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:
Contents
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
