Financial Software Design

 

In fact, what is the use of financial software? I think it gives people a quick impression on how to use their existing wealth, how to allocate and design new financial solutions.

Generally, we don't need complicated financial management tools. We need to use this mathematical tool only for large items. For example, when buying a house or calculating income tax, we may need professional tools. So what is the use of financial management software? The first is bookkeeping, Which is boring because people need to know the financial status. Of course, if you don't keep an account, how can you get the financial status? This is an irreconcilable contradiction. To this end, we need to flexibly design the entry of accounting to make it easier and more humane.

 

People with good financial conditions are reflected in what is the difference between a fixed income and a sufficient personal time, because you have time to focus on creating new wealth. Then there is less expenditure. However, a person who has money does not mean happiness. If he has money, he or she needs to spend money to buy things to improve his or her life. Therefore, to evaluate a person's financial status, the less he or she spends, the better, in fact, as long as it is not overspending, he can use the money he earned to improve his life. This is understandable and worth advocating. The key is that the purchased items should be cost-effective so as to avoid spending money. Cost-effectiveness, such as the frequency of use of this item and the time to use it. If one item is frequently used, the cost-effectiveness is of course higher. Of course, some items may be disposable, but they are inevitable. In a word, the flowers must also be spent.

 

Financial conditions are better reflected in assets. Even if there is not much cash, if there is a large fixed asset, it is easy to convert it into cash, so it is almost the same as having cash. In addition, assets tend to increase over time, and cash will depreciate more and more.

 

Therefore, I think the first option is to consider cash flows and the second option is to consider shopping management to maximize the value of consumption for users, the third is to instruct users to purchase assets and prevent cash depreciation. Sometimes, we also need related remarks, such as the phone number of contacts and maintenance personnel. If they are integrated at the same time, this software will be more valuable. Financial Software is most important to provide a financial report, and no one is willing to analyze the financial status on their own, so automatic generation of financial reports is a selling point. Financial reports that users most want to see are cash flows, consumption purposes, consumption trends, and consumption warnings (combined with user budgets). Users have a consumption plan, instead of passively accepting the consumption status quo, he first has a consumption budget, hoping to spend a certain amount of money each month. Based on this budget, we can remind users of overspending, where should I consume more. Management of purchase items is ignored by many financial software, because most financial software only costs money, regardless of the value of the cost, I think this does not meet the user's expectations, the user hopes that this software can help him save money and help him spend his money on money, rather than simply managing financial management. The management of items is mainly based on the nature of planning, such as one-time consumption and multiple consumption, which makes sense to users and users want to know the relevant proportion. The additional value produced by the second item, for example, the item can be lent to others to obtain certain benefits. This item is much better than the one without any benefits, and the consumption is cost-effective for users. Or the maintenance of this item is always necessary, and the user can notice that it is not as simple as one-time consumption, and the maintenance cost of this item is also very high.

 

The so-called assets are generally relatively large items. In this case, we need to provide a set of professional prediction tools to help users understand the appreciation of assets after many years and make asset sales plans.

 

Generally, users live on wages. In addition, there may be some fragmented bonuses. Generally, wages are cyclical, it can predict the future asset status (of course there is no consumption), which can help users prepare shopping plans in advance.

These are the scope of personal financial management. If you want this tool to be applied to a store, such as a store, you need to design more product purchases, pricing, and other operations. Sales data is also very important. There are also employees' expenses, training expenses, and water and electricity expenses. If there are multiple stores, we also need to design the mutual allocation of goods and personnel arrangement changes.

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Financial Angel 1.0.0

Version: The first version is the major version, the second is the minor version, and the third is the revision version. Major versions develop core components, minor versions develop accessories, and revision versions fix vulnerabilities.

 

I. Accounting

One-time consumption: for example, traveling, eating, and buying snacks (this only requires simple management)

Purchase: purchase an item that can be used continuously. This item has a validity period. (This item should be managed as an asset. After all, it can be sold in the second-hand market to make money ).

Human Consumption: In theory, human consumption is also one-time, because the purchase is sent to others, but users may want to know how much money they have spent on each other, to assess whether the recipient is a notification reporter.

Income: for example, salary income, bonus income, or money given by a parent, and treat a friend. Income is somewhat lower than expenditure, which is relatively rare. Therefore, you do not need to enter income in such an efficient manner, and you do not need to obtain income details in such a way.

Lending: users can lend to others, others can lend to users, or borrow and repay the interest. In any case, this should be well recorded.

Ii. Asset Management

Management should be performed for items such as purchases or gifts obtained through "income.

Labor assets: such as wages, bonuses, and hard-earned user money

Physical assets: such as purchased computers

Debt assets: for example, borrowing money to others

Labor assets are characterized by the need for users to spend time on work, making money by selling labor. In addition, labor assets cannot be sold or transferred. If you are fired by the boss, you will be compensated for the salary of one or two months at most. Therefore, labor assets are high-risk.

There are several categories of physical assets, one of which is the value of user purchases. This type of asset is generally not ready for sale. However, there is still room for transfer. Physical assets have a validity period and will be automatically decommissioned upon expiration. The other is investment assets in general, such as real estate. If it is bought, it will appreciate. However, investment assets require you to continuously spend maintenance fees, such as monthly payments and management fees.

Debt assets: on the one hand, if you lend money to others, you may receive an interest. The most common is to save money into a bank. Debt assets are intangible and financial, and will not be lost due to time.

Each asset has a budget that can calculate the value of future assets. However, the budget and the actual situation tend to differ. Therefore, the budget needs to be revised.

Any assets may be at risk, and users may be interested in the risk assessment of their assets.

Assets can be sold to obtain cash, and the sale valuation is what users want to know.

The asset also needs to have a coordination relationship with the depreciation of cash. If the appreciation of assets is not as fast as the depreciation of cash, the asset is actually depreciating. Of course, it is better than holding cash.

3. Shopping budget

The purpose of money is to improve life and to maximize the role of money, which is the ultimate goal of financial software.

Different ages have different financial needs. When I was young, I spent most of my money on reading books (but my dad pays for it ). After work, you need to spend money to pick up girls, buy gifts, and interact with others. When talking about marriage, you need to buy a house, add furniture, and renovate the house. When it comes to children, you need to buy milk powder for books and teaching, and buy insurance to protect the family's backbone. The Pension Fund should be guaranteed after retirement.

Of course, what remains unchanged is that investment assets seek value-added.

Invest in yourself: for example, purchasing books and charging books, and what other health care products to enhance physical fitness.

Investment relationship: social networking is helpful. If we regard social networking as an investment, we can invest more actively in this aspect.

Investment affection: Of course, affection is not just about giving money, but also giving time to show sincerity and thinking for each other.

Investment Insurance: purchasing insurance is increasingly recognized by people.

Investment dream: everyone has a cool dream, but few are willing to pay cash for it.

Value-added investment: to make money, you need to invest in financial products. People usually spend money on the use of utility, and few people deliberately invest in value-added products. This means they do not make good use of excess cash and make a penny to spend a penny, place all the burdens of property on labor.

Related programs will be provided later.