Vsak mesec se tudi vam verjetno zgodi, da zapravite več, kot ste pričakovali, da boste. Verjetno niti ne veste, na kaj ste zapravili denar. Kakeibo – metoda varčevanja, ki jo moraš preizkusiti, bo spremenila vaše navade, in sicer naj bi z njo privarčevali več tisoč evrov. Vredno je poskusiti.

Kakeibo: The Japanese Art of Saving Money je knjiga, ki je popolnoma obnorela svet. Ni niti nenavadno, saj je v njej zapisano, kako prihraniti čim več denarja.

Ime metode je zanimivo, koncept še bolj, saj gre re za 100-letno kombinacijo ‘bullet journalinga’ in finančne pozornosti.

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There's a Japanese art to everything, including how to save up for a house! It's called #kakeibo, and it's catching on for good reason: It claims to help people save more than one-third of their income— which could add up to a down payment on a house pretty quick.⠀ ⠀ Pronounced kah-keh-boh (which means "household financial ledger"), the term and practice was invented in 1904 by Hani Motoko, purportedly Japan’s first female journalist, to help manage household budgets. While the practice is common in Japan, the newly published English translation of the book "Kakeibo: The Japanese Art of Saving Money," by Fumiko Chiba, is currently selling like hotcakes here in the States.⠀ ⠀ Kakeibo promises to help those who follow it save about 35% of their income every month. If you're interested in amassing this sizable chunk of change to buy a house (or, say, overhaul your kitchen), click the link in my bio to find out how kakeibo works, as well as how you can adopt these same habits in your own life.⠀ ⠀ ⠀ ⠀ #mortgageloans #mortgages #mortgage #realestate #realtor #realestateagent #firsttimehomebuyer #mortgageterms #mortgagetips #homeowner #homeownership #property #preapproved #lending #lender #financing #refinance #borrower #firsttimebuyer #forsale #homebuyer #househunting #renter #cleartoclose #settlement #settlementday #home #house #savemoney

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Kakeibo – metoda varčevanja, ki jo moraš preizkusiti, je takšna:

1. Na začetku meseca zapišite svoje fiksne stroške in dohodke. Razlika vam bo pokazala, koliko denarja imate na voljo za preostanek meseca.
2. Ocenite vsoto denarja, ki jo želite prihraniti v mesecu, in jo dajte na stran. To je vsota, na katero morate pozabiti in se je ne smete dotakniti med tedenskimi izdatki.
3. Porabo razdelite na štiri kategorije:

  • preživetje (gre za najpomembnejše stvari, ki so nujne za vaš obstoj)
  • neobvezno (stvari, ki niso nujne, ampak jih lahko kupite)
  • kultura
  • dodatno (stvari, za katere niste pričakovali, da jih boste kupili).

4. Zastavite si realne cilje.
5. Zastavite si obljube.

Zastavite si štiri vprašanja.

Vsak mesec si morate zastaviti tudi štiri vprašanja:

  • Koliko denarja imam?
  • Koliko denarja želim zapraviti?
  • Koliko dejansko zapravljam?
  • Kakšne izboljšave lahko naredim?

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