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1992-10-01
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M O N E Y C L I P
V3.0
Copyright (c) 1992 Harvey A. Dapeer
--==SHAREWARE VERSION==--
TABLE OF CONTENTS
Shareware Version .................................... i
Why Should I Register? ............................... i
License Agreement .................................... i
Warranty ............................................. 1
Program Support ...................................... 1
Installing MONEYCLIP ................................. 2
What is MONEYCLIP .................................... 3
How does MONEYCLIP manage my budget? ................. 3
The Menu System ...................................... 4
Getting Started ...................................... 5
Setting Up a Budget .................................. 5
Configure Incomes .................................... 5
Configure Accounts ................................... 6
Using MONEYCLIP ...................................... 8
Checks & Debits Entry ................................ 8
Deposits & Credits Entry ............................. 9
Memorizing Data ..................................... 10
List Debit Transactions ............................. 10
Incomes Listing ..................................... 11
Accounts Balances .................................. 11
Utilities/Configuration ............................ 12
Reports ............................................. 13
Exit Program ........................................ 13
Error Messages ...................................... 14
Special Keys ........................................ 16
Final Note .......................................... 16
MONEYCLIP Conversion Utility ........................ 17
License Agreement
MONEYCLIP is distributed as Shareware. It is not free
software, nor is it in the public domain. You are granted a
limited license to use MONEYCLIP on a trial basis. If you
want to continue using it after the trial period, you must
register with the author by sending the requested payment
along with a completed registration form.
Registration grants the user a license to use MONEYCLIP on a
single computer. If you desire to use it on two or more
machines at the same time, you must obtain a registered copy
of the program for each one. The registered version of
MONEYCLIP may not be copied (except for backup purposes) or
distributed in any manner. Vendors must obtain the
permission of the author before attempting to distribute the
Shareware version of MONEYCLIP.
Shareware Version
The Shareware version of MONEYCLIP is a fully operational
version of the program. Only a Shareware title screen has
been added. Also, a "reminder" screen will appear once in a
while as an aid in helping you to remember to register the
program if you wish to continue to use it. Your data is
safe, will not be lost, and can be used by the registered
version of the program.
You are encouraged to distribute the Shareware version of
MONEYCLIP to friends, relatives, etc. and to upload it to
public bulletin boards for others to try. The only
restriction is that the complete set of original files be
distributed. Also, no fee of any kind may be charged.
Why Should I Register?
MONEYCLIP represents many hours of time spent in an effort to
produce a usable and unique program. I have successfully
used the budgeting concept presented in this program for many
years to control my personal finances. It is my sincere
belief that MONEYCLIP can also help you control your budget.
If, after trying MONEYCLIP, you also believe it can be of
help to you, and you intend to continue to use it, please
register. The registration cost is small and will entitle
you to receive the latest version of the program, without the
annoying "Shareware" and "Please Register" screens.
Future versions of MONEYCLIP will be made available to all
registered users at a very small "update" fee.
-i-
Warranty Disclaimer
Harvey A. Dapeer makes no warranty or representation, either
express or implied, with respect to the program or documen-
tation, including their quality, performance, merchantability
or fitness for a particular purpose.
In no event will Harvey A. Dapeer be liable for direct,
indirect, special, incidental, or consequential damages
arising out of the use of or inability to use the program or
documentation, even if advised of the possibility of such
damages.
Specifically, Harvey A. Dapeer is not responsible for any
costs including, but not limited to, those incurred as result
of lost profits or revenue, loss of use of the computer
program, loss of data, the costs of recovering such programs
or data, the cost of any substitute program, claims by third
parties, or for other similar costs. In no case shall Harvey
A. Dapeer's liability exceed the amount of the registration
fee.
Program Support
Although MONEYCLIP is a very easy program to use and has been
extensively tested, an undiscovered error or difficulty may
arise that needs more information than provided in this
documentation. You may contact the author by mail at the
address on the registration form. Please include a S.A.S.E.
for a prompt reply. If you wish a faster reply, a collect
call will be placed at your request. Include your telephone
number and the best time to call with your request.
-1-
Installing MONEYCLIP
MONEYCLIP requires an IBM PC or compatible computer with at
least 640K of RAM, monochrome or color monitor and,
preferably, a hard drive. Although the program will operate
without a hard drive, execution will be much slower and data
file backup and restore features will not be available.
No matter how you received your copy of MONEYCLIP be sure you
have all the files on a floppy disk for safe keeping. Then
copy the file "MONEYCLP.EXE to a working floppy disk or to a
directory on your hard drive.
The following "SAMPLE" files may also be copied but are not
required if you don't wish to use them. They will supply you
with something to "play" with while you get familiar with the
programs operation:
$CONFIG.DAT
$ACCOUNT.BAL
$ACCOUNT.INF
DEBITS.DAT
DEBITS.IDX
CREDITS.DAT
CREDITS.IDX
All other files present on the distribution disk or archive
file are not required for the daily operation of MONEYCLIP.
If any of the above is confusing, or you don't know how to
create a disk directory, copy a file, etc. consult your DOS
manual for instructions.
-2-
What is MONEYCLIP?
First we need to state what MONEYCLIP is not. MONEYCLIP is
NOT a check register. It does not keep a running bank
account balance nor is it meant to replace the standard check
register. Instead, MONEYCLIP keeps you informed as to the
state of your personal budget by keeping track of your income
and expenses on a monthly basis. All incomes (credits) and
all expenses (debits) are recorded and computed to provide
you with an up to the minute projection of the condition of
your budget. The key word here is "projection". MONEYCLIP
projects the status of your personal budget based on your
monthly income and expenses.
How does MONEYCLIP manage my budget?
A basic budget plan is knowing how much money you will have,
how much money you will spend, and how much money, if any, is
left over. Using the information available to you from your
check register you only know how much money is available at
that moment. It doesn't inform you of how much you will need
to get through till the next payday or if there will be
enough money, after paying all your bills, to allow you to
make that purchase you're contemplating.
If you were paid a fixed amount once a month there is a very
easy way to budget your money. You could take a stack of
envelopes and label them with the names of all the bills and
expenses you will need to pay during the upcoming month.
They could be "Rent", "Utilities", "Car Payment", "Food",
etc. Then you would place the amount needed to pay each
expense into it's envelope. When all the envelopes have the
required amounts, the money, if any, left over is the
"expendable" money that you are free to spend on non-
budgeted items.
As you paid each item you would obtain the required money
from the proper envelope. At the end of the month any money
left in an envelope could be redistributed along with the new
months income and you would be ready to start over. Using
this system you would always know how much money you had
available by simply inspecting the envelopes. Any deviations
from the "budgeted" amounts is quickly observed and
corrections could be made.
While this type of budgeting is very simple, it is not
practical for most of us. First, it requires that all
payments be made in cash. This alone will eliminate the plan
in all but a few cases. Also, most of us have an income that
is spread out, in one form or another, during the month. A
weekly pay period is an example that would make the above
plan all but impossible to operate.
This is where MONEYCLIP enters the picture. MONEYCLIP
budgets your money using the "cash envelope" system described
above. Only with MONEYCLIP the "envelopes" are the program's
"accounts". MONEYCLIP has the advantage of being able to
-3-
compute the monthly income that WILL be available, even
though it is not presently there. Any variations in income
amounts and monies paid out are computed and you know at any
time just how your proposed budget is working out.
Expense items that vary in amount from month to month, such
as your utilities bill, are handled in a special manner.
First you set an average dollar amount for each of these
variable expenses. As you pay each bill, the balance, or
shortage, in the account is maintained by MONEYCLIP and is
credited or debited when you start the next month. In this
way you can budget a fixed amount of money per month for
bills that vary from month to month. You will build up a
reserve when the bill is below average and then have the
money available when the bill is above average.
MONEYCLIP was created and designed to be used in conjunction
with a checking account. However it can be used with monies
available from a shoe box hidden under your bed just as well.
Just configure the program to use any given amount of income,
available from any source, and it will budget that income
with ease and accuracy. Use the program to budget all of
your income or only a portion. It works as well either way.
A Word of CAUTION!
The fact that MONEYCLIP computes a balanced budget is not
assurance that money will be available when a bill comes
due. If the majority of bills are due toward the beginning
of a month you may find that you are always waiting for
payday to be able to make a payment. If at all possible,
try to allow for a sufficient "cushion" of available monies
so that you are not always playing catch up.
The Menu System
MONEYCLIP is entirely menu driven. To select a menu item it
is only necessary to use the up and down arrow keys to
highlight the item you desire to use and then press <Enter>
to activate it. Most menus also allow you to press the first
letter of the item to select it. The <ESC> key can be used
anywhere in the program to "escape" from what you are doing
and return to the previously displayed menu. Any on screen
data that you were in the process of entering or editing will
be thrown out and all recorded data will remain unchanged.
Whenever presented with the choice of choosing "Yes" or "No"
to a question, pressing any key, including the <Enter> key,
other than the "Y" will result in a "No" answer being
registered.
-4-
Getting Started
MONEYCLIP is a very easy program to use. However, setting it
up with your "configuration" may be somewhat confusing at
first. Since the fastest way to learn how to use MONEYCLIP
is to actually use it, a sample set of configuration and data
files have been included. These files can be used during
your "learning" period and erased when you are ready to set
up your own configuration. The files provided are:
$CONFIG.DAT - The programs configuration data
$ACCOUNT.BAL - Individual account balances
$ACCOUNT.INF - Memorized Account data
DEBITS.DAT - Data file of sample debits
DEBITS.IDX - Debits file index
CREDITS.DAT - Data file of sample credits
CREDITS.IDX - Credits file index
If you elect to use the above sample files you should go
directly to the "Using MONEYCLIP" section and start learning
how to use MONEYCLIP. When you are ready to set up your own
budget choose "Config/Data Reset" from the Utilities Menu.
All sample files will be removed. If you choose not to use
the sample files, or have just performed the above option,
you may now begin to set up your own budget configuration by
reading the following section.
Setting Up a Budget
Running MONEYCLIP the first time with or without the sample
files present is the same. Be sure you are in the proper
directory and type "MONEYCLP" (without the quotes) and press
<ENTER>. The program will start and the data files, if you
are not using the sample files, will be created. The Main
Menu will be presented. Press the down arrow key until the
cursor is highlighting the "Utilities/Configuration" option
and press <Enter>. Or you can just press the "U" key.
Either way the Utilities/Configuration Menu will appear with
"Incomes Configuration" highlighted. Press enter and you are
ready to begin the program configuration.
Configure Incomes
First choose the option "Edit Incomes Name". At least one
income source is required for MONEYCLIP to operate and up to
nine may be used. The default "Income" may be all you will
need if you have only one source of income and you don't
anticipate any additional income. Follow the prompts at the
bottom of the screen to add and/or edit names as required.
Next choose "Edit Incomes Type". The income type designation
tells the program at what time interval an income amount is
expected to be received. This "type designation" will
determine how the program computes your total monthly income.
-5-
The incomes types are:
IW - - Weekly income. The amount entered here will
be figured as money that will be received
once a week.
IB - - Bi-Weekly income. Amount is received every
two weeks.
IS - - Semi-Monthly income. Amount is received
twice a month, usually on the 1st and 15th.
IM - - Monthly income. Amount is received once a
month.
IX - - Unscheduled income. An account that is set
up to receive any other monies that may be
received. Any money credited to this type is
added to your "expendable" monies account.
(More about this account later)
Next you enter the actual dollar amounts of each income item
by selecting "Edit Incomes Amount". As you enter an amount
it is computed based on it's "type" designation and your
total monthly income is computed and displayed. An "IX" type
income would not be included in the total monthly income
computation so an amount is not required.
You can go back and edit anything that isn't right before
saving the configuration. When all is as you want select
"Save Changes & Exit" to save your configuration to disk.
Configure Accounts
Now you must configure your debit accounts (expenses) using
the same procedure as you just did to configure your incomes.
You may use up to a total of forty debit accounts with
MONEYCLIP. Note, however, that account No. 40 is pre-
configured as the "Expendable Account" and cannot be changed.
The "Expendable Account" is the amount of your total income
that will be available after all of your budgeted expenses
are paid. Only twenty accounts are displayed at a time. As
you input your information the screen display will cycle as
required to allow you to use all forty accounts.
The Account Types available are:
EF - - A fixed expense. A expense with a fixed
monthly payment such as a house payment, car
payment, etc.
EV - - A variable expense. This is an expense that
varies from month to month. Examples are
your phone bill, electric bill, etc.
-6-
EW - - A weekly expense. Use this type for fixed
amounts that you will use on a weekly basis.
This is money that will be used each and
every week for a planned expenditure. An
example would be "pocket money" for the
week.
EX - - Expendable Sub-Account. Any expenditure
made to this type account will be debited
(subtracted from) the "Expendable Account".
An "EX" account allows you to keep a
separate accounting of items that are paid
once in a while but do not occur regularly
enough to require an amount of money to be
budgeted for them.
The use of "Weekly" (IW) type accounts requires some
additional explanation. When the budgeted amount for a
weekly account is computed, the total amount deducted for the
month is a monthly average based on fifty-two weeks a year.
It is best, therefore, that a weekly amount be deducted on
the same day each week. Depending on whether that day comes
four or five times in a month your "IW" type account balance
at the end of a month may have either a negative or positive
balance. DO NOT change this amount. Over a period of a year
the budgeted amount will average out and your budget will be
kept on track.
It is very important that the weekly amount be deducted no
more than once each week. If you must take an additional
amount of money one week, take it from the "Expendable"
account. If you use a "IW" type account properly, it becomes
a very useful and powerful budgeting aid.
The use of MONEYCLIP requires, just like any other budgeting
tool, some degree of discipline. No budget plan will work
without your diligence and cooperation.
After all account names and types are entered you must enter
the amount of money to be apportioned to each one. Enter the
exact payment for each of your fixed, "EF" type accounts.
For each variable, "EV" type accounts you must determine an
average amount based on previous monthly charges for that
item. Try to base the average on a full year if the item is
a bill that varies greatly. An example is your gas or
electric bill which will vary according to the season of the
year. You may edit this amount at a later date if necessary.
"EX" type accounts do not require an amount since they are
not a regular monthly or weekly expense.
After all amounts are entered look at the "Expendable
Account" balance at the bottom of the list. This is the
amount of money, based on your income and budgeted expenses,
that will be available each month for all non-budgeted
expenditures, including all "EX" account items. MONEYCLIP
will not allow you to configure a budget that results in a
negative "Expendable Account" balance.
-7-
Don't forget to create an account for the portion of your
income that you will put into your savings each month. This
should be an "EF", fixed type, account. Also a "Misc.", type
"EV", account may be created for some of the little things
that you may not want to categorize.
When all is correct save the configuration as you did from
the incomes menu. You may now "Exit" from the configuration
menu and begin using MONEYCLIP. The other options available
at this menu will be discussed later.
Using MONEYCLIP
You are now ready to start using MONEYCLIP. If you have just
finished configuring MONEYCLIP select "Return to Main Menu"
from the configuration menu. Otherwise start MONEYCLIP by
moving to the proper directory, or by inserting the program
disk, if you are running off of a floppy drive, and typing
"MONEYCLP" (without quotes) and pressing <Enter>.
The MONEYCLIP program will load and you will be presented
with the main menu. Choose "Accounts Balances" and then the
"Begin New Month" option. You will be asked if you want to
start a new month. Answer yes and funds will be put in each
of your debit accounts according to the amounts you just set.
At this point you may wish to select the "Edit Accounts"
option. If you are not starting to use MONEYCLIP at the
beginning of a month you may want to edit some of the
balances to reflect any debits that may have already been
paid.
Also, the first time you use the program, you may wish to
edit the "Expendable Account" balance. Any amount of money
that you already have available for non-budgeted items can be
added to the "Expendable Account" balance at this time.
IMPORTANT: MONEYCLIP computes your finances based on the
premise that enough of your monthly income will be present at
any given time to allow your bills to be paid. If possible,
leave a "cushion" in your back account to prevent the
possibility of a bill becoming due before the apportioned
funds are available.
The Main Menu
Checks & Debits Entry
From this option you enter information about all monies that
are paid out and are part of your budget. If the expense was
paid by check it's number may be entered in the first field.
Otherwise you may use any four characters you wish or just
press <Enter> to use the default notation "....". Next the
date of the debit is entered. Pressing <Enter> will place
the default date, which at this point is the system date, in
this field. If you wish to enter another date, just enter it
in the form MM/DD. Once a date is entered it becomes the
-8-
default date and will be used as such during the rest of the
present work session or until a new date is entered.
Next, information about the debit, including the dollar
amount is entered. The final field asks for the account
number to debit. Enter an active account number from the on
screen list. If you have configured more that twenty
accounts you will have to press <F2> to toggle the display.
When the debit is saved to disk the amount will be deducted
from the balance for that account and a new balance
displayed. If no account number is entered the default
account #40, the Expendable Account, is used. After all
information is entered and checked press <F10> to save to
disk. When all debits have been entered press <ESC> to
return to the Main Menu.
C A U T I O N ! Never turn your computer off without first
returning to the Main Menu. Doing so may
cause your data to be lost!
Deposits & Credits Entry
All credits that are to become part of your budgeted funds
must be entered into the MONEYCLIP program database. The
amounts set up during configuration are used to compute each
months income even if the amounts are not actually entered.
However, if income amount varies from what was configured or
an "IX" type is used, it must be entered into the program so
that it can be computed as part of your budget. If either of
the two above situations occurs the difference between what
was configured ("0" for an IX account) and what is actually
entered will be added to or subtracted from the "Expendable
Account" to reflect the change in monies available. To
illustrate this consider the following:
You have configured MONEYCLIP incomes area to have one
income of $500.00 per week. This computes to a monthly
income total of $2,166.67. Let's say that after all budgeted
expenses have been deducted you have a monthly expendable
amount of $250.00 a month, which is shown as the "Expendable
Account" balance. Now, instead of the weekly amount of
$500.00, the first income entered into the program includes a
bonus of $50.00. When you enter the credit for $550.00, the
extra $50.00 is added to the "Expendable Account", making the
expendable balance $300.00. By the same token a deficit in a
credit will be deducted from the "Expendable Account". All
amounts entered as a credit to a "IX" type account are always
added to the "Expendable Account".
As you can see, a credit entry MUST be made for each time
interval as per your configuration. A weekly (IW) account
must have one entry each week, a bi-weekly (IB) account must
have one entry every two weeks, etc. Even if a period has
zero income (a week off without pay for example) you must
make an appropriate entry, .01 (zero cannot be used) in this
case, for the period. The whole integrity of you budget
program depends on timely entries being made when expected.
-9-
Memorizing Data
As you type in data while entering debits and credits you may
want to "memorize" the data for faster entry the next time
the account is used. Pressing <F6> while the input screen is
displayed will memorize the entered information. Only one
recording for each account number is allowed and should not
be attempted until after the account number field has been
filled in. You can then recall the information the next time
it is needed. After entering the date (or leave the date
field blank to use the default date) just press the <F9> key
and cursor will move to the account number field. Enter the
proper account number and press <F10>. The blank fields will
be filled in with any memorized data for that account number
and the entry is saved. Press <ENTER> instead of <F10> if
you need to edit some data before saving.
List Debit Transactions
Selecting this option will display a sub-menu with the
following options:
All Transactions - Lists all debits, one screen at a time
starting with the most recent entries.
Pressing <F5> allows you to select a
debit line to be edited or deleted. You
may <Pg Up> or <Pg Dn> to move a screen
at a time thru the file. <Home> and
<End> will take you to the beginning and
end of the file.
To display debits (or credits) for a
particular month just press 1 thru 9, A,
B, or C, representing the respective
month, and that month will be displayed
starting with the first entry found.
Debits to....? - - Lists all debits for a specified account
starting at the beginning of the file.
Search For....? - - Allows you to enter a word or words to
search for in the "Payee" and/or "Item"
field and lists all matches.
When "All Transactions" is chosen you have the option of
editing or deleting any debit for the current month.
Pressing <F5> will place the cursor bar on the last debit
entry displayed. You may select it or any other displayed
debit by pressing <ENTER> while it is highlighted. Pressing
<DEL>, rather than <ENTER> will delete the selected item.
When editing, an input screen, similar to the one used to
input debits, is displayed. You may edit any field of the
item and press <F10> to accept the changes or <ESC> to return
to the list debits menu without saving any changes. Once a
new month is started, however, no previous month's debit (or
credit) may be edited or deleted. It will be necessary to
enter a new credit or debit notation if any adjustments are
-10-
required. Audit notations can neither be edited nor deleted.
Be aware that if you do choose to edit one or more fields of
a debit record any change in the account number or dollar
amount will be reflected in an appropriate change in account
balances. For example, if the account number is changed from
#5 to #2, then account #5's balance will be credited with the
dollar amount of the item and account #2's balance will be
debited by a like amount. If the item is deleted the dollar
amount of the item will be returned to the proper previously
debited account. The account balance listing will reflect
the changes you just made.
Incomes Listing
This option will list all credits one screen at a time in the
same manner as described above for debits. All editing and
deleting information for the listing of debits also applies
to the credits listing.
Accounts Balances
A list of all active Account Balances will be displayed along
with the following sub-menu options:
Transfer Money - - Allows you to move money from one account
to another. You may want to do this to
equalize small variances rather than
changing the budgeted amount. Audit
trail entries are maintained and dated as
per the on screen "Transfer Date". When
reports are printed this date determines
into which month's report the transfer is
entered. If a transfer is performed for
a month that just ended, you must date
the transfer in the ended month. Once
you "close out" a month transfers can no
longer be dated in that month.
Note: Only one transfer may be performed
during any one visit to this menu.
It will be necessary to select the
option a second time to make an
additional transfer.
Edit Acct Balance - Allows you to edit the balance for any
active account without effecting any
other account. When editing, no
computations are made and no audit trail
is created. Use this option very
carefully as it can destroy the integrity
of your account balances.
Begin New Month - - Choosing this option will add the
apportioned dollar amount to each debit
account. Any balance or deficit already
-11-
in the account will be totaled when the
amounts are dispersed. Audit trail
entries are created recording the state
of your budget at month's end. This
action is taken only once during a month
and must be performed before any entries
can be made for the new month. Once you
"Begin New Month" the previous month is
"closed out" and no further editing or
deleting of records for that month is
allowed. If an error is made you can
"Un-Begin" a month from the Utility/
Configure Menu.
Cancel Changes - - Cancels all changes that were just made
and returns account balances to their
former values.
Save Changes - - - Saves all account information, as shown,
and exits to the main menu.
Utilities/Configuration
Configuration was described earlier in this documentation.
You may, of course, edit the configuration at any time.
However, be cognizant of the result of such changes when made
after program initiation. The other options available from
this menu are:
Config... Reset - - A DRASTIC action! Removes ALL data files
and configuration. Use this option to
remove the sample files when you are
ready to start your own configuration, or
any time you wish to start ALL over.
Switch Display - - Switch from Mono to Color or back again.
Un-Begin Month - - Will reverse the "Begin New Month" option
and delete the audit notations at the
start of a new month. However, if any
debit entries have been made for the
new month, they will have to be deleted
before the month can be begun again.
Get Files.... - - - If you keep a backup copy of your data
files this option will restore your files
from the disk in Drive A: to the default
drive. All data files are restored,
including your configuration. If you are
running MONEYCLIP from a floppy this
option is unavailable.
-12-
End of Year - - - - Choose this option at the end of each
year. The present years data files will
be saved to Drive A: and new empty files
are set up ready for the new year. Your
present configuration will remain intact
and all accounts balances are carried
over to the new year. If you are running
MONEYCLIP from a floppy this option is
unavailable.
New Wrkg Date - - - Use this option to change MONEYCLIP's
working date. You might use this option
if your system's date is incorrect.
Reports
Choosing this option presents a menu with the option to print
either of two reports to your printer:
Monthly Budget - - Compiles and prints a report based on the
activity during a selected month. The
report shows all account activities and
compares your expenditures with your
proposed budget amounts. If you started
using MONEYCLIP in the middle of the
month the first month's report will be
somewhat meaningless.
Individual Acct. - Prints a report of all activity for an
individual account from the beginning of
your files to the present.
Note: Additional reports are planned for
future versions of MONEYCLIP.
The "Monthly Budget Report" should be run right after you
"Begin New Month". Reports are generated using the present
configuration as a guide. If you are running a monthly
report for a previously closed out month, and a change in the
program configuration has been made, the printed report may
be somewhat misleading for those items that have been
changed.
Exit Program
Choose this option to exit the program and return to DOS.
You will be asked if you want to make a backup of all working
files before exiting. If you answer "yes" all data files
used by MONEYCLIP will be copied to Drive A. Be sure you
have a suitable disk inserted in Drive A: before selecting
this option. If you are running from a floppy the backup
option is unavailable.
-13-
Error Messages
As you use MONEYCLIP you may encounter one or more of the
following error messages. Here are explanations of what they
mean:
A Month past (month) has begun
You are attempting to "Un-begin" a month that has been
closed out. Only a month that was just begun can be
"Un-Begun".
Credits and/or Transfers exist
A month cannot be "Un-Begun" if credit or transfer
notations for that month exist in the debits listing.
CREDITS.DAT file does not exist
The file CREDITS.DAT can not be located. Either copy
the file from a backup to the working directory or use
"Get Files from Drive A:" to restore all files from a
backup disk.
Data for previous version found
You have not converted your old data files from a
previous version of MONEYCLIP. Run "$CONVERT.EXE"
before attempting to use MONEYCLIP v3.0.
DEBITS.DAT file does not exist
See "CREDITS.DAT File Does Not Exist" above.
Drive A: is not ready
While trying to read from or write to the floppy disk
in drive A: an error has occurred. Check to see that
a formatted disk with enough room in drive A: and that
it is not write-protected.
Expenses would exceed your income
While editing configuration an entry was made that
would result in the "Expendable Account" balance
going negative. This condition is not allowed.
Nothing to report
A report has been requested for a month for which
data does not exist.
One or more files missing
One or more of the required file could not be found.
You must find and replace the missing file or use a
backup disk to "Get Files From Drive A:".
-14-
Printer not ready
Your printer is not ready to print due to not being
turned on, off line, out of paper, etc.
The Month cannot be edited
The month portion of a date of an entry cannot be
edited once the entry has been saved to disk.
This item can no longer be edited
You cannot edit or delete an item after the month in
which it was written has been "closed out". If a
correction is necessary make a separate debit or
credit entry in the current month to compensate.
This item cannot be edited
Only debits and credits can be edited or deleted. An
audit entry, transfer notation, etc. cannot be edited
or deleted.
This month has been closed out
An entry cannot be made into a month that has been
closed out. Make a new debit or credit entry into the
current month to compensate.
This month has not been begun
You must "Begin New Month" for a new month before any
entries can be made in that month. Select "Begin New
Month" from the Account Balances Menu.
You cannot begin (month) again
You cannot begin a new month while the program's
working date is within the month just ending.
You have not begun (month)
You cannot "Un-Begin" before "Beginning" a month.
You must end year after December
After the month of December is completed a new year
must be started. Choose the "End of Year" option from
the Utilities Menu.
If you are running MONEYCLIP from a floppy disk you do not
have access to the "End of Year" option. Run MONEYCLP.EXE,
by itself, from a new disk. Than replace the $CONFIG.DAT and
$ACCOUNT.INF with the same files from your last year's disk.
In order to carry over last year's account balances it will
be necessary to enter them in manually by selecting "Account
Balances" from the Main Menu and going to "Edit Balances".
-15-
Special Keys
<F2> - - - Toggles display of accounts if greater than 20
have been configured.
<F5> - - - Select edit mode when listing debits & credits.
<F6> - - - Memorize on screen data at debit & credit entry.
<F8> - - - Increment debit ID number by the value of one.
<F9> - - - Skip to account number field while entering
debits and credits.
<F10> - - Save data to disk.
<ESC> - - Quit action, discard changes & go to previous
menu or activity.
<PgDn> - - Display next page of data at listing of debits
or credits.
<PgUp> - - Display previous page of data at listings.
<HOME> - - Go to top of file while viewing listings.
<END> - - Go to end of file while viewing listings.
Final Note
MONEYCLIP was designed for the average individual of modest
means. The largest dollar amount that MONEYCLIP will allow
to be computed is $9,999.99. If you have a need to deal with
dollar amounts greater than this limit perhaps you need an
accounting program rather than a simple budget manager like
MONEYCLIP. There are many such programs available that I am
sure will fill your needs.
Other program limitations
Total number of Debit Accounts - - - - - - - 40
Total number of Credit Accounts - - - - - - 9
Max Debit entries allowed per year - - - - - 2000
Max Credit entries allowed per year - - - - 500
-16-
MONEYCLIP Files Conversion Utility
If you wish to use files created by a version of Moneyclip
prior to version 3.0 it will be necessary to convert your
files to the expanded format. A conversion utility program,
"$CONVERT.EXE" has been included for this purpose.
PLEASE NOTE! Be sure to read the following instructions in
their entirety before attempting the conversion. The final
integrity of you data files depends on it!
"Just in case", make a backup copy of the following files and
put it aside. Then if something goes wrong while you are
converting the files you will not lose your data.
ACCOUNTS.BAL
CONFIG.DAT
CREDITS.DAT
CREDITS.IDX (if it exists)
DEBITS.DAT
DEBITS.IDX (if it exists)
Copy "$CONVERT.EXE" to the drive and/or directory containing
the above files. Be sure you are in the proper directory and
type "$CONVERT" (without quotes) and press <ENTER>.
A menu with the following options will be displayed:
Convert v1.x to v3.0 - - - Converts files created by any
version One release of MONEYCLIP.
Convert v2.x to v3.0 - - - Converts files created by any
version Two release of MONEYCLIP.
Reassign Acct Numbers - - Since version 3.0 of MONEYCLIP is
capable of utilizing up to forty
accounts, you may wish to change
the account numbers that were set
up with your previous version to
correspond to a new numbering
scheme. Doing so, however, will
corrupt your debits data file in
that the old entries' account
numbers will not correspond to
your new entries. Changing the
account numbers is not, by any
means, required. You can just add
new accounts, if any, to the end
of the list of accounts, thus
eliminating the need to make any
changes. However, if you decide
to change them this option will
allow you to change all old data
file account number notations to
match the new numbering scheme.
-17-
Only the old data files are
changed. You will need to make
the changes to the program's
configuration in the normal
manner.
CAUTION: Perform this action ONLY
one time! Additional use WILL
corrupt your data. Also, it must
be done before the next menu
option is selected.
Delete Unused Files - - - Removes the old data files that
are no longer needed by MONEYCLIP.
Do not perform this function until
all other use of this conversion
utility is accomplished.
After performing the selected steps to convert your files
replace the old version of "MONEYCLP.EXE" with the new one.
You are now ready to use MONEYCLIP Version 3.0. If you chose
to change the account numbers of your old data files the
following steps MUST be performed:
1. Select "Account Balances" from the main menu to display
the account balances and make a list, on paper, of the
account names and balance amounts. An easier way is to
turn on your printer and press <Print Screen>.
2. Go to the Utility/Configure menu and re-configure your
accounts, adding any new ones desired. Be sure the
account numbers correspond to the numbers you changed
during the use of the conversion utility program.
3. Now go back to the main menu and choose "Accounts
Balances". Select "Edit Balances" and change the account
balances of each of your old accounts to match the list
you made in step #1. This is necessary because the
program records the balances of accounts based on the
account number, not it's name. Be sure to check any new
accounts you created to be sure that their account balance
is correct.
After making this change the first Monthly Report you
print may be somewhat meaningless.
-18-
S H A R E W A R E R E G I S T R A T I O N F O R M
-------------------------------------------------------
MONEYCLIP v3.0
Please send the following:
______ Copies MONEYCLIP (latest version) at $12.50 ea.
(Available ONLY on 5 1/4", 360K diskette)
NAME ____________________________________________________
ADDRESS _________________________________________________
CITY ____________________________________________________
STATE _________ ZIP ____________________________________
I obtained my Shareware copy of MONEYCLIP from:
______________________________________________
Mail this form along with the required payment to:
Harvey A. Dapeer
14018 Syracuse
San Antonio TX 78249
-------------------------------------------------------------
- - = = Thank You For Your Support = = - -
Comments: ___________________________________________________
_____________________________________________________________
_____________________________________________________________
_____________________________________________________________
