Kakebo: The Japanese Art of Saving money 9785040984213

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UDC 336 BBK 65.261

K17

ORIGINAL NAME KAKEBO L'AGENDA dei CONTI di CASA per RISPARMIARE e GESTIRE le tue SPESE senza STRESS © 2016 Giunti Editore SpA Firenze - Milano www.giunti.it Graphic designer: Cinzia Chiari

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Kakebo. The Japanese art of saving money according to the Motoko Hani system / [trans. with it. OV Grigorieva]. —Moscow: Eksmo, 2019. —192 p. - (Himself a millionaire). ISBN 978-5-04-098421-3 Where does the money go? Find out with kakebo. Curb the chaos in personal finance: control spending, save money, and achieve your financial goals. Kakebo is a reliable, time-tested Japanese budget planning system. Even children in the Land of the Rising Sun use it - it is so simple! Determine the amount saved at the beginning of each month, and summarize at the end. Put the accumulated money in a piggy bank or bank account. Or direct them to buy goods and services that you have long dreamed of. UDC 336 BBK 65.261

© O. Grigorieva, translation into Russian, 2019 ISBN 978-5-04-098421-3 © Design. LLC "Publishing house" Eksmo ", 2019

The fool is wasting. Smart saves. And only for real a wise man lives in harmony with money.

what is kak

keeb bo

DISCOVER FOR YOURSELF

kakebo

In Japanese kakebo (it is more correct to pronounce kakeibo) literally means "home ledger". In Japan, everyone uses them, even children. For them, there are specially adapted versions, because in the family and at school from an early age they are taught to keep records of cash receipts and expenses. However, our grandmothers also wrote down income and expenses in a notebook to keep house bookkeeping. In the era of credit cards, cell phone payments and one-click shopping, many people have lost touch with the reality of cash flow. That's why kakebo is a necessary and effective tool in order to control spending and start saving.

6 reasons to use kakebo 1. Order. A simple and practical way to reorganize and organize your spending. 2. Control. It will help you control your expenses and gain financial stability. 3. Savings. You can save 20-30% of your monthly expenses. 4. Self-discipline. By fixing spending, you will create a new daily ritual. 5. Calmness. You will feel more confident and financially Zen. 6. Mindfulness. You will see what you are spending your money on, and this will help you to avoid unnecessary purchases.

6

kabuttoto use it to

Categorize your expenses Kakebo allows you to keep track of your home bookkeeping day after day by dividing your spending into 4 main categories. expenses for essential goods and services: • supermarket: groceries, cleaning products, household goods, body care products, etc.

• children: baby food, diapers, school books and office supplies, clothes, etc.

• transport: travel in public transport, • other food road goods: shopping at local tax, gasoline, etc. market, bakery, fish • pay for a mobile phone store, fruit seller, etc. • pharmacy: medicines, food additives, specific products, etc.

optional spending: • shopping (adults): clothes, shoes, accessories, sportswear, etc.

• cosmetics: makeup products, creams, nail polish, eau de toilette, etc.

• gifts: anniversaries, holidays, birthdays

• taxi

culture and leisure: • books and newspapers

• music • Movies: cinemas, watching movies on the Internet, etc. • performances: concerts, theater, festivals, etc.

• restaurants and takeaway food: lunch at work, going out to a restaurant with family or friends, pizza, sushi, etc. • bars: coffee, cocktails, aperitifs • pastry shops and bakeries

• discos and entertainment events

additional and unforeseen expenses: • medical expenses • travels

• furnishings and household items, furniture

• repair • electronics: computer, cell phone, TV, • nanny camera, stereo system

7

how to use it

Determine your monthly budget At the beginning of the month, write down all fixed income and expenses. The difference between these two amounts is the budget that you can count on during the month. These columns record the date, item and amount of income (salary, passive sources of income, etc.) related to the current month. At the end, the total amount is calculated (see Tips)

MONTH

April record income and expenses during the month

All your fixed expenses are entered here, i.e. expected, those that have to pay regularly: renting an apartment or mortgage payments, paying for helpers household (cleaning, nanny, etc.), gym membership, magazines, theater, cell phone, educational courses, school expenses, circles and sections for children (sports, music ny), parking, permanent cash contributions and subscription fees, insurance, contributions to the pension fund, etc. Unfilled columns can be used for other possible fixed costs, even if they do not relate to monthly (carried out

income

date

05

twenty

thirty

income item the salary a gift for the day

birth rental

sum RUB 65,000 7,000 rubles

RUB 6,000

garage

total income: RUB 78,000

permanent costs

date

01

expense item rent an apartment

fifteen

transport school / food insurance

thirty

cellular telephone concierge

01

parking lot

10

obligatory deductions

gym

total fixed costs:

once a year or once three months), namely: transport tax, home maintenance costs, property taxes

etc.

TIP: Expenses that are not included to monthly, it is convenient to record in the month when you need to pay them. If the amount is significant, it is best to break it up and save each month, so you will feel calmer when it comes time to pay.

sum RUB 25,000 2,000 rubles 2 500 rubles 1,000 rubles

650 rbl RUB 500 1,500 rubles 1,000 rubles 1,500 rubles

35 650 rub

Despite the fact that the cost of paying utility bills services are considered at the end of the month, during the period when

dyat bills, start prepare mentally to restrictions budget.

eight

how to use it

Set goals for yourself At the beginning of the month, set goals, both short and long term, and make a list of good solutions that will help you achieve them (for example, limiting taxi rides, reducing the amount of coffee you drink in cafes, less frequent evening outings, etc.) etc.).

Determine in advance the amount you want to save thanks to new useful habits.

GOALS AND INTENTIONS

cam. Save this money in a piggy bank or in a savings account with a bank. The main thing is that you forget about their existence and do not use up this month.

• on what items of expenditure are you are you planning to save?

• how can you achieve set goals?

how old are you would you like to save money?

RUB 3,000

how much can you expect until the end of me syats but?

RUB 78,000 income

-

35 650 rub permanent costs

-

RUB 3,000 the planned saved sum

= money at your disposal

39 350 rbl

Add up the constants expenses and the amount of money you plan to save, then subtract that amount from income. The difference represents the money at your disposal until the end months.

nine

TIPS FOR SPECIAL OCCASION: If you have your own business. There are two ways to keep track of all the invoices that you issue for payment: you can record the invoices that were paid to you last month, or those that expire this month. It doesn't matter which method you choose, the main thing is to stick to it all year long.

You get paid in the first days of the next month. In this case, write down the approximate amount of the first number, corresponding to the last salary (or allowance) received. You have received unexpected income. You can postpone this money and record the arrival at the beginning of the next month, without entering the current income into the items. Or, if you don’t need that money to make it through the end of the month, put it in a savings account or piggy bank.

how to use it

Keep track of expenses by week Every night before going to bed, you need to methodically record all the amounts spent in kakebo. Our tip: keep invoices and receipts from your purchases and enter the details into the glider. If you are unable to do this on a daily basis, remember that it is very important to complete kakebo at least twice a week, but at least once. Each column refers to one day.

April

MONTH

The scheme assumes 4 categories of main expenses:

Mon

10

tue

eleven

products supermarket

Wed electric train

the first necessary 1 200 rub

60 rbl

th

petrol 250 rbl

bridges

Expenses for essential goods and services: this category includes the inevitable articles of moves required for life and for the most part familiar.

optional bodily

pomYes

Optional spending: This category includes purchases you can do without.

a gift to Katya RUB 3,000

RUB 500

spending

culture

pizza

and leisure

RUB 500

dinner

250 rbl

Culture and leisure: this includes expenses, related to cultural events, leisure and entertainment.

complementary pillow

bodily 1,000 rubles costs

Additional and unforeseen expenses: these are expenses that do not fit a specific category and include expenses related to unforeseen circumstances or rather rare purchases, for example, repairs,

total:

2 200 rubles

RUB 500

560 rbl

3,500 rubles

purchase of furniture, computers, etc. On the last line, write the total of the day's expenses.

100 one

how to use it

This figure will allow you to visualize how much money you have at your disposal over several weeks. The wallet of week # 1 is equal to the wallet at the beginning of the month, week # 2 is the difference between the first wallet and all expenses of the first week, and so on.

Indicate week number

A WEEK

Fri

39 350 rbl

one Sat

bread

and buns 150 rbl

sun

ibuprofen 150 rbl

COSTS PER WEEK

goods first necessity supermarket 1 350 rubles pharmacy 150 rubles

transport 310 rubles

total: 1

shoes 5000 rub

optional

ink

spending

shopping 8 000 rubles

650 rbl

cosmetics 1 150 rubles total: 9

breakfast

810 rub

atzhin 450 rub

in the cafe

350 rbl

movie

350 rbl

150 rub

culture and leisure

Books and magazines

400 rbl films and performances

350 rbl

textbook

german 400 rbl

bars and takeaway 1 550 rub total: 2

300 rub

additional costs house expenses 1,000 rubles

total: 1,000

5 900 rub

1 250 rbl

350 rbl

TOTAL DURING THE WEEK:

rubles

14260 RUB

Add up the totals for each day in all categories to get the total of the week.

one one eleven

Empty columns in the table can be used to record unaccounted items of expenditure, depending on your needs. For example, if you need a car or a phone to work, you can add spending on gasoline or cellular communications to the category “expenses for essential goods and services”. In the column “culture and leisure”, you can mark purchases related to hobbies (photography, bicycles, etc.).

Sum up your expenses at the end of the week.

In this table, you can count expenses per week, depending on their category. Breaking down spending by spending line is very useful because it allows you to understand what your consumption habits are and assess their impact on your weekly and monthly budgets. Record the sum of all purchases made during the day in the appropriate columns, and then calculate how much you spend per week in each category.

how to use it

Summarize at the end of the month The end of the month is the time to summarize. Thus, you can track your consumption habits and realize where money is wasted, where budget cuts are needed, and where investments are possible.

Fill in the table with weekly totals and monthly totals for each category (spending on essential goods and services, optional spending, culture and leisure, additional and unexpected expenses) ...

April

MONTH

goods first necessity

culture

week 1 1 810 rub week 2 RUB 3,000 2 300 rub week 3 week 4 1 150 rub week 5

week 1 2 300 rub week 2 350 rbl 700 rbl week 3 week 4 110 rbl week 5

total:

and leisure

8 260 rbl

total:

optional

Enter expenses here for utility bills (electricity, gas, internet / telephone).

spending

additional costs

week 1 9 150 rub week 2 RUB 500 week 3 2 200 rubles week 4 700 rbl week 5

week 1 1,000 rubles week 2 2,000 rubles week 3 week 4 1 050 rub week 5

total:

12 550 rbl

total:

3 105 rbl

communal payments electricity 350 rbl telephone

and internet

Fill in the blanks the total amounts of purchases that were found to be sensitive to your budget (eg cigarettes, fuel, transport, travel, etc.), separating them from 4 main categories.

3 460 rbl

1 050 rub

significant expenses expenses for 8,000 rubles week 1 week 2 week 3 week 4 week 5 total:

8,000 rubles

gas

4 900 rbl

water 3,500 rubles

total:

expenses for week 1 week 2 week 3 week 4 week 5 total:

TIP: If a new month starts in the middle of a week, then such a week refers entirely to the previous month or completely to the next (for example, if the last day of February is Tuesday, then this week is considered the first week of March). This will allow you to summarize the accounting balance of a full week, thus facilitating the calculation and analysis of expenses for the month and for the year.

122 one

how to use it

Compare totals across all tables and draw conclusions. For example, you may find yourself spending a lot on public transport and it might be wise to buy a pass. Or it will become obvious to you that you can shorten some of the optional expenses, etc. Write down the final UNDERININE EDDEEHHAND ANDE E AND ANDT TABOUT ABOUTD DABOUT ABOUTIN IN

Z BUT BUTME M ESYATS

• Compare the totals across all tables. What items of expenditure are highlighted this month? Did you expect this? • Are there costs that can be reduced?

costs week 1

during the week week 2

the amount of expenses for each week of the month.

Write down the total amount of utility bills zhey.

14 260 rbl 5 850 rub

5 200 rubles week 3 RUB 3,010 week 4 week 5 communal 4 900 rbl payments total costs 33 220 rbl per month:

Add up the amounts of moves for all weeks to get the total expenses for the month.

How much money was at your disposal?

39 350 rbl

How much did you spend?

33 220 rbl

Go back to the beginning of the month to check the budget you might have calculated and write it down here.

How much have you saved? 6 130 rbl • Have you achieved your goal?

Yes

Not

Nearly

• If so, congratulations! You deserve a small prize. Just be careful not to waste your efforts. Choose something that can bring you real pleasure, at a low cost (see Tips).

• If not, what went wrong? What can be done in order to achieve the best result next month?

Reread the goals you set at the beginning of the month and reflect on the results. Don't be discouraged if they don't live up to your expectations. It is important to analyze spending to find the strengths of your budget and to take into account the mistakes you have made so you can better cope with the next month.

Here, note the sum of all expenses for the month. Difference between budget the beginning of the month and the total expenses for the month is the amount that you have been able to save.

Try save

saved for a month money. It will be very nice see how much you can accumulate per year.

133 one

useful ideas

PRACTICAL ADVICE

Before you start using kakebo, let me give you some helpful tips. These are simple rules of self-organization to achieve the set goals. Tips for saving money, keeping motivation high, and rewarding yourself from time to time for success.

SYMBOLS: self-organization

saving

motivation

BYOS P STTA ABBbBtTHOSE E CCEELLEE AND To start saving, you need to set a clear, clearly formulated and achievable goal and determine a specific time interval for which you plan to implement your plan. Do you want examples of such goals? Save 5% of each salary in a savings account; save 10,000 rubles a month to the contingency fund; close the debt accumulated on the credit card over the past 12 months; save 50,000 a year on a vacation or a big gift. DO NOT COUNT FOR GIFTS OF FATE Do not take into account potential (in the slightest doubt about obtaining) sources of income, such as thirteenth salary, inheritance or tax refunds. The budget should include only the money that you are likely to earn.

GOOD OLD PIG PIG Put your change in a jar or piggy bank and only open it when it's full. The amount that you will be able to accumulate in this way will surprise you: a penny saves the ruble.

IN CEEG DG Sun YES A CCO OSTTA AB LAYAY YTTHOSE E C PIIPCO OK PBYOK KUUP BYOK TO PEEPPEUnits D PBYOH XO OD BEFORE OM M BINMA MAG GA AZZIINH Overhead lines

Joint venture

The basis for saving is primarily planning: you should not go shopping without knowing what exactly you need to buy. This is especially true for groceries: check what is missing at home, and strictly adhere to the list, not giving in to the temptation to buy too much.

fourteen

useful ideas TR Ryu UKK CC 1100 CCEECKUUN ND YES AM MIAND Every time you go to the store, when you have the urge to put a product in the cart that is not on the list, stop and ask yourself: "Why am I buying this?" If you cannot convincingly answer this question, it is better to return the goods to the shelf. This technique helps you avoid impulse purchases.

P RA ABIN AND ILLOAboutthirty 30 D ETC DN NOT TO Th HER Every time you want to make a purchase, the expediency of which you are not sure, write it down and postpone the decision for 30 days. After this period, ask yourself: "Do I still need this?" In most cases, you will make sure that the wish has passed and you will surely save something.

P BY

TBUT BUTR RBUT BUTTh ThT TEEFROMB ABOUTDR RBUT BUTH HAND ANDH HAND ANDT TB BH HEEH HHave HaveF FHHSSEE RRBUT FROMX OD DSS

ABOUTFROM FROMT

FROMB

ABOUTD

BUTFROM XABOUT

Cutting down on your nonessential expenses is always frustrating, but it's the most effective way to stay on budget. If you tend to stay in hotels during your vacation, try alternatives this year. For example, rent an apartment or, perhaps, go somewhere closer than usual. If you enjoy pampering yourself with a massage or styling once a week, try to limit the pleasure to once a month. If you are used to going out to restaurants, try to do it less often.

PABOUT P ABOUTP PR BHave HaveTh ThT TEE FROM FROMH HAND ANDZ ZAND ANDT TB BH HEETO P ABOUTI IHHH HSSEE RRBUT FROMX OD BY DSS RABOUT ABOUTB

ABOUTFROM FROMT TABOUT

RSSEE

TOABOUT ABOUTT TABOUT ABOUTR

BUTFROM XABOUT

Find out if there is an opportunity (and if it is right for you), for example, to reduce costs by switching to a cheaper tariff from your mobile operator or by opting for a cheaper subscription to TV channels. It might make sense to improve energy efficiency in your home. WEIGHT UP WHETHER IT IS PROFITABLE TO KEEP MONEY IN A BANK ACCOUNT Do not neglect this point and spend the earned money on bank commissions and service fees. In addition, if the interest on your account is close to zero, it may be a good idea to transfer money to a savings account or deposit and thus win some interest without risking your savings.

fifteen

useful ideas CARPOOLING Do you have acquaintances who commute to work on the same route every day as you do? Why not take turns driving the same car? You can cut your gasoline and maintenance costs in half, and the savings can be seen immediately. At the end of the month it will already become clear how much you can save. BALANCE YOUR CREDIT CARD EVERY MONTH If you use credit cards, try not to run out of money to avoid overspending. If you fail to pay the current debt, make it your priority and pay off the debt within a reasonable time. PAY CASH AND SAVE ALL CHECKS It is better to pay for most of your daily purchases in cash, especially for additional expenses like bars, restaurants or buying small items (cigarettes, chewing gum). Thus, spending will become more visible. Keep all receipts and pay expenses every night.kakebo.

ECONOMY ON ENERGY To spend less on energy, try the following: Fully load the washing machine and dishwasher, setting the temperature to 40 ° C; change filters and clean tanks in time; completely turn off the TV and other electrical appliances; watch TV in dim, diffused light; turn off the light when you no longer need it. To save gas, it is necessary to carry out an annual audit of the heating gas boiler; set the temperature to 20 ° C; disconnect unnecessary batteries. It is better to take a shower, not a bath, and turn off the water when you soap.

DON'T NEED TO SPEND MONEY TO REDUCE STRESS It often happens that money is spent only to relax after a hard day at work. Compulsive shopping, slot machines, fast food, lottery tickets, etc. In fact, you can relax just by taking a few quiet minutes for yourself. A simple walk, some music, or a short rest on the couch will help restore the balance you need.

sixteen

useful ideas TALK WITH YOUR LOVE ABOUT CONSIDERED PROJECTS Maybe this method of saving money seems strange, but in reality it is not at all so. Spend time with the people you love the most, get moral support from them regarding your goals, and it will be much easier for you to plan, stage by stage, future accomplishments and carry out your plans.

TIME AGAINST TIME LET YOURSELF CAPRICES IN REASONABLE LIMITS It is you who use money, not money uses you. You don't need to feel like a slave to the budget and money in general, so it is important to give yourself a little pleasure sometimes. You should not waste your savings on expensive products or services, but you can afford small compensation like a cake, a new T-shirt or a toy for your child.

FEEL FREE TO SAY NO If your friends are asking you to go somewhere, and you don't want to spend money, do not be afraid to refuse. On the contrary, try inviting them to visit: this way you will not only save money, but also get the opportunity to cook dinner and show concern for the people you are good to. In return, you will receive gratitude and pleasant company. DON'T GET SPIRIT IF YOU MAKE A MISTAKE Even if you've made ten good decisions before, it's easy to get upset over one wrong one. When you make a mistake (bad investment, unnecessary purchase), it is important to make a treasure out of it: if you understand why this happened, it will be easier not to repeat it in the future.

ALWAYS LOOK FORWARD The choices you make today will not change the past, but will undoubtedly affect the future. There is always something to strive for, it is enough to want! NEVER GIVE UP If you feel like you're drowning in spending, talk to loved ones, see a financial advisor or a consumer association. Remember that there are so many people who are fighting the same battle as you.

17

MONTH

record income and expenses during the month income

date

income item

sum

income item

sum

total income:

permanent costs

date

total fixed costs:

eighteen

GOALS AND INTENTIONS

• on what items of expenses are you planning to save? • how can you achieve your goals?

how old are you

would you like to save money?

how much can you expect by the end of the month?

income

permanent costs

= money at your disposal

nineteen

the planned saved

sum

MONTH

Mon

tue

Wed

th

products

the first necessary

bridges

optional bodily spending

culture and leisure

complementary

bodily costs

total:

twenty

A WEEK

Fri

Sat

sun

COSTS PER WEEK

goods first necessity

total:

optional spending

total:

culture and leisure

total:

additional costs

total:

TOTAL

DURING THE WEEK:

21

MONTH

Mon

tue

Wed

th

products

the first necessary

bridges

optional bodily spending

culture and leisure

complementary

bodily costs

total:

22

A WEEK

Fri

Sat

sun

COSTS PER WEEK

goods first necessity

total:

optional spending

total:

culture and leisure

total:

additional costs

total:

TOTAL

DURING THE WEEK:

23

MONTH

Mon

tue

Wed

th

products

the first necessary

bridges

optional bodily spending

culture and leisure

complementary

bodily costs

total:

24

A WEEK

Fri

Sat

sun

COSTS PER WEEK

goods first necessity

total:

optional spending

total:

culture and leisure

total:

additional costs

total:

TOTAL

DURING THE WEEK:

25

MONTH

Mon

tue

Wed

th

products

the first necessary

bridges

optional bodily spending

culture and leisure

complementary

bodily costs

total:

26

A WEEK

Fri

Sat

sun

COSTS PER WEEK

goods first necessity

total:

optional spending

total:

culture and leisure

total:

additional costs

total:

TOTAL

DURING THE WEEK:

27

MONTH

Mon

tue

Wed

th

products

the first necessary

bridges

optional bodily spending

culture and leisure

complementary

bodily costs

total:

28

A WEEK

Fri

Sat

sun

COSTS PER WEEK

goods first necessity

total:

optional spending

total:

culture and leisure

total:

additional costs

total:

TOTAL

DURING THE WEEK:

29

MONTH

goods first necessity

culture

week 1

week 1

week 2

week 2

week 3

week 3

week 4

week 4

week 5

week 5

total:

total:

optional spending

additional costs

week 1

week 1

week 2

week 2

week 3

week 3

week 4

week 4

week 5

week 5

total:

total:

and leisure

communal payments electricity

gas

telephone

and internet

total:

water

significant expenses expenses for

expenses for

week 1

week 1

week 2

week 2

week 3

week 3

week 4

week 4

week 5

week 5

total:

total:

thirty

POD BEEDDEEHHAND ANDE E AND ANDT

IN ZBUT ZBUTME M ESYATS

TABOUT ABOUTD DABOUT ABOUTIN

• Compare the totals across all tables. What items of expenditure are highlighted this month? Did you expect this?

• Are there costs that can be reduced?

costs week 1 during the week week 2 week 3 week 4 week 5 communal payments total costs

per month:

How much money was at your disposal? How much did you spend? How much have you saved? • Have you achieved your goal?

Yes

Not

Nearly

• If so, congratulations! You deserve a small prize. Just be careful

not to waste your efforts. Choose something that can bring you real pleasure, at a low cost (see Tips).

• If not, what went wrong? What can be done in order to achieve the best result next month?

31

MONTH

record income and expenses during the month income

date

income item

sum

income item

sum

total income:

permanent costs

date

total fixed costs:

32

GOALS AND INTENTIONS

• on what items of expenses are you planning to save? • how can you achieve your goals?

how old are you

would you like to save money?

how much can you expect by the end of the month?

income

permanent costs

= money at your disposal

33

the planned saved

sum

MONTH

Mon

tue

Wed

th

products

the first necessary

bridges

optional bodily spending

culture and leisure

complementary

bodily costs

total:

34

A WEEK

Fri

Sat

sun

COSTS PER WEEK

goods first necessity

total:

optional spending

total:

culture and leisure

total:

additional costs

total:

TOTAL

DURING THE WEEK:

35

MONTH

Mon

tue

Wed

th

products

the first necessary

bridges

optional bodily spending

culture and leisure

complementary

bodily costs

total:

36

A WEEK

Fri

Sat

sun

COSTS PER WEEK

goods first necessity

total:

optional spending

total:

culture and leisure

total:

additional costs

total:

TOTAL

DURING THE WEEK:

37

MONTH

Mon

tue

Wed

th

products

the first necessary

bridges

optional bodily spending

culture and leisure

complementary

bodily costs

total:

38

A WEEK

Fri

Sat

sun

COSTS PER WEEK

goods first necessity

total:

optional spending

total:

culture and leisure

total:

additional costs

total:

TOTAL

DURING THE WEEK:

39

MONTH

Mon

tue

Wed

th

products

the first necessary

bridges

optional bodily spending

culture and leisure

complementary

bodily costs

total:

40

A WEEK

Fri

Sat

sun

COSTS PER WEEK

goods first necessity

total:

optional spending

total:

culture and leisure

total:

additional costs

total:

TOTAL

DURING THE WEEK:

41

MONTH

Mon

tue

Wed

th

products

the first necessary

bridges

optional bodily spending

culture and leisure

complementary

bodily costs

total:

42

A WEEK

Fri

Sat

sun

COSTS PER WEEK

goods first necessity

total:

optional spending

total:

culture and leisure

total:

additional costs

total:

TOTAL

DURING THE WEEK:

43

MONTH

goods first necessity

culture

week 1

week 1

week 2

week 2

week 3

week 3

week 4

week 4

week 5

week 5

total:

total:

optional spending

additional costs

week 1

week 1

week 2

week 2

week 3

week 3

week 4

week 4

week 5

week 5

total:

total:

and leisure

communal payments electricity

gas

telephone

and internet

total:

water

significant expenses expenses for

expenses for

week 1

week 1

week 2

week 2

week 3

week 3

week 4

week 4

week 5

week 5

total:

total:

44

POD BEEDDEEHHAND ANDE E AND ANDT

IN ZBUT ZBUTME M ESYATS

TABOUT ABOUTD DABOUT ABOUTIN

• Compare the totals across all tables. What items of expenditure are highlighted this month? Did you expect this?

• Are there costs that can be reduced?

costs week 1 during the week week 2 week 3 week 4 week 5 communal payments total costs

per month:

How much money was at your disposal? How much did you spend? How much have you saved? • Have you achieved your goal?

Yes

Not

Nearly

• If so, congratulations! You deserve a small prize. Just be careful

not to waste your efforts. Choose something that can bring you real pleasure, at a low cost (see Tips).

• If not, what went wrong? What can be done in order to achieve the best result next month?

45

MONTH

record income and expenses during the month income

date

income item

sum

income item

sum

total income:

permanent costs

date

total fixed costs:

46

GOALS AND INTENTIONS

• on what items of expenses are you planning to save? • how can you achieve your goals?

how old are you

would you like to save money?

how much can you expect by the end of the month?

income

permanent costs

= money at your disposal

47

the planned saved

sum

MONTH

Mon

tue

Wed

th

products

the first necessary

bridges

optional bodily spending

culture and leisure

complementary

bodily costs

total:

48

A WEEK

Fri

Sat

sun

COSTS PER WEEK

goods first necessity

total:

optional spending

total:

culture and leisure

total:

additional costs

total:

TOTAL

DURING THE WEEK:

49

MONTH

Mon

tue

Wed

th

products

the first necessary

bridges

optional bodily spending

culture and leisure

complementary

bodily costs

total:

fifty

A WEEK

Fri

Sat

sun

COSTS PER WEEK

goods first necessity

total:

optional spending

total:

culture and leisure

total:

additional costs

total:

TOTAL

DURING THE WEEK:

51

MONTH

Mon

tue

Wed

th

products

the first necessary

bridges

optional bodily spending

culture and leisure

complementary

bodily costs

total:

52

A WEEK

Fri

Sat

sun

COSTS PER WEEK

goods first necessity

total:

optional spending

total:

culture and leisure

total:

additional costs

total:

TOTAL

DURING THE WEEK:

53

MONTH

Mon

tue

Wed

th

products

the first necessary

bridges

optional bodily spending

culture and leisure

complementary

bodily costs

total:

54

A WEEK

Fri

Sat

sun

COSTS PER WEEK

goods first necessity

total:

optional spending

total:

culture and leisure

total:

additional costs

total:

TOTAL

DURING THE WEEK:

55

MONTH

Mon

tue

Wed

th

products

the first necessary

bridges

optional bodily spending

culture and leisure

complementary

bodily costs

total:

56

A WEEK

Fri

Sat

sun

COSTS PER WEEK

goods first necessity

total:

optional spending

total:

culture and leisure

total:

additional costs

total:

TOTAL

DURING THE WEEK:

57

MONTH

goods first necessity

culture

week 1

week 1

week 2

week 2

week 3

week 3

week 4

week 4

week 5

week 5

total:

total:

optional spending

additional costs

week 1

week 1

week 2

week 2

week 3

week 3

week 4

week 4

week 5

week 5

total:

total:

and leisure

communal payments electricity

gas

telephone

and internet

total:

water

significant expenses expenses for

expenses for

week 1

week 1

week 2

week 2

week 3

week 3

week 4

week 4

week 5

week 5

total:

total:

58

POD BEEDDEEHHAND ANDE E AND ANDT

IN ZBUT ZBUTME M ESYATS

TABOUT ABOUTD DABOUT ABOUTIN

• Compare the totals across all tables. What items of expenditure are highlighted this month? Did you expect this?

• Are there costs that can be reduced?

costs week 1 during the week week 2 week 3 week 4 week 5 communal payments total costs

per month:

How much money was at your disposal? How much did you spend? How much have you saved? • Have you achieved your goal?

Yes

Not

Nearly

• If so, congratulations! You deserve a small prize. Just be careful

not to waste your efforts. Choose something that can bring you real pleasure, at a low cost (see Tips).

• If not, what went wrong? What can be done in order to achieve the best result next month?

59

MONTH

record income and expenses during the month income

date

income item

sum

income item

sum

total income:

permanent costs

date

total fixed costs:

60

GOALS AND INTENTIONS

• on what items of expenses are you planning to save? • how can you achieve your goals?

how old are you

would you like to save money?

how much can you expect by the end of the month?

income

permanent costs

= money at your disposal

61

the planned saved

sum

MONTH

Mon

tue

Wed

th

products

the first necessary

bridges

optional bodily spending

culture and leisure

complementary

bodily costs

total:

62

A WEEK

Fri

Sat

sun

COSTS PER WEEK

goods first necessity

total:

optional spending

total:

culture and leisure

total:

additional costs

total:

TOTAL

DURING THE WEEK:

63

MONTH

Mon

tue

Wed

th

products

the first necessary

bridges

optional bodily spending

culture and leisure

complementary

bodily costs

total:

64

A WEEK

Fri

Sat

sun

COSTS PER WEEK

goods first necessity

total:

optional spending

total:

culture and leisure

total:

additional costs

total:

TOTAL

DURING THE WEEK:

65

MONTH

Mon

tue

Wed

th

products

the first necessary

bridges

optional bodily spending

culture and leisure

complementary

bodily costs

total:

66

A WEEK

Fri

Sat

sun

COSTS PER WEEK

goods first necessity

total:

optional spending

total:

culture and leisure

total:

additional costs

total:

TOTAL

DURING THE WEEK:

67

MONTH

Mon

tue

Wed

th

products

the first necessary

bridges

optional bodily spending

culture and leisure

complementary

bodily costs

total:

68

A WEEK

Fri

Sat

sun

COSTS PER WEEK

goods first necessity

total:

optional spending

total:

culture and leisure

total:

additional costs

total:

TOTAL

DURING THE WEEK:

69

MONTH

Mon

tue

Wed

th

products

the first necessary

bridges

optional bodily spending

culture and leisure

complementary

bodily costs

total:

70

A WEEK

Fri

Sat

sun

COSTS PER WEEK

goods first necessity

total:

optional spending

total:

culture and leisure

total:

additional costs

total:

TOTAL

DURING THE WEEK:

71

MONTH

goods first necessity

culture

week 1

week 1

week 2

week 2

week 3

week 3

week 4

week 4

week 5

week 5

total:

total:

optional spending

additional costs

week 1

week 1

week 2

week 2

week 3

week 3

week 4

week 4

week 5

week 5

total:

total:

and leisure

communal payments electricity

gas

telephone

and internet

total:

water

significant expenses expenses for

expenses for

week 1

week 1

week 2

week 2

week 3

week 3

week 4

week 4

week 5

week 5

total:

total:

72

POD BEEDDEEHHAND ANDE E AND ANDT

IN ZBUT ZBUTME M ESYATS

TABOUT ABOUTD DABOUT ABOUTIN

• Compare the totals across all tables. What items of expenditure are highlighted this month? Did you expect this?

• Are there costs that can be reduced?

costs week 1 during the week week 2 week 3 week 4 week 5 communal payments total costs

per month:

How much money was at your disposal? How much did you spend? How much have you saved? • Have you achieved your goal?

Yes

Not

Nearly

• If so, congratulations! You deserve a small prize. Just be careful

not to waste your efforts. Choose something that can bring you real pleasure, at a low cost (see Tips).

• If not, what went wrong? What can be done in order to achieve the best result next month?

73

MONTH

record income and expenses during the month income

date

income item

sum

income item

sum

total income:

permanent costs

date

total fixed costs:

74

GOALS AND INTENTIONS

• on what items of expenses are you planning to save? • how can you achieve your goals?

how old are you

would you like to save money?

how much can you expect by the end of the month?

income

permanent costs

= money at your disposal

75

the planned saved

sum

MONTH

Mon

tue

Wed

th

products

the first necessary

bridges

optional bodily spending

culture and leisure

complementary

bodily costs

total:

76

A WEEK

Fri

Sat

sun

COSTS PER WEEK

goods first necessity

total:

optional spending

total:

culture and leisure

total:

additional costs

total:

TOTAL

DURING THE WEEK:

77

MONTH

Mon

tue

Wed

th

products

the first necessary

bridges

optional bodily spending

culture and leisure

complementary

bodily costs

total:

78

A WEEK

Fri

Sat

sun

COSTS PER WEEK

goods first necessity

total:

optional spending

total:

culture and leisure

total:

additional costs

total:

TOTAL

DURING THE WEEK:

79

MONTH

Mon

tue

Wed

th

products

the first necessary

bridges

optional bodily spending

culture and leisure

complementary

bodily costs

total:

80

A WEEK

Fri

Sat

sun

COSTS PER WEEK

goods first necessity

total:

optional spending

total:

culture and leisure

total:

additional costs

total:

TOTAL

DURING THE WEEK:

81

MONTH

Mon

tue

Wed

th

products

the first necessary

bridges

optional bodily spending

culture and leisure

complementary

bodily costs

total:

82

A WEEK

Fri

Sat

sun

COSTS PER WEEK

goods first necessity

total:

optional spending

total:

culture and leisure

total:

additional costs

total:

TOTAL

DURING THE WEEK:

83

MONTH

Mon

tue

Wed

th

products

the first necessary

bridges

optional bodily spending

culture and leisure

complementary

bodily costs

total:

84

A WEEK

Fri

Sat

sun

COSTS PER WEEK

goods first necessity

total:

optional spending

total:

culture and leisure

total:

additional costs

total:

TOTAL

DURING THE WEEK:

85

MONTH

goods first necessity

culture

week 1

week 1

week 2

week 2

week 3

week 3

week 4

week 4

week 5

week 5

total:

total:

optional spending

additional costs

week 1

week 1

week 2

week 2

week 3

week 3

week 4

week 4

week 5

week 5

total:

total:

and leisure

communal payments electricity

gas

telephone

and internet

total:

water

significant expenses expenses for

expenses for

week 1

week 1

week 2

week 2

week 3

week 3

week 4

week 4

week 5

week 5

total:

total:

86

POD BEEDDEEHHAND ANDE E AND ANDT

IN ZBUT ZBUTME M ESYATS

TABOUT ABOUTD DABOUT ABOUTIN

• Compare the totals across all tables. What items of expenditure are highlighted this month? Did you expect this?

• Are there costs that can be reduced?

costs week 1 during the week week 2 week 3 week 4 week 5 communal payments total costs

per month:

How much money was at your disposal? How much did you spend? How much have you saved? • Have you achieved your goal?

Yes

Not

Nearly

• If so, congratulations! You deserve a small prize. Just be careful

not to waste your efforts. Choose something that can bring you real pleasure, at a low cost (see Tips).

• If not, what went wrong? What can be done in order to achieve the best result next month?

87

MONTH

record income and expenses during the month income

date

income item

sum

income item

sum

total income:

permanent costs

date

total fixed costs:

88

GOALS AND INTENTIONS

• on what items of expenses are you planning to save? • how can you achieve your goals?

how old are you

would you like to save money?

how much can you expect by the end of the month?

income

permanent costs

= money at your disposal

89

the planned saved

sum

MONTH

Mon

tue

Wed

th

products

the first necessary

bridges

optional bodily spending

culture and leisure

complementary

bodily costs

total:

90

A WEEK

Fri

Sat

sun

COSTS PER WEEK

goods first necessity

total:

optional spending

total:

culture and leisure

total:

additional costs

total:

TOTAL

DURING THE WEEK:

91

MONTH

Mon

tue

Wed

th

products

the first necessary

bridges

optional bodily spending

culture and leisure

complementary

bodily costs

total:

92

A WEEK

Fri

Sat

sun

COSTS PER WEEK

goods first necessity

total:

optional spending

total:

culture and leisure

total:

additional costs

total:

TOTAL

DURING THE WEEK:

93

MONTH

Mon

tue

Wed

th

products

the first necessary

bridges

optional bodily spending

culture and leisure

complementary

bodily costs

total:

94

A WEEK

Fri

Sat

sun

COSTS PER WEEK

goods first necessity

total:

optional spending

total:

culture and leisure

total:

additional costs

total:

TOTAL

DURING THE WEEK:

95

MONTH

Mon

tue

Wed

th

products

the first necessary

bridges

optional bodily spending

culture and leisure

complementary

bodily costs

total:

96

A WEEK

Fri

Sat

sun

COSTS PER WEEK

goods first necessity

total:

optional spending

total:

culture and leisure

total:

additional costs

total:

TOTAL

DURING THE WEEK:

97

MONTH

Mon

tue

Wed

th

products

the first necessary

bridges

optional bodily spending

culture and leisure

complementary

bodily costs

total:

98

A WEEK

Fri

Sat

sun

COSTS PER WEEK

goods first necessity

total:

optional spending

total:

culture and leisure

total:

additional costs

total:

TOTAL

DURING THE WEEK:

99

MONTH

goods first necessity

culture

week 1

week 1

week 2

week 2

week 3

week 3

week 4

week 4

week 5

week 5

total:

total:

optional spending

additional costs

week 1

week 1

week 2

week 2

week 3

week 3

week 4

week 4

week 5

week 5

total:

total:

and leisure

communal payments electricity

gas

telephone

and internet

total:

water

significant expenses expenses for

expenses for

week 1

week 1

week 2

week 2

week 3

week 3

week 4

week 4

week 5

week 5

total:

total:

100

POD BEEDDEEHHAND ANDE E AND ANDT

IN ZBUT ZBUTME M ESYATS

TABOUT ABOUTD DABOUT ABOUTIN

• Compare the totals across all tables. What items of expenditure are highlighted this month? Did you expect this?

• Are there costs that can be reduced?

costs week 1 during the week week 2 week 3 week 4 week 5 communal payments total costs

per month:

How much money was at your disposal? How much did you spend? How much have you saved? • Have you achieved your goal?

Yes

Not

Nearly

• If so, congratulations! You deserve a small prize. Just be careful

not to waste your efforts. Choose something that can bring you real pleasure, at a low cost (see Tips).

• If not, what went wrong? What can be done in order to achieve the best result next month?

101

MONTH

record income and expenses during the month income

date

income item

sum

income item

sum

total income:

permanent costs

date

total fixed costs:

102

GOALS AND INTENTIONS

• on what items of expenses are you planning to save? • how can you achieve your goals?

how old are you

would you like to save money?

how much can you expect by the end of the month?

income

permanent costs

= money at your disposal

103

the planned saved

sum

MONTH

Mon

tue

Wed

th

products

the first necessary

bridges

optional bodily spending

culture and leisure

complementary

bodily costs

total:

104

A WEEK

Fri

Sat

sun

COSTS PER WEEK

goods first necessity

total:

optional spending

total:

culture and leisure

total:

additional costs

total:

TOTAL

DURING THE WEEK:

105

MONTH

Mon

tue

Wed

th

products

the first necessary

bridges

optional bodily spending

culture and leisure

complementary

bodily costs

total:

106

A WEEK

Fri

Sat

sun

COSTS PER WEEK

goods first necessity

total:

optional spending

total:

culture and leisure

total:

additional costs

total:

TOTAL

DURING THE WEEK:

107

MONTH

Mon

tue

Wed

th

products

the first necessary

bridges

optional bodily spending

culture and leisure

complementary

bodily costs

total:

108

A WEEK

Fri

Sat

sun

COSTS PER WEEK

goods first necessity

total:

optional spending

total:

culture and leisure

total:

additional costs

total:

TOTAL

DURING THE WEEK:

109

MONTH

Mon

tue

Wed

th

products

the first necessary

bridges

optional bodily spending

culture and leisure

complementary

bodily costs

total:

110

A WEEK

Fri

Sat

sun

COSTS PER WEEK

goods first necessity

total:

optional spending

total:

culture and leisure

total:

additional costs

total:

TOTAL

DURING THE WEEK:

111

MONTH

Mon

tue

Wed

th

products

the first necessary

bridges

optional bodily spending

culture and leisure

complementary

bodily costs

total:

112

A WEEK

Fri

Sat

sun

COSTS PER WEEK

goods first necessity

total:

optional spending

total:

culture and leisure

total:

additional costs

total:

TOTAL

DURING THE WEEK:

113

MONTH

goods first necessity

culture

week 1

week 1

week 2

week 2

week 3

week 3

week 4

week 4

week 5

week 5

total:

total:

optional spending

additional costs

week 1

week 1

week 2

week 2

week 3

week 3

week 4

week 4

week 5

week 5

total:

total:

and leisure

communal payments electricity

gas

telephone

and internet

total:

water

significant expenses expenses for

expenses for

week 1

week 1

week 2

week 2

week 3

week 3

week 4

week 4

week 5

week 5

total:

total:

114

POD BEEDDEEHHAND ANDE E AND ANDT

IN ZBUT ZBUTME M ESYATS

TABOUT ABOUTD DABOUT ABOUTIN

• Compare the totals across all tables. What items of expenditure are highlighted this month? Did you expect this?

• Are there costs that can be reduced?

costs week 1 during the week week 2 week 3 week 4 week 5 communal payments total costs

per month:

How much money was at your disposal? How much did you spend? How much have you saved? • Have you achieved your goal?

Yes

Not

Nearly

• If so, congratulations! You deserve a small prize. Just be careful

not to waste your efforts. Choose something that can bring you real pleasure, at a low cost (see Tips).

• If not, what went wrong? What can be done in order to achieve the best result next month?

115

MONTH

record income and expenses during the month income

date

income item

sum

income item

sum

total income:

permanent costs

date

total fixed costs:

116

GOALS AND INTENTIONS

• on what items of expenses are you planning to save? • how can you achieve your goals?

how old are you

would you like to save money?

how much can you expect by the end of the month?

income

permanent costs

= money at your disposal

117

the planned saved

sum

MONTH

Mon

tue

Wed

th

products

the first necessary

bridges

optional bodily spending

culture and leisure

complementary

bodily costs

total:

one

eleven oneeight eight

A WEEK

Fri

Sat

sun

COSTS PER WEEK

goods first necessity

total:

optional spending

total:

culture and leisure

total:

additional costs

total:

TOTAL

DURING THE WEEK:

onenine eleven onenine

MONTH

Mon

tue

Wed

th

products

the first necessary

bridges

optional bodily spending

culture and leisure

complementary

bodily costs

total:

1220 one

A WEEK

Fri

Sat

sun

COSTS PER WEEK

goods first necessity

total:

optional spending

total:

culture and leisure

total:

additional costs

total:

TOTAL

DURING THE WEEK:

122one one

MONTH

Mon

tue

Wed

th

products

the first necessary

bridges

optional bodily spending

culture and leisure

complementary

bodily costs

total:

1222 one

A WEEK

Fri

Sat

sun

COSTS PER WEEK

goods first necessity

total:

optional spending

total:

culture and leisure

total:

additional costs

total:

TOTAL

DURING THE WEEK:

1223 one

MONTH

Mon

tue

Wed

th

products

the first necessary

bridges

optional bodily spending

culture and leisure

complementary

bodily costs

total:

124

A WEEK

Fri

Sat

sun

COSTS PER WEEK

goods first necessity

total:

optional spending

total:

culture and leisure

total:

additional costs

total:

TOTAL

DURING THE WEEK:

125

MONTH

Mon

tue

Wed

th

products

the first necessary

bridges

optional bodily spending

culture and leisure

complementary

bodily costs

total:

126

A WEEK

Fri

Sat

sun

COSTS PER WEEK

goods first necessity

total:

optional spending

total:

culture and leisure

total:

additional costs

total:

TOTAL

DURING THE WEEK:

127

MONTH

goods first necessity

culture

week 1

week 1

week 2

week 2

week 3

week 3

week 4

week 4

week 5

week 5

total:

total:

optional spending

additional costs

week 1

week 1

week 2

week 2

week 3

week 3

week 4

week 4

week 5

week 5

total:

total:

and leisure

communal payments electricity

gas

telephone

and internet

total:

water

significant expenses expenses for

expenses for

week 1

week 1

week 2

week 2

week 3

week 3

week 4

week 4

week 5

week 5

total:

total:

128

POD BEEDDEEHHAND ANDE E AND ANDT

IN ZBUT ZBUTME M ESYATS

TABOUT ABOUTD DABOUT ABOUTIN

• Compare the totals across all tables. What items of expenditure are highlighted this month? Did you expect this?

• Are there costs that can be reduced?

costs week 1 during the week week 2 week 3 week 4 week 5 communal payments total costs

per month:

How much money was at your disposal? How much did you spend? How much have you saved? • Have you achieved your goal?

Yes

Not

Nearly

• If so, congratulations! You deserve a small prize. Just be careful

not to waste your efforts. Choose something that can bring you real pleasure, at a low cost (see Tips).

• If not, what went wrong? What can be done in order to achieve the best result next month?

129

MONTH

record income and expenses during the month income

date

income item

sum

income item

sum

total income:

permanent costs

date

total fixed costs:

130

GOALS AND INTENTIONS

• on what items of expenses are you planning to save? • how can you achieve your goals?

how old are you

would you like to save money?

how much can you expect by the end of the month?

income

permanent costs

= money at your disposal

131

the planned saved

sum

MONTH

Mon

tue

Wed

th

products

the first necessary

bridges

optional bodily spending

culture and leisure

complementary

bodily costs

total:

132

A WEEK

Fri

Sat

sun

COSTS PER WEEK

goods first necessity

total:

optional spending

total:

culture and leisure

total:

additional costs

total:

TOTAL

DURING THE WEEK:

133

MONTH

Mon

tue

Wed

th

products

the first necessary

bridges

optional bodily spending

culture and leisure

complementary

bodily costs

total:

134

A WEEK

Fri

Sat

sun

COSTS PER WEEK

goods first necessity

total:

optional spending

total:

culture and leisure

total:

additional costs

total:

TOTAL

DURING THE WEEK:

135

MONTH

Mon

tue

Wed

th

products

the first necessary

bridges

optional bodily spending

culture and leisure

complementary

bodily costs

total:

136

A WEEK

Fri

Sat

sun

COSTS PER WEEK

goods first necessity

total:

optional spending

total:

culture and leisure

total:

additional costs

total:

TOTAL

DURING THE WEEK:

137

MONTH

Mon

tue

Wed

th

products

the first necessary

bridges

optional bodily spending

culture and leisure

complementary

bodily costs

total:

138

A WEEK

Fri

Sat

sun

COSTS PER WEEK

goods first necessity

total:

optional spending

total:

culture and leisure

total:

additional costs

total:

TOTAL

DURING THE WEEK:

139

MONTH

Mon

tue

Wed

th

products

the first necessary

bridges

optional bodily spending

culture and leisure

complementary

bodily costs

total:

140

A WEEK

Fri

Sat

sun

COSTS PER WEEK

goods first necessity

total:

optional spending

total:

culture and leisure

total:

additional costs

total:

TOTAL

DURING THE WEEK:

141

MONTH

goods first necessity

culture

week 1

week 1

week 2

week 2

week 3

week 3

week 4

week 4

week 5

week 5

total:

total:

optional spending

additional costs

week 1

week 1

week 2

week 2

week 3

week 3

week 4

week 4

week 5

week 5

total:

total:

and leisure

communal payments electricity

gas

telephone

and internet

total:

water

significant expenses expenses for

expenses for

week 1

week 1

week 2

week 2

week 3

week 3

week 4

week 4

week 5

week 5

total:

total:

142

POD BEEDDEEHHAND ANDE E AND ANDT

IN ZBUT ZBUTME M ESYATS

TABOUT ABOUTD DABOUT ABOUTIN

• Compare the totals across all tables. What items of expenditure are highlighted this month? Did you expect this?

• Are there costs that can be reduced?

costs week 1 during the week week 2 week 3 week 4 week 5 communal payments total costs

per month:

How much money was at your disposal? How much did you spend? How much have you saved? • Have you achieved your goal?

Yes

Not

Nearly

• If so, congratulations! You deserve a small prize. Just be careful

not to waste your efforts. Choose something that can bring you real pleasure, at a low cost (see Tips).

• If not, what went wrong? What can be done in order to achieve the best result next month?

143

MONTH

record income and expenses during the month income

date

income item

sum

income item

sum

total income:

permanent costs

date

total fixed costs:

144

GOALS AND INTENTIONS

• on what items of expenses are you planning to save? • how can you achieve your goals?

how old are you

would you like to save money?

how much can you expect by the end of the month?

income

permanent costs

= money at your disposal

145

the planned saved

sum

MONTH

Mon

tue

Wed

th

products

the first necessary

bridges

optional bodily spending

culture and leisure

complementary

bodily costs

total:

146

A WEEK

Fri

Sat

sun

COSTS PER WEEK

goods first necessity

total:

optional spending

total:

culture and leisure

total:

additional costs

total:

TOTAL

DURING THE WEEK:

147

MONTH

Mon

tue

Wed

th

products

the first necessary

bridges

optional bodily spending

culture and leisure

complementary

bodily costs

total:

148

A WEEK

Fri

Sat

sun

COSTS PER WEEK

goods first necessity

total:

optional spending

total:

culture and leisure

total:

additional costs

total:

TOTAL

DURING THE WEEK:

149

MONTH

Mon

tue

Wed

th

products

the first necessary

bridges

optional bodily spending

culture and leisure

complementary

bodily costs

total:

150

A WEEK

Fri

Sat

sun

COSTS PER WEEK

goods first necessity

total:

optional spending

total:

culture and leisure

total:

additional costs

total:

TOTAL

DURING THE WEEK:

151

MONTH

Mon

tue

Wed

th

products

the first necessary

bridges

optional bodily spending

culture and leisure

complementary

bodily costs

total:

152

A WEEK

Fri

Sat

sun

COSTS PER WEEK

goods first necessity

total:

optional spending

total:

culture and leisure

total:

additional costs

total:

TOTAL

DURING THE WEEK:

153

MONTH

Mon

tue

Wed

th

products

the first necessary

bridges

optional bodily spending

culture and leisure

complementary

bodily costs

total:

154

A WEEK

Fri

Sat

sun

COSTS PER WEEK

goods first necessity

total:

optional spending

total:

culture and leisure

total:

additional costs

total:

TOTAL

DURING THE WEEK:

155

MONTH

goods first necessity

culture

week 1

week 1

week 2

week 2

week 3

week 3

week 4

week 4

week 5

week 5

total:

total:

optional spending

additional costs

week 1

week 1

week 2

week 2

week 3

week 3

week 4

week 4

week 5

week 5

total:

total:

and leisure

communal payments electricity

gas

telephone

and internet

total:

water

significant expenses expenses for

expenses for

week 1

week 1

week 2

week 2

week 3

week 3

week 4

week 4

week 5

week 5

total:

total:

156

POD BEEDDEEHHAND ANDE E AND ANDT

IN ZBUT ZBUTME M ESYATS

TABOUT ABOUTD DABOUT ABOUTIN

• Compare the totals across all tables. What items of expenditure are highlighted this month? Did you expect this?

• Are there costs that can be reduced?

costs week 1 during the week week 2 week 3 week 4 week 5 communal payments total costs

per month:

How much money was at your disposal? How much did you spend? How much have you saved? • Have you achieved your goal?

Yes

Not

Nearly

• If so, congratulations! You deserve a small prize. Just be careful

not to waste your efforts. Choose something that can bring you real pleasure, at a low cost (see Tips).

• If not, what went wrong? What can be done in order to achieve the best result next month?

157

MONTH

record income and expenses during the month income

date

income item

sum

income item

sum

total income:

permanent costs

date

total fixed costs:

158

GOALS AND INTENTIONS

• on what items of expenses are you planning to save? • how can you achieve your goals?

how old are you

would you like to save money?

how much can you expect by the end of the month?

income

permanent costs

= money at your disposal

159

the planned saved

sum

MONTH

Mon

tue

Wed

th

products

the first necessary

bridges

optional bodily spending

culture and leisure

complementary

bodily costs

total:

160

A WEEK

Fri

Sat

sun

COSTS PER WEEK

goods first necessity

total:

optional spending

total:

culture and leisure

total:

additional costs

total:

TOTAL

DURING THE WEEK:

161

MONTH

Mon

tue

Wed

th

products

the first necessary

bridges

optional bodily spending

culture and leisure

complementary

bodily costs

total:

162

A WEEK

Fri

Sat

sun

COSTS PER WEEK

goods first necessity

total:

optional spending

total:

culture and leisure

total:

additional costs

total:

TOTAL

DURING THE WEEK:

163

MONTH

Mon

tue

Wed

th

products

the first necessary

bridges

optional bodily spending

culture and leisure

complementary

bodily costs

total:

164

A WEEK

Fri

Sat

sun

COSTS PER WEEK

goods first necessity

total:

optional spending

total:

culture and leisure

total:

additional costs

total:

TOTAL

DURING THE WEEK:

165

MONTH

Mon

tue

Wed

th

products

the first necessary

bridges

optional bodily spending

culture and leisure

complementary

bodily costs

total:

166

A WEEK

Fri

Sat

sun

COSTS PER WEEK

goods first necessity

total:

optional spending

total:

culture and leisure

total:

additional costs

total:

TOTAL

DURING THE WEEK:

167

MONTH

Mon

tue

Wed

th

products

the first necessary

bridges

optional bodily spending

culture and leisure

complementary

bodily costs

total:

168

A WEEK

Fri

Sat

sun

COSTS PER WEEK

goods first necessity

total:

optional spending

total:

culture and leisure

total:

additional costs

total:

TOTAL

DURING THE WEEK:

169

MONTH

goods first necessity

culture

week 1

week 1

week 2

week 2

week 3

week 3

week 4

week 4

week 5

week 5

total:

total:

optional spending

additional costs

week 1

week 1

week 2

week 2

week 3

week 3

week 4

week 4

week 5

week 5

total:

total:

and leisure

communal payments electricity

gas

telephone

and internet

total:

water

significant expenses expenses for

expenses for

week 1

week 1

week 2

week 2

week 3

week 3

week 4

week 4

week 5

week 5

total:

total:

170

POD BEEDDEEHHAND ANDE E AND ANDT

IN ZBUT ZBUTME M ESYATS

TABOUT ABOUTD DABOUT ABOUTIN

• Compare the totals across all tables. What items of expenditure are highlighted this month? Did you expect this?

• Are there costs that can be reduced?

costs week 1 during the week week 2 week 3 week 4 week 5 communal payments total costs

per month:

How much money was at your disposal? How much did you spend? How much have you saved? • Have you achieved your goal?

Yes

Not

Nearly

• If so, congratulations! You deserve a small prize. Just be careful

not to waste your efforts. Choose something that can bring you real pleasure, at a low cost (see Tips).

• If not, what went wrong? What can be done in order to achieve the best result next month?

171

MONTH

record income and expenses during the month income

date

income item

sum

income item

sum

total income:

permanent costs

date

total fixed costs:

172

GOALS AND INTENTIONS

• on what items of expenses are you planning to save? • how can you achieve your goals?

how old are you

would you like to save money?

how much can you expect by the end of the month?

income

permanent costs

= money at your disposal

173

the planned saved

sum

MONTH

Mon

tue

Wed

th

products

the first necessary

bridges

optional bodily spending

culture and leisure

complementary

bodily costs

total:

174

A WEEK

Fri

Sat

sun

COSTS PER WEEK

goods first necessity

total:

optional spending

total:

culture and leisure

total:

additional costs

total:

TOTAL

DURING THE WEEK:

175

MONTH

Mon

tue

Wed

th

products

the first necessary

bridges

optional bodily spending

culture and leisure

complementary

bodily costs

total:

176

A WEEK

Fri

Sat

sun

COSTS PER WEEK

goods first necessity

total:

optional spending

total:

culture and leisure

total:

additional costs

total:

TOTAL

DURING THE WEEK:

177

MONTH

Mon

tue

Wed

th

products

the first necessary

bridges

optional bodily spending

culture and leisure

complementary

bodily costs

total:

178

A WEEK

Fri

Sat

sun

COSTS PER WEEK

goods first necessity

total:

optional spending

total:

culture and leisure

total:

additional costs

total:

TOTAL

DURING THE WEEK:

179

MONTH

Mon

tue

Wed

th

products

the first necessary

bridges

optional bodily spending

culture and leisure

complementary

bodily costs

total:

180

A WEEK

Fri

Sat

sun

COSTS PER WEEK

goods first necessity

total:

optional spending

total:

culture and leisure

total:

additional costs

total:

TOTAL

DURING THE WEEK:

181

MONTH

Mon

tue

Wed

th

products

the first necessary

bridges

optional bodily spending

culture and leisure

complementary

bodily costs

total:

182

A WEEK

Fri

Sat

sun

COSTS PER WEEK

goods first necessity

total:

optional spending

total:

culture and leisure

total:

additional costs

total:

TOTAL

DURING THE WEEK:

183

MONTH

goods first necessity

culture

week 1

week 1

week 2

week 2

week 3

week 3

week 4

week 4

week 5

week 5

total:

total:

optional spending

additional costs

week 1

week 1

week 2

week 2

week 3

week 3

week 4

week 4

week 5

week 5

total:

total:

and leisure

communal payments electricity

gas

telephone

and internet

total:

water

significant expenses expenses for

expenses for

week 1

week 1

week 2

week 2

week 3

week 3

week 4

week 4

week 5

week 5

total:

total:

184

POD BEEDDEEHHAND ANDE E AND ANDT

IN ZBUT ZBUTME M ESYATS

TABOUT ABOUTD DABOUT ABOUTIN

• Compare the totals across all tables. What items of expenditure are highlighted this month? Did you expect this?

• Are there costs that can be reduced?

costs week 1 during the week week 2 week 3 week 4 week 5 communal payments total costs

per month:

How much money was at your disposal? How much did you spend? How much have you saved? • Have you achieved your goal?

Yes

Not

Nearly

• If so, congratulations! You deserve a small prize. Just be careful

not to waste your efforts. Choose something that can bring you real pleasure, at a low cost (see Tips).

• If not, what went wrong? What can be done in order to achieve the best result next month?

185

YEAR RESULTS BY CATEGORY

• After 12 months of use kakebo complete the following table. Enter expenses for the month for each of the 4 main categories, then add up, to get the total of the year. month

products

the first necessary bridges

optional bodily

culture and leisure

spending

complementary

bodily costs

total:

one

2

3

four

• Which month was the toughest? • Why (for example, there were a lot of unforeseen expenses, made a lot of unnecessary expenses or overspend on culture and leisure, did not fill in kakebo, had problems getting money, etc.)?

• Which month was the easiest? • Why (for example, did you receive money that you did not expect, managed to save as much as planned, were able to get rid of some items of expenses, etc.)?

186

YEAR RESULTS BY CATEGORY

• Now calculate the percentage of the categories. This will allow you to visually see which items of expenditure are most affecting your annual budget. To do this, add up the totals in all categories for the year and divide the result by 100. You get the number X. one+2+3+four (divided by 100) = number X

/

100

=

• Now you need to divide the total of each category (1, 2, 3 and 4) by the number X, thus getting 4 percentages. % of expenses for essential goods one / X

=

% of expenses

for culture and leisure 3/X

=

% of optional expenses 2/X

=

% of additional and unforeseen expenses four / X

=

• What items of expenditure turned out to be the most expensive? • Did you realize that these are the categories you spend the most on?

• Before you started to drive kakebo, most of the costs were in

the same categories, or were there changes? If there are changes, in which direction and why did they occur?

• Are there any items of expenditure that you could have cut back last year?

• Are there any expense items that you would like / need to spend more on?

187

UTILITY PAYMENTS PER YEAR

• Summing up the results by category, at the end of the year it

makes sense to check how things are with utility bills. Then you can understand how much is actually spent.

• Select from the expenditure part of each month (or from the

column of fixed costs, if your amounts are fixed and entered at the beginning of the month) the costs of paying for electricity, gas, water and household phone. electricity period

gas the total

period

average month payment

average month payment

in just a year

in just a year

water

period

the total

the total

landline phone / internet period total

average month payment

average month payment

in just a year

in just a year

• Estimate the grand total in each category: did it match what you expected? If not, what did you notice?

• Analyze your consumption. Perhaps it makes sense to install meters or change the tariff.

188

SIGNIFICANT COSTS PER YEAR

• In the blank columns of the table, enter those expense items that

turned out to be significant for your wallet. Transfer here those purchases that you have already identified and marked at the end of each month in the section “significant expenses”, in addition, check subscriptions to paid channels, etc. By highlighting these consumption items, you may find that you are spending more than expected, for example on fuel, and try to find alternatives that will save you. You may notice that some services are too expensive and not as harmless as they seemed.

expenses for period

the total

expenses for period

average month payment

average month payment

in just a year

in just a year

expenses for period

the total

expenses for period

average month payment

average month payment

in just a year

in just a year

the total

the total

• Reflect on the results of your calculations to understand how to improve the situation and what new and effective goals to set for the next year.

189

TAXES PER YEAR

• Below, write down all taxes paid for the year: transport tax, land

tax, property tax. If you are a sole proprietor, add insurance premiums and taxes that you pay according to your chosen regime here. taxation.

tax

sum

tax

sum

total notes

190

YOUR RESULTS

One year after starting to use the system kakebo it is very useful to take stock of your activities: evaluate successes and analyze mistakes.

• How much did you save? SAVE ME month

MONTH BY MONTH

sum

You managed to seco-

get that much

how much is planned get down?

YES NEARLY

NOT

Saved in a year:

• What have you learned from kakebo? Have you noticed that you've gotten better at managing your costs?

Even if you haven't fully accomplished what you intended, it's time to celebrate and reward yourself for what you accomplished. What will you do with your savings? You can spend it on a vacation, a purchase you've dreamed of for a long time, or make a present for yourself and / or your family. There are many possibilities, turn on your imagination and enjoy the well-deserved prize! If you have more ambitious / long term plans, set aside or invest the money saved. Then you can add to them those that you save up next year to make your wildest dreams come true!

191

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TO YOURSELF A MILLIONAIRE

KAKEBO The Japanese Art of Saving Money by Motoko Hani Chief Editor R. Faskhutdinov Head of L. Osheverova Responsible editor E. Lantsova Junior editor R. Murtazina Art editor M. Klava-Yanat The illustrations used in the interior design: davooda, 13ree.design, Puckung / Shutterstock.com Used under license from Shutterstock.com Cover artwork used illustration Klava-Yanat Maria LLC "Publishing house" Eksmo "

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