심플한 가계부는 사용하기는 쉽지만, 반면에 자금의 흐름을 한 눈에 보기 어렵고 여러 계정을 관리하기도 좀 버겁습니다. 라대리처럼 재태크에 관심있는 사람들에게 용돈 기입장에 불과한 수준의 가계부라면, 기능이 너무 없어서 제대로 사용하기가 어렵죠.
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라대리는 카드를 사용할때마다 부채가 쌓이고, 카드값을 내는 날이면 저축계좌에서 카드 부채가 상쇄되는 일과 같이 종합적인 자금의 흐름을 한 눈에 볼 수 있는 가계부를 찾게 되었습니다. 아이폰까지 활용할 수 있다면 더할 나위 없이 좋겠죠.
http://latte4u.net
아이캐쉬하우스(iCashHouse)는 복식부기를 지원하는 제대로 된 인터넷 가계부입니다. 클리앙 커뮤니티에서도 진리의 가계부, 최고의 가계부, 이런 서비스가 왜 공짜인지 모르겠다는는 극찬을 받고 있습니다. 라떼네 집도 여러 가계부를 거쳐서 오래 전부터 아이캐쉬하우스(iCashHouse)를 사용하고 있답니다.
http://latte4u.net
아이폰용 어플은 아니지만, PC에서는 웹브라우저로 아이캐쉬하우스(iCashHouse)사이트에 접속해서 가계부 내용을 정리하고, 아이폰에서는 사파리 웹 브라우저로 모바일 사이트에 접속해서 언제든지 새로운 입출금 내용을 기록할 수 있답니다.

아이캐쉬하우스(iCashHouse) 웹사이트 

데스크탑용 : http://www.icashhouse.co.kr


#1 아이캐쉬하우스(iCashHouse)가 갖는 장점
회계용어라 어려울수도 있지만, 단식부기와 복식부기는 자금의 흐름을 관리하는데 매우 큰 차이를 갖고 있습니다. 복식부기에서는 자금의 유입 경로, 지출 경로등을 함께 기입하게 되어 다른 계정으로의 자금 이동도 매우 간편하게 해결됩니다.
http://latte4u.net
예를 들어, 카드값으로 나가는 경우에도 저축계좌에서 신용카드 계정으로 돈을 이동시켜서 그 동안 쌓아진 신용카드 부채를 상쇄하는 방식으로 자금 관리가 가능해집니다.
http://latte4u.net
네이버 가계부 같은 것은 단식부기에 해당되어 간단하게 지출을 관리하는 데는 좋지만, 보다 전문적으로 자금을 관리하기에는 부족함이 많습니다. 포켓 머니(Pocket Money)와 같은 아이폰용 가계부 어플을 사용하는 것도 좋은 방법이 될수도 있지만, 아시다시피, 웹 서비스로 제공되는 것을 사용하게 되면 여러가지 장점이 생기게 되죠. 예를 들어, PC를 포맷하더라도 가계부 데이타를 백업할 필요가 전혀 없습니다. 그리고, 아이캐쉬하우스(iCashHouse)처럼 모바일 사이트까지 제공한다면, PC에서 또는 아이폰에서 필요한 상황에 따라 언제든 편리하게 가계부를 사용할 수 있어서 좋습니다.
  

#2 아이캐쉬하우스(iCashHouse)의 기능
앞서서 단식부기, 복식부기라는 말을 하였는데, 아이캐쉬하우스(iCashHouse)에서는 회계를 모르더라도, 쉽게 사용할 수 있도록 잘 구성되어 있습니다. 그렇지만, 제대로 아이캐쉬하우스(iCashHouse) 가계부를 활용하려면 먼저 도움말에 설명되어 있는 내용을 천천히 훓어보는 것이 좋습니다.
  
http://latte4u.net
아이캐쉬하우스(iCashHouse)에는 아래와 같은 메인 메뉴로 구성되어 있습니다.

거래입력 : 새로운 수입/지출 내역을 기록하는 곳
거래내역 : 기록된 수입/지출 내역을 보거나 수정,삭제하는 곳  
예산지출 : 예산대비 지출한 내역을 보는 곳
손익계산서 : 카테고리별로 수입과 지출 내역을 보는 곳
대차대조표 : 각 계정별로 현재 자금 상태를 보는 곳
기간별손익 : 기간별로 수입/지출 비교 막대그래프를 보는 곳
손익항목변동 : 기간별 카테고리별 수입/지출 꺽은선 그래프 보는 곳
총자산변동 : 기간별 자본, 부채를 포함한 총자산 그래프를 보는 곳
설정 : 자산, 부채, 자본, 지출, 수입 계정을 설정하는 곳

 

#3 글을 마치며...
복식부기부터 시작해서 아이캐쉬하우스(iCashHouse)의 기능을 전부 설명하는 것보다는 아이캐쉬하우스(iCashHouse) 도움말에서 제공하는 자료를 보는 편이 좋을 거 같습니다. 
http://latte4u.net
지금까지 나왔던 그 어떤 가계부보다 그 이상의 강력한 기능과 모바일 사이트 운영으로 편리한 가계부 정리를 확신합니다. 아직까지 가계부를 적고 있지 않는 분들에게는 재태크의 시작으로 아이캐쉬하우스(iCashHouse)를, 이미 가계부를 관리하고 있으나, 기능이 마음에 안드시는 분들에게도 아이캐쉬하우스(iCashHouse)를 강력 추천합니다.

저작권 :: Latte's Planet의 글은 기본적으로 펌금지입니다. 저작권 관련 공지 보기

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  8. Saints defensive end Will Smith attended the bounty appeals hearings conducted by former NFL Commissioner Paul Tagliabue, but didn't have much to stay to reporters on Wednesday other than it was fulfilling to have the opportunity to listen in on cross examinations of accusers like former Saints defensive coordinator Gregg Williams.



    REDSKINS



    "You stay aggressive," Brees said. "You stay confident. You trust in confidence. If you don't have that as a quarterback in this league you can't play.



    SAINTS



    "I probably hung on to that Atlanta loss a little longer than normal just because we had more time," Brees said, . "I obviously dug deep to find where I can make the corrections, where we can make the corrections and how we can move on from that."



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    The Saints' success rides on Brees correcting the errors – in Brees' four two-interception games this season, New Orleans is 0-4. And while Brees leads the league with 31 touchdown passes, he also is tied at the top of the interception list with 16.



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    Bryant has the numbers -- he has 71 receptions for 978 yards and eight touchdowns this season -- but his maddening inconsistency leaves the organization and teammates frustrated.



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    Nick Foles and the Eagles rallied from an 11-point deficit in the fourth quarter for a last-second win on Sunday over the Buccaneers .

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    ? In his fourth career start, Foles became only the third rookie in NFL history to throw for 380 or more yards with multiple touchdowns and no interceptions. Marc Bulger of the Rams did it in 2002 and Andrew Luck of the Colts this year.

    ? Foles' 381 passing yards are the 13th-highest total in NFL history by a rookie.

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#1 하나은행 하나N Money 특징
하나은행의 아이폰 가계부 하나N Money를 처음 실행하고 느낀 생각은, 심플하고 간결한 사용과 알록달록하게 디자인한 개발자의 센스였습니다.

가계부 어플마다 특색이 있는데, 하나N Money는 심플하고 빠른 수입/지출관리에 중점을 두고 있습니다. 실제로 메인 화면에서는 수입/지출을 중점적으로 쉽고 빠르게 입력할 수 있는 편리한 사용자 인터페이스를 갖고 있습니다.

가계부를 사용하다보면, 수없이 발생되는 매일 매일의 지출건에 대해 일일히 입력을 빠르게 할 수 있는 사용자 인터페이스가 중요해집니다. 입력하는데 시간이 많이 걸리거나 불편한 구조라면, 지출건이 발생할때마다 입력을 하지 않고, 나중에 한꺼번에 입력하게 되는데, 이럴 경우 지출입력 누락선이 발생되기 마련입니다. 따라서, 순간 순간의 기록을 빠르고 편리하게 입력할 수 있는 사용자 인터페이스는 가계부 기능 중 중요한 부분이기도 합니다.

하나은행의 하나N Money는 바로 이러한 심플하고 직관적인 사용자 인터페이스로 수입과 지출을 집중 관리 할 수 있는 특징을 갖고 있습니다.

#2 하나N Money 주요 메뉴
하나N Money의 메인 화면 하단에는 각각의 주요 메뉴 버튼들이 위치해 있습니다.

Home :: 매일 매일 발생되는 수입/지출건을 기록 관리
자산 :: 자산(금융,부동산,주식,기타)/부채(마이너스,모기지론) 관리
리포트 :: 분류별 수입/지출내역, 수입/지출 변동내역등 각종 가계부 보고서
도움말 :: 가계부 기능, 메뉴 설명
찾기 :: 가계부 입력 내용 조회
계산기 :: 계산기 자체 내장
 

설정 :: 가계부 수입/지출 계정설정 및 자주 쓰는 계정 설정등 가계부 전체 설정

#3 하나N Money 설정
하나N Money를 설치한 후에 곧바로 가계부를 사용하더라도 크게 불편함이 없도록, 기본적인 수입/지출계정들이 디폴트로 설정되어 있습니다. 하지만, 보다 세부적인 사항들을 먼저 셋업하고 가계부를 사용한다면 더욱 편리하게 자산관리할 수 있습니다.

하나N Money 설정을 위해 하단에서 설정 메뉴를 터치합니다.
 

가계부 결산일 :: 매월 가계부를 정리하고 새로 시작하는 일자를 정할 수 있습니다.
 

비밀번호 설정 :: 비밀번호를 설정하면 하나N Money 시작시 패스워드를 확인하여, 다른 사람이 가계부 내용을 볼 수 없도록 차단합니다.


카드 관리 :: 본인이 사용하는 신용카드들을 등록합니다. 신용카드를 등록해두면 지출입력시 어떤 신용카드를 사용하였는지를 선택할 수 있습니다.


자주쓰는 지출관리 :: 자주 사용하는 지출 계정을 등록합니다.
 

자주쓰는 수입관리 :: 자주 사용하는 수입 계정을 등록합니다.
 

지출분류관리 :: 외식, 선물, 장보기, 주유..등등 지출 카테고리를 정의할 수 있습니다.


자주쓰는 지줄분류관리 :: 자주 쓰는 지줄분류를 등록합니다.
 

수입분류관리 :: 급여, 용돈등등 수입 카테고리를 정의할 수 있습니다.
 

자산분류관리 :: 금융, 부동산등등 자산 카테고리를 정의할 수 있습니다.


부채분류관리 :: 모기지론, 마이너스등등 부채 카테고리를 정의할 수 있습니다.
 

데이타 백업 :: 무선랜을 통해 PC로 데이타를 백업하거나 복원할 수 있습니다.
 

가계부를 사용하기 위해, 가장 기본적으로 설정해야하는 것은 카드 관리, 지출분류관리, 수입분류관리, 자산분류관리, 부채분류관리입니다. 이들은 자신이 사용하는 카드나 수입/지출유형, 자산/부채등을 등록관리할 수 있게 합니다.

#4 하나N Money 사용
하나N Money의 홈화면을 보면, 상단의 배터리 모양을 한 전체 수입대비 지출에 대한 총잔액이 표시되고 있습니다. 지출이 수입보다 많아지면 붉은색으로 표시됩니다.

매일 매일의 수입/지출 등록은 매우 간편하게 홈화면에서 할 수 있습니다. 메인 화면상의 커다란 수입/지출 아이콘 중 해당 건에 따라 터치해주면 입력화면으로 이동하게 됩니다.
 

.수입.
수입 분류 항목을 선택하고, 금액, 일자를 입력합니다. 설정에서 등록한 자주 쓰는 수입이 있다면, 보다 간편하게 입력할 수 있습니다.


.지출.
지출은 가장 빈번하게 사용하는 메뉴입니다. 지출유형을 선택하고 금액, 일자, 현금/카드 구분을 선택합니다. 카드를 선택하게 되면, 설정에서 등록한 신용카드 중에서 어떤 카드로 사용했는지도 선택입력 할 수 있습니다.

#5 하나N Money 자산관리
하나N Money에는 기본적인 수입/지출 계정이외에도 금융,부동산과 같은 자산계정을 별도로 관리할 수 있습니다.

자산관리 :: 자산 / 부채 / 자산부채 비율

자산
금융, 부동산, 주식, 기타 자산을 등록하고 관리할 수 있습니다. 새로운 자산은 "등록" 버튼을 누른 후 입력하고, 추가 변동된 자산은 자산 이력에서 추가 변동 사항을 입력할 수 있습니다.


부채
마이너스 통장, 모기지론, 신용대출등 대출관련 부채 내역을 등록 관리 할 수 있습니다.


자산부채 비율 
전체자산과 전체부채의 비율을 그래프로 보여줍니다.
 

#6 하나N Money 리포트
가계부에 매일 매일의 기록만을 남기고, 분석할 방법이 없다면 가계부를 제대로 활용한다고 볼수도 없습니다.

하나N Money에는 리포트 메뉴에서 그래프가 포함된 각종 보고서 자료를 쉽게 볼 수 있습니다.
 

수입/지출 변동내역                                 자산부채 변동내역


현금 VS 카드 지출 내역 

카드별 사용내역

# 글을 마치며...
하나은행의 아이폰 사용자를 위한 하나N Money는 마땅한 국산 가계부 어플이 없는 현실에서 단비와 같은 훌륭한 어플입니다. 심플한 입력 기능은 사용자로하여금 가계부 사용을 더욱 쉽고 편리하게 만들어 주었습니다.
 

하지만, 홈화면의 수입/지출관리 기능과 자산관리 화면의 금융,부동산,기타자산, 모기지론, 마이너스, 신용대출등 각종 자산 계정과의 연동이 고려되지 않아, 전체 자산관리를 하기에는 매우 불편합니다.

예를들어, 매달 10만원씩 저축을 한다고 할때, 홈화면에서는 지출계정으로 10만원이 빠져나가게 등록하고, 자산관리 화면에서는 10만원이 새로 등록된 것처럼 이중으로 입력해야하는 불편한 상황입니다.

또한, 신용카드 사용시 부채계정으로 발생되지 않고, 단순히 체크카드 개념으로 즉시 지출건으로 처리되는 점도 정확한 신용카드 부채관리 측면에서 단점으로 생각됩니다. 비밀번호 입력 기능도 어플이 실행중인 상태에서 아이폰이 슬립모드로 갔다가 다시 켰을 때, 비밀번호를 체크하지 않는 것도 개선 되어야 할 부분입니다.

복식부기까지 기능을 지원하지는 않더라도 계정간의 자산이동은 필수적으로 필요한 가계부의 기능이라고 생각합니다. 차기 버젼에서는 하나은행 금융거래와의 연동을 한다고 하니, 진화하는 하나N Money 가계부에 다시 한번 큰 기대를 가져 봅니다.

저작권 :: Latte's Planet의 글은 기본적으로 펌금지입니다. 저작권 관련 공지 보기

  1. 이전 댓글 더보기
  2. BlogIcon yemundang 2010.02.17 15:36

    정말 정리를 잘 해주셨네요.
    방금 설치하고 간단 포스팅했거든요. 글 엮고 갑니다. ^^

  3. 2011.11.08 16:35

    자산연계 되는줄알고 찾으로 들어왓는데 안돼네여 ^^;;
    간편한거 같아 많이 이용해볼려고 했는데~
    어찌해야 할까여 ㅋㅋㅋ

  4. 1. Babbling on.
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    Babbling on too much is, at least in my opinion, something that often comes from being too focused inward. Being too focused on yourself in a conversation.
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    Hanging on to a topic for too long can make a conversation boring and awkward. Often there is a natural transition from topic to topic. But if you keep coming back to the same topic over and over again or cling to it while the other(s) want to move on then you are interrupting the flow.
    This can also evolve into a situation where you feel you need to be right at all costs. That's when things tend to get really awkward. Try lightening up and letting go if you feel that is a common problem you are experiencing.
    It can be interesting to listen to someone talking a lot about their passion in life. But you still have to be flexible, let the conversation flow back and forth and be mindful of the fact that not everyone will be so interested in something as you are.
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    4. Not listening.
    Not really listening is perhaps one of the biggest mistakes people make. It has certainly been one of my biggest issues in conversations and although I think I have improved it still is.
    If you are just waiting for your turn to talk instead of listening then you'll often miss much of what is said (verbally or non-verbally). There will be a lack of genuine understanding and disconnect that makes the conversation less exciting than it could be.
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    5. Thinking it's all about me, me, me!
    So it's pretty obvious from what you have already read so far in this article that if you focus too much on yourself then a conversation or any sort of relationship will probably become pretty boring. You will become a bad listener. You will tend to prattle on endlessly about what you like to talk about.
    People are interested in themselves. That is one big reason why for example a lot of people always think everyone is thinking or talking about them and so they become shy or they don't experience the sort of social freedom that they could.
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    About the Author
    Blogger and writer on the topic of personal development. Big fan of Turbulence Training, the Thesis Theme for Wordpress and the Paraliminals cds.



    One way to make conversations a lot more awkward and unfulfilling is to bore people to half to death. Sometimes you don't even know you are doing it (that's at least what I have done). So today I'd like to list 5 common mistakes that I have made in conversations to help myself - and maybe someone else too - to avoid them in the future.

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    Christian Ponder completed 35 of 52 passes for 352 yards.



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    PHILADELPHIA (AP) — Jason Hanson kicked a 45-yard field goal in overtime and the Detroit Lions rallied from a 10-point fourth-quarter deficit to beat the Philadelphia Eagles 26-23 on Sunday.



    Ray Rice scored two touchdowns and Joe Flacco threw for a score to help the Ravens (5-1) secure their fourth consecutive victory and enhance their grip on first place in the AFC North. Baltimore's home winning streak is the longest current run in the NFL.



    FALCONS 23, RAIDERS 20



    James Jones caught two touchdown passes for the Packers (3-3). Tom Crabtree had the other one, a 48-yarder that Rodgers threw just before taking a hit from Houston linebacker Brooks Reed.



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    The Redskins (3-3) feasted on a Minnesota team that had not allowed more than 23 points in a game this season. Minnesota's three-game winning streak ended. The Vikings are 4-2.







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    MIAMI (AP) — Ryan Tannehill threw two touchdown passes and Miami withstood a late rally.



    ATLANTA (AP) — Matt Bryant kicked his second game-winning field goal in three weeks, a 55-yarder with 1 second remaining.



    EAST RUTHERFORD, N.J. (AP) — Shonn Greene ran for a career-high 161 yards and three touchdowns, Mark Sanchez was efficient and Tim Tebow made a few big plays.



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    The Cardinals (4-2) lost their second in a row after a 4-0 start. The Bills (3-3) won after allowing 1,201 yards and 97 points in their previous two games.



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    BALTIMORE (AP) — Jacoby Jones tied an NFL record with a 108-yard kickoff return and Baltimore won its 14th straight regular-season home game



    LANDOVER, Md. (AP) — Robert Griffin III ran for 138 yards and two touchdowns, including a 76-yard scamper with 2:43 to play, and Washington snapped an eight-game home losing streak.



    After outscoring the Bills and Jets by a combined 79-3 the last two weeks, the 49ers (4-2) met their match again with Eli Manning and New York's top team. No overtime needed this time, and not much of Manning either.



    CLEVELAND (AP) — Rookie Brandon Weeden threw two touchdown passes and that dated to last season.



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    The Rams faced a fourth-and-8 at the Miami 48-yard line with 30 seconds left, and rather than go for a first down, coach Jeff Fisher sent out rookie Greg Zuerlein to try a 66-yard field goal, which missed wide left.



    BUCCANEERS 38, CHIEFS 10







    Zuerlein made two field goals to improve to 15 for 15 this season, but then missed three times in a row, including from 48 and 32 yards in the first half.



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Splash 시리즈는 PALM PDA에서부터 워낙 유명했던 킬러어플 중 하나입니다.
특히, Splash Money는 가계부 프로그램으로 매우 잘 만들어진 프로그램입니다.
아이팟터치에도 Splash Money가 한참전에 출시되었고, 아이팟터치 가계부를 찾으신다면, 추천드립니다.

Splash Money는 AppStore 유료 어플입니다.

아이팟터치를 활용한 가계부 작성은 무엇보다 장소에 구애받지 않고 언제든지 가계부를 작성할 수 있다는 편리성에 장점이 있다고 생각합니다. 대부분 가계부를 작성하다보면 어느 새 하루 이틀 작성할 항목을 쌓아두게 되고, 그러다보면, 잊어버리고 관리가 안되고, 가계부를 작성하는 취지를 벗어나게 됩니다.

가계부는 본인 계정에서 입출금이 발생하는 그 즉시, 기입해야합니다. 그래야지만, 쌓아두고 잊어버리는 일이 없고, 현재 재정상태를 실시간으로 가장 분명하게 관리할 수 있기 때문입니다. 그런 취지에서 본다면, 아이팟터치를 활용하여 가계부를 작성하는 것은 가계부 작성의 즉시성과 일관성을 유지할 수 있는 좋은방법입니다.


1. Splash Money 설정
Splash Money를 사용하기 위해서는 계정, 카테고리와 같은 기본적인 항목을 먼저 셋업해야합니다.
Splash Money 실행 후 첫 화면에서 상단에 Tools을 터치하게 되면, 전체적인 셋업을 할 수 있습니다.

하단의 좌측부터, 신규 계정 셋업, 통계 그래프, 예산, 온라인뱅킹싱크(미국지원) 입니다.

우측 하단의 금액은 모든 계정의 합산 금액입니다. 그런데, 이 합산 금액은 계정 설정시에 합산하곘다 안하겠다를 지정할 수 있습니다. 아래 예제 화면에서는 신한카드와 비씨카드 계정만 합산하겠다라고 셋팅을 해두어서, 합산된 총금액이 신용카드 사용액으로 나오게 되었습니다.


1.1 계정 설정
계정은 본인이 아이팟터치로 관리하고자 하는 신용카드나 은행계좌, 지갑같은 항목입니다. 저는 기본적인 입출금계좌와 신용카드에 대한 정보만을 아이팟터치에서 관리하고 있습니다. PC에서 별도의 프로그램(MS Money)으로 관리하고 있기때문에, 제가 개인적으로 주로 사용하는 것만 아이팟터치로 관리하고 있습니다.

신용카드를 사용후에, 퇴근후 집에서 PC를 켜고 기입하기가 번거롭고 잊어버리기가 일쑤입니다.
그래서, 저는 아이팟터치를 사용해서 개별적으로 낮에 사용한 모든 건을 그때 그때 입력해두고 있습니다.

계정설정은 Saplsh Money 홈화면에서 "+"를 누르면 새로운 계정을 만들 수 있습니다.

계정 설정시 계정의 이름을 입력하고 계정의 종류(Type)를 선택합니다.

Account Type
  • Checking
  • Savings
  • Cash
  • Credit
  • Asset
  • Liability
  • Money Market
  • Line of Credit
자주 사용사는 계정 종류 Savings(입출금통장), Cash(지갑), Credit(신용카드), Asset(기타자산), Liability(부채) 정도면 되겠습니다.

위 화면에서 Include in Home Total 을 ON 해두면, 홈화면 하단에서 합산금액에 이 계정의 금액이 합산되어 보여집니다. 원하지 않으면 OFF로 해두시면 됩니다. 앞에서 설명드렸듯이 저는 신한카드와 비씨카드만 이부분이 ON되어 있는 상태입니다.

1.2 카테고리 설정
수입과 지출에 따른 입출금이 발생하면, 어떤 계정(신용카드,보통예금통장)에 어떤 종류의 트랜잭션이 발생되었는지를 카테고리를 사용하여 기입합니다.

카테고리는 본인의 수입과 지출에 대해 어떠한 내역으로 지출을 하고 수입이 이루어 졌는지를 나중에 통계자료를 볼때 사용하는 중요한 설정입니다.

카테고리의 Parent 항목은 카테고리를 트리형식으로 구성할 수 있게 합니다.
예를 들어 의료라는 카테고리를 만들고, 병원비와 약국 카테고리를 따로 만들었다면, 병원비, 약국 카테고리를 각각 설정할때, Parent 를 의료로 지정하면 의료 카테고리 밑에 병원비와 약국이 서브카테고리로 형성됩니다.

의료 - 병원비
        - 약국

1.3 Payee 설정
Payee란 지급처를 나타냅니다.
예를들어, 편의점에서 우유를 하나 산 경우, 편의점이 지급처가 됩니다.
지급처는 기본설정에서 셋업해둘수도 있고, 실제 입출금을 기록하는 트랜잭션화면에서도 새로 추가할 수 있습니다.

1.4 기본 화폐 설정
Splash Money는 다양한 화폐를 지원합니다. 대한민국 원화도 당연히 지원되구요.
기본 화폐가 초기에는 달러로 되어 있습니다. 기본 화폐를 원화로 변경해 두는 것이 사용하는데 편리합니다.

기본 화폐 이외에 신규 계정 셋업시에도 화폐단위를 원화로 선택하여야 합니다. 원화로 하지 않으면, 매번 입출금 기록시에 금액이 달러로 입력되고, 매번 원화로 화폐를 변경해줘야하는 불편함이 있습니다.


2. Splash Money 활용
2.1 입출금 처리
입출금처리 입력시에는 먼저 계정을 선택하고, "+" 버튼을 터치합니다.
일자, 지급처(payee), Type(수입,지출,출금,입금....), 금액, 카테고리등등을 입력합니다.

참고: 맨하단 [동양종금] 20,000원은 동양종금 계좌에서 Wallet계좌로 이체한 건입니다.
이런 경우 동양종금에는 지출로, Wallet에는 그 금액만큼 입금으로 자동 생성됩니다..
자세한 사항은 이체처리에서 다시 설명하겠습니다.

아래와 같이 카테고리가 화면에 표시되려면 홈화면 Tools에서 Preference를 선택하고, 화면에 보여질 항목중에 카테고리를 선택해주어야 합니다.


Class는 개인적인 용도 또는 업무적인 용도 등으로 구별할수도 있고 새로 설정해도 됩니다.
State는 처리가 완전히 끝나게 되면 cleared로 해주는 방식으로 사용해도 되고, 사용안해도 무방합니다.
기능이 많으니, 개인적인 용도에 맞게 사용하실것만 사용하셔도 됩니다. 예를들어 지급처(payee)를 나는 사용하지 않겠다라고 계획하셨으면 그렇게 하셔도 무방합니다.

Transaction Type에서 신용카드를 사용하는 경우 Charge, 수입을 입금하는 경우 Deposit, EFT는 일종의 직불카드, Payment는 지급, Withdrawal은 출금등의 의미인데, 상당히 모호하기도 합니다.

저는 대부분 신용카드는 Charge, 수입은 Deposit, Withdrawal은 출금이나 이체등에 사용합니다.

금액은 Enter Amount 쪽에만 입력해도 됩니다.
다양한 화폐를 지원해서 아래쪽은 다른 화폐를 입력했을때, 환율에 맞게 컨버팅해주는 부분인데, 아직 테스트를 못해봤습니다. 원화만 사용하시면, 하단 Convert Currency는 사용하실 필요가 없습니다.

2.2 이체처리
이체처리란, 가계부를 기입하다보면, 돈을 한 계정에서 다른 계정으로 보내야 하는 상황이 발생합니다. 예를들어, 입출금계좌에서 신용카드 대금을 지불하는 경우입니다.

이런 경우, 입출금계좌에서(보내는계좌) Withdrawal을 선택하고 이체될 금액을 기입합니다.
카테고리 선택에서 하단으로 내려가면 카테고리외에 다른계정들이 보이게 됩니다. 이중에서 신용카드 계정(받는계좌)을 선택하면 됩니다.

이렇게 처리하면, 원래 입출금계좌에는 돈이 빠진것으로 기입되고, 신용카드계좌로는 돈이 입금된것으로 처리되어, 결과적으로 신용카드 대금을 납부한것으로 보이게 됩니다.

아래 예제 화면은 입출금계좌에서 지갑계정으로 돈을 보내는 경우입니다.
(실제로는 ATM에서 돈을 인출해서 제 지갑에 넣은 경우이죠)

2.3 통계
통계 기능은 Splash Money의 강력한 기능으로 지출내역과 수입내역을 레포트 형식으로 보거나, 그래프 형식으로 비쥬얼하게 볼 수 있습니다. 하단의 "+" "-" 버튼을 누를때 마다, 수입과 지출로 전환되어, 통계 그래프를 볼 수 있습니다.
위 통계 그래프에서 Other를 터치하면 세부적인 항목을 확인할 수 있습니다.

아래 화면은 레포팅 형식의 통계입니다.
좌측 하단의 버큰을 터히하면 아래와 같이 출력되고, 그 옆의 그래프 버튼을 터치하면 그래프로 표현됩니다.
아무래도 그래프 형식을 많이 사용합니다.

통계자료는 조건을 주고 통계범위를 설정할 수 있습니다.


2.4 예산설정
예산을 설정하여, 불필요한 지출을 넘지 않도록 관리할 수도 있습니다.

3.기타
온라인 뱅킹은 미국에서만 사용할 수 있는거 같아서 생략합니다.
그리고, Splash Money 데스크 탑을 사용한다면, 무선랜을 통해 아이팟터치 Splash Money를 동기화 할 수 있습니다.

  1. BlogIcon masmerah 2008.10.23 18:45

    제 아이폰에는 Splash Money / Pocket money / iXpenseIt / Budget / Balance 몽조리 다 있습니다. 이것을 보면 제가 얼마나 PDA 시절처럼 적합한 가계부용 어플을 찾고 있었는지를 아실거고... 또 보면 아직은 적합한 한가지를 결정하지 못했다는것을 알수 있습니다.

    결정적으로 아직 한가지를 정하지 못한 이유는.... 제가 최근에 Splash Money를 주로 사용하려고 했는데 역시나 Pocket Money처럼 어느정도 데이터가 쌓여가면 벅벅 거림과 함께 튕김현상이 간간히 일어납니다. 겨우 두달치 쌓였는데도 이런데.. 앞으로 지속적으로 해도 될련지에 의문이 들어서.. 결국은 다시 아이폰은 단지 잊어버리지 않기 위한 그날그날이 기록용으로....
    정식 가계부는 엑셀로 하려고 맘을 바꾸어 먹었네요....(지금 한창 저에게 맞는 엑셀로 만들어진 가계부를 찾고 있는데.....혹 좋은게 있으면 추천해주시거나 프로그램을 보내주시면 무한한 감사~~)...

    제 나름대로의 결론은... 아이폰에는 단순 잊어버리지 않기 위한 기록 이상의 것을 바라면 안된다~~~ 이네요~ 쯔업(게다가 데탑과의 연동도 안되니~~~ ㅎㅎ)

    • BlogIcon latte4u 2008.10.24 12:08 신고

      데이타가 많아지면 버벅거린다는 증상이 발생되는지 저도 한번 테스트 해봐야 겠네요. 한 두어달 후에 증상을 올리겠습니다. ^^ 고민고민하다 사용하려고 셋팅 열심히 했는데, 그런 증상이 생긴다면 짱날거 같아요. ^^

    • BlogIcon latte4u 2008.10.24 12:20 신고

      아 저는 Microsoft Money를 사용하고 있습니다.
      외국에 게시니 영어환경에 거부감은 없으실거 같은데...^^ 머니가 영문판만 나와서요...

      기능이 짱 많아요. 가계부가 아니라, 소기업 회계/재정 프로그램으로 써도 될 정도로 막강해요.

      예전에 PDA쓸땐, Splash Money 데스크탑도 쓰다가, MS Money로 넘어왔어요.

  2. kinokid 2008.10.24 12:10

    저도 스플래쉬 머니 잘 사용하고 있는데 아이팟에서는 한글의 입출력이 자유로운데
    데스크탑과 연동하려면 한글을 사용하면 안되더군요. 싱크가 제대로 되지가 않네요.
    여러모로 맘에 드는 프로그램인데 데스크탑과의 연동에 문제가 생기니 참 아쉽습니다.

    • BlogIcon latte4u 2008.10.24 12:16 신고

      아니 이런 데스크탑과 연동이 한글이 안된다니, 정말 치명적이네요...

      저는 데스크탑은 다른 프로그램을 사용중이라서 미처 몰랐네요.

    • Bandit Jing 2009.01.20 16:41

      터치로 splashmoney 사용중인데..
      정확히는 계좌 중 한글이 있으면 처음 싱크할때는
      잘 됩니다만 두번째부터는 싱크가 안되는군요.

      데스크탑의 프로그램을 찾을 수 없다고 뜨네요..

      ** 계좌명을 영어로 고치니깐 싱크가 잘 되네요.
      신한은행 -> Shinhan Bank 로..
      하위메뉴는 한글로 써도 상관없습니다.

  3. BlogIcon iHWAN 2008.10.24 13:05

    종종 입력시 튕겨나가서 결국 PDA로 돌아왔습니다.

    아직은 불안정하더군요.

    • BlogIcon latte4u 2008.10.24 13:07 신고

      아 저도 가끔 튕겨져 나가긴 하는데, 자주 그러진 않아서요. 이 어플 말고 다른 게임들도 튕겨나가긴 마찬가지라서요. 아이팟 OS자체가 문제인거 같아요.

  4. haedohero 2009.01.03 17:18

    안녕하세요 터치 구입하고 latte4u님 블로그에 처음 댓글 달아보네요~ ^^
    올려놓으신 터치 어플강들 너무 유용하고 좋습니다.
    제가 질문 하나 드리고 싶은데요. latte4u님이 위에 설명해주신 Splash money를 다운 받았는데 pc랑 동기화 방법을 모르겠네요. 염치 없지만 시간 되시면 pc판 트라이얼 버젼과의 sync 테스트 부탁드려도 될까요? 참고로 저는 맥을 쓰고 있지만 왠지 도움이 될거 같습니다.

    • BlogIcon latte4u 2009.01.05 09:21 신고

      제가 PC로는 MS Money를 사용하고 있어서 거기까진 설명을 못드렸는데요. 설치해보고 다시 말씀드릴게요

  5. BlogIcon 예슬아빠 2009.02.25 09:04

    혹시 답이 있으실까 하고 질문 올려 봅니다.
    액수 입력할 때 예를 들어 1000원이라면 "1000.00"으로 입력해야 되는데...
    소수 이하 단위를 없애버리는 방법이 없을까요?

    달러는 1.02 -> 1달러 2센트와 같이 되겠지만, 원화에서는 소수 이하 금액은 없으니까요.
    1원을 입력할려고 해도 1 0 0을 입력해야 1원이 되니... 매번 번거롭네요.

    • BlogIcon latte4u 2009.02.25 11:09 신고

      저도 그 점이 매우 번거로운데..

      하도 여러 어플을 테스트 하나보니, 분명히 소숫점 입력안해도 되는 어플이 있었는데, 그게 스플래쉬 머니인지는 기억이 안나네요..

      지금 제 아이팟터치가 펌업후 약간 문제가 생겨서 지금당장 스플래쉬머니에서 되는지 확인해드리기가 어렵습니다.
      나중에 다시 말씀드릴게요

  6. BlogIcon 예슬아빠 2009.02.25 09:06

    질문 둘..(제가 소개 글보고 SplashMoney를 구입했답니다. 어제...^^;;)

    카드 같은 경우에 신용결제를 하다가 매월 지급일에 실제 금액이 정산되잖아요.
    신용카드를 그렇게 처리하는 방법이 있는지요?

    • BlogIcon latte4u 2009.02.25 11:07 신고

      보통 저는 신용카드를 사용하면 신용카드 계정은 마이너스가 됩니다. (부채가 쌓이는 거죠)

      나중에 카드값을 내는 행위는 은행계좌에서 돈이 빠져나가면서 카드값이 처리가 됩니다.

      마찬가지로 저는 은행 보통예금계정에서 신용카드계정으로 돈을 Transfer 합니다. 이렇게 되면 마이너스인 신용카드 계정이 마이너스가 감소하게 되죠. (부채의 감소)

      계정간 돈을 이체하는 기능을 사용하시면 됩니다.

      은행계정까지 관리를 안하시고 신용카드만 관리하신다면 그냥 신용카드 계정에 플러스로 입금을 잡아주시면 부채가 감소하겠죠. ^^

  7. BlogIcon 예슬아빠 2009.02.25 14:52

    그렇게 하면 되겠군요. 여러모로 삶이 복잡해 지네요...^^;;
    (저는 제 통장과 모든 관리를 와이프한테 떠넘기고 전화로 시키는 스타일이라서...)

  8. BlogIcon 제로 2009.10.13 17:02

    안녕하세요 글 잘 읽고 splash money 잘 쓰고 있습니다.
    그런데 splash money desktop 을 사용하지 않고,
    아이팟터치에서 사용중인 splash money의 데이터들을
    백업해놓을 방법이 없을까요?

    • BlogIcon latte4u 2009.10.14 18:48 신고

      iTunes 싱크하실때 데이타는 백업되구요.
      별도로 백업을 원하시면, 해킹하시고, Chronus같은걸 사용해보세요

  9. BlogIcon 제로 2009.10.15 10:11

    iTunes 동기화할때 백업과정이 너무 길어서 x 버튼 눌러서 스킵해버리는 편이라
    Chronus 활용법을 연구해봐야겠군요.
    답변 감사드립니다.
    그런데 해킹팟일경우에 iTunes와 동기화를 하면 iTunes를 통하지 않고 설치된 어플이 가끔
    지워져 버리던데 이것을 막는 방법이 없을까요?

    • BlogIcon latte4u 2009.10.15 11:25 신고

      저도 백업은 스킵하고 있습니다.
      Chronus 리뷰도 올라와 있으니, 보고 하시면 어렵지 않습니다.

      그리고, iTunes 로 동기화할때 터치에서 설치한 어플이 사라지는 경우를 방지하기 위해서는....

      동기화하기 전에, iTunes 에 터치 아이콘에서 마우스 오른쪽 버튼 누르시고 구입항목 전송을 선택해주세요.

      그래도 가끔 전송이 안되는 경우가 있는데, USB를 뺏다가 다시 꼽고, 다시 한번 구입항목 전송을 해보세요.

      ^^

  10. BlogIcon 제로 2009.10.15 11:34

    친절한 답변 감사드립니다.
    주말에 한번 해봐야겠네요.

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