The Dhaka Times Desk Saving something for bad days is a beneficial thing for everyone. So more or less everyone has heard this advice to accumulate money. Learn the rules for depositing money at home in Japanese Keta today.
Everyone needs to save some money. But it may not always be given importance. But saving money is great. It gives you some peace of mind about the cost.
You may be surprised to know that Asia is the only continent where more than 50 percent of people have some sort of savings account. This information is from the famous Nielsen Institute. They say that in contrast to Asia, only 20 to 30 percent of people in America save money.
Asians use a method of saving surplus that Westerners are encouraged to see. One such Japanese method is 'Kakibo'. This is a 115-year-old Japanese technique for saving money.
There are several rules and regulations that everyone has to follow in the Kakibo system. However, no one has to suffer much for that. All you need is a notebook and a pencil. Researchers say this Japanese method can encourage anyone to save up to 35 percent of their income.
The Japanese word 'kakibo' means 'household account book'. Fumiko Chaiba, a Japanese writer on this matter, said that this method was originally started around 1904.
This method was introduced by Honey Motoko, Japan's first female journalist. She wanted to invent a technique that would allow Japanese women to better manage their family's finances.
At that time, most women were not allowed to work outside the home and could only save as much as they could from their husbands' money as household expenses.
She also said, 'In many ways traditional culture is followed in Japan, but Kakibo seems to have created a way for women to be free since that time.'
What is the Kakibo method really like?
Kakibo may seem a bit difficult at first. But that is the key to the success of this method. First: You need to write down your daily or weekly income and expenses. Such as income, regular expenses (rent, transportation, food, medicine etc.), retirement expenses and additional expenses etc.
You can create as many categories as you want. For example, many list food expenses in different ways and write them in different colors so that they are easy to see. At the end of the month you will deduct all these expenses from the total income. But the process does not end here. Kakibo is not only about controlling spending, but also teaching how to properly manage your money.
The real objective behind this Japanese strategy is to avoid unnecessary expenses after identifying those expenses that cannot be eliminated.
At the beginning of each month, you sit down with a kakibo and think carefully about how much you want to save.
You may need to answer 4 questions to meet your savings goals.
1. How much have you saved so far?
2. How much are you actually interested in saving?
3. How much money are you going to spend?
4. What else can you do or can do this month to increase your savings compared to the previous month?
The advice for meeting these objectives is very general. The Kakibo system helps you get a clear picture of your income and expenses. So you might as well try and see if you can save some money by following this method.
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