Step 2: Save Before You Spend
Allocate a portion to savings first, then budget expenses
Divide the remainder into 4 categories:
Survival (food, bills)
Optional (eating out, fun)
Culture (learning, books)
Extra (gifts, emergencies)
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Kakeibo - Traditional Japanese budgeting method focused on mindfulness, self-reflection, and intentional spending Helps achieve financial stability and faster savings through disciplined tracking
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