Change the way you keep your household account book

Hello.
From today I decided to change the way I keep my household account book.

Yesterday, we talked about the negative value of investment trusts managed by the dollar cost averaging method, which we have been doing for nine years.
Do you see the value of mutual funds every day?
I checked almost every day and entered it in my household account book.
I enjoyed the numbers increase and decrease.

I started the household account book in earnest eight years ago, when I took a lecture on life economics by Professor Chiho Oyabu at the Open University of Japan.

Until then, I thought that household accounts were just irritating.
However, what I was vague at that time was worried about the tuition fees of children who would enter college later.
At that time, there were almost no savings.

What I was worried about after taking classes in life economics was the Engel coefficient of my home.
At that time, I had high school and junior high school children, and food expenses gradually began to squeeze my household budget.
For the time being, let's do our best for one year, and find out how much we can live with peace of mind.
That's when the household account book started.
There were a lot of books and Excel, but I ended up using free software that I found easy to use.

The feeling of starting a household account book is the same as losing weight with the "Recording Diet," which is popular in Japan, and reduces waste.
The goal was to keep track of household spending and make budget estimates, but that was an unexpected side effect.

If you keep a household account book, you can feel the increase in assets.
And I only need to fill in the investment amount, but I started to record daily valuation gains and losses.
At first, the investment amount was small, so I was not worried about it, but as the investment amount increases year by year, it has become noise.
I'm not sure if I want to see the balance of the household or the total amount of assets.

And the corona shock was coming here.
Unrealize loss seems to suppress family finance when I confirm a household account book.
No, no.
This is not the number I want to see in the household account book.
You just want to see the relationship between income and consumption by item.
The market value of mutual funds should be available on the securities firm's website.

This fall in stock prices has been very damaging, but there are many things I've noticed.
Let's go back to the starting point and review it.