How the Japanese save, meet kakeibo

The Japanese save on two finances all year round so they don’t get into trouble. And the name of this uniquely Japanese type of economy is the kakeibo.

O kakeibo was originally developed in 1904 by Hani Motoko, Japan’s first female journalist. It was a household accounts diary to help busy women organize their finances and align their lifestyle with their budget.


As much as it may seem archaic, since things are written down in a newspaper, this methodology is still used today and has helped many families to make their savings. It is worth remembering that Japan has also been going through a financial crisis as a result of the coronavirus pandemic and also because of the war in Ukraine.

Find out more about how this economy can be achieved and how you can apply it in your daily life.


The Japanese save a lot with a simple control of their expenses

In an Asian society traditionalthe concept of kakeibo it was a concept ahead of its time. After all, it was developed by a woman, something that was not well regarded at the time, and it also helped many people to save money. But what is surprising is that many modern women, both Japanese and Western, are still embracing the concept well into the 21st century.

In the pages of his magazine, Makoto, the one who invented this name, encouraged his readers to develop schedules and systems for housework. She also promoted the concept of housewives as managers of household finances and advised them to save for their families.

Kakeibo revolves around four key questions:

  1. How much money do you have available?
  2. How much do you want to save?
  3. How much money are you spending?
  4. How can you improve?

By looking closely at what you’re doing with your money and asking yourself deep, thoughtful questions, you can change your money habits and reach your goals.

Read too:

The Japanese save and you too can start now

Why do savings with a manual control need to be made for this method to work?

While it may be easier to rely on an automated quote application, you are more likely to process the information recorded when you do it manually.


According to studies already carried out, when doing this registration manually, it increases the probability of having greater control.

While it may be easier to rely on an automated quote application, you are more likely to process the information recorded when you do it manually.

One study published in Psychological Science found that students who took notes in class by hand were better able to answer in-depth conceptual questions about a subject compared to students who took notes on their laptops. Students who wrote their notes by hand paraphrased and adjusted what they were hearing, taking time to process the information as they recorded it.

Manually recording your goals, including your financial goals, can also increase the likelihood of achieving them. When you spend a few minutes each month thinking about and writing down what you want to save, you create an easily accessible record of that specific goal.

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