JPH079781A - Property management housekeeping account book - Google Patents

Abstract

PURPOSE:To provide a property management housekeeping account book in which own property management can be simply conducted by anyone and an expenditure management and a property utilization to be foreseen for a future life plan can be executed. CONSTITUTION:The property management housekeeping account book comprises an income column and an expenditure expense column, wherein the expense column has an item of a residence cost as a bankbook 1, items of water expense and light, fuel expenses and indispensable expenses as a bankbook 2 and items of living expenses and various loans as a bankbook 3, an item of savings is provided as a bankbook 4 as different items of the income and expenditure expense columns, and columns to be filled in with budget and actual values of the respective items are provided.

Description

Detailed Description of the Invention

[0001]

FIELD OF THE INVENTION The present invention relates to a property management household account book. More specifically, by keeping a record, anyone can easily manage their own property.
The present invention relates to a wealth management household account book capable of performing expenditure management and wealth management in consideration of future life plans.

[0002]

2. Description of the Related Art Conventionally, various household accounts have been proposed and marketed in order to record and grasp the expenditure situation of households. Items such as insurance and savings were not provided, or even if they were provided, they were simply classified as insurance or savings without considering their nature. Moreover, the conventional one corresponds to a so-called ledger and is merely a record of expenditure.

Therefore, it is difficult for a conventional household account book to grasp whether a household is really in the red or in the black, and if it is in the black, how much it is in the black. It was not possible to manage the property by looking at the future life plan.

In view of lyrical circumstances, the present invention is a household account book based on the theory of double-entry bookkeeping for creating an asset table. Anyone can easily manage his or her own property and plan a future life plan. The purpose is to provide a wealth management household account book capable of performing expenditure management and asset management with a view to.

[0005]

The property management household account book of the present invention is provided with an income column and an expense expense column, and in the expense expense column, an item of housing expense as the passbook 1 and a water utility as the passbook 2 Each item of expenses and indispensable expenses, each item of living expenses and various loans as the passbook 3 are included, and an item of savings as the passbook 4 is provided separately from the income column and the expenditure expense column. It is characterized in that a column for entering a budget and an actual value is provided for each item.

Further, it has an income column and an expense column,
In the expenditure column, there is a column of assets including a housing expense item as a passbook 1 and a deposit / savings item as a passbook 4, and each item of water and utility expenses and essential expenses as a passbook 2 and a passbook 3
It is characterized by the provision of a column for living expenses, which consists of items such as living expenses and various loans.

In the above-mentioned household account book of the present invention, various items, that is, journals, are grouped according to the theory of double-entry bookkeeping. Therefore, the double-entry bookkeeping can be created by simply entering a number in each item. There is.

In use, the budget is compared with the actual value. In other words, if you make a budget and prepare necessary expenses in your bank account, the results of the various expenses deducted will be automatically posted to your passbook at the end of the month. If, for example, three savings or deposit passbooks are prepared, the items in the expense / expense column are the passbook 1,
The passbook 2 and the passbook 3 are divided into different passbooks. By transferring the records of the passbook in this way, it is possible to manage the household budget based on the double-entry bookkeeping.

[0009]

DESCRIPTION OF THE PREFERRED EMBODIMENTS The accounting book of the present invention will be described below with reference to the accompanying drawings.

FIG. 1 is an explanatory diagram of an embodiment of a property management household account book of the present invention.

The property management household account book shown in FIG. 1 is a sheet for monthly recording as step 1 (goal setting and living cost control). And, you can get the total for each. Each item of the income column and the expense expense column is not particularly limited in the present invention, and the one shown in FIG. 1 is only one example.

The first feature of the property management household account book of the present invention is:
Divide each item in the expense field into three passbooks, and further passbook 4
As a result, an item called "savings (reserve)" is provided separately from the expenditure expense column. As a result, it is possible to accurately grasp the true reserves (surpluses) that can be left over while maintaining daily life in a safe state, and perform accurate property management based on this savings. Of.

As an advice for easily calculating the surplus (surplus) of surplus, that is, surplus other than the savings in the passbook 4, which is generated by daily household transactions, for example, a bank passbook. Can be used for each item described above. The bankbook is managed by the bank computer, and the deducted expenses are recorded and recorded. Therefore, divide each item in the Expenses and Expenses column into three passbooks (it is convenient to be able to distinguish them by color or pattern if desired), and check the results by yourself later. It is possible to confirm whether there is a surplus reserve.
Further, by providing the item of savings (reserve) in the passbook 4 as a separate frame from the expense expense column (items that can be automatically withdrawn), the subtotal of each surplus in the passbooks 1 to 3 can be managed.

The passbook 1 includes an item of housing expenses (mortgage), and the passbook 2 automatically debits the account every month, that is, the utility bill, telephone bill, NHK reception fee, insurance premium ( Essential savings) etc. are included. This indispensable savings is the funds that should be considered in order to live a life in peace, such as contributions for the survivor's living funds (life insurance), contributions for the living funds for old age (pension) and mortgage loans. Endorsed, or
An insurance premium that can be used only for that purpose is included. The property management household account book of the present invention is characterized in that a premium for a pension that seems to be savings is distinguished from the savings of the passbook 4 as an indispensable savings.

The passbook 3 includes a field for entering each item as various expenses such as living expenses, for example, food expenses, education expenses, transportation expenses, clothing expenses, medical expenses, various loans and the like. However, these item divisions are not particularly limited in the present invention, and the one shown in FIG. 1 is only one example.

Explaining each item in the embodiment shown in FIG. 1, the public pension of item 4 includes child allowance, unemployment insurance, pension, social security benefit, mother and child family allowance and the like. Other income in item 5 includes remittances, temporary income, bonuses, rent income, and the like. Education expenses include expenses necessary for education of children, such as educational insurance premiums and education loans.

Next, the second characteristic of the property management household account book of the present invention is that for each item such as the above-mentioned food expenses and educational expenses,
There is a space to enter budget and actual value. As a result, the income and expenditure situation can be checked every month and used as a material for reflection. The number entered in the budget column may be a value calculated by oneself based on past performance, or various aggregate data published through official gazettes (for example, For example, the household income survey results of the five-level income by income or the eight-level average by age of the head of household may be used.

FIG. 2 is a sheet for making a weekly record for keeping the property management household account book shown in FIG. 1 as step 2 (practice and result), and vertical columns are shown in FIG. It is the same as the accounting account book, and the horizontal column is divided for each week. Then, one week's worth of receipts and memos should be stored, these should be sorted, and a record should be kept for each week.

It should be noted that it is useful to prepare a sheet as shown in FIG. 3 separately and record the purchases processed by a credit card, etc., in order to keep the weekly household account book shown in FIG. Not only that, it can also be used effectively to secure the balance of the bank account.

A personal loan recording sheet as shown in FIG. 4 is also convenient, and can be used for educational loans, card loans,
Personal loans such as credit loans, and life insurance,
Record automatic debits for fire insurance, pension insurance, endowment insurance, health insurance, etc. Of these, the automatic withdrawal will be recorded as savings (indispensable savings and other general savings) in the savings list shown in FIGS.

As described above, the records of week and month are collected, and the annual balance record table is prepared as step 3 (checking the surplus for each month) (see FIG. 5).

Next, as a step 4 (savings with a view to the life plan), a list of savings is prepared. 6 to 7 are examples of sheets for that purpose. In the property management household account book of the present invention, savings are divided into indispensable savings and surplus savings. Then, by making use of the savings of the passbook 4, it is sufficient to make an investment plan according to one's life plan. Figure 8
Is an example of a stock investment table that can be used when a stock is selected as the investment.

Next, using the sheets shown in FIGS. 9 to 11, as a step 5 (summary of the breakdown table of assets and liabilities), preparation list details for property management are prepared. The sheet shown in FIG. 9 is an example of a sheet for entering time deposits, government bonds, loan trusts, stocks and other liquid assets, and the sheet shown in FIG. 10 is for the purchase of movable assets other than cash and savings. It is an example of a sheet for entering fixed assets such as real estate. Then, the debts such as home purchase loan, car loan, and school loan are filled in on the sheet shown in FIG.

In this way, after the asset situation is organized using the sheets shown in FIGS. 9 to 11, the property table is recorded as step 6 (property table only for my home). The number required here is the number of the balance of the last month in each sheet of FIGS. It should be noted that it is the asset value of insurance in current assets, but if it is canceled in the last month, it is necessary to investigate how much the refund will be refunded and record the number. For debt, the outstanding balance is recorded. In this way, the property table of only oneself
By creating it once or several times, you can accurately grasp all your own assets, and it will play the role of a qualified adviser accountant when you want to change the company or profession or make a plan after retirement.

Next, although the idea is the same as the above-described embodiment (the savings portion is provided in a separate frame), the arrangement of each column is changed to introduce the idea of the balance sheet and the income statement. Will be described with reference to FIGS. 13 to 16.

FIG. 13 is a sheet for monthly recording, in which an income column is provided in the upper part and an expenditure column is provided in the lower part. Fixed income (usually monthly salary) in the income column
There is a column for recording information such as business income and business income, and a column for recording the budget and actual amount is provided for each column.

On the other hand, in the expenditure column, there is a column of assets consisting of the items of housing expenses as the passbook 1 and the items of deposits and savings as the passbook 4, and the items of water and utility expenses and essential expenses as the passbook 2 and the passbook. There is a section for living expenses as a third item, which includes living expenses and items of various loans. Here, the contents of the passbooks 1 to 4 are slightly different in expression from the passbooks 1 to 4 in the first embodiment described with reference to FIGS. 1 to 12, but are substantially corresponding contents. ,
The description is omitted.

The expenditure column is divided into columns of "automatic debit" and "cash disbursement" from the viewpoint of whether or not automatic debit is possible at financial institutions such as banks and post offices. The passbooks 1, 2 and 4 belong to the “automatic debit” column, and the passbook 3 belongs to the “cash outflow” column. Although credits and loans are originally automatically deducted, please refer to Figures 1-12 or
In the examples shown in 13 to 16, in the classification of journals according to the double-entry bookkeeping, they are in the group of passbook 3 (living expenses and various loans).

Next, the usage of the household account book shown in FIG. 13 will be described.

First, the income column is recorded. Then, the planned deposits and savings as the passbook 4 and the mortgage as the passbook 1 are subtracted from the income. For example, suppose that the income from taking home is 270,000 yen.
70,000 yen will be recorded. And assuming that you pay 40,000 as a mortgage and 20,000 as a reserve, 2
7- (4 + 2) = 21 (10,000 yen) will be the living fund for this month. This 210,000 yen is recorded at the location indicated by b in FIG. For the sake of clarity, the total income column may be colored green, and the total expenditure column may be colored red, for example.

Now, about the 210,000 yen, since it has already been left as the assets (cash, savings deposits, and housing / mortgages), it can be used freely, so to speak.

Therefore, first of all, a budget for public utility charges (electricity, gas, water, etc.) and insurance and pension payments is set up by checking the automatic deduction passbook. For example, assuming that the utility bill is 14,000 yen and the insurance pension is 15,000 yen, the subtotal is 29,000 yen.

From the 210,000 yen to 29,
The remaining 181,000 yen after subtracting 000 yen will be the cash expenditure budget for this month. The remaining amount of money through this budget can be regarded as a true surplus. And
This surplus can be put into the asset as cash as the balance carried forward for the next month. Alternatively, instead of using the balances carried forward, it is possible to store them as a total of "clearances" in the account as a cash deposit different from the deposit in the assets.

In other words, whether the result of the profit and loss calculation is positive or negative is the "manipulation" that is often said in the home. In general profit and loss calculation, expenses are compared with income, but in the household account book, income corresponds to capital (monthly income) to assets (cash, savings deposits, housing / mortgage) on a monthly basis. It is the balance after deducting the amount of money, and the cost corresponds to the monthly negative total, that is, living expenses. Then, the balance obtained by subtracting expenses (actual living expenses) from profits (funding expenses for this month's living) becomes a margin (balance).

If this "clearance" is positive, assets increase, and if it is negative, assets decrease.

FIG. 14 is a sheet for establishing an annual total plan, which divides one year into three months (each season) and incorporates a bonus as income. In addition, FIG. 15 shows an annual recording sheet for each month. In this embodiment, half a year can be recorded, but of course, one year may be recorded. It should be noted that a usage column (corresponding to the profit appropriation statement in double-entry bookkeeping) as shown in FIG. 16 may be provided under the “clear” column for each month.

In the above-mentioned embodiment, in order to conform to the theory of double-entry bookkeeping, credits and loans, which are originally automatic debits, are grouped into passbooks 3. For the purpose of easily calculating
The household account book shown in 17 can also be used. The household account book shown in FIG. 17 is similar to that shown in FIG. 13 except that various credit or loan items are grouped in the passbook 2.

In each of the embodiments described above, if the item "business income" is provided in the column of income and the items "operating fund" and "equipment fund" are provided in the column of the passbook 3, the tax return will be declared. It is very convenient because it can be used by the target person.

The sheets shown in FIGS. 1 to 16 are merely examples, and it goes without saying that the arrangement, fonts, size of letters, expressions and the like can be changed as appropriate.

[0040]

[Effects of the Invention] As described above, the property management household account book of the present invention clearly distinguishes between essential savings and surplus partial savings, which allows proper and accurate property management according to one's own life plan. Can be done. In addition, since the budget and the actual columns are provided for each item, the user can regularly review his or her own spending situation and maintain a solid household budget.

[Brief description of drawings]

FIG. 1 is an explanatory diagram of an embodiment of a property management household account book of the present invention.

FIG. 2 is an explanatory diagram of another embodiment of the property management household account book of the present invention.

FIG. 3 is an example of a credit card usage recording sheet.

FIG. 4 is an example of a recording sheet of various loans and bank debit details.

FIG. 5 is an example of an annual balance record table.

FIG. 6 is an example of an indispensable saving recording sheet.

FIG. 7 is an example of a recording sheet for saving a black portion.

FIG. 8 is an example of a stock investment table.

FIG. 9 is an example of a current asset list.

FIG. 10 is an example of a fixed asset list.

FIG. 11 is an example of a debt list.

FIG. 12 is an example of a list of assets and liabilities.

FIG. 13 is an explanatory diagram of still another embodiment of the property management household account book of the present invention.

FIG. 14 is an explanatory view of a sheet for making an annual total plan of the embodiment shown in FIG.

15 is an example of an annual recording sheet of the embodiment shown in FIG.

FIG. 16 is an example of a table for checking the usage of space.

FIG. 17 is an explanatory diagram of another embodiment of the property management household account book of the present invention.

Claims (8)

[Claims] 1. A revenue column and an expense expense column are provided,
In the expenditure expense column, the item of housing expenses as the passbook 1, the passbook 2
Each item of water and utility costs and essential expenses as
And the items of living expenses and various loans as the passbook 3 are included, and the item of savings as the passbook 4 is provided separately from the income column and the expense expense column.
A property management household account book, characterized in that a column for entering a budget and an actual value is provided for each of the above items. 2. The property management household according to claim 1, wherein at least the total amount of a life insurance premium, a retirement life fund premium, and a mortgage insurance premium is entered in the indispensable expense column. Book. 3. An income column and an expense expense column are provided,
In the expenditure expense column, the item of housing expenses as the passbook 1, the passbook 2
Each item of water and utility costs and essential expenses as
Also, each item of living expenses and various loans as the passbook 3 is included, and an item of savings as the passbook 4 is provided separately from the income column and the expenditure expense column. A wealth management household account book that has a column for recording the total of months. 4. The property management household as claimed in claim 3, wherein at least the total amount of a life insurance premium, a retirement life fund premium, and a mortgage insurance premium is entered in the indispensable expense column. Book. 5. An income column and an expense column are provided, and in the expense column, an asset column consisting of an item of housing expenses as a passbook 1 and an item of deposits and savings as a passbook 4, and a water utility as a passbook 2 A property management household account book, which is provided with a column of living funds to make up each item of expenses and indispensable expenses and items of living expenses and various loans as the passbook 3. 6. The property management household account book according to claim 5, wherein a column for recording in units of 3 months and a column for recording the total of years are provided for each of the income column and the expenditure column. 7. The property management household account book according to claim 5, wherein columns for recording each of the income column and the expenditure column are provided on a monthly basis. 8. An income column and an expenditure column are provided, and the expenditure column includes an asset column including a housing expense item as a passbook 1 and a deposit / savings item as a passbook 4, and a water supply as a passbook 2. A property management household account book, which is provided with a section for living expenses, such as utility expenses, indispensable expenses, various credit or loan items, and living expenses as the passbook 3.