On the purpose and significance of bookkeeping in investment and financial management

With the improvement of economic level, everyone in the country has saved some money. Under the guidance of the big bull market in 2020, I believe more and more people realize the importance of investment and financial management. For the novice Xiao Bai, bookkeeping is undoubtedly a better way to get started in financial management, so today we will talk about the purpose and significance of bookkeeping in investment and financial management, and then look down.

0 1

What is the significance of bookkeeping?

Before we make financial planning, bookkeeping is very helpful. It can let you know the expenditure, income, balance level and so on during this period, which are necessary expenditures and which are unnecessary expenditures.

However, if you don't keep accounts, you may be biased in planning just by memory.

Therefore, we can write down the accounts one week, two weeks, one month and two months before the planning process, and check whether our planning is accurate from time to time, which is very important for financial planning.

For example, if I ask you now, what is your monthly expenditure? Many people may blurt out 3000 (single without family responsibilities). But this is just a vague number. If I ask you, among the 3000, what is the proportion of necessary expenses (food, housing and transportation) and what is the proportion of unnecessary expenses, I am afraid I can't answer it at once.

The actual situation may be that last month coincided with double 1 1, and you owed thousands of IOUs (flowers) on major online shopping platforms. What kind of impulsive consumption do you belong to? What is the meaning of writing it down?

02

Don't take bookkeeping too seriously.

Bookkeeping is a tool to assist financial management, which can give us reference meaning, but it can't give us definite meaning.

For example, some people insist on long-term bookkeeping as the beginning of financial management behavior, and feel that they will soon reach the peak of financial management.

Then I guess he's afraid of disappointment.

Because bookkeeping itself does not actually produce any substantial benefits. It can only build a foundation for your future decisions or actions, but it can't give you substantial benefits, you know, bookkeeping and financial management.

03

This kind of bookkeeping is meaningful.

How to make bookkeeping generate the "income" of financial management? That is, on the basis of accounting data, make plans and put them into action.

For example, through bookkeeping, some people find that they spend a lot of money on some unnecessary expenses every month, such as beauty, shopping and games, which can be saved. If she plans the money well, plus her own resources, put it in an account (fixed investment, fund, etc. ), she can achieve her children's educational goal of going to college in the future.

Through bookkeeping, realize financial planning, force yourself to implement it, and balance unnecessary expenses. This is the advantage of bookkeeping.

On the other hand, if someone finds that this month's bookkeeping is losing money and his income can't keep up with his expenditure, he should hold hands with the party and eat 5000 yuan; Continue to remember next month. After I finished the account, I found that there was a little money left, and there was 2,000 yuan left, so I returned it to my family. Next month, you will be a nerd ..... This kind of bookkeeping is meaningless. Because through bookkeeping, financial management has not made any progress or changes, just a running account.

Bookkeeping must be carried out according to the plan, and it is meaningful to keep accounts after planning. Once you start to act, it doesn't really matter whether you insist on keeping accounts during this time.

In the process of bookkeeping, we must first make compulsory savings for long-term goals. When these compulsory savings have been done and scientifically done, the remaining money can have a relatively free and chic space, and it doesn't matter whether you remember it or not.

When you are ready to review your income and expenditure, or update and upgrade your financial planning, you can do bookkeeping again, which is my opinion. Bookkeeping is not something that needs to be adhered to for a long time, but a demand-based behavior.

For example, after a period of time, you feel that your income has improved a lot and you want to improve your goals; Or I already have a child and want to see if I can have another child at home in the future; If you want to change houses, etc. At this time, you need to re-plan and start bookkeeping again.

The trilogy of "bookkeeping, planning and execution" is put together, and bookkeeping is meaningful.

If you just force yourself to keep accounts every day, you will find that this job is extremely anti-human, you will never get positive feedback, and it won't be long before you give up on yourself. If you can persist at this time, I can only say that you are a good student who can persist for a long time, but you may not get the perfect wealth answer sheet you want.

The content of "analysis of the purpose and significance of bookkeeping in investment and financial management" is introduced here for everyone. Want to know more about the investment and financial management strategies of working families, and pay attention to the continuous update of Bian Xiao.