Cina vs Giappone: i segreti di risparmio più sorprendenti del 2025

Cina vs Giappone: i segreti di risparmio più sorprendenti del 2025

“What if the smartest ways to save money in 2025 
aren’t found in finance books—but in the daily lives of young adults in China and Japan?” 
Li Wei, a 28-year-old marketing executive, just deposited ¥20 into her digital savings jar 
using an app that rounds up her daily spending. Over in Tokyo, Haruki, a freelance 
designer, scribbles in his Kakeibo notebook, quietly tracking yesterday’s expenses and 
reflecting on whether they brought him joy. Though separated by geography, culture, and 
language, both are chasing the same goal—financial security in a world that feels anything but 
stable. Today, saving money isn’t just about discipline—it’s about adapting to rising costs, 
unpredictable job markets, and changing values. From frugal living apps in China to the Kakeibo 
method in Japan, these 2025 money-saving strategies reveal how different cultures are 
beating inflation and living with intention. This video explores the latest and most 
unique saving techniques from China and Japan—two countries with deep traditions 
of thriftiness, but very different paths. we’ll unlock saving strategies you’ve never 
heard of—but will definitely want to try. NUMBER 1. China’s 2025 Frugal Revolution:
In China’s growing frugal living movement, Li Wei wakes up and checks her phone, and sees 
a small but steady total in her digital savings account. It’s not much—just a few yuan a day—but 
it adds up fast. She’s part of a new generation in China choosing to save more, even when 
interest rates are low and jobs feel uncertain. Today, many Chinese people, especially young 
adults, are becoming more cautious with money. The economy is growing slower than before, 
and real estate—the go-to investment for older generations—no longer feels safe. 
The result? People are spending less and saving more, often in very creative ways.
One popular trend is micro-saving apps. Tools like Yu’e Bao, run by Ant Financial, 
let users round up spare change from online purchases or automatically move 
small amounts into savings every day. It feels painless but builds a strong habit.
Another shift is happening on social media. Some platforms are full of short videos and 
posts where users swap “saving hacks”—from cheap skincare dupes to DIY meals for under 
10 yuan. For many, saving money has become a kind of online challenge or lifestyle.
What’s unique is how digital culture and traditional values are merging. Chinese families 
have long believed in the importance of saving for the future—especially for things like education, 
housing, and healthcare. But today’s young people are using apps, automation, and online communities 
to make those old ideas work in modern ways. At the same time, some banks are lowering 
interest rates on deposits, which pushes people to look for smarter options. Short-term 
investment funds, money market accounts, and group-buying deals are becoming more popular. Even 
so, security—not risk—is still the top priority. In short, China’s saving culture now is 
about being flexible, digital, and careful. The old habit of saving is still alive, but it now 
wears a new face: one shaped by apps, algorithms, and a shared anxiety about the future.
And for people like Li Wei, that daily ¥20 isn’t just spare change—it’s a quiet 
way of taking control in uncertain times. But halfway across Asia, a very different 
approach to saving is quietly thriving. NUMBER 2. Mindful Minimalism and 
Kakeibo: Japan’s Frugal Living Comeback. As part of Japan’s 2025 frugal living comeback, 
Haruki sits at his desk in Tokyo. He opens a notebook and writes down how much he spent that 
day. A coffee here, a train ride there. But he doesn’t just write numbers—he asks himself, 
Was this necessary? Did it make me happy? This is part of a traditional Japanese method 
called Kakeibo, which means “household financial book.” It’s more than a budget—it’s a way of 
thinking. Today, this method is becoming popular again, especially among young people dealing 
with rising prices and modern money stress. Japan’s economy has changed. For many years, 
prices stayed low. But now, inflation is creeping in—things are getting more expensive, 
and wages aren’t rising fast. So, people are going back to basics: spending less, saving more, 
and thinking deeply before buying anything. One powerful idea in Japan is “mottainai”, which 
means “don’t waste.” It’s about respecting your money, your time, and the planet. That’s 
why many Japanese people cook at home, reuse items, and live simply. They don’t 
just save money—they live with purpose. Now, minimalism is a big part of Japanese 
life. Instead of filling homes with things, many people choose to own fewer, 
better-quality items. They don’t chase trends—they save for what truly matters.
At the same time, the government is encouraging people to invest. One example is the 
NISA account, which lets people invest money tax-free. It’s a way to grow savings 
over time and build wealth for the future. Technology is helping too. There are now 
digital versions of Kakeibo, apps that ask you to reflect on your spending and suggest 
small changes. But even with tech, the heart of the method is still the same: be mindful.
For Haruki, saving isn’t about being cheap—it’s about choosing what matters. 
A meal with friends, a tool that lasts, or a small emergency fund for peace of mind. 
Japan’s saving style shows that money isn’t just something to count—it’s something to respect.
In a world that’s moving fast, Japan’s quiet, thoughtful way of saving is a gentle 
reminder to slow down and spend with care. NUMBER 3. Comparative Analysis: 
Contrasting Saving Philosophies. Today, the way people save money in China 
and Japan reveals how culture, technology, and mindset can lead to radically different 
financial habits. In China, saving is fast, digital, and social. Many young people use mobile 
apps to automatically save small amounts each day. They also follow and share money-saving 
tips on some platforms. Saving has become a kind of online trend—fun, competitive, and 
often shared with others. It’s a smart way to build habits without thinking too much about it.
In Japan, saving is quiet, slow, and thoughtful. People write in notebooks, ask themselves deep 
questions, and focus on spending with purpose. The Kakeibo method helps them feel in control 
and connected to their choices. Saving is not just about numbers—it’s about peace of mind.
China’s method is about speed and automation. Japan’s method is about reflection and intention.
China focuses on short-term security. People worry about job losses or health costs, so they save to 
feel safe right now. Japan, while also careful, includes more long-term thinking. Tools like the 
NISA account help people invest for the future while staying calm and focused in the present.
But both cultures share one key idea: saving money brings freedom. Whether through a budgeting 
app or a handwritten journal, people want the same result—a life with less stress and more choices.
In the end, China’s approach teaches us to use technology to make saving easy. 
Japan’s approach reminds us to slow down and think deeply about money.
If you combine both—smart tools and thoughtful choices—you get a powerful way 
to save in 2025, no matter where you live. Now that we’ve seen how people in 
China and Japan save money today, let’s look at some smart, easy tips you can 
try in your own life—no matter where you live. Tips from China:
Use Micro-Saving Apps. Try apps that round up your spending and 
save the change automatically. If you buy something for $9.30, the app saves $0.70. 
You won’t even notice it—but it adds up fast. Set Small, Daily Goals.
Many Chinese savers aim to save just a few dollars a day. It’s less stressful than trying to save a 
big amount all at once. Start with $1 or $2 daily. Join Online Saving Challenges. Follow social media groups or forums 
where people share saving hacks, budget meals, or no-spend weeks. It’s fun and 
motivating when you’re not doing it alone. Tips from Japan: Mindful and Minimalist.
Try the Kakeibo Method. Keep a notebook and write down what 
you spend each day. Ask yourself: Was it necessary? Did it bring me joy? 
This helps you spend with more care. Practice No Waste).
Don’t waste money or things. Fix items instead of throwing them away. Cook 
at home more often. Use what you already have. Save Before You Spend.
Before buying something new, wait 24 hours. If you still really want it after 
a day, go for it. If not, save the money instead. Use apps to build saving habits (like in 
China), but also take time to reflect on your spending (like in Japan). This mix 
is powerful—and easy to start today. Li Wei uses apps. Haruki uses a 
notebook. Both are saving money in ways that match their lives 
and values. And you can too. NUMBER 4. The Role of Community: 
Quiet Culture vs. Digital Crowds. Japanese saving is deeply personal. Most 
people do it privately—writing in journals, managing home finances silently. 
Money talk is often seen as impolite, so financial success is kept quiet. This creates 
discipline, but sometimes limits open learning. In China, saving has become social. 
Online platforms like Douyin (TikTok), and WeChat are full of micro-influencers sharing 
“how I saved 10,000 yuan in 3 months.” Peer-driven saving challenges and public tracking encourage 
young people to save through friendly competition. In 2025, you can choose both. 
Try tracking your spending alone, in a private Kakeibo journal. Then, once a week, 
join a digital saving group or community to share progress, ask questions, and stay inspired.
This “quiet-then-connected” model offers the best of both cultures. You stay rooted in reflection 
while gaining momentum from a community. Savings, after all, grow faster when your mindset does too.
Now, the smartest way to save isn’t about choosing just one method. It’s about 
blending the best of both worlds. So grab your phone or a notebook. Pick one 
small habit to try this week. Saving money is more than just math—it’s a mindset. 
Let us know in the comments: are you more of a digital saver or a mindful minimalist?
Don’t forget to like, comment and subscribe to the channel to see more content like this. Thanks 
for watching and I’ll see you in the next video.

Forget budgeting—these real-world saving habits from China and Japan are quietly changing how people protect their money in 2025.

In this video, we dive into two powerful yet very different saving styles: China’s fast-paced, app-powered micro-saving trend and Japan’s quiet, mindful return to the Kakeibo method. From ¥20 savings challenges to handwritten financial reflections, we uncover the cultural mindsets shaping the way people protect their money today.

Why is saving money becoming a viral challenge in China? How is Japan’s concept of “mottainai” reshaping daily spending? And most importantly—what can YOU borrow from both to build real financial peace, starting now?

You’ll leave with smart, globally inspired money-saving tips you can try this week—no matter where you live or how much you earn.

If you’ve ever felt like budgeting just doesn’t work for you, this video might change the way you think about money forever.

👇 Are you more like Li Wei or Haruki? Drop a comment and tell us your saving style.

👍 Like this video if you found a tip to try.
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