#Kakeibo

[scrapstudioes]

📒 Siempre busco formas efectivas para hacer mi vida menos compleja, buscando "ayuda práctica" que funcione; y si me funcionan a mí, tal vez puedan serte útil a ti también ;)

📒 En este caso, para organizar mi economía, elegí KAKEBO, un método japonés para ahorrar dinero. Al aplicar la técnica Kakebo, aprenderás disciplina y compromiso. Seas o no millonario, es una buena manera de saber conscientemente qué gastos tienes y ¡donde leches van todos tus ahorros! ¿Alguien ha probado esta técnica para administrar su economía? Compartirme vuestras experiencias en comentarios :) 👇👇👇👇 Más sobre el método Kakebo: https://scrapstudio.wordpress.com/2020/07/03/kakebo-economia-en-casa/

[just-news-today]

Kakeibo: Mastering Your Finances with a Time-Tested Japanese Method

Kakeibo, a traditional Japanese budgeting method, provides a mindful and structured approach to personal finance management. Meaning "household ledger," Kakeibo encourages individuals to track their income and expenses meticulously while reflecting on spending habits. This time-tested technique helps people gain better control over their finances, promoting savings and more intentional spending through thoughtful record-keeping and self-reflection.

This report originates from LipFlip.org

[themindofastrid]

🌐Recs of the Week No.34

Hello there👋🏽! Across the internet there’s a lot of awesomeness, so I decided to curate a small list of cool content that I think it’s worth sharing, I hope you find it useful, inspiring or interesting.

Thank you so much for being here♡.

Without further ado, these are my internet findings of the week:

Articles📝

Videos🎥

IG Posts🖼️

View this post on Instagram

A post shared by Shortform | Self-Improvement Tips (@_shortform)

View this post on Instagram

A post shared by Productivity Planner (@beproductive)

Until next week, xo.

[nuestrocoaching]

Sumérgete en el arte japonés de ahorrar

¡Sumérgete en el arte japonés de ahorrar dinero con mi nuevo blog sobre Kakeibo! 💴🎎 Descubre consejos prácticos para lograr equilibrio financiero. 🌟 ¡Transforma tu relación con el dinero! 💰🌸

[k-star-holic]

Yong-joon Kim I live with my parents in my house, Kakeibo 11 years (groom class)

[imiteeshon]

[ladyosen]

2024 Snowflake Challenge #2 Goals

Some fannish goals for 2024 that I have:

1. Continue working on writing 200 words minimum a day. If I miss a day, it's easy enough to make up and more often than not I'll go a little over it. I've been using the word tracker from here

2. Actually post some fanfics again! I still love Twisted Wonderland a lot and want to keep writing even though I mostly write rare pairings. But I hope that people will still enjoy what I put out.

3. Complete my reading challenge on good reads! I fell a little short last year but I want to be consistent. I'm reading about fifteen minutes before bed, which helps a lot. I'm starting this year with The Lies of Locke Lamora, which is intimidating, but I'm almost at the 75% mark, so I feel like my consistency is rewarding me.

4. Tying in with that, I also want to read through part one of Trash of the Count's Family. Which… might take a while and I'm not including it in my bedtime reading routine because hooboy. But I'm excited.

5. I want to try to post at least once a week or more on here and Tumblr. I'm active on plurk, twitter, and bluesky, but miss regular blogging. Maybe I'll even interact with people one day!

6. Last of all, just being a bit more consistent when it comes to rp. I'm still wavering on whether or not I should app into a game, but I do like the short little threads I have right now.

On the real life end:

1. Keep up with working out! I've been doing it for about… five months straight. I'm doing lighter workouts this month since my back hates me but I've been really consistent and I love it.

2. Slow steps on healthy eating. Reasonable portion control for now and once I get that locked down, I'll decide on what to add in next.

3. Some budgeting. I've been trying out a low key version of the kakeibo method. I've realized I need to be a little more responsible. Especially when it comes to eating out/buying convenience store food. Which should help with my other goals.

4. Also I'm making a few little household/life organizing efforts like trying to be more prompt with emptying the dishwasher and folding my laundry. The latter will be hard though.

5. And maybe depending on what happens with my work situation in the next few days look for a new job (cries internally).

But that's all for now!

x posted to my dreamwidth

[cltservices]

Kakeibo é um termo em Japonês para se referir ao método de gestão financeira da casa. No início do mês, anotam-se as receitas e despesas necessárias e definem-se metas de poupança. Além disto, é frequente o registo de pensamentos e observações com o objectivo de conscientizar o próprio consumo. Saiba mais em: www.cltservices.net

[metadata-uber-alles]

Also:

They're doing the thing where you act like something is a Mystical Art just because you call it by a Japanese word. 'Kakeibo' (家計簿) just means "household account book." Granted it's easier to get nice aesthetic account books in Japan, just because the stationery industry is thriving over there, but it's literally just writing stuff in a notebook.

Even if the 1953 study did exist, it is described as comparing people who wrote down goals to people who did not. The Kakeibo article talks about the benefits of writing by hand versus using digital tools. Those are two different questions.

if I've learned anything from grad school it's to check your sources, and this has proven invaluable in the dozens of instances when I've had an MBA-type try to tell me something about finances or leadership. Case in point:

Firefox serves me clickbaity articles through Pocket, which is fine because I like Firefox. But sometimes an article makes me curious. I'm pretty anal about my finances, and I wondered if this article was, as I suspected, total horseshit, or could potentially benefit me and help me get my spending under control. So let's check the article in question.

It mostly seems like common sense. "...track expenses and income for at least a month before setting a budget...How much money do I have or earn? How much do I want to save?" Basic shit like that. But then I get to this section:

This sounds fucking made up to me. And thankfully, they've provided a source to their claim that "research has repeatedly shown" that writing things down changes behavior. First mistake. What research is this?

Forbes, naturally, my #1 source for absolute dogshit fart-sniffing financial schlock. Forbes is the type of website that guy from high school who constantly posts on linkedin trawls daily for little articles like this that make him feel better about refusing to pay for a decent package for his employees' healthcare (I'm from the United States, a barbaric, conflict-ridden country in the throes of civil unrest, so obsessed with violence that its warlords prioritize weapons over universal medical coverage. I digress). Forbes constantly posts shit like this, and I constantly spend my time at leadership seminars debunking poor consultants who get paid to read these claims credulously. Look at this highlighted text. Does it make sense to you that simply writing your financial goals down would result in a 10x increase in your income? Because if it does, let me make you an offer on this sick ass bridge.

Thankfully, Forbes also makes the mistake of citing their sources. Let's check to see where this hyperlink goes:

SidSavara. I've never heard of this site, but the About section tells me that Sid is "a technology leader who empowers teams to grow into their best selves. He is a life-long learner enjoys developing software, leading teams in delivering mission critical projects, playing guitar and watching football and basketball."

That doesn't mean anything. What are his LinkedIn credentials? With the caveat that anyone can lie on Linkedin, Mr. Savara appears to be a Software Engineer. Which is fine! I'm glad software engineers exist! But Sid's got nothing in his professional history which suggests he knows shit about finance. So I'm already pretty skeptical of his website, which is increasingly looking like a personal fart-huffing blog.

The article itself repeats the credulous claim made in the Forbes story earlier, but this time, provides no link for the 3% story. Mr. Savara is smarter than his colleages at Forbes, it's much wiser to just make shit up.

HOWEVER. I am not the first person to have followed this rabbit hole. Because at the very top of this article, there is a disclaimer.

Uh oh!

Sid's been called out before, and in the follow up to this article, he reveals the truth.

You can guess where this is going.

So to go back to the VERY beginning of this post, both Pocket/Good Housekeeping and Forbes failed to do even the most basic of research, taking the wild claim that writing down your budget may increase your income by 10x on good faith and the word of a(n admittedly honest about his shortcomings) software engineer.

Why did I spend 30 minutes to make a tumblr post about this? Mostly to show off how smart I am, but also to remind folks of just how flimsy any claim on the internet can be. Click those links, follow those sources, and when the sources stop linking, ask why.

[vahdaniyet]

Kakeibo Yöntemiyle Zenginliğinizi Şekillendirin: Paranıza Hakim Olmanın Sırları!

[scrapstudioes]

Este sistema de finanzas, de cuatro categorías, te ayuda a ser más consciente de tus hábitos de gasto y evitar gastar dinero en cosas que no se alinean con tus objetivos.

Consíguelo aquí: https://scrapstudio.wordpress.com/2020/07/03/kakebo-economia-en-casa/

[sachnoitaichinh]

Kakeibo Bí Quyết Tiết Kiệm Và Làm Giàu Độc Đáo Của Người Nhật

[withoutaconscienceorafilter]

I was thinking about this yesterday. I set myself a monthly budget (kakeibo, you can google it) and try to stay under my spending limit. So sometimes I refrain from a treat or eating out or a purchase because I want to hit my spending & savings goals for the month.

(And to be clear, imo this is a *good* thing. I mostly cook for myself, only buy actual necessities, and shop carefully for what I do buy. In exchange, unexpected expenses don't break me and I can take occasional spur-of-the-moment trips.)

It's harder to make my goals right now. I'm doing and buying less to end up with the same or less money at the end of the month.

I stopped and thought, what if the difference between getting a coffee or not wasn't an imaginary monetary line. What if it was making rent? What if it was being homeless?

It hits differently when your bank account is empty instead of full.

Also, the social safety net in this country (US) is horrifically lacking and/or so stigmatized and blockaded as to be difficult for many to access.

[fredborges98]

HSBC "O Que é Dinheiro?" 90s

Kakeibo (japonês: 家計簿, Hepburn: kakeibo), é um método de economizar ou de planejamento financeiro japonês. A palavra "kakeibo" pode ser traduzida como "razão doméstica" e significa literalmente a gestão financeira doméstica. Os Kakeibos variam em estrutura, mas a ideia básica é a mesma. No início do mês, o usuário do kakeibo anota as receitas e despesas necessárias para o mês seguinte e decide algum tipo de meta de poupança. O usuário então registra diariamente suas próprias despesas, que são somadas primeiro no final da semana e depois no final do mês. No final do mês, um resumo dos gastos do mês é escrito no kakeibo. Além de despesas e receitas, pensamentos e observações são escritos no kakeibo com o objetivo de conscientizar o próprio consumo.Kakeibo é uma prática de uma filosofia financeira,um livro da sua autobiografia e filosofia financeira que nem vai além das anotações ou lançamentos financeiros, mas seu mindset e cultura financeira e como você diferencia preço de valor, tempo é vida de tempo é dinheiro e assim determina e diferencia transações, relações e relacionamentos pela essencialidade do dinheiro, podendo chegar a duas conclusões: o dinheiro é um meio ou um fim em si mesmo para a paz, o amor, a felicidade, o servir ao próximo, a generosidade ou simplesmente o oposto disso tudo, tornando-nos escravo do dinheiro e nunca o dinheiro nosso escravo!

Moneyfullness ou Moneyemptyness?

Por: Fred Borges

"Mike Lynch, o bilionário britânico e magnata da tecnologia que morreu após um iate de luxo naufragar na Sicília, passou mais de uma década construindo a maior empresa de software do Reino Unido e quase o mesmo tempo lutando contra acusações de que havia inflacionado seu valor para garantir uma venda multibilionária.

O corpo de Lynch foi recuperado nesta quinta-feira dos destroços do desastre, disse o funcionário do Ministério do Interior, Massimo Mariani, à Reuters.

Lynch fundou a empresa Autonomy em 1996 a partir de sua pesquisa inovadora na Universidade de Cambridge e foi elogiado por acionistas, líderes empresariais e políticos quando a vendeu para a Hewlett-Packard (HP) por US$ 11 bilhões (R$ 61,1 bilhões) 15 anos depois.

Mas no final de 2012, a HP surpreendeu Wall Street e a cidade de Londres ao dizer que havia descoberto um enorme escândalo contábil. Lynch negou as acusações.

A HP perdeu US$ 8,8 bilhões em valor e desencadeou 12 anos de batalhas legais em tribunais de Londres a São Francisco.

Lynch foi absolvido de todas as acusações em junho e solto após um ano em prisão domiciliar. Ele disse que estava “eufórico” e ansioso para retornar à sua família e à sua propriedade em Suffolk, Inglaterra, onde tinha um rebanho de gado de raça rara e muitos cães.

Como parte da celebração, Lynch convidou aqueles que o apoiaram para se juntarem à sua família em seu iate de 56 metros para um feriado de vela pelo sul da Itália.

Os convidados incluíam seu advogado e um executivo do Morgan Stanley que apareceu como testemunha.

O barco estava ancorado, com as velas abaixadas, quando foi atingido por uma violenta tempestade antes do amanhecer de segunda-feira e afundou rapidamente."Noticiário Internacional.

Esse é um breve resumo sobre o dinheiro. Não importa a quantidade conquistada ou mantida, mas o que ele te proporciona em qualidade de vida, nesse sentido, menos pode ser mais ou mais pode ser menos e não me interpretem mal, suas despesas devem se adequar às suas receitas e se houver sobras, por menores que elas sejam,devem ser poupadas e investidas, a isso chamamos de micro equilíbrio econômico e financeiro e para países macro equilíbrio econômico financeiro, fiscal, tributário e previdenciário.

Kakeibo é a síntese do que toda indivíduo, cidadã ou cidadão deveria adotar como comportamento em relação ao dinheiro, respeito a si próprio e a ele, sempre geri-lo com excelência, sempre otimizando-o, sempre fazendo-o trabalhar por você ou por sua família, infelizmente raras são as pessoas que usufruem desse " mindset", raras se sentem imbuidas ou comprometidas em elevar, agregar um melhor padrão de vida, raras pensam a longo prazo, foca no caminho, no meio, a maioria foca nos resultados e menos na filosofia dos resultados, num patamar mais elevado tanto em termos emocionais, espirituais, materiais e financeiros, poupador, investidor, numa economia doméstica cíclica,onde cada centavo deriva do esforço contínuo , disciplinado do dinheiro girando e se multiplicando em benefício da riqueza, riqueza é a consequência do " enobrecimento" de todas as áreas de nossa vida: espiritual,emocional, social, ambiental( sustentabilidade/reciclagem) física-material e social( relacional).

É preciso "moneyfullness" para saber se posicionar e fazer o dinheiro seu escravo e nunca o contrário!É preciso cultura e " mindset" para enriquecer, quanto a Lynch, chegue às suas próprias conclusões, pois dinheiro pode ser tudo, menos o que ele é realmente, uma abstração ontológica da jornada, da trilha, do caminho de cada pessoa no seu compromisso em ser melhor por servir a sua comunidade, cidade, nação, numa espiral humanitária de crescimento,soma, multiplicação e divisão ou distribuição,rumo a uma melhor humanidade, de seres humanos melhores, nesse sentido para uns ele pode significar: moneyemptyness!

[novoplata]

How I saved RM250k in 10 years.

I haven't always been good with money. I've shared before how I only started saving consistently at 30 and how I used to have thousands of ringgits in credit card debts throughout my 20s, thanks to my nonexistent delayed gratification.

Nonetheless, upon realising that I was nowhere like the person I had envisioned to be at 30, I decided it was high time to pull my act together and clean up the financial mess I'd gotten into.

I started my personal finance journey in January 2014 with RM800 in my savings account. By July 2014, my total savings was RM16,000. This month, exactly 10 years later, my total savings in the said account has reached RM266,000. A total increase of RM250,000 in 10 years. If you come from money, RM250k may not seem like a lot. But I had started from scratch (the last time I received money from my dad was in April/May 2005) and I had managed to hit my savings goal without getting a loan, winning the lottery or having a sugar daddy. Therefore, I'm pretty pleased with this milestone accomplishment.

Here's a step-by-step of how I did it: 1. Don't be afraid to job-hop The first conventional tip for saving money is to spend less than you earn and save 20% of your earnings. Sounds fair until inflation catches up with you and you no longer make enough to spend, let alone save. Therefore, my biggest financial tip is to monitor the job market and hop around to get a better offer. I don't normally stick around at a job longer than two years. Not only does my attention span not allow it, but you also won't be learning much by staying at a place too long. Especially when there's no promotion and pay increment in sight. At the end of the day, you can only save so much if you're not earning enough.

2. Keep track of your spending As a mildly neurotic INTJ, I love having a tried and true system I can control and rely on. Budgeting (kakeibo) provides that element of control and order that I crave and it helps me keep track of where my money goes each month.

3. Monetise your hobby I am forever blessed that day I decided to follow my dreams and become a full-time writer. Blogging used to be my hobby back when my full-time job was being a lab assistant at a chicken feed factory. Thank God that I had enough delulu and moxie to quit my job and pursue a new career as a journalist.

Long story short, whatever your heart craves to do, find a way to get paid doing exactly that. And you'll never work a day in your life. 4. Forget the Joneses and focus on yourself Not only is comparison the thief of joy, but it also keeps you from hitting your financial goals.

I've made a point to mute some friends and celebrities who seem to 'inspire' me to spend money. I limit my big ticket purchases to once or twice a year and pretty much stick to a frugal/minimalist lifestyle all year round. I don't mind looking poor to not actually be poor.

Conclusion When I was younger, I only viewed money as a means to get an object I wanted, be it a new bag, makeup or clothes. These days, I realise that having money is more about accessing the freedom and choices that it affords. It feels comforting to know that I can quit my God-awful job if I want to because I can now afford it. It also feels comforting to know that I won't be a burden to others, as I won't be relying on them for money. Having choices and freedom (afforded by money) gives you a different kind of confidence. To me, that's my biggest motivation to hit my financial goals.

[k-star-holic]

Yong-joon Kim, Single Confessions - Ex-Girlfriend's Show