Sunday , 8 December 2019
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Budget Planner Perfect for 2018 – Kakebo – from Japan to UK

2018 has just started and potentially every other person is trying to come up with NY resolutions. I don’t normally do that as IMHO you can try to change/learn/travel/save money etc every month. You don’t need to wait till the beginning of the new year to start changing things..every moment is good for that….

2018 Budget Journal


So last year I had my 12 resolutions for 2017 but when reading them now how many did I actually stick to? Wow – 10 out of 12 – not bad I suppose. I failed only with not signing up for the mystery shopping and not selling unwanted belongings but considering that 2017 was a mad year with an unexpected house purchase I can live with myself failing 2 out of 12 resolutions as it still gives me pretty good score…

This year however I am going to do something else. I am going to be more offline than online and for that reason I am going to use a budgeting journal. I am going to follow Japanese art of saving money called: Kakebo

Kakebo Journal 6.99 WHSmith or Amazon

Did you know that Abraham Lincoln was in debt in early 1840 and his solution to recovering from it was exactly when cutting down on many expenses he had..

Kakebo is perfect for me as it is a recipe for decluttering the finances when applying minimalism (something I have been trying to master pre 2017 already).

Kakebo chart

Ok I am money saving girl, so you may say I do not need it – but I think that there is always a room for improvement, so here we are starting 2018 with a budgeting journal. I will plan my month ahead to be more mindful about my money.

As per Japanese people beliefs  tidiness in one’s finances is as important as tidiness in one’s house.  Saving money with Kakebo isn’t about being stingy, it’s about working out what is most valuable for your well being. Kakebo author claims that kakebo is the act of thinking mindfully about where one’s money goes.

What is high on my wellbeing list in 2018?

    1. Good food is definitely very high up on my list as I believe you can live well for less– I am very much interested in eating quality food, food which is healthy as I don’t see any point in buying cheap processed food. In my opinion that’s not saving money but deceiving your body and no good will come out of it in the elderly age…
    2. Books – I love reading so I keep using free Kindle Library (as an Amazon Prime member I am entitled to 1 free book per month) to get 1 free book per month, saving that way on my Amazon spend. I keep doing Google Opinion Reward surveys from time to time and using the money in Play store for books.
    3. Traveling – whenever I am free I try to go away, so I hope to keep up this trend in 2018. I haven’t planned any cheap holidays yet but I will keep checking Holiday Pirates for some amazing deals.

And what are yours 2018 resolutions/plans/goals? Do you have any? Feel free to comment below 🙂

About admin

Hi, I am Martyna aka Money Saving Girl. I am an expert in saving money, travelling around the world cheaply or for free and getting the cheapest insurance available.

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  1. Hi,
    I have been looking in to doing this but cant seem to find any planners in English. May i ask where you obtained yours from, please?

    Many Thanks

  2. WHSmith, there are some on Amazon as well.

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