Error404 0 Posted April 17, 2014 Share Posted April 17, 2014 Interested to hear. On average over a year say. I manage about 20%, though wish I could do more. Obviously 20% of not that much isn't a great deal, so the % number takes out any potential boasting (or otherwise!!), but we can all only work with what we got! Link to post Share on other sites
hellyer 216 Posted April 17, 2014 Share Posted April 17, 2014 Most of mine slips through the net. For holidays Link to post Share on other sites
klingon 10 Posted April 17, 2014 Share Posted April 17, 2014 Anywhere between 0% and 30% on average. Link to post Share on other sites
pie-eater 207 Posted April 17, 2014 Share Posted April 17, 2014 Not enough! But as long as I'm spending and helping Abenomics, all is good. Link to post Share on other sites
Tubby Beaver 209 Posted April 17, 2014 Share Posted April 17, 2014 About 15-20% but that's cos I give it to the mrs to keep in a safe place.....If I keep a hold of it, it'd be pissed up against a wall Link to post Share on other sites
DumbStick 13 Posted April 17, 2014 Share Posted April 17, 2014 Recently... none. And savings eaten into as well. All gone into house and garden things! Link to post Share on other sites
rach 1 Posted April 17, 2014 Share Posted April 17, 2014 Varies a lot, but if there's no big purchases needed or plane tickets, I usually try to save about 20%. Not huge numbers unfortunately, but it adds up. Link to post Share on other sites
Go Native 70 Posted April 17, 2014 Share Posted April 17, 2014 Last financial year we managed to save about 30%. We just bought the 40 acre property that our nursery business is situated on though so there's not a lot of spare change in the coffers at the moment. Still had enough left over though to book our next Japan skiing holiday! Link to post Share on other sites
pie-eater 207 Posted April 17, 2014 Share Posted April 17, 2014 Mt Granview or Tsugaike Kogen? Link to post Share on other sites
minus 1 Posted April 17, 2014 Share Posted April 17, 2014 First 2 years here I was saving 75% - rent and stuff all got paid for! Not that the salary was massive, but still.. Link to post Share on other sites
snowdude 44 Posted April 17, 2014 Share Posted April 17, 2014 I managed to save close to 40% this last financial year but it varies from year to year for me being self employed. Link to post Share on other sites
seemore 66 Posted April 17, 2014 Share Posted April 17, 2014 Been living on credit for the past 15 years don' t even know how to save switched from savings to credit but am aware of what comes out. Link to post Share on other sites
grungy-gonads 54 Posted April 17, 2014 Share Posted April 17, 2014 About 50% Link to post Share on other sites
HeatherLocklearRocks 1 Posted April 17, 2014 Share Posted April 17, 2014 My 'target' is 25%. But it never works out like that. Link to post Share on other sites
Chriselle 158 Posted April 17, 2014 Share Posted April 17, 2014 We bank and invest around 80% of my wife's income... and live off mine. Even with that I manage to save on average about 50% of it. Depends on the time of the year as one business surges sharply in the spring and fall but performs less the rest of the year. Link to post Share on other sites
cal 6 Posted April 18, 2014 Share Posted April 18, 2014 I earned just under 200 yen interest on my bank account here last year! Link to post Share on other sites
pie-eater 207 Posted April 18, 2014 Share Posted April 18, 2014 How did you celeblate, cal? Link to post Share on other sites
Thundercat 60 Posted April 18, 2014 Share Posted April 18, 2014 I don't realy save all that much because I try to invest as much as I can. As Cal pointed out, the interest from Japanese bank accounts is a joke so there is not too much point in putting your money there. Link to post Share on other sites
NoFakie 45 Posted April 18, 2014 Share Posted April 18, 2014 Not very much of late. However we are paying down a big mortgage and as all you financial bods know, that is "forced saving". Link to post Share on other sites
Thundercat 60 Posted April 18, 2014 Share Posted April 18, 2014 Is it only in Japan that paying a mortgage is considered a transfer of assests rather than an expenditure? Link to post Share on other sites
NoFakie 45 Posted April 19, 2014 Share Posted April 19, 2014 I have no idea. Ours is a twenty-year loan, so I think we might be paying it down faster than the house is falling in value. With folks on the thirty-five-year ones, I wouldn't be so sure. Link to post Share on other sites
Thundercat 60 Posted April 19, 2014 Share Posted April 19, 2014 I found an interesting chart released by the J-gov about average monthly household expenditures and was surprised to see that housing was only listed at 12,000¥/month. Turns out it's because paying down a mortgage is considered transferring assets rather than an expense. That means that the largest monthly expenditure is food, which tends to be 3 or 4 on the list in most countries. What an interesting story, eh! Link to post Share on other sites
Tubby Beaver 209 Posted April 19, 2014 Share Posted April 19, 2014 What do u mean by transferring assets as opposed to expenses? Sorry I'm a bit Tim-nice-but-dim when it comes to financial stuff Link to post Share on other sites
HoTRoD 2 Posted April 19, 2014 Share Posted April 19, 2014 Probably the best way to be Tubby. Link to post Share on other sites
Metabo Oyaji 71 Posted April 19, 2014 Share Posted April 19, 2014 I found an interesting chart released by the J-gov about average monthly household expenditures and was surprised to see that housing was only listed at 12,000¥/month. Turns out it's because paying down a mortgage is considered transferring assets rather than an expense. Really, that little? Including the interest part of the mortgage payment? (I assume the asset transfer refers only to the principal payment part?) And that is averaging in all the people who pay rent? Link to post Share on other sites
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