KAKEIBO STARTER LISTS

When you are starting from the beginning sometimes it is hard to think of all the things that
will need to go on your lists. Here are a few ideas to get you going, but your best bet is to
check out your bank statements and make a note throughout the month whenever you
buy something.

Feel free to print this template out and list all of the elements involved in your own financial
situation.

Please note: This is what has worked for me personally, and does not constitute financial
advice.

Income:
Consider all of the areas you have money coming in from:

Wages inc. overtime, bonuses and tips.

Additional jobs, side hustles, and own small businesses, (i.e, not your main job, like Depop
or eBay selling), babysitting, cutting the grass, taking in ironing, etc.

Benefits, grants and dividends.

Child benefit, Tax or Universal credits, PIP, student grants, scholarships, dividends from
shares or savings. etc.

Gifts - Birthday, Easter, Christmas, whatever holidays you personally celebrate that
involve being given money.

(Remember that gifts are NOT guaranteed, so never spend that cash, or plan with it until
you HAVE it!)

Online surveys, competitions, the money you find, (every penny counts!*)
Boot sales, online stores and apps to sell one-off items you no longer need.

* I'm talking about coins you may find in the street. If you find a wallet, or 'find' a fiver
in your house, you know it belongs to someone else, so do the right thing!
 KAKEIBO STARTER LISTS
Sadly, much like the tide, money that flows in soon flows back out again. Where that money
flows though is another matter. Make lists of all of your outgoings, and investigate any that
seem higher than they should be.

Monthly Savings
These are the things I currently save for each month, but I'm sure you can think of things
that you need to put money away for.

Events: Birthdays, Christmas, Holidays, Special occasions.

Car fund: Money for MOT, future repairs, or to save for a new one.
Long term savings: Money you put into pensions/ Bonds/ Index-linked stocks etc.

Most of the advice I have read suggests you 'pay yourself first. Ideally, 10% of your
monthly income should go straight into savings that you don't touch. While I appreciate
that for some this is not possible, if you look at this payment as another bill and draw it
out as soon as you are paid, you will get used to it. And, of course, you haven't lost the
money. Should you desperately need it, it will be sat in your savings waiting for you.

Bills Expenses
Housing: Subscriptions:
Rent/Mortgage/ Housekeeping to parents Netflix, Disney plus, Spotify, Canva,
Contents insurance, buildings insurance, life Amazon Prime, Cable TV channels, X-
insurance (to cover your mortgage - you've box live, Patreon, only fans...etc
got some right!) Food and Housekeeping
items. Check your bank statement and be sure
you know what is coming out..
Taxes: Remember that some subs come out
Council tax, Car tax, Taxes relating to self- quarterly or annually, so remember
employment, outstanding taxes, bank fees, those too.
TV Licence (it's basically a tax!)
Travel:
Utilities: Bus fare, Rail passes, petrol etc
Water, electricity, gas, landline & broadband,
car insurance, Lessons, tuition or club payments:
Take into account all payments - even
Other bills: annual ones ( I pay once a year for my
Phone bill, mobile, medical insurances, dentist WI membership, and twice a year for
fees, prescriptions, credit card repayments, Toastmasters)
loan repayments, Any clubs for children - Brownies, Scouts,
Youth clubs, after school clubs.
KAKEIBO STARTER LISTS

Savings
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KAKEIBO STARTER LISTS

Bills
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KAKEIBO STARTER LISTS

Expenses
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 KAKEIBO STARTER LISTS
Print as many as required.

Month: ____________
List and add all income List and add all Bills and expenses

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Total income: £_________
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List and add all savings
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pots fo this month __________________________ £_________
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Total Savings: £_________ __________________________ £_________
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Total income: £_________
£_________ Total left for bills and expenses: £_________
Minus Total Savings:
Minus total outgoings: £_________
Total left for bills and expenses: £_________
Total left for further saving or
treats: £_________

If you have a lot more streams of income (congrats!) or a lot more outgoings, and this template doesn't work for you, you an adapt it.
Perhaps use Excel, or another spreadsheet system - it will do the maths for you!- and look at where you can make savings, or make
positive changes to your finances.