# 4 Hábitos Japoneses para ORDENAR tus Finanzas (sin ganar más)

## Метаданные

- **Канал:** Aprendiz Financiero
- **YouTube:** https://www.youtube.com/watch?v=E9A1mplNOeA
- **Источник:** https://ekstraktznaniy.ru/video/28282

## Транскрипт

### Segment 1 (00:00 - 04:00) []

How to save more without earning more money? Check out these four Japanese habits to declutter and improve your financial situation. When Laura arrived at the office that Monday, she had the face of someone who had just checked her balance and thought, "Where did my money go? " She sat down in front of her computer, but couldn't help but let out a sigh. "Everything alright? " asked Kenji, his desk mate. Laura laughed nervously. Yes, [laughs] I mean, good. I'm just trying to save money, and it feels like my money has a knack for disappearing. Kenji nodded as if he understood perfectly. In Japan there are simple habits that help with this, you know? Laura turned around in her chair, curious. Hmm, like what is it? Kenji opened a small notebook with pages marked as if it were his secret map. Here I list my expenses. But the most important thing is not to write them down, it's the question that comes next. Was this necessary? It's called kakebo. It's like a household account book. Laura frowned. But I already check my expenses at the bank. Looking at them is not the same as reflecting on them. It's about learning how you act. To begin, you can do something simple. First, define your savings goal. Second, divide your expenses into three categories: needs, leisure, and unexpected expenses. Third, do a weekly review, that is, ask yourself where the money went this week. Laura was left thinking, I mean, it's not just about pointing, it's about understanding my pattern. Exact. Kenji said. Kakebo teaches you to manage your money, not to chase it. Habit number one, keep a household account book. Kenji put away the notebook and picked up his cup of coffee. The second habit is more cultural. Might. Laura raised her eyebrows. And what does it mean? It's like saying, "What a shame to waste this. In real life, this translates to repairing before replacing, buying less but better quality, and above all, taking care of what you already have. " Laura smiled, a little embarrassed. I change things ahead of time. They 're not broken, they're just not new. Kenji nodded. Motai, I'll change the question. It's not about deserving it, but about truly needing it and taking care of it. Habit number two, avoid waste and take care of what you already have. Kenji looked at the computer calendar as if he were remembering something important. Third, checking. Disciplined saving. Save even a little? Laura asked. Yes. In Japan, saving first is very common. I automate it. On the day I get paid, the bank transfers a fixed amount of my salary to another account. Laura leaned towards him. "Oh, it does n't hurt," Kenji smiled. I learned something simple. If you don't see it in your account, you don't spend it. And it's very rewarding to see your savings grow every month. Habit number three, save first and consistently. Laura was already fully engaged in the conversation. Okay. And what do I do if I spend terribly one month? He thought for a moment that Kenji would be shocked, but he said, "Relax, that's where Kaizen comes in, continuous improvement. I don't seek perfection in my finances, I seek to improve 1% every month. " Kenji explained that at the end of the month he asks himself very simple questions. What expense gave me the most value this month and what expense was a leak? And based on that, choose a single adjustment for the next month. Just one. Laura opened her eyes. I like that because I try to change everything and I don't change anything. Exact. Kaisen is small but consistent. Habit number four, improve 1% every month. Kenji took out his notebook again and showed her a note along with categories. I didn't tell you before, but I budget by the envelope. Envelopes. "How cash? " Laura asked. It can be cash or digital envelopes. It's about assigning a fixed amount to spending categories and not exceeding it. It works very well with the Kakebo method. Laura began to review in her head everything she had learned today and looked at Kenji with gratitude. When they returned to work, Laura said something that came from her heart. Kenji, I'm sure you've spent a lot on courses, books and all that to learn. Kenji shook his head. Not so much. I listen to a lot of audiobooks. The one that helped me the most was atomic habits. Laura looked at him with interest. And does it really work? Yes, because in the end, saving and building wealth is a matter of your habits, and you don't need to wait until you get paid to start. Your first audiobook on Audible is free. In this other video I show you step by step how to download it.