RetireJapan

Paid 23 million for a used house (20 years old or so) in the suburbs in Chiba, near Tsudanuma. 0.5% 10 year fixed loan, split 50-50. Still getting the 10 year tax rebate annually at the moment, due to run out soon. Not thinking of paying off the loan early, but we have enough in the bank to pay it i...

Here is what I have:

Amazon (regular, used for prime membership)
Rakuten premium (using for points from monthly spending to the monthly NISA contributions, and for furusato nozei)
AEON Gold card
ANA (regular)

Yes, the Clydesdale UK mobile thing is a pain. I get the paper statements delivered to my family's home back in the UK so my news about the account is always delayed.

Thanks for the replies. I just made a small transfer of money into the account using Transferwise. That may be enough for now.
I'll look at the subscription/charity/shopping ideas too.

My issue is connected to this thread so I will post it here. I have a Clydesdale account in the UK which is only used when I go home (usually once a year, but not this year), and for the UK pension deductions. For some reason, the pension deductions were paused earlier this year and I have just star...

Thanks for the suggestions everyone. I appreciate the quick replies. I'm going to have a look at the bond fund as suggested: "Rakuten Global Bond Index (Forex Hedge) Fund -> This is a hedged version of the Vanguard fund BNDW 楽天・全世界債券インデックス（為替ヘッジ）ファンド https://www.rakuten-sec.co.jp/web/fund/ ... ...

Retire Japan wrote: -pay into UK pension if you can on a voluntary basis -use iDeCo and NISA to invest -invest every month into something sensible -automate everything so you don't have to think about it -enjoy your life and slowly get rich without noticing Thanks for the summary. First two are done...

Thank you for this very helpful information. It's all very useful and I will take a look at those resources you suggest.
I can see what you mean about the fees adding up over time.

Thanks for your time to research this!

We never used the government child allowance, we just saved it. I see the logic about the child benefit. We started doing the same with the P.O. when they were born and then used that money to start the NISA. The NISA is with Kamakura Toushin: https://www.kamakuraim.jp/ We have had it for four year...

It sounds like your idea to go for the loans and keep the saving plan is a steady idea. University is so expensive, it is surely helpful for young adults to understand all the costs. When I was at uni a lot of people took the loans to put down deposits on student housing and then kept/sold that prop...