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The Kakebo Method: The Japanese technique for stress-free saving
📂 Savings

The Kakebo Method: The Japanese technique for stress-free saving

⏱ Read time: 7 min 📅 Published: 24/02/2026

💡 Quick Tip

Master the Japanese art of personal financial management. Kakebo is a lifestyle philosophy that helps you naturally save up to 25% of your annual income.

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What is Kakebo?

Invented in 1904, Kakebo is a domestic account book based on manual writing to encourage reflection on spending.

4 Key Questions

  1. How much have you saved?
  2. How much would you have liked to save?
  3. How much are you actually spending?
  4. How can you improve next month?

📊 Practical Example

Practical example

With €1,600 income: Survival €900, Leisure €300. By tracking, you realize leisure is too high and limit it to €200, saving €100 easily.