If you track your expenses, then you will know what to spend more, but will also begin to save and abandon unnecessary spending. A Japanese method - kekebo - help you with this.
Many people find it difficult to save money, especially at the end of the month when the next paycheck is coming.
In Japan there is a tradition, which was initiated and is still only sechas it is experiencing in 1904, "a revival." This method is called kekebo, it is the most effective way to save money and is a registration system of checks and balances. Kekebo - is nothing more than a diary, where there are all committed expenses and those scheduled to perform, as well as income for the month.
How to save and in what does not deny / istockphoto.com
How to use?
First, you need to make a precise plan how you are going to spend and how much to save, and then write down what you need to do is to stick to the plan.
To help yourself, you need to answer 4 questions:
- how much money do you have?
- how much you want to save?
- how much do you spend?
- how can you improve it?
You need to divide your money into 4 categories:
- Survival - it's food, transportation, medical care, rent, etc.)..
- Elective - hikes in the cafe, clothing, footwear);
- culture - books, music, movies;
- additional costs - gifts or repair. And yet, what are you going to do this month to save up at least a little bit of money.
Next you need to allocate money for these categories in separate envelopes. And then worth having "spending diary", recording their weekly spending to keep track of their money. Add a variety of motivational quotes, images and emoticons. At the end of the month are considered the results to see where you succeeded and where spent too much. Well, the plan for the next month need to be based on previous mistakes.
How to save and in what does not deny / istockphoto.com
How it works?
The essence of this method - not only plan, but honestly record their habits and allocate budget wisely. This will help to learn how to not spend money on nonsense, and enjoy what you really love.
Do not be afraid to write down what you spend your money. This makes it clear how strong your habits. Also, according to your records, you can understand the reasons why you can not save - maybe you too often go by taxi, or your entertainment budget is too high.
If you do decide to buy kakebo, be determined and consistent. And you get in the end to postpone as much planning? Perfectly! Or you have gone beyond your budget? Then, in the next month should be more focused and cautious.
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