【商業簿記】讀書會主題:家庭記帳小技巧

養成順手拿發票的習慣,這很重要,當你回到家時,就可以將發票上的金額寫入記帳本中,還可以詳細分類。
 

  
  遇到不會開立發票的店家(如快餐店等),就可以在出門前準備一些小紙條與方便攜帶的筆,將所買的東西與金額記下,這樣就可以回家整理。(不一定要買現成的小筆記本,其實利用廢紙就可以了,弄成小張的,會比較好攜帶;筆可以去文筆店找小巧精緻的,很多種類)
  
  記帳本可以去買"家庭收支簿",去大型的書店找,絕對會有,而且種類繁多,裡面的內容非常詳細,一定要記得,花了錢就要記下,就算是使用信用卡也是一樣。
  其實記帳的本質,不是要我們每天機械式的記下今日的支出,然後結算餘額就好了,這樣的記帳,沒有幾個月就會力不從心,我二年前就是這樣的記帳心態。
  
  一直到上個月初(10月),我又重新對我的花費記帳,但這次,我先去買了一本家庭收支簿,裡面的項目詳細(內容去書店看吧,跟服務人員請教放哪就可以了),算是一樣好的記帳工具。
  
  更重要的是,記帳,[除了讓我們清楚錢花在哪裡,更能讓我們規劃財務目標],這才是那些理財專家要我們記帳的用意。

  知道上個月的花費是在哪裡,就可以大致掌握下個月的花費,製作下個月的[收支預算表]
  
  例如我10月的[總收入為21,000元],[總支出為18,000元],[額外閒錢為21,000-18,000=3,000元],

我也就可假設11月的總支出也是18,000元,而總收入也可能會是21,000元(收支預算表),那平均每日花費為(18,000元/30天=600元),這是因為11月只有30天,而算出這個數字的用意在於,只要每天花費剛剛好等於這個金額,那麼,我就會多出3,000元任我自行花用了;反之,每天花費超出600元,那到時就會透支到那3,000元,也就不會有這3,000元用了。
  
  那現在如果,我每天花不超過600元呢?這樣我到時的錢不只會有3,000元,如果這時你又有訂定財務目標,像我是短期的目標[存錢買機車],每月存,假以時日,我就可以存到我要的金額。

  至於如何保持這個習慣,這就要建立好心態,只要好好記帳,不只可以清楚知道每月的花費,更可在收入與支出間,找出空隙,挖出閒錢,達成需要的夢想,重點是,還不會太過於克制自身的欲望(上面所寫18,000的支出,包含了我的伙食費,娛樂費,網路費,手機費,水電費,電話費等一切支出),享受金錢在你手中任你操控的感覺,呵呵,我想我上癮了!

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