【理財】深受日本女生歡迎「Kakeibo理財法」 只需問4個問題無痛節省35%開支

文: 王庭芝
2020.09.30

不少打工仔常常抱怨儲不到錢,但如果找對方法,儲錢其實都未必太難,在日本有一種傳統又簡單的理財方法名為「Kakeibo理財法」,有知名理財博客指這個方法如果運用得宜可幫你慳到達35%開支,想無痛儲蓄的月光族可以參考一下!

Kakeibo」的讀音是「Kah-keh-bo」,即是日文「家計簿」的意思,它是由日本首名女記者羽仁元子在1904年所創的,此後深受日本婦女推崇,因為當時的女性多數是家庭主婦,要管理家中收支,而「Kakeibo」就可以幫主婦們更有效控制每月開支。

在開始規劃開支前所需工具只有一本簿和一支筆,所謂的Kakeibo理財法」就是要問自己4個問題:

1) 你現時有幾多錢?

 即是記錄每月收入有幾多

 

2) 你想儲幾多錢?

 如果覺得每月都要儲錢實在十分困難,就儘量不要將目標定得太高,亦容許自己有調整的空間

 

3) 花多少錢?(可以將開支分成4類別)

  必須開支:食物、稅項、交通費、供保險等

  文娛開支:睇戲、睇騷、Netflix買書等

  選擇性開支:一些非須而你選去做的事如外出用膳、外賣等

  額外開支:一些不定期或意外的開支如慶祝生日、家居裝修電器維修等


4) 可以如何改善?

 要問自己有沒哪方面使費過多下個月能否改變你的消費模式?

 

當每月結束,你可看看自己有否達,如,就要找出原因,詳各個類別的開支,再檢討有沒有可以削減開支的空間,從而轉為儲蓄,下一個月再看看能否達標。外國知名理財博客Moni Ninja表示使用Kakeibo理財法」之後有效節省35%的開支,慳到金錢就可以作為你的儲蓄。


來源:dailymail

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