Pixiu记账

Pixiu is for those who identify with long-termism. The underlying logic of Pixiu is that of financial accounting. In finance, there are two main threads: revenue and expenditure, assets and liabilities, and "cash flow" that connects the two.
Most people will go through three stages of bookkeeping: revenue and expenditure bookkeeping, assets and liabilities bookkeeping, and lifestyle.
At the beginning, when studying at school, studying abroad, or just entering society, there are not many assets and liabilities at this stage, and more attention needs to be paid to revenue and expenditure. This stage is also the best opportunity for us to develop good consumption habits. At this time, we can use the detailed revenue and expenditure items and budgets in Pixiu to sort out and control our consumption.
After working for some time, as our income increases and we have developed good consumption habits in the first stage, we start to accumulate more assets. At the same time, we may start to buy a house or a car and need to record and manage related debts and credits. Then, at this time, we can use the more abundant account types and transactions in Pixiu for management.
As Pixiu is used for a longer time, various investments, insurances, etc. will also occur as we move forward in life, and then the full picture of Pixiu will start to emerge.

【How to Start Using Pixiu】
1. Create a ledger. Since the data between ledgers is completely independent and has no relationship. In Pixiu, unless it is a company account and a personal account, there is generally no separation of ledgers. In daily life, we have many scenarios, such as getting married, renovating, traveling, etc. In other applications, the method of separating ledgers is used to handle them, while in Pixiu, only corresponding tags need to be established.
2. Establish all accounts. This includes the cash in our hands, various bank cards, credit cards, WeChat change, Alipay balance, gas cards, State Grid electricity cards, and various existing debts and credits, etc. After the accounts are established, use balance adjustment transactions to adjust all the current account balances correctly.
3. Adjust revenue and expenditure items. When creating a ledger, detailed revenue and expenditure items will be created by default. At the same time, according to our own needs, we can add, modify, and delete them in the settings of revenue and expenditure items.
4. Start normal recording.

【Multi-Currency Support】
Pixiu supports multiple currencies. Different from some other applications, the currency in Pixiu follows the account, that is, we can choose the currency when creating an account. When recording consumption, by selecting the corresponding account, it is billed according to that account. If there is a cross-currency account transfer, in Pixiu, we can just use currency exchange.

【Accounts】
In Pixiu, an unlimited number of accounts can be created. There are a total of 26 types of asset and liability accounts in Pixiu, which basically cover most of what we will see in daily life. Among them, there are 3 types belonging to liabilities: credit cards, prepayments, and borrowings. There are 23 types belonging to assets: cash, bank cards, online accounts, time deposits, lent funds, prepayments, advanced payments, amortized revenue and expenditure, social security, personal insurance, property insurance, investment-linked insurance, public welfare insurance, listed securities, open-ended funds, money market funds, wealth management products, bonds, precious metals, digital currencies, futures, valuable assets, and items.
Credit card: A bank card with a credit limit that can be overdrawn. Also, Huabei, JD White Strip, etc. all belong to the credit card type.
Prepayment: Money received in advance from the other party and used to offset corresponding consumption later.
Borrowing: As the name implies, it is money borrowed from others. Bank loans also belong to borrowings.
Cash: The money in the wallet. Although cash is rarely used now, but
Bank card: A bank card that cannot be overdrawn.
Online account: WeChat change, Alipay balance, and some online accounts that only need to record the transaction flow can all use this type.
Time deposit: Certificates of deposit such as lump-sum deposit for three years, and some large-denomination certificates of deposit can be managed with this.
Lent funds: Lending money to others, which is a creditor's right for oneself. A virtual creditor's right account will be automatically created.
Prepayment: Money prepaid to others, usually used for merchants with