That Metaphor Just Went Somewhere Horrible...

For those of you, like me, who are interested in the money aspects of JET, I've decided to make an entry about my current math adventure. Those who know me know I hate math; however, I love to know how many moneybags it will take me to haul my plunder back to the U.S.

Of course, these numbers will not be your numbers. I realize that. But if you're put in the inaka as I have been, they will be relatively close. It's generally difficult to make an accurate figure for how much one will be paying each month in utilities. Personal preferences aside (and those can vary incredibly), house/apartment size, weather, and whether your housing accommodation includes an AC unit factor into how much you'll be shelling out every month. Come with me on a glorious math adventure!

The JET salary is 3,600,000 yen/year. It may have fluctuated a little bit over the years, but it's never far from this amount. For me, this means $40554.23/year at the current exchange rate (which, granted, will probably change during my stay in Japan). And if you're reading this and thinking "HOLY SHIT! MONEY!" I am about to crush your precious little bubble of naiveté. There are TAXES in Japan! Doh! And you thought you could get away from them. Silly taxpayer. There are some taxes that you won't be able to weasel out of. These include the mandatory pension program, health insurance fee, and unemployment tax.

Yes, mandatory pension program. That means, every month, the Japanese government will take 25,000 yen out of your paycheck and sit on it until you leave Japan. The only stipulation is that you work there for at least 6 months. If you work for less than a year, you will not receive the full 25,000/month back. Don't blame the messenger. You will not be able to collect this money until you are back in your home country (or at least out of Japan completely) and file the necessary paperwork. For your convenience, here is a handy link to more info: JET Pension Info. You're welcome.

The refund after working for an entire year in Japan is equal to a month of salary, that being 300,000 yen right now. Also, there is a 20% fee taken out of said refund. However, this is also refundable. Why the hell they take it out in the first place, I just can't say. The point is that you can get it back after filling out MORE PAPERWORK! For this entire process, you will need a tax representative (in Japan) and a Japanese bank account. If you stay for two years, you get 600,000 yen; three years, 900,000 yen. However, if you stay for four years, you are capped off at 1,000,000 yen. You will not get another 300,000 yen from the pension program, and you'll have to wait that much longer to get your pension money back.

Like the pension fee, the health insurance fee and unemployment tax are automatically deducted from your paycheck before you ever see it. The health insurance fee is 13,000 yen/month, and the unemployment tax is 2,400 yen/month. If you've been following along, you know the total deductions from your paycheck add up to 40,400. Now you're left with 259,600 yen for a month's work. But wait! Now you must factor in your rent and utilities. Unfortunately, at this point, I can't factor in anybody's rent but mine. But I have faith that you, blog reader, can do simple math.

My rent is a ridiculous 9,000 yen/month (about $100). And I mean "ridiculous" in that the average cost of a JET apartment falls in the 20,000-50,000 yen/month range. So I'm pretty lucky on that front. As far as utilities go, water is roughly 1,800/month and electricity is about 4,000/month. In the winter, Black Cat's gas bill is approximately 10,000/month, and there's a guy who comes to fill up the kerosene tank for 2,000. I am in a very cold area of Japan, so I don't have AC. While my electricity bill is fairly low, my gas bill is going to compensate by being a total douche.

Okay, so, lots of numbers. But hopefully this gives you an idea of how much money you'll actually get to keep every month. On average, with utilities (leaving out winter expenses for now), taxes, and rent, I'll get 244,800 yen/month, which figures out to 2,937,600 yen/year, which is $33,092.25/year. This doesn't look as nice as the full 3,600,000 yen, but if you're living in the inaka like I will be, you're going to have nothing frivolous to waste your money on. Every month, my paycheck will go to groceries and... that's it. There is nothing else to spend money on in Sai-mura (if you want to get technical, there is actually nothing to spend money on in Sai. The grocery store is 20 minutes away in Ohma). Let's say I spend 18,000 yen/month on groceries. That's only 216,000 yen for the year, which gives me 2,721,600 ($30659). Nothing to turn one's nose up at. Some people make $30k a year before taxes and expenses. So, in short, JET can be a really great way to save up some money.

Some of that thirty grand is going to find itself traveling back to my U.S. bank account. Some will be spent on snowboarding trips, and a lot of it will probably go towards gas for the car I must buy. I'll also have internet and keitai bills to pay. Factoring those in right now wouldn't be helpful since I have no idea what I'm doing for either of them. My point here is that if you're in a situation like I have been placed in, you won't have to worry about money. I do know some people who have to pay 50,000 yen/month for their apartment because they live in more populated areas. While they're surrounded by things to do and restaurants to eat at, they just won't be able to save up the amount of money that I will. On the flip side, I live on a mountain. I must basically entertain myself. (Good thing The Old Republic is coming out soon. I've never played an MMO, but I would marry BioWare if such a union could be recognized by law. I'm also writing three novels, a video game RPG script, and a graphic novel.) I will slay thee, boredom!

In short, the number of moneybags I will need when I leave Japan is... one. The other hand must be free to wipe away the tears over leaving a job with decent pay and minimal work in a beautiful country. But it's too early to get nostalgic. I'm not even in Japan yet! 30 days and counting, by the way. Maybe my next blog will be about me panicking and setting the streets ablaze in my madness. Or maybe it'll be about my hunt for winter clothes and luggage. Regardless... you got questions, I (might) have answers.

If any of my math is wrong, I blame it on the American education system. >_>