تصميم بدون عنوان

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家計簿 ﻛﻴﺒﻮ ﻛ رتدﻓ K A K E I B O The Japanese art of mindful household budgeting — track, reflect, and save with intention. ﻮاﻋﻴﺔ ﻴﺔ ا زنﻤ اﻧﻴﺔ ازيﻤ ﻧﻲ ﺑ ﻴ ﻔﻦ ا ا ﺧﺮي ﺑﻮﻋﻲّدّدّﻲ، وا ّ ﻣّﻣّ ﻲ، ﺗ ّ ﺠّﺠّ ﺳ Name / اﻻﺳﻢ Month / اﻟﺸﻬﺮ Savings Goal / ﻫﺪف اﻻدﺧﺎر _______________ _______________ _______

T H E P H I L O S O P H Y · اﻟﻔﻠﺴﻔﺔ 家計簿 The Kakeibo Way ﻛﻴﺒﻮ ﻜ ﻮب ا أﺳ How much money do I have? ل؟ ﻤ ﻚ ﻣﻦ ا ﻛﻢ أﻣ How much would I like to save?ّ ﻛﻢ أرﻏﺐ ﻓﻲ ا How can I improve next month?ّ ﺘﺤ ا ينﻛﻴﻒ ﻳﻤﻜﻨ How much am I actually spending?ً ﻴ ﻛﻢ أﻧﻔﻖ ﻓﻌ Kakeibo (家計簿, literally "household financial ledger") is a hand-written budgeting method that has guided Japanese households toward mindful saving for over a century. Unlike an app that calculates for you, Kakeibo asks you to slow down, write your numbers by hand, and reflect — turning spending from a habit into a conscious choice. ﻣ رثﻮاﻋﻲ ﻣﻨﺬ أﻛ ر ا ﻰ اﻻدﺧ ﻧﻴﺔ ﻋ ﺑ ﻴ ﻋﺪ اﻷﺳﺮ ا ﻴﺪ، ﺳ ره؟ ﺧّدّد ؟ دم؟ ﻘ ﺸﻬﺮ ا ﻦ اّﺴّﺴ ﺘﺐ ﺑُﻜُﻜُﻳ ﻴﺔ زنﻤ اﻧﻴﺔ ازيﻤ ﻧﻲ ﺑ ﻮب ﻳ ﻫﻮ أﺳ ( ) ﻛﻴﺒﻮ ﻜ ا家計簿 一 二 三 四 寧 静 致 遠 · C a l m m i n d , f a r r e a c h

Income Savings Goal Fixed Expenses Available to Spend Total Income / Total Expenses / إﺟﻤﺎﻟﻲ اﻟﺪﺧﻞ إﺟﻤﺎﻟﻲ اﻟﻤﺼﺎرﻳﻒ Total Saved /ﺮّﺧّﺧّﺪإﺟﻤﺎﻟﻲ اﻟﻤ Balance / اﻟﺮﺻﻴﺪ ____________ ____________ ____________ ____________ M O N T H L Y O V E R V I E W · ﻧﻈﺮة ﻋﺎﻣﺔ ﺷﻬﺮﻳﺔ This Month at a Glance ﻤﺤﺔ ﺷﻬﺮي ﺑ 収 固 貯 残 ر ﻫﺪف اﻻدﺧ اﺪﺧ ﺑﺘﺔ ﺜ رﻳﻒ ا ﻤﺼ ا ق ﻺﻧﻔ ح ﻤﺘ ا 一 期 一 会 · O n e t i m e , o n e m e e t i n g — s p e n d w i t h i n t e n t i o n

Week 1 · اﻷﺳﺒﻮع اﻷول Weekly Category Plan ﻔﺌﺔ ﺧﻄﺔ اﻷﺳﺒﻮع ﺣﺴﺐ ا Category اﻔﺌﺔ Budgeted Actual Diff. اﻔﺮقﻤﺨﻄﻂ ا اﻔﻌ 必要 欲 文化 不要 Needs / Wants / Culture / Unexpected / Week Total / One thing I'm proud of / إﺟﻤﺎﻟﻲ اﻷﺳﺒﻮع ﺷﻲء أﻓﺘﺨﺮ ﺑﻪ __________ ت ﺿﺮورﻳ ﻛﻤﻴت ﺛﻘﻓﺔ ﻣﺘﻮﻗﻊ ريﻏ 一 · W E E K O N E

Week 1 · اﻷﺳﺒﻮع اﻷول Daily Spending Log ﻴﻮﻣﻲ ق ا اﻹﻧﻔ ﺳﺠ Date اﺘرﺦ Item اﺒﻨﺪ Category اﻔﺌﺔ Amount اﻤﺒﻎ 一 · W E E K O N E

Week 2 · ﻧﻲ ﺜ اﻷﺳﺒﻮع ا Weekly Category Plan ﻔﺌﺔ ﺧﻄﺔ اﻷﺳﺒﻮع ﺣﺴﺐ ا Category اﻔﺌﺔ Budgeted Actual Diff. اﻔﺮقﻤﺨﻄﻂ ا اﻔﻌ 必要 欲 文化 不要 Needs / Wants / Culture / Unexpected / Week Total / One thing I'm proud of / إﺟﻤﺎﻟﻲ اﻷﺳﺒﻮع ﺷﻲء أﻓﺘﺨﺮ ﺑﻪ __________ ت ﺿﺮورﻳ ﻛﻤﻴت ﺛﻘﻓﺔ ﻣﺘﻮﻗﻊ ريﻏ 二 · W E E K T W O

Week 2 · ﻧﻲ ﺜ اﻷﺳﺒﻮع ا Daily Spending Log ﻴﻮﻣﻲ ق ا اﻹﻧﻔ ﺳﺠ Date اﺘرﺦ Item اﺒﻨﺪ Category اﻔﺌﺔ Amount اﻤﺒﻎ 二 · W E E K T W O

Week 3 · ﺚ اﻷﺳﺒﻮع اﺜ Weekly Category Plan ﻔﺌﺔ ﺧﻄﺔ اﻷﺳﺒﻮع ﺣﺴﺐ ا Category اﻔﺌﺔ Budgeted Actual Diff. اﻔﺮقﻤﺨﻄﻂ ا اﻔﻌ 必要 欲 文化 不要 Needs / Wants / Culture / Unexpected / Week Total / One thing I'm proud of / إﺟﻤﺎﻟﻲ اﻷﺳﺒﻮع ﺷﻲء أﻓﺘﺨﺮ ﺑﻪ __________ ت ﺿﺮورﻳ ﻛﻤﻴت ﺛﻘﻓﺔ ﻣﺘﻮﻗﻊ ريﻏ 三 · W E E K T H R E E

Week 3 · ﺚ اﻷﺳﺒﻮع اﺜ Daily Spending Log ﻴﻮﻣﻲ ق ا اﻹﻧﻔ ﺳﺠ Date اﺘرﺦ Item اﺒﻨﺪ Category اﻔﺌﺔ Amount اﻤﺒﻎ 三 · W E E K T H R E E

Week 4 · ﺮاﺑﻊ اﻷﺳﺒﻮع ا Weekly Category Plan ﻔﺌﺔ ﺧﻄﺔ اﻷﺳﺒﻮع ﺣﺴﺐ ا Category اﻔﺌﺔ Budgeted Actual Diff. اﻔﺮقﻤﺨﻄﻂ ا اﻔﻌ 必要 欲 文化 不要 Needs / Wants / Culture / Unexpected / Week Total / One thing I'm proud of / إﺟﻤﺎﻟﻲ اﻷﺳﺒﻮع ﺷﻲء أﻓﺘﺨﺮ ﺑﻪ __________ ت ﺿﺮورﻳ ﻛﻤﻴت ﺛﻘﻓﺔ ﻣﺘﻮﻗﻊ ريﻏ 四 · W E E K F O U R

Week 4 · ﺮاﺑﻊ اﻷﺳﺒﻮع ا Daily Spending Log ﻴﻮﻣﻲ ق ا اﻹﻧﻔ ﺳﺠ Date اﺘرﺦ Item اﺒﻨﺪ Category اﻔﺌﺔ Amount اﻤﺒﻎ 四 · W E E K F O U R

M O N T H - E N D R E F L E C T I O N · اﻟﺘﺄﻣﻞ اﻟﺸﻬﺮي Looking Back ﻧﻈﺮﺓ إﻰ اﻮراء 一 二 三 四 How much did I want to save? How much did I actually spend? What will I improve next month? How much money did I have this month? ﺸﻬﺮ؟ ل ﻫﺬا ا ﻤ ﻣﻦ ا ّ ّّﺪ ن ﻛﻢ ﻛ ﺧﺮ؟ّدّدّﻛﻢ أردت أن أ ؟ ﻔﻌ ﻛﻢ أﻧﻔﻘﺖ ﺑ دم؟ ﻘ ﺸﻬﺮ ا ﻨﻪ اّﺴّﺴّﻣ اﺬي ﺳﺣ 改 善 · K a i z e n — s m a l l s t e p s , l a s t i n g c h a n g e

感謝 Thank you for saving mindfullyرك ﺑﻮﻋﻲ ﺧّدّدّﻻ اًًﺮًًﺮﺷﻜ Copy this template for every new month — small honest numbers build a calm financial life. ﺷﻬﺮ ﺟﺪﻳﺪ ﺐ ﻜ اﻧﺴﺨﻲ ﻫﺬا اﻘ دﺋﺔ ﻴﺔ ﻫ ﺓ ﻣ ﺣﻴ يندﻗﺔ وﺑﺴﻴﻄﺔ ﺗﺒ م ﺻ أرﻗ