Those good habits that will benefit me throughout my life - bookkeeping

I started handwriting accounting in October 2019. I have used APP accounting before, but I always feel that every time I open the phone, I always want to look at other information, so I just write the accounting directly. Also easy to view. Some friends may feel that handwritten accounting is less troublesome than the APP. The APP is clear at a glance and has clear data charts. In fact, after keeping records for a long time, the main aspects of monthly expenses and which proportions are basically fixed. , overspending in individual months will not affect the overall financial distribution. This is a bit like the difference between reading electronic paper books and paper books. You can choose freely according to your own preferences.

When I first started keeping accounts, I didn’t think about how long I would be able to keep doing it, nor did I think that keeping accounts would become an indispensable habit in my life, nor did I expect that keeping accounts would change my financial situation. situation.

Sometimes I think that if I start accounting earlier, clarify my financial income and expenditure earlier, and plan my financial situation through accounting earlier, I may be able to make more profits.

Let’s talk about how I plan my financial situation through accounting (the earlier I plan, the more beneficial it will be).

First of all, check your bills regularly. We basically all have electronic bills now, which is very convenient. Unlike before, it was all cash, and some consumption was easy to miss. Use electronic bills to count WeChat, Alipay, credit card, etc. bills into the accounting book.

When I first started, I recorded all my daily expenses without classifying them. At the end of the month, I made statistics to see how much money I spent in total this month. Later, I discovered that if I don’t categorize my expenses, then there will only be a total at the end of the month, and I don’t know the distribution ratio of each month’s expenses. So I made a classification based on the approximate distribution of my monthly expenses: shopping for groceries, Daily necessities, medical care, insurance, children's expenses, study, financial management, water, electricity, communications, cosmetics, clothes and others. My main monthly expenses are in the four major items of medical care, insurance, financial management and grocery shopping. When doing statistics at the end of each month, I will first count these four major items, and then look at other items. If there are no major holidays or When purchasing major electrical and electronic products, the monthly expenditure generally fluctuates within 500. In this way, after each month's statistics are calculated, except for the four major items, which of the remaining items has a higher proportion in the next month will be deliberately controlled. Down.

After developing the habit of checking your bills regularly, I usually do statistics on Mondays a week. Weekly statistics can avoid frequent recording of time occupied, and secondly, the intervals will not be too long, which facilitates timely self-review and consumption. From time to time, I will also evaluate whether it is worth spending based on my own bills, so as not to spend blindly.

After I started keeping accounts, I realized the importance of storage and avoiding risks, so I would invest in funds every month without affecting my life. Will be affected by the ups and downs of the stock market, but unknowingly forcefully store a sum of spare money.

Perhaps it is because of money management that I realize that firewood and rice are expensive, so my consumption concept has always been relatively rational, and I am more willing to spend money on financial management, study and health. What about clothes, cosmetic bags and the like? How come minimalism comes about.

Properly plan your financial situation through accounting, and see the number of savings increasing day by day due to reasonable planning. This joy cannot be replaced by any number of things you buy.