家計簿 · Household account book

Kakeibo Monthly Journal

Motoko Hani's 1904 method: one monthly session of honest reflection. Set your intention, track four categories over four weeks, then answer four questions at month end.

June 2026

① Month Setup

Monthly take-home income

Fixed expenses (rent, utilities, subscriptions)

Available to spend this month

Savings goal for this month

What is one financial intention for this month?

② Weekly Expense Tracker

③ Month End Reflection

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

2. How much did I actually spend?

3. How much did I save or put toward debt?

4. How can I improve next month?

④ Month Summary

■ Spent ■ Saved / Debt ■ Remaining

Income

Biggest category

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vs Last month

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