Kakeibo Journal

家計簿 · The Japanese Art of Mindful Budgeting

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Month:

Year:

START OF MONTH — FOUR QUESTIONS

1. How much money do I have available this month?

2. How much would I like to save?

3. How much do I expect to spend?

4. How can I improve compared to last month?

INCOME (収入)

Date	Source	Amount
___/___		$__________
___/___		$__________
___/___		$__________
___/___		$__________
___/___		$__________
Total Income		$__________

FIXED EXPENSES (固定費)

Expense	Amount
Rent / Mortgage	$__________
Utilities	$__________
Insurance	$__________
Phone / Internet	$__________
Subscriptions	$__________
Other Fixed	$__________
Total Fixed Expenses	$__________

SAVINGS GOAL (貯蓄目標)

Total Income

Fixed Expenses

I want to save

Available for variable spending = Income − Fixed − Savings goal

Page 1 of 6 · kakeibo-templates.com

DAILY EXPENSE LOG

家計簿 — Week 1

Month:

N = NeedsW = WantsC = CultureU = Unexpected

Date	Cat.	Planned?	Amount
___/___	___	Y☐N☐	$______
___/___	___	Y☐N☐	$______
___/___	___	Y☐N☐	$______
___/___	___	Y☐N☐	$______
___/___	___	Y☐N☐	$______
___/___	___	Y☐N☐	$______
___/___	___	Y☐N☐	$______
___/___	___	Y☐N☐	$______
___/___	___	Y☐N☐	$______
___/___	___	Y☐N☐	$______
___/___	___	Y☐N☐	$______
___/___	___	Y☐N☐	$______
___/___	___	Y☐N☐	$______
___/___	___	Y☐N☐	$______
___/___	___	Y☐N☐	$______
___/___	___	Y☐N☐	$______
___/___	___	Y☐N☐	$______
___/___	___	Y☐N☐	$______

WEEKLY TOTALS

NEEDS

WANTS

CULTURE

UNEXPECTED

WEEKLY REFLECTION

What spending felt worthwhile this week?

What was automatic or impulsive?

What will I change next week?

Page 2 of 6 · kakeibo-templates.com

DAILY EXPENSE LOG

家計簿 — Week 2

Month:

N = NeedsW = WantsC = CultureU = Unexpected

Date	Cat.	Planned?	Amount
___/___	___	Y☐N☐	$______
___/___	___	Y☐N☐	$______
___/___	___	Y☐N☐	$______
___/___	___	Y☐N☐	$______
___/___	___	Y☐N☐	$______
___/___	___	Y☐N☐	$______
___/___	___	Y☐N☐	$______
___/___	___	Y☐N☐	$______
___/___	___	Y☐N☐	$______
___/___	___	Y☐N☐	$______
___/___	___	Y☐N☐	$______
___/___	___	Y☐N☐	$______
___/___	___	Y☐N☐	$______
___/___	___	Y☐N☐	$______
___/___	___	Y☐N☐	$______
___/___	___	Y☐N☐	$______
___/___	___	Y☐N☐	$______
___/___	___	Y☐N☐	$______

WEEKLY TOTALS

NEEDS

WANTS

CULTURE

UNEXPECTED

WEEKLY REFLECTION

What spending felt worthwhile this week?

What was automatic or impulsive?

What will I change next week?

Page 3 of 6 · kakeibo-templates.com

DAILY EXPENSE LOG

家計簿 — Week 3

Month:

N = NeedsW = WantsC = CultureU = Unexpected

Date	Cat.	Planned?	Amount
___/___	___	Y☐N☐	$______
___/___	___	Y☐N☐	$______
___/___	___	Y☐N☐	$______
___/___	___	Y☐N☐	$______
___/___	___	Y☐N☐	$______
___/___	___	Y☐N☐	$______
___/___	___	Y☐N☐	$______
___/___	___	Y☐N☐	$______
___/___	___	Y☐N☐	$______
___/___	___	Y☐N☐	$______
___/___	___	Y☐N☐	$______
___/___	___	Y☐N☐	$______
___/___	___	Y☐N☐	$______
___/___	___	Y☐N☐	$______
___/___	___	Y☐N☐	$______
___/___	___	Y☐N☐	$______
___/___	___	Y☐N☐	$______
___/___	___	Y☐N☐	$______

WEEKLY TOTALS

NEEDS

WANTS

CULTURE

UNEXPECTED

WEEKLY REFLECTION

What spending felt worthwhile this week?

What was automatic or impulsive?

What will I change next week?

Page 4 of 6 · kakeibo-templates.com

DAILY EXPENSE LOG

家計簿 — Week 4

Month:

N = NeedsW = WantsC = CultureU = Unexpected

Date	Cat.	Planned?	Amount
___/___	___	Y☐N☐	$______
___/___	___	Y☐N☐	$______
___/___	___	Y☐N☐	$______
___/___	___	Y☐N☐	$______
___/___	___	Y☐N☐	$______
___/___	___	Y☐N☐	$______
___/___	___	Y☐N☐	$______
___/___	___	Y☐N☐	$______
___/___	___	Y☐N☐	$______
___/___	___	Y☐N☐	$______
___/___	___	Y☐N☐	$______
___/___	___	Y☐N☐	$______
___/___	___	Y☐N☐	$______
___/___	___	Y☐N☐	$______
___/___	___	Y☐N☐	$______
___/___	___	Y☐N☐	$______
___/___	___	Y☐N☐	$______
___/___	___	Y☐N☐	$______

WEEKLY TOTALS

NEEDS

WANTS

CULTURE

UNEXPECTED

WEEKLY REFLECTION

What spending felt worthwhile this week?

What was automatic or impulsive?

What will I change next week?

Page 5 of 6 · kakeibo-templates.com

MONTHLY REFLECTION

家計簿 · End of Month Review

SPENDING TOTALS

NEEDS (生活費)

Month Total:

WANTS (娯楽費)

Month Total:

CULTURE (自己投資)

Month Total:

UNEXPECTED (その他)

Month Total:

SUMMARY

Total Income$__________

– Fixed Expenses$__________

– Variable Spending (N+W+C+U)$__________

= Amount Saved$__________

Savings goal reached?Yes ☐No ☐

END OF MONTH — FOUR QUESTIONS

1. How much money did I have available?

2. How much did I actually save?

3. How much did I spend in total?

4. How can I improve next month?

Best purchase this month

Purchase I regret

One rule for next month

Page 6 of 6 · Free printable from kakeibo-templates.com