Bookkeeping applications. Home Bookkeeping: Keeping a Family Budget

Family budget types - planning

When planning a budget, you need to take into account its type, which is inherent in your particular family. Decide which one you will have: separate, common or mixed ... Discuss the priorities of each spouse (education, investments, loans, starting your own business) and only then start planning your family budget.

Separated

A separate family budget has gained particular popularity abroad, but in our country, many families practice a similar method of distributing funds. A separate budget is usually preferred by wealthy and successful people, when a certain amount is allocated for housekeeping, each of the spouses spends the remaining money on personal needs.

Advantages:

• you can save a significant amount on your personal account;
• fewer reasons for family quarrels;
• no family litigation in case of divorce.

Disadvantages:

• if there are children, then a separate family budget will not work: it is strange for a son to throw off on sneakers or a car;
• for people who represent family life as a joint activity, such a relationship is also not suitable - it will be difficult for them to understand how it is possible to have something separate from the common interests of the family;
• it is impossible to turn family relations into exclusively business ones.

Mixed

A mixed type of family budget implies the allocation of, for example, 80% of the salary of a wife and husband to housekeeping, and everyone spends the rest on themselves. If the spouses managed to save up for an expensive item or unforeseen circumstances arose, then the rules change. You can take money from the general cash register when you need it.

Advantages:

• an honest approach to those who have less income;
• each of the spouses has personal funds, and there is no need to ask for money;
• this approach to money says that the relationship between spouses is well-established and adults.

Disadvantages:

• maintaining a mixed family budget is not suitable if only one of the spouses is working;
• neither the husband nor the wife has a desire to take responsibility for the common money;
• one of the spouses is silent about part of the income.

General

The most widespread is the general type, in which both spouses bring all the money received to the family, and then decide where to spend it.

Advantages:

• talks about the trusting relationship between husband and wife;
• a spouse who does not work or receives a lower salary does not feel defective;
• you can make large purchases, since two salaries are usually a significant amount.

Disadvantages:

• not suitable for families where one of the spouses can deny himself everything in order to buy a TV, and the other can buy something for himself without hesitation;
• the husband or wife does not tolerate the lack of personal money;
• this type of budget is not recommended for families where one of the spouses is pathologically greedy or leads an ascetic lifestyle and has little interest in the needs and desires of the other spouse.

Things to Consider When Planning Your Family Budget

When starting to draw up your family budget for the month, analyze the income and expenses for the previous months. To do this, you need to start keeping track of funds in advance. With such data on hand, planning of spending will not cause difficulties.

The main components of the family budget:

• income of husband and wife (salary, social benefits, pension, part-time work);
• expenses (compulsory, for children, family, personal);
• reserve fund ("financial safety cushion");
• investments.

Income

The income for the general family budget includes the wages of the wife and husband. If earnings are unstable, then it is wise to set aside some of the money, forming a "safety cushion" in case of a small amount of money. In the month where a large amount comes to the family budget, set aside 20% and more, if possible.

Expenses

When calculating expenses, take into account income, they must necessarily correspond to each other. If you break this rule, then debts will inevitably appear.

Tips on how to reduce the consumable part:

1. Buy less... This will save not only money but also time. If you buy fewer foods, the amount of expired food thrown away will decrease, and sometimes there will be nothing to throw away. A pre-compiled shopping list will help protect yourself from spontaneous purchases.

Ignore the advice of psychologists to go shopping to cheer you up, as well as to advertisements. The mood will always be good if you have money in your wallet, unplanned shopping will only contribute to a momentary and short-term increase in mood. Changing habits will be difficult at first, but over time, things will return to normal.

1. Buy cheaper... Items and food purchased under the influence of advertising are usually expensive. For example, buying an expensive mobile phone just because it is well advertised and is considered a prestigious thing. Sometimes, large supermarkets' own products are on par with other more publicized brands. Control your desires, look for financially more profitable options, learn to bargain.
2. Analyze... By carefully recording your expenses and analyzing them, you can find out where most of your funds are going. When making purchases, you will not notice many nuances; they will only emerge when analyzing the purchases made. Such a technique will allow you to control costs.
3. Avoid unnecessary costs... For example, while cooking, take care of your clothes, you can change your everyday attire for home or wear an apron. Extending the service life of shoes will allow caring for them: use creams, sprays, varnishes, promptly clean them from dirt.
4. Use cash... Psychologically, it is easier to part with non-cash money than to count off cash.

Own housing

If you don't have your own house or apartment, then it is worth including in the family budget the column “accumulating money for your own home”. Living with parents creates conditions for additional conflicts and does not allow you to build family life on your own, therefore it is not very convenient.

Reserve part or "financial safety cushion"

This part of the family budget includes finances that can come in handy in case of unforeseen circumstances. There must be a reserve of funds that will allow the family to live for several months if one of the spouses loses his job. A reserve fund is also used to purchase or repair broken household appliances (for example, a washing machine).

Investments

This is the part of the family budget that will generate passive income. This is a deposit in a bank, real estate, shares.

The most reasonable thing is to get rid of debts and loans as quickly as possible, since they negatively affect the psychological state. Try to accumulate investments in order to receive passive income in the future, the family budget will greatly benefit from this.

Family budgeting methods

One of the simple, but very effective methods of managing a family budget is to divide it into three main parts:

• 50% of income is spent on payments for utilities, housing, food;
• 30% is spent on entertainment and other optional expenses;
• 20% goes to pay off loans and debts or is set aside as savings.

One of the variants of this methodology envisages spending 20% ​​of the income on the formation of a financial "safety cushion" and repayment of debts, and 80% - on other needs. There are other methods of managing the family budget, the most popular are "Accurate Cost Control" and "Four Envelopes".

Accurate cost management

Maintaining a family budget using this technique involves carefully recording every penny spent. It will take time and effort, which will more than pay off with significant savings in financial resources (up to 20% of income). Few are able to record every purchase, including food, but this will have to be done daily, for which it is better to use an Excel spreadsheet.

Create a table in Excel where your expenses are divided into 5 columns. First, write down utility bills (electricity, internet, rental housing). In the second - the purchase of food, in the third - the payment of personal needs, in the fourth - spending on entertainment, in the fifth - unforeseen expenses. In the evening, enter the amount spent in each of the columns (if there were any expenses) and at the end of the month you will see the real expenses. This will allow a more deliberate approach to the distribution of money.

You can add other columns by customizing the table for yourself, for example, household chemicals, caring for a pet, child, parents. The main thing is not to forget to record every little thing and you will understand how to distribute the family budget more reasonably.

The most popular table for keeping a family budget.

The technique is suitable for those who are not able to write down every penny spent. As soon as the salary is received, immediately set aside 20% - this will be savings. Pay for utilities, and divide the remaining money into 4 equal parts and put in envelopes. Each of these will form your weekly budget. If the week is over, and there is money in the envelope, you can spend it on yourself or save it.

This technique is good in that it does not require painstaking cost accounting. As soon as you start spending money wisely, the desire for spontaneous acquisitions will disappear.

The table of expenses of the family budget cannot be drawn up at once. You will need to thoroughly find out what the money is being spent on. This will take 1-2 months. The best option is to make a table in MSExcel, this will allow you to make detailed explanations for each document, since the program includes several interconnected tables.

How to create a family budget in Excel

With a common family budget table, the income and expenses of the family budget are scrupulously entered every day, and you first need to fill in the "income" columns. Then the obligatory expenses are planned:

• debt recovery;
• creation of reserves (savings);
• family capital formation.

The next step is planning your running costs:

• general (for children, variables, permanent);
• personal spending of the husband and wife.

Here you can add a column "unforeseen expenses", which can be no more than 10% of the amount of income.

The expenses in the family budget are very diverse and for the sake of completeness it is advisable to describe them in as much detail as possible. First, write down the costs and then divide them into subtypes. Usually they are repeated every month, so you only need to change the numbers, you don't have to re-enter the "header" of the table. Set the “Total” and “Deviations” columns to automatically calculate the amount.

Separate budget

In this case, divide the table of the family budget into two tables: the personal budget of each of the spouses, where indicate the income of each of the spouses separately. The general part should include expenses for the needs of the family, the maintenance of children and personal expenses.

Mixed type of family budget

First, form the personal expenses separately for each of the spouses. This can be a percentage of the total family income or the husband and wife's own income. Distribute the rest for the needs of the family.

Services and programs for convenient planning and maintaining a family budget

• There are programs for home accounting, for example, AlzexPersonalFinance, which is based on the division into categories of income and expenses. This makes it possible, without studying and analyzing the reports, to see where the money was spent. The program can be downloaded to a USB flash drive, installed on any external drive and you can always have a version for a tablet or mobile phone with you.

There are two versions of AlzexPersonalFinance:

1. Personal- intended for one user, additional options may not be available.
2. commercial- designed for one user, while having access to all program options (restricting access rights, user accounts, events, contractors, tasks).

AlzexPersonalFinance has ample opportunities and unlimited nesting of the tree-like system of categories, there is a large number of labels for each transaction. Loans and debts are recorded, financial goals are tracked and expenditures are monitored. Reports can be presented graphically and printed. It is possible to organize the transaction by days in the calendar.

• AlzexPersonalFinance Program

Using this program, you will not only understand how to manage your family budget, but you will also do it as intelligently as possible.

Another program for managing the family budget is called "Housekeeper", the developer is the company AmoSoft. The program will allow you to make your financial situation stable and control your spending. Distinctive features - simple, intuitive interface, "Housekeeper" can be used even by people far from accounting and computers.

Take a few minutes to enter data every day and at the end of the month you will see the most complete picture of the state of finances in the family. The reports are provided in graphical form, which allows you to visually see the strengths and weaknesses of the family budget.

The program will tell you how to save the family budget, preventing rash spending.

• "Home finance"- the program combines flexibility and reliability in organizing the movement of family money.

The interface is well thought out and simple, intuitive even for not very experienced users. The program will allow you to detect weaknesses in the family or personal budget, as well as organize the optimal movement of funds.

• "Home bookkeeping".

The program is easy to use, while in it you will find all the necessary functions:

1. accounting for profit and loss;
2. planning of payments;
3. accounting of debts;
4. control of accounts;
5. exchange rates.

The only drawback of Home Bookkeeping is that you will have to pay 500 rubles for using it.

• Moneytracker

MoneyTracker is designed for accounting, it is convenient to use it, but you will need to tinker and figure out what's what, since the program has a lot of functions. A distinctive feature of the program is the ability to control price changes in stores, which allows you to make a budget forecast for months or a year. There is a utility that shows how much you are spending (a green indicator - everything is fine, a red one signals that the family budget is in danger).

• "DomFin"

The program "DomFin" can be used free of charge, the interface is primitive: the functions for keeping records are clearly and specifically exposed. It is intuitively clear where to record expenses and where income should be recorded.

• AceMoney

You will have to pay 500 rubles for using the program. In the free version, you can use only one account, which is inconvenient. The negative point is that there is only one operation in AceMoney: a transaction, you will not find the “income” and “expenses” branches.

Advantages of AceMoney:

• you can keep records of securities and shares;
• there are templates according to which you can distribute expenses (utility bills, food), you don't have to do them yourself;
• you can monitor the state of your bank accounts (for example, at what percentage the money is).

In order to choose the optimal program for your own needs, you need to clearly understand the goal that you want to achieve. Also, the program should be selected taking into account the characteristics of a specific family budget. For some, certain functions are completely useless and will never be needed.

1. Don't forget the reason why you decided to start planning your family budget. This is not because it is necessary or someone said, but in order, for example, to reduce spending.
2. Clearly define for yourself the ultimate goal of your actions. For example, by the end of the year, save up for a car.
3. The accounting of income and expenses must be very accurate and thorough.
4. Think about ways to create a financial safety cushion for the family.
5. Save money in bank deposit accounts without the possibility of withdrawing them until the end of the period. There are deposits that can be replenished, but cannot be withdrawn before a certain date.
6. Look at your own actions realistically: you cannot become an ace in managing the family budget in one month, start small.
7. Don't be afraid to change something drastically in your family budget. In life, something is constantly changing, including the amount of wages and expenses.

Psychologist with 16 years of practical work experience. Olga works in the following areas: Gestalt therapy, Psychodrama, Systemic family therapy, Short-term psychodynamic psychotherapy.

Updated: 2019-5-18

Oleg Lazhechnikov

I often come across the fact that people do not know where they spend their money, do not know how much they spend on food, for gatherings in a cafe with friends, for clothes, for unforeseen expenses, and so on. At the same time, they borrow money, complain that they do not have enough money, and so they want to go somewhere, or buy a laptop / bicycle ... The question immediately arises, do you really want to? Or, what do you want more, squander money on beer on weekends, or go to the sea? Of course, at sea, but I spend so little on entertainment, there will be an answer. In reality, a person does not know that some of his expense items in total for several months or a year are a trip to the sea.

I in no way urge you to save on what is important to you. But it’s better to know and understand how much money it actually takes from you so that you can make an informed choice. No less important is the knowledge of your real desires, your real dreams. I wrote about this in the article.

You have a lever of pressure on your family members :) For example, a wife comes to her husband and says, we don’t buy me anything, we don’t spoil me, and you bought yourself a MacBook for 50 thousand, ah-ah. Silently, the husband opens the budget, makes a sample for the year and shows that, besides the MacBook, he only bought a couple of T-shirts for himself during the year, while the wife has already collected 100,000 worth of clothes for the whole year, just not everything at once, but gradually bought , periodically.

pros

In general, the budget is a great thing for understanding how your spending stacks up. In fact, many people think that you will think only 1000 rubles more, but in fact, these thousands of rubles for the whole year (and for someone in a month) so much accumulates that you can buy a car! Toy :) In fact, I'm not kidding, saving the family budget is the only way it develops - from little things, this is the main feature. The saved 1000 rubles = 1000 rubles earned. Recently I calculated that my smoking friend spends about the cost of a good laptop on cigarettes a year. That is, if he did not smoke, he could change the laptop once a year.

But I beg you not to confuse economy with beggarly. Trying to increase your earnings is a necessary and obligatory desire, and in no way contradicts economy. As in business, there is always an accountant who optimizes costs. And, if you go in two directions at the same time, earning, and consciously filtering out unnecessary expenses, you can come to your goal much faster.

I sincerely do not understand the situation when requests grow faster than income. That's the point of spending everything and getting into debt / loans, for what? Isn't it better to postpone or invest to gain financial independence and freedom? Otherwise, you can earn millions, but still “beg”.

So, pluses point by point.

• Control. You always clearly know what you are spending your money on. There are no questions about where half of the salary went and who spent it.
• Conscious choice. After a couple of months of budgeting, you really know how much each item of expenditure is, and it may very well be that you want to adjust it (decrease / increase). Thus, unnecessary waste is eliminated.
• No debt. Getting into debt / loans is minimized, because you can calculate everything in advance and avoid it.
• Easier to plan your purchases. Whether you are looking to buy something big or go anywhere, budgeting makes it much easier to plan. You can find out in which month you will have a sufficient amount, which is very convenient, or how you need to change the structure of spending in order for this amount to appear.
• Useful for long journeys. You can always plan ahead for how many months the money will last.
• Convenient for getting fired. You can find out how much time you have and calculate when it is time to start looking for a job.
• Disciplines. And in terms of spending, and in terms of life in general.

I've been budgeting since 2008. I tried it once and I liked it. Thanks to the budget, it was possible to plan more than one trip, or rather to understand the possibility of its implementation in a specific month under specific conditions. He also helped me a lot after my dismissal in 2010.

I then immediately calculated how many months of free life I can get, which countries to go and what things to buy. Accordingly, I knew in what month the earnings would have to appear or when I had to go to work (in case of failure).

In general, what I like most is the feeling of security / safety, when you can plan everything in advance (for 3-6-12 months) and be calm.

Minuses

There are much less of them (for me).

• Noticing spending and planning a family budget takes time. With the right approach, very little, but it takes. But sometimes it’s even nice to take it, and write a plan for the next six months and add useful purchases and long-awaited trips there.
• There is a chance to get stuck on the economy and go over some acceptable boundaries. Or otherwise, become a curmudgeon, starting to save on everything in general. It should be understood that everyone has their own boundaries, that for one saving, then for another - squandering.
• Addition to the previous point. There is a chance to get stuck on the current income level and focus only on saving. Or otherwise, "not allowing" to have more money for yourself, you can get a kind of psychological barrier.

How to manage a family budget

As I wrote above, the basic principles (well, or pluses) are spending control, conscious choice and elimination of unnecessary expenses. And the budget is built on this: you plan spending for the required period of time and then stick to them. Also, in the process, you need to mark these expenses in order to correlate the actual expenses with the planned ones.

How strict to do all this, everyone decides for himself. At first I was very strict about everything, in order to understand where and what was going, and then I relaxed, began to round up and lead everything approximately. The result is a floating budget, in which the main thing is the absence of unnecessary spending, the correspondence of expenses to income (needs and opportunities), and not strict compliance and economy for the sake of saving.

• There are items of income and items of expenditure. The number of articles there and there can be absolutely any, the main thing is that it is convenient for you. I started out with a lot of detail, and then simplified everything and combined many articles. If you do not know where to start, then start with any articles, usually after a couple of months of budgeting it becomes more or less clear. Although I still correct it sometimes.
• In my opinion, items of income and expenses need to be written such that you will then analyze, or for which you need to track the dynamics. If this is not important to you, then in general you can make one item of expenditure and one item of income. And in general, the entire budget can be reduced to a paper envelope, that is, put into it at the beginning of the month the amount that you are going to spend, and then there will be something left to watch or not.
• I write down my expenses every day, it's more convenient this way, and it only takes a couple of minutes. But basically the application on the phone does everything for me, recognizes sms and writes them to the database. And when you need to plan something serious, for example, wintering in Thailand, then you can sit for half an hour.
• Both husband and wife can manage the budget, both together, and someone alone. As agreed, in general. Or rather, who will like it more. True, when they lead together (both celebrate and plan expenses), it will be easier to discuss something than if someone distances themselves from it.
• Whether it is worth keeping a joint or separate budget, I will not say. There are different opinions on this matter. I personally accept both. When in a couple, both are self-sufficient and earn money, then, firstly, everyone is more calm and confident in the future, and secondly, they will only be glad to have a separate budget.
• You can keep a budget without planning at all. That is, it is easy to mark income / expenses and check if everything is in order there (control). Some applications and online planning services do not.
• The essence of spending control is that you have a positive balance (reserve), that is, a positive difference between income and expenses. Let not every month, but in a quarter or a year. Well, so that the tendency is visible, whether you live in the negative or in the plus. This reserve can be accumulated or spent on something useful.
• Usually in all smart books it is advised to save 5-10% of income in the financial buffer or invest, regardless of goals. 5-10% is, in fact, the amount that is practically invisible for any income. I do not have such strictness. Sometimes I climb into the buffer (go into negative territory), sometimes I postpone even 50%.

Family budget programs

How to choose a program

You can make up any table of the family budget in Excel that is convenient for you, or use ready-made services / applications for managing the budget, since they are now in bulk (, Zen-money, Monefy, etc.).

Some of the services have their own website service and a mobile application, some have only an application, and some have only a website. In my opinion, the option is more convenient when it is possible to use both the application on the phone and the online version on the website from a laptop. This was one of the reasons why I chose Drebede money at one time and have been sitting on them for many years.

You can also do it in the old fashioned way - write it down on a piece of paper. However, there is a risk that this piece of paper will be lost at one fine moment, and it is much easier to correct something in the electronic budget.

How did I choose a program to manage my family budget? I went to Google Play, downloaded about 5 android applications that I liked from the screenshots and descriptions, and started trying them. About 10 minutes for each application. As a result, there were two that were more or less clear to me, or in other words, where the logic of budget management suited me. It is important that my principle of conducting in my head coincided with the intention of the author of the application. Otherwise, it will take a very long time to delve into, but how to do what. No, everything should be intuitive. Then I tried to mark the expenses for a couple of days in order to understand whether it was convenient for me or not.

From 2008 to 2013, I kept a budget in Excel. You can download a simplified template for my budget. Or here's my budget (a more complex file), taking into account different income / expense channels (cards, electronic money).

One sheet in Excel is one month. The monthly budget is scheduled for 2-3 months in advance, no less. To plan six months in advance, you need to create 6 more sheets named "monthYear" (for the formula to work), and so on.

Each month there are two columns - planned spending and actual. The first column is for planning, the second for current spending.

In my file (especially in the second) there are formulas, if you are not friends with them, then it is better to try to do something of your own or use ready-made services. Otherwise, you will have to figure it out. In short, in the second file, you can mark the costs by days, depending on how you spent them: cash, electronic money, cards. And the balance is then calculated in exactly the same way for all these places of storage of funds.

Drebendengi service

Since 2013, I have transferred the budget to the site and am very satisfied. Now I mark all expenses from my phone, and plan on my laptop online.

Many operations are automated, for example, all expenses on a bank card fall into the budget themselves. Thus, if you practically do not use cash (and I just try to minimize it), then almost nothing needs to be noted. Read a separate post and their phone app, because it takes too long to tell.

So a simple Excel spreadsheet is good only for a start, to test it so to speak. And after you have decided what the budget will be, you can switch to services, including paid ones.

P.S. Do you manage your family or personal budget?

Life hack 1 - how to buy good insurance

It is unrealistically difficult to choose insurance now, so I am making a rating to help all travelers. To do this, I constantly monitor forums, study insurance contracts and use insurance myself.

Lifehack 2 - how to find a hotel 20% cheaper

Thanks for reading

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Many users find it difficult to control their home budget. To alleviate the situation, it is recommended to use specialized software. Thanks to a specialized program, you can control not only your income, but also your expenses. The functionality of the program allows you to schedule the costs even for the maintenance of a vehicle or loan payments.

Most of the applications were created with the assumption that the user is unfamiliar with accounting activities. For efficient analysis, the programs are capable of generating graphs and diagrams. All that remains is to choose the appropriate application.

Review of the best programs

To plan a family budget, you need an appropriate program. In fact, on the global network, you can find a dozen applications capable of planning income and expenses. The best programs include:

• "Greedyuga";
• Home bookkeeping;
• Home economics;

Each of the above programs for maintaining a family budget differs from each other in functionality. Therefore, before using any program, it is recommended to analyze the functionality, as well as compare your favorite programs.

This is a multifunctional program for the family budget. The app is capable of handling invoices, clients and articles. If desired, the program can be used by individual entrepreneurs. Users who decide to use the application for planning a family budget may not worry, as it is not necessary to be an accountant to understand the program.



The main features include:

• Possibility of multicurrency organization of financial flows;
• Group data processing;
• Construction of diagrams displaying the dynamics of funds;
• The ability to export a report to Excel;
• Composite payment support;
• Data backup;
• Possibility to print an IOU;
• Updating the exchange rate via the Internet;
• Customizing the appearance of the program.

Unfortunately, at first it will be difficult for the user to understand the program for accounting of funds. This is due to the overload and ill-conceived interface. In appearance, the application can be compared to programs written in the 90s. Of course, after careful study, everyone can handle Home Finance, but it takes time.

Family accounting can be taken into account using the AceMoney program. The application has an intuitive interface, which means that it won't take much time to learn the functionality. IceMoney allows you to create bank as well as cash accounts. Thus, it will be possible to account for all income and expenses. In addition, it is possible to transfer money from one account to another.



The only thing that can be difficult is the terminology used in the program. Otherwise, the program for accounting funds has no drawbacks.

The main functionality is:

• Planning a budget using articles;
• Ability to manage multiple accounts;
• Setting a password for the program;
• Backup;
• Visualization of expenses using graphs;
• The ability to export data.

With such a program, family accounting will always be analyzed. In addition, you can generate a report for any past month.

A program with a simple no frills interface. Compared to other programs, there is such a drawback as unsigned buttons. Sometimes it can be difficult to understand what they are for. In this case, the application can be configured so that when you hover over the button, an inscription appears, but only in the footer of the program.



As for adding income and expenses, everything is clear here. It is possible to categorize amounts. In order for the family budget to be kept more accurately, it is necessary to take advantage of the opportunity to add information to a section such as "Debts".

Such software has the following functionality:

• Accounting for the entire family budget;
• Possibility of accounting for a loan from a bank;
• Debtor accounting;
• Work with an unlimited number of accounts;
• Possibility of phased debt repayment;
• Formation of reports in the form of text and diagrams;
• Creating a backup copy of the database;
• Setting a password for the program.

It should be noted that "family accounting" can be used, done free of charge, if the total income does not exceed 8000 rubles.

If you want family accounting to always be normal, it is recommended to pay attention to such a program as "Home Bookkeeping". The application occupies a leading position among the software designed for calculating profits and costs.



Family Accounting is divided into the following tabs:

• Accounts;
• Expenses;
• Planning;
• Debts;
• Income.

This division may not be very convenient. For competitors, expenses and income are displayed in one tab. Thus, you can understand how effective budget planning will be.

Main functionality:

• Creation of multiple accounts;
• Credit accounting;
• The possibility of partial repayment of debts;
• Loan payment reminder;
• Budget planner;
• Quick search filter;
• Creation of reports and their visualization;
• Database compression capability;
• Automatic update.

Family bookkeeping will always be calculated, all that remains is to download the program from the official website.

The application is designed for quick budgeting. The program occupies a leading position in its software niche. The functionality of the program is quite diverse. As for the interface, it is not complicated, but you will have to tinker with some features. This is due to the fact that not all functionality is placed on the control panel. For example, account-to-account transfers are located in the Finance menu, although expenses and income can be found directly in the control panel.



It should be noted that only the demo version can be downloaded for free. This is enough for familiarization. Perhaps, for someone, those functions that are available in the free version will be enough. It should be noted that you can edit existing items of income and expenses.

The main advantages of the program include:

• The ability to create an unlimited number of accounts;
• Planning your budget;
• Debt module;
• Creation of 10 types of reports;
• Availability of reference information;
• Data export to Excel;
• Creating a backup.

Thanks to in-depth analysis, you can understand what is worth spending more money on, and what is better to give up. It is recommended to download the program from the official website.

Multifunctional program that allows you to protect your budget from unnecessary waste. The program is made in the style of Microsoft Office. All sections are signed and also equipped with icons. To schedule an event, you need to use the organizer.



Functionality of the program:

• Scheduling financial events;
• Keeping records in multiple accounts;
• Calculation of profitable deposits taking into account inflation;
• The ability to view the latest financial news;
• Drawing up reports.

The program fully copes with the task. The only thing worth remembering is that the program is not free, although you can download it without registering on the site.

The program combines ease of use and versatility. Even a novice user can handle the controls. You can customize the categories of expenses and income. It is not very convenient to transfer funds between your accounts, but you can get used to it.



Compared to other similar programs, developers devote little time to their product, so updates are rarely released. It should be noted that the program is paid, but most of the functions are available in the demo version. The ban is set on planning.

The functionality is quite diverse, but it can be distinguished:

• High performance, thanks to which calculations and charting are carried out in a matter of seconds;
• Database backup capability;
• Working with deposits and loans;
• Export to any convenient format;
• Search by specified criteria.

In general, the program can compete with analogs, besides, the license is only 250 rubles.

Video review of programs for maintaining a family budget

Looking for free home accounting software? Then you've come to the right place.

Household bookkeeping is the success of maintaining wealth in the family.

You can control income and expenses as in the old fashioned way, i.e. in a notebook, and by modern methods, by installing the appropriate software on a PC.

In particular, we will consider 5 of the most convenient and common programs for these purposes.

1. HomeBank;
2. Family Budget Lite;
3. Family Accounting;
4. CashFly;
5. Home Bookkeeping Lite.

HomeBank

Free application that allows you to keep track of your finances.

With the help of the software, you can fully control your income and expenses, plan your family budget, analyze your expenses and more. Take full control of your spending.

The program supports tight integration and data import from Microsoft Money and Quicken services, as well as other applications for managing your own funds.

Supports QIF, QFX, CSV and OFX formats.

The functions provide for the detection of duplicate transactions. This avoids confusion in calculations and clutter in the database.



Note! You can organize transactions by categorizing them. You can also schedule the automatic addition of receipts to the created database by adding various tags and more. There is also a function that allows you to edit several fields at the same time, which greatly speeds up and simplifies the accounting process.

Set an annual or monthly budget level for each category as needed.

Generate dynamic reporting that reflects the current state of your financial position. If necessary, they can be provided with diagrams for clarity.

Family Budget Lite



This program is designed to relieve your agony in relation to the calculation of personal spending. All you need to do is enter your own income and expenses in the appropriate columns.

The program will do all other operations on its own.

The customer benefits are as follows:

• the profitability is taken into account for several main categories and accounts;
• you can deal with accounting for your own debts, loans, investments, deposits and other settlements;
• you can use the auto-categories function, i.e. when entering product names, the program will automatically select the required category from the table;
• detailed report from 8 parts with one click;
• export to HTML, BMP, TXT, Word, etc. It is also possible to print and save the document.



The client can be used by several people at the same time. Moreover, everyone will have their own account and password.

The latter can be installed when starting the application.

Searching for income and expenses is very convenient, since it is possible to set up the search results by several filters at once: product, date, category, etc.

Family Accounting



If you do not want to systematically wonder where money is constantly going, use this program.

You do not have to speculate and remember where the money went, which was put off for so long for an important purchase, but at a critical moment took and evaporated in the literal sense of the word.

The program will allow not only to analyze, but also to control the proceeds. You can also plan your own expenses by thinking over the budget more carefully.

The client has enough opportunities:

• accounting of income and expenses;
• accounting for debts (both borrowed and borrowed);
• analysis of financial transactions;
• possibility of accounting in different currencies.



You are free to work in the program yourself, or give access to other users. Everyone will log into the system with their own credentials.

For safety, there are archival copies of databases that can be saved for later recovery from the archive or downloaded to Excel /.

CashFly



CashFly is a simple and very user-friendly program for accounting personal financial transactions.

You can create tiered structures that display items of income and expense.

It is also possible to build charts of varying degrees of complexity, based on previously entered data and other important financial information for you.



It includes an address book, a list of organizations, and a personal diary that allows you to record reminders of important events for you.

The application is capable of keeping records in almost any given currency, performing scheduled calculations and printing data.

Databases are password protected for greater security and safety of content.

Home Bookkeeping Lite



This application is intended for financial accounting. You can organize both personal and family expenses.

Also, the program is perfect for systematizing the profitability of small companies and enterprises.

The software is very easy to use and does not require any accounting knowledge from the end user. You have the ability to record income, expenses and other transactions.

The number of accounts is unlimited.



Note! You can make your entries in several currencies without being tied to any particular unit of calculation. If the application is used by several people at the same time, the entries are entered independently, since the logon is carried out under different accounts.

The program interface is in Russian. It is intuitive even for beginners. It is possible to adjust the interface for the needs of a particular user.

A special help system is provided to resolve issues.

As you can see, home bookkeeping is possible not only on paper.

Now, in order to store several records and not get confused in calculations, you just need to install one of the applications, create your account and start calculating, systematizing the total profitability and other financial transactions.

This is much more convenient than long hours of calculating costs on a calculator, followed by filling in tables.

And it is much more difficult to make a mistake in the calculations, since the system will warn about possible duplicate data.

The best home bookkeeping software. Home Bookkeeping Overview

Top 5 free home accounting software for every day