Cashculator — Personal Finance 4+

請問如何區別使用信用卡或是現金付款

有些支出是使用信用卡付款（在其他類別填寫），但是信用卡帳單又是一個支出項目，會涵蓋到原本填寫的支出金額

是否在支出類別能夠選定支付方式（可能還需要分期扣款的選項）才能計算出實際支出，謝謝！

開發者回覆 ，

Hi

该答复的中文是用软件从英文翻译过来的，所以请原谅我翻译中可能存在的不准确之处。英文的原始回复在翻译后的下方。

你好。

的确，在Cashculator中如何处理信用卡交易还没有定义。我们正计划写一些可能的想法和指南，但很多时候要看你，也就是客户，想从应用程序中得到什么。

如果精确跟踪现金入账日期很重要，而钱确实只有在你的信用卡付款结束后才会出来，所以你可能想把赊购的日期设置为信用卡付款的日期。那么你也就不需要为信用卡付款本身单独设置交易了。

另一方面，如果你喜欢精确跟踪你买东西的时间，你可以把日期设置为购买日期，但这样现金流就不会100%准确。

你还可以选择有不同的计划交易和实际交易。因此，对于计划交易，你可以使用购买日期（使用计划交易，你也可以创建经常性支出，所以它的行为就像分期付款。如果你购买的是600元，你分6次支付，你可以在6个月内每月创建100元的计划交易。我们确实计划在未来的版本中使输入分期付款更容易，以便它自动计算金额）。然后，虽然你的计划反映了实际的购买日期，但你可以决定不把这些计划交易自动转换为实际交易（取消勾选计划交易对话框中的correcpoding复选框），只输入一笔实际交易来支付信用卡。然后，回顾过去，你会有精确的现金流，但展望未来，它将是估计的，因为日期会有一些偏差。但是，如果你计划对未来很长一段时间进行预测，那么在计划交易和实际支付给信用卡之间的这些不到一个月的延迟并不重要，因为金额应该是一样的。

我希望我的回答能帮助你了解如何用信用卡使用Cashculator。如果你有其他问题，不要犹豫，请提出。​
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Hello,

Indeed, it's not defined how to handle credit card transactions in Cashculator. We are planning to write some possible ideas and guidelines on how to do that but a lot of it comes down to what you, the customer, wants from the application.

If precise tracking of cash in dates is important, and money indeed only comes out when your credit card payment comes off, so you may want to set the date of credit purchases to the dates of the credit card payment. Then you also don't need to have a separate transaction for the credit card payment itself.

On the other hand, if you prefer to have precise tracking for when you bought something, you can set the dates to the purchase dates but then the cash flow will not be 100% accurate.

You also have the option of having different plan and actual transactions. So for the plan transaction you could use the dates of the purchase (and using a plan transaction you can also create recurring expenses, so it behaves like instalments. If your purchase is for 600 and you pay in 6 instalments, you can create a plan transaction of 100 each month for 6 months. We do plan to make entering instalments easier in a future version so that it automatically calculates the amounts). Then while your plan reflects the actual dates of purchase, you can decide not to convert these plan transactions into actual transactions automatically (uncheck the correcpoding checkbox in the plan transaction dialog) and only enter one actual transaction for the payment of the credit card. Then, looking back, you'll have precise cash flow but looking forward it will be estimated since the dates will be a little off. But if you're planning your forecasting a long time into the future, then these delays of less than a month, between planned transaction and the actual payment to credit card, is not important since the amounts should be the same.

I hope my reply helps you to understand how you can use Cashculator with credit cards. If you have additional questions, don't hesitate to ask.

Best,
Jacob

Apparent Software