WO2007032612A1

WO2007032612A1 - A personal ledger with daily planner for personal and home use

Info

Publication number: WO2007032612A1
Application number: PCT/KR2006/003489
Authority: WO
Inventors: Changyin Chung
Original assignee: Changyin Chung
Priority date: 2005-09-15
Filing date: 2006-09-04
Publication date: 2007-03-22
Also published as: KR100663989B1

Abstract

A finance management ledger with a schedule management capable of easily managing personal and home financial affaires and systematically writing and recording them is disclosed. The finance management ledger with the schedule management comprises an estimated financial affaires preparation page having a life cycle check table for selecting and displaying any one of a childhood column, an adolescence column, a newlywed period column, a manhood column and a senescence column, a life cycle pattern table, and a main financial affairs table according to the divided life cycle; a financial target preparation page for writing a content, a necessary money, a saving target of the current year and an achievement date according to a short-term financial target under one year, a middle-term financial target of 1 through 5 years and a long-term financial target more than 5 years; an assets status preparation page for writing quarterly assets and debts status; an annual financial preparation page for writing daily and monthly main financial affairs for a year; an annual budget/settlement preparation page for writing monthly budget and settlement as an income, an expenditure and a saving respectively; a fixed expenses preparation page for writing an expenditure and a payment date according to each item for a year; a cash status preparation page for writing a monthly status according to each bank account and card; a monthly estimated financial affairs and schedule preparation page for writing daily estimated income, expenditure column, saving moneys and daily estimated schedules; a daily financial affairs preparation page for writing daily schedules and daily income and expenditure breakdown; a monthly income and outgo status preparation page for writing weekly composite incomes including a loan and weekly expenditures including a saving and an insurance and so on for a month; and an annual income and outgo status preparation page for writing monthly composite incomes including a loan and weekly expenditures including a saving and an insurance and so on for a year.

Description

A PERSONAL LEDGER WITH DAILY PLANNER FOR PERSONAL AND HOME USE

Technical Field

[1] The present invention relates to a finance management ledger with a schedule management, and more particularly to a finance management ledger with a schedule management capable of properly managing schedules and financial affaires according to a status and an age of a user and performing daily, monthly and annually financial managements. Background Art

[2] According to the diversification of society, it is necessary for an individual to treat various businesses. Accordingly, the means for managing schedules has been come into wide use.

[3] As the means for managing schedules, there are a notebook and an electric diary using a computer and so on.

[4] However, since it is uneasy to carry and has difficulty in operating the electric diary during the talk with a client, there is restricted in use. Also, in case of the notebook diary, it can effectively perform the schedule management. However, there is a problem in that a notebook or an electric diary for a financial management should be required separately.

[5]

Disclosure of Invention Technical Problem

[6] Accordingly, the present invention has been made to solve the above-mentioned problems occurring in the prior art, and a first object of the present invention is to provide a finance management ledger with a schedule management capable of checking main financial affairs according to a life cycle of a user, making short-term and long-term financial plans, and checking earnings and expenses according to the financial plan.

[7] Another object of the present invention is to provide a finance management ledger with a schedule management capable of making short-term, middle-term, and long- term financial plans according to circumstances and an age of the user, calculating yearly savings for financial management according to the financial plan, managing daily and monthly expenses, providing year-end settlement data, and managing daily schedules.

[8] Technical Solution

[9] To accomplish the objects, the present invention provides a finance management ledger with a schedule management comprising: an estimated financial affaires preparation page having a life cycle check table for selecting and displaying any one of a childhood column, an adolescence column, a newlywed period column, a manhood column and a senescence column, a life cycle pattern table, and a main financial affairs table according to the divided life cycle; a financial target preparation page for writing a content, a necessary money, a saving target of the current year and an achievement date according to a short-term financial target under one year, a middle-term financial target of 1 through 5 years and a long-term financial target more than 5 years; an assets status preparation page for writing quarterly assets and debts status; an annual financial preparation page for writing daily and monthly main financial affairs for a year; an annual budget/settlement preparation page for writing monthly budget and settlement as an income, an expenditure and a saving respectively; a fixed expenses preparation page for writing an expenditure and a payment date according to each item for a year; a cash status preparation page for writing a monthly status according to each bank account and card; a monthly estimated financial affairs and schedule preparation page for writing daily estimated income, expenditure column, saving moneys and daily estimated schedules; a daily financial affairs preparation page for writing daily schedules and daily income and expenditure breakdown; a monthly income and outgo status preparation page for writing weekly composite incomes including a loan and weekly expenditures including a saving and an insurance and so on for a month; and an annual income and outgo status preparation page for writing monthly composite incomes including a loan and weekly expenditures including a saving and an insurance and so on for a year.

Advantageous Effects

[10] As can be seen from the foregoing, in the finance management ledger with the schedule management, it can make the financial plans according to the status of the user that is, his age and spot and so on, manage the income, expenditure and saving according to the financial plans and analyze and evaluate whether the financial plans are accomplished well or not.

[11] Also, it can systematically manage the financial affairs according to the daily, monthly and yearly financial managements and check the schedule management and the daily financial status at a glance.

[12] Moreover, it can calculate the year-end financial management status using the accumulated daily and monthly financial management data and easily make the year-end income tax return. Brief Description of the Drawings

[14] The above as well as the other objects, features and advantages of the present invention will be more apparent from the following detailed description taken in conjunction with the accompanying drawings, in which: [15] FIG. 1 illustrates a financial affaires preparation page according to a life cycle of a user; [16] FIG. 2 illustrates a financial target preparation page divided into a short-term, a middle-term and a long-term according to a life cycle and life style of a user; [17] FIG. 3 illustrates an assets status preparation page for checking a present assets status by a quarter;

[18] FIG. 4 illustrates an estimated financial affairs generated for a year;

[19] FIG. 5 illustrates an annual budget/settlement preparation page;

[20] FIG. 6 illustrates an annual fixed expenses preparation page;

[21] FIG. 7 illustrates an annual preparation page of expenses for congratulations and condolences; [22] FIG. 8 illustrates a cash status preparation page having an account name column and an account card column;

[23] FIG. 9 illustrates a preparation page of monthly fixed expenses items and contents;

[24] FIG. 10 illustrates a preparation page of fixed date floating expenditure items and contents; [25] FIG. 11 illustrates a monthly estimated financial affairs and schedule preparation page;

[26] FIG. 12 illustrates a daily financial affairs preparation page;

[27] FIG. 13 illustrates a preparation page of weekly income and outgo and month-end income and outgo sum;

[28] FIG. 14 illustrates a preparation page of month-end expenditure by payment means;

[29] FIG. 15 illustrates a preparation page of monthly income status;

[30] FIG. 16 illustrates a preparation page of monthly saving status;

[31] FIG. 17 illustrates a monthly income and outgo status preparation page;

[32] FIG. 18 illustrates a preparation page of a monthly expenditure breakdown by composite income tax deduction items;

[33] FIG. 19 illustrates a preparation page of yearly expenditure sum by payment means;

[34] FIG. 20 illustrates one example of the annual income and outgo status preparation page; [35] FIG. 21 illustrates a preparation page of total income and saving for the year-end tax adjustment; [36] FIG. 22 illustrates a preparation page of an yearly sum by the year-end composite income tax deduction items; and

[37] FIG. 23, 24 and 25 illustrate financial affairs recording preparation pages for schedule management different from that of FIG. 12.

[38]

Best Mode for Carrying Out the Invention

[39] A preferred embodiment of the invention will be described in detail below with reference to the accompanying drawings.

[40] The finance management ledger according to the present invention includes a preparation page of expenses for congratulations and condolences for entering the expenditure breakdown of expenses for congratulations and condolences, a preparation page of monthly fixed expenses for entering the expenditure breakdown of the monthly fixed expenses per a month, a preparation page of fixed date floating expenditure for entering the fixed expenditure breakdown disbursed on the fixed date, a preparation page of monthly income and outgo for entering the weekly status of an income, an expenditure and a saving divided by a week unit, a preparation page of monthly income for entering the income by a week, a preparation page of monthly saving for entering the saving status divided by a week unit, and a preparation page of a expenditure breakdown by composite income tax deduction items for entering the expenditure breakdown corresponding to the deduction items during the year-end composite income tax return.

[41] Each preparation page will be described in detail below.

[42] The estimated financial affaires preparation page according to the life cycle illustrates the financial affairs generated according to the status of the user of the finance management ledger, that is, his age, family or marriage in the future. Also, in the estimated financial affaires preparation page, the estimated financial affaires can be written in a blank space according to the characteristics of the user.

[43] The estimated financial affaires preparation page according to the life cycle, as shown in FIG. 1, includes a life cycle check table, a life cycle pattern table and a financial affaires table according to the life cycle.

[44] The life cycle check table includes a childhood column, an adolescence column, a newlywed period column, a manhood column, and a senescence column arranged in a line and the preparation columns of the user as blank spaces for writing the pertinent period of the user thereon.

[45] The life cycle pattern table includes a first pattern divided into a childhood, an adolescence, a newlywed period, a first period of bring up children, a second period of bring up children, a children independence period and a senescence, a second pattern divided into a childhood, an adolescence, a newlywed period, a heirless manhood, and a senescence, and a third pattern divided into a childhood, an adolescence, a single life manhood, and a senescence in order to select the corresponding pattern according to the status of the user, that is, his age, family or marriage.

[46] In the financial affaires table according to the life cycle, main financial affairs of each period based on an ordinary person belonging to the first pattern are written. The user can directly write the estimated financial affaires in a blank space according to the characteristics thereof.

[47] As shown in FIG. 2, in a financial target preparation page, an estimated money necessary for the estimated financial affaires of the financial affaires table according to the life cycle of the estimated financial affairs preparation page or the specific estimated financial affaires, an annual saving target and an achievement date of the financial target are written so as to check "yes" or "no" of the target reaching for the future. The financial target preparation page includes a short-term target column, a middle-term target column, a long-term target column arranged on a left side of a vertical line in a line, a content column, a necessary money column, a saving target column of the current year and an achievement date column arranged in an upper side of a horizontal line, and a plurality of blank columns arranged in vertical and horizontal lines correspondingly with each column.

[48] As shown in FIG. 3, in an assets status preparation page, the user can check the present assets status in order to help to the financial plan in future. The assets status preparation page includes a financial assets column, an immovable property column, a movable property column, the rest properties column, a short-term debt column, an allotment column and a bank advances column arranged on a left side of a vertical line in a line and quarter divided columns divided into four quarters arranged in an upper portion of a horizontal line.

[49] The financial assets column includes a money column, an ordinary deposit column, a saving deposit column and the rest column arranged at a right side thereof and a plurality of blank columns arranged in vertical and horizontal lines correspondingly with each column.

[50] The immovable property column includes a house column, a land column, and the rest column arranged at a right side thereof and a plurality of blank columns arranged in vertical and horizontal lines correspondingly with each column.

[51] The movable property column includes a car column, a furniture column, home appliances column, an art object/curious/jewel column, and the rest column arranged at a right side thereof and a plurality of blank columns arranged in vertical and horizontal lines correspondingly with each column.

[52] The rest properties column includes a stocks/credit column, a membership card column, a lending money column, and the rest column arranged at a right side thereof and a plurality of blank columns arranged in vertical and horizontal lines correspondingly with each column.

[53] The short-term debt column includes a credit card column, an account bill column, a taxes column, a dues column, loan money and the rest column arranged at a right side thereof and a plurality of blank columns arranged in vertical and horizontal lines correspondingly with each column.

[54] The allotment column includes an apartment-application deposit column, an automobile allotment column, and the rest column arranged at a right side thereof and a plurality of blank columns arranged in vertical and horizontal lines correspondingly with each column.

[55] The bank advances column includes a secured loan column, a school expenses column, an insurance money column, and the rest column arranged at a right side thereof and a plurality of blank columns arranged in vertical and horizontal lines correspondingly with each column.

[56] Here, the assets status preparation page further includes the total assets column between the rest properties column and the short-term debt column in a line. Also, the assets status preparation page further includes the total debt column below the bank advances column and a net assets column for writing the net assets subtracting the total debt from the total assets below the total debt column.

[57] Accordingly, the assets status can be written in the assets status preparation page per a quarter year, so that it can always check whether the assets status is approached to the financial target or not and it can set a new financial target.

[58] As shown in FIG. 4, in an annual financial preparation page, the estimated financial affairs generated for a year can be written in order to previously check out the estimated financial affairs at the beginning of the year and control the balance between income and outgo. The annual financial preparation page includes date columns arranged on a left side of a vertical line in a line, month columns arranged in an upper portion of a horizontal line, and a plurality of blank columns for writing the generated financial affairs for a year arranged in vertical and horizontal lines correspondingly with each column. Here, the estimated financial affairs may be a religious service, a birthday, a wedding anniversary and so on.

[59] As shown in FIG. 5, in an annual budget/settlement preparation page for complementing the function of the annual financial preparation page, it can make a new budget on the basis of the expenses involved through the particular affairs written in the annual financial preparation page and an estimated income generated from the present status and check the annual budget and settlement at a glance by means of the financial settlement at the end of the year, thereby the compilation of the budget and the financial management can be minutely implemented. The annual budget/settlement preparation page includes an annual budget table and an annual settlement table, each table including month columns arranged on a left side of a vertical line in a line, item columns such as an income column, an expenditure column, a saving column and a memo column arranged in an upper portion of a horizontal line, and a plurality of blank columns arranged in vertical and horizontal lines correspondingly with each column.

[60] As shown in FIG. 6, in a fixed expenses preparation page, the expenditure on the financial affairs already known can be written. The fixed expenses preparation page includes an item column, a sum column, a payment date column, and a memo column arranged in an upper portion of a horizontal line and a plurality of blank columns arranged in vertical and horizontal lines below them.

[61] As shown in FIG. 8, a cash status preparation page includes an account name column, an account card column, month columns and a memo column arranged in an upper portion of a horizontal line and a plurality of blank columns arranged in vertical and horizontal lines below them. The using status of the bank account and the credit card can be written in the cash status preparation page at any time, so that it can implement effective and reasonable consumption.

[62] As shown in FIG. 12, a daily financial affairs preparation page includes a content column, an income column, an expenditure column, and a saving/memo column arranged in an upper portion of a horizontal line, and divided columns arranged in a predetermined distance at a right side thereof, and a plurality of blank columns arranged in vertical and horizontal lines correspondingly with each column. Here, various schedules related to the financial affaires and home and business ones can be written in the daily financial affairs preparation page, so that it can check the schedule management and the daily financial status at a glance.

[63] As shown in FIG. 17, a monthly income and outgo status preparation page includes an income column and an expenditure column arranged on a left side of a vertical line in a line, weekly status columns arranged in an upper side of a horizontal line, a composite income column, a loan/cash service column, the other column, and the total income column arranged on the right side of the income column, a clothe expenses column, a food expenses column, a housing expenses column, a communication expenses column, a traffic expenses column, an education expenses column, a medical expenses column, a cultural expenses column, an insurance expenses column, a public charges column, a tax column, a spending money column, an allotment column, a debt redemption column, and the rest column arranged on a right side of the expenditure column, and a plurality of blank columns arranged in vertical and horizontal lines correspondingly with each column. [64] Accordingly, the monthly income and outgo status preparation page serves as a housekeeping book, so that it can check the weekly schedule and the weekly financial status.

[65] An annual income and outgo status preparation page includes an income column and an expenditure column arranged on a left side of a vertical line in a line, monthly status columns arranged in an upper side of a horizontal line, a composite income column, a loan/cash service column, the other column, and the total income column arranged on the right side of the income column, a clothe expenses column, a food expenses column, a housing expenses column, a communication expenses column, a traffic expenses column, an education expenses column, a medical expenses column, a cultural expenses column, an insurance expenses column, a public charges column, a tax column, a spending money column, an allotment column, a debt redemption column, and the rest column arranged on a right side of the expenditure column, and a plurality of blank columns arranged in vertical and horizontal lines correspondingly with each column.

[66] FIG. 20 illustrates one example of the annual income and outgo status preparation page.

[67] As shown in FIG. 20, the annual income and outgo status preparation page is monthly divided all over, so that it can check the monthly net income at a glance and adjust and supplement the financial plan in future.

[68] As shown in FIG. 11, a monthly estimated financial affairs and schedule preparation page includes a date column, an income column, an expenditure column, and a saving column, and day columns arranged in an upper portion of a horizontal line, number columns for writing the dates corresponding to the date column arranged in a vertical line, a plurality of blank columns arranged in vertical and horizontal lines among the number columns and the income, expenditure and saving columns, and date displaying columns having a blank space arranged in vertical and horizontal lines below the day columns.

[69] Since the daily financial affairs preparation page shown in FIG. 12 cannot check the entire monthly financial and schedule at a glance, the monthly estimated financial affairs and schedule preparation page can supplement it.

[70] Also, the finance management ledger according to the present invention further includes the total income, outgo and saving breakdown preparation page for the year- end financial affairs settlement provided with the total annual income and outgo table, the total annual income table and the total annual saving table.

[71] The total annual income and outgo table includes month columns and a total sum column arranged on a left side of a vertical line in a line, item columns such as an income column, an expenditure column, a saving column and a memo column arranged in an upper portion of a horizontal line, and a plurality of blank columns arranged in vertical and horizontal lines correspondingly with each column.

[72] The total annual income table includes monthly status columns arranged in an upper side of a horizontal line, an earned income column, an income from interest column, an income from stock dividends column, an income from lease column, a pension income column, the rest income column, and the total sum column arranged on a left side of a vertical line in a line, and a plurality of blank columns arranged in vertical and horizontal lines correspondingly with each column.

[73] The total annual saving table includes monthly status columns arranged in an upper side of a horizontal line, a money column, a free saving column, a fixed deposit column, an installment saving column, a stock column, a bond column, an immovable property column, a movable property column, the rest income column, and the total sum column arranged on a left side of a vertical line in a line, and a plurality of blank columns arranged in vertical and horizontal lines correspondingly with each column.

[74] It can check the annual income, outgo and saving breakdown in the year-end financial affairs settlement page, thereby easily performing the financial plan for next year.

[75] In the monthly estimated financial affairs and schedule preparation page, the status of the income, expenditure column and saving can be daily written in the left side thereof and the entire monthly schedule and financial affairs can be written in the form of a calendar in the right side thereof, so that it can check them at a glance.

[76] FIG. 23, 24 and 25 illustrate financial affairs recording preparation pages for schedule management different from that of FIG. 12.

[77] While this invention has been described in connection with what are presently considered to be the most practical and preferred embodiments, it is to be understood that the invention is not limited to the disclosed embodiments and the drawings, but, on the contrary, it is intended to cover various modifications and variations within the spirit and scope of the appended claims.

[78]

Industrial Applicability

[79] The present invention relates to a finance management ledger with a schedule management capable of properly managing schedules and financial affaires according to a status and an age of a user and performing daily, monthly and annually financial managements.

[80]

[81]

Claims

[1] A finance management ledger with a schedule management comprising: an estimated financial affaires preparation page having a life cycle check table for selecting and displaying any one of a childhood column, an adolescence column, a newlywed period column, a manhood column and a senescence column, a life cycle pattern table, and a main financial affairs table according to the divided life cycle; a financial target preparation page for writing a content, a necessary money, a saving target of the current year and an achievement date according to a short- term financial target under one year, a middle-term financial target of 1 through 5 years and a long-term financial target more than 5 years; an assets status preparation page for writing quarterly assets and debts status; an annual financial preparation page for writing daily and monthly main financial affairs for a year; an annual budget/settlement preparation page for writing monthly budget and settlement as an income, an expenditure and a saving respectively; a fixed expenses preparation page for writing an expenditure and a payment date according to each item for a year; a cash status preparation page for writing a monthly status according to each bank account and card; a monthly estimated financial affairs and schedule preparation page for writing daily estimated income, expenditure column, saving moneys and daily estimated schedules; a daily financial affairs preparation page for writing daily schedules and daily income and expenditure breakdown; a monthly income and outgo status preparation page for writing weekly composite incomes including a loan and weekly expenditures including a saving and an insurance and so on for a month; and an annual income and outgo status preparation page for writing monthly composite incomes including a loan and weekly expenditures including a saving and an insurance and so on for a year.

[2] A finance management ledger with a schedule management as claimed in claim

1, wherein the estimated financial affaires preparation page according to the life cycle comprises a life cycle check table having a childhood column, an adolescence column, a newlywed period column, a manhood column, and a senescence column arranged in a line and a preparation columns of a user as blank spaces arranged correspondingly with each column; a life cycle pattern table having a first pattern divided into a childhood, an adolescence, a newlywed period, a first period of bring up children, a second period of bring up children, a children independence period and a senescence, a second pattern divided into a childhood, an adolescence, a newlywed period, a heirless manhood, and a senescence, and a third pattern divided into a childhood, an adolescence, a single life manhood, and a senescence; and a financial affaires table according to the life cycle for writing main financial affairs of each period based on the first pattern.

[3] A finance management ledger with a schedule management as claimed in claim

1, wherein the financial target preparation page comprises a short-term target column, a middle-term target column, a long-term target column arranged on a left side of a vertical line in a line, a content column, a necessary money column, a saving target column of the current year and an achievement date column arranged in an upper side of a horizontal line, and a plurality of blank columns arranged in vertical and horizontal lines correspondingly with each column.

[4] A finance management ledger with a schedule management as claimed in claim

1, wherein the assets status preparation page comprises: a financial assets column, an immovable property column, a movable property column, the rest properties column, a short-term debt column, an allotment column and a bank advances column arranged on a left side of a vertical line in a line and quarter divided columns divided into four quarters arranged in an upper portion of a horizontal line; a money column, an ordinary deposit column, a saving deposit column and the rest column arranged at a right side of the financial assets column and a plurality of blank columns arranged in vertical and horizontal lines correspondingly with each column; a house column, a land column, and the rest column arranged at a right side of the immovable property column and a plurality of blank columns arranged in vertical and horizontal lines correspondingly with each column; a car column, a furniture column, home appliances column, an art object/ curious/jewel column, and the rest column arranged at a right side of the movable property column and a plurality of blank columns arranged in vertical and horizontal lines correspondingly with each column; a stocks/credit column, a membership card column, a lending money column, and the rest column arranged at a right side of the rest properties column and a plurality of blank columns arranged in vertical and horizontal lines correspondingly with each column; a credit card column, an account bill column, a taxes column, a dues column, a loan money and the rest column arranged at a right side of the short-term debt column and a plurality of blank columns arranged in vertical and horizontal lines correspondingly with each column; an apartment-application deposit column, an automobile allotment column, and the rest column arranged at a right side of the allotment column and a plurality of blank columns arranged in vertical and horizontal lines correspondingly with each column; and a secured loan column, a school expenses column, an insurance money column, and the rest column arranged at a right side of the bank advances column and a plurality of blank columns arranged in vertical and horizontal lines correspondingly with each column.

[5] A finance management ledger with a schedule management as claimed in claim

1, wherein the annual financial preparation page comprises date columns arranged on a left side of a vertical line in a line, month columns arranged in an upper portion of a horizontal line, and a plurality of blank columns for writing the generated financial affairs for a year arranged in vertical and horizontal lines correspondingly with each column.

[6] A finance management ledger with a schedule management as claimed in claim

1, wherein the annual budget/settlement preparation page comprises an annual budget table and an annual settlement table, each table having month columns arranged on a left side of a vertical line in a line, item columns such as an income column, an expenditure column, a saving column and a memo column arranged in an upper portion of a horizontal line, and a plurality of blank columns arranged in vertical and horizontal lines correspondingly with each column.

[7] A finance management ledger with a schedule management as claimed in claim

1, wherein the fixed expenses preparation page comprises an item column, a sum column, a payment date column, and a memo column arranged in an upper portion of a horizontal line and a plurality of blank columns arranged in vertical and horizontal lines below them.

[8] A finance management ledger with a schedule management as claimed in claim

1, wherein the cash status preparation page comprises an account name column, an account card column, month columns and a memo column arranged in an upper portion of a horizontal line and a plurality of blank columns arranged in vertical and horizontal lines below them.

[9] A finance management ledger with a schedule management as claimed in claim

1, wherein the daily financial affairs preparation page comprises a content column, an income column, an expenditure column, and a saving/memo column arranged in an upper portion of a horizontal line, and divided columns arranged in a predetermined distance at a right side thereof, and a plurality of blank columns arranged in vertical and horizontal lines correspondingly with each column.

[10] A finance management ledger with a schedule management as claimed in claim

1, wherein the monthly income and outgo status preparation page comprises an income column and an expenditure column arranged on a left side of a vertical line in a line; weekly status columns arranged in an upper side of a horizontal line; a composite income column, a loan/cash service column, the other column, and the total income column arranged on the right side of the income column; a clothe expenses column, a food expenses column, a housing expenses column, a communication expenses column, a traffic expenses column, an education expenses column, a medical expenses column, a cultural expenses column, an insurance expenses column, a public charges column, a tax column, a spending money column, an allotment column, a debt redemption column, and the rest column arranged on a right side of the expenditure column; and a plurality of blank columns arranged in vertical and horizontal lines correspondingly with each column.

[11] A finance management ledger with a schedule management as claimed in claim

1, wherein the annual income and outgo status preparation page comprises an income column and an expenditure column arranged on a left side of a vertical line in a line; monthly status columns arranged in an upper side of a horizontal line; a composite income column, a loan/cash service column, the other column, and the total income column arranged on the right side of the income column; a clothe expenses column, a food expenses column, a housing expenses column, a communication expenses column, a traffic expenses column, an education expenses column, a medical expenses column, a cultural expenses column, an insurance expenses column, a public charges column, a tax column, a spending money column, an allotment column, a debt redemption column, and the rest column arranged on a right side of the expenditure column; and a plurality of blank columns arranged in vertical and horizontal lines correspondingly with each column.

[12] A finance management ledger with a schedule management as claimed in claim

1, wherein the monthly estimated financial affairs and schedule preparation page comprises a date column, an income column, an expenditure column, and a saving column, and day columns arranged in an upper portion of a horizontal line; number columns for writing the dates corresponding to the date column arranged in a vertical line; a plurality of blank columns arranged in vertical and horizontal lines among the number columns and the income, expenditure and saving columns, and date displaying columns having a blank space arranged in vertical and horizontal lines below the day columns.

[13] A finance management ledger with a schedule management as claimed in claim 1 further comprising a preparation page of expenses for congratulations and condolences for entering an expenditure breakdown of expenses for congratulations and condolences, the preparation page of expenses for congratulations and condolences having a content column, a date column, a money column, and a summary column arranged in an upper portion of a horizontal line and a plurality of blank columns arranged in vertical and horizontal lines below them.

[14] A finance management ledger with a schedule management as claimed in claim 1 further comprising a preparation page of monthly fixed expenses for entering an expenditure breakdown of the monthly fixed expenses per a month, the preparation page of monthly fixed expenses having a content column, a date column, a money column, and an end date column arranged in an upper portion of a horizontal line and a plurality of blank columns arranged in vertical and horizontal lines below them.

[15] A finance management ledger with a schedule management as claimed in claim 1 further comprising a preparation page of fixed date floating expenditure for entering the fixed expenditure breakdown disbursed on the fixed date, the preparation page of fixed date floating expenditure having a content column, a payment date column, month columns, and an end date column arranged in an upper portion of a horizontal line and a plurality of blank columns arranged in vertical and horizontal lines below them.

[16] A finance management ledger with a schedule management as claimed in claim 1 further comprising a preparation page of monthly income and outgo for entering the weekly status of an income, an expenditure and a saving divided by a week unit, the preparation page of monthly income and outgo having an income column, an expenditure column and a saving column arranged in an upper portion of a horizontal line, weekly display columns arranged in an left side of a vertical line thereof, and a plurality of blank columns arranged in vertical and horizontal lines correspondingly with each column.

[17] A finance management ledger with a schedule management as claimed in claim 1 further comprising a preparation page of monthly income for entering the income by a week, the preparation page of monthly income having weekly display columns arranged in an upper portion of a horizontal line, kinds of incomes columns arranged in an left side of a vertical line thereof, and a plurality of blank columns arranged in vertical and horizontal lines correspondingly with each column.

[18] A finance management ledger with a schedule management as claimed in claim 1 further comprising a preparation page of monthly saving for entering the saving status divided by a week unit, the preparation page of monthly saving having weekly display columns arranged in an upper portion of a horizontal line, a deposit column, an installment saving column, a stock column and an immovable property column arranged in an left side of a vertical line thereof, and a plurality of blank columns arranged in vertical and horizontal lines correspondingly with each column.

[19] A finance management ledger with a schedule management as claimed in claim 1 further comprising a preparation page of a expenditure breakdown by composite income tax deduction items for entering the expenditure breakdown corresponding to deduction items during the year-end composite income tax return, the preparation page of a expenditure breakdown by composite income tax deduction items having month columns arranged in an upper portion of a horizontal line, income tax deduction items columns arranged in an left side of a vertical line thereof, and a plurality of blank columns arranged in vertical and horizontal lines correspondingly with each column.

[20] A finance management ledger with a schedule management as claimed in claim 1 further comprising a total annual income and outgo table having month columns and a total sum column arranged on a left side of a vertical line in a line, item columns such as an income column, an expenditure column, a saving column and a memo column arranged in an upper portion of a horizontal line, and a plurality of blank columns arranged in vertical and horizontal lines correspondingly with each column; a total annual income table having monthly status columns arranged in an upper side of a horizontal line, an earned income column, an income from interest column, an income from stock dividends column, an income from lease column, a pension income column, the rest income column, and the total sum column arranged on a left side of a vertical line in a line, and a plurality of blank columns arranged in vertical and horizontal lines correspondingly with each column; and a total annual saving table having monthly status columns arranged in an upper side of a horizontal line, a money column, a free saving column, a fixed deposit column, an installment saving column, a stock column, a bond column, an immovable property column, a movable property column, the rest income column, and a total sum column arranged on a left side of a vertical line in a line, and a plurality of blank columns arranged in vertical and horizontal lines correspondingly with each column.