The Japanese Wealth-Building and Saving Technique (EXPLAINED)
Today we’re going to talk about how to save money in record time. I’m going to show you the best method that the Japanese use in their daily routine and that we can apply in our lives to save more money than most people. Easterners are known for being very organized, especially with their finances. It’s no coincidence that most of them when they come to work in Latin America become rich quickly. You probably know of a Japanese person who came open a shop or a restaurant and soon became wealthy. For thousands of years, the Japanese have been recording, analyzing, and optimizing their expenses. And one thing is certain, we have a lot to learn from them, especially when it comes to finances. Japan is the third largest economy in the world behind China and second place in the United States. In first much of these results come from the population which mostly possesses what we could call financial intelligence. In this video we will show you everything about the Kakbo technique used by the Japanese which is capable of completely revolutionizing your finances. This savings method is a good option for those looking for greater financial control in their lives. It is ideal for you if you sometimes run out of money at the end of the month or if you work just to pay bills. So pay attention. If this content seems relevant to you, subscribe to the channel and turn on notifications so you’ll be informed whenever we launch a new video. Kakibo is a Japanese method used to save money. It works like a kind of financial diary which can be physical or digital with tables to record and analyze income and expenses. But its difference lies in the focus on the savings you want to make each month rather than the budget available after paying all the bills. The word kakibbo in Japanese can be translated as household account book. The method was originally adopted by Hanimoko who was born in the 19th century and is considered Japan’s first female journalist. At that time, women were responsible for managing the household economy using the available money as efficiently as possible. To this day, it remains an effective method for organizing finances and saving money every month. Khakibo, instead of focusing first on what is spent, focuses on how much you like to save and what you need to do to reach that goal. At first glance, the idea may seem very similar to simple budget control. This is because one of the key points of the technique is to encourage regular recording of your income and expenses. However, it doesn’t stop there. The goal is not just to record the information and follow the budget, but to identify your spending patterns and reflect on important questions related to them. With this, the most important factor when using the cockbo technique is not just to save money, but to know how to spend more efficiently. That is to prioritize what really matters to you and as a consequence save on what is less important. The Kibbo approach begins each month by recording fixed income and expenses. Then you must set a savings goal for the month as well as a personal commitment that will increase the likelihood of achieving that goal. Your expenses should be divided into four categories. Survival, optional culture, and extras. Survival covers food, transportation, and health care costs. Culture includes books, movies, and music. Optional refers to things you don’t need but choose to do, such as dining out, shopping, drinks, parties, and others. Extras are unforeseen expenses such as car repairs, accidents, and more. At the end of each week, you should check if you’re on track to reach your goal. This forces you to know exactly where your money is going and allows you to make quick adjustments before ending the month in the red. Additionally, it doesn’t matter if you’re tracking your expenses automatically in an online financial management system, entering numbers into a spreadsheet, or writing in a notebook. It all comes down to spending less than necessary. As you can see, the essence of this technique is to be mindful. Think about the future. Learn and be persistent. However, the Japanese have a very useful secret to make it truly effective. Unlike Westerners in Japan, the use of cash is still very strong, and this greatly helps practice the kibbo. Some Japanese even use envelopes to store the money allocated for each category of the month. If the money runs out, they need to think of cost alternatives to survive for emergencies or unforeseen events. They simply withdraw part of one of their investments. In fact, for this technique to work correctly, it’s ideal to eliminate credit cards from your life. Because even though I don’t know you or your habits, I’m sure your credit card is completely hindering your financial life. So to use the cockibbo technique to manage your money, start by categorizing your expenses. Remember the four categories already mentioned here in the video. Survival, optional culture, and extras. Then define your priorities. After categorizing your expenses, it’s time to analyze which bills are the most important and cannot be eliminated from the budget. The goal here is to maintain priorities and reduce non-essential expenses. The third step is to analyze where your money is going. While defining priorities, it’s important to identify where your money is going. This way, it’s easier to make a diagnosis of your personal financial management for questions should be used at this point. How much money did you save? How much money would you like to save? How much money are you spending? What could be changed next month to improve? That’s why you need to look at your cockibbo records and reflect on how to optimize your savings. The fourth step is to clearly define your savings goals. You know the phrase, if you don’t know where you want to go, any road will take you there. With finances, it works the same way. If you don’t have real goals to find, you’ll get lost in the process with your financial diagnosis. Ready? The next step is to set a savings goal. that is define how much you’d like to save next month. It’s possible to set a specific amount or percentage of your income with this definition combined with strategies to reduce unnecessary expenses and control your budget. It’ll be easier to reach your goal. The fifth step is to repeat the process. Kakibbo, like any financial management tool, is only effective if practiced every month. After all, the goal is to continuously optimize your use of money and increase savings. So, include Kakibbo in your financial routine. One of the main benefits is that with each month’s record, at the end of year, you’ll have a broad view of your spending habits. Additionally, over time, it will become easy to save during the month, whether to build your emergency financial reserve or make investments. By the way, if you wish, the money you save each month can be used to participate in the 52-E challenge. Free yourself.
Ever wondered why Japanese families are some of the most financially disciplined and secure in the world?
The secret is Kakeibo – an age-old Japanese budgeting method that helps you save money, track expenses, and grow long-term wealth without complicated apps or spreadsheets.
In this video, you’ll discover:
✅ What is the Kakeibo method and how it works
✅ Why Kakeibo is so effective in helping Japanese households build wealth
✅ Step-by-step tips to use Kakeibo for saving more and spending smarter
✅ Real-life examples to help you get started today
Whether you want to build savings, pay off debt, improve money habits, or achieve financial freedom, the Kakeibo method is a simple yet powerful way to take control of your money – the Japanese way.
📌 Start applying Kakeibo today and watch your financial life transform.
💡 Watch till the end for practical budgeting tips and proven strategies to make your money work for you.
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