KR20000064085A - Method for personal financial management using a housekeeping book and its recording medium - Google Patents

Abstract

PURPOSE: A personal financial management method using a household account book and a recording media capable of reading by a computer are provided so that the variation of family budget assets dependent on income and outgo can be confirmed and managed by periods or items if a client makes out a household account book clicking an income/outgo specification after registering his asset specifications. CONSTITUTION: A user registers as a member by inputting his private information(S100). The user registers various asset information, such as the present status of assets, credit card information, automatic transfer transaction status, family budget and so on(S200). Clicking an income/outgo specification, the user makes out a household account book and stores the asset variation of the household account book(S300). Extrinsic services, such as personal credit card management, asset management, schedule management, etc., are executed and results, such as period-wise income/outgo status, itemized outgo variation, the status of receipts and disbursements, etc., are displayed(400).

Description

METHOD FOR PERSONAL FINANCIAL MANAGEMENT USING A HOUSEKEEPING BOOK AND ITS RECORDING MEDIUM}

The present invention relates to a personal financial management method using a household account book and a computer-readable recording medium recording the method, and more specifically, after storing various personal property details registered by the client, the household account book by clicking the income / expenditure history In this example, the change in household assets according to the income / expenditure of households allows the client to check and manage by period or item desired.

In general, personal financial management (PFM) has developed due to the need for the US environment in which individuals must settle their income and file income tax returns individually.

Today, the development of the Internet has increased the necessity of computer-based financial management, and the development of software has diversified user's needs. Now, the need for more efficient investment management and future design is not just financial management. have.

In Korea, the use of cash and the lack of active financial management have made the need for PFM relatively low. However, in recent years, the use of credit cards has increased and interest in Internet banking has increased. In particular, banks, securities, and insurance companies are entering the Internet financial market, and PFM is able to manage them and effectively manage personal finances. Software and Internet websites are desperately needed.

However, in the conventional PFM software, it is difficult for the user to check the change of assets individually because the user has to separate the change of the asset by item and input the corresponding item whenever there is a change in an individual's asset. Asset management and future planning were difficult.

In addition, it is difficult to reflect various market indices, such as stock prices, interest rates, exchange rates, prices, crude oil prices, real estate price indexes, and comprehensive taxation, which have not been accurately measured. There were many cases that could not be identified at a glance, exceeding the established budget, excessive spending, and the appropriate financial ratio.

The present invention is to overcome the above-mentioned conventional problems, an object of the present invention is to change the household assets according to the income / expenditure of the household, if the client registers the personal asset details, then click the income / expenditure details to create the account book The present invention provides a method of personal financial management using a household account book and a computer-readable recording medium that records the method, which enables efficient personal financial management and evaluation by checking and managing each period or item.

Another object of the present invention is a personal financial management method using a household account book that allows the client to check the status of income / expenditure for each period, expenditure change for each item, and the balance of change by graphs and numbers, and a computer-readable method of recording the method. To provide a recording medium.

Another object of the present invention is to make it easy to input the income / expenditure details by simply clicking on the account balance item classification details of the National Statistical Office in the preparation of the household account book, and to calculate the income / expenditure details using the statistical data of the National Statistical Office To provide a personal financial management method using a household account book that can be compared and a computer-readable recording medium recording the method.

It is another object of the present invention to provide a method of personal financial management using a household account book that outputs a warning message when an excess of expenditure and an appropriate financial ratio are exceeded by comparing an established budget with an execution, and a computer-readable recording medium recording the method. It is.

As a technical idea for achieving the object of the present invention, a system comprising a plurality of clients having a web browser, a web server providing a service requested by the client, and the Internet connecting the client and the web server Personal financial management method using the household account in the user setting and membership registration step to register the member to enter the personal information, such as environment settings, name, address, occupation, family status necessary for accessing the website; A personal asset registration step of registering various asset information such as current asset status, credit card information, direct debit transaction status, and household budget; An account book creation step of creating an account book by clicking on the income / expenditure details of the household on the screen window of the account book, and storing the change in assets of the created account book; Display the household's savings book and debt book according to the asset change, or execute additional services such as personal credit card management, asset management, and schedule management, and the client's desired period of income / expenditure, fluctuation of each item, balance of balance And an additional menu execution and result display step of displaying a situation and the like in graphs and numbers.

1 is a view showing a personal financial management system using an account book in accordance with the present invention.

FIG. 2A shows the structure of the PFM database 180 of FIG.

2B illustrates the structure of the statistics database 190 of FIG.

3 is an overall flowchart of a personal financial management method using an account book in accordance with the present invention.

4A and 4B are detailed flowcharts of a personal financial management method using the account book of FIG. 3.

5 to 7 are views showing the screen window according to the execution of the account book creation program.

Explanation of symbols on the main parts of the drawings

10: client 100: website server

110: web server connection unit 120: web server control unit

130: user I / O processing unit 140: search engine

150: web browser generation unit 160: application program unit

170: firewall 180: PFM DB

190: Statistics DB

Hereinafter, an embodiment of the present invention will be described with reference to the accompanying drawings.

1 is a view showing a personal financial management system using an account book in accordance with the present invention.

Referring to FIG. 1, a plurality of clients 10 having a web browser for requesting personal financial management by accessing a website server 100 through the Internet; A plurality of financial institutions that access a website server 100 through a dedicated circuit, enter into a financial transaction contract with a website, and provide various financial services; It is composed of a website server 100 that manages the financial of the plurality of clients 10, and provides a variety of financial management services according to the request of the client (10).

The website server 100 includes a website connection unit 110 to which a plurality of clients 10 are connected through the Internet; After processing a variety of data input from the plurality of clients (10) and stores in a PFM database (Data Base: DB) 180, and outputs the results according to the request of the client ( An output user I / O processing unit 130; A search engine (140) for retrieving a result from a database when a request is input from the client (10); A web browser generation unit 150 for generating a web browser so that the client 10 can check the results searched by the search engine 140 or various financial conditions through a browser; An application program unit 160 for storing and executing programs supporting various services such as account book creation and schedule management; A firewall 170 for restricting database access of unregistered clients 10 and preventing leakage of information; A PFM DB 180 for storing various asset information such as current asset status, credit card information, direct debit transaction status, and household budget registered by the client 10 and variable asset information according to income / expenditure details; A statistics DB 190 for storing various consumption tendencies and average models according to statistics office data; It is composed of a web server control unit 120 for controlling the configuration of all the website server 100.

FIG. 2A illustrates the structure of the PFM database 180 of FIG. 1, and FIG. 2B illustrates the structure of the statistical database 190 of FIG. 1.

Referring to FIG. 2A, the PFM DB 180 stores a debt DB 181 that stores a current debt status and a variable debt status registered by the client 10, and a current saving status and a variable saving of the client 10. A savings DB 182 for storing the current status, a stock asset DB 183 for storing the current and current status of the securities assets of the client 10 and a credit card being used by the client 10. Credit card DB (184) for storing credit card information, such as payment date, usage period, amount of use, and schedule management DB for storing schedule information to manage the schedule according to the client's personal information and asset information input ( 185), a household budget DB 186 for storing short-term and long-term funding needs and budgets of the client 10, and a household account item classification table according to the classification of the National Statistical Office required for the preparation of the household account book of the client 10. It is separated by a resin item category DB (187) and debit financial transactions item DB (188) for storing a financial debit transaction entry in the client 10.

Referring to FIG. 2B, the statistics database 190 includes an age-specific consumption propensity DB for storing age-specific consumption propensity statistics according to statistics office data for comparing the current income / expenditure and consumption propensity of the client 10 with the average model. 191), a consumption propensity DB (192) for each of income-saving statistics, income average model DB (193) for storing the average income model of urban households, and average household expenditure model of urban households The expenditure average model DB (194).

3 is an overall flowchart of a personal financial management method using the account book according to the present invention, and FIGS. 4A and 4B are detailed flowcharts of the personal financial management method using the account book of FIG. 3.

Referring to FIG. 3, a plurality of clients 10 having a web browser, a web server 100 providing a service requested by the client 10, the client 10, and a web server 100 are described. In the system consisting of the Internet that connects the personal financial management method using the household account book,

A user setting and member registration step of registering a member by inputting environment settings and personal information necessary for accessing a website (S100); A personal property registration step (S200) for registering various asset information such as current asset status, credit card information, direct debit transaction status, and household budget; An account book making step (S300) of creating a book by clicking the income / expenditure details of the household on the screen window of the book, and storing the changed asset of the book; Display the household's savings book and debt book according to the asset change, or execute additional services such as personal credit card management, asset management, and schedule management, and the client's desired period of income / expenditure, fluctuation of each item, balance of balance An additional menu execution and result display step S400 of displaying a situation and the like as a graph and a number is performed.

Referring to FIG. 4A, the user setting and member registration step (S100) includes a step of setting a user by inputting personal information of the client 10 (S110), and when the user setting is completed, an environment necessary for accessing a website. It consists of a step (S120) and the step of accessing the website (100) and signing up for a member (S130).

The personal property registration step (S200) is to select a mail notification service, and register the current asset status of debt, savings, securities assets, etc. (S210), credit card usage in use, payment date, period of use, etc. Registering credit card information (S220), registering all transactions in a direct debit transaction of a financial institution (S230), and registering a household budget, such as whether the short-term and long-term fund needs plan and budget reflected (S240) It is composed.

The account book preparation step (S300) is to set up the account book of the year, preparing the account book by selecting the account book of the year (S305, S310), and when the account book input window appears, select the import / expenditure item and click the add button Selecting to open a pop-up window (S315, S320) to enter the corresponding transaction (S315, S320), and input the corresponding transaction in the pop-up window and then store the transaction details in the PFM DB (180), the transaction details Steps to book on the item (S325, S330, S335), and if the book is completed in the bookkeeping step (S340) to determine whether there is input of other income / expenditure history, and if there is no input of other income / expenditure details And displaying the screen of the balance and the entry / exit transaction details after the transaction is booked (S345), determining whether there is another additional menu selection, and ending the service if there is no other additional menu selection (S350).

Referring to FIG. 4B, the step of executing the additional menu and displaying the result (S400) may include determining whether the client 10 selects a “storage book” menu button (S410), and the client 10 may “save” the saving. If the "book" menu button is selected to display the savings book (S415), and if the client 10 does not select the "storage book" menu button in step S410 (S420) determining whether to select the "debt book" menu button (S420) And, if the client 10 selects the "debt book" menu button (S425) and displays the debt book (S425), and if the client 10 does not select the "debt book" menu button in step S420 "credit card" Determining whether or not to select the "manage" menu button (S430), and if the client 10 selects the "Credit card management" menu button (S435), and in step S430 If the client 10 does not select the "credit card management" menu button (S440) and determines whether to select the "Asset Statement" menu button, and if the client 10 selects the "Asset Statement" menu button Displaying the asset status table (S445), and if the client 10 does not select the "Asset Status" menu button in step S440 (S450) and determines whether to select the "Schedule Management" menu button (S450), and the client If 10 selects the "Calendar" menu button, it displays a step (S455) of displaying a schedule table.

Referring to the accompanying drawings with respect to the operation of the present invention made of a configuration as described above are as follows.

First, a user as a client 10 accesses the Internet through a web browser, accesses the web server connection unit 110 of the website server 100, and then user name, password, family information, annual income, customer registration and initial screen. Set (S110).

When the user setting is completed, the user needs to set an environment for accessing the website 100. The website requests the use of notification of card details, whether to use securities or fund quote information, whether to use market information down (S120).

When the environment setting is completed, enter the personal information such as ID (ID), password, address, phone number, occupation, etc. to register the member (S130). At this time, the client 10 subscribed to the website, such as real-time notification when the use of credit card, exceeding the appropriate limit alert service, real-time status and yield check service of securities or funds, and daily financial market trends can be downloaded (Download) You can receive various personal financial management supplementary services.

When member registration is completed, the client 10 registers its asset status as much as possible according to a predetermined form provided by the website (S210). At this time, if you want to be notified of the mail, select the mail notification service, and enter the cash-based assets, real estate, financial assets, real estate and other assets and short-term liabilities, mid- to long-term liabilities and other liabilities owned.

When the asset status registration is completed, the client 10 registers credit card information such as usage, settlement date, period of use, and card number of the credit card being used (S220). In addition, if you want a mail notification service, you can apply for details such as credit card usage, proper usage, remaining limit notification service and warning message when appropriate usage is exceeded.

Next, when the registration of credit card information is completed, all transactions currently in the direct debit transaction of the financial institution, for example, the bank account number, payment date, payment details, payment amount, etc. are registered (S230). At this time, if you register the status of direct debit transactions, the transaction is automatically booked to the account book on the corresponding day of each month, the change of the asset is stored in the PFM DB (180), if the balance of the debit account is insufficient in advance To the client 10.

When the direct debit transaction status registration is completed, the short-term and short-term funding needs, such as housing funds, children's school expenses plan, marriage cost plan, emergency medical expenses, etc. are registered according to priority and set to execute the savings every month (S240). At this time, the set items are automatically budgeted to the monthly budget item, and the monthly amount can be adjusted according to the period and amount. In addition, a budget is created for each item of the year, and it can be modified monthly.

At this time, in the above-described personal property registration step (S200), the client 10 as a user accesses the web server connection unit 120 of the website server 100 through the Internet, and the current asset status of the individual, credit card information, and automatic transfer. When registering various asset information such as transaction status and household budget, the user I / O processing unit 130 of the website server 100 performs input processing of various asset information, and the data is classified into various sorted data of the PFM DB 180. Save the matter to DB (181 ~ 188).

When the personal property registration step (S200) is completed as described above, the bookkeeping program of the website application program unit 160 is executed.

5 to 7 are diagrams showing a screen window according to the execution of the account book creation program, FIG. 5 is a view showing an initial screen of the account book creation program, and FIG. 6 is an import transaction popup according to the selection of the additional button of FIG. 5. FIG. 7 is a diagram illustrating a window, and FIG. 7 is a diagram illustrating a spending transaction popup window according to the selection of an additional button of FIG. 5.

When the account book creation program is executed, the account book creation screen of the current year / month / day is set as a default and displayed as shown in FIG. 5.

If you want to create a household account for a certain year / month / day, select the "calendar" key on the screen to move to set the household account for the year (S305). At this time, households are largely classified by year.

When the setting of the account book of the year is completed, the corresponding month / day of the year is selected to prepare the account book by displaying the household items of a specific day (S310).

After the account book creation screen of FIG. 5 is displayed, if the import transaction is selected, select the "income" button on the screen to book a transaction, and if the spending transaction, select the "spend" button on the screen to book a transaction (S315).

Next, in the case of adding a new transaction, the pop-up window of FIGS. 6 and 7 is displayed by selecting the “add” button of the account book creation screen from the default value selected as the final transaction (S320). At this time, if you want to add the contents of a certain date, press the "Calendar" button in the pop-up window, you can select the year / month / day.

If a popup window for inputting the transaction is displayed, the corresponding transaction is input in the popup window (S325). When the additional pop-up window according to the import transaction is displayed as shown in FIG. 6, press the “▼” button of the import item to select the import item. If you press “▼” button of the import item, the import item is expanded to the category path of the upper item and the lower item as shown in Table 1. If you double-click the item, the lower item appears and is registered in the final selection.

In this case, the import item classification of Table 1 is stored in the household balance item classification DB 187 of the PFM DB 180 by assigning respective code values to the item classification based on the item classification cleanup table of the National Statistical Office.

If you are not sure of the category path of the import item or want to register it immediately, enter the import item in the search box and press the "Search" button so that the category path appears directly in the input window. In addition, the other party inputs the other party of the import transaction, and the amount is registered without a comma (,).

When registration is completed in all pop-up windows, select the book connection. If you select the "Yes" button, the input is stored in the PFM DB 180 of the corresponding book (S330), and related books, for example, saving book, debt book In the corresponding column of the credit card management book, etc. (S335).

Meanwhile, when the additional pop-up window according to the expenditure transaction is displayed as shown in FIG. 7, the expenditure item is selected by pressing the “▼” button of the expenditure item.

As with the import items, pressing the "▼" button of the expenditure item expands the expenditure item as a category path as shown in Table 2, and when the item is double-clicked, a sub item appears and is registered in the final selection.

In this case, the expenditure item classification of Table 2 is also stored in the household balance item classification DB 187 of the PFM DB 180 by assigning respective code values to the item classification based on the item classification cleanup table of the National Statistical Office, similar to the income item classification. .

The additional pop-up window according to the spending transaction requires the selection of the payment method differently from the pop-up window of the import transaction. When the "▼" button of the payment method is pressed, it is classified as a category path in the same way as the expenditure item and is expanded as shown in Table 3, It is displayed to select the payment method.

Like the pop-up window of the import transaction, the other party and the amount is registered in the expenditure transaction pop-up window, and when the registration is completed, the book connection is selected. When the "Yes" button is selected, the input is stored in the PFM DB 180 of the book. The relevant books, for example, savings books, debt books, credit card management books, etc. are listed in the relevant fields. Referring to FIG. 7, in the case of this transaction, a 5-month installment transaction 100,000 won is added to the Samsung card book of the credit card management book on July 5, 2000.

In this case, the millet is the principle of the millet on the day, but the millet can be made even after the corresponding day, and can be modified and deleted.

When the book is completed in the account book, it is determined whether there is an input of other income / expenditure details (S340), and if there is no input of other income / expenditure details, a screen of the balance and the entry / exit transaction details after the last transaction is displayed (S345). At this time, the balance after the last transaction booked and the history of incoming and outgoing transactions are displayed for each tab of "import", "expenditure", "view all".

When the display of the balance and the entry / exit transaction is completed, it is determined whether there is another additional menu selection, and when there is no other additional menu selection, the service is terminated (S350).

On the other hand, if there is another submenu selection, the submenu execution and result display step S400 is executed.

A portion of the screen window on which the account book program is executed is provided with a menu button for selecting additional services such as "saving book", "debt book", "credit card management", "assessment status", "schedule management".

First, it is determined whether the "saving book" menu button is selected from the client 10 (S410), and when the client 10 selects the saving book menu button (S415). At this time, the savings book records the sum of the variable savings assets at the time according to the household book making based on the savings assets registered by the client 10 in the savings DB 182 of the PFM DB 180 and the final transaction. The final savings asset is again stored in the savings DB 182.

If the client 10 does not select the "saving book" menu button in step S410, it is determined whether the "debt book" menu button is selected (S420), and if the client 10 selects the "debt book" menu button, the debt The ledger is displayed (S425). In this case, like the savings book, the total value of the variable debt assets resulting from the creation of the household book is recorded in the debt DB 181 of the PFM DB 180 based on the debt assets initially registered by the client 10.

If the client 10 does not select the "debt book" menu button in step S420, it is determined whether to select the "credit card management" menu button (S430), if the client 10 selects the "credit card management" menu button The credit card management book is displayed (S435). At this time, in the credit card management book, the variable credit card transaction information according to the account book preparation is recorded on the credit card DB 184 of the PFM DB 180 based on the credit card information first registered by the client 10.

If the client 10 does not select the "credit card management" menu button in step S430, it is determined whether to select the "assets table" menu button (S440), and the client 10 selects the "assets table" menu button. If it is displayed (S445).

The asset status table shows all the assets of the client 10, such as cash equivalents, real estate, savings assets, securities assets, retirement assets, real estate, and other assets, as well as various liabilities, for example, short-term liabilities as shown in Table 4. , Mid- to long-term liabilities, and other liabilities are displayed so that you can check at a glance.

At this time, the website server 100 based on the transaction history stored in the saving DB (182), debt DB (181), securities asset DB (183), credit card DB (184) of the PFM DB (180) at that time Prepare a table of assets that reflects changes in transaction history and various market indices, such as stock prices, interest rates, exchange rates, prices, oil prices, real estate price indexes, and comprehensive taxation.

If the client 10 does not select the "Asset Status" menu button in step S440, it is determined whether the "Schedule Management" menu button is selected (S450), and when the client 10 selects the "Schedule Management" menu button, The management table is displayed (S455). At this time, the schedule management table is displayed in the schedule management DB 185 of the PFM DB 180 reflecting the schedule recorded in the schedule registered by the client for the first time. Schedule management has a function of notifying a frequently occurring transaction, for example, a birthday, an anniversary, a memorial service, etc., before the scheduled transaction occurs when the program is executed.

In addition to the above-mentioned additional services, services such as year / month / day balance reports, year / month budgets and financial statements, balance changes, monthly income / expenditure trends, monthly asset / debt trends, and expenditure comparisons per item can be displayed in graphs and / or numbers. It is easy to check, and based on statistical data such as consumption tendency by age, consumption tendency by income, average income model, average spending model, etc. stored in the statistics DB 190 of the website 100, the average model of the income / expenditure history Can be compared with

In addition, various reports such as transaction output report, balance sheet, income statement, cash flow statement, and credit card payment history output report, as well as the investment history of portfolio and securities can be inquired and managed.

What has been described above is only one embodiment for implementing a personal financial management method using an account book according to the present invention, the present invention is not limited to the above-described embodiment, as claimed in the following claims Without departing from the gist of the invention, anyone of ordinary skill in the art to which the present invention will have the technical spirit of the present invention to the extent that various modifications can be made.

As described above, the personal financial management method using the account book according to the present invention and the computer-readable recording medium recording the method stores the personal property details registered by the client, and then clicks the income / expenditure record to display the account book. In this way, changes in household assets due to household income / expenditure can be identified and managed by period or item, enabling efficient personal financial management and evaluation.

In addition, by allowing clients to compare and analyze the income / expenditure of each period, the change in spending by each item, and the change in the balance by graphs and numbers, the client can check his / her financial status visually and easily. It is possible to reflect in real time.

In preparing the account book of the present invention, it is possible to easily input income / expenditure details by simply clicking on the household balance item classification details of the National Statistical Office, and to compare the income / expenditure details with the average model using statistical data of the National Statistical Office. It works.

In addition, by comparing the budget and execution set by the client 10 and outputs a warning message when the excess expenditure and the appropriate financial ratio is exceeded, it is possible to help the household by reducing the spending transaction in the subsequent budget execution.

Claims (7)

A plurality of clients 10 having a web browser, a web server 100 providing a service requested by the client 10, and the Internet connecting the client 10 and the web server 100 to the Internet. In the personal financial management method using the system, A user setting and member registration step (S100) for registering a member by inputting environment settings and personal information necessary for accessing the website server (100); When the user setting and membership registration is completed, the personal property registration step (S200) for registering various asset information, such as the current asset status, credit card information, direct debit transaction status and household budget; When the registration of the personal assets is completed, the household book creation step (S300) for storing the changes in the assets of the household book by creating a household book by clicking the income / expenditure history of the household on the screen window of the household book; An additional menu that displays the savings and debt books of households according to the asset change or executes other additional services, and displays the income / expenditure status, expenditure fluctuations of each item, and the balance of payments by the client in graphs and numbers. Personal financial management method using the household, characterized in that consisting of the execution and result display step (S400). The method of claim 1, wherein the step of preparing the account book (S300) comprises the steps of setting the account book of the year, preparing the account book by selecting the account book of the year (S305, S310), Steps to open the pop-up window (S315, S320) to enter the relevant transaction by selecting the import / expenditure item and then add button when the household account input window appears, Inputting the corresponding transaction in the pop-up window, storing the transaction details in a database (DB), and listing the transaction details in the corresponding item (S325, S330, S335); Determining whether there is an input of other income / expenditure details when the bookkeeping is completed in the account book (S340); If there is no input of other income / expenditure details, displaying a screen of balance and inbound / outgoing transaction details after the last transaction book (S345); Determining whether there is another additional menu selection, and if there is no other additional menu selection, terminating the service (S350). The method of claim 2, wherein the step of inputting the corresponding transaction in the pop-up window (S325), when the button of the transaction item is expanded to the category path of the upper item and the lower item to double-click to enter the corresponding transaction item Personal financial management method using the household account book characterized by. The method of claim 3, wherein the transaction item is a personal financial management method using a household account book, characterized in that to assign a code value to each of the details on the basis of the statistics classification table. A plurality of clients 10 having a web browser, a web server 100 providing a service requested by the client 10, and the Internet connecting the client 10 and the web server 100 to the Internet. In the system, A user setting and member registration step (S100) for registering a member by inputting environment settings and personal information necessary for accessing the website server (100); When the user setting and membership registration is completed, the personal property registration step (S200) for registering various asset information, such as the current asset status, credit card information, direct debit transaction status and household budget; When the registration of the personal assets is completed, the household book creation step (S300) for storing the changes in the assets of the household book by creating a household book by clicking the income / expenditure history of the household on the screen window of the household book; An additional menu that displays the savings and debt books of households according to the asset change or executes other additional services, and displays the income / expenditure status, expenditure fluctuations of each item, and the balance of payments by the client in graphs and numbers. Computer-readable recording medium recording the personal financial management method using the account book, characterized in that the execution and result display step (S400). The method of claim 5, wherein the step of preparing the account book (S300) comprises the steps of setting the account book of the year, preparing the account book by selecting the account book of the year (S305, S310), Steps to open the pop-up window (S315, S320) to enter the relevant transaction by selecting the import / expenditure item and then add button when the household account input window appears, Inputting the corresponding transaction in the pop-up window, storing the transaction details in a database (DB), and listing the transaction details in the corresponding item (S325, S330, S335); Determining whether there is an input of other income / expenditure details when the bookkeeping is completed in the account book (S340); If there is no input of other income / expenditure details, displaying a screen of balance and inbound / outgoing transaction details after the last transaction book (S345); The computer-readable recording medium recording the personal financial management method using the account book, characterized in that the step (S350) is terminated if there is no additional menu selection after determining whether there is another additional menu selection. The computer-readable recording medium of claim 5 or 6, wherein the computer-readable recording medium is a CD-ROM or a floppy disk-type medium. .