Code Farmer's Daily - "Life" Code Farmer's Account Book is open to the public ~ share how to keep accounts

Today I'm going to share about accounting! (Super sudden XD

In fact, because Anon and I have some things I want to do, I have always had the habit of keeping accounts.

I was chatting with my colleagues recently, and I talked about accounting.

Later, in the process of chatting...it seems that not everyone can keep accounts?＼(º □ º l|l)/

Because my colleague is clearly using the APP to keep accounts, but he always feels that these accounts seem meaningless , otherwise he often has bad memory, so he forgets to keep accounts, and the accounts are not allowed to Yunyun at all, and then he has no sense of accomplishment in the end. Stop accounting, Ah, and then start again the next year ~ and fail again ~ start again ~ fail again and keep reincarnating ┌(.Д.)┐

After I listened, I only answered him one sentence

I can give a 45-minute speech on this question, I believe I (´∀`)…

Of course, I didn't tell him about my accounting method in the end! I don't have that time at work after all. XD

So today, I will condense the 45-minute speech into an article and write about how I keep accounts d(･∀･○)

(Rest assured, this is definitely not a 45 minute long post...)

before the start

I laughed and said that to write a good account book, you must have the courage to be honest with yourself ψ(｀∇´)ψ

Accounting is about one's life, but in some senses it is extremely private.

Let me use an analogy. The outbreak of the epidemic in Taiwan was because a Lions club president went to Wanhua's A Gongdian to promote Taiwan's economic prosperity.

Well, assuming the president has the habit of keeping accounts
Do you think he will not write down the consumption records of his going to A Gong's store in his account book??

Of course, you can compromise. Don't write "A Gongdian" in the account, and rewrite "Promoting Taiwan's Economic Prosperity" may be taller and taller.

I think everyone inevitably has expenses that they don't want to recall or it's inconvenient to talk about (like game class fees, I don't dare to write XD), but whether you can face each of your expenses fairly, I think it's the beginning of accounting top priority

Data collection and statistical analysis

Now that you are mentally prepared, the next thing you need to do is to think about how your accounting should be done.

I will tell you my main point

It is useless to just keep a running account. A good account needs to have data collection and statistical analysis

Almost all companies must have an accounting department. Have you ever thought about how the accounting department handles accounts?

Basically, there must be a few points (personal arguments) for dealing with accounts

1. set a budget
2. record accounting
3. Write-off (reconciliation) accounts
4. Statistics

I think a good account must meet these four points in order to achieve

Of course, this is completely an ideal value, and I believe many people understand this truth

Therefore, the following paragraphs will explain my approach one by one according to the above four points. I hope you can have a little patience and look at it~

set a budget

When you're happy with your salary every month, the first thing you do is think about how you spend your money (seriously)

That's right, this " thinking about how you're going to spend your money " is setting a budget

I will make an account immediately on the day I get my salary every month, I will write in the budget sheet what money I may spend this month, and establish a reference ceiling for him (see clearly, it is a reference)

Why the reference cap ? Because we always encounter some unexpected expenses in our daily life, for example, replacing motorcycle parts is a kind of...

So in fact, I don't ask myself to meet the budget, but I definitely ask myself to spend as much as possible within the budget!

And the content of the immediate billing here is mainly the stuff filled in my Excel sheet...

Well.. you ask me how to get Excel? Of course I made it myself! (with a loading point at the end)

Let me show you a small picture

Although the small picture may be a bit difficult, but my table has a total of 6 grids

There are 6 items of budget, 1-4 weeks expenses, and balance.

And after I get my salary, I will start filling in the "budget" field ~ put a big picture

And how to formulate the budget? Basically, the first time I made it, I just grabbed it at random, and it was roughly estimated at random.

Then the budget for the second month is based on the first month, and the budget is gradually reduced until a balance point is reached.

The advantage of this is that you will know if your expenses are within the scope of the plan

Although I sometimes feel that, in fact, a lot of expenses are completely unpredictable

But there is also a word for you, that is

Expect what you should expect and do your best

Believe me, the benefits of catching the budget at the beginning of the month are definitely more powerful than you think

record accounting

The record is the Data Log (nonsense...)

In fact, most people know to record expenses, and many people actually do it

But about how to log all the expenses, this is the common problem of many people

So, how does Ah Nong keep track of expenditures? The answer is

Line's personal group

Almost everyone uses Line now!

Well, you said you can use TG XD

After I realize each expense, I will pick up my phone and open Line, and record each expense, like this

In fact, there is no need to deliberately classify what it is. It's good to think about this kind of thing slowly when it is about to be written off.

Generally speaking, I write off once a week, so after completing the write-off, I write a write-off directly, that is, to complete the calculation of the current week.

If you use Line, you don't need to install any recording APP, and the recording method can also follow your own preferences. To be honest, you only need to type a few words. It is really much faster than opening a software and pressing there!

Write-off (reconciliation) accounts

If you look ahead and feel

"Hmph, what's so great about it? I'm the same way, and I'm doing better than you!"

That's great, things at this stage maybe you'll like

I wonder if you will write off your accounts? That is, the act of checking the accounts with the actual

As I said before, I think that a good bookkeeping requires records, write-offs, and statistics.

And here, my approach is to " write a week's expenses into Excel every Sunday night "

I do my calculations for the week every Sunday night and actually check if the amount is correct or not

The following is an example

The point is, just recording is useless; you must actually check the amount on the opponent, and confirm that it is correct, this number will be meaningful! !

Statistics

When you have actually recorded the accounts every month, and there have been confirmed write-offs

Next is the accounting

At the beginning, my accounting statistics were also manually calculated, and my automatic statistics table was also completed after a while.

Let's see my stats

My notation is a little special, I have two parts " total expenses " and " personal expenses "

The reason why I remember this is because I have to save 10,000 yuan every month, and I have to pay 9,000 yuan to my family.

So I came up with a "personal expenses" item in order to really count how much I spend in a month.

This table will subtract and compare the amount from the budget amount and the monthly project expenditure.

Finally, output the total balance and budget usage to let yourself know

And the remaining amount is your balance this month, so be happy! Do you want to come and go to eat a ring of food heaven?

Account usage

OK, it seems easy to keep accounts in this way, but in practice, I will find that I have a lot of accounts, what should I do?

I also share my account usage here

I have three accounts, namely Xinguang, Yushan and Heku

Among them, my Xinguang has VISA + online banking, Yushan has credit card + online banking, Heku has VISA, but there is no online banking but a stock account

So my position is:

• Shin Kong Financial Holdings: For daily expenses, the money will be put here
• Yushan Bank: Invest in foreign currency, and buy installment products for use
• Heku: Invest and receive virtual currency benefits

To put it simply, when my salary comes down (our boss gives a salary bag), I will take it home and record it without opening the package.

If the balance after accounting is completed, it will be kept in cash, and the balance in the account will be cleared and transferred to the cooperative treasury, or if the amount is large, I will transfer it to Yushan to buy foreign currency.

In this way, it will be said that the online banking of Shin Kong Financial Holdings will always only have the money needed for this period, and the money I have deposited will be in other banks. Under this operation, there will be no financial confusion.

What if I miss an account?

Nothing to do, just write it in the miscellaneous expenses (seriously)

In fact, the miscellaneous fee is quite versatile. XD

Miscellaneous costs are the costs that you can't estimate and can't count that he always appears and disappears suddenly (and doesn't)

In fact, I will also miss accounting, sometimes the Line group is not recorded.

Sometimes it's possible that I missed a bill

It even happened that my change was in my pocket and the billing went wrong

At this time, I will write an " unknown expense " in the miscellaneous expense item, just to tell myself that this is the account that I don't understand.

You don't even need to be perfect, you can simply set a quota for "unknown spending" in your budget

Try to fit yourself into this budget, or it's best not to have unknown expenses

But while demanding perfection, we must also accept imperfection. This is the essence of Code Farming's accounting

I definitely wouldn't say it's a corrected regression XD

Epilogue

Let me talk about it first~ the accounting shared above is completely for my own XD

Everyone's situation is different, you always have to make accounting according to your own situation

There are only four key points in the text that everyone can directly copy and use.

1. set a budget
2. record accounting
3. Write-off (reconciliation) accounts
4. Statistics

These four are the key points that I have felt since the beginning of accounting

I also made this Excel table by myself. I actually don’t know Excel very well. At that time, I was looking for some functions and slowly learning it for a long time (っ´ω`)ﾉ(╥ω╥)

But that's what I'm talking about, I'll still provide this form for everyone to take a look at! Just use it if you need it :P

Download here (Mega)

→https://mega.nz/file/V1FFRIQQ#BIj5YbiduFPs7uWDM1k5rXMMfPLJl9a56cbrEYmDmMM

I wish you all a good account XDD

send~~~
big ~~~

fortune ~~~