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2026年个人记账模板|Excel记账

  • 2026-04-05 15:11:26
2026年个人记账模板|Excel记账

（我的2025年记账成果）

各位朋友好！欢迎来到2026年，照例给大家带来我的Excel记账模板。熟手可以直接到文末下载使用。新用户还请在看完⌈2025年个人记账模⌋篇的说明介绍后再开始自己的Excel记账初尝试。

本次主要更新：1.校正公式和提示批注。

2.解除单元格限制条件报错问题。

3.优化购物统计图等数据透视表。

对于购物表的数据统计图，如因新增分类无法正常显示，请点击分类按钮，手动勾选分类。

对大部分人来说，记账好像是一件很难坚持的任务，因为繁琐，也因为有限的结余。刚开始记账时，总忍不住要做假账，把这笔花销挪到下个月，把买的大额商品分摊到未来几个月的账单……但依据我的个人经验来看，“下个月少花点”是个伪命题，这个月做了假账，下个月也会做假账的。做假账并不能改善财务状况，反而容易形成不良惯性，让记账的信心在滚雪球中破产。个人记账，或者说个人财务管理，唯一的检视人是自身，归根到底，关键在于诚实地面对自己。

当然，有限的月结余、缓慢增长的存款进度难免让人感到挫败，但光盯着不足之处，只会让人对生活更加沮丧无望。改变现状非一朝一夕之功，过分苛责自己并无益于进步。比较这个事情是没有尽头的，不如先专注于让自己的生活体系相对稳定地正向循环起来，逐步积累力量和心态，不要轻易被生活的意外和挫折打倒。哪怕是每个月只存下几百一千，一个正向滚动的雪球，在时间长河里自会给出你期望的答案。

最后——

祝大家在新的一年里，财运亨通，万事胜意！

/END/

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  139. /yingpanguazai/ssd/ssd1/www/h.sjds.net/runtime/temp/ad153693ed39fba6d1bda2fe72512cde.php ( 12.06 KB )
  140. /yingpanguazai/ssd/ssd1/www/h.sjds.net/vendor/topthink/think-trace/src/Html.php ( 4.42 KB )
  1. CONNECT:[ UseTime:0.000660s ] mysql:host=127.0.0.1;port=3306;dbname=h_sjds;charset=utf8mb4
  2. SHOW FULL COLUMNS FROM `fenlei` [ RunTime:0.000578s ]
  3. SELECT * FROM `fenlei` WHERE `fid` = 0 [ RunTime:0.100653s ]
  4. SELECT * FROM `fenlei` WHERE `fid` = 63 [ RunTime:0.100641s ]
  5. SHOW FULL COLUMNS FROM `set` [ RunTime:0.000633s ]
  6. SELECT * FROM `set` [ RunTime:0.100583s ]
  7. SHOW FULL COLUMNS FROM `article` [ RunTime:0.001118s ]
  8. SELECT * FROM `article` WHERE `id` = 458054 LIMIT 1 [ RunTime:0.100828s ]
  9. UPDATE `article` SET `lasttime` = 1777109097 WHERE `id` = 458054 [ RunTime:0.282062s ]
  10. SELECT * FROM `fenlei` WHERE `id` = 65 LIMIT 1 [ RunTime:0.100686s ]
  11. SELECT * FROM `article` WHERE `id` < 458054 ORDER BY `id` DESC LIMIT 1 [ RunTime:0.100800s ]
  12. SELECT * FROM `article` WHERE `id` > 458054 ORDER BY `id` ASC LIMIT 1 [ RunTime:0.048168s ]
  13. SELECT * FROM `article` WHERE `id` < 458054 ORDER BY `id` DESC LIMIT 10 [ RunTime:0.034375s ]
  14. SELECT * FROM `article` WHERE `id` < 458054 ORDER BY `id` DESC LIMIT 10,10 [ RunTime:0.018191s ]
  15. SELECT * FROM `article` WHERE `id` < 458054 ORDER BY `id` DESC LIMIT 20,10 [ RunTime:0.014119s ]
1.100852s