家計簿初心者に贈るレシート管理の急所!

どうも、しんのすけでございやす。

前回の記事で、家計簿における効果的な分析方法をご紹介致しました。

その中で触れつつも解説できなかったレシートの管理方法について詳細ご説明したいと思います。

突然ですが、レシートの管理で困っていませんか?

領収書やレシートって、いつもぐちゃぐちゃになってしまいがちですよね。

もらっても、くしゃくしゃにしてゴミ箱に捨てているという方も結構多いのではないかと思います。

フリーランスにとってレシートは金券

フリーランスから見たらレシート(領収書)は、実は金券なのです!

いつもゴミ箱に捨ててる?そんな!モッタイナイ!

確定申告の時期に、経費として計上することで、節税することができます。少なく見積もってもレシート記載の金額の15%分は価値があります。

いつもなんとなくもらってたあのレシートが、毎回15%以上のキャッシュバックの金券だったなんて。PayPayもびっくりです!

え?どういうこと?

本題と違うので詳述は避けますが、例えば10万円のパソコンを買って、経費が10万円増えます。そうすると10万円分の利益が減って、所得税5%+住民税10%のとき、1.5万円税金が安くなります。さらに言えば国民健康保険は所得に応じて掛け金も減るので、実際には15%以上の価値が、そのレシートにはあると言えるのです。

アレコレ試した

レシート管理の重要性がわかったところで、管理術についてですが、私も若いときからいろんな方法を試してきました。

  • ノートにペタペタ貼る
  • プリンタ用紙にペタペタ貼る
  • スキャナーでPDF化する
  • スマホで撮影する

どれもしっくりこないと思いながら取り組んでいたのですが、ひとえにどれもいちいち手間がかかって嫌になる。というのが問題でした。

そんなわけで前置きが長くなりましたが、試行錯誤しつつ自分で編み出した方法を以下にご紹介します。

レシート管理ファイルの作り方

まず管理用のファイルを自作します。

準備

まず以下のものをご用意ください。

  • A4サイズの2リング式ファイル
  • 穴あけパンチ
  • 角形3号(B5サイズ)の封筒を12枚
  • タックシール

どれも100円均一などで手に入るものです。
全然厳格なものではないので、すでに適当な代用品がご家庭にある方はそれをそのままお使いください。

封筒に穴をあける


12枚の封筒にパンチで穴を空けます
さらに「2019年1月」から「2019年12月」までそれぞれ年月を記載します。

ファイリング


ご察しの通り、12枚の封筒をファイルのリングに通します。

シールでラベリング


タックシールを貼って、わかるように「レシート2019」など名前を書いて完成です。
業務であれば、テプラのようなラベルプリンターを使ったりするんでしょうが、所詮は家用なのでそこまでやらんでもええかなーと思います。

これで準備は整いました。

これだけでOK!楽ちんなレシート管理術

では私が普段から行っているレシート管理の方法についてご紹介します。

財布からレシート


財布にレシートが溜まってきたら、おもむろにレシートを取り出して....

その月の封筒にポイッ


ポイッと入れるだけ。

以上、これだけです。楽ちんでしょ?

少なくとも月初には、先月分のレシートを入れるようにしています。

運用方法について補足説明

レシートを家計簿につけるタイミング

私の場合、慣れるまでは毎月末にレシートを打ち込んで、家計簿をつけてましたが、慣れてくると食費や日用品代に月ごとの大きな変化が無いことに気づきました

自分自身の支出の相場感を得られたら、1円単位でカリカリせず、ある程度の幅を持たせて考えるように切り替えましたので、現在ではいちいちレシートを打ち込まなくてもよくなりました

大きめの買い物や、お酒の席に参加した時だけ、スプレッドシートにメモすることで十分管理できています。

旅行について

旅行をして、財布のひもがゆるみ、旅先でいろんな出費があった時は、その期間のレシートだけわかりやすいようにホッチキス(ステープラー)で、パチッと止めてまとめてます。

確定申告

ただし自営業者の場合、1円単位できちんとすべきタイミングが年に一回あります。

そう!みんな大好き、確定申告の時期です。(笑

そのタイミングでは事業の経費としてかかった領収書・レシート・伝票の類をきちんとクラウド会計ソフトに打ち込んでいきます。既に月別に別れているので、打ち込みやすいです。

私の場合はそこまで量が多くないのもあって、一年分まとめて入力しても3〜4時間の作業で済ませられます。
物販など、別の商売をされていない限りは、フリーランスにほぼ「仕入れ」は無いのでおんなじようなもんだと思います。(フリーランスエンジニアの青色申告書はすごくシンプルです。)

クリアポケットはダメ

100均に売っているクリアポケットのファイルを使わない理由は、クリアポケットだとフタがついていないので逆さに持つとレシートが大量に落ちます。あと中が透けて見えてどうしても汚くなります。茶封筒は見栄えも良くそれ自体にメモが書けるというメリットもありますね。(以前は集計した結果を茶封筒に直接手書きしたりしてました。)

保管しなければならない期間

個人事業主の方は、レシートを7年間保管しなければならいという保存義務が法律で定まってます。しかも紙で。スキャナーで電子化したものはダメです。
そういう意味でも上記の方法は理にかなったやり方だと考えています。

私の家の押入れには、年別に2穴リングファイルがたくさん眠っています。

まとめ

帳簿や家計簿をつけられる方は、常にぐちゃぐちゃになるレシート対策をどうするか、皆さんいろいろな方法で対処されておられると思いますが、今回は私なりの解決策を一つご提示させていただきました。

もし良さそうであれば、このレシート管理術を是非お試しください。
もっといい方法があるよーという方は教えてください。よろしくお願いします。

 

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