1C: Money 8

For automation of accounting of personal and family finance, planning of income and expenses and also for their analysis 1C Company offers the simple and convenient tool – the program "to 1C: Money 8".

The cash accounting in the program is kept by storage locations, in program terminology – Purses. Purses are understood as any storage locations – bank accounts, electronic "purses", debit and credit cards, purses of family members, envelopes, boxes, etc. In each purse it is possible to store money only in one currency.

Design of operations on registration of income and expenses, on funds transfer between purses and on currency exchange is provided in the program. Registration of transactions with debts and the credits, accounting of property, planning of the forthcoming transactions with money and also planning of savings are implemented. For convenience of work the user performs all operations on a desktop in appropriate section of the program. Switching between sections is executed in a side bar.

Brief summary of the program

The section of Transaction is used for input of different transactions with money and for obtaining information on a current status of finance – a remaining balance of means by purses and currencies. Up-to-date data about debts, the credits, savings and other information are also provided in this section. For planning known, both the single, and repeating transactions, it is intended undressed Calendar.

In the section Debts it is possible to enter information on the money both received, and issued as a loan, to register return and respectively receiving debts. Besides, in this section it is possible to obtain information on a status of all registered debts.

The section of Accumulation allows to plan and control process of funds accumulation for achievement of the specific financial purposes – purchases of the car, acquisition of kitchen furniture, etc.

For accounting of the obtained credits, registration of the accrued interest and operations on loan repayment can utilize the section Credits.

The section Property is intended for accounting of property which is in use and also for registration of change of its cost.

For planning of the income and expenditure budget in the set period and also for control of budget implementation it is used undressed Budget.

Estimate the value of a balance in cash on the basis of the actual data entered into the program in the last periods and predict its change taking into account expected change of income and expenses Long-term planning is possible in the section.

Analyze an income behavior and expenses, to compare income and expenses for two periods and also it is possible to obtain other necessary information using reports of the section Reports. In this section it is also possible to create tax declarations on income of individuals on f. 3-NDFL and t. 4-NDFL. For simplification of filling of the declaration on f. 3-NDFL the special assistant is provided in the program.

Let's notice that separate sections of the program are closely connected among themselves. So, after registration of operation on return by the debtor of a part of the amount issued to it as a loan changes happen in three sections. At the same time in the section of Transaction return of a debt in the list of transactions, in the section Debts – reduction of debt of the debtor is displayed, and in section revenues Budget the amount repaid is interpreted as the gained income and is reflected in a tab Debts.

Cash accounting

For the current work on input of any transactions with money it is convenient to use "desktop" of the section of Transaction.

The most part of "desktop" is occupied by the list of transactions. In a panel which is to the right of the list of transactions information on settlement balances in cash for current date in each purse and also by currencies is had. Reconciliation of a settlement remaining balance with actual promotes operating control behind correctness of input of transactions. In the lower panel there are groups of indicators of deviations – Calendar, Savings, "Debts and the credits" and Budget. Indicators of deviations allow to obtain information on overdue and next planned activities, a status of savings, debts and the credits and also on deviations from the budget.

Accounting of income and expenses in the program is conducted by items of income and items of expenditure. Lists of income and expense items are hierarchical and can have any hierarchy level. The list of items of expenditure, for example, can include an expense group Children which contains items of expenditure of Book, Toy, Entertainment and also an expense group Education and Physical culture. Items of expenditure English, "Textbooks and benefits", Stationery, etc. in turn can be a part of the Education group.

In certain cases more detailed accounting, for example on family members, on shops, etc. can be necessary for users. For implementation of this opportunity in the program accounting is provided in additional analytical cuts. So, it is possible to organize accounting of expenses on traveling with articles "Bus", "Share taxi" and "Taxi" on family members. Use of an additional section of analytics Apartment renovation will allow to obtain information on current expenses on this direction in the course of works and also data on the total cost of repair after its termination.

For convenient orientation various means are provided in the list of transactions. Full-text search allows to find all transactions at which is present, including at comments of transaction, the set character sequence. Using tabs it is possible to select transactions which belong, for example, to a specific purse and a certain cash flow – a currency exchange, income, an expense, etc. For search of operation on specific item of income or expenses it is reasonable to use reports "The list of income" and "The list of expenses".

Analyze income and expenses by income and expense items and also additional analytical cuts it is possible using "The report on income" and "The report on expenses". Two charts reflecting data on change of income and expenses in the set period are provided in the report "An income behavior and expenses". The report "Largest expenses" represents the list in which items of expenditure are ranged on their value. In an analysis result of the report the decision on reduction of some expenses, or on splitting article into several subarticles for more detailed analysis can be made.

Planning of transactions

Program "1C: Money 8" allows to plan any transactions with money – income and an expense, return of a debt, accumulation and movement, etc. Frequency of execution of operations can be configured. For purchase, for example, of the washer single operation on a funds expenditure is planned. Some transactions are executed regularly. It can be, for example, payment of a lunch in the dining room, receiving the salary, payment of study at music school, etc. When planning regular transactions the program allows to set frequency of their accomplishment – daily, weekly, monthly and annually. For the repeating non-periodic transactions, for example for return of a debt parts, provide run setting of operations with any diagram.

All planned activities are displayed on section "desktop" Calendar. At the same time names of the performed transactions are shown crossed out, and delayed – are selected in red color. Planned activities are used also at budgeting. For example, if to enter the planned transaction "Pay Training of the Daughter, 10,000 Rub, on August 20, on December 20" for several years ahead, then this transaction will automatically be reflected in the budget for August and for December. Further when planning expenses it will serve in budgets of August and December as a reminder on need to reserve 10,000 rub for training payment.

It should be noted that use of the program at the first stage for accounting only of income and expenses and also for their planning does not require excessive efforts on its mastering and at the same time can provide substantial assistance in streamlining of family finance. Further in process of mastering of the program and also emergence of need for accounting of savings, debts and the credits and also in budgeting of income and expenses it will be possible to pass to work with other sections of the program easily.