February 2022 Expenses

Hi, I'm Sayu, a nurse who FIRE in Japan!

We publish our expenditures every month.

You can learn the actual situation of Lean FIRE in Japan.

I have only broken it down into 5 categories

Now let’s take a look at February expenses:

Total-947USD (Excludes investment costs)

In total, I spent 947USD (111,071JPY) during February

Including investments, the total is 1458USD (171,005JPY).

The average expenditure of a one-person household in Japan is 1283USD (150,506JPY) per month.

Ministry of Internal Affairs and Communications household survey, 2020

https://www.stat.go.jp/data/kakei/2.html

Groceries-341USD

341USD (40,000JPY) including eating out
I cook most of my own food, but I am not forcing myself to save money.
It is important to spend money on food for your health.

Fixed Expenses-564USD

Housing -102USD (12,000JPY)

I own my house and have no mortgage. Property tax and repair costs are divided by 12 months.

utilities-43USD

Water, gas, and electricity total about 43USD (5,000JPY).

Tap water in Japan is clean, drinkable straight from the tap, and tasty.

Taxes-317USD

Pension 136USD(16,000JPY) fixed amount regardless of income (exemptions are available for students and those with low income) 

Health insurance 74USD(8,691JPY)

Resident tax 107USD(12,166JPY)

Communication fee-17USD

17USD(2,000JPY) Unlimited calls, 20 gigs.

Car -85USD

85USD(JPY10,000).

Total for insurance, gasoline, maintenance, etc. No loan, parking fee, etc.

Entertainment-85USD

85USD(10,000JPY)

My hobbies such as playing musical instruments, reading books, bicycles, etc.

do not cost much money.

Therefore, my entertainment expenses are low.

Investments-511USD

511USD(JPY)60,000
This item includes stocks, mutual funds, RITE as well as personal investments (books and tuition).

I also have extra cash to invest.

I buy mutual funds of all world stocks using dollar cost averaging.

In Japan, there are NISA and iDeCo, which do not charge taxes on profits, and I use them (there is a cap on the amount that can be invested in a year).

When cash reaches about 2 years of living expenses, investments will be suspended.

This is because we now value our free time more than increasing our money.

Special Expenses-0

None

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