Here Is An Excellent Japanese Method For Saving Efficiently

For many of us, saving is a practically impossible task. Often at the end of the month we are close to the mark and we are not able to put down even the proverbial penny. Fixed household costs combine with whims and unforeseen expenses, and the money disappears in the blink of an eye, shortly after it is earned.

Learn the secret of the Japanese, one of the most technologically advanced nation in the world. At the beginning of the 20th century, he developed an excellent system aimed at effective savings . It is widely used today and helps to effectively control all monthly expenses.

This Japanese saving system is called kakebo and it consists of recording all expenses and income. It is a simple agenda in which all financial operations, even the smallest ones, should be recorded.

Thanks to it, the Japanese are able to manage their money quickly and efficiently and always know what they spend the most on.

Another undisputed advantage of kakebo is that it helps to make people aware of which expenses are important and necessary for a dignified life, and which of them are completely unnecessary and we can easily do without them.

Saving kakebo – what is it?

• You should always start saving with the kakebo method at the beginning of the month and from the first day of recording all incomes and expenses – fixed, unforeseen and all whims. Balance can be done in no time.
• We get the balance sheet after deducting all expenses from income. Proper money control assumes that basic living costs make up the vast majority of all expenses. If you want to save money for something, it is at this stage that you should consider where you can cut costs and save.

• After you have obtained the final amount of all expenses and determined the planned surplus, you can write down the amount allocated for savings. This way, it will be easier for you to achieve your goal.
• Make a note of all your expenses during the month. Kakebo specialists advise you to do this every day as you may unknowingly skip something when you write down once a week.
• The best method is to keep all invoices and receipts for purchasing products and services. At the end of the day, they will serve as a cheat sheet and you will be able to accurately record all, even the smallest, expenses.

Saving kakebo – organization

The kakebo saving agenda is divided into several categories, which usually include our daily and unusual expenses. As an example, we give the most important of them:

• Food.
• Transport.
• Health.
• Household.
• Entertainment.
• Unexpected expenses.

The relevant expenses should be recorded in the appropriate category. The purpose of these entries is to add up all costs at the end of the week and get a balance sheet that shows us whether saving for the week was possible. If not, next week’s your chance to eliminate unnecessary expenses.

The monthly balance sheet will allow you to have full control of all expenses. You will always be aware of how much you spend and how much you can save. Regularly analyze your notes to determine where costs can be cut. Perhaps you spend too much on food, entertainment, or whims.

The kakebo method will also allow you to determine your ideal monthly spending value and make saving easier. Plan each subsequent month and you’ll never have a problem controlling your own money again.

The effectiveness of kakebo

If you decide not to buy clothes in a given month or week, consistently stick to this assumption. Saving with the kakebo method is possible whenever we show strong will and consistently pursue the set goal.

The original version of kakebo is based on a graphic form. However, there are no contraindications to replace it with any other, your own system.

However, each of them should be based on a daily record of all expenses and keeping a monthly balance sheet.

At the end

Conscious control of expenses is a very useful and valuable skill these days. Thanks to it, you will avoid unpleasant situations and unplanned debt. Saving with the kakebo method will allow you to always have an additional amount for larger purchases or save you in a difficult situation

Regardless of whether you use the original Japanese kakebo, a notebook or a regular napkin, keep a record of your expenses and become aware of controlling expenses and saving. Remember to be honest and persistent in this.

The results of this Japanese tradition are truly fantastic. Do not hesitate any longer and organize your first notebook today or buy yourself a real Japanese kakebo. You will be delighted to see your savings growing in your account!