Kakebo Method: How to Learn to Save Money in Japanese
'10.03.2020'
Source: Rambler
The Japanese work about 60 hours a week. And they know how to save. For this, the Japanese Motoko Hani more than 100 years ago came up with a special financial system called Kakebo. Rambler tells what it is and how to plan a budget in Japanese.
Kakebo translates as a "home saving book." Its main principle is pretty banal - keep a budget account. However, the Japanese approach is interesting in how to learn how to save using tables.
So, first you need to get two notebooks. The first will be designed to record daily expenses. Everything is simple here: spent - recorded. A second notebook is needed for making plans: expenses, incomes and savings.
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In the income plan you need to write down all the income for the month: salary, extra income, repaid debt. The cost plan includes mandatory spending. For example, credit, payment of utilities, car maintenance and more. An accumulation plan is how much you plan to set aside.
From the amount of income you must subtract the required costs and savings. The remaining amount must be left for current expenses: household expenses, education, entertainment and unforeseen situations.
At the end of the month, you need to analyze whether you met the plan, what you spent too much on, and where, on the contrary, you managed to save. For example, you can conclude that you often drank coffee, and take this into account when planning your budget for the next month.
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Also, according to the Kakebo system, you can regularly save small amounts. For example, change from a trip to the store or money that a friend borrowed.
In addition, the Japanese offer to introduce a system of fines. They said an obscene word - a fine, put things off for tomorrow - another fine. All the money collected from yourself must be put aside in a piggy bank or in a savings account.
