This system of the budget has come up with Japanese Moto Khani. And the word KAKEBO itself, which consists of three hieroglyphs, denotes the book of home economy. According to this savings system, you need to form small amounts, but regularly. How to do it?
What is needed for budgetYou will need a notebook or a notebook where you will contribute. In a large notebook, you can draw a table in which four categories of expenses will be displayed:
- household expenses (clothing, shoes, food, household chemicals);
- expenses for education and culture (trainings, tickets to the theater, museum);
- Expenses for entertainment (meetings with friends, dinners in a restaurant, movie hiking);
- Other expenses (all that has not entered the previous three categories, but usually it is unforeseen spending, such as repair or treatment).
Before making a plan, it is important to determine how much you are ready to spend on each category. In the first month of budget management, such a system will be experimental. Experienced by you find out if you could not go beyond the budget or you need to expand somewhat. At the end of the month you will analyze your spending and adjust them if necessary.
Budget is based on five criteria.
Order
Everything earned and spent should be decomposed on the shelves, each ruble must be taken into account. Only then the KAKEDO system will start working.
Saving
The working system will allow us to protect your money from rash spending and save up to 30% on the necessary purchases.
Control
You manage money, and not they you. In this deposit of stability!
Discipline
You learn to manage finance, and therefore your life. You organize yourself!
Confidence
Knowing that you have a financial pillow and that the budget works on you as a clock, you are calm for your life, which means you can focus on other things for you.
In addition to the allotted amount in the budget, which goes on savings, the KAKEBO system allows you to smear and further increase savings.
- Delay the debts returned to you in the piggy bank. In fact, it is not savings at all, but those funds you have not learned in one of the past months.
- Every evening the valve from pockets is a trifle and postpone them into the piggy bank. At the end of the month, this little thing will be a weary amount.
- Draw a large bill? Put down from the change in the piggy bank a fixed percentage. For example, one hundred rubles. The greater the nominal bill, the greater the percentage is postponing.
- Penalty yourself for the lack of discipline. For example, I missed a training session on a subscription, which has spent money, put a certain amount in the piggy bank. So you will become more disciplined.