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Money accounting

Dedicated to the anniversary of the exemption from slavery of daily spending records.
I wanted to highlight a topic that is quite interesting to me and, perhaps, will be useful to someone too - this is the topic of money accounting.

A few words about relevance. Before, I would never have thought that bookkeeping would be interesting to me, and all the more that I myself would do something similar. I had no idea what its subject matter was. He only knew that a couple of acquaintances studied at a planned college with the subsequent employment of accountants. It seemed something boring and bureaucratic. In a word, a certain mysterious image of the accountant Koreiko from the Golden Calf. Later, I was surprised to learn that exactly what I do (accounting for money, however, on the scale of one household) is accounting.

It all started about 10 years ago with the fact that at some point the question became urgent for me - why there is not enough money. It is no secret that in order to manage something, you must first measure it. We leave philosophical considerations on the topic “where is it better to pay attention”: to expenses or income, but, I think, many will agree with me that it would not be superfluous to know what the available money is spent on and how much remains. By the way, income must also be taken into account. However, for them, this is usually easier to do. So, for most people, income is one or two operations of receipt of wages per month, while purchases are several hundred for the same period.

In this article, the main emphasis will be placed on how I have changed ways of accounting for money at different times. You will see the difficulties that I encountered in the process, the pros and cons of a particular accounting method. The article will be interesting primarily for those who are already keeping records or are just about to start. Who cares how the accounting system works for me now and does not want to read everything, can go directly to point 7.

  1. So, as already said, my story began a long time ago and with an urgent need. The first thing that came to mind then was to write down on paper: after making this or that waste, fix it in a notebook. You can record spending once a day. At the end of the month, you need to summarize the data and summarize.

    As a result, the first experiment was unsuccessful. Self-discipline failed. Willpower was only enough for three weeks of accounting.

    In general, speaking about the importance of discipline in accounting, it should be noted that there is no way to do without volitional efforts in accounting. By and large, only one will can be limited. All technical means can only facilitate the process, but the final word remains with the person. Do not delve into the process and use only the benefits, you can only afford to delegate this process to the assistant. But such a person is unlikely to catch the eye of this article.
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    For all the time of use, I had only one serious problem. Last November, severe disruptions occurred with the unloading of one of the banks. About 70% of transactions per month did not go through separate records. They were summed up in adjustments. I wrote about this problem in support. To which I received an answer that the error was put on the task list, but when they decide, they don’t know, due to limited resources. As a result, after a month and a half the problem went away. Perhaps it helped that I did not use the card for a week and all frozen transactions in the bank were closed.

That, perhaps, was all that I wanted to say. Manage money easily!

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