{"id":5134,"date":"2021-05-14T14:45:20","date_gmt":"2021-05-14T13:45:20","guid":{"rendered":"https:\/\/cowrywise.com\/blog\/?p=5134"},"modified":"2023-01-23T00:30:04","modified_gmt":"2023-01-22T23:30:04","slug":"kakeibo-the-japanese-art-of-mindful-spending","status":"publish","type":"post","link":"https:\/\/cowrywise.com\/blog\/kakeibo-the-japanese-art-of-mindful-spending\/","title":{"rendered":"Kakeibo: The Japanese Art of Mindful Spending"},"content":{"rendered":"\n<p>You\u2019ve probably waited for this day all your life. The day has come. The day you\u2019re being advised to shift your focus from saving to spending. You didn\u2019t see that coming, did you? I know. <\/p>\n\n\n\n<p>100 years ago, back in 1904, Japan\u2019s first female journalist Hani Motoko, designed a method to help busy women take control of their finances and make better financial decisions. <\/p>\n\n\n\n<p>Irrespective of their busy schedules or their inability to hire finance professionals, she believed that women could stay on top of their money game. This belief birthed Kakeibo &#8211; the \u201cmoney journal\u201d.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">What is the Kakeibo?<\/h2>\n\n\n\n<p>Kakeibo (pronounced ka-kay-bo) is a Japanese money concept of journaling for effective budgeting. Simply put, it\u2019s a concept that gets you in a healthy cycle of spending well, saving well, and budgeting well.&nbsp;<\/p>\n\n\n\n<p>I find it interesting because its focus is on spending, and not saving. Don\u2019t get excited yet though. Kakeibo ensures you journal your expenses so you can save more comfortably.&nbsp;<\/p>\n\n\n\n<p>So, Hani Motoko created a whole concept to help you get rid of that tingly burn in your chest when your automated savings gets deducted. Wow. Indeed, not all heroes wear capes. Moving on&#8230;<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">How does the Kakeibo work?<\/h2>\n\n\n\n<p>You\u2019re probably still wondering why I\u2019m making a fuss about it. It seems like the good old spend-save-budget routine we\u2019ve all known and used, right? Well, no. This one is special. It has a reflective piece to it &#8211; one that makes you more conscious of your spending.&nbsp;<\/p>\n\n\n\n<p>It doesn\u2019t condemn you for not saving enough, but makes you see it as a sign that you\u2019re not being realistic with your budgets so you can improve. That\u2019s such a relief, right? I think so too.&nbsp;<\/p>\n\n\n\n<p>For the Kakeibo to be effective, you\u2019d need to honestly answer these four questions:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>What is your monthly income?<\/li>\n\n\n\n<li>How much would you like to save?<\/li>\n\n\n\n<li>How much are you spending?<\/li>\n\n\n\n<li>Can you improve? How?<\/li>\n<\/ul>\n\n\n<div class=\"shortcode-block\">    <div class=\"inhype-postline-block-wrapper\">\n      <div class=\"container\">\n        <div class=\"row\">\n          <div class=\"inhype-postline-block inhype-postline-block-213290 inhype-block clearfix\">\n            <div class=\"owl-carousel\">\n            \n                  <div class=\"inhype-post\">\n                    <div class=\"inhype-postline-block-content\">\n\n                      <div class=\"inhype-postline-details\">\n                        <div class=\"post-categories\"><a href=\"https:\/\/cowrywise.com\/blog\/money-guides-and-tips\/\"><span class=\"cat-dot\" data-style=\"background-color: #000000;\"><\/span><span class=\"cat-title\">Guides<\/span><\/a><a href=\"https:\/\/cowrywise.com\/blog\/cowrywise-updates\/\"><span class=\"cat-dot\" data-style=\"background-color: #000000;\"><\/span><span class=\"cat-title\">Updates<\/span><\/a><\/div>\n                        <h3 class=\"post-title\"><a href=\"https:\/\/cowrywise.com\/blog\/is-cowrywise-legit\/\">Is Cowrywise Legit? - How Safe And Secure is Cowrywise?<\/a><\/h3>\n                                                <div class=\"post-date\"><time class=\"entry-date published updated\" datetime=\"2018-06-14T21:49:05+01:00\">June 14, 2018<\/time><\/div>\n                                              <\/div>\n\n                                            <a href=\"https:\/\/cowrywise.com\/blog\/is-cowrywise-legit\/\" class=\"inhype-post-image-link\">\n                        <div class=\"inhype-post-image\" data-style=\"background-image: url(https:\/\/cowrywise.com\/blog\/wp-content\/uploads\/2019\/06\/1_N0ey3Xux8jFzg83I9HgZNg-555x360.jpeg);\"><\/div>\n                      <\/a>\n                                          <\/div>\n                  <\/div>\n            \n                  <div class=\"inhype-post\">\n                    <div class=\"inhype-postline-block-content\">\n\n                      <div class=\"inhype-postline-details\">\n                        <div class=\"post-categories\"><a href=\"https:\/\/cowrywise.com\/blog\/money-guides-and-tips\/\"><span class=\"cat-dot\" data-style=\"background-color: #000000;\"><\/span><span class=\"cat-title\">Guides<\/span><\/a><a href=\"https:\/\/cowrywise.com\/blog\/investment-tips\/\"><span class=\"cat-dot\" data-style=\"background-color: #000000;\"><\/span><span class=\"cat-title\">Investing<\/span><\/a><a href=\"https:\/\/cowrywise.com\/blog\/saving-tips\/\"><span class=\"cat-dot\" data-style=\"background-color: #000000;\"><\/span><span class=\"cat-title\">Savings<\/span><\/a><\/div>\n                        <h3 class=\"post-title\"><a href=\"https:\/\/cowrywise.com\/blog\/secrets-rules-wealth-creation\/\">3 Rules for Wealth Creation: Secrets To Build Wealth<\/a><\/h3>\n                                                <div class=\"post-date\"><time class=\"entry-date published updated\" datetime=\"2022-05-31T15:00:00+01:00\">May 31, 2022<\/time><\/div>\n                                              <\/div>\n\n                                            <a href=\"https:\/\/cowrywise.com\/blog\/secrets-rules-wealth-creation\/\" class=\"inhype-post-image-link\">\n                        <div class=\"inhype-post-image\" data-style=\"background-image: url(https:\/\/cowrywise.com\/blog\/wp-content\/uploads\/2022\/05\/create-life-goals-cowrywise-2-1140x694-1.jpeg);\"><\/div>\n                      <\/a>\n                                          <\/div>\n                  <\/div>\n                        <\/div>\n          <\/div>\n        <\/div>\n      <\/div>\n    <\/div>\n    <\/div>\n\n\n\n<h2 class=\"wp-block-heading\">How can you use the Kakeibo?<\/h2>\n\n\n\n<p>Keeping a <em>Kakeibo<\/em> (a money journal) is almost like a mindfulness exercise. That\u2019s the beauty of it. It takes you back to pen and paper, as opposed to the fast mindless way technology allows us to spend money. <\/p>\n\n\n\n<p>Consequently, you build a more intimate relationship with your money and understand your money habits even more. So here\u2019s what you need to do to get the most out of Kakeibo:<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">1. A mindset shift<\/h3>\n\n\n\n<p>The most exciting thing about Kakeibo is how it shifts your focus from saving to spending. A lot of time is spent painting the idea of savings as what you <em>can\u2019t<\/em> do or <em>can\u2019t<\/em> have. It becomes such a drag, and nobody likes that. Kakeibo is built on the concept that you need to \u201cspend well\u201d in order to \u201csave well\u201d, and vice versa.&nbsp;<\/p>\n\n\n\n<p>So it helps you become more aware of your expenses, so you can make realistic budgets. This way, saving becomes less of a chore, and more like a <em>\u201cYayy! My automated savings just went through for the month\u201d<\/em> situation. Maybe I\u2019m exaggerating, but you get the point, right? Let\u2019s continue.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">2. Keep a dedicated money journal<\/h3>\n\n\n\n<p>Depending on the length of time you want to try this out for, you\u2019d need to journal all your income and expenses during that period. From your monthly salary, allowance, freelance income, to the 5,000 NGN your rich auntie sent to you for airtime. You\u2019d need to sum it up. <\/p>\n\n\n\n<p>After you\u2019ve done this, set a savings target. Based on how much you earn, how much would you like to save?<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">3. Break down your expenses into categories<\/h3>\n\n\n\n<p>There are four main categories: essential expenses, optional expenses, entertainment and leisure, unforseen events. Log your expenses into these categories, and don\u2019t leave anything out. <\/p>\n\n\n\n<p>Nothing is too insignificant &#8211; not even the butter mint you bought because the vendor didn\u2019t have change. Write it all down.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">4. Analyse and Strategise<\/h3>\n\n\n\n<p>At the end of the period, analyse the categories and see which has the highest impact on your income. <\/p>\n\n\n\n<p>For example: if 50% of your income goes to unforeseen expenses, then you need to build up your <a href=\"https:\/\/youtu.be\/4O7DL75Iwv0\" target=\"_blank\" rel=\"noreferrer noopener\">emergency fund<\/a>. If 70% of your income goes to optional expenses, then you may want to fix some <a href=\"https:\/\/cowrywise.com\/blog\/bad-money-habits\/\" target=\"_blank\" rel=\"noreferrer noopener\">bad money habits<\/a> you might have.&nbsp;<\/p>\n\n\n\n<figure class=\"wp-block-image size-large\"><a href=\"http:\/\/cwry.se\/blog_signup\" target=\"_blank\" rel=\"noopener\"><img loading=\"lazy\" decoding=\"async\" width=\"1024\" height=\"222\" src=\"https:\/\/cowrywise.com\/blog\/wp-content\/uploads\/2021\/02\/Saving-as-a-couple-button-breakers-300ppi2-01-1024x222.png\" alt=\"\" class=\"wp-image-4065\" srcset=\"https:\/\/cowrywise.com\/blog\/wp-content\/uploads\/2021\/02\/Saving-as-a-couple-button-breakers-300ppi2-01-1024x222.png 1024w, https:\/\/cowrywise.com\/blog\/wp-content\/uploads\/2021\/02\/Saving-as-a-couple-button-breakers-300ppi2-01-300x65.png 300w, https:\/\/cowrywise.com\/blog\/wp-content\/uploads\/2021\/02\/Saving-as-a-couple-button-breakers-300ppi2-01-768x167.png 768w, https:\/\/cowrywise.com\/blog\/wp-content\/uploads\/2021\/02\/Saving-as-a-couple-button-breakers-300ppi2-01-1536x333.png 1536w, https:\/\/cowrywise.com\/blog\/wp-content\/uploads\/2021\/02\/Saving-as-a-couple-button-breakers-300ppi2-01-2048x444.png 2048w, https:\/\/cowrywise.com\/blog\/wp-content\/uploads\/2021\/02\/Saving-as-a-couple-button-breakers-300ppi2-01-360x78.png 360w, https:\/\/cowrywise.com\/blog\/wp-content\/uploads\/2021\/02\/Saving-as-a-couple-button-breakers-300ppi2-01-150x33.png 150w\" sizes=\"auto, (max-width: 1024px) 100vw, 1024px\" \/><\/a><\/figure>\n\n\n\n<h3 class=\"wp-block-heading\">5. Reflect<\/h3>\n\n\n\n<p>Were you able to meet your savings target comfortably? Why or why not? How can you improve? Was your spending budget unrealistic? How can you adjust? What can you cut down on? What new habits can you take on? You\u2019d need to be honest about your needs and wants.&nbsp;<\/p>\n\n\n\n<p>With this, you\u2019re more aware of your financial status, and now you can <a href=\"https:\/\/cowrywise.com\/blog\/how-to-create-a-budget\/\" target=\"_blank\" rel=\"noreferrer noopener\">make more realistic budgets<\/a>. It wouldn\u2019t shock you one day when your money gets deducted for that trial version you forgot to cancel. <\/p>\n\n\n\n<p>You\u2019d always be a step ahead. In full control of your finances. Goals!<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">In Conclusion<\/h2>\n\n\n\n<p>Here\u2019s 3 good reasons you should keep a Kakeibo:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Financial Control:<\/strong> It gives you full control over your personal finances. For instance: You may not be in control of what life throws at you, but you\u2019d be a step ahead and have an emergency fund already. You would not be shocked when you one day randomly realize how much you spend on airtime in a month. You\u2019d have already planned. That\u2019s the energy!<\/li>\n<\/ul>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Healthy Savings Culture:<\/strong> If you\u2019re always calling me to break your plan ? this one is for you. Kakeibo would help you become more intentional about your savings, so automated savings would be a joy, as we intended it.&nbsp;<\/li>\n<\/ul>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Self-Awareness and Discipline:<\/strong> It helps you become more aware of your money habits, and identify areas for possible improvement. You also become more disciplined knowing that you\u2019d have to log in your expenses.&nbsp;<\/li>\n<\/ul>\n\n\n<div class=\"shortcode-block\">    <div class=\"inhype-postline-block-wrapper\">\n      <div class=\"container\">\n        <div class=\"row\">\n          <div class=\"inhype-postline-block inhype-postline-block-37119 inhype-block clearfix\">\n            <div class=\"owl-carousel\">\n            \n                  <div class=\"inhype-post\">\n                    <div class=\"inhype-postline-block-content\">\n\n                      <div class=\"inhype-postline-details\">\n                        <div class=\"post-categories\"><a href=\"https:\/\/cowrywise.com\/blog\/money-guides-and-tips\/\"><span class=\"cat-dot\" data-style=\"background-color: #000000;\"><\/span><span class=\"cat-title\">Guides<\/span><\/a><a href=\"https:\/\/cowrywise.com\/blog\/investment-tips\/\"><span class=\"cat-dot\" data-style=\"background-color: #000000;\"><\/span><span class=\"cat-title\">Investing<\/span><\/a><a href=\"https:\/\/cowrywise.com\/blog\/money-tips\/\"><span class=\"cat-dot\" data-style=\"background-color: #000000;\"><\/span><span class=\"cat-title\">Money Tips<\/span><\/a><\/div>\n                        <h3 class=\"post-title\"><a href=\"https:\/\/cowrywise.com\/blog\/mutual-funds-2020\/\">Market Slice: Mutual Funds in 2020<\/a><\/h3>\n                                                <div class=\"post-date\"><time class=\"entry-date published updated\" datetime=\"2021-01-14T12:06:07+01:00\">January 14, 2021<\/time><\/div>\n                                              <\/div>\n\n                                            <a href=\"https:\/\/cowrywise.com\/blog\/mutual-funds-2020\/\" class=\"inhype-post-image-link\">\n                        <div class=\"inhype-post-image\" data-style=\"background-image: url(https:\/\/cowrywise.com\/blog\/wp-content\/uploads\/2021\/01\/top-mutual-funds-2020.png);\"><\/div>\n                      <\/a>\n                                          <\/div>\n                  <\/div>\n            \n                  <div class=\"inhype-post\">\n                    <div class=\"inhype-postline-block-content\">\n\n                      <div class=\"inhype-postline-details\">\n                        <div class=\"post-categories\"><a href=\"https:\/\/cowrywise.com\/blog\/money-guides-and-tips\/\"><span class=\"cat-dot\" data-style=\"background-color: #000000;\"><\/span><span class=\"cat-title\">Guides<\/span><\/a><a href=\"https:\/\/cowrywise.com\/blog\/money-tips\/\"><span class=\"cat-dot\" data-style=\"background-color: #000000;\"><\/span><span class=\"cat-title\">Money Tips<\/span><\/a><a href=\"https:\/\/cowrywise.com\/blog\/saving-tips\/\"><span class=\"cat-dot\" data-style=\"background-color: #000000;\"><\/span><span class=\"cat-title\">Savings<\/span><\/a><\/div>\n                        <h3 class=\"post-title\"><a href=\"https:\/\/cowrywise.com\/blog\/plan-for-wedding\/\">How to Financially Plan for a Wedding without Incurring Debt<\/a><\/h3>\n                                                <div class=\"post-date\"><time class=\"entry-date published updated\" datetime=\"2021-08-19T10:11:55+01:00\">August 19, 2021<\/time><\/div>\n                                              <\/div>\n\n                                            <a href=\"https:\/\/cowrywise.com\/blog\/plan-for-wedding\/\" class=\"inhype-post-image-link\">\n                        <div class=\"inhype-post-image\" data-style=\"background-image: url(https:\/\/cowrywise.com\/blog\/wp-content\/uploads\/2021\/08\/Couples-go-broke-wedding-ring-03.jpg);\"><\/div>\n                      <\/a>\n                                          <\/div>\n                  <\/div>\n                        <\/div>\n          <\/div>\n        <\/div>\n      <\/div>\n    <\/div>\n    <\/div>\n\n\n\n<h2 class=\"wp-block-heading\">I\u2019m sold! Are you?<\/h2>\n\n\n\n<p>Would you be trying the Kakeibo? Let me know in the comments.&nbsp;<\/p>\n\n\n\n<p>If you would, get to it, but remember to cut yourself some slack. Financial stability doesn\u2019t come only from depriving yourself of certain things or only by changing your lifestyle choices. Wealth-building takes time. It\u2019s a sum of little efforts and small habits combined. But one thing is for sure, you\u2019d be smiling in the end.<\/p>\n\n\n\n<hr class=\"wp-block-separator has-css-opacity\"\/>\n\n\n\n<p><em>I started a series where I\u2019d be exploring money through the lens of different cultures around the world, drawing lessons, and making connections to our own context. Catch up on the last one from Germany <a href=\"https:\/\/cowrywise.com\/blog\/geld-stinkt-nicht\/\" target=\"_blank\" rel=\"noreferrer noopener\">here<\/a>, and stay tuned for the next one.&nbsp;<\/em><\/p>\n\n\n\n<p><em>In the meantime, guess what country is next?&nbsp;<\/em>?<em><br>Hint: The money concept is about Christmas.<\/em><\/p>\n","protected":false},"excerpt":{"rendered":"<p>You\u2019ve probably waited for this day all your life. The day has come. The day you\u2019re being advised to shift your focus&#8230;<\/p>\n","protected":false},"author":1,"featured_media":5136,"comment_status":"open","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"inline_featured_image":false,"footnotes":""},"categories":[134,394],"tags":[393],"coauthors":[463],"class_list":{"0":"post-5134","1":"post","2":"type-post","3":"status-publish","4":"format-standard","5":"has-post-thumbnail","7":"category-money-guides-and-tips","8":"category-money-map","9":"tag-money-map"},"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v24.2 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Kakeibo: The Japanese Art of Mindful Spending - How Does it Work?<\/title>\n<meta name=\"description\" content=\"Finally! A concept that shifts your focus from saving to spending. 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