Kakebo, the Japanese tip that allows you to save up to 35% of your salary

March 28, 2019

The author of the book on Kakebo's method said that the goal was to help women manage the national economy.

The kakebo, which is pronounced "kakiboh", is the Japanese word used to define a book of household accounts. Its origin dates back to 1904, according to Fumiko Chiba, author of Kakeibo: The Japanese art of saving money.

This way of saving requires a certain methodology but does not require a lot of resources: just a notebook, something to write, perseverance and will.

Chiba tells in his book that The creator of this method was Hani Motoko, considered the first woman journalist in Japan.who wanted to find a way that Women could effectively manage the family economy.

The author writes in the book: "Although Japan is a traditional culture in many ways, kakebo was a liberating tool for women, because it gave them control over financial decisions. "

Although there are applications to control the income and expenses of a cell phone, private account books are still marketed in Japan. They are usually sold at the beginning of each year and, according to Chiba, they are very popular.

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The task can be quite laborious, especially at the beginning. There is first note the daily expenses (or weekly, at your convenience) in different categories. For example: income (salary, income, pension); essential expenses (housing, transportation, food, home care and medicines); leisure (restaurants, shopping, gym, etc.) and extras (gifts, repairs, trips).

In turn, you can create subcategories and use different colors to make it attractive. At the end of the month, you have to subtract: income minus expenses.

The philosophy behind using kakebo is to focus on things that can not be abandoned and learn to get rid of those that are not a basic expense.

To do this, when it is time to badess how much, how and how we spent this money, we need to take stock by answering four key questions:

• How much money did you save?
• How much money would you have liked to save?
• How much do you really spend?
• What would you change next month to improve?

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Proponents of this method say that the fact that it is a manual method helps to make better known what the money is used for and forces us to think about the objectives so that the savings realized are more effective. In addition, This technique can help you save up to 35% of your income.