[{"data":1,"prerenderedAt":-1},["ShallowReactive",2],{"detail-JP2020051215374514470":3,"related-JP2020051215374514470":32},{"pageSize":4,"id":5,"productLine":6,"status":7,"articleCode":8,"articleType":9,"showStyle":7,"mediaType":10,"fileInputUrl":11,"articleTitle":12,"coverImage":13,"listImage":14,"introduction":15,"description":16,"nonVipDescription":11,"postTime":17,"viewTime":17,"sortNumber":18,"isFree":19,"isShowList":7,"isRecommend":19,"linkType":7,"isOriginal":6,"hasMiniUrl":19,"hasAdvertising":19,"updateBy":20,"createTime":21,"visitCount":22,"isLiked":19,"realSearch":23,"isRead":19,"productId":24,"isCollected":19,"collectCount":25,"vipExclusive":19,"allowComment":7,"style":26,"canCopy":19,"likeCount":19,"duration":19,"playStyle":7,"seoKeywords":27,"articleModuleVoList":28,"extendContentList":29,"noteCount":19,"categoryList":30,"dailyKeywordList":31},10,2311,"1",1,"JP2020051215374514470","1041018",3,"","如何把记账习惯融入到自己的生活？","https:\u002F\u002Fimage.jane7.com\u002F118e3adc-60ef-4df0-952c-e39c806a2891.png","https:\u002F\u002Fimage.jane7.com\u002Ff748f7fb-d980-45a0-b0f9-4dc74986427e.png","最近收到了许多读者的来信，不少读者认为记账对于理财来说非常重要，但记账这件事又很难坚持，不知道如何才能坚持每天记账。\n\n我们来看一下，生活中那些将记账习惯融入生活，并产生积极影响的小伙伴是怎么做的呢？","\u003Csection>\n \u003Csection>\n  \u003Csection>\n   \u003Cp style=\"text-align:justify;margin-left: 16px; margin-right: 16px; line-height: 2em;\">\u003Cspan style=\"color: rgb(73, 73, 73); letter-spacing: 1.5px; caret-color: red; font-size: 16px; font-family: "Helvetica Neue", Helvetica, "Hiragino Sans GB", "Apple Color Emoji", "Emoji Symbols Font", "Segoe UI Symbol", Arial, sans-serif;\">最近收到了许多读者的留言，不少读者认为记账对于理财来说非常重要，但记账这件事又很难坚持，不知道如何才能坚持每天记账。\u003C\u002Fspan>\u003C\u002Fp>\n   \u003Cp style=\"text-align:justify; margin: 0pt 15px; font-size: 11pt; color: #494949; line-height: 1.5em; letter-spacing: 1.5px;\">\u003Cbr>\u003C\u002Fp>\n   \u003Cp style=\"text-align:justify; margin: 0pt 15px; font-size: 11pt; color: rgb(73, 73, 73); letter-spacing: 1.5px; line-height: 2em;\">\u003Cspan style=\"font-size: 16px; font-family: "Helvetica Neue", Helvetica, "Hiragino Sans GB", "Apple Color Emoji", "Emoji Symbols Font", "Segoe UI Symbol", Arial, sans-serif;\">我们来看一下，生活中那些将记账习惯融入生活，并产生积极影响的小伙伴是怎么做的呢？\u003C\u002Fspan>\u003C\u002Fp>\n   \u003Cp style=\"text-align:justify; margin: 0pt 15px; font-size: 11pt; color: #494949; letter-spacing: 1.5px; line-height: 2em;\">\u003Cbr>\u003C\u002Fp>\n   \u003Csection>\n    \u003Csection>\n     \u003Csection>\n      \u003Cp style=\"text-align:justify; margin: 0px 15px; padding: 0px; max-width: 100%; clear: both; min-height: 1em; color: inherit; letter-spacing: 1.5px; line-height: 2em; box-sizing: border-box !important; overflow-wrap: break-word !important;\">\u003Cspan style=\"margin: 0px; padding: 0px; max-width: 100%; border-color: rgb(255, 129, 36); color: rgb(255, 129, 36); font-size: 16px; box-sizing: border-box !important; overflow-wrap: break-word !important; font-family: "Helvetica Neue", Helvetica, "Hiragino Sans GB", "Apple Color Emoji", "Emoji Symbols Font", "Segoe UI Symbol", Arial, sans-serif;\">\u003Cstrong style=\"margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; border-color: #ff8124; color: inherit;\">Dave\u003C\u002Fstrong>\u003C\u002Fspan>\u003C\u002Fp>\n     \u003C\u002Fsection>\n     \u003Csection>\n      \u003Csection>\n       \u003Csection>\u003C\u002Fsection>\n      \u003C\u002Fsection>\n      \u003Csection>\n       \u003Cp style=\"text-align:justify;margin: 0px 15px; padding: 0px; max-width: 100%; clear: both; min-height: 1em; color: inherit; letter-spacing: 1.5px; line-height: 2em; box-sizing: border-box !important; overflow-wrap: break-word !important;\">\u003Cspan style=\"margin: 0px; padding: 0px; max-width: 100%; font-size: 16px; box-sizing: border-box !important; overflow-wrap: break-word !important; font-family: "Helvetica Neue", Helvetica, "Hiragino Sans GB", "Apple Color Emoji", "Emoji Symbols Font", "Segoe UI Symbol", Arial, sans-serif;\">我平常花钱大手大脚的 。工作两年多，不但没存住钱，还欠了很多外债。觉得不能再这么稀里糊涂的过下去了。就开始记账，想看看自己的钱都花到哪里去了。\u003C\u002Fspan>\u003C\u002Fp>\n      \u003C\u002Fsection>\n      \u003Csection>\n       \u003Csection>\u003C\u002Fsection>\n      \u003C\u002Fsection>\n     \u003C\u002Fsection>\n     \u003Csection>\u003C\u002Fsection>\n    \u003C\u002Fsection>\n   \u003C\u002Fsection>\n   \u003Csection>\n    \u003Cp style=\"margin: 0px 0px 0px 1em; padding: 0px; max-width: 100%; box-sizing: border-box; overflow-wrap: break-word !important; clear: both; min-height: 1em; color: inherit;\">\u003Cbr>\u003C\u002Fp>\n   \u003C\u002Fsection>\n   \u003Csection>\n    \u003Cp style=\"text-align:justify; margin: 0px 15px; padding: 0px; max-width: 100%; clear: both; min-height: 1em; letter-spacing: 1.5px; line-height: 2em; box-sizing: border-box !important; overflow-wrap: break-word !important;\">\u003Cspan style=\"margin: 0px; padding: 0px; max-width: 100%; color: rgb(255, 129, 36); font-size: 16px; box-sizing: border-box !important; overflow-wrap: break-word !important; font-family: "Helvetica Neue", Helvetica, "Hiragino Sans GB", "Apple Color Emoji", "Emoji Symbols Font", "Segoe UI Symbol", Arial, sans-serif;\">\u003Cstrong style=\"margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important;\">小晋\u003C\u002Fstrong>\u003C\u002Fspan>\u003C\u002Fp>\n   \u003C\u002Fsection>\n   \u003Csection>\n    \u003Csection>\n     \u003Csection>\u003C\u002Fsection>\n    \u003C\u002Fsection>\n    \u003Cp style=\"text-align:justify;margin: 15px; padding: 0px; max-width: 100%; clear: both; min-height: 1em; color: rgb(62, 62, 62); font-size: 14px; text-indent: 0em; letter-spacing: 1.5px; line-height: 2em; box-sizing: border-box !important; overflow-wrap: break-word !important;\">\u003Cspan style=\"margin: 0px; padding: 0px; max-width: 100%; font-size: 16px; box-sizing: border-box !important; overflow-wrap: break-word !important; font-family: "Helvetica Neue", Helvetica, "Hiragino Sans GB", "Apple Color Emoji", "Emoji Symbols Font", "Segoe UI Symbol", Arial, sans-serif;\">记账对我影响很大:\u003C\u002Fspan>\u003C\u002Fp>\n    \u003Cp style=\"text-align:justify;margin: 0px 15px; padding: 0px; max-width: 100%; clear: both; min-height: 1em; text-indent: 0em; letter-spacing: 1.5px; line-height: 2em; box-sizing: border-box !important; overflow-wrap: break-word !important;\">\u003Cspan style=\"margin: 0px; padding: 0px; max-width: 100%; text-indent: 2em; line-height: 2em; font-size: 16px; box-sizing: border-box !important; overflow-wrap: break-word !important; font-family: "Helvetica Neue", Helvetica, "Hiragino Sans GB", "Apple Color Emoji", "Emoji Symbols Font", "Segoe UI Symbol", Arial, sans-serif;\">比如说，记账之前我看到喜欢的衣服就忍不住买下来，但常常一年都穿不上几次，而且时间一长就没之前那么喜欢了，最后不得不扔掉。\u003C\u002Fspan>\u003C\u002Fp>\n    \u003Cp style=\"margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; clear: both; min-height: 1em; text-indent: 0em;\">\u003Cbr>\u003C\u002Fp>\n    \u003Cp style=\"text-align:justify;margin: 0px 15px; padding: 0px; max-width: 100%; clear: both; min-height: 1em; text-indent: 0em; letter-spacing: 1.5px; line-height: 2em; box-sizing: border-box !important; overflow-wrap: break-word !important;\">\u003Cspan style=\"margin: 0px; padding: 0px; max-width: 100%; font-size: 16px; box-sizing: border-box !important; overflow-wrap: break-word !important; font-family: "Helvetica Neue", Helvetica, "Hiragino Sans GB", "Apple Color Emoji", "Emoji Symbols Font", "Segoe UI Symbol", Arial, sans-serif;\">\u003Cspan style=\"margin: 0px; padding: 0px; max-width: 100%; text-indent: 2em; line-height: 2em; font-size: 16px; font-family: "Helvetica Neue", Helvetica, "Hiragino Sans GB", "Apple Color Emoji", "Emoji Symbols Font", "Segoe UI Symbol", Arial, sans-serif;\">但记账之后，每次买东西我都会不自觉的多等一等\u003C\u002Fspan>\u003Cspan style=\"margin: 0px; padding: 0px; max-width: 100%; line-height: 2em; text-indent: 2em; font-size: 16px; font-family: "Helvetica Neue", Helvetica, "Hiragino Sans GB", "Apple Color Emoji", "Emoji Symbols Font", "Segoe UI Symbol", Arial, sans-serif;\">，想想我是不是真的需要。这样我就不会因为一时冲动去买一大堆用不上的东西，慢慢也就养成了记账的习惯。\u003C\u002Fspan>\u003C\u002Fspan>\u003C\u002Fp>\n   \u003C\u002Fsection>\n   \u003Cp style=\"margin: 0pt 15px; font-size: 11pt; color: #494949; line-height: 1.5em; letter-spacing: 1.5px;\">\u003Cbr>\u003C\u002Fp>\n   \u003Csection>\n    \u003Cp style=\"text-align:justify; margin: 0px 15px; padding: 0px; max-width: 100%; clear: both; min-height: 1em; letter-spacing: 1.5px; line-height: 2em; box-sizing: border-box !important; overflow-wrap: break-word !important;\">\u003Cspan style=\"margin: 0px; padding: 0px; max-width: 100%; color: rgb(255, 129, 36); font-size: 16px; box-sizing: border-box !important; overflow-wrap: break-word !important; font-family: "Helvetica Neue", Helvetica, "Hiragino Sans GB", "Apple Color Emoji", "Emoji Symbols Font", "Segoe UI Symbol", Arial, sans-serif;\">\u003Cstrong style=\"margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important;\">豆豆\u003C\u002Fstrong>\u003C\u002Fspan>\u003C\u002Fp>\n   \u003C\u002Fsection>\n   \u003Csection>\n    \u003Csection>\n     \u003Csection>\u003C\u002Fsection>\n    \u003C\u002Fsection>\n    \u003Csection>\n     \u003Cp style=\"text-align:justify;margin: 0px 15px; padding: 0px; max-width: 100%; clear: both; min-height: 1em; text-indent: 0em; letter-spacing: 1.5px; line-height: 2em; box-sizing: border-box !important; overflow-wrap: break-word !important;\">\u003Cspan style=\"margin: 0px; padding: 0px; max-width: 100%; font-size: 16px; box-sizing: border-box !important; overflow-wrap: break-word !important; font-family: "Helvetica Neue", Helvetica, "Hiragino Sans GB", "Apple Color Emoji", "Emoji Symbols Font", "Segoe UI Symbol", Arial, sans-serif;\">其实我没想过要坚持，对我来说记账算是种乐趣吧。\u003C\u002Fspan>\u003C\u002Fp>\n     \u003Cp style=\"margin: 0px 15px; padding: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; clear: both; min-height: 1em; text-indent: 0em; line-height: 1.5em; letter-spacing: 1.5px;\">\u003Cbr>\u003C\u002Fp>\n     \u003Cp style=\"text-align:justify;margin: 0px 15px; padding: 0px; max-width: 100%; clear: both; min-height: 1em; text-indent: 0em; letter-spacing: 1.5px; line-height: 2em; box-sizing: border-box !important; overflow-wrap: break-word !important;\">\u003Cspan style=\"margin: 0px; padding: 0px; max-width: 100%; font-size: 16px; box-sizing: border-box !important; overflow-wrap: break-word !important; font-family: "Helvetica Neue", Helvetica, "Hiragino Sans GB", "Apple Color Emoji", "Emoji Symbols Font", "Segoe UI Symbol", Arial, sans-serif;\">就像给自己的\u003Cstrong style=\"margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important;\">消费写本传记\u003C\u002Fstrong>，没事的时候还能翻出来看看自己这些年的变化，对比一下自己过去和现在的样子，很有意思。\u003C\u002Fspan>\u003C\u002Fp>\n    \u003C\u002Fsection>\n   \u003C\u002Fsection>\n   \u003Cp style=\"margin: 0pt 15px; font-size: 11pt; color: #494949; line-height: 1.5em; letter-spacing: 1.5px;\">\u003Cbr>\u003C\u002Fp>\n   \u003Cp style=\"margin: 0pt 15px; font-size: 11pt; color: #494949; line-height: 1.5em; letter-spacing: 1.5px;\">\u003Cbr>\u003C\u002Fp>\n   \u003Cp style=\"text-align:justify; margin: 0pt 15px; font-size: 11pt; color: rgb(73, 73, 73); letter-spacing: 1.5px; line-height: 2em;\">\u003Cspan style=\"font-size: 16px; font-family: "Helvetica Neue", Helvetica, "Hiragino Sans GB", "Apple Color Emoji", "Emoji Symbols Font", "Segoe UI Symbol", Arial, sans-serif;\">今天我想和你分享一个坚持记账1000+天小伙伴的故事。\u003C\u002Fspan>\u003C\u002Fp>\n   \u003Cp style=\"text-align:justify; margin: 0pt 15px; font-size: 11pt; color: #494949; line-height: 1.5em; letter-spacing: 1.5px;\">\u003Cbr>\u003C\u002Fp>\n   \u003Cp style=\"text-align:justify; margin: 0pt 15px; font-size: 11pt; color: rgb(73, 73, 73); letter-spacing: 1.5px; line-height: 2em;\">\u003Cspan style=\"font-size: 16px; font-family: "Helvetica Neue", Helvetica, "Hiragino Sans GB", "Apple Color Emoji", "Emoji Symbols Font", "Segoe UI Symbol", Arial, sans-serif;\">以下是他的故事：\u003C\u002Fspan>\u003C\u002Fp>\n   \u003Cp style=\"text-align:justify; margin: 0pt 15px; font-size: 11pt; color: rgb(73, 73, 73); letter-spacing: 1.5px; line-height: 2em;\">\u003Cbr>\u003C\u002Fp>\n   \u003Cp style=\"text-align:justify; margin: 0pt 15px; font-size: 11pt; color: rgb(73, 73, 73); letter-spacing: 1.5px; line-height: 2em;\">\u003Cspan style=\"caret-color: red; font-size: 16px; font-family: "Helvetica Neue", Helvetica, "Hiragino Sans GB", "Apple Color Emoji", "Emoji Symbols Font", "Segoe UI Symbol", Arial, sans-serif;\">2016年年初，我在家过了个“胡吃海喝”年，十天时间花了2000块，这让我意识到一个严重的问题，我“花钱没有节制”，更严重的问题是，我“不知道自己把钱花在哪儿”，想改都不知道怎么改。\u003C\u002Fspan>\u003C\u002Fp>\n   \u003Csection>\n    \u003Csection>\n     \u003Cp style=\"text-align:justify; line-height: 2em;\">\u003Cbr>\u003C\u002Fp>\n    \u003C\u002Fsection>\n   \u003C\u002Fsection>\n   \u003Cp style=\"text-align:justify;margin: 0pt 15px; font-size: 11pt; color: rgb(73, 73, 73); letter-spacing: 1.5px; line-height: 2em;\">\u003Cspan style=\"font-size: 16px; font-family: "Helvetica Neue", Helvetica, "Hiragino Sans GB", "Apple Color Emoji", "Emoji Symbols Font", "Segoe UI Symbol", Arial, sans-serif;\">于是我决定记账。\u003C\u002Fspan>\u003C\u002Fp>\n   \u003Cp style=\"text-align:justify; margin: 0px 15px; padding: 0px; max-width: 100%; clear: both; min-height: 1em; color: rgb(51, 51, 51); font-size: 17px; line-height: 1.5em; letter-spacing: 1.5px; box-sizing: border-box !important; overflow-wrap: break-word !important; font-family: -apple-system-font, BlinkMacSystemFont, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Source Han Sans CN UI", "Source Han Sans CN", Arial, sans-serif;\">\u003Cbr>\u003C\u002Fp>\n   \u003Cp style=\"text-align:justify; margin: 0px 15px; padding: 0px; max-width: 100%; clear: both; min-height: 1em; color: rgb(51, 51, 51); font-size: 17px; letter-spacing: 1.5px; line-height: 2em; box-sizing: border-box !important; overflow-wrap: break-word !important; font-family: -apple-system-font, BlinkMacSystemFont, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Source Han Sans CN UI", "Source Han Sans CN", Arial, sans-serif;\">\u003Cspan style=\"margin: 0px; padding: 0px; max-width: 100%; letter-spacing: 0.544px; background-color: rgb(255, 255, 255); font-size: 16px; box-sizing: border-box !important; overflow-wrap: break-word !important; font-family: "Helvetica Neue", Helvetica, "Hiragino Sans GB", "Apple Color Emoji", "Emoji Symbols Font", "Segoe UI Symbol", Arial, sans-serif;\">\u003Cimg class=\"\" src=\"https:\u002F\u002Fimage.jane7.com\u002F7dd0b62b-e5f2-4c8a-a04c-23a5b0a73a7c.jpg\">\u003C\u002Fspan>\u003C\u002Fp>\n   \u003Cp style=\"text-align:justify; margin: 0px 15px; padding: 0px; max-width: 100%; clear: both; min-height: 1em; color: rgb(51, 51, 51); font-size: 17px; letter-spacing: 1.5px; line-height: 2em; box-sizing: border-box !important; overflow-wrap: break-word !important; font-family: -apple-system-font, BlinkMacSystemFont, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Source Han Sans CN UI", "Source Han Sans CN", Arial, sans-serif;\">\u003Cspan style=\"margin: 0px; padding: 0px; max-width: 100%; font-size: 16px; box-sizing: border-box !important; overflow-wrap: break-word !important; font-family: "Helvetica Neue", Helvetica, "Hiragino Sans GB", "Apple Color Emoji", "Emoji Symbols Font", "Segoe UI Symbol", Arial, sans-serif;\">\u003Cstrong style=\"margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important;\">\u003Cspan style=\"margin: 0px; padding: 0px; max-width: 100%; letter-spacing: 0.544px; background-color: rgb(255, 255, 255); font-size: 16px; box-sizing: border-box !important; overflow-wrap: break-word !important; font-family: "Helvetica Neue", Helvetica, "Hiragino Sans GB", "Apple Color Emoji", "Emoji Symbols Font", "Segoe UI Symbol", Arial, sans-serif;\">记账第0-300天\u003C\u002Fspan>\u003C\u002Fstrong>\u003C\u002Fspan>\u003C\u002Fp>\n   \u003Cp style=\"text-align:justify; margin: 0px 15px; padding: 0px; max-width: 100%; clear: both; min-height: 1em; color: rgb(51, 51, 51); font-size: 17px; letter-spacing: 1.5px; line-height: 2em; box-sizing: border-box !important; overflow-wrap: break-word !important; font-family: -apple-system-font, BlinkMacSystemFont, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Source Han Sans CN UI", "Source Han Sans CN", Arial, sans-serif;\">\u003Cspan style=\"font-size: 16px; font-family: "Helvetica Neue", Helvetica, "Hiragino Sans GB", "Apple Color Emoji", "Emoji Symbols Font", "Segoe UI Symbol", Arial, sans-serif;\">\u003Cstrong style=\"margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important;\">\u003Cspan style=\"margin: 0px; padding: 0px; max-width: 100%; letter-spacing: 0.544px; background-color: rgb(255, 255, 255); font-size: 16px; box-sizing: border-box !important; overflow-wrap: break-word !important; font-family: "Helvetica Neue", Helvetica, "Hiragino Sans GB", "Apple Color Emoji", "Emoji Symbols Font", "Segoe UI Symbol", Arial, sans-serif;\">确定消费从属关系，定义消费项\u003C\u002Fspan>\u003C\u002Fstrong>\u003C\u002Fspan>\u003C\u002Fp>\n   \u003Cp style=\"margin: 0pt 15px; font-size: 11pt; color: #494949; line-height: 1.5em; letter-spacing: 1.5px;\">\u003Cbr>\u003C\u002Fp>\n   \u003Cp style=\"text-align:justify;margin: 0pt 15px; font-size: 11pt; color: rgb(73, 73, 73); letter-spacing: 1.5px; line-height: 2em;\">\u003Cspan style=\"font-size: 16px; font-family: "Helvetica Neue", Helvetica, "Hiragino Sans GB", "Apple Color Emoji", "Emoji Symbols Font", "Segoe UI Symbol", Arial, sans-serif;\">最开始用记账软件记账的时候，每天记录的消费从属关系不明确，只知道我在什么上面花了钱，而不知道花的钱来自我衣食住行的哪方面，我找不到重点。\u003C\u002Fspan>\u003C\u002Fp>\n   \u003Cp style=\"text-align:justify;margin: 0pt 15px; font-size: 11pt; color: rgb(73, 73, 73); letter-spacing: 1.5px; line-height: 2em;\">\u003Cspan style=\"font-size: 16px; font-family: "Helvetica Neue", Helvetica, "Hiragino Sans GB", "Apple Color Emoji", "Emoji Symbols Font", "Segoe UI Symbol", Arial, sans-serif;\">         \u003Cimg src=\"https:\u002F\u002Fimage.jane7.com\u002F3b2ae723-a5c5-457a-b62d-2596e61faaf1.jpg\" width=\"749\" height=\"auto\">      \u003C\u002Fspan>\u003C\u002Fp>\n   \u003Cp style=\"text-align:justify;margin: 0pt 15px; font-size: 11pt; color: rgb(73, 73, 73); letter-spacing: 1.5px; line-height: 2em;\">\u003Cspan style=\"font-size: 16px; font-family: "Helvetica Neue", Helvetica, "Hiragino Sans GB", "Apple Color Emoji", "Emoji Symbols Font", "Segoe UI Symbol", Arial, sans-serif;\">于是，我导出了我刚开始记账时的数据，可以看到我当时把所有饮食消费都归类为“正餐”，但实际是上午是早餐，中午是中饭，在“饮食”这个一级类分类下应该还有很多二级分类，想到了这一层，我做了3件事：\u003C\u002Fspan>\u003C\u002Fp>\n   \u003Cp style=\"margin: 0pt 15px; font-size: 11pt; color: #494949; line-height: 1.5em; letter-spacing: 1.5px;\">\u003Cbr>\u003C\u002Fp>\n   \u003Cp style=\"text-align:justify;margin: 0pt 15px; font-size: 11pt; color: rgb(73, 73, 73); letter-spacing: 1.5px; line-height: 2em;\">\u003Cspan style=\"font-size: 16px; font-family: "Helvetica Neue", Helvetica, "Hiragino Sans GB", "Apple Color Emoji", "Emoji Symbols Font", "Segoe UI Symbol", Arial, sans-serif;\">1.罗列出我所有可能产生的消费项目\u003C\u002Fspan>\u003C\u002Fp>\n   \u003Cp style=\"margin: 0pt 15px; font-size: 11pt; color: #494949; line-height: 1.5em; letter-spacing: 1.5px;\">\u003Cbr>\u003C\u002Fp>\n   \u003Cp style=\"text-align:justify;margin: 0pt 15px; font-size: 11pt; color: rgb(73, 73, 73); letter-spacing: 1.5px; line-height: 2em;\">\u003Cspan style=\"font-size: 16px; font-family: "Helvetica Neue", Helvetica, "Hiragino Sans GB", "Apple Color Emoji", "Emoji Symbols Font", "Segoe UI Symbol", Arial, sans-serif;\">2.把所有消费项分为“购物”，“餐饮”，“交通”，“娱乐”，“居家”，“人情”，“其他”，7大项，26子项\u003C\u002Fspan>\u003C\u002Fp>\n   \u003Cp style=\"margin: 0pt 15px; font-size: 11pt; color: #494949; line-height: 1.5em; letter-spacing: 1.5px;\">\u003Cbr>\u003C\u002Fp>\n   \u003Cp style=\"text-align:justify;margin: 0pt 15px; font-size: 11pt; color: rgb(73, 73, 73); letter-spacing: 1.5px; line-height: 2em;\">\u003Cspan style=\"font-size: 16px; font-family: "Helvetica Neue", Helvetica, "Hiragino Sans GB", "Apple Color Emoji", "Emoji Symbols Font", "Segoe UI Symbol", Arial, sans-serif;\">3.定义每个子项可能包含的消费场景，备忘\u003C\u002Fspan>\u003C\u002Fp>\n   \u003Cp style=\"margin: 0pt 15px; font-size: 11pt; color: #494949; line-height: 1.5em; letter-spacing: 1.5px;\">\u003Cbr>\u003C\u002Fp>\n   \u003Cp style=\"text-align:justify;margin: 0pt 15px; font-size: 11pt; color: rgb(73, 73, 73); letter-spacing: 1.5px; line-height: 2em;\">\u003Cspan style=\"font-size: 16px; font-family: "Helvetica Neue", Helvetica, "Hiragino Sans GB", "Apple Color Emoji", "Emoji Symbols Font", "Segoe UI Symbol", Arial, sans-serif;\">明确定义消费类目后，每当遇到新的消费，我都会在消费场景中增加明细，减少分类出错的情况。如果出现暂时不知道分类在哪儿时，我会先放在“其他”子项里，每季度复盘一次，视消费频率决定是否有必要添加单独子项。\u003C\u002Fspan>\u003C\u002Fp>\n   \u003Cp style=\"margin: 0pt 15px; font-size: 11pt; color: #494949; line-height: 1.5em; letter-spacing: 1.5px;\">\u003Cbr>\u003C\u002Fp>\n   \u003Cp style=\"margin: 0pt 15px; font-size: 11pt; color: #494949; line-height: 1.5em; letter-spacing: 1.5px;\">\u003Cbr>\u003C\u002Fp>\n   \u003Cp style=\"text-align:justify; margin: 0px 16px; padding: 0px; max-width: 100%; clear: both; min-height: 1em; color: rgb(51, 51, 51); font-size: 17px; letter-spacing: 0.544px; line-height: 2em; box-sizing: border-box !important; overflow-wrap: break-word !important; font-family: -apple-system-font, BlinkMacSystemFont, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Source Han Sans CN UI", "Source Han Sans CN", Arial, sans-serif;\">\u003Cspan style=\"margin: 0px; padding: 0px; max-width: 100%; letter-spacing: 0.544px; background-color: rgb(255, 255, 255); font-size: 16px; box-sizing: border-box !important; overflow-wrap: break-word !important; font-family: "Helvetica Neue", Helvetica, "Hiragino Sans GB", "Apple Color Emoji", "Emoji Symbols Font", "Segoe UI Symbol", Arial, sans-serif;\">\u003Cimg class=\"\" src=\"https:\u002F\u002Fimage.jane7.com\u002F240b4c8e-ce08-482b-baf5-a140198cb27c.jpg\">\u003C\u002Fspan>\u003Cspan style=\"margin: 0px; padding: 0px; max-width: 100%; letter-spacing: 0.544px; font-size: 16px; box-sizing: border-box !important; overflow-wrap: break-word !important; font-family: "Helvetica Neue", Helvetica, "Hiragino Sans GB", "Apple Color Emoji", "Emoji Symbols Font", "Segoe UI Symbol", Arial, sans-serif;\">\u003Cstrong style=\"margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important;\">记账第301-800天\u003C\u002Fstrong>\u003C\u002Fspan>\u003C\u002Fp>\n   \u003Cp style=\"text-align:justify; margin: 0px 16px; padding: 0px; max-width: 100%; clear: both; min-height: 1em; color: rgb(51, 51, 51); font-size: 17px; letter-spacing: 0.544px; line-height: 2em; box-sizing: border-box !important; overflow-wrap: break-word !important; font-family: -apple-system-font, BlinkMacSystemFont, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Source Han Sans CN UI", "Source Han Sans CN", Arial, sans-serif;\">\u003Cspan style=\"font-size: 16px; font-family: "Helvetica Neue", Helvetica, "Hiragino Sans GB", "Apple Color Emoji", "Emoji Symbols Font", "Segoe UI Symbol", Arial, sans-serif;\">\u003Cstrong style=\"margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important;\">\u003Cspan style=\"margin: 0px; padding: 0px; max-width: 100%; background-color: rgb(255, 255, 255); letter-spacing: 0.544px; font-size: 16px; box-sizing: border-box !important; overflow-wrap: break-word !important; font-family: "Helvetica Neue", Helvetica, "Hiragino Sans GB", "Apple Color Emoji", "Emoji Symbols Font", "Segoe UI Symbol", Arial, sans-serif;\">设置合理的“消费警戒线”\u003C\u002Fspan>\u003C\u002Fstrong>\u003C\u002Fspan>\u003C\u002Fp>\n   \u003Cp style=\"margin: 0pt 15px; font-size: 11pt; color: #494949; line-height: 1.5em; letter-spacing: 1.5px;\">\u003Cbr>\u003C\u002Fp>\n   \u003Cp style=\"text-align:justify;margin: 0pt 15px; font-size: 11pt; color: rgb(73, 73, 73); letter-spacing: 1.5px; line-height: 2em;\">\u003Cspan style=\"font-size: 16px; font-family: "Helvetica Neue", Helvetica, "Hiragino Sans GB", "Apple Color Emoji", "Emoji Symbols Font", "Segoe UI Symbol", Arial, sans-serif;\">没想到经过这一阶段后，我依然是爱花就花，我开始意识到“单纯的记录并不能改善消费意识”，我必须设立预算，明确我每天\u002F周的消费限额，让脑子里有根弦紧绷着，在我大手大脚花钱时提醒我“喂，你没预算了！”\u003C\u002Fspan>\u003C\u002Fp>\n   \u003Cp style=\"text-align:justify;margin: 0pt 15px; font-size: 11pt; color: rgb(73, 73, 73); letter-spacing: 1.5px; line-height: 2em;\">\u003Cspan style=\"font-size: 16px; font-family: "Helvetica Neue", Helvetica, "Hiragino Sans GB", "Apple Color Emoji", "Emoji Symbols Font", "Segoe UI Symbol", Arial, sans-serif;\">但当我开始着手设置预算时，遇到了三个问题：\u003C\u002Fspan>\u003C\u002Fp>\n   \u003Cp style=\"text-align:justify;margin: 0pt 15px; font-size: 11pt; color: rgb(73, 73, 73); letter-spacing: 1.5px; line-height: 2em;\">\u003Cbr>\u003C\u002Fp>\n   \u003Cp style=\"text-align:justify;margin: 0pt 15px; font-size: 11pt; color: rgb(73, 73, 73); letter-spacing: 1.5px; line-height: 2em;\">\u003Cspan style=\"font-size: 16px; font-family: "Helvetica Neue", Helvetica, "Hiragino Sans GB", "Apple Color Emoji", "Emoji Symbols Font", "Segoe UI Symbol", Arial, sans-serif;\">\u003Cstrong>1.怎样的预算才叫合理？\u003C\u002Fstrong>\u003C\u002Fspan>\u003C\u002Fp>\n   \u003Cp style=\"margin: 0pt 15px; font-size: 11pt; color: #494949; line-height: 1.5em; letter-spacing: 1.5px;\">\u003Cbr>\u003C\u002Fp>\n   \u003Cp style=\"text-align:justify;margin: 0pt 15px; font-size: 11pt; color: rgb(73, 73, 73); letter-spacing: 1.5px; line-height: 2em;\">\u003Cspan style=\"font-size: 16px; font-family: "Helvetica Neue", Helvetica, "Hiragino Sans GB", "Apple Color Emoji", "Emoji Symbols Font", "Segoe UI Symbol", Arial, sans-serif;\">最开始主要靠拍脑袋，很不准。积累了消费数据后，我开始依据“典型的一天”和历史数据来设置预算。“典型的一天”类似工作日早餐*4，中饭*18，晚饭*12，零食*5，周末电影*35，饮料*5，聚餐*150，设置好预算后用历史数据验证合理性（比目标多还是少），举例，如果过去一年我在“零食”上平均每月消费200元，那我设置50元\u002F月，就不合理。\u003C\u002Fspan>\u003C\u002Fp>\n   \u003Cp style=\"margin: 0pt 15px; font-size: 11pt; color: #494949; line-height: 1.5em; letter-spacing: 1.5px;\">\u003Cbr>\u003C\u002Fp>\n   \u003Cp style=\"text-align:justify;margin: 0pt 15px; font-size: 11pt; color: rgb(73, 73, 73); letter-spacing: 1.5px; line-height: 2em;\">\u003Cspan style=\"font-size: 16px; font-family: "Helvetica Neue", Helvetica, "Hiragino Sans GB", "Apple Color Emoji", "Emoji Symbols Font", "Segoe UI Symbol", Arial, sans-serif;\">除非你有超强的信心能做到，否则我认为\u003Cstrong>初期在历史数据的基础上最多降低30%，是比较合理的目标。\u003C\u002Fstrong>\u003C\u002Fspan>\u003C\u002Fp>\n   \u003Cp style=\"margin: 0pt 15px; font-size: 11pt; color: #494949; line-height: 1.5em; letter-spacing: 1.5px;\">\u003Cbr>\u003C\u002Fp>\n   \u003Cp style=\"text-align:justify;margin: 0pt 15px; font-size: 11pt; color: rgb(73, 73, 73); letter-spacing: 1.5px; line-height: 2em;\">\u003Cspan style=\"font-size: 16px; font-family: "Helvetica Neue", Helvetica, "Hiragino Sans GB", "Apple Color Emoji", "Emoji Symbols Font", "Segoe UI Symbol", Arial, sans-serif;\">\u003Cstrong>2.怎样追踪预算？\u003C\u002Fstrong>\u003C\u002Fspan>\u003C\u002Fp>\n   \u003Cp style=\"margin: 0pt 15px; font-size: 11pt; color: #494949; line-height: 1.5em; letter-spacing: 1.5px;\">\u003Cbr>\u003C\u002Fp>\n   \u003Cp style=\"text-align:justify;margin: 0pt 15px; font-size: 11pt; color: rgb(73, 73, 73); letter-spacing: 1.5px; line-height: 2em;\">\u003Cspan style=\"font-size: 16px; font-family: "Helvetica Neue", Helvetica, "Hiragino Sans GB", "Apple Color Emoji", "Emoji Symbols Font", "Segoe UI Symbol", Arial, sans-serif;\">每天的即时预算，直接在记账APP查看。\u003C\u002Fspan>\u003C\u002Fp>\n   \u003Cp style=\"text-align:justify;margin: 0pt 15px; font-size: 11pt; color: rgb(73, 73, 73); letter-spacing: 1.5px; line-height: 2em;\">\u003Cspan style=\"font-size: 16px; font-family: "Helvetica Neue", Helvetica, "Hiragino Sans GB", "Apple Color Emoji", "Emoji Symbols Font", "Segoe UI Symbol", Arial, sans-serif;\">但按月\u002F季度还用软件对比，不一定够直观，所以我设置好各项目预算后，建立了一张Excel表，并增加了条件格式。\u003C\u002Fspan>\u003C\u002Fp>\n   \u003Cp style=\"margin: 0pt 15px; font-size: 11pt; color: #494949; line-height: 1.5em; letter-spacing: 1.5px;\">\u003Cbr>\u003C\u002Fp>\n   \u003Cp style=\"text-align:justify;margin: 0pt 15px; font-size: 11pt; color: rgb(73, 73, 73); letter-spacing: 1.5px; line-height: 2em;\">\u003Cspan style=\"font-size: 16px; font-family: "Helvetica Neue", Helvetica, "Hiragino Sans GB", "Apple Color Emoji", "Emoji Symbols Font", "Segoe UI Symbol", Arial, sans-serif;\">超过月限额则显示“粉红底色”，一眼看出当月哪个消费项超支，有没有项目长期超支。\u003C\u002Fspan>\u003C\u002Fp>\n   \u003Cp style=\"text-align:justify;margin: 0pt 15px; font-size: 11pt; color: rgb(73, 73, 73); letter-spacing: 1.5px; line-height: 2em;\">\u003Cspan style=\"font-size: 16px; font-family: "Helvetica Neue", Helvetica, "Hiragino Sans GB", "Apple Color Emoji", "Emoji Symbols Font", "Segoe UI Symbol", Arial, sans-serif;\">\u003Cbr>\u003C\u002Fspan>\u003C\u002Fp>\n   \u003Cp style=\"text-align:justify;margin: 0pt 15px; font-size: 11pt; color: rgb(73, 73, 73); letter-spacing: 1.5px; line-height: 2em;\">\u003Cspan style=\"font-size: 16px; font-family: "Helvetica Neue", Helvetica, "Hiragino Sans GB", "Apple Color Emoji", "Emoji Symbols Font", "Segoe UI Symbol", Arial, sans-serif;\">         \u003Cimg src=\"https:\u002F\u002Fimage.jane7.com\u002F2794b1cf-cc77-4625-b4e6-14e69d0115e9.jpg\" width=\"636\" height=\"auto\">      \u003C\u002Fspan>\u003C\u002Fp>\n   \u003Cp style=\"text-align:justify;margin: 0pt 15px; font-size: 11pt; color: rgb(73, 73, 73); letter-spacing: 1.5px; line-height: 2em;\">\u003Cspan style=\"font-size: 16px; font-family: "Helvetica Neue", Helvetica, "Hiragino Sans GB", "Apple Color Emoji", "Emoji Symbols Font", "Segoe UI Symbol", Arial, sans-serif;\">\u003Cstrong>3.怎样区分日常消费和大类消费？\u003C\u002Fstrong>\u003C\u002Fspan>\u003C\u002Fp>\n   \u003Cp style=\"margin: 0pt 15px; font-size: 11pt; color: #494949; line-height: 1.5em; letter-spacing: 1.5px;\">\u003Cbr>\u003C\u002Fp>\n   \u003Cp style=\"text-align:justify;margin: 0pt 15px; font-size: 11pt; color: rgb(73, 73, 73); letter-spacing: 1.5px; line-height: 2em;\">\u003Cspan style=\"font-size: 16px; font-family: "Helvetica Neue", Helvetica, "Hiragino Sans GB", "Apple Color Emoji", "Emoji Symbols Font", "Segoe UI Symbol", Arial, sans-serif;\">由系统平均后计算出的日消费并不是“真实的日消费”，因为它包含了诸如“房租”“房贷”之类的大额消费，会出现日消费限额150元，实际真实限额只有50元的情况。\u003C\u002Fspan>\u003C\u002Fp>\n   \u003Cp style=\"margin: 0pt 15px; font-size: 11pt; color: #494949; line-height: 1.5em; letter-spacing: 1.5px;\">\u003Cbr>\u003C\u002Fp>\n   \u003Cp style=\"text-align:justify;margin: 0pt 15px; font-size: 11pt; color: rgb(73, 73, 73); letter-spacing: 1.5px; line-height: 2em;\">\u003Cspan style=\"font-size: 16px; font-family: "Helvetica Neue", Helvetica, "Hiragino Sans GB", "Apple Color Emoji", "Emoji Symbols Font", "Segoe UI Symbol", Arial, sans-serif;\">所以我在Excel中分出日常消费项和大额消费项，在“细分”栏，绿底为日常，白底大额消费，在汇总处区分实际消费和日常消费，计算出出真实的日消费限额。\u003C\u002Fspan>\u003C\u002Fp>\n   \u003Cp style=\"text-align:justify;margin: 0pt 15px; font-size: 11pt; color: rgb(73, 73, 73); letter-spacing: 1.5px; line-height: 2em;\">\u003Cspan style=\"font-size: 16px; font-family: "Helvetica Neue", Helvetica, "Hiragino Sans GB", "Apple Color Emoji", "Emoji Symbols Font", "Segoe UI Symbol", Arial, sans-serif;\">         \u003Cimg src=\"https:\u002F\u002Fimage.jane7.com\u002Fad7822e1-97a6-42f2-8b9a-82beea5a240b.jpg\" width=\"636\" height=\"auto\">      \u003C\u002Fspan>\u003C\u002Fp>\n   \u003Cp style=\"text-align:justify;margin: 0pt 15px; font-size: 11pt; color: rgb(73, 73, 73); letter-spacing: 1.5px; line-height: 2em;\">\u003Cspan style=\"font-size: 16px; font-family: "Helvetica Neue", Helvetica, "Hiragino Sans GB", "Apple Color Emoji", "Emoji Symbols Font", "Segoe UI Symbol", Arial, sans-serif;\">可以看到，虽然“旅游”消费5000元明显超支，但不影响日常消费的统计，两项的差值大小表明了当月产生大额消费的金额是多少。\u003C\u002Fspan>\u003C\u002Fp>\n   \u003Cp style=\"margin: 0pt 15px; font-size: 11pt; color: #494949; line-height: 1.5em; letter-spacing: 1.5px;\">\u003Cbr>\u003C\u002Fp>\n   \u003Cp style=\"text-align:justify;margin: 0pt 15px; font-size: 11pt; color: rgb(73, 73, 73); letter-spacing: 1.5px; line-height: 2em;\">\u003Cspan style=\"font-size: 16px; font-family: "Helvetica Neue", Helvetica, "Hiragino Sans GB", "Apple Color Emoji", "Emoji Symbols Font", "Segoe UI Symbol", Arial, sans-serif;\">有了这些操作之后，我每天花钱时，我脑子里都有个日预算（日常版）50元的警戒线，一旦接近预算，我就知道该控制消费了。每月我还会统一更新一次各类消费金额到Excel，找出上个月的超支项，是日常还是大额，想我下个月能不能改进等等。\u003C\u002Fspan>\u003C\u002Fp>\n   \u003Cp style=\"text-align:center; margin: 0px 16px; padding: 0px; max-width: 100%; clear: both; min-height: 1em; color: rgb(51, 51, 51); font-size: 17px; letter-spacing: 0.544px; box-sizing: border-box !important; overflow-wrap: break-word !important; font-family: -apple-system-font, BlinkMacSystemFont, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Source Han Sans CN UI", "Source Han Sans CN", Arial, sans-serif;\">\u003Cbr>\u003C\u002Fp>\n   \u003Cp style=\"text-align:justify; margin: 0px 16px; padding: 0px; max-width: 100%; clear: both; min-height: 1em; color: rgb(51, 51, 51); font-size: 17px; letter-spacing: 0.544px; line-height: 2em; box-sizing: border-box !important; overflow-wrap: break-word !important; font-family: -apple-system-font, BlinkMacSystemFont, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Source Han Sans CN UI", "Source Han Sans CN", Arial, sans-serif;\">\u003Cimg class=\"\" src=\"https:\u002F\u002Fimage.jane7.com\u002Fe73cb0d7-b9eb-48b6-bfc3-b9da9bb69d4e.jpg\">\u003C\u002Fp>\n   \u003Cp style=\"text-align:justify; margin: 0px 16px; padding: 0px; max-width: 100%; clear: both; min-height: 1em; color: rgb(51, 51, 51); font-size: 17px; letter-spacing: 0.544px; line-height: 2em; box-sizing: border-box !important; overflow-wrap: break-word !important; font-family: -apple-system-font, BlinkMacSystemFont, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Source Han Sans CN UI", "Source Han Sans CN", Arial, sans-serif;\">\u003Cspan style=\"margin: 0px; padding: 0px; max-width: 100%; font-size: 16px; box-sizing: border-box !important; overflow-wrap: break-word !important; font-family: "Helvetica Neue", Helvetica, "Hiragino Sans GB", "Apple Color Emoji", "Emoji Symbols Font", "Segoe UI Symbol", Arial, sans-serif;\">\u003Cstrong style=\"margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important;\">\u003Cspan style=\"margin: 0px; padding: 0px; max-width: 100%; letter-spacing: 0.544px; font-size: 16px; box-sizing: border-box !important; overflow-wrap: break-word !important; font-family: "Helvetica Neue", Helvetica, "Hiragino Sans GB", "Apple Color Emoji", "Emoji Symbols Font", "Segoe UI Symbol", Arial, sans-serif;\">记账第801-1000天\u003C\u002Fspan>\u003C\u002Fstrong>\u003C\u002Fspan>\u003C\u002Fp>\n   \u003Cp style=\"text-align:justify; margin: 0px 16px; padding: 0px; max-width: 100%; clear: both; min-height: 1em; color: rgb(51, 51, 51); font-size: 17px; letter-spacing: 0.544px; line-height: 2em; box-sizing: border-box !important; overflow-wrap: break-word !important; font-family: -apple-system-font, BlinkMacSystemFont, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Source Han Sans CN UI", "Source Han Sans CN", Arial, sans-serif;\">\u003Cspan style=\"font-size: 16px; font-family: "Helvetica Neue", Helvetica, "Hiragino Sans GB", "Apple Color Emoji", "Emoji Symbols Font", "Segoe UI Symbol", Arial, sans-serif;\">\u003Cstrong style=\"margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important;\">\u003Cspan style=\"margin: 0px; padding: 0px; max-width: 100%; letter-spacing: 0.544px; background-color: rgb(255, 255, 255); font-size: 16px; box-sizing: border-box !important; overflow-wrap: break-word !important; font-family: "Helvetica Neue", Helvetica, "Hiragino Sans GB", "Apple Color Emoji", "Emoji Symbols Font", "Segoe UI Symbol", Arial, sans-serif;\">自律，从掌握现金流开始\u003C\u002Fspan>\u003C\u002Fstrong>\u003C\u002Fspan>\u003C\u002Fp>\n   \u003Cp style=\"line-height: 2em;\">\u003Cbr>\u003C\u002Fp>\n   \u003Cp style=\"text-align:justify;margin: 0pt 15px; font-size: 11pt; color: rgb(73, 73, 73); letter-spacing: 1.5px; line-height: 2em;\">\u003Cspan style=\"font-size: 16px; font-family: "Helvetica Neue", Helvetica, "Hiragino Sans GB", "Apple Color Emoji", "Emoji Symbols Font", "Segoe UI Symbol", Arial, sans-serif;\">是人总会出错，账目也是，时间越久，账面差异可能就越大，除了定期核对账目外，我开始学着简七《好好赚钱》一书里，简七提出的“资产说明书”概念，每月整理一次自己所有有钱的地方。\u003C\u002Fspan>\u003C\u002Fp>\n   \u003Cp style=\"margin: 0pt 15px; font-size: 11pt; color: #494949; line-height: 1.5em; letter-spacing: 1.5px;\">\u003Cbr>\u003C\u002Fp>\n   \u003Cp style=\"text-align:justify;margin: 0pt 15px; font-size: 11pt; color: rgb(73, 73, 73); letter-spacing: 1.5px; line-height: 2em;\">\u003Cspan style=\"font-size: 16px; font-family: "Helvetica Neue", Helvetica, "Hiragino Sans GB", "Apple Color Emoji", "Emoji Symbols Font", "Segoe UI Symbol", Arial, sans-serif;\">除此之外，我还在每个账户后面都备注了账号密码备忘，知道自己在哪些账户里有钱，哪些钱是不能动的，有多少现金流，同时记录所有投资账户的浮盈亏值。\u003C\u002Fspan>\u003C\u002Fp>\n   \u003Cp style=\"margin: 0pt 15px; font-size: 11pt; color: #494949; line-height: 1.5em; letter-spacing: 1.5px;\">\u003Cbr>\u003C\u002Fp>\n   \u003Cp style=\"text-align:justify;margin: 0pt 15px; font-size: 11pt; color: rgb(73, 73, 73); letter-spacing: 1.5px; line-height: 2em;\">\u003Cspan style=\"font-size: 16px; font-family: "Helvetica Neue", Helvetica, "Hiragino Sans GB", "Apple Color Emoji", "Emoji Symbols Font", "Segoe UI Symbol", Arial, sans-serif;\">这样一年下来我除了知道自己的消费账目，还能知道自己的投资收益。“越关注钱，越清楚钱的流向，越可能赚到钱”，我始终坚信这一点。\u003C\u002Fspan>\u003C\u002Fp>\n   \u003Cp style=\"margin: 0pt 15px; font-size: 11pt; color: #494949; line-height: 1.5em; letter-spacing: 1.5px;\">\u003Cbr>\u003C\u002Fp>\n   \u003Cp style=\"margin: 0pt 15px; font-size: 11pt; color: #494949; line-height: 1.5em; letter-spacing: 1.5px;\">\u003Cbr>\u003C\u002Fp>\n   \u003Cp style=\"text-align:justify;margin: 0pt 15px; font-size: 11pt; color: rgb(73, 73, 73); letter-spacing: 1.5px; line-height: 2em;\">\u003Cspan style=\"font-size: 16px; font-family: "Helvetica Neue", Helvetica, "Hiragino Sans GB", "Apple Color Emoji", "Emoji Symbols Font", "Segoe UI Symbol", Arial, sans-serif;\">总结来说，记账的步骤是：\u003C\u002Fspan>\u003C\u002Fp>\n   \u003Cp style=\"text-align:justify;margin: 0pt 15px; font-size: 11pt; color: rgb(73, 73, 73); letter-spacing: 1.5px; line-height: 2em;\">\u003Cspan style=\"font-size: 16px; font-family: "Helvetica Neue", Helvetica, "Hiragino Sans GB", "Apple Color Emoji", "Emoji Symbols Font", "Segoe UI Symbol", Arial, sans-serif;\">1）明确分类；\u003C\u002Fspan>\u003C\u002Fp>\n   \u003Cp style=\"text-align:justify;margin: 0pt 15px; font-size: 11pt; color: rgb(73, 73, 73); letter-spacing: 1.5px; line-height: 2em;\">\u003Cspan style=\"font-size: 16px; font-family: "Helvetica Neue", Helvetica, "Hiragino Sans GB", "Apple Color Emoji", "Emoji Symbols Font", "Segoe UI Symbol", Arial, sans-serif;\">2）定义消费项；\u003C\u002Fspan>\u003C\u002Fp>\n   \u003Cp style=\"text-align:justify;margin: 0pt 15px; font-size: 11pt; color: rgb(73, 73, 73); letter-spacing: 1.5px; line-height: 2em;\">\u003Cspan style=\"font-size: 16px; font-family: "Helvetica Neue", Helvetica, "Hiragino Sans GB", "Apple Color Emoji", "Emoji Symbols Font", "Segoe UI Symbol", Arial, sans-serif;\">3）设置预算；\u003C\u002Fspan>\u003C\u002Fp>\n   \u003Cp style=\"text-align:justify;margin: 0pt 15px; font-size: 11pt; color: rgb(73, 73, 73); letter-spacing: 1.5px; line-height: 2em;\">\u003Cspan style=\"font-size: 16px; font-family: "Helvetica Neue", Helvetica, "Hiragino Sans GB", "Apple Color Emoji", "Emoji Symbols Font", "Segoe UI Symbol", Arial, sans-serif;\">4）追踪\u002F复盘消费情况。\u003C\u002Fspan>\u003C\u002Fp>\n   \u003Cp style=\"margin: 0pt 15px; font-size: 11pt; color: #494949; line-height: 1.5em; letter-spacing: 1.5px;\">\u003Cbr>\u003C\u002Fp>\n   \u003Cp style=\"text-align:justify;margin: 0pt 15px; font-size: 11pt; color: rgb(73, 73, 73); letter-spacing: 1.5px; line-height: 2em;\">\u003Cspan style=\"font-size: 16px; font-family: "Helvetica Neue", Helvetica, "Hiragino Sans GB", "Apple Color Emoji", "Emoji Symbols Font", "Segoe UI Symbol", Arial, sans-serif;\">其他像“多成员共享账本”，“抵扣消费”，“折旧均摊”的细节问题，因为不频繁出现，我暂时不针对操作。\u003C\u002Fspan>\u003C\u002Fp>\n   \u003Cp style=\"margin: 0pt 15px; font-size: 11pt; color: #494949; line-height: 1.5em; letter-spacing: 1.5px;\">\u003Cbr>\u003C\u002Fp>\n   \u003Cp style=\"text-align:justify;margin: 0pt 15px; font-size: 11pt; color: rgb(73, 73, 73); letter-spacing: 1.5px; line-height: 2em;\">\u003Cspan style=\"font-size: 16px; font-family: "Helvetica Neue", Helvetica, "Hiragino Sans GB", "Apple Color Emoji", "Emoji Symbols Font", "Segoe UI Symbol", Arial, sans-serif;\">以上即为我记账三年多来的重要思考，希望对你有所帮助。\u003C\u002Fspan>\u003C\u002Fp>\n  \u003C\u002Fsection>\n \u003C\u002Fsection>\n\u003C\u002Fsection>","2020-05-12 15:37:44",100,0,"zhanglizi@jane7.com","2020-05-12 15:37:45",84,false,6706,5,"1038002","省钱,存钱,记账,理财规划",[],[],[],[],[33,45,56,64],{"pageSize":4,"articleWikiId":34,"wikiName":35,"articleCode":36,"locationType":37,"sortNumber":38,"articleTitle":39,"introduction":40,"coverImage":41,"likeCount":42,"realSearch":23,"createTime":43,"seoUrl":44,"seoKeywords":11},93,"基金定投","JP2021102218421106212",2,20211027,"每月定投1000元，坚持30年会怎样？","每月定投1000元，定投30年，会不会变成百万富翁？","https:\u002F\u002Fimage.jane7.com\u002F627d9537-33b6-4b3d-9d80-75373d5b3958.png",36,"2021-10-22 18:42:11","https:\u002F\u002Fwww.jane7.com\u002Farticle-financing-JP2021102218421106212-93.html",{"pageSize":4,"articleWikiId":46,"wikiName":47,"articleCode":48,"locationType":37,"sortNumber":49,"articleTitle":50,"introduction":51,"coverImage":52,"likeCount":19,"realSearch":23,"createTime":53,"seoUrl":54,"seoKeywords":55},94,"财商入门","JP2020060320292149536",20200603,"85后全职宝妈，如何一年存下18万？","一起来看看，她的家庭理财三部曲吧~","https:\u002F\u002Fimage.jane7.com\u002F0cb9c6fd-f163-4dfe-81e7-281b326942ba.png","2020-06-03 20:29:21","https:\u002F\u002Fwww.jane7.com\u002Farticle-financing-JP2020060320292149536-94.html","财商,存钱",{"pageSize":4,"articleWikiId":46,"wikiName":47,"articleCode":57,"locationType":37,"sortNumber":58,"articleTitle":59,"introduction":59,"coverImage":60,"likeCount":10,"realSearch":23,"createTime":61,"seoUrl":62,"seoKeywords":63},"JP2020071617274930434",20200716,"3个方法，免费读到电子书","https:\u002F\u002Fimage.jane7.com\u002F2b9e90eb-58e0-47ed-a2aa-46e5d62a5358.png","2020-07-16 17:27:49","https:\u002F\u002Fwww.jane7.com\u002Farticle-financing-JP2020071617274930434-94.html","读书,免费",{"pageSize":4,"articleWikiId":46,"wikiName":47,"articleCode":65,"locationType":37,"sortNumber":66,"articleTitle":67,"introduction":68,"coverImage":69,"likeCount":70,"realSearch":23,"createTime":71,"seoUrl":72,"seoKeywords":73},"JP2020052121001181241",20200521,"30岁前，如何实现人生第一个100万？","人生真正的财富，是拥有驾驭财富的能力","https:\u002F\u002Fimage.jane7.com\u002F84372966-8066-4584-a026-69bd418f76e0.png",23,"2020-05-21 21:00:11","https:\u002F\u002Fwww.jane7.com\u002Farticle-financing-JP2020052121001181241-94.html","财商,存钱,财务自由"]