Uneducated about finances in Japan, where do I begin?

To give a bit of context, I come from a family where money was not something talked in an open way, not often. We didn’t have a lot, and though I know the value of money as I don’t spend more than I have and I’m not in debt, I never considered money as something more than a way to pay my bills and sustain my lifestyle. I don’t have any education regarding finance, and if I’m not in debt, I don’t have any savings.

I am working as a freelancer, and as I am not with book keeping, I hired an accountant to help me clear what needs to be from now on. Until now, I did everything by myself and it was not well maintained. At all.

I am in Japan for 8 years, enrolled late in nenkin because I didn’t know it was something necessary, carry cash all the time because I don’t know how the credit system works here (I’m not American, and I just want a normal card that let me know how much is on my account in real time).
I am not good at tax, so I ask help at my local tax office every year, and I am usually late.

Well, you have an overview, I suck at money. And I would like to change my visa from dependant to a normal working visa because I would like to work more than 28 hours per week.

So where can I begin to understand how the financial system works in Japan? how to sponsor my own visa as a freelancer (is it even possible?)
Is there any people who can relate to my experience and can share their own?
Thank you very much for your help.

by Hellea

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