Now almost any computer will bring its own excel software. Generally, excel, word and PPT are automatically brought by computers. Open any excel, and then create a blank excel as follows:

After opening, move the mouse to the upper left corner of the table, click "File" and then click "New button", and a completely blank excel is born. Details are as follows:

Step 2: Make a table.

Financial accounting is nothing more than recording the principal amount, expected rate of return, actual monthly income, actual rate of return in the next year and the proportion of funds in each platform. More careful people will remember the payment time of a platform in detail. But in fact, after a long time, the principal is bigger, especially the creditor's rights with equal principal and interest are more, and there are often payments, so it is unrealistic to keep detailed data of payment and investment every day.

Personally, the method I usually use is to install the app of the main investment platform on my mobile phone, and log in to see the investment platform almost every day. One is to sign in and get some small benefits, and the other is to see if there is a refund. The choice of repayment is to reinvest in time. If the individual is too busy, choose automatic bidding directly. In fact, no matter how busy you are, you can take 5 minutes to look at the main investment platforms every day, and most of the time is ok. At the end of each month, use excel to make a unified inventory of personal assets, and almost no bookkeeping is needed at ordinary times. Investment data on other mainstream third-party accounting software are sometimes updated once every few months, but not at ordinary times. The specific method is as follows.

1, title and content

After creating a blank form, manually enter the name of the platform you have invested in, which corresponds to the title of the form. As follows:

These can be filled in manually by moving the mouse directly to the cell. Typing these Chinese characters and numbers as usual is almost zero in difficulty, which is the simplest. A little more complicated is that after the scope of the table is drawn up, you can add a border that is easy to read, as follows:

After selecting the range to add a border, just click the border key below. This is for the sake of beauty. Don't add it if it's troublesome, and it won't affect the accounting content. The two keys on the right are the fill color and font color, which are also used to beautify the table.

2. Enter data for each platform.

(1) Long-term expected rate of return

This column is the creditor's rights you have invested in a platform for a long time. What is the current rate of return of the platform? If you use the actual rate of return in this column, because many times the creditor's rights you invested are not repaid in the current month, or there are two repayments in a month, such as prepayment, the actual rate of return of a single platform in a certain month often fluctuates greatly, so the personal column is the expected rate of return. This piece can be checked by the actual rate of return of the platform every month.

(2) Current principal column

You can query directly through the personal investment data of the platform. This piece uses the principal to be collected, and it will be more accurate when calculating the comprehensive rate of return later.

There is a simple company in the summary, that is, the sum formula is as follows: other function formulas are also in the same button, but the function equations are different if you choose different ones.

If it doesn't work, just add it directly to the cell. Enter the "=" sign in the cell corresponding to the total, then move the mouse to the cell A to be added and click with the left key to select it, then enter the "+"sign, then move the mouse to the cell B to be added and click with the left key in turn, and finally press Enter, the data in the two cells will be added directly, and other platforms will do the same, only adding manual repetition is not as convenient as the above summation formula.

(3) Flow ratio (%)

The principal of a single platform? /? The total principal in the total column is X 100%. The main purpose of this column is to dynamically control whether an individual's position on a certain platform is overweight at any time.

(4) Estimated income this month

This direct use of a single platform at the end of the cumulative income-the cumulative income at the end of last month, is the actual rate of return for the month. If they all pay interest on a monthly basis, the bookkeeping will be very accurate, but the actual situation is that some platforms pay interest once due. For this kind of platform, the expected annualized rate of return of the principal to be collected by the personal platform X platform. /12, so that the actual monthly return rate of a single platform can be calculated more accurately. The total column yield is consistent with the total column principal yield.

(5) Earned this year

The monthly income of a single platform adds up, which means that it has been earned this year. If it is suddenly the first time to start bookkeeping. You can roughly calculate how much you earned this year in your original way and record more detailed financial accounts from this month.

(6) this month's rate of return

Revenue from all platforms? /Principal at the end of last month. The general yield is between 0.8%- 1.5%. If it is too high or too low, the algorithm should be wrong.

(7) annualized rate of return this month

In the form of personal simple interest, is this month's rate of return? X 12, but actually the interest we receive every month is reinvested, and the actual annualized rate of return is in the form of compound interest. Judging from the current rate of return, the actual annualized rate of return of compound interest is more than 0.6% higher than that calculated by simple interest. Remember to save the form after making it, or save it where you can find it. As follows:

(8) for the next bid.

With the form template of the first issue, the next issue will be easy to handle. The method adopted by individuals is:

Move the mouse to the lower left corner, right-click the cell in the lower left corner, and then left-click Move or Copy Table.

After choosing to create a copy, click OK, and a new form exactly the same as the last issue will run before the form you originally compiled. Personally, all my monthly accounting forms are in one big table, as follows:

After all the following are displayed, in fact, my table contains at least more than 20 monthly reports. Compared with other general accounting software, this function is much more powerful, because I can reflect on my personal investment behavior by querying past investment data, while common third-party accounting software can't find past single-cycle data. This is one of the reasons why individuals prefer to use excel.

Third, other asset accounting methods.

The above table is mainly about products with fixed creditor's rights income. In addition to fixed-income products, there may generally be other assets such as gold, funds, stocks, real estate and automobiles. The asset can also be included in an excel table.

The way for personal use is to rebuild a small table directly outside the monthly online loan platform. The method of tabulation is similar to that of online lending. At present, individuals mainly classify fixed assets and current assets, and sum of personal assets. Fixed assets generally do not fluctuate, but they can be updated once a year. Assets in online loans are only a part of current assets, and other current assets, including bank deposits, gold, funds, automobiles, stocks and even futures, can be recorded in a large table.