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== P C - M O N E Y ==
A Personal Finance Program from
KEITH CONSULTING
3435 Mansfield Road
Falls Church, Virginia 22041
O P E R A T I O N S M A N U A L
Copyright 1985 Keith Consulting
P C - M O N E Y O P E R A T I O N S M A N U A L
Page 1
I. GENERAL DESCRIPTION.
PC-MONEY is a program designed to assist the computer operator in
maintaining personal and family financial and tax records. It is also the
basic program for other financial modules from KEITH CONSULTING, and thus
contains the MAIN MENU which "calls" these modules when they are avail-
able. PC-MONEY makes it possible to keep records on as many as 9 bank ac-
counts. It also maintains an annual Tax Account which includes up to 44
categories for easy compilation of like items for income tax estimating or
preparation. Entries such as checks or deposits that affect both a bank
account and your tax account are made in a single entry. Bank and Tax
records can be displayed (and printed) a number of different ways. All
operations are selected by menus that are easy to use. All account data
is entered via fill-in forms with editing capabilities.
PC-MONEY is written in PASCAL for IBM-PC and compatible computers
with DOS 2.0 or later Disk Operating System. Only 64K of random access
memory and one disk drive are required, although it will be more conven-
ient if two drives are available.
KEITH CONSULTING is a user-supported organization. It licenses this
and other programs for personal use. It encourages copying of its pro-
grams for trial use by other users. If you obtained this program from an-
other user, a contribution of $25 would be appreciated. On receipt of
your contribution, we will put you on our mailing list for notices con-
cerning updates and new programs which will be available at a nominal
price. Comments, criticisms and suggestions re the program, especially
constructive ones, are encouraged. If your suggestion is a unique one and
is adopted in a later version of PC-MONEY, you will receive a free copy of
that version. Send contributions and suggestions to:
KEITH CONSULTING
3435 Mansfield Road
Falls Church, VA, 22041
P C - M O N E Y O P E R A T I O N S M A N U A L
Page 2
GETTING STARTED
What You Need:
An IBM PC/XT/AT with 64K (or more) of random access memory, DOS
2.0 (or later Disk Operating System) or any other brand of
computer and DOS that are compatible.
At least one double density disk drive. (Two are better and a
fixed disk is even better. And if you want to operate
FAST, use RamDisk!.
A diskette containing the program PC-MONEY (or a copy of it on a
fixed disk.)
A formatted diskette for your data (or a fixed disk sub-
directory for this purpose).
Starting the Program the First Time:
Start your computer with a diskette containing your Disk Operat-
ing System (DOS) in your normal way. It is important that you have the
correct date in your machine, especially the current year, so when asked
the question "Date?", be sure you answer it correctly! Place the program
diskette in a disk drive and type PC-MONEY <ENTER>. (Note: the <ENTER>
key may be marked "RETURN" on your keyboard.)
The first thing you should see on your screen is a "box"
surrounding the program name and how and where to make contributions.
Press a key on the keyboard to go on. If there is not a file on your pro-
gram diskette by the name of "INITDATA", the screen will next inform you
that the initialization data is missing and will give you the following
choices:
1 - Try Again.
2 - Create new Initialization Data File.
3 - Quit.
Since we are getting started, choose #2. You will now see on
your screen a "form" for filling in data that your program will use each
time you use it in the future. To get started, it is suggested you fill
in only the first three lines at this time. You can always come back to
this form (via the INITIALIZATION selection described later) and change it
or add to it as you wish.
For now, fill in the "Data Disk" blank with an appropriate disk
drive letter. If you have a single drive system, type "A:" (without the
quote marks, of course.). If you have a two drive system, you probably
will want to keep your checking account and tax data on a diskette in
drive B:, so enter "B:" in that case. If you have a fixed disk and want
to keep your data there, type the drive designator AND the sub-directory
name. For example "C:\ACCOUNTS".
Note that, in filling this "form" and other forms in PC-MONEY,
you move the cursor to the next blank with the <ENTER> key. You may also
move down and up lines in the form with the down and up arrow keys,(on the
IBM PC these are at the right of the keyboard) and you may move back to a
blank on the same line by holding down <SHIFT> and pressing the <TAB> key
(just left of the <Q>). You may exit the form at any point by pressing
the <ESC> key (ESCAPE).
P C - M O N E Y O P E R A T I O N S M A N U A L
Page 3
GETTING STARTED (Continued)
Next put into the space for "Type of Monitor", an M or a C, to
indicate whether you are using a Monochrome or a Color display adapter in
your computer. If you are using a color adapter and a color monitor, you
may enter numbers 0 to 7 to indicate your desired foreground color and 0
to 15 for the background color. (See Appendix A for a list of colors.)
If you are using monochrome, you need not enter the colors.
And now, move the cursor to the blank by "Number of Bank
Accounts" and enter a "1" to keep it simple when you're starting.
Press the <ESC> key and then answer the "ALL OKAY? (Y or N)"
question at the bottom of your screen with a "Y". In a few seconds you
should see the PC-MONEY Main Menu.
Subsequent Starts:
Now that you have the initialization data on your diskette, each
time you start PC-MONEY, you need only:
1) Start your computer with your DOS diskette, making sure that
you have entered the correct date. (You may wish to copy PC-MONEY to a
diskette containing DOS and start from your program diskette.)
2) Insert your program diskette in a disk drive and your data
diskette in a second drive (if you have one), and
3) type PC-MONEY <ENTER>. You should be off and running!
Stopping the Program:
Normally the program is exited by selecting MAIN MENU selection
6 - QUIT. You may leave after any question in the program by answering
with <CTRL><BREAK>, but you may lose data you've recently entered if you
do this, so it's not advised!
PROGRAM OPERATION
GENERAL
The operation of PC-MONEY is pretty much self-explanatory. There are
no "Commands" to learn. Every operation is selected by menus and all data
are entered into blanks on forms.
Menus:
Selection of menu items can be made two ways--either by typing the
number in front of the item you want, or by moving the arrow up or down
the menu until the arrow is opposite the item you wish to select. Then
press <ENTER> to select that item.
P C - M O N E Y O P E R A T I O N S M A N U A L
Page 4
Forms:
Forms are used to enter Initialization information, Bank Account
information, and Tax information. In some cases, there is data already
entered into the form, such as when a bank record has been selected for
correction. In all cases, make corrections by locating the cursor on the
blank and type over any data that is already there. Blanks may be filled
in by typing over the underlines (______) on the form. The cursor is
moved to the next blank by the <ENTER> key. It is moved to the previous
blank by holding down <SHIFT> and pressing the <TAB> key. Within a blank
the cursor can be moved forward or backward with the right and the left
cursor keys and it may be moved up and down between lines with the up and
down cursor keys.
PROGRAM DETAILS
MAIN MENU
1 - BANK ACCOUNT & TAX MANAGEMENT
2 - PORTFOLIO MANAGEMENT
3 - FEDERAL INCOME TAX ESTIMATING
4 - HOME BUSINESS ACCOUNTING
5 - INITIALIZATION
6 - QUIT
NOTE: PC-MONEY includes this MAIN MENU as a path to other programs. PC-
MONEY itself includes BANK ACCOUNT & TAX MANAGEMENT and INITIALIZATION
modules ONLY. Do not expect to operate items 2 through 4 above, unless
you also have those modules. They are called PORTFOLO.CHN, INCTAX.CHN,
AND SKED-C.CHN, respectively.
Select #1 and you will see the following:
BANK ACCOUNT & TAX MANAGEMENT
Current Year? (Y or N)
At this point, you will normally answer with <Y> or <y>, but you may
want to look at last year's (or earlier) data, so you may select the year
at this juncture. Practice data dated 1979 is on your original diskette,
so you may wish to use it at this time. If so, answer the above question
with an <N> and the next question with "79"<ENTER>. If you want to create
new bank and tax files for the current year (or if you have already done
so), answer <Y> to the "Current Year?" question.
P C - M O N E Y O P E R A T I O N S M A N U A L
Page 5
BANK ACCOUNT & TAX MANAGEMENT (Continued)
Next you see the following Menu:
P C - M O N E Y
BANK ACCOUNT & TAX MANAGEMENT
1 - ENTER DEPOSITS/WITHDRAWALS
2 - DISPLAY/CORRECT BANK DATA
3 - BALANCE BANK ACCOUNT
4 - ENTER TAX INFORMATION
5 - DISPLAY/CORRECT TAX DATA
6 - RETURN TO MAIN MENU
SELECTION 1 - ENTER DEPOSITS/WITHDRAWALS
IF you have indicated on the PROGRAM INITIALIZATION form that you
have more than one Bank Account, you will now be asked "Which Account?".
You may have accounts numbered 1 to 9.
At this point, if the Bank file for the Account Number and the Year
you've identified is NOT found on the data disk you've designated (via the
Initialization procedure), you will see a message to that effect on the
screen. Take one of the 4 choices. If you choose #3 - Create a New Bank
File, you will be asked to furnish the starting balance of your bank ac-
count. Next, if your Tax file for the year you've designated is not found
on the data diskette, you will have the opportunity to create a new one or
to redesignate your drive identification.
A message now appears which tells you where you left off the last
time you made an entry to your bank data. It shows the last check number,
its date, and the bank balance at that time. Press any key to proceed.
The form for entering Bank transactions now appears. (A transaction
is either a withdrawal or a deposit.) You will note that the cursor is on
the blank for Transaction Type. By default this is a "W" for "Withdrawal"
(the majority of transactions seem to be withdrawals!), but you may type a
"D" if this is a deposit. Press <ENTER> to move the cursor to the Budget
Code blank, where you may wish to enter a Budget Code. (This is optional-
-you may leave it blank if you have not assigned Budget Codes.) The next
blank is for your check number. If this is a deposit, you will probably
wish to just skip it (leave it blank). Then enter the month, day and
Amount of the withdrawal or the deposit.
P C - M O N E Y O P E R A T I O N S M A N U A L
Page 6
ENTER DEPOSITS/WITHDRAWALS (Continued)
If this transaction involves your Federal Income Taxes, enter the ap-
propriate Tax Code in the next blank. Tax Codes can be seen on the screen
by pressing Function Key #1. If the total amount of your transaction, or
the Purpose or the Payee is NOT correct for your Tax records, you may at
this point, call up the Tax Transaction Entry form, by putting number 91
in the tax code space. If you put a 92, you will be able to enter two tax
entries, 93 for 3, and so on up to 99 for nine entries. Example: A bank
deposit of $250 might represent $150 stock dividend plus a $100 interest
payment you have received. In the Bank Entry form, place $250 for the
amount, 92 for the Tax Code, and "Various" in the Payee/Payer and Purpose
blanks. When the Tax Code form appears on the screen, enter Tax Code 2,
Amount 100, etc. in the first one and Tax Code 3, Amount 150 in the second
one.
Review your form entry when "ALL OKAY? (Y or N" is displayed. If it
is NOT okay, reply with an "N" and the cursor will return to the form so
that you may make corrections.
SELECTION 2 - DISPLAY/CORRECT BANK DATA
The selection of this Menu Item, causes the next menu to be dis-
played:
P C - M O N E Y
DISPLAY BANK ACCOUNT
1 - Entire Bank File
2 - By Check Numbers
3 - By Status
4 - By Budget Code
5 - By Payee/Payer
6 - By Purpose
7 - Return to Bank/Tax Menu
All of these display functions work in essentially the same way.
Twenty lines of data are displayed, after which you may quit by entering
the letter "Q", or continue by pressing the <SPACE BAR>. When you have
quit or when all the data has been displayed, you are asked if there are
any corrections to be made. If you do have corrections to make in the
displayed data, answer with a "Y" and then identify the number of the line
to be corrected.
Corrections are made on the same form as was used for transaction en-
try, with the exception that another item -- "Status" -- is added. On en-
try, all bank transactions are considered to be Open, and hence an "O" is
automatically entered. These are changed to "C" when you run the "Balance
Bank Account" section of the program and identify those checks and de-
posits that have been cleared.
Make your correction(s) and press the <ESC> key to go on.
P C - M O N E Y O P E R A T I O N S M A N U A L
Page 7
SELECTION 3 - BALANCE BANK ACCOUNT
This selection is used to reconcile periodic statements from the bank
with your own data. It also marks those transactions which have cleared
the bank by setting their Status field to "C" vice "O".
You must first enter the amount of the previous balance. Then each
canceled check is listed by number. After the last check, enter a "0" to
so indicate. Then you are asked to enter deposits. These are entered by
the amount of the deposit rather than a number. Again, indicate the last
one has been entered by entering a "0". PC-MONEY will then go through
your data, search for each check and deposit, and keep a running total of
those found in your data. It will then give you a total which should, of
course, be the same as your bank statement total. If not, it's time to go
back to the Display/Correct Bank Data section and search for errors!
SELECTION 4 - ENTER TAX INFORMATION
This part of PC-MONEY is used when there is tax information to be en-
tered in your tax data file that is not part of a checking account
transaction. On selection, you will see a form similar to that which is
used for entering Bank Deposits/Withdrawals.
Tax Codes may be displayed on the screen by pressing the F1 key.
Fill in each blank and answer the "OKAY?" question with a "Y" when you
have correctly filled the blanks.
SELECTION 5 - DISPLAY/CORRECT TAX DATA
The selection of this Menu Item, causes the next menu to be dis-
played:
P C - M O N E Y
DISPLAY TAX DATA
1 - Entire Tax File
2 - By Tax Codes
3 - By Payee/Payer
4 - By Purpose
5 - Return to Bank/Tax Menu
All of these display functions work in essentially the same way.
Twenty lines of data are displayed, after which you may quit by entering
the letter "Q", or continue by pressing the <SPACE BAR>. When you have
quit or all the records have been displayed, you are asked if there are
any corrections to be made. If you do have corrections to make in the
displayed data, answer with a "Y" and then identify the number of the line
to be corrected.
Corrections are made on the same form as was used for Tax Information
Entry. You may skip any items on the form that are already correct, and
type over any items you wish to change.
P C - M O N E Y O P E R A T I O N S M A N U A L
Page 8
SELECTION 6 - RETURN TO MAIN MENU
This selection takes you back to the beginning, the MAIN MENU. As
stated earlier, the MAIN MENU is the gateway to other program modules from
KEITH CONSULTING, and is also used to select the PROGRAM INITIALIZATION
section of PC-MONEY.
MAIN MENU SELECTION 5 - PROGRAM INITIALIZATION
Here you are presented with a form to fill. Most of the data on this
form is optional and will be used only after you've had some experience
with PC-MONEY and want to streamline your use of it. However, the first
three lines should be entered at the outset of your use. The first blank
is where you designate the disk drive that will contain your data disk.
This should be entered in the form "B:" (without the quotation marks, of
course.). You will note that the program adds a back slash ("\") after
the colon you have entered. If you are using a fixed disk and want to
keep your data in a sub-directory (a good idea!), use the full name of the
disk and directories (up to two levels). For example: "C:\FINANCES\DATA"
would indicate that your bank and tax data will be found in sub-directory
DATA of directory FINANCES on drive C:.
The next blank is where you designate whether you are using a
Monochrome or a Color display adapter. If Monochrome, enter "M" in the
blank and if Color, enter a "C". If you are using color, you may desig-
nate foreground color (0 to 7) and background color (0 to 15) in the next
two blanks.
NOTE: changes you make to this form will not be used by the program
until the next time you start PC-MONEY, so if you've made changes that are
essential to this running, quit the program (via Main Menu Selection 7 -
QUIT) and then restart PC-MONEY.
The next blank is for your Number of Bank Accounts. The only effect
this has on operation of PC-MONEY is that if you indicate you have more
than one account, you are asked which account you wish to use when you se-
lect the Bank/Tax module.
The next four lines may be used to make it possible for you to desig-
nate a particular Tax Code, called the "command Code" which will automati-
cally trigger multiple entries in your Tax File each time you use it. For
example, the Tax Code for Salary might be used to trigger SubCode entries
for Withholding Taxes, Hospitalization Insurance, etc. In this manner,
when you enter your net salary deposit in Bank Transactions and identify
the Tax Code as Salary, the gross amount of your salary (for tax purposes)
is entered into the tax data, along with any of the SubCodes you have
identified on the INITIALIZATION form.
P C - M O N E Y O P E R A T I O N S M A N U A L
Page 9
INITIALIZATION (Continued)
A sample entry:
Command Code 1_ Command Code Amount 2788.00___
SubCode A 21 A Amount -800.00___ A Payee IRS_______ A Purpose W/H___
SubCode B 24 B Amount -84.69____ B Payee Blue Cross B Purpose Ins___
SubCode C 0_ C Amount __________ C Payee __________ C Purpose ______
The last section of the INITIALIZATION permits you to add Tax Codes
numbers 41 through 44 if you so desire. The first 40 codes have been se-
lected to perform with the INCOME TAX CALCULATING program, so are not
changeable, but you may find you wish additional categories. If so, enter
them here and on subsequent runnings on PC-MONEY they will be listed along
with the first 40.
HINTS AND KINKS
No matter how hard one tries, there are bound to be glitches when
someone else runs a computer program. We don't know of any in PC-MONEY,
but they'll be found by you, the user. Let us know, so we can continue to
improve the program. Some things you might run into and what to do about
them:
If, when starting to enter withdrawals or deposits in your bank ac-
count, the message you receive shows an incorrect balance, you may correct
this balance by selecting (after you've finished entering the transaction)
one of the "Display Bank Account" selections and then correcting number 0.
Record 0 does not normally display on the screen, but it is used to store
the current balance and can be brought up on the screen for purposes of
correcting it.
If you should get a "Disk Not ready" message, you may have the wrong
disk designated in your Initialization form. Check it to make sure its a
valid disk drive. Or you may have failed to put a diskette in the drive,
or the diskette may be "Write-protected".
We hope you don't see an "I/O Error" message, but if you do, just
start PC-MONEY again. Look at your display (Bank or Tax, whichever you
were working on) and make sure all the recent data you entered is in the
file. If not, re-enter it.
P C - M O N E Y O P E R A T I O N S M A N U A L
Page 10
APPENDIX A
COLOR MONITOR COLORS
0 Black 8 Gray
1 Blue 9 Light Blue
2 Green 10 Light Green
3 Cyan 11 Light Cyan
4 Red 12 Light Red
5 Magenta 13 Light Magenta
6 Brown 14 Yellow
7 White 15 High-intensity White
