{"id":1553,"date":"2021-09-10T13:39:54","date_gmt":"2021-09-10T05:39:54","guid":{"rendered":"https:\/\/alwahidaismail.com\/blog\/?p=1553"},"modified":"2021-09-13T13:25:14","modified_gmt":"2021-09-13T05:25:14","slug":"kakeibo-mengenali-kaedah-belanjawan-jepun-bahagian-1","status":"publish","type":"post","link":"https:\/\/alwahidaismail.com\/blog\/kakeibo-mengenali-kaedah-belanjawan-jepun-bahagian-1\/","title":{"rendered":"Kakeibo: Mengenali Kaedah Belanjawan Jepun (Bahagian 1)"},"content":{"rendered":"\n<figure class=\"wp-block-image size-large\"><img loading=\"lazy\" decoding=\"async\" width=\"1024\" height=\"682\" src=\"https:\/\/alwahidaismail.com\/blog\/wp-content\/uploads\/2021\/09\/ezgif-3-976fff4877de-1024x682.jpg\" alt=\"\" class=\"wp-image-1555\" srcset=\"https:\/\/alwahidaismail.com\/blog\/wp-content\/uploads\/2021\/09\/ezgif-3-976fff4877de-1024x682.jpg 1024w, https:\/\/alwahidaismail.com\/blog\/wp-content\/uploads\/2021\/09\/ezgif-3-976fff4877de-300x200.jpg 300w, https:\/\/alwahidaismail.com\/blog\/wp-content\/uploads\/2021\/09\/ezgif-3-976fff4877de-768x512.jpg 768w, https:\/\/alwahidaismail.com\/blog\/wp-content\/uploads\/2021\/09\/ezgif-3-976fff4877de-624x416.jpg 624w, https:\/\/alwahidaismail.com\/blog\/wp-content\/uploads\/2021\/09\/ezgif-3-976fff4877de.jpg 1040w\" sizes=\"auto, (max-width: 1024px) 100vw, 1024px\" \/><\/figure>\n\n\n\n<p>Kakeibo adalah falsafah kewangan yang berpusat pada perbelanjaan dan simpanan yang penuh perhatian, sengaja. <\/p>\n\n\n\n<p>Penganjur menjanjikan pengguna kakeibo dapat menjimatkan 35% untuk perbelanjaan bulanan. <\/p>\n\n\n\n<p>Walaupun tidak mencapai angka yang tepat, ianya dapat menjimatkan sejumlah wang tunai.<\/p>\n\n\n<p><iframe loading=\"lazy\" src=\"\/\/rcm-na.amazon-adsystem.com\/e\/cm?o=1&amp;p=49&amp;l=ur1&amp;category=clothingandshoes&amp;banner=0KGG5528RQ692034NDG2&amp;f=ifr&amp;linkID=a92a86c8569db7d3271619e761adf7d8&amp;t=alwahidaismai-20&amp;tracking_id=alwahidaismai-20\" scrolling=\"no\" border=\"0\" marginwidth=\"0\" style=\"border:none;\" width=\"300\" height=\"600\" frameborder=\"0\"><\/iframe><\/p>\n\n\n\n<p><strong>Apa Itu Kakeibo<\/strong><\/p>\n\n\n\n<figure class=\"wp-block-image size-large\"><img loading=\"lazy\" decoding=\"async\" width=\"1024\" height=\"768\" src=\"https:\/\/alwahidaismail.com\/blog\/wp-content\/uploads\/2021\/09\/Kakeibo.jpg\" alt=\"\" class=\"wp-image-1556\" srcset=\"https:\/\/alwahidaismail.com\/blog\/wp-content\/uploads\/2021\/09\/Kakeibo.jpg 1024w, https:\/\/alwahidaismail.com\/blog\/wp-content\/uploads\/2021\/09\/Kakeibo-300x225.jpg 300w, https:\/\/alwahidaismail.com\/blog\/wp-content\/uploads\/2021\/09\/Kakeibo-768x576.jpg 768w, https:\/\/alwahidaismail.com\/blog\/wp-content\/uploads\/2021\/09\/Kakeibo-624x468.jpg 624w, https:\/\/alwahidaismail.com\/blog\/wp-content\/uploads\/2021\/09\/Kakeibo-240x180.jpg 240w\" sizes=\"auto, (max-width: 1024px) 100vw, 1024px\" \/><\/figure>\n\n\n\n<p>Pengguna menjawab soalan dan menetapkan matlamat simpanan, kemudian mereka mengesan pembelian dan perbelanjaan mereka. <\/p>\n\n\n\n<p>Tidak ada muat turun, pautan akaun bank, atau pemberitahuan biasa dengan kakeibo. <\/p>\n\n\n\n<p>Ia direka untuk membantu anda memikirkan hubungan anda dengan wang dan memahami mengapa anda membuat setiap pembelian.<\/p>\n\n\n<p><iframe loading=\"lazy\" src=\"\/\/rcm-na.amazon-adsystem.com\/e\/cm?o=1&amp;p=48&amp;l=ur1&amp;category=kindle&amp;banner=1ND5GDH0AN4MW8BKGP82&amp;f=ifr&amp;linkID=41eaf82b110bd851397626dc029e72b7&amp;t=alwahidaismai-20&amp;tracking_id=alwahidaismai-20\" scrolling=\"no\" border=\"0\" marginwidth=\"0\" style=\"border:none;\" width=\"728\" height=\"90\" frameborder=\"0\"><\/iframe><\/p>\n\n\n\n<p><strong>Bagaimanakah Kakeibo Berfungsi<\/strong><\/p>\n\n\n\n<ol class=\"wp-block-list\"><li><strong><em>Dapatkan &#8220;ledger&#8221;<\/em><\/strong><\/li><\/ol>\n\n\n\n<figure class=\"wp-block-image size-large\"><img loading=\"lazy\" decoding=\"async\" width=\"540\" height=\"360\" src=\"https:\/\/alwahidaismail.com\/blog\/wp-content\/uploads\/2021\/09\/360_F_151191883_RCDCyQqEMuwojsqoAVPBvDzLsmU6nMO5.jpg\" alt=\"\" class=\"wp-image-1557\" srcset=\"https:\/\/alwahidaismail.com\/blog\/wp-content\/uploads\/2021\/09\/360_F_151191883_RCDCyQqEMuwojsqoAVPBvDzLsmU6nMO5.jpg 540w, https:\/\/alwahidaismail.com\/blog\/wp-content\/uploads\/2021\/09\/360_F_151191883_RCDCyQqEMuwojsqoAVPBvDzLsmU6nMO5-300x200.jpg 300w\" sizes=\"auto, (max-width: 540px) 100vw, 540px\" \/><\/figure>\n\n\n\n<p>Ingat sebatang pen dan kertas? <\/p>\n\n\n\n<p>Kakeibo tetap berpegang teguh pada awal abad ke-20 Jepun &#8211; ia memerlukan tulisan tangan fizikal.<\/p>\n\n\n\n<p><em>&#8220;Bulleted journal&#8221;<\/em> berfungsi dengan baik, tetapi mana-mana buku nota (atau sistem tulisan tangan yang boleh anda ikuti) akan berfungsi dengan baik.<\/p>\n\n\n<p><iframe loading=\"lazy\" src=\"\/\/rcm-na.amazon-adsystem.com\/e\/cm?o=1&amp;p=12&amp;l=ur1&amp;category=amzn_firetv_eg_101618&amp;banner=07Z1A8KKG3NGABM31PG2&amp;f=ifr&amp;linkID=be8e47d121095d4f77c3576f575041dc&amp;t=alwahidaismai-20&amp;tracking_id=alwahidaismai-20\" scrolling=\"no\" border=\"0\" marginwidth=\"0\" style=\"border:none;\" width=\"300\" height=\"250\" frameborder=\"0\"><\/iframe><\/p>\n\n\n\n<p><br>2. <strong><em>Hitung pendapatan bulanan anda dan tolak perbelanjaan tetap<\/em><\/strong><\/p>\n\n\n\n<figure class=\"wp-block-image size-large is-resized\"><img loading=\"lazy\" decoding=\"async\" src=\"https:\/\/alwahidaismail.com\/blog\/wp-content\/uploads\/2021\/09\/cover-1024x576.jpg\" alt=\"\" class=\"wp-image-1558\" width=\"549\" height=\"309\" srcset=\"https:\/\/alwahidaismail.com\/blog\/wp-content\/uploads\/2021\/09\/cover-1024x576.jpg 1024w, https:\/\/alwahidaismail.com\/blog\/wp-content\/uploads\/2021\/09\/cover-300x169.jpg 300w, https:\/\/alwahidaismail.com\/blog\/wp-content\/uploads\/2021\/09\/cover-768x432.jpg 768w, https:\/\/alwahidaismail.com\/blog\/wp-content\/uploads\/2021\/09\/cover-624x351.jpg 624w, https:\/\/alwahidaismail.com\/blog\/wp-content\/uploads\/2021\/09\/cover.jpg 1280w\" sizes=\"auto, (max-width: 549px) 100vw, 549px\" \/><\/figure>\n\n\n<div class=\"alignleft\">\n     <script type=\"text\/javascript\">\n       \tamzn_assoc_ad_type = \"banner\";\n\tamzn_assoc_marketplace = \"amazon\";\n\tamzn_assoc_region = \"US\";\n\tamzn_assoc_placement = \"assoc_banner_placement_default\";\n\tamzn_assoc_campaigns = \"kindle\";\n\tamzn_assoc_banner_type = \"category\";\n\tamzn_assoc_isresponsive = \"true\";\n\tamzn_assoc_banner_id = \"0PA4YRDT71B8KC02R2G2\";\n\tamzn_assoc_tracking_id = \"alwahidaismai-20\";\n\tamzn_assoc_linkid = \"d25b36225e898f0d2c2ee8572533daaf\";\n     <\/script><br \/>\n     <script src=\"\/\/z-na.amazon-adsystem.com\/widgets\/q?ServiceVersion=20070822&amp;Operation=GetScript&amp;ID=OneJS&amp;WS=1\"><\/script>\n    <\/div>\n\n\n\n<p><br>3. <strong><em>Tetapkan matlamat simpanan untuk bulan tersebut<\/em><\/strong><\/p>\n\n\n\n<figure class=\"wp-block-image size-large is-resized\"><img loading=\"lazy\" decoding=\"async\" src=\"https:\/\/alwahidaismail.com\/blog\/wp-content\/uploads\/2021\/09\/target-audience-A-preview.jpg\" alt=\"\" class=\"wp-image-1559\" width=\"542\" height=\"375\" srcset=\"https:\/\/alwahidaismail.com\/blog\/wp-content\/uploads\/2021\/09\/target-audience-A-preview.jpg 400w, https:\/\/alwahidaismail.com\/blog\/wp-content\/uploads\/2021\/09\/target-audience-A-preview-300x208.jpg 300w\" sizes=\"auto, (max-width: 542px) 100vw, 542px\" \/><\/figure>\n\n\n\n<p>Sebaik-baiknya, jumlah matlamat ini akan datang dari pendapatan yang anda tinggalkan setelah perbelanjaan tetap seperti sewa atau gadai janji dan utiliti anda.<\/p>\n\n\n\n<p><br>4. <strong><em>Senaraikan kategori perbelanjaan anda<\/em><\/strong><\/p>\n\n\n\n<figure class=\"wp-block-image size-large is-resized\"><img loading=\"lazy\" decoding=\"async\" src=\"https:\/\/alwahidaismail.com\/blog\/wp-content\/uploads\/2021\/09\/expenses-concept-pie-chart-d-rendering-white-background-78511284.jpg\" alt=\"\" class=\"wp-image-1560\" width=\"553\" height=\"368\" srcset=\"https:\/\/alwahidaismail.com\/blog\/wp-content\/uploads\/2021\/09\/expenses-concept-pie-chart-d-rendering-white-background-78511284.jpg 800w, https:\/\/alwahidaismail.com\/blog\/wp-content\/uploads\/2021\/09\/expenses-concept-pie-chart-d-rendering-white-background-78511284-300x200.jpg 300w, https:\/\/alwahidaismail.com\/blog\/wp-content\/uploads\/2021\/09\/expenses-concept-pie-chart-d-rendering-white-background-78511284-768x512.jpg 768w, https:\/\/alwahidaismail.com\/blog\/wp-content\/uploads\/2021\/09\/expenses-concept-pie-chart-d-rendering-white-background-78511284-624x416.jpg 624w\" sizes=\"auto, (max-width: 553px) 100vw, 553px\" \/><\/figure>\n\n\n\n<p>Kakeibo menentukan empat &#8220;tiang&#8221; atau kategori perbelanjaan:<\/p>\n\n\n\n<ul class=\"wp-block-list\"><li>Keperluan: perkara penting seperti perumahan, bahan makanan, pembayaran kereta, atau pinjaman pelajar.<\/li><li>Kemahuan: pembelian yang menyeronokkan tetapi tidak sepenuhnya diperlukan (makanan dibawa pulang, hobi, hiburan).<\/li><li>Budaya: sebarang perbelanjaan untuk aktiviti budaya &#8211; buku, yuran muzium, tiket konsert, perkhidmatan streaming TV, dll.<\/li><li>Kecemasan: perbelanjaan lain yang timbul, seperti bil perubatan atau pembaikan rumah.<\/li><\/ul>\n\n\n\n<figure class=\"wp-block-image size-large\"><a href=\"https:\/\/fadzliaziz.onpay.my\/order\/form\/bukansekadarcinta\" target=\"_blank\" rel=\"noopener noreferrer\"><img loading=\"lazy\" decoding=\"async\" width=\"584\" height=\"540\" src=\"https:\/\/alwahidaismail.com\/blog\/wp-content\/uploads\/2021\/09\/Webp.net-gifmaker-27-2-3.gif\" alt=\"\" class=\"wp-image-1564\"\/><\/a><\/figure>\n\n\n\n<p>5. <strong><em>Kategorikan semua yang anda beli<\/em><\/strong><\/p>\n\n\n\n<figure class=\"wp-block-image size-large\"><img loading=\"lazy\" decoding=\"async\" width=\"512\" height=\"512\" src=\"https:\/\/alwahidaismail.com\/blog\/wp-content\/uploads\/2021\/09\/20983.png\" alt=\"\" class=\"wp-image-1562\" srcset=\"https:\/\/alwahidaismail.com\/blog\/wp-content\/uploads\/2021\/09\/20983.png 512w, https:\/\/alwahidaismail.com\/blog\/wp-content\/uploads\/2021\/09\/20983-300x300.png 300w, https:\/\/alwahidaismail.com\/blog\/wp-content\/uploads\/2021\/09\/20983-150x150.png 150w, https:\/\/alwahidaismail.com\/blog\/wp-content\/uploads\/2021\/09\/20983-180x180.png 180w, https:\/\/alwahidaismail.com\/blog\/wp-content\/uploads\/2021\/09\/20983-60x60.png 60w\" sizes=\"auto, (max-width: 512px) 100vw, 512px\" \/><\/figure>\n\n\n\n<p>Catat semua pembelian anda di bawah \u201ctiang\u201d yang sesuai dan sertakan jumlah pembelian.<\/p>\n\n\n\n<p>Proses menyusun adalah bahagian yang paling bermanfaat bagi kakeibo. <\/p>\n\n\n\n<p>Apabila anda harus menyusun sesuatu ke dalam kategori, anda akan memikirkannya lebih banyak daripada yang anda mahukan sebaliknya. <\/p>\n\n\n\n<p>Memisahkan keperluan dari keinginan ternyata lebih sukar daripada yang anda jangkakan!<\/p>\n\n\n\n<figure class=\"wp-block-image size-large\"><a href=\"https:\/\/alwahidaismail.com\/senarai-perumahan-baru\/\" target=\"_blank\" rel=\"noopener noreferrer\"><img loading=\"lazy\" decoding=\"async\" width=\"1024\" height=\"531\" src=\"https:\/\/alwahidaismail.com\/blog\/wp-content\/uploads\/2021\/09\/Webp.net-gifmaker-40-1024x531-5.gif\" alt=\"\" class=\"wp-image-1565\"\/><\/a><\/figure>\n\n\n\n<p>6. <strong><em>Jawab empat soalan refleksi pada akhir bulan (atau minggu)<\/em><\/strong><\/p>\n\n\n\n<figure class=\"wp-block-image size-large\"><img loading=\"lazy\" decoding=\"async\" width=\"410\" height=\"1024\" src=\"https:\/\/alwahidaismail.com\/blog\/wp-content\/uploads\/2021\/09\/ezgif-3-f954b2764e71.jpg\" alt=\"\" class=\"wp-image-1563\" srcset=\"https:\/\/alwahidaismail.com\/blog\/wp-content\/uploads\/2021\/09\/ezgif-3-f954b2764e71.jpg 410w, https:\/\/alwahidaismail.com\/blog\/wp-content\/uploads\/2021\/09\/ezgif-3-f954b2764e71-120x300.jpg 120w\" sizes=\"auto, (max-width: 410px) 100vw, 410px\" \/><\/figure>\n\n\n\n<p>Setiap kali &#8211; bulanan atau mingguan &#8211; tuliskan jawapan anda untuk soalan berikut:<\/p>\n\n\n\n<ul class=\"wp-block-list\"><li>Berapa banyak wang yang anda ada?<\/li><li>Berapa banyak wang yang ingin anda simpan?<\/li><li>Berapa banyak wang yang anda belanjakan?<\/li><li>Bagaimana anda boleh meningkatkan?<\/li><\/ul>\n\n\n\n<p>Soalan terakhir &#8220;Bagaimana anda dapat meningkatkan?&#8221; terbuka dengan sengaja. <\/p>\n\n\n\n<p>Anda digalakkan untuk merenungkan dan memperibadikan jawapannya. <\/p>\n\n\n\n<figure class=\"wp-block-image size-large\"><a href=\"https:\/\/alwahidaismail.com\/urus-pembiayaan-lppsa\/\" target=\"_blank\" rel=\"noopener noreferrer\"><img loading=\"lazy\" decoding=\"async\" width=\"1024\" height=\"492\" src=\"https:\/\/alwahidaismail.com\/blog\/wp-content\/uploads\/2021\/08\/Webp.net-gifmaker-37-5.gif\" alt=\"\" class=\"wp-image-1340\"\/><\/a><figcaption><em><strong><em><strong>P\/s: Khusus kepada Penjawat awam yang perlukan khidmat bantuan urus LPPSA untuk semua jenis pembiayaan. boleh<\/strong><a rel=\"noreferrer noopener\" href=\"https:\/\/alwahidaismail.com\/urus-pembiayaan-lppsa\/\" target=\"_blank\"><strong> KLIK SINI<\/strong><\/a><\/em><\/strong><\/em><\/figcaption><\/figure>\n\n\n\n<p>Peningkatan bukan hanya bermaksud mencari jalan untuk mengurangkan kos &#8211; mungkin bermaksud memutuskan untuk membelanjakan lebih banyak untuk apa yang anda benar-benar nikmati (atau menabung lebih banyak untuk sesuatu yang anda nantikan) dan membelanjakan lebih sedikit untuk pembelian yang tidak anda hargai. <\/p>\n\n\n\n<p>Atau anda mungkin mengetahui bagaimana untuk mengelakkan situasi yang tidak dijangka berlaku pada masa akan datang.<\/p>\n\n\n\n<hr class=\"wp-block-separator\"\/>\n\n\n<ul class=\"wp-block-categories-list wp-block-categories\">\t<li class=\"cat-item cat-item-2\"><a href=\"https:\/\/alwahidaismail.com\/blog\/category\/ekonomi-dan-kewangan\/\">Ekonomi dan Kewangan<\/a> (28)\n<\/li>\n\t<li class=\"cat-item cat-item-3\"><a href=\"https:\/\/alwahidaismail.com\/blog\/category\/lokasi-perumahan-baru-free-yuran-guaman\/\">Perumahan Baru Free Yuran Guaman<\/a> (10)\n<\/li>\n\t<li class=\"cat-item cat-item-1\"><a href=\"https:\/\/alwahidaismail.com\/blog\/category\/tips-info-hartanah\/\">Tips &amp; Info Hartanah<\/a> (87)\n<\/li>\n<\/ul>\n\n<p><a href=\"http:\/\/www.9dari10.com\/partner\/go.php?id=1305_0_1_2\" target=\"_blank\" rel=\"noopener noreferrer\"><img loading=\"lazy\" decoding=\"async\" style=\"border:0px\" src=\"http:\/\/www.9dari10.com\/partner\/media\/banners\/banner.gif\" alt=\"\" width=\"468\" height=\"60\"><\/a><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Kakeibo adalah falsafah kewangan yang berpusat pada perbelanjaan dan simpanan yang penuh perhatian, sengaja. Penganjur menjanjikan pengguna kakeibo dapat menjimatkan 35% untuk perbelanjaan bulanan. Walaupun tidak mencapai angka yang tepat,&#8230; <a href=\"https:\/\/alwahidaismail.com\/blog\/kakeibo-mengenali-kaedah-belanjawan-jepun-bahagian-1\/\">Read more &raquo;<\/a><\/p>\n","protected":false},"author":1,"featured_media":1555,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_monsterinsights_skip_tracking":false,"_uf_show_specific_survey":0,"_uf_disable_surveys":false,"footnotes":""},"categories":[2],"tags":[],"class_list":["post-1553","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-ekonomi-dan-kewangan"],"aioseo_notices":[],"_links":{"self":[{"href":"https:\/\/alwahidaismail.com\/blog\/wp-json\/wp\/v2\/posts\/1553","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/alwahidaismail.com\/blog\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/alwahidaismail.com\/blog\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/alwahidaismail.com\/blog\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/alwahidaismail.com\/blog\/wp-json\/wp\/v2\/comments?post=1553"}],"version-history":[{"count":2,"href":"https:\/\/alwahidaismail.com\/blog\/wp-json\/wp\/v2\/posts\/1553\/revisions"}],"predecessor-version":[{"id":1566,"href":"https:\/\/alwahidaismail.com\/blog\/wp-json\/wp\/v2\/posts\/1553\/revisions\/1566"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/alwahidaismail.com\/blog\/wp-json\/wp\/v2\/media\/1555"}],"wp:attachment":[{"href":"https:\/\/alwahidaismail.com\/blog\/wp-json\/wp\/v2\/media?parent=1553"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/alwahidaismail.com\/blog\/wp-json\/wp\/v2\/categories?post=1553"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/alwahidaismail.com\/blog\/wp-json\/wp\/v2\/tags?post=1553"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}