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    Kakeibo Guide Template 2

    Uploaded by

    darrielabua
    The document provides a guide and template for using Kakeibo, a Japanese budgeting technique. It outlines 9 steps to get started which include writing down income and expenses, setting savings goals, tracking spending daily in categories, and reflecting regularly. The guide includes a detailed template to track spending and expenses over the month in the different categories.

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    © All Rights Reserved
    Download as PDF, TXT or read online from Scribd

    Kakeibo Guide Template 2

    Uploaded by

    darrielabua
    241 views9 pages
    The document provides a guide and template for using Kakeibo, a Japanese budgeting technique. It outlines 9 steps to get started which include writing down income and expenses, setting savings goals, tracking spending daily in categories, and reflecting regularly. The guide includes a detailed template to track spending and expenses over the month in the different categories.

    Original Description:

    Ancient Japanese Saving cheat sheet

    Original Title

    Kakeibo-Guide-Template-2

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    © © All Rights Reserved

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    The document provides a guide and template for using Kakeibo, a Japanese budgeting technique. It outlines 9 steps to get started which include writing down income and expenses, setting savings goals, tracking spending daily in categories, and reflecting regularly. The guide includes a detailed template to track spending and expenses over the month in the different categories.

    Copyright:

    © All Rights Reserved
    Download as PDF, TXT or read online from Scribd
    Download as pdf or txt
    241 views9 pages

    Kakeibo Guide Template 2

    Uploaded by

    darrielabua
    The document provides a guide and template for using Kakeibo, a Japanese budgeting technique. It outlines 9 steps to get started which include writing down income and expenses, setting savings goals, tracking spending daily in categories, and reflecting regularly. The guide includes a detailed template to track spending and expenses over the month in the different categories.

    Copyright:

    © All Rights Reserved
    Download as PDF, TXT or read online from Scribd
    Download as pdf or txt
    of 9

    Kakeibo

    Guide &
    Template

    Vincent Chan
    vincentchan.co
    Kakeibo is a Japanese budgeting technique that focuses on mindful
    spending and financial awareness.

    By setting clear goals, tracking your spending, and reflecting on your


    habits, you can take control of your finances and work towards a more
    secure financial future.

    Use this guide and template to help you get started with Kakeibo and
    take control of your finances.
    STEP 1
    Write down your income. If you have multiple streams of income, fill in a new row for each stream. Then
    calculate the total.

    STEP 2
    Collect information on your fixed expenses like rent, utilities, insurance and jot them down. Then identify
    the total.

    STEP 3
    Determine how much money you want to save this month. Be realistic with this number.

    STEP 4
    Determine how much money you have leftover after taking your income, fixed expenses, and savings goal
    into account. If you have a leftover balance from last month, incorporate it here.

    STEP 5
    Determine how much you can realistically spend per day to still achieve your savings goal. Use the total
    money you have leftover from Step 4 and divide it by the number of days in the current month to determine
    your per day spend.

    STEP 6
    Throughout the month, record every expense in your chosen categories. Be diligent and honest about your
    spending habits. Make sure to use the detailed Monthly Tracker to categorize your expenses into the four
    main buckets: Need (essential expenses), Want (non-essential but important), Culture (cultural and
    personal development), and Unexpected (unexpected or irregular expenses).

    See below for examples of these expenses

    Need Want Culture Unexpected

    Rent/Mortgage Groceries Books Gift

    Utilities Transportation Courses Repairs

    Subscription Medical
    Insurance Hobbies
    Services Expenses

    STEP 7
    Calculate your total monthly expenses to get a holistic view

    STEP 8
    Breakdown your spending by category

    STEP 9
    At the end of each week or month, reflect on your spending by answering these 4 questions. Use this
    reflection time to adjust your spending habits and plan for the upcoming week.
    MONTH:

    STEP 1: WHAT’S YOUR INCOME?

    DATE INCOME AMOUNT

    TOTAL INCOME

    STEP 2: WHAT ARE YOUR FIXED EXPENSES?

    DESCRIPTION AMOUNT DATE PAID NOTES

    10

    11

    12

    13

    14

    15

    16

    17

    18

    19

    20

    21

    22

    23
    TOTAL FIXED EXPENSES
    STEP 3: HOW MUCH DO YOU WANT TO SAVE?
    SAVINGS GOAL

    STEP 4: HOW MUCH MONEY DO YOU HAVE LEFTOVER?


    BALANCE FROM LAST MONTH 1
    TOTAL INCOME
    2

    TOTAL FIXED EXPENSES 3

    SAVINGS GOAL 4

    TOTAL LEFTOVER 1+2-3-4

    STEP 5: HOW MUCH I CAN SPEND PER DAY?


    Income
    TOTAL LEFTOVER 1

    NUMBER OF DAYS 2

    TOTAL PER DAY 1/2

    STEP 6: TRACK YOUR MONTHLY SPENDING

    SUN MON TUE WED THU FRI SAT


    Budget

    Total
    Balance
    Expenses

    Budget

    Total
    Balance
    Expenses

    Budget

    Total
    Balance
    Expenses

    Budget

    Total Balance
    Expenses

    Budget

    Total Balance
    Expenses

    HOW DID YOU DO?


    TOTAL BUDGET TOTAL EXPENSES DIFFERENCE

    - =
    STEP 8: DETAILED MONTHLY TRACKER

    CATEGORY
    DATE DESCRIPTION AMOUNT
    N W C U

    N = Need
    W= Want
    C = Culture
    U = Unexpected
    STEP 7: REVIEW YOUR MONTHLY EXPENSES

    BALANCE FROM LAST MONTH


    1
    TOTAL INCOME
    2
    TOTAL EXPENSES
    Total Fixed Expenses + Other Expenses 3

    TOTAL SAVINGS
    4

    MONTHLY BUDGET B/FWD**


    1+2-3-4

    **B/FWD means Balance Forward, Leftover amount for this month that is carried over the next month

    STEP 8: REVIEW YOUR CATEGORY EXPENSES

    NEED

    WANT

    CULTURE

    UNEXPECTED

    TOTAL

    STEP 9: ANSWER THESE REFLECTION QUESTION

    1. HOW MUCH MONEY DO YOU HAVE?

    2. HOW MUCH MONEY WOULD YOU LIKE TO SAVE?


    3. HOW MUCH MONEY ARE YOU SPENDING?

    4. HOW CAN YOU IMPROVE?


    I hope you found this Kakeibo Guide and
    Template helpful :).

    If you have any questions or comments,


    send me an email at [email protected]

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