Tuesday, August 6, 2013

Question: Accounting basics- Explain basic account and relate it to the reader’s personal finances.



Accounting

Accounting is one of the basic courses for business students and each and every business student has to know about basics of accounting. But even today people misunderstand accounting as being a field which has something to do with numbers only. But the definition of accounting also includes something out of recording transaction and calculating profit for a business. Actually accounting is a long process which starts from recording each and every transaction and ends with submitting a complete accounting report for any specific time period to the management of an organization. The main objective of accounting is to provide information to the higher authority of a business to help them make correct decisions based on information given.

Accounting Basics

Following are few accounting basics that you should know as a business owner or business student-

Accounting Process

Accounting process or accounting cycle has a total of eight stages which flow sequentially. Following are the stages-
1. Identifying transactions from all business events. Only events that consist of some money exchange are regarded as transactions.
2. Recoding transactions into Journal entries. According to double entry bookkeeping system, every transaction affects at least two accounts; one debit and one credit.
3. Making Ledgers for each and every account from journal entries.
4. Creating preliminary Trial Balance from Ledgers to check errors.
5. Making adjustment journal entries and ledgers for transactions which were not included before.
6. Creating an Adjusted Trial Balance from adjusted transactions.
7. Making financial statements like Income Statement, Balance Sheet, Stockholders' Equity Statement, Cash flow statement Etc. based on Adjusted Trial Balance.
8.  Making accounting report for an accounting period and presenting that to the management.

Accounting Vs. Bookkeeping

People sometimes use both these words interchangeably. But they are not the same. Bookkeeping is just a part of Accounting which is to record financial transactions. But accounting is a long process of recording transactions, making financial statements and making and presenting financial report. So, bookkeeping is only a part of Accounting.

Financial Statements

In Accounting, there are a total of four financial statements; Income Statement, Balance Sheet, Cash Flow Statement and Stockholders' Equity Statement.
Following are brief descriptions of these financial statements-

Income Statement: 

Income Statement is one of the main statements of a business. The main purpose of preparing this statement is to know profitability of a business. An income statement is always made for specific time period. There are two sides of an income statement; Expenses and revenues. If revenue is more than expenses, its balance is net income. But if expense is more than revenue, its balance is net loss.

Balance Sheet: 

Balance Sheet is made based on basic accounting equation that is-
Assets= Liabilities+ Owner’s Equity
A Balance Sheet tells about the company’s position on a certain date. You can find company’s total assets, total liabilities and owner’s equity. Like income statement, Balance Sheet too has two sides. We can see in the above equation that Assets are on one side and liabilities and owner’s equity on the other.

Cash Flow Statement:  

Cash Flow Statement is prepared to know the amount of cash in hand in a business. It tells you about uses and sources of cash during a specific accounting period. Again, it gives some important information about firm’s investing and financing activities in that period.  There are two types of accounting basis; Accrual Accounting and Cash Accounting. In Accrual Accounting both cash and on account transactions are counted. But in cash based accounting only transactions with exchange of cash are counted. Cash flow statement is made using cash based accounting.

Owner’s Equity Statement: 

Owner’s Equity Statement shows the portion of total assets of the company that the owner/s own/s. Basically deduction of total liability from the assets gives the amount that owners own.
Each and every business needs accounting for its smooth operation. Businesses need to know about accounting, basic accounting cycle and prepare financial statements to check its profitability and financial position.

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