Today I would like to share a budget and inventory invented by Japanese people. It is called Ka Che Bo.

In the early part of the 20th century, the Japanese government campaigned for the public to adopt the technique of saving money.

The direct translation of Cacheboy is "Household Accounts".

Here are some steps you can take to begin the process of preparation for mediation. If you have a blank book, you can follow it.


Step 1

At this stage, you need to make a rough reservation for one year.

You need to write down your annual income estimate for this year. It is easy to calculate for employees with regular income, but it can be difficult for some. Make an approximate estimate based on previous income situation.

You have to estimate the expenditures. What about the end of the month? Once a year you have to write down what you spend. What you spend once a year or once a month before the end of the month? Travel expenses Donation Wedding gifts

Then write down how much you want to save this year and what you can do to save. For example, looking for a better-paying job; I will eat less betel nut. I will reduce gambling. Reduce the purchase of foreign food.


Step 2

You need to make a monthly list for this month. How much will you earn this month? Estimate how much you will spend. When estimating expenditures, consider only the basic costs involved. For example, rent; Meter fee Taxes for this month Debts and so on. Do not take into account other expenses.

Subtract the revenue estimate from the income and you get the extra cash. (If the surplus is negative, you need to increase your income.) How much of the surplus will you save? Write down what you want to save for.

After deducting the savings from the surplus, the rest can be used as general expenses. Follow Step 3 to find out how to use that balance.


Step 3

How much can you spend per day, depending on your balance? Now you can calculate how much you can use per week. You also need to write down what you spend on each day and how much you spend on it. Is it really necessary? Do you want to? Social? Divide it into groups, such as "Did it run out unexpectedly?"

Income must be determined in the same way.


Step 4

At the end of the month, do you save as much as you want by adding up your income and expenses? Where are the money leaks? Where to cut spending next month? Find out where to fix it. Then work from the bottom of the list eliminating issues that aren't worth the fight. Go back to step 2 to budget for next month.

At the end of the year, look at the income statement and see if it is in line with the forecast in Step 1. We need to consider what needs to be fixed.

Estimating costs; It's not easy to comment on each one, but if you use this method, you will see unnoticed money leaks. Before the silver ship sinks, find money leaks and repair them.