Many people don't keep accounts, and many people keep accounts just for keeping accounts, but what is the real purpose of our keeping accounts? How to really keep accounts? After reading this article, I hope everyone can understand the bookkeeping of daily income and expenditure.

How much is the charge?

Remember the matter of bookkeeping or the last time my mother asked Guamei, how much can you balance every month? Guamei checked the bookkeeping APP with only a few accounts, but she couldn't answer it ... Of course, Guamei's P2P online loan bookkeeping has a clear record in watermelon financing.

I don't know if there are any friends like Guamei who don't care much about money. Just know how much money is in the card or Alipay and how long it will last. Occasionally, I will write it down in a notebook or other bookkeeping book, but I ignore it most of the time.

But think about it carefully, what is the original intention of our bookkeeping? Some people may say that it is to record the income and expenditure and see how much money is saved. Or do you know how much I spent? Otherwise, you can motivate yourself to make more money! ? Actually, everyone has thought about it. The process of bookkeeping is to better understand your financial situation, so as to better realize your asset optimization. This is a bit fake. In the following narrative, Guamei will give you an example.

Let's say something real. First of all, what should I keep in my account?

In fact, there are only two parts: the money coming in and the money going out, which is what we call income and expenditure.

How to record the income?

Let's start with income. Let me take the situation of most people as an example. Most of our income doesn't happen every day, so we can record it once a month and at the end of the month. This month's income includes:

√? basic wage

√? Subsidies, allowances

√? Performance, commission and bonus

√? Part-time job (all kinds of part-time income, manuscript fee, labor fee, etc.)

√? Wealth management income (such as the income from investing in P2P online loans)

√? Others (such as rental income)

It is particularly important to note that wealth management income such as stocks and funds always fluctuates and can be recorded at the end of the year, while P2P, money funds (such as Yu 'ebao) and bank wealth management all have fixed income and can be recorded on a monthly basis.

Summarize into a picture:

How to record expenses?

Let's talk about income before spending. Our expenses are nothing more than food, clothing, housing and transportation, plus several options:

√? Clothing (clothing): all kinds of clothes.

√? Catering (food): meals, vegetables, fruits, snacks ...

√? Accommodation (accommodation): rent, water, electricity, coal, internet access, property fees.

√? Transportation (OK): taxi, gasoline, parking, maintenance, etc.

√? Home (residence): kitchen utensils, washing and bathroom supplies, knickknacks …

√? Communication (telephone): mobile phone fee, telephone fee, traffic fee, etc.

√? Entertainment (play): watching movies, KTV, and visiting parks. ...

√? Dress beautifully: beauty, hairdressing, massage, fitness, etc.

√? Financial management (management): mainly insurance premium, loan interest expense and so on.

√? Others: all kinds of daily expenses that apply to you and are not included in it (for example, families with children are not considered here, but only according to the most basic configuration).

Here, Guamei would like to remind everyone that everyone is used to swiping cards now. After the launch of apple pay, it was more convenient to pay, but the credit card was cold for a while and the repayment was very painful. Don't forget to brush it here, write it down there and make an impression on yourself.

Finally, what should be used for bookkeeping? Guamei, I use my own mobile APP, which is very convenient and can be recorded at will. For example, daily expenses or monny, you can use this if you are afraid of trouble. Take daily expenses as an example, drop down direct bookkeeping, check a category and enter the amount. Finally, it is enough to distinguish between expenses and income. Four steps make bookkeeping easy.

Or pocket bookkeeping, notes, etc. There are multiple account books, such as daily account books, decoration account books and travel account books, which are convenient for everyone to keep targeted accounts. After recording, there will be chart analysis of monthly income and expenditure.

For the computer party, Excel spreadsheet is a good choice. Excel tables are powerful. Do you want to see the trend chart, pie chart or three-dimensional chart? It depends on your personal preference. In addition, excel forms are the most obvious way to check your financial situation at the end of the year.

Of course, Guamei should report herself here, because Guamei herself is a typical type of fishing for three days and drying the net for two days. Now that this strategy has been released, Guamei should also start bookkeeping to see if there will be moonlight this month. Come on ~

Source of this article: Her financial management, Author: The head teacher is here.