LIFE IN JAPAN, EXPLAINED
Life in Japan costs more when nobody tells you the rules.
Residence status, health insurance, rent, part-time work, tax, sending money home. The rules are not complicated — they are only written in Japanese. So every guide here exists twice: in English, and in Japanese simple enough to practise on.
The order is decided too. Protect your visa, cut your costs, then earn more. It works while you are still a student.
JUST ARRIVED?
Do these three first. Everything else waits for them.
- Register your address — within 14 days, or you can lose your status
- Join National Health Insurance — it is not optional, and it caps what a hospital can charge you
- Open a bank account — your part-time job cannot pay you without one
Where are you right now?
Pick your situation. The five skills are below, if you would rather read in order.
MONEY YOU MAY BE MISSING
Check if this is you
Nobody tells you these. If one fits, the guide shows what to do.
Still outside Japan?
These five cost you money — or your visa — if you find out too late.
Latest guides
Rental Scams in Japan 2026: 7 Checks Before You Pay a Deposit29 October 2026
Pay Off Revolving Credit in Japan 2026: Why the Balance Won’t Go Down28 October 2026
Good Debt vs Bad Debt in Japan 2026: Your Scholarship Is a Loan Too27 October 2026
Don’t Borrow Money in Japan 2026: Revolving, Cash Advance Rates, Help26 October 2026
Riding a Moped (Gentsuki) in Japan 2026: Licence, Plates, Insurance25 October 2026
Cheap Travel in Japan 2026: Night Bus, Seishun 18 or Student Discount24 October 2026
What Is r > g? Piketty’s Formula and Compounding in Japan 202623 October 2026
Send a Package Home from Japan 2026: EMS vs Air vs Sea Mail Costs23 October 2026
Installment Phone in Japan for Foreigners 2026: Paidy, Not Carriers22 October 2026
Japan Tax on Foreign Income 2026: Non-Permanent Resident 5-Year Rule21 October 2026
Japan DC Pension Plan After You Quit or Leave Japan 2026: 6 Months18 October 2026
Family Visit Visa Japan 2026: Requirements, Invitation Letter, 90 Days18 October 2026
Five skills, and the order is the point
Skill 1 protects the other four. Skill 3 is where the money actually changes — moving from a student job to a work visa is worth about 2.1 million yen a year. Skills 4 and 5 only make sense after that.
Protect Visa, contracts, health 94 guides
- Protect — visa, contracts and health in Japan (Skill 1)
- Rental Scams in Japan 2026: 7 Checks Before You Pay a Deposit
- Don’t Borrow Money in Japan 2026: Revolving, Cash Advance Rates, Help
- Retire in Japan as a Foreigner 2026: No Retirement Visa, 3 Routes
- Money From Parents Abroad: Gift Tax in Japan, the ¥1.1M Line
- Typhoon Alert Levels in Japan 2026: What Level 4 Means, When to Leave
Save Lower your costs 35 guides
- Save — cut your costs in Japan (Skill 2)
- Pay Off Revolving Credit in Japan 2026: Why the Balance Won’t Go Down
- Good Debt vs Bad Debt in Japan 2026: Your Scholarship Is a Loan Too
- The Richest Man in Babylon, 7 Lessons for Japan 2026 (5 Skills)
- Tuition Fee Exemption in Japan 2026: Full or Half, Apply Before Paying
- Winter Electricity Bills in Japan 2026: How to Stay Warm and Pay Less
Earn Work, language and the jump to a work visa 34 guides
- How to Make Money in Japan as a Foreigner: What Your Visa Allows
- The Four Quadrants in Japan 2026: Your Visa Limits Which You Can Pick
- Japanese Phrases for Work 2026: 35 Lines for Your Part-Time Job
- Japanese Job Interview Phrases 2026: Onsha vs Kisha, Email Templates
- Paid Leave in Japan 2026: 10 Days After 6 Months, Part-Timers Too
- Japan Minimum Wage 2026: All 47 Prefectures and Start Dates
Grow Pensions and investing 8 guides
- What Is r > g? Piketty’s Formula and Compounding in Japan 2026
- Japan Tax on Foreign Income 2026: Non-Permanent Resident 5-Year Rule
- Japan DC Pension Plan After You Quit or Leave Japan 2026: 6 Months
- Japan Pension After Leaving Japan 2026: 10 Years, Then Claim From 65
- Should Foreigners Invest in Japan? 2026: 5 Reasons Savings Shrink
- Japan Pension for Foreigners 2026: 9.15% Split, 10 Years to a Pension
Spend Well Family and culture 14 guides
- Riding a Moped (Gentsuki) in Japan 2026: Licence, Plates, Insurance
- Cheap Travel in Japan 2026: Night Bus, Seishun 18 or Student Discount
- Send a Package Home from Japan 2026: EMS vs Air vs Sea Mail Costs
- Installment Phone in Japan for Foreigners 2026: Paidy, Not Carriers
- Family Visit Visa Japan 2026: Requirements, Invitation Letter, 90 Days
- Buying a House in Japan as a Foreigner 2026: Mortgage, PR, 4 Taxes
What this site is really trying to hand you
Rules change with the country and the decade. So these guides also set out the principles underneath them — the part that still works after you leave Japan. Who writes this, and why, is spelled out honestly.