If you receive only a salary, it is not difficult to monitor finances. But if in addition to the salary you still have money in the bank, a small personal business - well, after all, a husband who also contributes to it, you can easily get confused in spending and income. Expand everything on shelves with the help of computer programs of home accounting!
Which program to choose? Now the market there are many computer programs of home accounting, allowing you to monitor your personal finances. You can choose a good product in Russian, and sometimes computer programs are offered completely free of charge.
As a rule , they have similar names: "Home Accounting", "Personal Finance", "Family Budget", etc. They can be downloaded from the Internet or purchased a license disk in the store. The difference between the free and paid version, of course, is. In the second case, you get a better product with a large set of options and you can make claims to the seller, if something suddenly turns out to be wrong. But you can make estimates in the first case, and in the second, so feel free to download the free version. Just be careful, do not pick up the virus from the Internet. So, computer programs are bought or downloaded from the Internet and installed on your computer. As a rule, all programs have an intuitive interface, that is, all the icons and buttons look so that you can understand without instructions what you need to press. A table appears on the screen, into which you contribute all the income and expenses. They can be divided into separate articles. For example, you can do this: Income (salary, interest on the deposit, income from renting a second apartment, etc.) and expenses (food, utilities, clothes and shoes, car, loan payments, family entertainment, etc.) . At the first stage, it will be difficult to get used to making every penny in the table. After all, even the purchase of napkins or chewing gum for a small price, it is necessary to reflect in the general list. But after a while you will become accustomed to such a discipline, and every night calculation of spending will no longer seem to you a punishment.
Adjust the product for yourself. Computer programs enable or allow you to customize the work to your liking, so that it's more convenient for you to work with them. You can change the layout of the panels and buttons, as well as the layout of the table. In some programs, you can also make multi-colored graphs to see how much revenue was, increased or decreased in your spending for the last month, six months or even a year. The capabilities of individual computer programs even allow you to create reports in the form of a summary table, which is very useful if you plan to independently book your small business at the initial stage.
We can do without the Talmud. During the Soviet era, they liked to publish books with advice on housekeeping. Funny pictures illustrated life situations.
One of the pictures looked like this: an elegant lady walks to the door of a new apartment, holding a miniature booklet in her manicured fingers, on which "Income" is written in small letters. Behind her, the worker drags a huge volume on the cart with the inscription "Expenditure" on the cover. It's funny, even very, but how vital! It is good that today there is no need to have thick books. It remains only to learn how to properly correlate income with expenses. However, the habit of counting how much is spent is necessarily helping.