The Secret Money Saving Rule I Learned In Japan

💵 Download the Kakeibo Budgeting System, for free → vincentchan.co/kakeibo
Here's how the Japanese save so much money. They use a traditional budgeting system called Kakeibo, which translates to “household finance ledger."
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0:00 How I discovered this…
0:42 The Japanese Budget System
1:29 How to use the Japanese Budgeting System
8:11 The 2 other factors that helped the Japanese save more money
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All opinions expressed by Vincent Chan are solely Vincent Chan’s opinions. You should not treat any opinion expressed by Vincent Chan as a specific inducement to make a particular investment or follow a particular strategy, but only as an expression of his opinion. Vincent Chan’s opinions are based upon information he considers reliable, but does not warrant its completeness or accuracy, and it should not be relied upon as such. Vincent Chan is not under any obligation to update or correct any information provided. Vincent Chan’s statements and opinions are subject to change without notice.
Past performance is not indicative of future results. Vincent Chan does not guarantee any specific outcome or profit. You should be aware of the real risk of loss in following any strategy or investment discussed. Strategies or investments discussed may fluctuate in price or value. Investors may get back less than invested. Investments or strategies mentioned may not be suitable for you. This material does not take into account your particular investment objectives, financial situation or needs and is not intended as recommendations appropriate for you. You must make an independent decision regarding investments or strategies mentioned. Before acting on information, you should consider whether it is suitable for your particular circumstances and strongly consider seeking advice from your own financial or investment adviser.

[@VincentChan]

💵 Download the Kakeibo Budgeting System, for free → vincentchan.co/kakeibo

[@ksenia_lupanova]

Amazing video! But I can't download the file: the button is clickable but nothing is happening (also it's grey, like missing image). Can you please check if it's smthing on my side?

[@sherried79]

This video was put together very well. And, I love learning something new from a different culture. Thanks!

[@NNpn87]

I can't download the pdf either:(( It does not send to my email

[@Moonstruck89]

What worked the best for me was to set a savings goal upfront and treat it as a fixed expense.

[@turtleanton6539]

Too true😊

[@misterbd9641]

A very good way. Then save extra, rather than spending all that remains.

[@gaugea]

yup, its very simple and builds discipline :)

[@p.gizzle90]

Yesss, this one seem to work best for me.

[@Calil2k]

I agree. This worked for me while I was traveling abroad. I called it, an 'Entertainment Budget'. But, in reality, it was a savings budget.

[@vijayakumartc4902]

One simple rule: whatever you desire to buy, just postpone it for two days. If you still feel strong about it, buy. Most of the time you won't.

[@lukasgoza4493]

I generally push it out to a week or two to decide if it's something I'm actually going to need or use on a regular basis or if I'm just going to forget about it a few days after purchasing.

[@catiemyers3429]

I force myself to wait until my next paycheck..sometimes that's a couple of days, sometimes it's a week. The point is, it forces me to work the desired item into my budget. It also gives me time to think about the purchase a little longer.

[@floydchusset3143]

My most important money rule is Never Put All Your Eggs In One Basket. As a 9-5er, I made more than twice my income last year from only stocks and freelance developing. I also experiment with a couple of other things. It's way harder to make money plans when it's coming from just a source No Matter How Well It Pays.

[@actorsinsider9967]

Funny, my mom, whose Japanese, was always in charge of the finances. She was obsessed with keeping track of every single penny.

[@turtleanton6539]

So nice 😊

[@sole__doubt]

It all adds up. I just cancelled several subscriptions and I was shocked at how much it was.

[@chaoticsynthesis6565]

Income - Spending = Savings To make Savings go up, you can do the following: - Increase income - Decrease spending - Do both That's really all there is to it, and all that will ever be.

[@Palpatine4Senate]

I think it should be Income - Savings = Spending

[@Guitarrob83]

that one WEIRD trick that banks DON'T want you to know! 😆

[@Lillith.]

Income - necessary expenses - savings = spending

[@p.gizzle90]

😂Right! Idk why I read this and it tickled me. But it’s true. The most simplest formula.

[@p.gizzle90]

@@Lillith.I do your budgeting model a few times out the yr…switch it up in other months when I’m in a dire need to buy something that’s not a necessity, but is needed.😅

[@teams3345]

I started saving for retirement immediately out of college. It started with my second paycheck. Took a few weeks to get the paperwork processed. I started at 6% and increased every year almost. By the time I retired I was at 30%.

[@BSGSV]

I must be Japanese lol. It is good to be able to put a cool name (Kakeibo) to this practice, but it also known by a Western term: "pay yourself first". I am retired now, but from college days, I never used a budget. I simply knew my income, my fixed expenses, and prioritized saving first before spending on "electives". Frugal life was part of being a poor student. But it stuck when I started working. I never spent more than I made because of this. By the latter part of my career as my salaries increased, I was saving over 30% per year. Even though I was living in a big house, driving a BMW and eating out when I wanted, my annual burn rate was well under my direct deposit amount. This meant I had after tax money that could be dumped into savings as well. A big part of keeping all of this on track was Tracking Expenses. I would randomly take a swatch of months and go to my spending account statements and do an analysis of what I spent on what categories. I did a full year analysis a few years before retiring. This meant I knew EXACTLY how much I spent in every area and how much attention I needed to pay to special areas (or not). When I told people I don't budget, they thought I was being lazy and irresponsible. The reality was that once you max out retirement withholdings and dump extra cash into savings, you are FREE to live and spend because you have already established safe boundaries. I retired early with an ever increasing net worth.

[@amyk6028]

Yes. I put 10% of our income on automatic transfer into a savings account the day we get paid. It comes out FIRST. Even before I pay any bills. So I don’t even count it as income. Works great 👍

[@playalot86]

My man sign my shirt! 😅

[@DarkshiftGaming]

I think this is the best order to ask yourself the self questions. It's provides more straight to the point. 1. Can I afford it? 2. How did I come across it? 3. How do I feel about buying? 4. Will I actually use it? 5. Can I live without this item?

[@cynthiajohnston424]

Exactly ! I ask : is this a want or a need & how often will I use / wear , etc. it ? Cost per use , too , such as buying anything from a " new " used vehicle ( pay cash !! ) to a new winter coat ( bo't on sale !! ) . I love reading ( hours of enjoyment ) so books are a " luxury " budgeted in - in turn , I pass almost all on to friends or donate to our local humane society thrift shop to benefit others . 📚💙

[@barbarar5869]

Before buying something you could ask yourself how many hours you have to work to buy it. Or sometimes I will remind myself that instead of buying a coffee at work I could use that money and buy a coffee on vacation instead.

[@thefreedomguyuk]

You could go on a vacation, to enjoy it so much you don't need coffee ?

[@christopherstewart9874]

One suggestion that I think could help people achieve their savings goal: if your goal is to save 10% of each paycheck, as soon as your paycheck hits your bank, move 10% into a different account (perhaps a money market account at a brokerage firm, which pays a higher interest rate than a savings account at your bank - ideally within a Roth account) rather than leaving it in your checking account. It is easier to not spend money if the money isn't in your account to begin with. Another suggestion is to save up for a purchase and buy when you have already saved the required amount, rather than put the purchase on a credit card now and pay it off over time. At least occasionally, you will find that by the time you have saved the required amount, you no longer want the item anyway.

[@lamonthamilton667]

The Best Way..

[@twizack22]

Setting aside saving first is the best way to have money saved. I send my savings to a separate account in a completely different financial institution. I never see it so it keeps growing. I just got a raise so watching this video gave me the idea I should probably increase the amount I set aside.

[@cherylcarlson3315]

Good for you!! Also helps to put some of those distant savings into CD if higher rate for a year with rollover ability. Also put some saving into a retirement account. I also opened another savings account nearby to have emergency fund as didn't use credit.

[@marosuke139]

A regular viewer of your channel here, and as a Japanese, Oh my goodness I was not expecting to see Kakeibo pop up here! 😂And you even created an English version for ppl to have! Absolutely, its a tried and true way to save money👍

[@planetmartay]

Love this! I'm always soaking up tips to save more money. One thing that has helped me is to say, "does this align with my money goals?" It can be something as small as a box of cookies that are on sale. Sure, it might only be a few $, but those unnecessary purchases can add up!

[@minas.831]

I use to have a Japanese style journal called kakeibo it’s a financial planner and budget tracker. I lost it while out running errands one day, and it wasn’t in my porch when I got home but it was great for goals and setting up savings. I’ll have to get one again. I love how savings is the before thought! Pay yourself first!

[@georgekatsinis5224]

This is brilliant. So much GREAT INFORMATION to unpack in a short video.

[@user-ny5ht1ze2v]

Asking your employer for a larger proportion of your income to be in the form of a bonus is not a good suggestion. Bonuses are often not guaranteed. Reducing your monthly wage in favour of a bonus could reduce life assurance payouts, reduce redundancy payouts etc. Not a good suggestion.

[@jenaylorhippieson]

Also to add, bonuses are taxed at a higher rate.

[@donaldlyons17]

Why not ask for an increase in Christmas bonus instead? Some employers put their bonus in gift card format or in Christmas envelopes in cash? Just a thought.

[@salemdesigns65]

You can surely change your 401K contribution percentage when the bonus comes. It's not a big deal. I've done it several times though the years.

[@Eye_Witness]

I thought I was already doing a pretty good job on my budgeting. This is a step further with more detailed accounting of where you spend and how much. I discovered my biggest monthly expense is on utilities. I chose the option to pay a monthly average so that I could budget the utility expense easier. The second thing I noticed was that I spent too much on impulse items and household items such as utensils, gadgets and tools. I like the idea of deducting your savings amount at the first and then holding the rest of your expenditures to your budgeted amount. Keeping your receipts and writing everything down, then categorizing it as he said, is a major key to your success. Great video. Thanks, Vincent.

[@muffemod]

Stop wasting electricity with your lamp on during the day.

[@resterAnonyme]

I asked my Japanese wife of more than 20 years where your Kakeibo was, she laughed and said your my Kakeibo.

[@zer0tzer0]

This is awesome! It's just what I need.

[@taylorhenry6313]

Thank you so much for the budget sheet!

[@simplymoraa2565]

I like this system. Thank you for sharing.

[@asvdavis]

This was excellent, thanks Vincent!

[@carmenfreeman693]

Brilliant advice. Thank you!

[@Amayzun1]

This was a good video. Love how you explained everything and spoke calmly. Financial talk stresses me out & I've been trying to get my knowledge up in this area. Your video was very helpful. Thank you

[@nudafu633]

Articulate, concise and very helpful videos. Merci

[@NatsFan18]

I’ve been doing a variation this without noticing, lol. But thankfully I live like a hermit by nature hardly spending much anyways so it’s pretty easy for me 😂

[@justadudeintheworldman.120]

Can’t manage what you don’t measure. I use an app that’s been helpful. I can tell you where I’ve spent every cent for the last 7 years. Review it yearly and it’s eye opening and tells you were to cut and where you can spend more based on your priorities. I’m over analytical so I like to have more information and data that applies to me

[@SIC647]

I feel so good about myself right now. 😄 This is almost in every detail what I did a couple of years ago, even I decided to pay off all debt I had.

[@raymondoneill8463]

I was literally turning on the office as he said “what else do you use peacock for besides watching the office” and ya know what…he’s absolutely right I watch nothing else on here

[@Exoquasar]

Great video yet again!

[@giansfranz7681]

thank you, this makes so much sense to me...savings as a before thought...i have downloaded the pdf file and will use this new system. thank you❤

[@ladysparkymartin]

Thanks Vincent! I don’t know how I picked up the attitude, and it’s not unique, but not having a fear of money has served me very well over my 54 years on earth. Maybe a better way to say it is that money serves me, I don’t obey money. Hmph. That’s not good either. Maybe, money is best used when it’s ignored and resting quietly. I won’t deprive myself of its affection but I’d rather gaze at it occasionally from afar. As another commenter said, live below your means. Yes. 😊

[@dwalker6868]

Thank you for the information

[@1slandprincess]

New subscriber here! I was scrolling and came upon your video. I appreciate it so much. The first 12 ones I watched, I just couldn’t listen to them contradicting themselves and others just didn’t grasp my attention. Not their fault of course but your vid made me feel like i was actually here to learn something as opposed to feeling shamed for making mistakes in life to bring my current situation. So thank you for that! After that first vid, i had to see another one! I’m hoping to find something that I can use and stick to! 🤞🏾

[@Lillith.]

When I first set up my budget this is how I did it. I didn't know about this budgeting method, it just made sense for how I structured my budget. Saving and investing was one of my primary goals, so were more at the forefront. My parents had this really cool old household finances notebook I loved to play with and I paired it with pots that cash stuffers use because I liked that idea. Around me almost everything is cash free, so I do everything digitally, but I liked the idea of things having a place. I mixed and matched my way to something very much like Kakeibo apparently.

[@CosyKitty]

Same, I'm currently using a very similar system that I came up with without knowing this one was a thing

[@mikevalentine9556]

Thx Vincent. Great info as always.😎✌

[@sweett1973]

Thank you, Subscribed.

[@bite-sizedshorts9635]

Utilities vary a huge amount. My electric bill doubles several months in summer. My propane bill is $500 to $600 a month for several months in winter. The water bill is different every month.

[@beth3535]

Annualize this cost and budget that amount each month. I take the balance each month and put in in my (short-term) savings. It builds during part of the year and has lessened stress considerably.

[@BOSSDONMAN]

This is why automatic/scheduled investments are a huge game changer.

[@janetamerasinghe7824]

I admire that you included a "cultural" in addition to the usual 50/30/20 categories. Meeting others' expectations potentially contributes to a higher quality of life.

[@lizhernandez3857]

Great Video 🙂

[@TheWhiteMamba3000]

Regardless of the budget type, visual awareness helps a lot.

[@sumpeoplesay]

Just realized I'm already doing this. Nice.

[@foodlover8151]

I need this. With expected economic downturn this autumn, I need to save as much money as possible

[@jennifer7648]

This seems great for those who have the money to save and don't have to live on very little.

[@sorscha1308]

This is basically balancing the books. My mum did this my whole childhood, with a pen and little notebook. I do it naturally, in my head. Once you learn to live within your means it becomes natural and is not a 'task' at all.

[@cynthiajohnston424]

My parents , who grew up during The Depression , gave us a very comfortable middle class life because they budgeted ! Every payday was envelopes , labeled w/ the purpose & amount , spread out on the kitchen table - weekly & monthly expenses , savings , church donations , etc. & " extras " like special dinners out w/ friends & our annual vacations . Lots went into savings !! No debt !! My parents finally got a bank credit card for a travel emergency only . Sears & Penny's credit cards rarely used , paid in full before the due date . As a baby boomer , I appreciate how they led by example - life lessons ! My husband grew up very poor , no money to save / budgeting experiences, so by sharing my parents' methods w/ him ( updated fr. envelopes to banking services 🙂 ) , we too are financially comfortable. 💵💚

[@wendyshoowaiching4161]

Home cook chinese rice 1 rice/ 1 vegetable dish / 1 meat dish / 1 Soup (Instant or steam soup), use chicken carcass, chicken feet & gizzards for soup). Reduce high meat diet. I marinate, steam & stir fried only 1 thigh for dinner for 1 person. Good amount of vegetable green, I seldom eat fruit but only eat at discount, if I feel like eating fruit. Use electric to cook and 1 tank lpg (standby). Don't be surprise food cost is high. Home beverage, no pack milk, use full cream milk powder for your beverage (Horlicks, Milo, Coffee, Milk Tea, Oats). No cinema, youtube movie free. Good Breakfast /lunch / dinner Meal. Spegethi (hair line thin) is great savings for me. One bottle sauce, I can make a big wok of sauce, measure each meal 1.5 rice bowl pack freezer. Side ingredients to put, I don't mind no mince meat. Frozen pack pork balls are great. Only eat each meal take out. Dry black ear fungus (soft type) soak & aside, soak dry shitake mushrooms in boil water (use water for cooking sauce), cut slices thinly, 2 large red onion diced, egg plant fries cut size (de-skin, oil pan fried cook aside). Seasoning: brown palm sugar (good amount, to taste), oyster sauce, chicken powder, Mince garlic stir fried till near golden (aside), tomato ketchup (to taste), 2 to 4 diced large ripe tomato. Cook Method. Mince garlic & oil, put in diced onion, shitake, black fungus, diced tomato, spegethi sauce,marinated palm sugar, seasoning to taste (light soy sauce, oyster sauce, chicken powder, ketchup....) good amount of water (thickness desire). Little starch if needed. Another noodle sauce I am good at is Oyster Sauce Dry Shitake Mince Meat, diced onion sauce. Seasoning same, only 1 add abalone sauce for a inner natural sweetness. Ingredients similar spegethi tomato sauce (only without tomato). 1 big wok sauce measure 1.5 rice bowl sauce pack in freezer.

[@BinkyTheGoddessDivine]

Secret #1: Japanese don't have kids. Right there you just already saved yourself, $300,000. Google it. They're the country with the least amount of children born each year, and a plunging birthrate which has been described by their PM as an existential crisis. Japan's population of 125 MIL, only 800,000 babies were born in 2022.

[@sugarbydesign]

watching this and im slowly realizing i accidentally reinvented this method in my various finance trackers lol. thank you for the video!

[@pingupenguin2474]

Love this, good to see this aproach to personal finances getting an airing. I've been taking this approach since the 1970's. It used to be called " Count your wages, pay ( or set aside for) that months bills, put something into a savings account, and the rest is what you have left to spend on other things" Nice to have the Japanese name for it, and a budget sheet to match !!! PS whose the creepy looking guy on the right, near the end, that appears for a few seconds ?!

[@Locomaid]

Additional questions: how will I maintain it, how will I store it, how will I dispose of it. Good stuff, Vincent! Arigato gozeimas

[@gem3132]

Thanks!

[@tokyojon4344]

Vincent, I just found your channel, and like it a lot. Just subscribed, and do appreciate your content. I myself live in Tokyo. Unfortunately, this video is not entirely accurate. I save a lot, and I do mean A LOT of money while living here in Japan. The reasons are far more pragmatic than what you state. I will give a few reasons for this. 1. I use the public transportation (AKA: The Trains) to travel across the country. I can go from one end of Tokyo to the other end for around $2 each way. This means that I do not have a car or related expenses (as gas, taxes, maintenance, insurance, wear and tare, parking, depreciation, etc.) Also, the way I set this up, my employer pays for all my monthly train expenses. 2. I have no health insurance expenses. Japan has socialized healthcare, and it is wonderful and extremely cheap. I am going in two days to get my teeth professionally cleaned and it costs around $20. Last cavity filled was around $20. Had an MRI done at a cost of $80. How much would a a dental cleaning and cavity filled and MRI cost at your local hospital in the US?? I read that health insurance in the US for a family for four costs $1,500/month --- which to me is absolutely mind-blowing. 3. My rent in Tokyo costs 75000 yen a month, which is US $500. And, unlike the US my rent never increases. 4. Food is very cheap. I can get decent meal at a restaurant for around $10, no tipping needed (actually, no tipping is anywhere). 5. College education is again, not very expensive. You can still go to a public university for under $5000/year. 6. Credit cards are not as common here in Japan as it is in the US, and thus Japanese go not pay the exorbitantly high interest rates to banks. I can go on, but overall just so many advantages to living here in Tokyo than the US. Many of your examples of how Japanese supposedly plan ahead to not pay more than they need to, while cute is not accurate. Overall, Japanese people are terrible with money, just like Americans.

[@user-zm6yh3ux7l]

What works for me is putting any overtime pay or bonuses into a high-yield savings account and then putting several hundred dollars a month for my regular paycheck. If you get a raise at work, you just pretend like you didn't get it and let it go into savings. When making purchases for enjoyment always ask myself if I will use this product all the time, if the answer is no, I typically don't buy it. When it comes to vehicles, I'll pay them off and keep them until something goes so mechanically wrong that it cost more to fix then the vehicle is worth. People like to spend money to impress others but at the end of the day, having a nice vehicle that takes a big chunk of money out of your paycheck is just giving a lot of your money to a loan company. Not worth the trade-off for trying to impress people with your new fancy ride. Also, regarding food, me and my wife limit ourselves to $6 a day. We use the apps to do the ordering so we always get deals.

[@thefreedomguyuk]

But, are you happy ? If you die tomorrow, was it really worth living as frugally as you do ? Life is a celebration, so do enjoy it. Eat the desserts first, because you don't know tomorrow. Anyway, I own Porsche cars, and even though I rarely drive them, just looking at them sat in my driveway is making me happy every day ❤❤

[@Sakurasan2023]

Love the video 📹 ❤️

[@leewomack3498]

I don't have a savings goal. What I do is write all my bills on a legal pad, add those up, like rent, renters insurance, my norton 360, my phone, groceries and the friend who takes me grocery shopping each month since I don't have a car since it was stolen ten years ago. I figure that amount up, then subtract from what I get each month from my disability check. I usually have around 600.00 left over and take 100 for misc saving around 500. a month. I cut my cable, so I don't have that, but I do have medical bills since I had cancer, but I only make payments ea month on those.......so out of that hundred for misc I usually have twenty dollars " Mad " money to spend on whatever and saving the rest. 😊

[@ericacrossfitgirl728]

Just watched this one again 👍🏽 Which lender would you recommend, with typically low interest rates, for a personal loan to pay off some credit card debt in order to save money? Thanks in advance, Vincent!

[@D._.3NO]

KAKEIBO + KAISEN = KEY

[@frankthetank5013]

It’s called self control

[@paulkoop7042]

Great video, usual- Vincent. Other tricks I learned a long time ago, supposedly Japanese, were number one live below your means, and number two.l, pay yourself first, where the Japanese were known to pay themselves 20 to 40% of their income first, IE not just to a savings account but to a mutual fund, etc. Gradually building resources over time. Taking advantage of that compounding factor over many years.

[@JoelleFromParis]

I love that cultural is a whole category in itself!

[@nightslasher9384]

I know you won't read this but, thank you for giving me a tips in a sympathetic tone.

[@falsename2285]

@ 6:38 LMAO - I bought the entire The Office series on dvd specifically to save money on streaming services years ago. Still watch it regularly and saved roughly $10 for 3 or 4 years now, well worth it.

[@snapdragon2441]

I have an automatic direct debit from my checking account to a savings account each month. It’s only a small amount but the savings account can only be accessed once a year and has a fairly good interest rate all concerned at this moment in time.

[@durandus676]

i am from a midwestern family and the goal is to save as.close to 50%as possible

[@jlaux7]

9:23 Hope you enjoyed Kyoto!

[@londonstannow1103]

Get a full time job, beg your parents to live with them for free. Save every penny for 3 years. Now you got at least 100k saved. Bada bang

[@anthonyvaughn8960]

For entertainment I use a Nvidia shield and put a custom Kodi on it ( I pay $18 for 6 months but usually pay for a whole year $36) This will give ya access to all streaming service plus ALOT more.... Can also use a fire stick as well but will be slower to use.

[@zerokool-2058]

I still use cash for almost everything. Besides a few expenses. Gas, groceries, vacation, wants, fun, and the occasional coffee when I'm out. Pretty much anything that is not car payment (almost done) and insurance, Netflix, internet, rent. Everything else is in cash. Makes it easier to look and say eh I dont have the cash with me.

[@bethbovey7566]

Up 10% of any income directly into savings, it doesn't matter if you earn $100 or $1000, you dont miss it because it has never been in your hands.

[@TravelPortugalBrasilTPB]

Watching here until the end - first time here today. Hope to see you as well on my beautiful "home" 👍🤗🌞 thanks, waiting 👍

[@jealousofmypuddin]

Interesting. My problem is debt payments take a big chunk of my budget that could go to saving.

[@payel_das.5505]

Cool video! Id like to add that there are other investment options in businesses like cannafarm ltd as well.

[@ilyt0kyo49]

What has worked for me to help save at least is stop thinking of money as paper and more like time.

[@AlexandraElenaMarcu]

PAY YOURSELF FIRST :)) I did this for years but did not know kakeibo

[@jdmecarr]

Savings -- does this include sinking funds? Or does it have to be savings for retirement?

[@Lillith.]

To me, sinking funds are a way to allocate a bit of your income to a planned future expense, so don't count as savings. Long-term savings aren't necessarily for retirement though. An emergency fund is very much saving. The money you have saved is money you don't really plan on touching, but is there in case your really need it. If you want to classify it as savings nobody is stopping you. If it's money left over at the end of the month it's not wrong to call it savings.

[@anthonycockerham3026]

Forethought

[@dldldl4576]

Um, rent and mortgage can increase more than you'd like. That said, I like the point about controlling impulse purchases.

[@Shauneeful]

I’ve been using this strategy unknowingly.😅

[@ladysparkymartin]

Me too, I think 😊

[@connienatale7886]

Are bonuses taxed at a higher rate?

[@fictitiousnightmares]

So in other words they use a budget to know where there money is going and control it. Imagine that. Big secret.

[@joflo63]

The food can look back at you and say "seriously "😂😂

[@davidedwards7835]

Where can I buy that computer screen.

[@akiraYTV]

In Japan rn 🇯🇵🔥

[@guygeezer1468]

Cultural Expenses is an odd category to single out. How is it different from Entertainment?

[@daviddesmondlee]

TL;DW - A budget sheet.

[@MerryMerino]

So cash budgeting and cash stuffing

[@davidfolts5893]

Amazing that Bruce Lee could do one-finger push-ups; me, not so much.😀 Thanks for the great content!

[@bonnie8797]

Tried to do as asked in Canada no email

[@pavolkoren5335]

Watch your hands !!!

[@lizharley5723]

Life was easier when we used cash and wrote cheques and had bank books which could be updated anytime.

[@christabellahimbazwa3933]

First I need to get that income😌

[@SparkleP8nter]

And when you're income is half what you're expenses are? Then how do you save? I'm Disabled. so im on a fixed budget. My income is the same as my rent... Then i have other bills on top of it... I hsve $1500 expenses with a $900 income and $900 rent... 😭

[@MsKateC2K]

Actually if you want to learn to save from any country, Chinese and Singaporeans have the highest saving rates in the world at well over 40% even in times of economic difficulty. I'm surprised you don't mention that as an ethnic Chinese person yourself haha

[@youknowwithMartyKauffman]

Hey fast and the furious will always count because it’s about family

[@elpelazo]

Today I spent 120€ on cool things like a mad man . Money is made to enjoy before die

[@Cunningstunts23]

50/30/20. Needs/Wants/Savings It’s really that easy

[@ermias75ermis2]

Sadly my expenses overshadow my income so at this time the system is not useful to me.

[@donaldlyons17]

Yep, but for someone like him that is not the issue....

[@ermias75ermis2]

@@frankthefkintank Yes since my expenses cannot be dispensed or ignored.They are not luxury expenses or the kind that can be postponed .