Saving Money in Japan - 2025 Guide Japan is not cheap, but living well here doesn’t have to mean overspending. This practical guide shows how to reduce monthly costs across housing, utilities, food, transport, banking, and everyday purchases—without sacrificing quality of life. It’s written for expats, professionals, and long-term residents who want a serious, no-fluff playbook for 2025. 1) Housing & Utilities Target 10–15 year old buildings: Safer construction standards than older stock, usually cheaper than new builds. Zero key money / reduced deposit listings: Ask agencies to filter for reikin 0 and shikikin 0–1 . Negotiate renewals: Renewal fees ( koshin-ryo ) are often one month’s rent; you can negotiate the fee or a rent adjustment with long tenancy and good payment history. Energy control: Use eco modes on AC, LED bulbs, low-hot-water settings, and a dehumidifier during rainy season to cut electricity. Check building interne...