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PCBUDGET
Version 2.4
Home Financial Management
User's Manual
December 9, 1991
Copyright (C) 1990-1991, ProLogic Software
All rights reserved.
LICENSE
PCBUDGET, including this version, is not and has never been public domain
software, nor is it free software. PCBUDGET is Copyright (C) 1990-1991 by
Kenneth Merker dba ProLogic Software. All rights reserved.
This document is Copyright (C) 1990-1991 by Kenneth Merker dba ProLogic
Software. All rights reserved.
PCBUDGET is a "shareware program" and is provided at no charge to the
user for evaluation. The essence of "user-supported" software is to provide
personal computer users with quality software without high prices, and yet to
provide incentive for programmers to continue to develop new products. If
you find PCBUDGET useful and find that you are using PCBUDGET and
continue to use PCBUDGET after a reasonable trial period, you are required
to register. The registration fee will license one copy for use on any one
computer at any one time.
No user may modify PCBUDGET in any way, including but not limited to
decompiling, disassembling or otherwise reverse engineering the program. All
users are granted a limited license to copy PCBUDGET only for the trial use
of others subject to the following:
PCBUDGET must be copied in unmodified form, complete
with the file containing this license information.
The full PCBUDGET documentation must be included with the
copy.
No fee, charge or other compensation may be accepted or
requested by the licensee.
PCBUDGET may not be distributed in conjunction with any
other product.
Anyone wishing to distribute PCBUDGET for any kind of financial benefit,
payment, or compensation of any kind must first contact ProLogic Software
at the address below for authorization. This authorization will be
automatically granted to distributors recognized by the (ASP) as adhering to
its guidelines for shareware distributors, and such distributors may begin
offering PCBUDGET immediately (However ProLogic Software must still be
advised so that the distributor can be kept up-to-date with the latest version
of PCBUDGET.).
ProLogic Software
P.O. Box 71
Loveland, OH 45140
(513) 677-1754
CompuServe 76340,2626
Information on this document is subject to change without notice and does not
represent a commitment on the part of ProLogic Software.
Microsoft, MS, and MS-DOS are registered trademarks of Microsoft
Corporation.
IBM, PS2, PS1, PC, AT, and XT are registered trademarks of International
Business Machines Corporation.
Document ID No. PCBMAN24-12-1991
WARRANTY
THIS PRODUCT IS LICENSED WITHOUT ANY WARRANTY OF
MERCHANTABILITY, FITNESS OF PARTICULAR PURPOSE,
PERFORMANCE, OR OTHERWISE; ALL WARRANTIES ARE
DISCLAIMED. BY USING THE PCBUDGET PRODUCT, YOU AGREE
THAT NEITHER PROLOGIC SOFTWARE NOR ANY OF OUR
EMPLOYEES, AFFILIATES, OWNERS, OR OTHER RELATED
PARTIES WILL BE LIABLE TO YOU OR ANY THIRD PARTY FOR
ANY USE OF (OR INABILITY TO USE) THIS SOFTWARE, OR FOR
ANY DAMAGES WHATSOEVER. EVEN IF WE ARE APPRISED OF
POSSIBILITY OF SUCH DAMAGES OCCURRING.
PCBUDGET Order Form
Registration fee $35.00 each: $________
Ohio residents add 5.5% sales tax: $________
Shipping and handling each: $________
($2.00 in USA $5.00 Outside)
Total Due: $________
Fill out this form and return
it along with your check or
Money order payable to
ProLogic Software in US
currency to:
ProLogic Software
P.O. Box 71
Loveland, OH 45140
Name:________________________________________
Company:_____________________________________
Street Address:______________________________
City:________________________________________
State:_____________ Zip Code:________________
Telephone number:____________________________
Where did you receive your copy of PCBUDGET:
__________________________________________________________
Version number:________
Disk preference: 3.5" 5.25" DD(360K) 5.25" HD(1.2M) (circle one)
Comments:_________________________________________________
_________________________________________________
LICENSE. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . i
WARRANTY . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . iii
PCBUDGET Order Form. . . . . . . . . . . . . . . . . . . . . . . . . . . iv
1.0 INTRODUCTION. . . . . . . . . . . . . . . . . . . . . . . . . . . . 3
1.1 System Configuration. . . . . . . . . . . . . . . . . . . . . 5
2.0 GETTING STARTED . . . . . . . . . . . . . . . . . . . . . . . . . . 6
2.1 Backing Up Your Disks . . . . . . . . . . . . . . . . . . . . 6
2.2 Disk Contents . . . . . . . . . . . . . . . . . . . . . . . . 6
2.3 Floppy Disk System. . . . . . . . . . . . . . . . . . . . . . 7
2.4 Hard Disk System. . . . . . . . . . . . . . . . . . . . . . . 8
2.5 If You Have a Mouse . . . . . . . . . . . . . . . . . . . . . 8
3.0 USING PCBUDGET. . . . . . . . . . . . . . . . . . . . . . . . . . . 9
3.1 The PCBUDGET Screen . . . . . . . . . . . . . . . . . . . . . 9
3.2 Pulling Down Menus and Selecting Commands . . . . . . . . . 11
3.3 Using Data Entry Windows. . . . . . . . . . . . . . . . . . 13
3.4 Scrolling the View Window . . . . . . . . . . . . . . . . . 15
3.5 Returning Temporarily to DOS (DOS Shell). . . . . . . . . . 15
3.6 Exiting PCBUDGET. . . . . . . . . . . . . . . . . . . . . . 15
4.0 PCBUDGET FILE MANAGEMENT. . . . . . . . . . . . . . . . . . . . . 17
4.1 Creating a Data File. . . . . . . . . . . . . . . . . . . . 17
4.2 Starting a New Month. . . . . . . . . . . . . . . . . . . . 20
4.3 Starting a New Year . . . . . . . . . . . . . . . . . . . . 20
4.4 Selecting the Viewing Month . . . . . . . . . . . . . . . . 21
4.5 Backing up your Data File . . . . . . . . . . . . . . . . . 22
4.6 Selecting other Data Files. . . . . . . . . . . . . . . . . 22
5.0 ACCOUNTS. . . . . . . . . . . . . . . . . . . . . . . . . . . . . 23
5.1 Creating Accounts . . . . . . . . . . . . . . . . . . . . . 23
5.2 Modifying Accounts. . . . . . . . . . . . . . . . . . . . . 30
5.3 Setting up Loans. . . . . . . . . . . . . . . . . . . . . . 31
6.0 TRANSACTIONS. . . . . . . . . . . . . . . . . . . . . . . . . . . 33
6.1 Making Transactions . . . . . . . . . . . . . . . . . . . . 33
6.2 Group Entry Transactions. . . . . . . . . . . . . . . . . . 38
6.3 Paycheck. . . . . . . . . . . . . . . . . . . . . . . . . . 41
6.4 Modifying Transactions. . . . . . . . . . . . . . . . . . . 44
6.5 Automatic Transaction Entry . . . . . . . . . . . . . . . . 44
6.6 Reconciling Accounts. . . . . . . . . . . . . . . . . . . . 46
7.0 BUDGETS . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 50
7.1 Cost Budgets. . . . . . . . . . . . . . . . . . . . . . . . 51
7.2 Profit Budget . . . . . . . . . . . . . . . . . . . . . . . 52
7.3 Cash Budget . . . . . . . . . . . . . . . . . . . . . . . . 53
7.4 Budgeted Cash Flows . . . . . . . . . . . . . . . . . . . . 54
8.0 REPORTS . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 55
8.1 Personal Net Worth. . . . . . . . . . . . . . . . . . . . . 55
8.2 Income and Expense. . . . . . . . . . . . . . . . . . . . . 55
8.3 Account Balances. . . . . . . . . . . . . . . . . . . . . . 55
8.4 Federal Income Tax Estimator. . . . . . . . . . . . . . . . 56
9.0 ADVANCED FEATURES . . . . . . . . . . . . . . . . . . . . . . . . 58
9.1 Payment Reminders Recurring Transactions (PRRT) . . . . . . 58
9.2 Mailing List. . . . . . . . . . . . . . . . . . . . . . . . 59
9.3 Search for items. . . . . . . . . . . . . . . . . . . . . . 60
9.4 Loan Amortization . . . . . . . . . . . . . . . . . . . . . 61
9.5 Accumulation Schedule . . . . . . . . . . . . . . . . . . . 61
10.0 BAR GRAPHS. . . . . . . . . . . . . . . . . . . . . . . . . . . . 62
11.0 OTHER OPTIONS . . . . . . . . . . . . . . . . . . . . . . . . . . 63
11.1 Printing Reports. . . . . . . . . . . . . . . . . . . . . . 63
11.2 Enable Check Printing . . . . . . . . . . . . . . . . . . . 63
11.3 Pop-up Calendar . . . . . . . . . . . . . . . . . . . . . . 64
11.4 Pop-up Calculator . . . . . . . . . . . . . . . . . . . . . 64
11.5 Setting Screen Colors . . . . . . . . . . . . . . . . . . . 65
12.0 SPECIFICATIONS. . . . . . . . . . . . . . . . . . . . . . . . . . 66
13.0 INDEX . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 67
1.0 INTRODUCTION
Dear PCBUDGET Customer:
Welcome to PCBUDGET. PCBUDGET is a simple and organized
budgeting tool for your computer. PCBUDGET is designed to help
assist, simplify, and organize your home financial records. You can use
PCBUDGET as a simple Checkbook manager or as a detailed record
keeping and tracking home accounting system. You can keep track of
your bank accounts, credit cards, expenses, incomes, assets, liabilities,
loans, and bill payments. You can use PCBUDGET to track budgets,
plan your future needs, measure your progress, and alarm you of
problems areas.
The most important thing to remember about PCBUDGET is to stick
with it. The more you put into it, the more you will get out of it.
PCBUDGET organizes your finances by assigning each account you
create with a two digit account code. As transactions are recorded, the
accounts affected will automatically update their monthly and year-to-
date balances. At any point in time, you can view your Net Worth,
Total Income, Expenses, compare budgets reports, and view a variety
of other reports and lists.
Among the types of accounts which you may wish to create with
PCBUDGET are:
Incomes - Salary, Dividends . . .
Expenses - Groceries, Telephone, Taxes . . .
Credit Cards - MasterCard, Visa . . .
Liabilities - Car Loan, Mortgage, Personal Loans . . .
Bank Accounts - Checking Account, Savings Account, IRA . . .
Assets - Personal Property, Stocks, Bonds, Auto Value . . .
You should begin creating accounts immediately after you have created
your data file. Or, accounts can be created as you need them while
making transactions. Each account can have a budget assigned to it.
For example if the Grocery budget is $200 per month, and you write
a check from your checking account for $220, Paid to Grocery, you
have just exceeded the Grocery budget by $20.
PCBUDGET uses a double entry accounting system. That is, all
transactions will affect at least two accounts. For example, when you
used your Checking Account to purchase Groceries in the above
example, two accounts were affected. Your Checking Account balance
decreased and your Grocery account increased.
As more and more transactions are recorded, the better you will be
able to get the "big picture" of where your money came from, where it
is going, and how to keep it under control.
If you feel uncomfortable with PCBUDGET, even after a trial period
of use, feel free to contact us of any features or functions that seem
cumbersome or are difficult to understand. ProLogic Software invites
your ideas and suggestions.
1.1 System Configuration
PCBUDGET can be used on any IBM PC, AT, XT, PS2, PS1 or
compatible. System memory requirements are 512K RAM and MS-
DOS 2.1 or higher. A hard disk is recommended for PROGRAM files
and Data Files. However, a two floppy disk system will also work.
This manual refers to the PCBUDGET Program Disk and the
PCBUDGET Data File. The PCBUDGET Program Disk is the disk
which contains the .EXE file. The PCBUDGET Data File is the disk
(or directory) which you will create the first time you use
PCBUDGET. The Data File will contain all the information
concerning your month to month finances.
A graphics card is not required for normal use, however, to view BAR
graphs, the minimum requirement is a CGA graphics card. All video
modes up to and including VGA are supported by PCBUDGET.
If you're going to use a printer with PCBUDGET, your printer should
be connected to LPT1. All standard text printers are supported by
PCBUDGET.
2.0 GETTING STARTED
2.1 Backing Up Your Disks
The first thing to do before using PCBUDGET is to make working
copies of your PCBUDGET Program Disk using the DISKCOPY or
COPY command from DOS. Place the master PCBUDGET Program
Disk in a safe place and use the copy from now on. If the copy is ever
damaged or destroyed, you can make a new copy from the master
Program Disk.
2.2 Disk Contents
The files provided with the PCBUDGET program system are
described below.
DISK #1 - Program and Installation Disk
PCBUDGET.EXE The
PCBUDGET
Executable
file (Binary).
INSTALL.EXE Install
PCBUDGET
from a floppy
disk to your
hard disk.
DISK #2 - Help and Configuration Disk
PCBUDGET.DAT Data file path
and backup
path names
(ASCII).
PCBUDGET.SET Color scheme
and special
settings.
(ASCII).
PCBUDGET.HLP Text for
PCBUDGET
on-line help
(ASCII).
PCBUDGET.TAX Tax tables
used by the
Federal
Income Tax
Estimator
(ASCII).
PCBUDGET.DOC The file
containing
this manual
(ASCII).
README.DOC Important
license and
warranty.
(ASCII).
REG.FRM Registration
form (ASCII).
PCBUDGET
is a
Shareware
program. If
you like and
use
PCBUDGET
you must
register your
program.
If you have been running a previous version of PCBUDGET, you may
notice some files from the old version which are not shown above.
You can delete the old files not shown above to save space on your
hard disk.
2.3 Floppy Disk System
To use PCBUDGET if you have a two floppy disk system, insert the
PCBUDGET program disk in the A: drive and a blank formatted
floppy disk in the B: drive. The blank disk will be used for your data
file. At the A: prompt, type
A:\>PCBUDGET [Enter]
After the PCBUDGET program file loads, you will be required to
insert disk #2. Disk #2 should be left in the drive while PCBUDGET
is being used.
Running from a two floppy disk system occasionally requires you to
remove your program disk from the A: drive. This happens when you
make a backup of your data file or when starting a new year.
PCBUDGET will direct you when you need to switch disks.
2.4 Hard Disk System
To use PCBUDGET if you have a hard disk, insert the
Program/Installation disk in drive A: and type:
A:\>INSTALL [Enter]
The install program will copy the PCBUDGET program system to your
hard disk. After the installation is complete you can change back to
your C: drive and type PCBUDGET at the PCBUDGET directory
prompt.
When your PCBUDGET program files are installed on your hard disk,
you can either use your hard disk for storing your data file or you can
use a floppy disk for your data file. It is recommended to use your
hard disk because PCBUDGET will operate much faster during
program execution.
2.5 If You Have a Mouse
You can use PCBUDGET with or without a mouse. PCBUDGET is
designed for use with the Microsoft Mouse or compatible. Before
running PCBUDGET, make sure that your mouse driver has been
loaded.
3.0 USING PCBUDGET
3.1 The PCBUDGET Screen
When you start PCBUDGET, your screen appears as shown.
File Transactions Reports Budgets Graphs Options Help ─────────────────── 1
P C B U D G E T Version 2.4 Copyright (C) 1990-1991, ProLogic Software ─── 2
╔══════════════════════════════════════════════════════════════════════════════╗
║ ──────┐
║ ┌─────────────────────────────────────────┐ ░ │
║ │ Good Evening Raymond Smith │██ ▒ │
║ ├─────────────────────────────────────────┤██ ─────────────── 3 │
║ │ Checking Account Balance 0.00 │██ ▒ │
║ │ Last check you've written 0000 │██ ▒ │
║ │ You have no bills which need to be paid │██ █ ───────────── 4 │
║ ├─────────────────────────────────────────┤██ ▒ │
║ │ Last use 09-03-1991 │██ ▒ │
║ │ Month :09 │██─────────────────── 5 │
║ │ Day :05 │██ ▒ │
║ │ Year :1991 │██ ▒ │
║ ├─────────────────────────────────────────┤██ ▒─── 6 │
║ │ <F9=RECORD> <Esc=Cancel> <F10=Help> │██ ▒ │
║ └─────────────────────────────────────────┘██ ▒ │
║ ███████████████████████████████████████████ ▒ ┌─ 7 ─┘
║ ▒ │
║ ▒ │
║ ─┘
╚══════════════════════════════════════════════════════════════════════════════╝
1991 ─────────────┐ September 05, 1991 9:11 pm Viewing: September
F9:RECORD date. │ │ │
│ 8 │ │
11 9 10
The following list explains the parts of the screen and refers to the
figure above.
1. Menu Bar Names each menu. Highlighted letter
indicates the key to be pressed along with the ALT key
to activate the menu selection.
2. Screen Title When running PCBUDGET, different
reports, list, and schedules will be displayed on the
screen. This line contains the title of the screen and
identifies the data being displayed.
3. View Window A window into your financial database.
4. Mouse Cursor (mouse only).
5. Data Entry Window PCBUDGET displays a Data Entry
Window when you are entering data or when additional
information is required.
To move the cursor within the Data Entry Window you
can use the up, down, left, and right arrow keys, or you
can use a mouse.
All Data Entry Windows have at least two selections
which can be made while they are being displayed. In
the example above, there are three selections.
RECORD, CANCEL, and HELP. To select one of these
items, use the TAB key to highlight the brackets
surrounding the item, then press the ENTER key. Or,
press the function key or the Esc key as it applies.
Many of the Data Entry Windows have numerous
function keys associated with them. All active function
keys for the current Data Entry Window are located on
the information bar (the bottom line of the screen). All
Data Entry Windows have a TOPIC help file which
describes in further detail what the Data Entry Window
is asking for and how to go about using it.
6. Scroll Box Shows relative position to all data available
in the view window.
7. Scroll Arrows Scroll the view window one line at a time
(mouse only).
8. Data File Path Name This tells you where your data file
is located. When PCBUDGET is accessing your data
file, the data file name will blink. The data file path
name is stored in the file called PCBUDGET.DAT.
9. Todays Date and Time The date and time are retrieved
from the DOS system. The date can be modified when
entering the date at the beginning of your PCBUDGET
session.
10. Viewing Month The Viewing month indicates which
months data is active and/or is being displayed. When
you are viewing a month which is different from the
actual month the Viewing month will blink.
11. Information Bar Displays information about softkey
functions and actions taken when they are pressed.
3.2 Pulling Down Menus and Selecting Commands
PCBUDGET commands are organized in menus on the menu bar.
The PCBUDGET environment is designed for fast and simple
operations which can get you to and from any activity without having
to step through needless screens and prompts. Refer to the figure
below to see the FILE menu.
File Transactions Reports Budgets Graphs Options Help
┌────────────────────────┐ 2.4 Copyright (C) 1990-1991, ProLogic Software
╔│ OPEN MONTH... │██══════════════════════════════════════════════════╗
║│ New Account... │██ ░
║│ Setup Group... │██ ▒
║│ Setup Loan... │██ ▒
║├────────────────────────┤██ ▒
║│ Select data file... │██ ▒
║│ Create data file... │██ ▒
║│ Backup data file... │██ ▒
║│ Transfer Month/year... │██ ▒
║├────────────────────────┤██ ▒
║│ Print... │██ ▒
║│ Send to file... │██ ▒
║│ DOS shell │██ ▒
║├────────────────────────┤██ ▒
║│ Exit │██ ▒
║└────────────────────────┘██ ▒
║ ██████████████████████████ ▒
║ ▒
║ ▒
║
╚══════════════════════════════════════════════════════════════════════════════╝
1991 September 03, 1991 8:50 pm Viewing: September
Use the arrow keys, and press ENTER to make your selection.
To pull down PCBUDGET Menus, do the following:
Press and hold down the ALT key, then press the first
letter of the menu name.
or,
If you have a mouse, point to the menu name, and then
click on the left mouse button.
If you pull down the wrong menu, take one of the following actions:
Cancel the menu by pressing the ESC key.
Move to another menu by pressing the LEFT or RIGHT
arrow keys.
If you have a mouse, click on the right mouse button.
The right mouse button always has the same affect as
pressing the ESC key.
To select from the menu, do the following:
Press the key corresponding to the highlighted (or
underlined) letter.
Use the UP or DOWN arrow keys to move the highlight
to the selection that you want, then press the ENTER
key.
If you have a mouse, point to the selection that you
want, then click the left mouse button.
Sometimes there may not be a letter in the window which is
highlighted. This is because the items in the window have been
determined by the types of accounts and account names you have
created on your data file. For these cases, you will have to use the
arrow keys or mouse (if you have one) to make your selection.
When there are arrows in the top right and bottom right hand corner
of the window, there is more information or items to select from. You
can use the PAGEUP, PAGEDOWN, HOME, and END keys to view
the rest of the window or, if you have a mouse, place the mouse cursor
on the arrows in the window and click the left mouse button.
3.3 Using Data Entry Windows
PCBUDGET displays a Data Entry Window when you are entering
data or when additional information is required. For example, a Data
Entry Window might;
Prompt you for a data file path name.
Ask for an opening balance for a new account.
Ask you to verify an operation.
In this example, the Transactions Data Entry Window is shown.
File Transactions Reports Budgets Graphs Options Help
C T Dt Sr To Chck Description Expense Income Transfer
╔══════════════════════════════════════════════════════════════════════════════╗
║
║ ░
║ ┌────────────────────────────────────────────┐ ▒
║ │ Source :Checking Account 99.05│██ ▒
║ │ Amount : │██ ▒
║ │ Memo : │██ ▒
║ │Paid to : │██ ▒
║ │Check # : │██ ▒
║ │ Date : │██ ▒
║ │ Tax : │██ ▒
║ │Cleared : │██ ▒
║ ├────────────────────────────────────────────┤██ ▒
║ │ <F9=RECORD> <Esc=Cancel> <F10=Help> │██ ▒
║ └────────────────────────────────────────────┘██ ▒
║ ██████████████████████████████████████████████ ▒
║ ▒
║ ▒
║ ▒
║
╚══════════════════════════════════════════════════════════════════════════════╝
1991 August 23, 1991 8:50 pm Viewing: August
F1:Source/Paid To F3:ACCOUNTS F4:MEMORIZE F5:INSERT F6:UNPAID F9:RECORD
All Data Entry Windows have at least two selections which can be
made while they are being displayed. In the example above, there are
three selections. RECORD, CANCEL, and HELP. To select one of
these items, use the TAB key to highlight the brackets surrounding the
item, then press the ENTER key. Or, press the function key or the
Esc key as it applies.
Every Data Entry Window has a Help file associated with it. You can
always press the F10 key to view the Help file.
Many of the Data Entry Windows have numerous function keys
associated with them. All active function keys for the current Data
Entry Window are located on the information bar (the bottom line of
the screen). All Data Entry Windows have a TOPIC help file which
describes in further detail what the Data Entry Window is asking for
and how to go about using it.
Often, Data Entry Window hide information in the View Window.
You can press the ALT-W key sequence if you wish to temporarily
erase the Data Entry Window. This allows you to scroll the View
Window to view the information you wish. Press ALT-W again to
recall the Data Entry Window.
3.4 Scrolling the View Window
Often, the reports, lists, or schedules that you generate are much to
large to fit into the View Window. To look at the rest of the screen,
you can move the text up or down. This is known as "scrolling". The
following table summarizes the keystrokes used for scrolling the View
Window.
Scrolling
────────────────────────────────────────────
Scrolling Action Keystroke
────────────────────────────────────────────
Move down one line PAGE DOWN
Move up one line PAGE UP
Move down one page CTRL+PAGE DOWN
Move up one page CTRL+PAGE UP
Go to the end of the page END
Go to the top of the page HOME
────────────────────────────────────────────
3.5 Returning Temporarily to DOS (DOS Shell)
The DOS Shell selection on the FILE menu lets you return temporarily
to the DOS command level, where you can execute other programs
and DOS commands. PCBUDGET remains in memory so that you
can return to the same point you left off at, without reloading it.
PCBUDGET needs to find the COMMAND.COM file before it can
execute the SHELL command. If COMMAND.COM is not found, you
will get a message which tells you to insert the disk with
COMMAND.COM. If you are running from a floppy disk system, try
loading COMMAND.COM onto your PCBUDGET program disk.
To return to PCBUDGET from the DOS command level, type EXIT
at the DOS prompt.
The PCBUDGET screen reappears just as you left it.
3.6 Exiting PCBUDGET
The Exit selection on the FILE menu removes PCBUDGET from
memory and returns you to the DOS prompt.
All data for the viewing month is automatically stored to disk.
4.0 PCBUDGET FILE MANAGEMENT
4.1 Creating a Data File
Creating a Data File is the first thing you must do to use
PCBUDGET. PCBUDGET looks at the file named PCBUDGET.DAT
on your PCBUDGET program disk. The PCBUDGET.DAT file is a
text file which contains the name of your data file and the name of the
backup data file. The first line item in PCBUDGET.DAT contains the
drive/path (name) where your data file resides. If a data file is not
found at this location, a Data Entry Window will display.
┌──────────────────────────────────────────────────────────┐
│ A data file was not found. If you wish to create a data │██
│ file, press the F9 key. If you would like an overview │██
│ of PCBUDGET, press the F5 key. │██
├──────────────────────────────────────────────────────────┤██
│ <F5=OVERVIEW> <F9=CREATE FILE> <Esc=Cancel> <F10=Help>│██
└──────────────────────────────────────────────────────────┘██
████████████████████████████████████████████████████████████
This is the opening screen when starting PCBUDGET for the first
time. From this screen you can read a brief overview of PCBUDGET,
you can create a data file, or you can cancel the screen. Canceling the
screen doesn't really get you anywhere because PCBUDGET will
remember that it could not find a data file and therefore will not allow
you to do much of anything. If you do press Cancel, you can still pull
down the FILE menu and select Create Data File. When you select
Create Data File, you must first enter the drive/path where you want
your data file to be located at.
┌────────────────────────────────────────────────────────┐
│Enter New Data file path name :1991 │██
├────────────────────────────────────────────────────────┤██
│ <F9=RECORD> <Esc=Cancel> <F10=Help> │██
└────────────────────────────────────────────────────────┘██
██████████████████████████████████████████████████████████
Enter the name you wish to give to your data file. A good name to
enter is the current year. Then when you start a new year, you can
easily differentiate a data file from one year to a data file from
another year. For example, next years data file can be named 1992.
You can, however, enter any valid DOS file name, a drive letter
specifying a floppy disk, or both. For example, suppose your
PCBUDGET program files are on your hard disk in a directory named
C:\PCBUDGET. The following are all valid data file path names:
1991 Your data file is stored in a
subdirectory of C:\PCBUDGET
with the subdirectory name of
1991.
C:\1991 Your data file is stored in a main
directory named 1991.
A: Your data file is stored in the root directory of a
disk in drive A:.
B: Your data file is stored in the root
directory of a disk in drive B:.
A:\1991 Your data file is stored in a main
directory called 1991 of a floppy disk in
drive A:.
Whenever a directory needs to be created, PCBUDGET will create it
for you automatically.
After you have selected the name for your data file, PCBUDGET will
ask you for a starting date for your PCBUDGET data. You should
consider at what point in time the PCBUDGET data will become
current. That is, how and when will PCBUDGET get in synch with
your current finances and/or your bank or credit card company.
┌─────────────────────────────────────────────────────────┐
│ Please enter your Checking Account balance and the date │██
│ when this balance was correct. This date will be the │██
│ starting point which PCBUDGET will use for tracking your│██
│ finances. For more information, select the <HELP> file.│██
│ Opening Balance : │██
│ Month : │██
│ Day : │██
│ Year : │██
├─────────────────────────────────────────────────────────┤██
│ <F9=ENTER> <Esc=Cancel> <F10=Help> │██
└─────────────────────────────────────────────────────────┘██
███████████████████████████████████████████████████████████
To get PCBUDGET in synch with your current financial situation you
could do 1 of 3 things.
METHOD 1
The first method you could use is to enter a starting date of January
1 of the current year. When you enter January 1, the opening balance
for your checking account and the Y-T-D balances for all other
accounts you create should be what the balance was on January 1.
PCBUDGET data is organized by year and then by month. After each
month, data is transferred into the next month, and after each year,
data is transferred into the next year. Income accounts and expense
accounts are always reset to $0 when a new year starts. So with this
method, all income and expense accounts which you create will have
a Y-T-D balance of $0. For Bank Accounts, Assets, Credit Cards, and
Liability accounts, you should determine what the total balance was for
the account on January 1. For example, how much money did you
have in your checking account on January 1, how much money did you
have in your savings account, etc. For Credit Cards or Liabilities, what
was the balance due for that account on January 1. After your
accounts have been created, you should begin making every transaction
which occurred since January 1 of that year.
You should start by recording all the January transactions. Then
transfer January data into February and record all the February
transactions. Then February into March and record March
transactions. Get the picture. See Section 4.2 Starting a New Month
for information on starting or transferring monthly data.
If its late in the year, this might be a long and tedious task. So you
need to decide if you want to go with this method or switch to method
2 or 3. Method 1 is the absolute most accurate method to use because
your data file Y-T-D figures will truly be actual figures, whereas
method 2 and 3 Y-T-D figures may not be.
METHOD 2
Method 2 is probably the best method given the fact that it doesn't
involve entering a million transaction but its still fairly accurate as far
as bringing your checking account balance and other accounts up to
date. For method 2, you need to get your most recent bank statement
from your checking account. You should enter the "bank balance"
shown on this statement and enter it on the line that says Opening
Balance.
Then enter the date that this balance was correct. This will be the
Starting Date for your PCBUDGET data file. Lets suppose that the
Starting Date is June 15, 1991.
At this point, you can either begin adding more accounts or you can
begin making transactions to bring your Checking Account up to date.
If you're going to create other accounts at this time, you should try to
enter the Y-T-D balance for the new accounts to be whatever the
balance was on the Starting Date. If the balances for the new
accounts are unknown, like most expense account balances are, then
just enter $0. You should refer to Section 5.1 Creating Account if you
are going to create more accounts.
To bring your checking account up to date, enter all the transactions
that occurred in June but after the Starting Date. Also, don't forget
about the transaction which were made prior to the Starting Date that
were not included on your bank statement.
When you're done entering the June transactions, you may be ready to
begin July transactions. If the actual month is still June don't worry.
You can begin July when July actually comes. However if the actual
month is July, you will need to transfer your June balances into July
and make all the July transactions to date. See Section 4.2 Starting a
New Month when your ready to start a new month.
METHOD 3
Method 3 is by far the easiest method to use. All you really need to
know is your Checking Account balance at the present. Simply enter
your current Checking Account balance and todays date. Now you're
ready to go. You won't need to enter transactions until you use your
Checking Account. You may wish to begin adding other accounts at
this time or you can simply add them as you need them. See Section
5.1 Creating Accounts for more information on creating accounts.
4.2 Starting a New Month
Balances are transferred to a new month when the date entered at the
beginning of your PCBUDGET session is a month later than the Last
use date. Or, you can transfer balances by pulling down the FILE
menu and selecting Transfer Month/Year. When you transfer your data
file to the next month all Y-T-D balances for all accounts are
transferred into the new month.
4.3 Starting a New Year
A New Year is started when the date entered at the beginning of your
PCBUDGET session is a year later than the Last use date. Or you can
start a New Year by pulling down the FILE menu and selection
Transfer Month/Year. When you start a New Year, Bank Accounts,
Assets, Credit Cards, and Liability Y-T-D balances from December
will be transferred into the January Y-T-D balances. Income and
Expense account Y-T-D values will be reset to $0.
Starting a New Year requires you to start a new data file with a new
data file path name. This way, if you need to refer to a previous year,
you will have a unique data file which differentiates one year from
another.
┌──────────────────────────────────────┐
│Target file : │██
│ New Year : │██
├──────────────────────────────────────┤██
│ <F9=RECORD> <Esc=Cancel> <F10=Help>│██
└──────────────────────────────────────┘██
████████████████████████████████████████
Enter the target disk (or file) path. This is where your data is going
to be transferred to for the New Year. Also, enter the New Year.
Press the F9 key to transfer your data file. After the transfer is
complete, PCBUDGET will automatically change your data file to the
New Year data file, and it will set the system date to January 1 of the
New Year.
4.4 Selecting the Viewing Month
The Viewing month is displayed in the bottom right hand corner of the
screen. The Viewing month defaults to the month entered when you
enter the date at the beginning of your session. The Viewing month
determines what month a transaction should be applied to. Also, when
viewing your Personal Net Worth, Income and Expenses, and other
periodic reports, you will be viewing the monthly data of the Viewing
month and the Y-T-D data up to and including the Viewing month. To
change the Viewing month, pull down the FILE menu and select Open
Month. Select the month you wish to view. When you are viewing a
month which is different from the actual month, the Viewing month
indicator will blink.
You can make transactions in an earlier month by changing the
Viewing month to the earlier month. The balances of the accounts
affected by the transaction will be transferred through to the actual
month automatically.
4.5 Backing up your Data File
At the end of each PCBUDGET session, it is best to backup your
Data File in case of damage to your primary data disk. Pull down the
FILE menu and select Backup Data File.
┌──────────────────────────────────────┐
│Target file :BACKUP │██
├──────────────────────────────────────┤██
│ <F9=RECORD> <Esc=Cancel> <F10=Help>│██
└──────────────────────────────────────┘██
████████████████████████████████████████
Enter the target disk (or file) path. This is where your data is going to
be copied to. The target file for a data file backup is stored in the file
PCBUDGET.DAT of your program disk.
4.6 Selecting other Data Files
To select a different data file, pull down the FILE menu and select
Select Data File. Selecting a different data file will change the data file
drive/path specifier located at the bottom left hand corner of the
screen.
5.0ACCOUNTS
5.1 Creating Accounts
After your data file has been created three accounts will have already
been created for you.
They are: Checking Account CH
Misc Expense ME
Misc Income MI
To view the accounts you already have pull down the REPORTS menu
and select Account Balances.
Description Type Code Y-T-D October
╔═════════════════════════════════════════════════════════════════════════╗
║ Checking Account Bank Account CH 0.00 0.00 ░
║ Misc Income Income MI 0.00 0.00 ░
║ Misc Expense Expense ME 0.00 0.00 ░
║ ░
This will be a very useful screen for you to go to. From this screen
you can view all the accounts which you have created. You can view
the account code, type, Y-T-D balance, and monthly balance.
To begin adding more accounts to this list pull down the FILE menu
and select New Account.
┌──────────────────────────────────────────────────┐
│ (1) Income (3) Credit Card (5) Bank Account │██
│ (2) Expense (4) Liability (6) Asset │██
│ Account Type : │██
│ Description : │██
│ Code : │██
│ Y-T-D Balance : │██
│Monthly Budget : │██
├──────────────────────────────────────────────────┤██
│ <F9=CREATE> <Esc=Cancel> <F10=Help> │██
└──────────────────────────────────────────────────┘██
████████████████████████████████████████████████████
Each account you create must have a unique two digit account code
attached to it. For most activities involving accounts, if you enter the
account code first, the name, description, or memo will be
automatically inserted for you.
Generally the account code is somewhat representative of the account
name. For example the account GROCERIES might have an account
code of GR. You have complete control over the account codes
though. You can change the account code for a particular account
even after you've created it.
Some codes are reserved by PCBUDGET. They are G0, G1, G2, G3,
G4, G5, L1, L2, L3, L4, L5, L6, L7, and L8. These codes are used for
Group Entries (G0-G5) and Loans (L1-L8).
Account Types
The following are all the different accounts and account type which
you can create with PCBUDGET.
Income Accounts
Income accounts are those accounts which provide for
the SOURCE of all cash inflows. Such as: Salary,
Dividends, Interest received from Bank Accounts etc. .
.
Generally, you'll mostly be concerned here with the
income you receive from your full time job, your spouses
full time job, or both. If you work and earn a salary (or
if you don't work but still earn a salary!), you'll want to
keep track of how much money you've made throughout
the year. Therefore, you should create an income
account to track your income.
The Y-T-D balance you enter should be what you have
made up to the present time or up the time shown at the
bottom middle of the screen.
The monthly budget for an income account is the
amount which you expect to earn each month.
Expense Accounts
Expense accounts are those accounts which reduce your
net worth when a payment is PAID TO the account.
Examples of these accounts are: Groceries, Telephone,
Electric, Finance Charges, Cable TV, Rent, Gifts . . .
Unfortunately everyone has expenses. I say
unfortunately because expenses are more or less a fact
of life that must be dealt with. Expense don't do
anything except drain your checking account. The best
way to keep a handle on expenses is to create as many
expenses account as necessary. Apply a realistic budget
to each account and stick to your budget. An easy way
out is to lump all expenses into the Misc. Expense
category. While this may simplify your budget, you'll
have a hard time figuring out where all your money
goes. Of course you can't possibly create an account for
every expense conceivable. PCBUDGET allows up to
50 expense accounts. This should give you plenty of
room to build a sensible list of expenses which you may
need. To give you an example, here's a list which may
help:
Misc Expense
Entertainment
Finance Charges (non tax deductible)
Finance Charges (tax deductible) *
Groceries
Home Improvements
Child Care *
Rent
Clothes
Federal Taxes *
State Taxes *
F.I.C.A. *
Home Owners Insurance
Auto Insurance
Life Insurance
Auto Expenses
Hobbies
Computer Hardware/Software
Medical/Dental *
Goodwill *
Household Appliances
Electric Utilities
Telephone
This list should get you started anyway. Not all the
items may apply to you and there may be (and probably
are) items which you'd like to add to the list.
The items marked with the star * should be created if
you're going to be using the income tax estimator.
The budget amount for an expense account should be
the amount you expect to spend each month for the
given account.
Credit Card Accounts
Credit Card Accounts identify the credit cards which you
own. Credit cards can be handled one of two ways
depending on the type of credit card or by the way you
make the payment.
If the credit card is one which requires you to pay the
full balance each month, you may not need to create a
credit card account. For this type of credit card you only
need to create the accounts which might be used when
making purchases with the credit card. Then when the
credit card bill is paid, select your checking account and
make the payment Paid To the type of account which
was used when the credit card purchase was made. If
the credit card was used to purchase a number of items
and each item is from a different type of account, you
can use the account code 'G0' when making the
transaction. The code 'G0' (Group Entry) allows you to
break the transaction down into multiple transactions.
For example suppose within a one months time frame
you used your credit card to purchase clothes (expense
account code 'CL') for $60 and also to purchase dinner
at a restaurant (expense account code 'FO') for $40.
When your credit card bill is paid, you could simply
select your checking account, enter $100 in the Amount
field and the account code 'G0' in the Paid To field.
Then, you could break the transaction down into $60 for
code 'CL' and $40 for code 'FO'.
For credit cards whose balance is not paid in full each
month, the credit card account should be created. When
a credit card account exists, transaction should be
entered into PCBUDGET whenever the credit card is
used. For example if you used your credit card to
purchase clothes (expense account code 'CL') for $60,
select your credit card account from the transaction
menu and enter $60 in the Amount field and the account
code 'CL' in the PAID TO field and record the
transaction. When your credit card bill is to be paid,
select your checking account from the transactions menu,
enter the amount of the credit card payment in the
Amount field, and enter the credit card account code in
the Paid To field.
The budget for a credit card account should be the net
change which you expect each month for the card. For
example, if the Y-T-D balance on a credit card is $500
and you hope that each month the total balance
decrease by $50, you should enter -50 in the budget field.
You can meet this budget is you spend less than $50 a
month using the card and make a $100 payment toward
the card.
Liability Accounts
Liability Accounts are those accounts which identify
money which you owe to other people (other than credit
cards). Examples of liability accounts are: mortgage, car
loan, student loan, or basically any type of loan.
Like expense accounts, liability accounts are nothing to
write home about. There's good news and bad news
about a liability account. First the bad news. You owe,
you owe, you owe! You borrowed money from
somebody and now you have to pay them back. You net
worth is reduced by the amount you borrowed and you
have to pay an interest expense charge each month you
keep the loan. Now for the good news. Every time you
make a payment toward the loan your debt decreases
and the monthly finance charges go down.
After you create your liability account(s), you can create
a Loan. When you create a loan you can automatically
determine how much of your payment reduces the
liability account and how much is made up of interest
expense. See section 5.3 Setting up loans for more
information on loans.
Bank Accounts
Bank Accounts are those accounts such as your savings
account, checking account, IRA, company savings plan,
pension plan . . .
Bank accounts are really just assets (discussed next).
For PCBUDGETs use, you should consider an asset
account a bank account if you normally increase and
decrease its balance. Like a checking account or savings
account. An IRA can be a bank account, your company
savings plan or pension plan can also be considered
bank accounts.
The budget for a bank account should be what you
expect the account to net for the given month.
Generally a checking account will have a budget of $0.
This is because on average this type of account doesn't
increase or decrease (although month to month it may
go up or down, over a whole year the net change will
probably be $0). A saving account, however, should
include a positive monthly budget. This would be saying
that you expect the balance in your savings account to
increase each month.
Asset Accounts
Asset Accounts are those accounts which identify
personal property or the value of an item which could be
converted into cash if sold. Asset accounts are: Value of
your home, automobile, other personal property, stocks,
bonds, mutual funds.
Assets accounts can be a way to offset liability accounts.
For example if you had to create a liability account for
the loan on your new car, it may have been distressing
to know that your net worth had been reduced by the
amount of the loan. If this is the case then you should
also create an asset account which represents the value
of your automobile.
Budget amounts for individual months can be entered by pulling down
the BUDGETS menu and selecting Cost Budgets.
As accounts are created, they will automatically display on the Account
Balances report.
5.2 Modifying Accounts
To modify an account, pull down the REPORTS menu and select
Account Balances. Press the F1 key, and then move the highlight bar
to the account you wish to edit. If you wish to delete the account,
press the F5 key. Otherwise, press the F1 key again. When the
account appears in the Data Entry Window, change the desired items
and then press the F9 key to record the changes.
If you are changing the Y-T-D balance for the account selected you
should keep in mind the month which you are viewing. Generally
speaking, you'd always want to be viewing the actual month when
making Y-T-D balance adjustments. Adjusting the Y-T-D balance
while viewing a previous month doesn't affect the real Y-T-D balance
for the selected account. I say the real Y-T-D balance because when
you are viewing a previous month, the Y-T-D balance displayed is the
Y-T-D balance of that account on the last day of that month.
A good rule of thumb here is to always be viewing the
current month when modifying accounts and account
balances.
5.3 Setting up Loans
To setup a loan you must first create at least two accounts. The first
account is the principle loan account which identifies the debt you owe
to your lender. This account should be a liability account since it is
money which you owe. The second account must be an expense
account which identifies the interest expense incurred whenever you
make a loan payment. If you have many different types of loans, you
can use the same interest expense account for each loan. You should
keep in mind however that some interest is tax deductible and some
isn't. If the loan is a mortgage or home equity loan, the interest is
probably tax deductible and should be categorized differently from
other interest expense. It's probably best to create two different
interest expense accounts. One which is tax deductible, and one which
is not.
After the principle loan account (liability) and interest expense account
(expense) have been created, pull down the FILE menu and select
Setup Loan.
┌───────────────────────────────────────────────────┐
│ Description : │██
│ Principle Loan Account : │██
│ Interest Expense Account : │██
│ Other Account #1 : │██
│ Other Account #2 : │██
│ Other Account #3 : │██
│ Payments made to date : │██
│ Payment Amount : │██
│Number of annual payments : │██
│ Length of loan (years) : │██
│ Annual interest rate : │██
├───────────────────────────────────────────────────┤██
│ <F9=CREATE> <Esc=Cancel> <F10=Help> │██
└───────────────────────────────────────────────────┘██
█████████████████████████████████████████████████████
Enter the following information to setup a loan:
Name: Enter the Name of the loan.
Principle Loan Account: The Principle Loan Account is the liability
account which identifies the dept which you owe to your lender. You
must create the liability account before creating the loan. To create
a liability account, pull down the FILE menu and select NEW
ACCOUNT.
Interest Expense Account: The Interest Expense Account is the
Expense account which will track the finance charges which you pay to
your lender. You must create the expense account before creating the
loan.
Other Account #1, #2, #3: If other accounts are affected by your
loan payment such as; property taxes, insurance, or any other escrow
type account, enter them here. These accounts must be created before
creating the loan.
Payments made to date: Enter the number of payments you have
made so far For example, if you have already made 10 payments
toward this loan, then enter 10.
Payment Amount: Enter the amount of your payment. This amount
should not include amounts which are applied to escrow accounts such
as property taxes, insurance, or other. The amount should only include
the principle and interest portion of the loan payment.
Number of annual payments: Enter the number of payments which
are made each year towards this loan. For a normal loan, this is 12.
Some loans (some mortgages) are paid twice a month, or every two
weeks. For a loan like this, enter 26.
Length of loan (years): Enter the number of years you have to pay the
loan.
Annual interest rate: Enter the annual interest rate for this loan in
percent (9.5, 10.5 . . .)
After your loan has been setup, you can use the account code Lx
(x=1,2,3,4,5,6,7,8) when making transactions. The transaction will
appear as at least two different transactions. The first one will involve
the principle interest account and the second one will involve the
interest expense account. If other accounts (#1, #2, #3) where also
affected by the loan payment, they will also show up as separate
transactions.
6.0 TRANSACTIONS
6.1 Making Transactions
The TRANSACTIONS menu is probably the most important menu
selection of PCBUDGET. With Transaction data entry, you begin to
tell PCBUDGET:
How much money you are spending.
Where you are spending it.
How much you have left.
Of course, since entering transactions is the activity which you will be
using the most, entering the data accurately, efficiently, and quickly is
of most importance.
An example of a transaction might be:
Writing a check from your checking account to pay your
phone bill.
Using your MasterCard to purchase clothes.
Depositing a dividend check into your savings account.
Making a payment to a loan.
Getting paid by your employer.
To make transactions, pull down the TRANSACTIONS menu.
The TRANSACTIONS menu will display all available Bank Accounts,
Credit Cards, and Income accounts. All transactions will originate
from at least one of these accounts.
File Transactions Reports Budgets Graphs Options Help
C T Dt Sr To Chck Description Expense Income Transfer
╔══════════════════════════════════════════════════════════════════════════════╗
║ 01 CH UT 0120 City Utilities 89.60
║ 01 SA CH Paycheck 841.67 ░
║ 01 CH SV Transfer to Savings 100.00 ▒
║ 01 MC CO Computer Equipment 235.00 ▒
║ ▒
║ ┌────────────────────────────────────────────┐ ▒
║ │ Source :Checking Account 99.06│██ ▒
║ │ Amount :45.30 │██ ▒
║ │ Memo :Sams Deli │██ ▒
║ │Paid To :GR │██ ▒
║ │Check # :0121 │██ ▒
║ │ Date :01 │██ ▒
║ │ Tax : │██ ▒
║ │Cleared : │██ ▒
║ ├────────────────────────────────────────────┤██ ▒
║ │ <F9=RECORD> <Esc=Cancel> <F10=Help> │██ ▒
║ └────────────────────────────────────────────┘██ ▒
║ ██████████████████████████████████████████████ ▒
║
╚══════════════════════════════════════════════════════════════════════════════╝
1991 October 01, 1991 8:50 pm Viewing: October
F1:Source/Paid To F3:ACCOUNTS F4:MEMORIZE F5:INSERT F6:UNPAID F9:RECORD
│ │ │ │ │ │
│ │ │ │ │ Press F9 to
│ │ │ │ │ Record the
Press F1 to reverse │ │ │ Press F6 to Transaction.
the Source and │ │ │ insert only
Paid To charges. Press F3 to │ Press F5 the Unpaid items
view and/or │ to insert from the PRRT list.
select from │ any item
accounts. │ from the PRRT list.
│
Press F4 to memorize the transaction and add
it to the PRRT list.
The Transaction Data Entry Window allows you to enter the following
data:
Amount: Enter the amount of the transaction. You
can enter any amount which is greater
than 0 and less than $99,999,999.99.
Memo: Enter a description of the transaction in
the Memo field. When printing checks,
the memo field will be inserted into the
Paid to the order of: line on the check.
Paid to: In the Paid to field, enter the two digit
code for the account which is being
charged for the transaction. To reverse
charges for the transaction, press the F1
key. When you press the F1 key, the
Source account will change to the Paid to
account and the Paid to account will
change to the Source account. Most
transactions will have the Source account
be a bank account or credit card, and the
Paid to account be an Expense.
The following are examples of different types of
transactions and the proper Source and Paid to
designation;
Using your Checking account to pay the City Utilities
bill:
Source :Checking Account (Bank Account decreases)
Paid to :City Utilities (Expense increases)
Using your Checking account to pay your Mastercard
bill:
Source :Checking Account (Bank Account decreases)
Paid to :Mastercard (Credit Card decreases)
Using your Mastercard to buy a new computer monitor:
Source :Mastercard (Credit Card increases)
Paid to :Computer Equipment (Expense increases)
Transferring money from your Savings account to your
Checking Account:
Source :Savings Account (Bank Account decreases)
Paid to :Checking Account (Bank Account increases)
Receiving your paycheck and distributing it to other
accounts:
Source :Paycheck (Income increases)
Paid to :Paycheck Deposit (Group Entry)
(see section 6.3 for more information
on how to handle your paycheck)
PCBUDGET does not allow you to enter
an Income account in the Paid to field.
Logically, a transaction which involves an
Income will always have the Income
account being the Source of cash, and the
other account(s) will be the Paid to
account. PCBUDGET recognizes this.
Therefore, if you make a transaction with
the Paid to account as the Income,
PCBUDGET will automatically switch the
Paid to and Source designation after you
press the F9 (RECORD) key.
Check #: Enter the check number if you are using
your checking account. The check number
will automatically increment if you are
using the account identified by the Main
Checking Account Code. To select the
Main Checking Account Code, pull down
the OPTIONS menu and select
Check/Print. This account code defaults
to CH.
Date: The day of the month defaults to the
current day. The day of the month can be
changed within the transactions Data
Entry Window, and the month can be
changed by opening a different viewing
month (see section 4.2 on how to change
viewing months).
Tax: If the transaction is tax related, place a T
in the tax field. The tax field will be
automatically filled in if the account code
entered has been defined as a Tax code
(see section 8.4).
Cleared: If the transaction has already cleared your
bank or financial institution, type a C in
the Cleared field. Usually this type of
transaction is a result of an unexpected
service charge on your bank statement, or
a check or transaction which the bank
reported but you did not record. Most
transactions that you record will not yet be
cleared by your bank. When you get your
bank statement and you wish to go back
and clear these transactions, pull down the
TRANSACTION menu and select
Reconcile Account. You will then be able
to easily clear all transactions and verify
account balances.
After all information has been entered, press the F9 key to record the
transaction. The transaction will appear in the transaction list in the
order of the date of the month.
Sometimes, there may be more than one way to make a transaction.
For example, suppose you were transferring money from your checking
account to your savings account. You could:
1) Select your Checking Account from the
Transactions menu and enter your Savings
Account two digit code in the Paid to
field.
2) Select your Savings Account from the
Transaction menu, then press the F1 key
to reverse the Source and Paid to accounts,
then enter your Checking Account two
digit code in the Source field.
Both of these transactions would have the same affect on both
accounts and would look the same in the Transaction list.
6.2 Group Entry Transactions
Since PCBUDGET uses a double entry accounting system, all
transactions will affect at least two accounts. For example, when you
write a check from your checking account to pay your telephone bill
the two accounts affected are your checking account (it decreases) and
the Expense account setup for telephone (it increases). There are
some types of transactions, such as your paycheck, which will affect
more than two accounts.
There are two methods of entering group entries.
1) One method uses the account code G0. When the code G0 is
entered in the Paid to field of the Transaction Data Entry
Window, PCBUDGET allows you to separate the amount of
the transaction into as many transactions as desired (max=15).
The accounts affected and the corresponding amounts for each
account are entered as the group transaction is being made. All
transactions will be recorded as soon as the sum of all the
grouped transactions add up to the original amount specified.
2) The other method uses account codes G1 through G5. Account
codes G1 through G5 are Programmed Group Entries.
Programmed group entries should be used when a certain
transaction will always affect the same accounts and the
amounts given for each account are relatively the same each
time the transaction is made. You can program group entries
by pulling down the FILE menu and selecting Setup Group.
Lets say for example that you have an American Express card.
The balance of this card must be paid off every month.
Therefore you only need to create the accounts which will be
affected when you use the card. Pull down the FILE menu and
select Setup Group. Enter a name for the group and all account
codes which might be affected when the group transaction is
made. In this example, the payment made to the American
Express card affects up to 4 different accounts. ME (Misc
Expense), CL (Clothes), EN (Entertainment), and HI (Home
Improvements).
┌─────────────────────────────────────┐
│ Transaction Group 1 │██
├─────────────────────────────────────┤██
│Group Name :American Express │██
│ Code 1 :ME │██
│ Code 2 :CL │██
│ Code 3 :EN │██
│ Code 4 :HI │██
│ Code 5 : │██
│ Code 6 : │██
│ Code 7 : │██
│ Code 8 : │██
│ Code 9 : │██
│ Code 10 : │██
│ Code 11 : │██
│ Code 12 : │██
│ Code 13 : │██
│ Code 14 : │██
│ Code 15 : │██
├─────────────────────────────────────┤██
│<F9=RECORD> <Esc=Cancel> <F10=Help>│██
└─────────────────────────────────────┘██
███████████████████████████████████████
Press the F9 key to record the group.
When you're ready to make a payment towards your American
Express card, pull down the TRANSACTIONS menu and select
your checking account. In the Amount field enter the amount
of the payment. In the Paid to field enter the code G1
(American Express should be entered automatically if you leave
the Memo field blank).
┌────────────────────────────────────────────┐
│ Source :Checking Account 99.06│██
│ Amount :227.50 │██
│ Memo :American Express │██
│Paid To :G1 │██
│Check # :0121 │██
│ Date :01 │██
│ Tax : │██
│Cleared : │██
├────────────────────────────────────────────┤██
│ <F9=RECORD> <Esc=Cancel> <F10=Help> │██
└────────────────────────────────────────────┘██
██████████████████████████████████████████████
When you press the F9 key to record the transaction you will
get another data entry window which looks like:
┌─────────────────────────────────────────┐
│ American Express 227.50 │██
│ ME Misc Expense : 0.00 │██
│ CL Clothes : 0.00 │██
│ EN Entertainment : 0.00 │██
│ HI Home Improvement : 0.00 │██
├─────────────────────────────────────────┤██
│ <F9=RECORD> <Esc=Cancel> <F10=Help> │██
└─────────────────────────────────────────┘██
███████████████████████████████████████████
Now you can enter the amount which should be applied to each
account. The total amount of all accounts should equal the
original amount specified (in this case it's $227.50). To get a
total of the amounts you can press the F5 key. The information
bar will tell you the total amount each account added together.
Now when you press the F9 key, all transactions will be
recorded.
Sometimes there may be payments towards your Group Entry
which don't affect all the accounts setup for the group. In these
cases you can simply enter an amount of $0. PCBUDGET will
automatically ignore the transaction using that account code.
The next section Paycheck discusses a convenient way to handle your
paycheck using Programmed Group Entries.
6.3 Paycheck
The most accurate method of recording your paycheck is to identify
and create all accounts which are affected when you receive your
check.
For example, suppose your paycheck is as follows:
GROSS PAY : 1000.00 (Income)
FEDERAL TAXES : 280.00 (Expense)
F.I.C.A : 75.00 (Expense)
STATE TAXES : 45.00 (Expense)
COMPANY SAVINGS PLAN : 80.00 (Bank Account)
PENSION : 10.00 (Bank Account)
COMPANY LIFE INSURANCE : 4.00 (Expense)
NET PAY : 506.00
The first thing you should do is create an Income account. You can
call it 'Salary' or anything like that. Next, you should create an
account for each of the items which are deducted from your 'Salary'.
Therefore, if the above example is similar to your paycheck, you should
create the Expense account FEDERAL TAXES, FICA, STATE
TAXES, and COMPANY LIFE INSURANCE. You should also
create the Bank Accounts COMPANY SAVINGS PLAN, and
PENSION. Company Savings Plan and Pension can be considered
Bank Accounts or Asset Accounts. The bottom line here is that these
accounts have a value which increase each time you get paid.
After all accounts have been created, pull down the FILE menu and
select Setup Group. If this is the first group you are creating, enter a
1 (for Group Number 1). You will then be allowed to specify which
accounts will be affected by group 1. Enter all the account codes
which are affected by your paycheck.
┌─────────────────────────────────────┐
│ Transaction Group 1 │██
├─────────────────────────────────────┤██
│Group Name :Paycheck │██
│ Code 1 :FT │██
│ Code 2 :FI │██
│ Code 3 :ST │██
│ Code 4 :CS │██
│ Code 5 :PE │██
│ Code 6 :IS │██
│ Code 7 :CH │██
│ Code 8 :SV │██
│ Code 9 : │██
│ Code 10 : │██
│ Code 11 : │██
│ Code 12 : │██
│ Code 13 : │██
│ Code 14 : │██
│ Code 15 : │██
├─────────────────────────────────────┤██
│<F9=RECORD> <Esc=Cancel> <F10=Help>│██
└─────────────────────────────────────┘██
███████████████████████████████████████
You should keep in mind that the account(s) which receive your NET
PAY must also be accounted for. For example, if your NET PAY is
usually deposited into your Checking Account, then your Checking
Account should also be one of the accounts in the Group. If
sometimes you deposit some of the NET PAY into your Checking
Account and some of it into your Savings Account or other bank
account, then you should include both accounts as part of the Group.
There probably are times when you receive cash back from your check.
For example, you get paid and go to the bank and deposit some of it
in checking, maybe some in savings, and perhaps $50 or so you get
back and put in your pocket. You'll have to account for that $50. Ask
yourself what you're going to do with it. Does it just get spent on
miscellaneous things that arise? If so, you might just charge it to ME
(Misc Expense). Are you getting cash because you're going out of
town for a long weekend or holiday? In this case you may want to
charge it to EN (Entertainment). In any event, you may want to
include in the Group the account codes for these types if cash
withdrawals.
To record your paycheck, select your Income account from the
TRANSACTIONS menu (that's the one called 'Salary' which you've
created). Enter the GROSS amount of your check in the Amount
field. Next, enter the code 'G1' (Group Entry 1) in the Paid To field
and press F9.
┌────────────────────────────────────────────┐
│ Source :Salary 99.06│██
│ Amount :1000.00 │██
│ Memo :Paycheck │██
│Paid To :G1 │██
│Check # : │██
│ Date :01 │██
│ Tax : │██
│Cleared : │██
├────────────────────────────────────────────┤██
│ <F9=RECORD> <Esc=Cancel> <F10=Help> │██
└────────────────────────────────────────────┘██
██████████████████████████████████████████████
When you press the F9 key to record the transaction you will get
another data entry window which looks like:
┌─────────────────────────────────────────┐
│ Paycheck 1000.00 │██
│ FT Federal Taxes : 280.00 │██
│ FI F.I.C.A : 75.00 │██
│ ST State Taxes : 45.00 │██
│ CS Company Savings Plan : 80.00 │██
│ PE Pension Plan : 10.00 │██
│ IS Company Life Insurance : 4.00 │██
│ CH Checking Account : 456.00 │██
│ SV Savings Account : 50.00 │██
├─────────────────────────────────────────┤██
│ <F9=RECORD> <Esc=Cancel> <F10=Help> │██
└─────────────────────────────────────────┘██
███████████████████████████████████████████
Enter each amount next to its corresponding account name. Press the
F9 key and all transactions will be recorded.
PCBUDGET will remember the values entered whenever you use a
Programmed Group Entry. Therefore, if your paycheck never changes
(or seldom changes) you should only have to enter the numbers once.
The next time you use the Group the values will default to those used
previously.
6.4 Modifying Transactions
To edit a transaction, pull down the REPORTS menu and select
Transaction List, or if you are currently making transactions, press the
ESC key to erase the Transaction Data Entry Window. Press the F1
key and then move the highlight bar to the transaction you wish to
edit. If you wish to delete the transaction, press the F5 key.
Otherwise, press the F1 key again. When the transaction appears in
the Data Entry Window, change the desired items and then press the
F9 key to record the changes.
You can modify or delete a transaction in the viewing month or in a
previous month. When you modify or delete a transaction in a
previous month all account balances for both accounts affected will be
updated and transferred forward to the current month.
6.5 Automatic Transaction Entry
Transactions can be entered into the Transaction Data Entry Window
automatically by using the F5 or F6 key. Before these keys can be
used, however, the Payment Reminder or Recurring Transaction
(PRRT) list must have entries in it. You can add items to the PRRT
list one of two ways.
The first and easiest way to add items to the PRRT list is to insert
them as you are making transactions. When you're making a
transaction, just prior to pressing the F9 key to record the transaction,
press the F4 key. This will automatically add the item to the PRRT
list. An item added this way will show up as being due again the
following month on the same day with 7 days notice before a reminder
is posted.
The other way to add items to the PRRT list is to manually enter them
in the PAYMENT REMINDERS screen. See section 9.1 PAYMENT
REMINDERS for more information on entering through the
PAYMENT REMINDER screen.
After items have been placed in the PRRT list, pressing the F5 key
will insert them automatically into the Transaction Data Entry
Window. After the transaction has been recorded, the item in the
PRRT list will be marked as Paid for that month. Pressing the F6 key
will insert only those PRRT items which have not been marked as
Paid. Therefore, if all of your monthly bills are placed in the PRRT
list, you need only press the F6 key and enter the correct amount.
After all PRRT items have been marked as Paid, PCBUDGET will
beep whenever the F6 key is pressed.
6.6 Reconciling Accounts
Reconciling an account will verify that the bank balance (shown on
your bank statement) and the PCBUDGET balance agree.
RECONCILE ACCOUNT will gather all uncleared transactions for
the given year and add the amount to the current balance in that
account (deposits are subtracted). The resulting total should be equal
to the balance shown on your bank statement. An uncleared
transaction is a transaction which does not have a C placed next to it
in the left most column of the transaction list.
For example, suppose your current checking account balance
(according to PCBUDGET) is $100. PCBUDGET will start with $100
and begin to add all the uncleared transactions which have reduced
your checking account balance (Withdrawals). The reason the
transactions are added to the current balance is because your bank
does not know they have occurred yet. Therefore the your bank will
think that your balance is much higher than it really is. Likewise,
PCBUDGET will total all uncleared transactions which have increased
the balance in your checking account (deposits). The total of these
transactions will be subtracted from your current checking account
balance. In this case, your bank does not know yet that the deposit has
taken place and therefore they think you have less than what you really
have. This results in:
Bank Balance = Current Balance + Uncleared Withdrawals - Uncleared Deposits
File Transactions Reports Budgets Graphs Options Help
C Date Chck Description Debits Credits
╔══════════════════════════════════════════════════════════════════════════════╗
║ Sep 03 0107 Visa 60.68
║ Sep 04 Misc Exp. (Money Machine) 100.00 ▒
║ Sep 10 0108 Dr. Bennett M.D. 65.00 ▒
║ Sep 15 0109 Hill Town Hardware 17.69 ▒
║ Sep 23 0110 The Computer Warehouse 138.50 ▒
║ Oct 02 0111 Jill's clothing outlet 10.00 ▒
║ Oct 02 Paycheck 1241.86 ▒
║ Oct 02 Transfer to Savings 100.00 ▒
║ Oct 05 0112 TV Cable Company 24.03 ▒
║ Oct 05 0113 Waterfall Electric 123.12 ▒
║ Oct 05 0114 Allstatement Insurance 265.27 ▒
║ ▒
║ ░
║ ▒
║ ▒
║ ▒
║ ▒
║ ▒
║
╚══════════════════════════════════════════════════════════════════════════════╝
1991 October 25, 1991 3:55 pm Viewing: September
F1=MODIFY Press [ENTER] to clear transaction. Bank Balance: 131.98
│
This balance should agree │
with your bank statement ────────┘
To reconcile an account, pull down the TRANSACTIONS menu and
select Reconcile Account. Then select the account you wish to
reconcile. The reconcile screen will appear similar to the one shown
above.
If no transactions exist for the selected account or all transactions have
already been cleared (i.e. a C has been placed in all transactions for
the given account), you will receive a message stating that all
transactions have been cleared and that a reconcile is not required.
The reconcile screen is slightly different from the normal transaction
list which you may be used to seeing. The reconcile screen only
displays the uncleared transactions which used the account selected.
The reconcile screen displays all withdrawals from your checking
account in the Debit column and all deposits into your checking
account in the Credit column. This format should more closely
resemble your bank statement.
To begin clearing transactions, simply use the arrow keys to move to
the transaction which matches your bank statement and press the
[Enter] key. If the transaction has an error in it, you can press the F1
key to modify the transaction. You can modify the check number,
memo, and the amount. Press the F9 key to record the modifications.
You will notice that as transactions are cleared, the bank balance
shown at the bottom left corner of the screen changes. Clearing a
Withdrawal will subtract that amount, clearing a deposit adds that
amount. After all transactions have been cleared, the bank balance
shown at the bottom right of the screen should agree with the bank
balance shown on your statement.
If difference exists, you can look for:
Service charges that haven't been entered into
PCBUDGET.
Errors in numeric entry. If the error is off by 9 cents or
9 dollars you probably have two numbers transposed.
For example you may have 10.54 entered when the
actual value was 10.45. Or, you may have 34.20 when
the correct value is 43.20.
If errors still exist, you may have entered an incorrect balance for the
account when you first started PCBUDGET. If the is the first time
you have reconciled the account this is probably the problem.
Determine how much you are off by and then pull down the
REPORTS menu and select Account Balances. Press F1 to modify the
account. Adjust the Y-T-D balance up or down depending on how
much the account is off by. After you have adjusted the account go
back an reconcile the account again. This time the bank balance
should agree. If the balance is off by twice as much as it was before,
you adjusted the account in the wrong direction. Go back to Account
Balances and adjust the account the other way.
When reconciling credit cards the same procedure is followed. The
method of computing the credit card balance is reversed however. For
a credit card, the current balance (PCBUDGET balance) is used as a
starting point. Then all uncleared transactions which use the card to
make purchases are subtracted from the current balance. All
uncleared transactions which apply payments toward the credit card
are added to the current balance. The result should be equal to the
balance as seen by your credit card company.
Don't be alarmed if a transactions doesn't appear in the reconcile list
which appears in your bank statement. You may have already cleared
the transaction. For example, suppose you withdraw $100 from your
checking account and place it in your savings account. If you reconcile
your savings account first, you will probably clear the deposit of $100
into your savings account. Then if you go to clear your checking
account, the checking account bank statement will show a withdrawal
of $100 but the reconcile list will not display that transaction. This is
because it has already been cleared when you cleared your savings
account.
When you start a new year all uncleared transactions get recorded to
your data file. Therefore, when you reconcile an account early in a
year you can view and clear the transactions from the previous year.
After the transaction has been cleared you will no longer be able to
view the transaction.
7.0 BUDGETS
PCBUDGET provides multiple methods of reporting and viewing the
budgets of the accounts on your data file. Cost Budgets can be
prepared for every account on your data file. The Profit Budget
reports your actual vs. projected income and expenses. The Cash
Budget allows you to view how much cash will be required to meet
expenses, payments to debt, and transfers to bank accounts. The
Budgeted Cash Flow reports how well you met your cash flow needs
and requirements.
The budgets which report actual vs. projected amounts also will report
the variance. Variance is the deviation of the actual result from the
projected or budgeted result. All variances are favorable F or
unfavorable U. You will notice while viewing your budgets the F and
U placed in the right most column of the budgeted report. A favorable
F result indicates that you were on or better than the budgeted amount
for that account or accounts. An unfavorable U result, however,
indicates that you failed to meet the budgeted amount.
7.1 Cost Budgets
Cost Budgets, by definition are the monthly budgeted amounts for all
expenses. As well as expenses, PCBUDGET allows the monthly
budgeted amounts to be made for all types of accounts. These budgets
allows you to view the actual vs. budgeted amounts for any account
over the entire year. When the Cost Budget is viewed for the first
time, the budget amounts are equal to the budgeted amounts specified
when the account was created. Pull down the BUDGETS menu and
select Cost Budgets. A listing of all created accounts will display in a
window. Select the account which you wish to budget.
Cost Budgets Actual Budget Variance
══════════════════════════════════════════════════════
───── City Utilities ─────
January 187.00 175.00 12.00 U
February 170.00 175.00 5.00 F
March 160.00 175.00 15.00 F
April 210.00 175.00 35.00 U
May 200.00 175.00 25.00 U
June 190.00 175.00 15.00 U
July 175.00 175.00 0.00 F
August 180.00 175.00 5.00 U
September 180.00 175.00 5.00 U
October 89.60 175.00 85.40 F
November 0.00 175.00 175.00 F
December 0.00 175.00 175.00 F
───────── ───────── ──────────
Totals 1741.60 2100.00 358.40 F
══════════ ═════════ ══════════
In this example, we have chosen to budget the City Utilities Account.
When we created the account, we specified a monthly budget of
$175.00. Therefore, all months display the $175 budget. From here,
we can modify the budgets of the individual months by pressing the F1
key. With the arrow keys, move to the month you wish to change and
enter the new value. Press the F9 key to record the budget amounts.
The actual amount is the amount of activity for that account during the
month. This is important to remember when you are budgeting things
like Credit Cards and Bank Accounts.
For example, suppose you wanted to save $150 dollars every month in
your savings account. To do this, the NET increase in your savings
account should be $150, therefore the budget should be a plus $150.
At the same time, suppose you have a large balance on your credit
card, and you would like to see the balance decrease by $100 each
month. To do this, the NET decrease should be $100, and the
budgeted amount would be a minus $100 (or -$100). If you enter a
plus $100 for your credit card budget, that would mean that you expect
the credit card balance to increase. For most people, this is
undesirable. The only advantage of this is it would free up more cash
for you to use on expenses, or to pay off other credit cards or debt.
Remember that Assets and Bank Accounts are treated alike, and
Credit Cards and Liabilities are treated alike.
7.2 Profit Budget
The Profit Budget (also called Budgeted Income and Expenses)
displays the actual vs. budgeted profit for your household for the given
month. This net profit (or loss), is the amount of change in your Net
Worth. Therefore, if all your Cost Budgets for your Expenses and
Incomes have been entered and are correct, and the Profit Budget
displays a positive Net Income, your Net Worth should increase by that
amount. You may ask yourself, where does the rest of the money go?
Well, you should notice that the Profit Budget does not include your
payments to your credit cards, principle toward your mortgage
payment, or the amount of money you wish to put into savings each
week. All of these items (increases in assets and decreases in
liabilities) are those which will increase your Net Worth, and this
should be the goal of every household. If your Profit Budget shows a
negative Net Income, verify that you have estimated your monthly
income properly. Also, check that each Budgeted Expense has been
estimated properly. When your actual expenses are less then your
budgeted expenses, PCBUDGET will place an F for Favorable next to
that expense. On the other hand, if your actual expense is greater than
the budgeted, then PCBUDGET will place a U for Unfavorable next
to the account. Your income will also display Favorable and
Unfavorable results.
7.3 Cash Budget
The Cash Budget is a detailed plan of future cash flows. It has two
primary elements, cash inflows and cash outflows. Cash inflows are
provided from income. Cash outflows are made up of expenses,
payments made to decrease debt, and payments made to increase Bank
accounts and other Assets.
Cash Budget September October November December
═════════════════════════════════════════════════════════════════════════════
Raymond Smith
Cash Budget
Period ending December 31, 1991
Beginning Cash Balance 0.00 -35.00 -70.00 -55.00
Sources of Cash Inflows
Misc Income 0.00 0.00 0.00 0.00
Paycheck 1350.00 1350.00 1400.00 1550.00
─────────── ─────────── ─────────── ───────────
Total Cash Inflows 1350.00 1350.00 1400.00 1550.00
─────────── ─────────── ─────────── ───────────
Sources of cash outflows
Misc Expense 0.00 0.00 0.00 0.00
City Utilities 175.00 175.00 175.00 175.00
Groceries 250.00 250.00 250.00 250.00
Finance Charge 600.00 600.00 600.00 600.00
─────────── ─────────── ─────────── ───────────
Total cash expenses 1025.00 1025.00 1025.00 1025.00
─────────── ─────────── ─────────── ───────────
Visa 100.00 100.00 100.00 100.00
─────────── ─────────── ─────────── ───────────
Total payments to credit cards 100.00 100.00 100.00 100.00
─────────── ─────────── ─────────── ───────────
Home Mortgage 110.00 110.00 110.00 110.00
─────────── ─────────── ─────────── ───────────
Total payments to other debt 110.00 110.00 110.00 110.00
─────────── ─────────── ─────────── ───────────
Checking Account 0.00 0.00 0.00 0.00
Savings Account 100.00 100.00 100.00 100.00
IRA Account 50.00 50.00 50.00 50.00
─────────── ─────────── ─────────── ───────────
Ttl payments to bank accounts 150.00 150.00 150.00 150.00
─────────── ─────────── ─────────── ───────────
Personal Property 0.00 0.00 0.00 0.00
─────────── ─────────── ─────────── ───────────
Total payments to other assets 0.00 0.00 0.00 0.00
─────────── ─────────── ─────────── ───────────
Total Cash Outflows 1385.00 1385.00 1385.00 1385.00
─────────── ─────────── ─────────── ───────────
Ending cash balance -35.00 -70.00 15.00 110.00
═══════════ ═══════════ ═══════════ ═══════════
The Beginning Cash Balance used by the Cash Budget is the balance
of the account identified by the Main Checking Account Code.
PCBUDGET assumes that payments to the Sources of Cash Outflows
originate from this account. To change this account code, pull down
the OPTIONS menu and select Check/Print.
7.4 Budgeted Cash Flows
The Budgeted Cash Flow is similar to the Cash Budget, except that it
reports the actual vs. projected cash flow for the current viewing
month.
8.0 REPORTS
To select reports, pull down the REPORTS menu and select the report
you wish to view.
8.1 Personal Net Worth
PCBUDGET will calculate your net worth automatically every time
you select Personal Net Worth. Your Personal net worth reports all of
your Bank Accounts, Assets, Liabilities, and Credit Cards. Your net
worth is defined as your total assets and bank accounts minus your
total liabilities and credit cards.
8.2 Income and Expense
The Income and Expense report reports all of your monthly and year-
to-date income and expenses.
8.3 Account Balances
To view your account balances, pull down the REPORTS menu and
select Account Balances. This selection displays all accounts currently
in your data file. It displays the name of the account, the type of
account, the account code, the balance for the viewing month, and the
year-to-date balance. To edit an account name, balance, code, or to
delete an account, press the F1 key.
8.4 Federal Income Tax Estimator
This selection allows you to estimate your personal Federal Income
Taxes. To record your filing status, number of exemptions, and which
account codes are being used for taxable categories, pull down the
OPTIONS menu and select Tax ID Codes:
┌───────────────────────────────────────────────┐
│ INCOME │██
│ Gross Income from your W2 : │██
│ Gross Income from other W2 : │██
│ Interest Income from all 1099's : │██
│ Dividend Income : │██
│Taxable refunds of state/local income taxes : │██
│ Alimony received : │██
│ Net profit/loss from schedule C : │██
│ Capital gain/loss from schedule D : │██
│ Total taxable IRA distribution : │██
│ Total Taxable pension/annuity distribution : │██
│ Rents royalties from schedule E : │██
│ Farm income from schedule F : │██
│ Taxable social security benefits : │██
│ Other income not above: │██
├───────────────────────────────────────────────┤██
│ <F9=RECORD> <Esc=Cancel> <F10=Help> │██
└───────────────────────────────────────────────┘██
████████████████████████████████████████████████
Enter the two digit account code for each item that applies to your
Personal Federal Income Tax. You can press the F3 key to view all
account codes.
To estimate your Personal Federal Income Tax, pull down the
REPORTS menu and select Tax Estimator. Enter the amount(s) of
income, adjustments to income, and itemized deductions on each line
as they apply. If you have identified an account code for a taxable
item, the amount of each item will be the total amount PCBUDGET
has recorded to date. If you are estimating your taxes to the year end,
PCBUDGET will take the year-to-date figure, and based on that, it
will estimate the year end amount. For example, suppose it is the end
of August (243 days into the year), and you have identified an income
account code in the TAX ID CODES and its year to date amount is
$23,000. PCBUDGET will compute the estimated year end income to
be $34,546 (23000 / 243 * 365).
If you do not have your TAX ID CODES identified, the Tax Estimator
can still be used. All data, however, will have to be entered manually.
Tax laws are always changing. PCBUDGET Version 2.4 was written
around the 1991 tax laws. The file on your program disk named
PCBUDGET.TAX contains the tax tables for the 1991 tax year. If the
tax laws change for 1991, a new version of PCBUDGET or a new
PCBUDGET.TAX file will be available to accommodate the new tax
laws.
9.0 ADVANCED FEATURES
9.1 Payment Reminders Recurring Transactions (PRRT)
To view and/or add items to the PRRT list, pull down the REPORTS
menu and select Payment Reminders. Items in the PRRT list are those
transactions which are made on a regular basis or those which you wish
to be alerted of when they become due. When making transactions,
press the F5 or F6 key to automatically insert PRRT items into the
transaction input window. This payment will then be marked as Paid.
When PCBUDGET first runs, it looks at the unpaid bills which are
due at that time. PCBUDGET will then alarm you that there are bills
which need to be paid in the Enter date Data Entry Window.
File Transactions Reports Budgets Graphs Options Help
Payment Reminder JFMAMJJASOND Due Ntc Code Amount Source
╔══════════════════════════════════════════════════════════════════════════════╗
║City Utilities PPPPXXX 15 7 CU 89.60 CH
║ ░
║ ┌────────────────────────────────────────┐ ▒
║ │ Bill Payment : │██ ▒
║ │ Code : │██ ▒
║ │ Date due : │██ ▒
║ │ Days notice : │██ ▒
║ │ Amount : │██ ▒
║ │ Auto Source : │██ ▒
║ │Paid in Month : XXX │██ ▒
║ │ JFMAMJJASOND │██ ▒
║ ├────────────────────────────────────────┤██ ▒
║ │ <F9=RECORD> <Esc=Cancel> <F10=Help> │██ ▒
║ └────────────────────────────────────────┘██ ▒
║ ██████████████████████████████████████████ ▒
║ ▒
║ ▒
║ ▒
║
╚══════════════════════════════════════════════════════════════════════════════╝
1991 October 01, 1991 8:50 pm Viewing: October
F9:RECORD Payment reminder Total Bills due in October is 89.60
The bottom right-hand corner of the PRRT list displays the total
amount due for the given month.
To modify or delete items from the PRRT list, cancel the PRRT Data
Entry Window by pressing the ESC key, then press the F1 key and
move the highlight bar to the PRRT item you wish to modify or delete.
To delete the item, press the F5 key. Otherwise, to modify the item
press the F1 key again and make the necessary modifications, then
press the F9 key to record the changes.
You can add items to the PRRT list automatically when making
transactions by pressing the F4 key just prior to recording the
transaction. Adding an item this way will set the Date due to the date
entered in the Transaction Data Entry Window and the Days notice
will be set to 7.
If you wish the transaction to automatically occur when the payment
becomes due, enter a Source code in the Auto Source field. The Source
code is the account which will provide for the source of funds to make
the payment. For example, your bank may automatically withdraw
money from your checking account each month to pay a certain loan
or other bill payment. In this case, the Auto Source is the account
code for your checking account. The Code field is the Paid to account
for the transaction. Therefore, if the payment is payment toward a
loan, the Code field should contain the loan code (L1-L8) which
identifies that loan. If the payment is paying an expense account, then
the Code field should contain the account code for the expense account
being charged.
In the example above, a PRRT item has been setup for the 'City
Utilities' bill. In this example, the 'City Utilities' expense has the
account code of CU. The payment is due on the 15th of the month
with 7 days notice. As soon as a date is entered which is within 7 days
of the 15th of the month, this payment will automatically take place.
A transaction will show up in the Transactions window which shows a
withdrawal from your checking account (account code CH) and paid
to the 'City Utilities' account (account code CU) for the amount of
$89.60.
9.2 Mailing List
To view and/or add items to your mailing list, pull down the
REPORTS menu and select Mailing List. If the first 15 characters of
the first line of the mailing list item is the same as an Account Name
on your data file, this mailing list item will be automatically inserted
when you print a check. Press the F3 key to view all accounts which
are currently on your data file. Press the F1 key to edit or delete a
mailing list item.
When a mailing list item is displayed in the Data Entry Window, you
can,
Press the F1 key to print the item on an envelope.
Press the F5 key to print the item on a label.
Press the F9 key to record the new or modified item.
When printing a mailing list item on an envelope, your return address
can also be printed if you have entered your name and address. To
enter your name and address, pull down the OPTIONS menu and
select Name and Address. If you do not want a return address printed
on the envelope, pull down the OPTIONS menu and select
Check/Print.
9.3 Search for items
To search the viewing month for any particular sequence of characters,
pull down the REPORTS menu and select Search for Items.
PCBUDGET will search all transactions for the sequence of characters
that you have specified. To search for TAX ITEMS, press the F5 key.
PCBUDGET will search for all transactions marked with a T in the tax
column.
9.4 Loan Amortization
To generate a loan amortization schedule, pull down the REPORTS
menu and select Loan Amortization. You must enter the amount of
the loan, the length of the loan, the interest rate percentage, and the
first payment you want to be display.
The maximum number of months allowed is 360 months (30 years).
Depending on what type of computer you have, the speed to determine
360 loan payments will vary, but may take up to 60 seconds. If you are
only interested in the actual monthly payment, then enter the 'months'
into the First payment field. For example, if you are computing a loan
over a period of 360 months, enter 360 in the First payment field. This
will very quickly give you the monthly payment for a loan of that
length.
9.5 Accumulation Schedule
The flip side of the loan amortization schedule, is the accumulation
schedule. To generate a report of compounding interest for any initial
value of money and/or time deposits for any length of time, pull down
the REPORTS menu and select Accumulation Schedule. The
accumulation schedule can be used to determine how much money you
will have for, Retirement, College Tuition, New Home, New
Automobile, etc. . .
10.0 BAR GRAPHS
Thus far, you have used numbers and reports to view your financial
status and progress. Another method provided by PCBUDGET is the
use of Bar Graphs. To view Bar Graphs, pull down the GRAPHS
menu and select the type of Bar Graph you wish to view.
There are five major types of Bar Graphs available.
─────────────────────────────────────────────────────────────
Type Bar 1 Bar 2 Bar 3
─────────────────────────────────────────────────────────────
Net Worth Y-T-D - -
Income and Expenses Month Y-T-D -
Account Totals Month Budget Y-T-D
Account Distributions Account - -
Selected Account Month Budget Y-T-D
For all graphs except Account Distributions, the horizontal axis is time
in months. The time span defaults to January through December. To
change the time span, select the Parameters from the GRAPHS menu
and enter the new time span. The Parameters menu selection also
allows you to change the Minimum and Maximum dollar values shown
on the vertical axis. If you enter values in these field, you must set the
scaling parameter to M for manual scaling. PCBUDGET will default
to A (auto) scaling. You can also enter the maximum number of bars
which you want displayed. Some graphs allow up to 3 different bars
per time period. If you only wish to view 1 bar for example, enter a
1 in the Maximum bars field.
For Account Distributions, the horizontal axis is all of your accounts
for the selected distribution. The axis is labeled with the two digit
account codes for each account.
When you are viewing Account Totals for Bank Accounts, Assets,
Liabilities, and Credit Cards, the bar graph will be displaying the
change in that account for the given time period. For example, if you
had $2000 in your savings account at the end of March, and $2150 at
the end of April, the bar graph for April will show $150.
To print graphics, press the P key while you are viewing the graph.
For best results, select a screen mode which has a two color contrast.
These modes include: VGA and MONO. PCBUDGET will print to
any standard graphics printer.
11.0 OTHER OPTIONS
11.1 Printing Reports
To print reports, select the report you wish to print by pulling down
the REPORTS menu and selecting a report. Then, pull down the
FILE menu and select Print. Be sure your printer is ON-LINE and is
connected to LPT1:
11.2 Enable Check Printing
You can use PCBUDGET to print checks as you are making
transactions. To enable check printing, pull down the OPTIONS menu
and select Checks/Print. Enter the 2 digit account code you wish to
use for printing checks (in most cases this will be CH). Whenever you
use the account which has this account code, you will be asked to if
you wish to print the check. To disable check printing, enter a blank
in the account code field.
The format used for printing checks is shown below. This type of
check has two parts to it. The top part is a copy of the check which
you keep for your records. The bottom part is the actual check.
8 1/2 inches wide 7 inches high
(copy is 3 1/2 inches high and check is 3 1/2 inches high)
┌──────────────────────────────────────────────────────────────────────┐
│ │
│ │
│ Your copy of check │
│ │
│ │
│ │
│ │
│ │
│ │
│ │
│ │
│----------------------------------------------------------------------│
│ Name Date │
│ & │
│ Address │
│ $ amount │
│ │
│ PAY : amount │
│ │
│ TO THE │
│ ORDER OF : │
│ │
│ ────────────────────────── │
└──────────────────────────────────────────────────────────────────────┘
It may be best to experiment first by placing a blank sheet of paper
into your printer to get an idea of what the output is going to look like.
Your local bank or printer can supply you with a variety of computer
printed checks which meet this format.
11.3 Pop-up Calendar
To select the Pop-up Calendar, pull down the OPTIONS menu and
select Popup Calendar. The calendar defaults the month and year to
the current date.
You can pop-up the calendar at any time by holding down the CTRL
key and pressing the C key. Press the ESC key to cancel the calendar.
11.4 Pop-up Calculator
To select the Pop-up Calculator, pull down the OPTIONS menu and
select Popup Calculator. The calculator allows addition, subtraction,
multiplication, and division operands. To use the calculator, simply
type out the math expression just as you would on a piece of paper.
For example, to subtract 15.35 from 39.50, you should enter,
┌──────────────────────────────────────┐
│39.50-15.35 │██
├──────────────────────────────────────┤██
│ [7] [8] [9] [+] │██
│ [4] [5] [6] [-] │██
│ [1] [2] [3] [*] │██
│ [0] [/] │██
├──────────────────────────────────────┤██
│<F9=COMPUTE> <Esc=Cancel> <F10=Help>│██
└──────────────────────────────────────┘██
████████████████████████████████████████
then press the F9 key to compute.
You can pop-up the calculator at any time by holding down the CTRL
key and then pressing the "P" key. Press the ESC key to cancel the
calculator.
11.5 Setting Screen Colors
To change the screen colors of PCBUDGET, pull down the OPTIONS
menu and select Screen Colors.
The screen colors Data Entry Window also allows you to specify the
graphics screen mode used when viewing bar graphs. You can specify
modes of CGA, EGA, or VGA. It's best to use CGA MONO or VGA
if you're going to print your bar graphs. These modes give you a
better color contrast on your printer.
12.0SPECIFICATIONS
Maximum number of accounts. . . . . . . . . . . . . . . . . . . . 600
Maximum number of Income Accounts . . . . . . . . . . . . . . . . . 50
Maximum number of Expense Accounts. . . . . . . . . . . . . . . . . 50
Maximum number of Credit card Accounts. . . . . . . . . . . . . . . 50
Maximum number of Liability Accounts. . . . . . . . . . . . . . . . 50
Maximum number of Bank Accounts . . . . . . . . . . . . . . . . . . 50
Maximum number of Asset Accounts. . . . . . . . . . . . . . . . . . 50
Maximum number of Transactions. . . . . . . . . . . . . . . . . . 4320
Maximum number of Transactions per month. . . . . . . . . . . . . 360
Maximum number of Mailing List items. . . . . . . . . . . . . . . . 75
Maximum number of Payment Reminders . . . . . . . . . . . . . . . 100
Maximum number of Loans . . . . . . . . . . . . . . . . . . . . . . 8
Maximum number of Group Entry Account . . . . . . . . . . . . . . . 5
Maximum number of searched items. . . . . . . . . . . . . . . . . 360
Maximum number of unreconciled transactions per account . . . . . 360
Bar Graph Screen modes supported. . . . . . . . . . . . CGA, EGA, VGA
Maximum number of time periods for amortization or future value . 360
13.0INDEX
Accounts
Creating. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 23
Deleting. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 30
Modifying . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 30
Reconciling . . . . . . . . . . . . . . . . . . . . . . . . . . . . 46
Types . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 24
Accumulation . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 61
American Express card. . . . . . . . . . . . . . . . . . . . . . . . . . . 38
Amortization . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 61
ASP. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . ii
Asset. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 28
Bank Account . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 28
Bar Graphs . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 62, 65
Budgets
Cash. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 50, 53
Cash Flow . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 54
Cash Flows. . . . . . . . . . . . . . . . . . . . . . . . . . . . . 50
Cost. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 50
Profit. . . . . . . . . . . . . . . . . . . . . . . . . . . . . 50, 52
Variance. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 50
Calculator . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 64
Calendar . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 64
Check Printing . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 63
Check/Print. . . . . . . . . . . . . . . . . . . . . . . . . . . . 36, 54, 60
Cleared. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 36
College Tuition. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 61
Colors . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 65
COMMAND.COM. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 15
Compatible . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .5
Contents . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .6
Credit Card. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 26
Data Entry Window. . . . . . . . . . . . . . . . . . . . . . . . . . . 10, 13
Data File. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .5
Backing up. . . . . . . . . . . . . . . . . . . . . . . . . . . . . 22
Creating. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 17
New Year. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 20
Selecting other . . . . . . . . . . . . . . . . . . . . . . . . . . 22
Transfer. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 20
Date and Time. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 10
DISKCOPY . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .6
DOS (DOS Shell). . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 15
Double entry . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 38
Exiting. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 15
Expense. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 25
Favorable. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 50
Floppy Disk. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .7, 15
Graphics . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .5, 65
Print . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 62
Group Entries. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 38
Hard Disk. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .8
Income . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 24
Interest Expense . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 31
Liability. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 27
LICENSE. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .i
Loans. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 31, 61
LPT1 . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .5
Mailing List . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 59
Main Checking Account Code . . . . . . . . . . . . . . . . . . . . . . . . 54
Memory . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .5
Menus
Closing . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 12
Pulling . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 11
Selecting . . . . . . . . . . . . . . . . . . . . . . . . . . . 11, 12
Mouse. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .8, 12
Mouse Cursor . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 10
Net Worth. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 55
New Automobile . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 61
New Home . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 61
Paid . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 58
Payment Reminders. . . . . . . . . . . . . . . . . . . . . . . . . . . . . 58
PC/AT/XT/PS. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .5
PCBUDGET.DAT . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .6, 10
PCBUDGET.TAX . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .7
Print to
Check . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 59
Envelope. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 60
Label . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 60
Printer. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .5
Printing . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 63
Program disk . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 5, 6
Programmed Group Entries . . . . . . . . . . . . . . . . . . . . . . . . . 38
PRRT . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 58
Quiting. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 15
README.DOC . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .7
Recurring Transactions . . . . . . . . . . . . . . . . . . . . . . . . . . 58
REG.FRM. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .7
Reports. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 55
Retirement . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 61
Screen . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .9
Information bar . . . . . . . . . . . . . . . . . . . . . . . . . . 11
Menu bar. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .9
Screen title. . . . . . . . . . . . . . . . . . . . . . . . . . . . .9
Scroll arrows . . . . . . . . . . . . . . . . . . . . . . . . . . . 10
Scroll box. . . . . . . . . . . . . . . . . . . . . . . . . . . . . 10
View window . . . . . . . . . . . . . . . . . . . . . . . . . . . . .9
Screen Colors. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 65
Scrolling. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 15
Search
Sequences . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 60
Tax items . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 60
SETUP GROUP. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 38
Shareware. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . i, 7
Tax. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 31
Tax deductible interest. . . . . . . . . . . . . . . . . . . . . . . . . . 31
Tax laws . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 56
Tax Related. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 36
Transactions
Automatic Entry . . . . . . . . . . . . . . . . . . . . . . . . . . 44
List. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 37
Making. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 33
Modifying . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 44
Unfavorable. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 50
Variance . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 50
VGA. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .5
Viewing month. . . . . . . . . . . . . . . . . . . . . . . . . . . . . 10, 21
WARRANTY . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .iii