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The Four Categories

The Four Categories

  • General: These are your regular household expenditures like housing, food, transportation, medical care, internet, and phone connections, animal care, and childcare.
  • Leisure: These are things like Netflix, shopping, online shopping, parties, gifts, etc. Think of these as the things you enjoy, but don't necessarily need.
  • Culture: Capture those things that enrich your life here. Maybe it's a subscription to a newspaper or magazine, perhaps it's your regular haircut or nail appointment.
  • Unexpected Costs: This is the stuff that comes up unexpectedly that we all need to pay for.


836 reads


The Bottom Line

Budgeting poses a distinct challenge for almost everyone. It's uncomfortable, forces us to face a lot of our preconceived notions, and tests our learned behaviour as consumers. There are many different kinds of budgeting styles and tools out there, but you don't need new-fangled tools, apps, or e...


596 reads

Track Your Spending and Assess

Track Your Spending and Assess

At the end of each week, you check your balances against your goals. At the end of the month, you look back at where you ended up in relation to your goals in each category and ask yourself where you can do better.

We've become so accustomed to immediate gratification these days. Kakeibo as...


573 reads

Kakeibo: Ask Yourself

Kakeibo: Ask Yourself

The following questions are designed to invite self-reflection and help you decide if an expense is “worth it.”

  • Do I actually need this? Will it be useful, and does it make me excited?
  • Do I have the space for this? Will it have a place in my life or home?
  • Based on my cu...


643 reads

Kakeibo: Managing Your Money Like The Japanese

Kakeibo: Managing Your Money Like The Japanese

Kakeibo is an old Japanese form of budgeting that has become en vogue thanks to an increased focus on incorporating mindfulness into all aspects of our lives. It offers a simple, no-nonsense way to get your spending under control.

The system was developed in 1904 by a female journa...


1.25K reads

Break Your Spending Into Categories and Getting Financially Naked

Break Your Spending Into Categories and Getting Financially Naked

Once you have tracked your expenditures for a month, you can break spending into categories. The key to kakeibo is tracking it all with a basic pen and paper, rather than using any kind of app. Why?


832 reads

How to Use Kakeibo

How to Use Kakeibo

At the heart of kakeibo is journaling or documenting your income and spending. Since the process predates smartphones and computers, it relies on old-fashioned pen and paper technology.

Life goals and financial goals are related, and once we start to connect financial life with overall life...


1.19K reads

Track Your Spending for A Month

Track Your Spending for A Month

The first step in kakeibo, much like any mindfulness work, is to become aware of what's actually happening to your finances. This means keeping detailed track of your spending for a set period. Most financial experts, like Liu, recommend tracking expenses and income for at least a month before se...


952 reads

Set Your Goals

Set Your Goals

Once you have an idea of where your money goes over a month, you can set your goals. What do you want to achieve with your money? What's your timeline for achieving your goals? 

Whatever your goals are, set a number and a timeline for them and write it down. You can then divide that number ...


632 reads




"My adversary is the world of finance." ~ Francois Hollande

Mindful spending.


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