Introduction

Kakeibo (家計簿) is a Japanese method of budgeting and saving money, pronounced kah-keh-boh. It translates to “household financial ledger” and was popularized in the early 1900s by Hani Motoko, Japan’s first female journalist.

More than just a budgeting tool, Kakeibo is a mindful approach to spending that encourages reflection, intention, and awareness of your financial habits.

Core Principles of Kakeibo

Writing by Hand Kakeibo is traditionally done with a physical notebook. Writing by hand makes you more aware of your habits and decisions. Tracking spending in four categories.

Kakeibo organizes your expenses into four main categories:

Needs (e.g. food, rent, bills)

Wants (e.g. dining out, entertainment, shopping)

Culture (e.g. books, museum visits, education)

Unexpected/Extra (e.g. gifts, repairs, emergencies)

Monthly Reflection Questions

At the beginning of each month, you ask: How much money do I have available? How much would I like to save? How much am I spending? How can I improve? End-of-Month Reflection: You review: What did I spend? Did I meet my savings goal? What worked and what didn’t? What can I change next month?

Benefits of Kakeibo

• Promotes mindful spending.

• Helps you identify spending patterns and habits.

• Rncourages saving by setting clear, intentional goals.

• Reduces financial stress by making money feel manageable and purposeful.