Hi, I'm Sayu, a nurse who FIRE in Japan!
I publish my 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-908USD （Excludes investment costs)
In total, I spent 908USD (111,250JPY) during February
Including investments, the total is 2785USD (341,000JPY).
I started graduate school in April of this year.
So my total expenses for the month of March are very high.
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-245USD
245USD (30,000JPY) 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-578USD
Housing -102USD
I own my house and have no mortgage. Property tax and repair costs are divided by 12 months.
102USD (12,000JPY)
utilities-57USD
Water, gas, and electricity total about USD (7,000JPY).
The war has raised the cost of electricity significantly.
Taxes-317USD
Pension 136USD(16,000JPY)
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.
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-490USD
490USD(60,000JPY)
This item includes stocks, mutual funds, RITE as well as personal investments (books and tuition).
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).
Special Expenses-1387USD!!
1387USD(170,000JPY)
I started taking graduate courses.
Admission fee and tuition for 7 courses.
It is not cheap, but I consider it the best investment I can make in myself.
Tuition is calculated as an investment.
