Life as a student isn't always all peaches and cream. After secondary school you find yourself in a new life full of responsibility. Among them is the money management. For students away from home or those who have to pay for their studies by working, it can be challenging to keep up with bills, rent, tuition, etc. 

Banana Accounting is an easy and intuitive program that will guide you through this difficult task and help you to realize your future projects.

• ▶ Video: Free Student Accounting

Why you should download Banana Accounting

• Constant control of your balance: one of the main features of Banana Accounting is that you can keep track of your income and expenses over time. This will allow you not to overspend and avoid reaching the end of the month without money. For a student is very important to understand how they are spending their money, especially when they have to pay for a study loan or have to pay for their studies with limited money available.

• Planning and saving: thanks to the Budget function you can finally plan your study expenses, the purchase of a car or the repayment of a loan. In fact, this function will let you know how much money you will have in a certain period.

• Quick and easy: If you want to start your accounting, just download the template on this page, which contains all the items for your student needs. Just add the amounts and the program will do the rest.

• Increase your digital skills: Digital skills help to master new technologies in a conscious way. Besides learning the basics of accounting and thus managing one's money, Banana Accounting will enable you to increase your digital skills. You will learn how to use a new software, to work with documents and digital links, saving paper and time. You will be able to transfer these skills into various areas of your life, for example work and private life.

Banana Accounting in comparison with other programs

Compared to accounting recorded in Excel or other programs, Banana allows you to process your budget in simple steps. In addition, you can obtain the liquidity plan, a tool that will keep track of the liquidity trend over time and will be able to report when there will be a shortage or lack of money.

How to use Banana Accounting

• Open the template with Banana Accounting's WebApp
• Using the File → File properties command, set the period, family name, and base currency (you can budget and do accounting in any desired currency).
• Using the File → Save As command, save the file. It's helpful to indicate the family name and the year in the file name. For example, "Giuseppe-Rossi-20xx.ac2". 

ATTENTION: If you close the browser without saving, you will lose your file. Always save the file to your computer.

To reopen the saved file, click on File > Open.

Actual revenues and expenses records

We now go straight to the transactions. You will need to enter the date, the description, the amount and the category. To simplify the entry of the category, the program will suggest you the list of categories simply by entering the initial of the word. 

Be careful to enter the amounts in the correct column: if it is money you receive, write the amount under "Income", and if it is money you spend, under "Expenses".

Loans and scholarships

If you have loans or scholarships, you will need to register them separately in order to distinguish between your income money and money that is not yours. If it is a student loan, you can also record the repayment, and keep track of how much money you still have to pay back. 

Attach invoices, receipts, pay checks...

In the Transactions table, Banana Accounting allows you to attach PDF files of receipts, bills, invoices, pay checks, etc.. Simply move under the DocLink column and choose the file you want. This way you will also have proof of your expenses and income details.

To enter the DocLink column, move to the Data Menu → columns setup → activate DocLink.

Final Check

If you want to be sure you haven't made any mistakes, Banana Accounting helps you with a very useful check function. It reports errors and shows you the lines where exactly they are located (for example if you forgot to record a category or an amount). 

To do the check, go to the menu Actions→ Check accounting.

Let's get a better understanding of Accounting: What is Accounting and what is it for?

The word "accounting" can give us the idea of being a complex and obscure concept.  It's actually less complicated than we think.  In simple terms it is the recording and control of our money or that of someone else or a company.  By "transactions" or "registrations" we mean the income and outgoings, i.e. the money that comes in and the money that is spent. 

The control of income and expenses is fundamental in the management of a company, which aims to maximize revenues while reducing costs. Through accounting you have immediate information about the economic trend, which allows you to make timely strategies to correct or improve the management of the company with a view to future achievements.

Accounting also makes it easier to fill out the tax return because you have an immediate view of your income and expenses, where your income comes from, how you spent the money and the status of your balance. 

In addition to large companies and small businesses, accounting also helps individuals in their everyday life, for example to keep track of family expenses or for small or important plans, such as buying a house. 

Accounting will enable each of us to become a real entrepreneur.

The basic concepts of Accounting

Budget

The Budget is a forecast of your income and expenses with the indication of the category. The Budget will allow you to check that your outgoings do not exceed your income and, where necessary, avoid expenses.

In order to make a proper budget you will have to write down type of income you think you will have and all fixed and extra expenses at the beginning of every year.  By predicting your expenses and income you will have a very clear vision from the beginning and a greater control over your money that will allow you to plan and optimize your savings in order not to spend more than you have. With the budget you will be able to compare your forecasts with the real evolution of your money in order to correct your expenses in case you spend your money improperly. 

Cash plan

The cash plan is the real evolution of income and expenditure over time. Through the categories, Banana allows you to control where your money comes from (e.g. from your part-time job), the type of expenses you make (party night with friends) and when these movements take place.

Cash Flow Forecasting

Through the budget you can see the future balance (expected evolution of the liquidity balance). In fact, Banana will also allow you to enter the date of your registrations, which will allow you not only to plan and optimize your expenses, but above all to know in advance a possible lack of money and avoid unnecessary expenses. In view of a more substantial expense, such as a new phone, you will be able to predict when and how much money you will need to have to afford this expense. 

In conclusion, the cash plan and the budget are two complementary tools extremely useful to learn how to manage your money, optimize your expenses or move in time to change them in order to achieve a certain goal. This will allow you to make your spending consciously and avoid running out of money. 

In a nutshell: Why Banana? 

• Free downloadable application on your mobile phone or computer
• Quick and easy
• Planning to set goals
• Learn the art of saving and become an entrepreneur

References

Burek, Owen. How to Budget at University. Save The Student (2019).

Roberts, Amy. Student Budgeting Planner. Tools including spreadsheets to get yo ur budget in order. MoneySavingExpert 

Segal, Troy. Money Management for College Students. Investopedia (2020).

Vohwinkle, Jeremy. Financial Planning for College Students. Learning the Financial Ropes at a Young Age Can Pay Dividends. The Balance (2018).

Creating a family budget with Banana Accounting is like creating it with Excel, but faster, more secure, and completely free. Thanks to the ready-to-use template with tailor-made accounts, you start right away, you just enter the data.

Quickly create forecasts and see where you can save money and what payments you can postpone. Quickly record your income and expenses and know if you're on a budget and if you can pay your bills at the end of the month. You can edit and correct data at any time, so it's easy to update your forecasts and get the most out of your money and save as much as possible.

Don't worry, you don't need accounting knowledge to start managing your accounts with Banana, and once you have control over your finances, you will think about the end of the month with more serenity and less stress.

This is how in a few steps you will be able to improve your financial situation:

​

Only by following all three steps will you learn how to manage your finances in the best possible way and achieve maximum success. It will take a little effort at first, but once you understand the mechanism, you'll be able to go on with it!

Are you ready? Start from here!

Create your file

How to use Banana Accounting

• Open the template with Banana Accounting's WebApp
• Using the File > File properties command, set the period, family name, and base currency (you can budget and do accounting in any desired currency).
• Using the File > Save As command, save the file. It's helpful to indicate the family name and the year in the file name. For example, "Family-Smith-20xx.ac2". 

ATTENTION: If you close the browser without saving, you will lose your file. Always save the file to your computer.

To reopen the saved file, click on File > Open.

Adapt accounts and categories tables

Before creating your own budget, you need to quickly adapt your account and categories to your specific needs.

Accounts table

The Accounts table only shows the Liquidity account, or rather, the liquidity in your possession. You can customize it by changing the account number, description and opening balance.

Categories table

This table contains the income and expense categories, of which you can see the updated balances at any time. There are also the Cost centers, which are used to know in detail the amount of expenses and income for each member of the family.

The categories are divided according to the same structure explained in detail in the Planning paragraph:

• Revenue
• Fixed expenses
• Variable expenses

You can also edit categories and cost centers by adding new items, changing the category number, changing the order and deleting lines that you don't need.

Create your budget

Insert your expected income and expenses

Now it's time for the planning phase, you have to insert the expected expenses and revenues: go to the Budget table. The creation of the budget is really easy, you just have to enter the amounts of income and expenditure that you expect to have during the year, giving it a category of expenditure.

• In the template you already find lines for the various expenses, which you complete with your amount
• Enter the repetitive operations only once, indicating the code Repeat

If you make mistakes you can always correct, so you're sure you can make your own perfect forecast!

To create the budget correctly, follow three simple steps:

• Insert your income
• Insert fixed expenses
• Insert variable or extra expenses

For more technical information, please consult the documentation page of the Budget table.

Insert income

Start by thinking about all the fixed income you have and the amount of it. Salary is the main income, but there may also be others depending on your work and your assets.

Revenue may include:

• Salary
• Real estate rents
• Maintenance cheques
• Bank and postal interests

Tip: Only rely on assured income.

Insert fixed expenses

Now it’s time to think about all the fixed costs. This type of expenses includes both annual and monthly expenses and you can estimate them based on those of the previous year. For expenses that vary slightly from period to period you can make an average estimate, rounding up the amount to be more cautious. It’s better to make an inaccurate forecast at the beginning of the year, and then adjust it, than to have surprises of higher expenses.

For example, to insert the monthly rent expense you must enter the start date (usually the beginning of the year), the repetition (how often this expense is repeated), the description, the amount in the expense column and the expense category.

In the template you can already find examples of fixed expenses that you can easily modify and eliminate, according to your needs. You can still insert new items.

Fixed costs may include:

• Rent or mortgage for the house
• Taxes and duties
• Insurance
• Medical expenses (health insurance)
• Television fee
• Electricity, water and gas
• Foodstuffs
• Transport (fuel, season ticket for public transport)
• Personal care costs (personal hygiene, household hygiene)
• Education costs (university fees, school books, newspaper subscription)

Insert variable or extra expenses

Now do the same thing, but thinking about all those expenses not of basic necessity (we can call them extra expenses), which are usually variable during the year.

Variable expenses may include:

• Holidays
• Meals and drinks in restaurants and bars
• Cinema, theatre and shows
• Shopping
• Various gifts
• House breakdowns
• Car repairs
• Hobbies
• Cigarettes

Also in this case you have to make a presumed estimate of all the extra expenses, thinking about how many times you incur each single expense and of course its amount.

Tips:

• For each extra expense, set a monthly ceiling, which is a maximum amount that you should not exceed monthly. Respecting it will allow you to keep your spending under control.
• Unforeseen expenses, such as car repairs and house breakdowns, estimate them annually, divide them by 12 and report this figure monthly.

View the monthly forecast

An action that is often underestimated is the control of budgeted expenses and income, to determine from the beginning how you are managing your money.

To do this visualization is very easy: just go to Report > Enhanced statement with groups, and from the list that appears choose the Monthly Forecast report (is the most important report to consult in this situation). Press OK to view the report. The program shows you for all months and for the year:

• Liquidity status
• Total income and expeses
• The surplus or deficit of the month

In addition to the monthly forecast, you can freely view annual, quarterly and 4-year reports in Report > Enhanced statement with groups, or create your own customized report.

Improve your financial situation

Surely the goal you want to achieve is to save as much as possible. Check the Change in cash item (highlighted in red in the image above) and make sure you have a positive value, especially at the end of the year. In this case it means that you are generating savings, and that's good!

On the other hand, if your expenses are greater than your income, it means that you're mismanaging your money or you've made a mistake in your budget. Check if you have overestimated some expenses and change it correctly or choose one or more extra expenses that you will commit to reduce during the year.

• See if you have months with a deficit
• Check to see if there are any months in which your liquidity goes into negative (means you have a problem)
• Check which expenses affect this deficit
• You can make improvements:
  • By eliminating expenses that are not essential
  • By reducing expenses
  • Moving expenses later in time
  • Checking if you have a chance to increase revenue

It's time to actually keep your accounts!

With the budget under control, including the "savings goal", you can start register the various real transactions of money and compare them from time to time with the expected values.

Daily transactions must be inserted in the Transactions table. To make a registration you must enter the date, the description, the amount in or out and the respective category, just like you did for the forecast a while ago. Easy, isn't it?

For each expense you can also enter the code of the cost center (family member) in the column CC1, so you can update the amount of expense for each member of the family.

View the transactions with account cards

When you register your transactions, you may want to check how a particular expense category or cash account has evolved over time. To do this, you can check the  respective Account Card.
For example, by selecting the Liquidity account card you will have a summary of all its movements. By also clicking on the chart option below, you have an even more immediate view of the account's performance.

Tip: Check your Liquidity account at least once a month to see instantly how it is performing and compare it with the months that are passing.

Check the difference between balance and budget

For more control over your performance, you can go to the Categories table and look at the Diff. Budget column, which shows you, for each category, the difference between the real balances and the values you had budgeted. In this way you have an additional indicator to understand if you are following the budget well and to make better decisions.

Compare the forecast with the report 

During the year you can compare at any time your current situation with the budget, to understand if and where you are spending more, in order to adapt your buying habits and save more! At the end of the year you can make the final comparison between the actual report and the budget to see if you have achieved the desired savings.

Create the control report from the menu Report > Enhanced statement with groups > Yearly report compared to Budget.

Also in this case, if you want to have a more precise and targeted view, you can create reports with the monthly subdivision, which also include the difference between the balance and budget of each month. This gives you an overview of the months in which you had the most financial difficulties and those in which you saved the most.

When you get to the end of the year, you will have to re-plan the next one by creating a new forecast, using exactly the same procedure as before. A new savings goal awaits you!

Try the income/expense method

You're getting on well with the Cash Book system, but do you need to manage more accounts like the bank or postal account? You can then switch to the Income/Expense accounting: it is more complete and works in the same way as the Cash Book!

Page Family budget and Household account (Income & Expense)

For the Income/Expense accounting you will have a limit of 70 transactions and 20 lines for the budget, but if you want to exceed this limit and use Banana Accounting without limits, you can buy a license key and explore all types of accounting.

This template is based on the management of Household accounts. In the Budget table you will be able to enter all the fixed and variable revenues and costs that you forecast to arise during the year. Reports can be generated automatically, at any time and will allow you to have an immediate overview of the accounts in their current and forecasted status.

Create your file

• Open the template with Banana Accounting's WebApp
• Using the File → File properties command, set the period, family name, and base currency (you can budget and do accounting in any desired currency). 
• Using the File → Save As command, save the file. It's helpful to indicate the family name and the year in the file name. For example, "Family-Smith-20xx.ac2". 

Adapt accounts and categories tables

Before creating your own budget, you need to quickly adapt your account and categories to your specific needs.

Accounts table

The Accounts table only shows the Liquidity account, or rather, the liquidity in your possession. You can customize it by changing the account number, description and opening balance.

Categories table

This table contains the income and expense categories, of which you can see the updated balances at any time. There are also the Cost centers, which are used to know in detail the amount of expenses and income for each member of the family.

The categories are divided according to the same structure explained in detail in the Planning paragraph:

• Revenue
• Fixed expenses
• Variable expenses

You can also edit categories and cost centers by adding new items, changing the category number, changing the order and deleting lines that you don't need.

Create your budget

Insert your expected income and expenses

Now it's time for the planning phase, you have to insert the expected expenses and revenues: go to the Budget table. The creation of the budget is really easy, you just have to enter the amounts of income and expenditure that you expect to have during the year, giving it a category of expenditure.

• In the template you already find lines for the various expenses, which you complete with your amount
• Enter the repetitive operations only once, indicating the code Repeat

If you make mistakes you can always correct, so you're sure you can make your own perfect forecast!

To create the budget correctly, follow three simple steps:

• Insert your income
• Insert fixed expenses
• Insert variable or extra expenses

For more technical information, please consult the documentation page of the Budget table.

Insert income

Start by thinking about all the fixed income you have and the amount of it. Salary is the main income, but there may also be others depending on your work and your assets.

Revenue may include:

• Salary
• Real estate rents
• Maintenance cheques
• Bank and postal interests

Tip: Only rely on assured income.

Insert fixed expenses

Now it’s time to think about all the fixed costs. This type of expenses includes both annual and monthly expenses and you can estimate them based on those of the previous year. For expenses that vary slightly from period to period you can make an average estimate, rounding up the amount to be more cautious. It’s better to make an inaccurate forecast at the beginning of the year, and then adjust it, than to have surprises of higher expenses.

For example, to insert the monthly rent expense you must enter the start date (usually the beginning of the year), the repetition (how often this expense is repeated), the description, the amount in the expense column and the expense category.

In the template you can already find examples of fixed expenses that you can easily modify and eliminate, according to your needs. You can still insert new items.

Fixed costs may include:

• Rent or mortgage for the house
• Taxes and duties
• Insurance
• Medical expenses (health insurance)
• Television fee
• Electricity, water and gas
• Foodstuffs
• Transport (fuel, season ticket for public transport)
• Personal care costs (personal hygiene, household hygiene)
• Education costs (university fees, school books, newspaper subscription)

Insert variable or extra expenses

Now do the same thing, but thinking about all those expenses not of basic necessity (we can call them extra expenses), which are usually variable during the year.

Variable expenses may include:

• Holidays
• Meals and drinks in restaurants and bars
• Cinema, theatre and shows
• Shopping
• Various gifts
• House breakdowns
• Car repairs
• Hobbies
• Cigarettes

Also in this case you have to make a presumed estimate of all the extra expenses, thinking about how many times you incur each single expense and of course its amount.

Tips:

• For each extra expense, set a monthly ceiling, which is a maximum amount that you should not exceed monthly. Respecting it will allow you to keep your spending under control.
• Unforeseen expenses, such as car repairs and house breakdowns, estimate them annually, divide them by 12 and report this figure monthly.

Check the budgeted expenses and revenues

To complete your budget, there is only one last step left to take, which is very important to start taking into account real expenses and revenues: you have to compare the budgeted income and expenses.

This is very easy to do: just go to Report → Enhanced Statement with groups, and from the list that appears choose the report you want (usually the most useful in this case is the Annual Budget). Press OK to view the report.

Surely, the goal you want to achieve is to save as much as possible. So check the Profit and Loss Statement and make sure your income is higher than your expenses, in this case it means you are saving money, and that's good!

By contrast, if the expenditure is greater than the income, it means that you are mismanaging your money or you have made a mistake in the budget. Check to see if you have overestimated some expenses and change them correctly or choose one or more extra expenses that you will strive to reduce during the year.

Insert your transactions

With the budget under control, including the "savings goal", you can start register the various real transactions of money and compare them from time to time with the expected values.

Daily transactions must be inserted in the Transactions table. To make a registration you must enter the date, the description, the amount in or out and the respective category, just like you did for the forecast a while ago. Easy, isn't it?

For each expense you can also enter the code of the cost center (family member) in the column CC1, so you can update the amount of expense for each member of the family.

Compare the forecast with the report 

During the year you can compare at any time your current situation with the budget, to understand if and where you are spending more, in order to adapt your buying habits and save more! At the end of the year you can make the final comparison between the actual report and the budget to see if you have achieved the desired savings.

Create the control report from the menu Report → Enhanced statement with groups → Yearly report compared to Budget.

When you get to the end of the year, you will have to re-plan the next one by creating a new forecast, using exactly the same procedure as before. A new savings goal awaits you!

Banana hat ein Haushaltsbuch entwickelt, das das Verwalten der Konten zu Hause erleichtert. In Kürze:

• Sofortiger und vollständiger Überblick über die finanzielle Situation
• Detailansicht der zukünftigen Entwicklung der Finanzen

Im Gegensatz zu anderer Buchhaltungssoftware ermöglicht Ihnen unsere Methode, in die Vergangenheit, die Gegenwart und die Zukunft zu blicken.

Vorteile unserer Vorlagen für die Verwaltung der Finanzen zu Hause

In Banana Buchhaltung wird die Kakebo-Methode mit einer eigenen Technologie kombiniert, damit Sie auch die Finanzen im Haushalt besser verwalten können.

Die Methode Banana hat folgende Vorteile:

• Ordnungsgemässe und genaue Klassifizierung der Ausgaben je nach Bedürfnis
• Prognose der Ausgaben und Einnahmen
• Täglicher Überblick über die Ausgaben für ein besseres Konsumverhalten
• Hilft sparen zu lernen
• Fördert die Selbstdisziplin
• Sie sind entspannt, weil Sie nie mehr ausgeben, als zur Verfügung steht.

Klassifizierung der Einnahmen und Ausgaben

Banana übernimmt von der Kakebo-Methode die Struktur der Kategorien (Ausgaben), mit Hinzufügen einer Business-Kategorie, um die mit einer Nebentätigkeit verbundenen Kosten unter Kontrolle zu halten.
Die Struktur der Ausgabeposten ist nur ein Ausgangspunkt; sie kann zu Beginn oder während des Jahres angepasst werden, um besser auf Ihre Bedürfnisse und deren Entwicklung einzugehen (wenn Sie z.B. Immobilien besitzen und diese vermieten, ist es sinnvoll, eine Gruppe zu bilden, in der alle Einnahmen und Ausgaben im Zusammenhang mit der Immobilie zusammengefasst sind).

• Einnahmen
  Alle Einnahmen jeglicher Art
• Ausgaben
  Die Ausgaben werden so klassifiziert:
  • Fixe Ausgaben
    Sind die Ausgaben, die regelmässig anfallen und die nicht umgangen werden können (wie Miete, Hypothek, Versicherung, Telefonabonnements, öffentliche Verkehrsmittel, Fitnessstudio, Sozialversicherungsbeiträge)
  • Veränderliche Ausgaben
    Ausgaben, die mehr oder weniger nötig sind, wobei die Möglichkeit besteht, selber Produkte aufgrund des Preises auszuwählen
    • Alltag
      Die üblichen, unvermeidbaren Ausgaben für Lebensmittel, Gesundheit, Verkehr oder andere Zwecke
    • Fakultativ
      Ausgaben für Freizeit und Vergnügen
    • Kultur
      Ausgaben, die Geist und Körper bereichern
    • Extra
      Alle Ausgaben, die nicht in andere Kategorien fallen oder die langzeitig sind.
      Bei der Einnahmen/Ausgaben-Rechnung sowie der doppelten Buchführung werden langzeitige Ausgaben wie Investitionen behandelt und als Aktiva gebucht
    • Business.
      Ausgaben im Zusammenhang mit Nebentätigkeiten

Effektive Ausgaben und Einnahmen buchen

In der Tabelle Buchungen werden alle Ausgaben angegeben. Neben Datum, Beschreibung und Betrag definiert man die Kategorie einer Ausgabe

• Bewegungen können aus dem Kontoauszug der Bank importiert werden.
• Belege erhalten eine fortlaufende Nummer in der Spalte Beleg
  So ist es einfach, Dokumente wieder zu finden
• Buchung können an ein digitales Dokument gebunden sein, das gescannt und auf Ihrem Computer gespeichert ist

 In der Tabelle Kategorien haben Sie einen sofortigen Überblick über Ihre finanzielle Situation.

Finanzplanung

In der Tabelle Budget können Sie Bewegungen eingeben, die Sie voraussehen.

Die Daten werden zu Beginn des Jahres eingegeben, aufgrund von dem, was Sie erwarten zu verdienen und auszugeben; periodisch können Sie alle Ausgaben und Einnahmen überprüfen und mit dem Budget vergleichen. So können Sie eine detaillierte Finanzplanung erstellen und wissen, wie sich Ihre Finanzen im laufenden und in den folgenden Jahren entwickeln werden.

• Sich wiederholende Bewegungen, geben Sie sie nur einmal ein
  • Alle festen Ein- und Ausgaben, die sich nie ändern
  • Sie müssen die variablen festen Ausgänge schätzen.
  • Die anderen Ausgaben können Sie auch schätzen und als wiederkehrende Ausgaben eingeben
• Wichtige Ausgaben, wie z.B. der Kauf eines Autos, müssen Sie vorhersagen und auch das voraussichtliche Datum angeben

Sie werden augenblicklich wissen, wie sich Ihre Finanzen entwickeln werden

• Sie sehen sofort, ob Sie genug Geld für Ihre Ausgaben haben
• Sie sind in der Lage, Liquiditätskrisen frühzeitig zu erkennen
• Bei grösseren Ausgaben können Sie simulieren, wie sie sich auf Ihre Finanzen auswirken würden

Die Art der Buchhaltung, die Ihren Bedürfnissen am besten entspricht

Sie können die Art der Buchhaltung wählen, die Ihren Bedürfnissen am besten entspricht. Es stehen gebrauchsfertige Vorlagen mit Konten und Kategorien zur Verfügung:

• Kassenbuch
  Für eine einfache und effiziente Kontrolle der Ausgaben und der Finanzplanung
  Alle Einnahmen und Ausgaben werden so betrachtet, als ob sie von einem einzigen Konto stammen
• Einnahmen-und Ausgabenrechnung
  Neben dem Ausgabeposten wird auch das Herkunfts- oder Bestimmungskonto angegeben. Ausserdem haben Sie einen klaren Überblick über Ihr Vermögen, Ihre Bankkonten und Kreditkarten. Sie können auch andere Aktiva wie Investitionen, Autos, Möbel, Wohnungen und sogar kurz- oder langfristige Darlehen im Auge behalten.
• Doppelte Buchführung
  Das ist die professionelle Art und beruht auf internationalen Standards. Buchungen werden eingegeben, indem man das Konto Soll und Haben angibt.
• Doppelte Buchführung mit Fremdwährungen.
  Wird verwendet, wenn Sie Konten und Ausgaben in verschiedenen Währungen verwalten möchten.

Wenn sich Ihre Bedürfnisse ändern, können Sie Ihre Buchhaltung auch während des Jahres in eine andere umwandeln. (Z.B. von der Einnahmen-Ausgabenrechnung auf die Doppelte Buchhaltung übergehen).

Geschichte und Struktur unserer Methode für Hauskonten

Die Banana Methode für Haushaltskonten basiert auf der Kakebo-Methode, einem innovativen japanischen System, das Anfang des 19. Jahrhunderts entwickelt worden ist. Die Kakebo-Methode kombiniert die Planung von Ausgaben für den Haushalt mit dem Erfassen von Ausgaben. Zu Beginn des Monats werden Einnahmen, fixe Ausgaben, die variablen Ausgaben und Sparziele definiert. Während des Monats werden die tatsächlichen Ausgaben erfasst, so dass am Ende des Monats Ihre finanzielle Situation und erreichten Ziele leicht zu erkennen sind. Diese ständige Arbeit von Voraussehen und Kontrolle ermöglicht es Ihnen, eine ganze Reihe von Wissen zu erwerben, das es Ihnen ermöglicht, Ihre finanzielle Situation besser zu managen.

Die Methode Banana verfolgt das gleiche Konzept, indem sie die Planung mit der tatsächlichen Datenerfassung kombiniert, aber im Gegensatz zur Kakebo-Methode bietet sie neben dm Anzeigen der monatlichen festen Einnahmen und Ausgaben auch eine vollständige Planung mit allen Einnahmen und Ausgaben für das nächste Jahr oder die nächsten Jahre. Diese Zukunftsvision ermöglicht es Ihnen, Ihre Ressourcen besser zu kontrollieren und wichtige Entscheidungen mit grösserer Sicherheit zu treffen. Während Sie Ihre tatsächlichen Ausgaben buchen, sind Sie immer auf dem neuesten Stand Ihrer finanziellen Situation und können sehen, wie weit Sie gekommen sind.
Die Finanzplanung von Banana basiert auf der Buchführung. Prognosen werden mit den gleichen Ausgabepositionen und durch Erfassen von Budgetbuchungen erstellt. Es besteht eine totale Symbiose zwischen Prognose- und effektiven Daten, die eine effiziente Kontrolle der Ausgaben und eine Verbesserung der Prognosen ermöglicht.

Offensichtlich ist die Methode Banana optimiert, um die Konten mit dem Computer zu verwalten. Alle Rechnungen und Projektionen werden von der Software Banana Buchhaltung durchgeführt. Das ist einfacher und Sie verfügen immer über aktuelle Informationen. Die für Banana typischen Funktionen erleichtern die Buchführung und erlauben, einfach und schnell machen.