PILLAR

Household Finance & Assets

Written with a financial planner qualification, covering everything from cutting fixed costs to building assets through the new NISA and iDeCo, to household budgeting after buying an EV.

14 articles total
All Saving with RakutenHousehold Finance & AssetsAI & Work SkillsLife & Family
Cutting Fixed Costs 7 Investing & New NISA 3 EVs & Car Costs 4
Managing My EV's Tire Pressure Myself with a Portable Air Compressor EVs & Car Costs

Managing My EV's Tire Pressure Myself with a Portable Air Compressor

I noticed low tire pressure on my car's dashboard screen. When I topped it up myself with a portable compressor, I discovered it tends to overshoot the target reading.

2026.09.07 · 3 min read
Setagaya's Home Security Subsidy: I Assumed Buying First Meant Paying Out of Pocket — I Was Wrong Cutting Fixed Costs

Setagaya's Home Security Subsidy: I Assumed Buying First Meant Paying Out of Pocket — I Was Wrong

I was looking into home security and considering a Google Nest Doorbell. I held off ordering because I assumed Setagaya City's subsidy program required applying before purchase — but checking the official guidelines showed that wasn't the case.

2026.09.07 · 2 min read
EV vs. Gas Car: An Honest Running-Cost Comparison After My Switch to a Tesla EVs & Car Costs

EV vs. Gas Car: An Honest Running-Cost Comparison After My Switch to a Tesla

After switching to a Tesla Model Y L, our family takes an honest look at how running costs compare to a gas car. Parking fees stayed exactly the same, but electricity and maintenance costs told a different story. We also cover how much subsidies really help, plus a few EV-specific quirks worth knowing.

2026.07.22 · 5 min read
Driving a Tesla With No Home Charger: Why We Went Supercharger-Only, and Our First Month of Real Numbers EVs & Car Costs

Driving a Tesla With No Home Charger: Why We Went Supercharger-Only, and Our First Month of Real Numbers

Our home has no garage, so the car sits in a monthly rental parking lot. Here's why we decided to charge our new Tesla exclusively at Superchargers instead of installing a home charger, plus the real charging data from our first month.

2026.07.21 · 4 min read
I Applied for National and Tokyo EV Subsidies: What Buying a Tesla Taught Me EVs & Car Costs

I Applied for National and Tokyo EV Subsidies: What Buying a Tesla Taught Me

When I bought a Tesla Model Y L, I applied for both the national CEV subsidy and Tokyo's ZEV subsidy. Here's how they added up to about 2.12 million yen, plus the four paperwork pitfalls I ran into along the way.

2026.07.20 · 5 min read
My Monthly Corporate DC Switching Habit, and Japan's 2026 Reform Investing & New NISA

My Monthly Corporate DC Switching Habit, and Japan's 2026 Reform

Looking back at my old habit of switching corporate DC funds every month, plus a rundown of the 2026 reforms that removed the matching contribution cap and raised overall contribution limits.

2026.07.05 · 4 min read
A Practical Way to Spot and Clear Out Overlapping Subscriptions Cutting Fixed Costs

A Practical Way to Spot and Clear Out Overlapping Subscriptions

Are you unknowingly paying for more than one subscription that does the same job? Here's a practical checklist for spotting those overlaps.

2026.07.04 · 3 min read
I Reviewed My Amazon 'Subscribe & Save' Setup and Saved Almost 30,000 Yen a Year on Household Goods Alone Cutting Fixed Costs

I Reviewed My Amazon 'Subscribe & Save' Setup and Saved Almost 30,000 Yen a Year on Household Goods Alone

Switching my everyday household goods to Amazon's subscription service saved me almost 30,000 yen a year, combining the discount with never forgetting to reorder. Here's how I set it up and what to watch out for.

2026.06.27 · 3 min read
You Don't Need to Cancel That Membership Card — Just Make It 'Auto-Debit Only' Cutting Fixed Costs

You Don't Need to Cancel That Membership Card — Just Make It 'Auto-Debit Only'

Do you really need to cancel the credit card tied to a paid membership service? Here's the case for checking your annual-fee waiver conditions first, then keeping the card around purely for auto-debit duty.

2026.06.25 · 3 min read
I Stopped Rushing Furusato Nozei at Year-End and Made It a Monthly Habit — Here's What Improved Cutting Fixed Costs

I Stopped Rushing Furusato Nozei at Year-End and Made It a Monthly Habit — Here's What Improved

Instead of bundling all my furusato nozei donations into one year-end rush, I switched to donating a little each month. Here's what I noticed after sticking with it, plus how I now choose my return gifts.

2026.06.24 · 3 min read
What I Learned from My Foreign-Currency Savings Insurance: My Surrender Value Was 'Half of What I Paid In' Investing & New NISA

What I Learned from My Foreign-Currency Savings Insurance: My Surrender Value Was 'Half of What I Paid In'

I cancelled a foreign-currency savings insurance policy I'd taken out back when I was single, right as I was giving my finances a proper overall review. Here's what the actual numbers looked like, and what I came away feeling about how to approach insurance.

2026.06.23 · 5 min read
Why Consolidating to One Main Credit Card Makes Household Finances Easier Cutting Fixed Costs

Why Consolidating to One Main Credit Card Makes Household Finances Easier

When you juggle several credit cards, both your points and your household budget tracking tend to get scattered. Here's a look at the benefits of consolidating down to one main card, plus some tips on how to go about it.

2026.06.14 · 3 min read
Getting Started with Cutting Fixed Costs: 3 Practical Steps You Can Start Today Cutting Fixed Costs

Getting Started with Cutting Fixed Costs: 3 Practical Steps You Can Start Today

For anyone who knows they should review their fixed costs but isn't sure where to start, here's the 3-stage process my household actually uses, from listing everything out to actually acting on it.

2026.05.15 · 4 min read
Maximizing Rakuten Points with Rakuten Mobile, Rakuten Card, and Rakuten Securities Investing & New NISA

Maximizing Rakuten Points with Rakuten Mobile, Rakuten Card, and Rakuten Securities

Combining Rakuten Mobile with Rakuten Card and Rakuten Securities can boost your Rakuten Points multiplier (SPU). Here's how, with real examples.

2026.03.12 · 6 min read
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