Frugal Living

: Dividend Reinvestment Frugal Living Future Planning
Managing Household Finances in the Era of Rising Mortgage Rates
2025/1/29 financial independence, future planning
Managing Household Finances in the Era of Rising Mortgage Rates Recently, there has been a lot of news about rising mortgage interest rates. In particular, the Bank of Japan’s decision to increase rates by 0.5% has raised concerns for those with variable-rate mortgages, as it may lead to higher monthly payments. In this article, I’ll explain how to prepare for the reality of rising rates and share how my family is handling the situation. 1. Impact of Rising Interest Rates 1.1. The Bank of Japan’s Interest Rate Hike and Its Impact The Bank of Japan raised its policy interest rate ...

: Frugal Living Future Planning Personal Finance
Rural vs Urban: 5 Key Facts to Know Before Choosing to Buy a Home
2025/1/30 lifelong learning, personal finance
Rural vs Urban: 5 Key Facts to Know Before Choosing to Buy a HomeJanuary 27, 2025 Owning a home is one of the biggest decisions most people make in their lives. In rural areas, the mindset that "homeownership is the norm" remains deeply rooted. However, I currently choose to rent. This decision is largely influenced by the perspective I’ve gained through investing—viewing a home through the lens of asset value. In this article, I will delve into why I lean toward renting, discussing the realities of rural real estate markets and incorporating an investment-oriented viewpoint. By sharing concrete data and ...

: Frugal Living Future Planning Lifelong Learning
Why Is a 9% Yield So Hard to Achieve? Lessons on Choosing Reliable Information and Managing Risks from an Experienced Investor
2025/1/24 lifelong learning, personal finance
When starting out in investing, most people rely heavily on "other people's advice." I was no different. In the beginning, I consumed investment-related content from influencers on X (formerly Twitter) and YouTube, paying close attention to their recommendations. However, I now rarely refer to such sources. The reason is simple: in today’s world of overwhelming information, failing to filter and select what’s truly important can drown you in noise and make you lose sight of what matters. This article explores how to navigate the sea of information, identify "truly essential insights," and develop an investment style tailored to your own ...

: Frugal Living Lifelong Learning
Investing Time: The 5-Minute Habit to Unlock Your Future Through Certification
2025/1/21 financial independence, future planning, income protection insurance, self study
Introduction: Viewing Time as an Investment When managing financial assets, you come to appreciate the power of compound interest—investing money and watching it grow over time. This mindset has profoundly influenced my life, leading me to realize that time is also an investment. When used wisely, it can multiply your knowledge and opportunities, much like compound interest. Pursuing certifications or acquiring new skills might feel like taking baby steps initially. But as these efforts accumulate and synergize, they yield significant long-term returns. In this article, I’ll explore how embracing the concept of “time as an investment” can open doors to ...

: Frugal Living Future Planning Personal Finance
How Dividend Income Can Support Your Family's Future: My 9.66% Portfolio Strategy
2025/1/16 dividends, financial independence, future planning, lifelong learning
Hello! Today, I’d like to share insights from my experience as an “extreme investor” with a portfolio achieving a 9.66% annual return. This article explores the concept of using dividend income to cover education costs, drawing from real education expense data and incorporating my unique investment approach. Let’s dive into how dividends can become a powerful force to secure your family’s future.

: Frugal Living Lifelong Learning Personal Finance
"Beat Inflation! Transform Your Life with Savings & ¥1.9M Annual Dividends: Real Examples of Household Budget Improvements with Concrete Numbers"
2025/1/17 certifications, financial independence, personal finance
The Current Inflation Landscape Inflation is taking a significant toll on our daily lives. Rising prices for groceries, utilities, and fuel are directly impacting household budgets. For instance, grocery shopping that once cost around 8,000 yen now typically exceeds 10,000 yen, underscoring the tangible effects of inflation.

: Dividend Reinvestment Frugal Living Household Financial Management Investment Strategies Personal Finance Tips
Dividend Reinvestment Strategies: How an Aggressive Investor Grows Wealth and Manages Finances
2025/1/17 budgeting tips, dividend reinvestment, financial independence, financial management, frugal living, income protection insurance, investment strategies, personal finance, wealth building
Introduction: The Challenge of the Extreme Investor An "extreme investor" refers to someone who meticulously manages their living expenses, reinvesting as much of their dividend income as possible to accelerate wealth accumulation. Personally, I have been earning an annual dividend income of 1.9 million yen, which I have consistently reinvested without using it for living expenses. Behind this strategy lies diligent household management and prudent insurance choices. In this article, I delve into the benefits of dividend reinvestment, the household management techniques that support it, and the rationale behind choosing income protection insurance. Benefits of Dividend Reinvestment 1. Wealth Growth ...