And you dream of saving? Do you think that skill is not inscribed in your DNA or that your payroll is too low to allow you the luxury of allocating part of your income to savings?
Why do the Japanese manage to save more than the rest of the world?
The truth is that in recent years we all dream of a small plot of untouchable money that increases happily as the months go by. But, luckily, we know ways to knock out spending with systems like the Kakebo that sounds very, but very lethal to the expense, right?
In fact, according to a survey, 45 percent of Spaniards fail to save beyond one hundred euros per month. A very poor amount that puts us far from what is advisable to face eventualities.
But this talent for saving is present in cultures such as Japanese where a method like Kakebo, established a century ago, shows hopeful results given that those who apply it manage to save a negligible 25 percent of the payroll.
One Motoko Hani, considered the first journalist in the country, devised this system in 1904 and disseminated its excellence through the women’s magazine she edited called ‘The companion of women’.
Next, and given the popularity of the edition, the Kakebo method was installed in domestic finance. And what did he propose? Well, the simple idea of establishing the current income and expenses of the month, in addition to the additional ones that were soon revealed – or not – as mere whims or unnecessary burdens that ate much of the budget.
To make matters worse, the woman who managed to save, obtained liquidity to cover a certain independence. Recall that the female gender rarely worked and devoted herself to household chores, in addition to the administration of domestic finances with the salary paid by the spouse. Therefore, the woman welcomed the Kakebo method with an unusual joy and practically threw herself into the arms of this savior of the savings that offered her independence wishes.
Of course, in the middle of 2014, this system ended up knocking on the doors of Spain taking advantage of the bad economic situation that made us open our eyes like dishes before any invention to save. Thus, we had it apoltronado on the shelves of the novelties section of the bookstores under the suggestive title of ‘The Kakebo, account book for domestic savings’. Its introduction in the Spanish publishing market was carried out by Blackie Books, whose success resulted in more than 15,000 copies sold.
The manual continues its successful journey and it is already possible to find it in a pocket edition, as well as complemented with a plastic cover and in full color. All a ‘fly’ for the publishing house – if we are allowed the expression – that promises to take us to the sky of saving.
In this way, despite the fact that our predecessors knew how to save and dedicate a small amount to deal with the unexpected factor of life, many of us have lost that capacity and, behold, the crisis has come to show us that path already forgotten with manuals such as aforementioned.
But the cautious reader can also be soaked with advice such as those of María Pilar Amela Gasulla, founder of the Ahorradoras website, and that she has launched a book for savings ninjas with the Grijalbo label that shares the same title on her website.
This volume includes guidelines to be safe from economic disasters and echoes a fun and efficient system to knead a small fortune with which to pay for our vacations or whatever we want. It is called ‘The challenge of 52 weeks’, which has a year, and proposes to reserve a euro in week one, two in the second week and so on until we set ourselves at the goal of 52 and if we have done well the duties, we will wake up with a total of 1,352 to our credit ready to fulfill our designs.
With a philosophy similar to that of Kakebo applications proliferate to treasure a small amount every month.
In fact, the list of technological assistants for the task does not stop: Fintonic, Levelmoney, Billguard or Santa’s Bag.
The latter specially designed to deal with the tremendous Christmas spending and the well-known gifts. Not surprisingly, this application helps to create a specific budget for each person and even suggests possible gifts based on that amount.
However, the tricks to economize and almost Napoleonic strategies to evade wastefulness are increasingly specialized and not limited to simple accounting of income and expenses, but also sniff the gas station that offers a cheaper price to the customer.
In this line, Gasolineras España is registered, which uses the data of the Ministry of Industry and after taking a look at your position in the GPS, it advises you where to refuel at a small fee.
Not to mention those whose development is that you save on the electricity bill. Thus, we have Light + Price that allows to know the updated cost of the kilowatt and to program alerts. The same end to the one described follows Mirubee.
Of course, saving has become the new currency of our times and even educational programs are opened in order to unravel the secrets of this healthy tradition that we lost during the bonanza and which we now recover.
With such a deployment of applications and manuals, we end up feeling that the one who doesn’t save is because he doesn’t want to, right? Although it is often impossible to dominate the beast of spending and saving, therefore, it is revealed as a chimera.
For these titanic struggles , rapid credits arise , the procedure of which is simple and their approval does not take more than a few hours. In fact, with the purpose that you can compare and evaluate the advantages of each other, in this comparator you will be able to find the little hero who will take you out of that punctual mess.