I have an intermediate-level Japanese financial diploma, and the theme of this blog is saving money through the use of to-do lists.

First, you need to think about how you use your money.

If you have enough money, you can buy anything and do anything, but most people can’t. So, you need to think about how and when you use your money.

For example, when I was younger, I bought many clothes, bags, and shoes. I also went to concerts and plays. At that time, I thought clothes were just things, and eventually, I’d throw them away. But experiences like travel and special moments become memories.

Now, I want to make more memories.

Of course, these thoughts depend on the person, but some research suggests that spending money on others and on experiences leads to more satisfaction than buying things for yourself.

If you think, “I don’t have enough money,” then you should think about how to use your money in a way that brings you more satisfaction than you did before.

3 Recommended Ways to Save

If you feel like you want to save more.

Here are 3 saving tips based on my experiences.

1,Make a new hobby: “Study”

Studying is always free, and you can do it anywhere and anytime.

You can learn something new by going to the library, or you can earn a certificate by studying at home.

You will gain new knowledge or work towards a new certification.

If you don’t have any plans for the weekend, starting a new hobby doesn’t require money and can help you gain interesting knowledge, instead of going to the shopping mall.

2,Become a Minimalist

Based on my experiences, I recommend trying minimalism.

If you stop buying unnecessary things, you will save more money. You’ll also realize how unaware you were of how much stuff you were buying.

The fewer things you have, the more time you’ll have. You won’t need to spend time cleaning or organizing as much.

Try being a minimalist for a month, and then compare how you feel now versus before. During this minimalist period, only buy essentials like groceries and personal care items.

3,Don’t Let Stress Take Over

When you’re stressed, you may feel the urge to buy a lot of things or eat junk food.

Too much stress is bad for your health and can hurt your savings.

If you want to save money, it’s important to manage your stress first.

Create Your Saving Tasks

You can find plenty of tips for saving money in books, online, and in magazines. But the most important thing is taking action. You can create saving tasks that work for you.

For example:

Create tasks for studying:

  • Search for interesting certifications.
  • Read one page of a book a day.
  • Write a blog about something you’re learning.

Create tasks for becoming a minimalist:

  • Throw away 10 unnecessary items every day.
  • Don’t buy unnecessary things for the this month.
  • Sell or give away things you don’t need.

Create tasks to reduce stress:

  • Check in with yourself about your stress levels.
  • Talk with your family or friends to share your stress.
  • Find relaxation techniques and practice them.

I hope this blog inspires you to think more about saving money and how to manage it.

We’re always here to support your money-saving journey using a To-Do List.