2>\u7d66\u6599\u5929\u5f15\u304d\u306e\u652f\u51fa<\/h2>\n<p>\u7d66\u4e0e\u304c\u9280\u884c\u306b\u632f\u308a\u8fbc\u307e\u308c\u308b\u524d\u306e\u6bb5\u968e\u3067\u3001\u3044\u304f\u3064\u304b\u306e\u652f\u51fa\u304c\u3059\u3067\u306b\u767a\u751f\u3057\u3066\u3044\u307e\u3059\u3002\u3054\u81ea\u5206\u3067\u652f\u6255\u308f\u306a\u3044\u306e\u3067\u3001\u652f\u51fa\u3068\u3044\u3046\u610f\u8b58\u304c\u8584\u3044\u304b\u3082\u3057\u308c\u307e\u305b\u3093\u304c\u3001\u305d\u308c\u3089\u306f\u78ba\u56fa\u3068\u3057\u305f\u652f\u51fa\u3067\u3059\u306e\u3067\u3001\u30de\u30f3\u30b9\u30ea\u30fc\u30ad\u30e3\u30c3\u30b7\u30e5\u30d5\u30ed\u30fc\u306b\u8a18\u8f09\u3057\u307e\u3059\u3002<\/p>\n<p>\u305f\u3068\u3048\u3070\u3001\u4f1a\u793e\u3067\u5165\u3063\u3066\u3044\u308b\u5065\u5eb7\u4fdd\u967a\u3001\u56e3\u4f53\u751f\u547d\u4fdd\u967a\u3001\u6240\u5f97\u88dc\u511f\u4fdd\u967a\u306e\u4fdd\u967a\u6599\u306a\u3069\u306f\u7d66\u6599\u632f\u308a\u8fbc\u307f\u306e\u524d\u306b\u5f15\u304b\u308c\u3066\u3044\u307e\u3059\u3002\u3082\u3061\u308d\u3093\u9023\u90a6\u6240\u5f97\u7a0e\u3001\uff08\u5dde\u7a0e\u304c\u3042\u308b\u5dde\u3067\u306f\uff09\u5dde\u306e\u6240\u5f97\u7a0e\u3001\u30bd\u30fc\u30b7\u30e3\u30eb\u30bb\u30ad\u30e5\u30ea\u30c6\u30a3\u3084\u30e1\u30c7\u30a3\u30b1\u30a2\u306a\u3069\u306e\u793e\u4f1a\u4fdd\u969c\u7a0e\u3082\u5f15\u304b\u308c\u307e\u3059\u3002\u305d\u306e\u4ed6\u3001Health Savings Account\u3078\u306e\u7a4d\u307f\u7acb\u3066\u3084\u3001401(k)\u306a\u3069\u30ea\u30bf\u30a4\u30e4\u30e1\u30f3\u30c8\u30d7\u30e9\u30f3\u3078\u306e\u7a4d\u307f\u7acb\u3066\u3082\u5f15\u304b\u308c\u307e\u3059\u3002\u3053\u308c\u3089\u306f\u3059\u3079\u3066\u7d66\u4e0e\u660e\u7d30\u306b\u8a18\u8f09\u3055\u308c\u3066\u3044\u307e\u3059\u3002\u3053\u308c\u3089\u3082\u3059\u3079\u3066\u652f\u51fa\u3068\u3057\u3066\u628a\u63e1\u3057\u3001\u30de\u30f3\u30b9\u30ea\u30fc\u30ad\u30e3\u30c3\u30b7\u30e5\u30d5\u30ed\u30fc\u306b\u66f8\u304d\u5165\u308c\u307e\u3059\u3002\u30b5\u30f3\u30d7\u30eb\u306e\u30de\u30f3\u30b9\u30ea\u30fc\u30ad\u30e3\u30c3\u30b7\u30e5\u30d5\u30ed\u30fc\u3067\u306f\u3001\u3053\u308c\u3089\u306f\u30aa\u30ec\u30f3\u30b8\u8272\u306e\u30cf\u30a4\u30e9\u30a4\u30c8\u9805\u76ee\u3067\u3059\u3002<\/p>\n<p>\u7a0e\u91d1\u3084\u30ea\u30bf\u30a4\u30e4\u30e1\u30f3\u30c8\u30d7\u30e9\u30f3\u3078\u306e\u7a4d\u307f\u7acb\u3066\u3082\u652f\u51fa\uff1f\u3068\u4e0d\u601d\u8b70\u306b\u601d\u308f\u308c\u308b\u65b9\u3082\u3044\u3089\u3063\u3057\u3083\u308b\u304b\u3082\u3057\u308c\u307e\u305b\u3093\u304c\u3001<strong>\u652f\u51fa\u3068\u306f\u5fc5\u305a\u3057\u3082\u751f\u6d3b\u8cbb\u306e\u305f\u3081\u306e\u6d88\u8cbb\u6d3b\u52d5\u3060\u3051\u3092\u3044\u3046\u306e\u3067\u306f\u306a\u304f\u3001\u304a\u91d1\u304c\u51fa\u3066\u3044\u304f\u3053\u3068\u3059\u3079\u3066<\/strong>\u3092\u5dee\u3057\u307e\u3059\u3002\u5c06\u6765\u3078\u306e\u6295\u8cc7\u3060\u308d\u3046\u304c\u3001\u5bb6\u306e\u982d\u91d1\u3092\u8caf\u3081\u308b\u305f\u3081\u306e\u7a4d\u307f\u7acb\u3066\u3060\u308d\u3046\u304c\u3001\u5165\u3063\u3066\u304d\u305f\u304a\u91d1\u304c\u51fa\u3066\u3044\u304f\uff08\u6d88\u8cbb\u3057\u3066\u306a\u304f\u306a\u308b\u308f\u3051\u3067\u306f\u3042\u308a\u307e\u305b\u3093\u304c\u3001\u30c1\u30a7\u30c3\u30ad\u30f3\u30b0\u53e3\u5ea7\u304b\u3089\u51fa\u3066\u3044\u304f\uff09\u306e\u3067\u652f\u51fa\u3068\u3057\u3066\u30ab\u30a6\u30f3\u30c8\u3057\u307e\u3059\u3002<\/p>\n<p>&nbsp;<\/p>\n<h2>\u9280\u884c\u81ea\u52d5\u5f15\u304d\u843d\u3068\u3057\u306e\u652f\u51fa<\/h2>\n<p>\u3055\u3066\u3001\u3053\u308c\u3089\u306e\u7d66\u6599\u5929\u5f15\u304d\u306e\u5404\u652f\u51fa\u304c\u5dee\u3057\u5f15\u304b\u308c\u305f\u3042\u3068\u306e\u7d66\u6599\u3001\u3064\u307e\u308a\u624b\u53d6\u308a\u984d\u304c\u9280\u884c\u53e3\u5ea7\u306b\u5165\u91d1\u3055\u308c\u308b\u308f\u3051\u3067\u3059\u304c\u3001\u3053\u306e\u9280\u884c\u53e3\u5ea7(\u30e1\u30a4\u30f3\u30c1\u30a7\u30c3\u30ad\u30f3\u30b0\u53e3\u5ea7)\u304b\u3089\u652f\u6255\u3046\u3053\u3068\u306b\u306a\u308b\u305d\u306e\u4ed6\u306e\u652f\u51fa\u3092\u6b21\u306b\u898b\u3066\u3044\u304d\u307e\u3057\u3087\u3046\u3002<\/p>\n<p>\u307e\u305a\u306f\u3001\u9280\u884c\u53e3\u5ea7\u304b\u3089\u76f4\u63a5\u5f15\u304d\u843d\u3068\u3055\u308c\u308b\u652f\u51fa\u304c\u3042\u308a\u307e\u3059\u3002\u305f\u3068\u3048\u3070\u3001\u96fb\u6c17\u6599\u3068\u304b\u4fdd\u967a\u6599\u306a\u3069\u306e\u8cbb\u7528\u3092\u9280\u884c\u304b\u3089\u306e\u81ea\u52d5\u632f\u308a\u8fbc\u307f\u8a2d\u5b9a\u306b\u3057\u3066\u3044\u308b\u3088\u3046\u306a\u5834\u5408\u3067\u3059\u3002\u305d\u308c\u304b\u3089\u3001\u30bb\u30fc\u30d3\u30f3\u30b0\u3084\u305d\u306e\u4ed6\u306e\u9810\u91d1\u3084\u6295\u8cc7\u53e3\u5ea7\u3078\u306e\u81ea\u52d5\u7a4d\u7acb\u3092\u8a2d\u5b9a\u3057\u3066\u3044\u308b\u5834\u5408\u306f\u3001\u3053\u308c\u3089\u3082\u76f4\u63a5\u9280\u884c\u53e3\u5ea7\u304b\u3089\u5f15\u304d\u843d\u3068\u3055\u308c\u307e\u3059\u3002\u3053\u308c\u3089\u306b\u3064\u3044\u3066\u306f\u3001\u9280\u884c\u53e3\u5ea7\u306e\u660e\u7d30\u306b\u8a18\u8f09\u304c\u3042\u308a\u307e\u3059\u3002\u6708\u6255\u3044\u306b\u3057\u3066\u3042\u308c\u3070\u6bce\u6708\u3001\u56db\u534a\u671f\u3054\u3068\u3001\u534a\u5e74\u3054\u3068\u3001\u5e74\u9593\u6255\u3044\u306a\u3069\u306b\u3057\u3066\u3042\u308c\u3070\u3001\u305d\u308c\u305e\u308c\u9078\u629e\u3055\u308c\u305f\u6708\u306e\u660e\u7d30\u306b\u8a18\u8f09\u304c\u3042\u308b\u306f\u305a\u3067\u3059\u3002\u56db\u534a\u671f\u3054\u3068\u3001\u534a\u5e74\u3054\u3068\u3001\u5e74\u9593\u6255\u3044\u306e\u3082\u306e\u306b\u3064\u3044\u3066\u306f\u3001\u00f7\uff13\u3001\u00f7\uff16\u3001\u00f7\uff11\uff12\u3092\u3057\u3066\u6708\u5272\u306e\u8cbb\u7528\u306b\u63db\u7b97\u3057\u3066\u30de\u30f3\u30b9\u30ea\u30fc\u30ad\u30e3\u30c3\u30b7\u30e5\u30d5\u30ed\u30fc\u306b\u66f8\u304d\u5165\u308c\u307e\u3059\u3002<\/p>\n<p>\u30b5\u30f3\u30d7\u30eb\u306e\u30de\u30f3\u30b9\u30ea\u30fc\u30ad\u30e3\u30c3\u30b7\u30e5\u30d5\u30ed\u30fc\u3067\u306f\u7dd1\u306e\u30cf\u30a4\u30e9\u30a4\u30c8\u3067\u793a\u3055\u308c\u3066\u3044\u307e\u3059\u3002\u3053\u306e\u5bb6\u5ead\u306e\u5834\u5408\u306f\u3001\u304a\u5b50\u3055\u3093\u306e\u30ab\u30ec\u30c3\u30b8\u8cc7\u91d1\u3092\u305f\u3081\u308b\u305f\u3081529\u53e3\u5ea7\u3067\u6295\u8cc7\u3057\u3066\u3044\u307e\u3059\u304c\u3001\u6bce\u6708\u305d\u308c\u305e\u308c\u306e\u304a\u5b50\u3055\u3093\u306b\u9280\u884c\u53e3\u5ea7\u304b\u3089\u81ea\u52d5\u7a4d\u307f\u7acb\u3066\u3092\u3057\u3066\u307e\u3059\u3002\u305d\u308c\u306b\u52a0\u3048\u3001\u6708\u3005\u306e\u30ec\u30f3\u30c8\u3068\u96fb\u6c17\u30fb\u30ac\u30b9\u306a\u3069\u306e\u30e6\u30fc\u30c6\u30a3\u30ea\u30c6\u30a3\u3082\u9280\u884c\u304b\u3089\u81ea\u52d5\u652f\u6255\u3044\u306b\u306a\u3063\u3066\u3044\u307e\u3059\u3002<\/p>\n<p>&nbsp;<\/p>\n<h2>\u30af\u30ec\u30b8\u30c3\u30c8\u30ab\u30fc\u30c9\u306e\u652f\u51fa<\/h2>\n<p>\u4eca\u5ea6\u306f\u30af\u30ec\u30b8\u30c3\u30c8\u30ab\u30fc\u30c9\u3067\u652f\u6255\u3063\u305f\u652f\u51fa\u3092\u66f8\u3044\u3066\u3044\u304d\u307e\u3059\u3002\u9280\u884c\u53e3\u5ea7\u306e\u660e\u7d30\u306b\u306f\u3001\u6708\u306b\u4e00\u56de\u5f15\u304d\u843d\u3068\u3055\u308c\u308b\u30af\u30ec\u30b8\u30c3\u30c8\u30ab\u30fc\u30c9\u306e\u5f15\u304d\u843d\u3068\u3057\u984d\u3057\u304b\u8a18\u8f09\u304c\u3042\u308a\u307e\u305b\u3093\u3002\u305d\u306e\u8a73\u3057\u3044\u5185\u5bb9\u306f\u3001\u30af\u30ec\u30b8\u30c3\u30c8\u30ab\u30fc\u30c9\u660e\u7d30\u3067\u628a\u63e1\u3057\u3066\u3044\u304d\u307e\u3059\u3002<\/p>\n<p>\u3055\u3066\u3001\u3053\u3053\u306f\u3061\u3087\u3063\u3068\u624b\u9593\u304c\u304b\u304b\u308a\u307e\u3059\u3002\u4e00\u756a\u7c21\u5358\u306a\u306e\u306f\u3001\u30af\u30ec\u30b8\u30c3\u30c8\u30ab\u30fc\u30c9\u4f1a\u793e\u304c\u63d0\u4f9b\u3057\u3066\u3044\u308bAnnual Expense Report\u3068\u304bSpend Summary\u306a\u3069\u3068\u547c\u3070\u308c\u3066\u3044\u308b\u3082\u306e\u3092\u5229\u7528\u3059\u308b\u65b9\u6cd5\u3067\u3059\u3002\u30af\u30ec\u30b8\u30c3\u30c8\u30ab\u30fc\u30c9\u4f1a\u793e\u304c\u4e00\u5e74\u5206\uff08\u671f\u9593\u306f\u6307\u5b9a\u3067\u304d\u308b\u5834\u5408\u3068\u3001\u3042\u3089\u304b\u3058\u3081\u5b9a\u3081\u3089\u308c\u305f\u56fa\u5b9a\u306e\u4e00\u5e74\u306e\u5834\u5408\u3068\u3042\u308a\uff09\u306e\u5229\u7528\u3092\u30ab\u30c6\u30b4\u30ea\u30fc\u306b\u81ea\u52d5\u3067\u5206\u985e\u3057\u3001\u305d\u308c\u305e\u308c\u306e\u8cbb\u7528\u3092\u307e\u3068\u3081\u3066\u304f\u308c\u3066\u3044\u307e\u3059\u3002\u305f\u3068\u3048\u3070\u3053\u3093\u306a\u611f\u3058\u3002<\/p>\n<p><a href=\"https:\/\/smartandresponsible.com\/blog\/wp-content\/uploads\/2019\/09\/sprnd-summary.png\" ><img loading=\"lazy\" decoding=\"async\" class=\"aligncenter size-full wp-image-5043\" src=\"https:\/\/smartandresponsible.com\/blog\/wp-content\/uploads\/2019\/09\/sprnd-summary.png\" alt=\"\" width=\"836\" height=\"427\" srcset=\"https:\/\/smartandresponsible.com\/blog\/wp-content\/uploads\/2019\/09\/sprnd-summary.png 836w, https:\/\/smartandresponsible.com\/blog\/wp-content\/uploads\/2019\/09\/sprnd-summary-300x153.png 300w, https:\/\/smartandresponsible.com\/blog\/wp-content\/uploads\/2019\/09\/sprnd-summary-768x392.png 768w\" sizes=\"auto, (max-width: 836px) 100vw, 836px\" \/><\/a><\/p>\n<p>\u554f\u984c\u306f\u3001\u30ab\u30c6\u30b4\u30ea\u30fc\u304c\u30af\u30ec\u30b8\u30c3\u30c8\u30ab\u30fc\u30c9\u306e\u4efb\u610f\u3067\u5206\u985e\u3055\u308c\u3066\u304a\u308a\u3001\u5fc5\u305a\u3057\u3082\u81ea\u5206\u304c\u5206\u3051\u305f\u3044\u9805\u76ee\u3067\u306f\u306a\u3044\u3053\u3068\u3067\u3059\u3002\u305f\u3068\u3048\u3070\u4e0a\u3060\u3068\u3001Merchandise\u3068\u5927\u96d1\u628a\u306b\u5206\u3051\u308c\u3066\u308b\u30ab\u30c6\u30b4\u30ea\u30fc\u306b\u306f\u3001\u98df\u54c1\u3082\u8863\u6599\u3082\u672c\u3082\u307e\u3068\u3081\u3089\u308c\u3066\u3044\u305f\u308a\u3057\u307e\u3059\u3002\u3055\u3089\u306b\u306f\u3001\u81ea\u52d5\u5206\u985e\u304c\u3086\u3048\u306b\u3001\u5185\u5bb9\u3092\u3088\u304f\u898b\u3066\u3044\u304f\u3068\u3001\u533b\u7642\u8cbb\u304c\u98df\u8cbb\u306b\u5165\u3063\u3066\u3044\u305f\u308a\u306a\u3069\u8aa4\u5206\u985e\u3082\u3042\u308a\u307e\u3059\u3002\u3042\u308b\u7a0b\u5ea6\u30de\u30cb\u30e5\u30a2\u30eb\u3067\u5206\u985e\u3057\u306a\u304a\u3057\u305f\u308a\u3001\u3055\u3089\u306b\u5206\u985e\u3092\u7d30\u304b\u304f\u5206\u3051\u305f\u308a\u306a\u3069\u304c\u5fc5\u8981\u3067\u3059\u304c\u3001\u305f\u3060\u4f55\u3082\u306a\u3044\u3068\u3053\u308d\u304b\u3089\u3059\u308b\u3088\u308a\u306f\u697d\u304b\u3082\u3057\u308c\u307e\u305b\u3093\u3002<\/p>\n<p>\u3082\u3057\u30b9\u30af\u30e9\u30c3\u30c1\u304b\u3089\u81ea\u5206\u3067\u304d\u3061\u3093\u3068\u5206\u985e\u3057\u305f\u3044\u3068\u3044\u3046\u5834\u5408\u306f\u3001\u30da\u30fc\u30d1\u30fc\u306e\u660e\u7d30\u3092\u524d\u306b\u3072\u3068\u3064\u3072\u3068\u3064\u9805\u76ee\u30c1\u30a7\u30c3\u30af\u3057\u3066\u3044\u304f\u306e\u3082\u3072\u3068\u3064\u306e\u65b9\u6cd5\u3067\u3059\u304c\u3001\u3042\u307e\u308a\u306b\u5927\u5909\u306a\u5834\u5408\u306f\u3001\u30af\u30ec\u30b8\u30c3\u30c8\u30ab\u30fc\u30c9\u306e\u30aa\u30f3\u30e9\u30a4\u30f3\u30b5\u30a4\u30c8\u3067\u4e00\u5e74\u5206\u306e\u30c8\u30e9\u30f3\u30b6\u30af\u30b7\u30e7\u30f3\u3092\u307e\u3068\u3081\u3066Excel\u8868\u306a\u3069\u306b\u30c0\u30a6\u30f3\u30ed\u30fc\u30c9\u3057\u3066\u3001Excel\u3092\u4f7f\u3063\u3066\u5206\u985e\u3057\u3066\u3044\u304f\u3068\u3044\u3046\u65b9\u6cd5\u304c\u3088\u3044\u3067\u3057\u3087\u3046\u3002<\/p>\n<p>\u30b5\u30f3\u30d7\u30eb\u306e\u30de\u30f3\u30b9\u30ea\u30fc\u30ad\u30e3\u30c3\u30b7\u30e5\u30d5\u30ed\u30fc\u3067\u306f\u7d2b\u306e\u30cf\u30a4\u30e9\u30a4\u30c8\u90e8\u5206\u304c\u30af\u30ec\u30b8\u30c3\u30c8\u30ab\u30fc\u30c9\u3067\u652f\u6255\u3063\u305f\u3082\u306e\u3067\u3059\u3002\u3053\u308c\u3089\u306e\u3046\u3061\u3001\u4fdd\u967a\u6599\u3084\u30a4\u30f3\u30bf\u30fc\u30cd\u30c3\u30c8\u4ee3\u306a\u3069\u306f\u6708\u3005\u6c7a\u307e\u3063\u305f\u91d1\u984d\u304b\u3082\u3057\u308c\u307e\u305b\u3093\u304c\u3001\u98df\u8cbb\u3084\u751f\u6d3b\u7528\u54c1\u306a\u3069\u305d\u306e\u4ed6\u306e\u8cbb\u7528\u306f\u6708\u3005\u307e\u3061\u307e\u3061\u3067\u3057\u3087\u3046\u3002\u305d\u306e\u5834\u5408\u306f\u3001\u5e74\u9593\u306e\u5408\u8a08\u984d\u309212\u5272\u3057\u305f\u6570\u5b57\u3067\u5165\u308c\u3066\u3044\u304d\u307e\u3059\u3002\u3042\u307e\u308a\u306b\u6b63\u78ba\u306b\u3084\u308d\u3046\u3068\u3059\u308b\u3068\u5acc\u306b\u306a\u3063\u3066\u304f\u308b\u3068\u601d\u3044\u307e\u3059\u306e\u3067\u3001\u3042\u308b\u7a0b\u5ea6\u306e\u8aa4\u5dee\u306f\u4e38\u3081\u8fbc\u3093\u3060\u308a\u3001\u7d30\u304b\u3044\u5206\u985e\u306b\u56f0\u308b\u3088\u3046\u306a\u3082\u306e\u306f\u300c\u305d\u306e\u4ed6\u300d\u306a\u3069\u3092\u3064\u304f\u3063\u3066\u305d\u3053\u306b\u307e\u3068\u3081\u3066\u3057\u307e\u3063\u3066\u3082\u3088\u3044\u3067\u3059\u3002\u305f\u3060\u3001\u30de\u30f3\u30b9\u30ea\u30fc\u30ad\u30e3\u30c3\u30b7\u30e5\u30d5\u30ed\u30fc\u306b\u5165\u308c\u8fbc\u3093\u3060\u30af\u30ec\u30b8\u30c3\u30c8\u30ab\u30fc\u30c9\u652f\u51fa\u306e\u5408\u8a08\u304c\u3001\u30af\u30ec\u30b8\u30c3\u30c8\u30ab\u30fc\u30c9\u660e\u7d30\u306e1\u5e74\u9593\u306e\u5229\u7528\u5408\u8a08\u306b\uff08\u3074\u3063\u305f\u308a\u3067\u306a\u304f\u3066\u3082\u3044\u3044\u306e\u3067\uff09\u3060\u3044\u305f\u3044\u5408\u3063\u3066\u3044\u308b\u3088\u3046\u306b\u3057\u307e\u3059\u3002<\/p>\n<p>&nbsp;<\/p>\n<h2>ATM\u3068\u30c1\u30a7\u30c3\u30af\u306e\u652f\u51fa<\/h2>\n<p>\u5168\u4f53\u50cf\u3092\u628a\u63e1\u3057\u305f\u56f3\u3092\u898b\u3066\u307f\u3066\u304f\u3060\u3055\u3044\u3002\u3053\u3053\u307e\u3067\u3067\u3001\u7d66\u6599\u5929\u5f15\u304d\u306e\u652f\u51fa\u3001\u9280\u884c\u81ea\u52d5\u5f15\u304d\u843d\u3068\u3057\u306e\u652f\u51fa\u3001\u30af\u30ec\u30b8\u30c3\u30c8\u30ab\u30fc\u30c9\u306e\u652f\u51fa\u304c\u628a\u63e1\u3067\u304d\u307e\u3057\u305f\u3002\u6b8b\u308b\u306fATM\u3067\u30ad\u30e3\u30c3\u30b7\u30f3\u30b0\u3057\u73fe\u91d1\u3067\u4f7f\u3063\u305f\u8cbb\u7528\u3068\u3001\u30c1\u30a7\u30c3\u30af\u3092\u66f8\u3044\u3066\u652f\u6255\u3063\u305f\u8cbb\u7528\u3067\u3059\u3002<\/p>\n<p>\u30c1\u30a7\u30c3\u30af\u306b\u3064\u3044\u3066\u306f\u3001\u30c1\u30a7\u30c3\u30af\u30d6\u30c3\u30af\u306b\u6b8b\u3063\u3066\u3044\u308b\u30b3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href=\"https:\/\/smartandresponsible.com\/blog\/wp-content\/uploads\/2019\/09\/c1c115c1a35caecd1d2648f36fb60e7a.png\" ><img loading=\"lazy\" decoding=\"async\" class=\"aligncenter wp-image-5046 \" src=\"https:\/\/smartandresponsible.com\/blog\/wp-content\/uploads\/2019\/09\/c1c115c1a35caecd1d2648f36fb60e7a.png\" alt=\"\" width=\"680\" height=\"189\" srcset=\"https:\/\/smartandresponsible.com\/blog\/wp-content\/uploads\/2019\/09\/c1c115c1a35caecd1d2648f36fb60e7a.png 597w, https:\/\/smartandresponsible.com\/blog\/wp-content\/uploads\/2019\/09\/c1c115c1a35caecd1d2648f36fb60e7a-300x83.png 300w\" sizes=\"auto, (max-width: 680px) 100vw, 680px\" \/><\/a><\/p>\n<p>\u30de\u30f3\u30b9\u30ea\u30fc\u30ad\u30e3\u30c3\u30b7\u30e5\u30d5\u30ed\u2015\u304c\u4f5c\u6210\u3055\u308c\u305f\u4eca\u3001\u53ce\u652f\u306e\u7d30\u304b\u3044\u5185\u5bb9\u304c\u628a\u63e1\u3055\u308c\u305f\u3053\u3068\u306b\u306a\u308a\u307e\u3059\u3002\u4e00\u756a\u4e0a\u306e\u30de\u30f3\u30b9\u30ea\u30fc\u306e\u53ce\u5165\uff08\u30b0\u30ed\u30b9\u53ce\u5165\uff09\u306f<strong>$8,833\u3067\u3057\u305f\u300212\u500d\u3059\u308b\u3068\u3001$105,996<\/strong>\u306b\u306a\u308a\u307e\u3059\u3002<\/p>\n<p><a href=\"https:\/\/smartandresponsible.com\/blog\/wp-content\/uploads\/2019\/09\/929c480065f6a0ddf1d7ac4deb72aa12.png\" ><img loading=\"lazy\" decoding=\"async\" class=\"aligncenter size-full wp-image-5058\" src=\"https:\/\/smartandresponsible.com\/blog\/wp-content\/uploads\/2019\/09\/929c480065f6a0ddf1d7ac4deb72aa12.png\" alt=\"\" width=\"759\" height=\"214\" srcset=\"https:\/\/smartandresponsible.com\/blog\/wp-content\/uploads\/2019\/09\/929c480065f6a0ddf1d7ac4deb72aa12.png 759w, https:\/\/smartandresponsible.com\/blog\/wp-content\/uploads\/2019\/09\/929c480065f6a0ddf1d7ac4deb72aa12-300x85.png 300w\" sizes=\"auto, (max-width: 759px) 100vw, 759px\" \/><\/a><\/p>\n<p>\u7247\u3084\u3001\u4e00\u756a\u4e0b\u306e\u30de\u30f3\u30b9\u30ea\u30fc\u306e\u652f\u51fa\u5408\u8a08\u306f<strong>$8,572\u3067\u300112\u500d\u3059\u308b\u3068$102,861<\/strong>\u3067\u3059\u3002<\/p>\n<p><a href=\"https:\/\/smartandresponsible.com\/blog\/wp-content\/uploads\/2019\/09\/8141b6058c6cf6416026531833715f56-1.png\" ><img loading=\"lazy\" decoding=\"async\" class=\"aligncenter size-full wp-image-5059\" src=\"https:\/\/smartandresponsible.com\/blog\/wp-content\/uploads\/2019\/09\/8141b6058c6cf6416026531833715f56-1.png\" alt=\"\" width=\"802\" height=\"237\" srcset=\"https:\/\/smartandresponsible.com\/blog\/wp-content\/uploads\/2019\/09\/8141b6058c6cf6416026531833715f56-1.png 802w, https:\/\/smartandresponsible.com\/blog\/wp-content\/uploads\/2019\/09\/8141b6058c6cf6416026531833715f56-1-300x89.png 300w, https:\/\/smartandresponsible.com\/blog\/wp-content\/uploads\/2019\/09\/8141b6058c6cf6416026531833715f56-1-768x227.png 768w\" sizes=\"auto, (max-width: 802px) 100vw, 802px\" \/><\/a><\/p>\n<p>&nbsp;<\/p>\n<p>\u3055\u3066\u3001\u3053\u308c\u3089\u306e\u3075\u305f\u3064\u306e\u4e00\u5e74\u5206\u306e\u53ce\u5165\u5408\u8a08\u3068\u652f\u51fa\u5408\u8a08\u3092\u5148\u307b\u3069\u306e\u53ce\u652f\u8a08\u7b97\u5f0f\u306b\u3044\u308c\u3066\u307f\u307e\u3059\u3002<\/p>\n<p><a href=\"https:\/\/smartandresponsible.com\/blog\/wp-content\/uploads\/2019\/09\/f951e3050436d16a44086898710509d9.png\" ><img loading=\"lazy\" decoding=\"async\" class=\"aligncenter wp-image-5060\" src=\"https:\/\/smartandresponsible.com\/blog\/wp-content\/uploads\/2019\/09\/f951e3050436d16a44086898710509d9.png\" alt=\"\" width=\"801\" height=\"180\" srcset=\"https:\/\/smartandresponsible.com\/blog\/wp-content\/uploads\/2019\/09\/f951e3050436d16a44086898710509d9.png 712w, https:\/\/smartandresponsible.com\/blog\/wp-content\/uploads\/2019\/09\/f951e3050436d16a44086898710509d9-300x67.png 300w\" sizes=\"auto, (max-width: 801px) 100vw, 801px\" 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