kakebo ведение семейного бюджета

Kakebo is a Japanese method of cost control.

How to optimize expenses and create an optimal family budget planning system? There are several practices, but today we will talk about a Japanese method called kakebo. Let’s talk about the features and advantages of this technique, point out some useful nuances and figure out how to correctly manage an expense item and plan a budget in Japanese.

Kakebo is a nationwide system

The system was developed in the last century. It fits perfectly into the mentality of the Japanese, who love order in everything, and therefore has acquired a truly national scale. Its author is a woman named Matoko Hani. A little later, having clearly proved its effectiveness, the planning technique left the Japanese islands and gradually gained popularity around the world. They started talking about it in business circles, then they began to write in books and use it as an example at various financial seminars and trainings.

The word kakebo is formed by three characters (ka, ke, bo) and literally translates as “the book of household savings.” It looks like a regular spreadsheet with income and expenses.

Just a hundred years ago, Japan was in every sense an underdeveloped state, and now it is considered one of the countries with the most favorable economic climate and a high level of well-being of the population. The reason for such rapid progress lies in the widespread financial literacy of the Japanese. And in many ways, thanks to kakebo.

To effectively control your family budget, you will need:

  • A diary that records income and planned expenses.
  • A notebook where all financial expenses are indicated daily.

How to budget with kakebo

Planning is carried out a month in advance. To do this, tables are compiled where they fit:

  • Planned income;
  • estimated spending;
  • the portion of income that is set aside as savings.
  • Income includes all monthly financial receipts of the family (salary, allowances, social benefits, profits from business or other private activities, passive income, return of previously borrowed funds, etc.).

The expense item indicates all planned costs (payment for housing and communal services and other services, children’s studies, sections and courses, visiting the gym, paying loan obligations – everything that you plan to spend money on next month).

Savings is a certain part of income that is set aside for a rainy day.

The amount remaining after deducting all planned expenses and savings is free money that goes to satisfy needs and purchase everyday necessities.

Directly, the daily expenses themselves should be further divided into four groups:

  1. Essentials (food, clothes and shoes, personal hygiene items, household chemicals, expenses for children, etc.)
  2. Cultural expenses (buying books, going to a museum, paying for self-education, etc.)
  3. Leisure (meeting with friends, visiting cinemas, cafes, sporting events and entertainment venues).
  4. Additional expenses – everything that is not included in the first three groups. For example, unscheduled car repairs or dental visits.

Planning must be carefully thought out so as not to miss anything. Once the categories are listed, try to follow them and not exceed the specified amount. It is quite normal when a number of unaccounted moments will be revealed in the first months, but over time you will learn how to clearly plan your family budget. Thus, at the end of the month it will already be possible to sum up:

  • To what extent the plan for costs and savings has been fulfilled.
  • What was the money spent on, how much did it cost.

This analysis is very important. When real numbers lie before your eyes, you can see how much is spent on entertainment and draw conclusions. For example, to reduce this item of expenditure and increase the funded part.

A number of useful tips

It is not necessary to copy the entire planning system. It is enough to take into service a number of points that will allow you to successfully create savings:

After each major purchase, set aside change to a savings account. For example, they purchased household appliances for $1850. We paid off with a $2000 bill, but set aside $150.

When exchanging a large amount, set aside a small part of it in a piggy bank. They exchanged a thousand for a hundred – a hundred was postponed for a “rainy day”.

Any repayment of a debt is desirable to be completely postponed. A friend borrowed 5 thousand and returned six months later? Set aside the entire amount. You could live without it for 6 months, you will live further.

When you go to the store, make a list to avoid unnecessary expenses.

Any little thing needs to be thrown into the piggy bank. You will be surprised when you open it and count how much you could accumulate with such measures. Some people managed to make a fortune in this way, over time wisely investing their savings in a profitable business.


Think of your own system of penalties and punish yourself for any deviations from the plan. Be clear about the rules that must be observed. Violated – pay. Of course, the money will go into your own pocket, or rather, into a piggy bank. The entire accumulated amount must be invested wisely. For example, if you miss a workout – a fine in the amount of a one-time visit ($200-300) Or, planned, but did not do it – a fine of $100. Spent money on an unnecessary trinket – a fine in the amount of its value. The amount of punishment can be thought out arbitrarily. The system of fines should be based on your wealth. There is no need to punish yourself too severely, so that later you do not have to sit on bread and water until the salary. But with this you will kill two birds with one stone at once: learn to live by the rules and accumulate a certain amount, which over time you can manage wisely.

Thus, we see that kakebo is a very simple but extremely effective planning scheme. The whole of Japan, and with it many people around the world, with its help, accustomed themselves to financial order and cost optimization, thereby increasing their own well-being and creating an impressive savings package. And although the system has already passed a hundred years, it continues to work for the benefit of people.