Who doesn’t love to reach the end of the month with? extra money in your pocket? Because in these times of crisis when salaries are so low and rents so high, having a small amount to spend. save money for future investments or just pamper yourself, It is something that not everyone can afford. And far from it, it’s guaranteed every month.
However, there are different methods that help to keep track of the expenses that each person may have on a monthly basis and make the most of the income generated. One of these techniques comes from the land of the rising sun and is more than a century old: kakebo. a Japanese kanji word that literally means ‘household finance book’.
Kakebo was born by a hand in 1904. Motoko HaniFounder of the magazine ‘La compañera de la mujer’ and first journalist Japanese woman. The purpose of this Eastern method was to control household finances and give the women of the time more power over the money their husbands earned.
This savings technique is actually a simple ledger where monthly income and expenses are recorded. Kakebo splits in two quarters, weeks and days We will have to write down everything we do with our money.
This kakebo Divide the monthly expenses into four big blocks:
- survival: meals, rent, transportation and other fixed and necessary amounts for living.
- Optional: Expenditure on leisure that we can neglect but still make every month. Here you can go for night outs, eating at restaurants, shopping for clothes, etc. would enter.
- Culture: expenses for museum visits, concerts, movie tickets and all monthly cultural events.
- Additional features: These are unforeseen expenses that may arise at any time, such as device repair, birthday, traffic ticket.
This Japanese technique accurately record any payment What do we do in each of these categories? Of course, we should point out even the smallest expenditure we make on a daily basis, something that can sometimes be annoying. The most comfortable is to start with. fixed costs monthly and save all tickets to write them down at the end of the day.
This kakebo It also invites us to create a monthly financial goal, a habit change to improve that goal, and an estimate of the money we’ll save.
Thanks to this technique, we will clearly see how much money do we spend on everythingThis will allow us to learn to recognize our spending and reduce it significantly to save money at the end of the month.
Source: Informacion
Calvin Turley is an author at “Social Bites”. He is a trendsetter who writes about the latest fashion and entertainment news. With a keen eye for style and a deep understanding of the entertainment industry, Calvin provides engaging and informative articles that keep his readers up-to-date on the latest fashion trends and entertainment happenings.