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//BUDGET ACCOUNT MENU
⌡ helpªñ divided╜to two sections:
(A)· explanationúÅr⌐s┤ë┐╥⌠.
(B) Some advice║ helpâÅrò started.
*** YOUR OPTIONS ***
╚ BUDGET ACCOUNT MENUñ whereë choiceñ made║ either add, changeÆ
deleteÇôs. ⁿ addition║ usingë change⌐║ actually
changeôsÅ previously¢ed,╢⌐ì also be░d║ review
ë variousôsÅ¿ on file.
÷ New Year
--------------
Do not░ë <Begin New Year>⌐á╢ñë│ timeÅî using
╩.
When╣ becomes time║╖ a new year,╩É transferÅrÇ
ôs║ a newÑæ. ╚reî several⌐såÜ respect
║ creatingÅr newæ (i.e.ÅÄ carryÅr oldÇûward, move
last year's actual║Ç,è more).╫ BEGIN NEW YEAR║ exercise╢
⌐. IMPORTANT:∩╢⌐ only afterÅ¿ completedÅr│
yearú using╩. ∩╣ whetherÆ notÅ plan on carryingÅr old
Çôsûward.⌡⌐ encodesë newÑæ║ tell
╩ù aÑæû a previous year exits. ⌡ prompts
╩║ scanë╛ year'sæû open╣ems when¥ingÅr
variousôs.
Σ╨ Extension
-------------------
╚ <Data╨ Extension>⌐ñ░d║ extendÅrò║ a newÑ
æ, after allå space onë currentæ has been exhausted. ⌡
⌐ñ explained╜ detail╜╗ appendix║ë Tutorial/Manual.
*** GETTING STARTED ***
·yÇñ basicallyë resultú a plan. ╚ betterë plan,ë better
ëÇ. εú╩ strongest featuresñ╣s ability║ helpÅ
║ easily put║gether a soundÇ.
╩░sëÇ║éizeÅr finances. Every»úÅr
ös, whether╣╜volvesë receiptú money,ë purchaseú
something major,ÆÄbeë paymentú some expenseñéized. °É
be classified as║ how╣ pertains║ whatÅ ownÆ owe,è whether╣ñ
╜comeÆ expense.
WhenÅ¢ÅrÇôsÅî providingë classificationsù
É be░d║ keep trackúÅr financialös. ╚ betterë job
Å do here,ë betterë job╩É be able║ doûÅ.
╚ Tutorial/Manual contains╗ appendixùƒs some hints concerning
establishing certainôsùÉ prove░ful whenÅ prepareÅr
╜come taxí. ▀Å¿ not already done so please review╢ partú
ë Tutorial/Manual.
╚│ step╜ GETTING STARTEDñ║¢╩Üë
followingÇô▓:
(A) WHAT YOU OWN -∙ help plan,╢ñ divided╜to four
éies:
(1) CASH ACCOUNTS - Fanatical planners like║ keep trackú
evenë moneyëy keep╜ cashûm (ie money╜År
walletÆ purse, a piggy bank, a dresser drawer etc.).
▀Å want║ trackÅr cashÅ would develop»Æ
moreôsûë cashÅ maintain. Otherwise,╣
ñ not necessary║░╢ setúôs.
(2) CHECKING ACCOUNTS - Most people maintain£ing
ôs╜ either banks, savings & loans,Æ evenÜ
ëir stock brokers. Create»Çôû each
£ingôÅ wish║ keep trackú.
(3) SAVINGS ACCOUNTS - Create»úëseôsû each
savingsôÅ wish║ manage.
(4) ASSET ACCOUNTS -⌡ñ╗ythingÅ ownùñ not
cash,£ing,Æ savingsôs. Some EXAMPLES would
beÅr furniture, computer, automobile(s), stock,
house,╗tique collection etc.
(B) WHAT YOU OWE -⌡ñ divided╜to twoéies:
(1) CREDIT CARD ACCOUNTS -Ψ a choice here. Ύ
set up aÇôû eachúÅrà cards
è keep trackúë╜dividual charges,às,
payments etc.─ card chargesî¢edè
¬ed║ë appropriate expense (i.e. clothing,
vacations, etc.) asëyî made. Periodic payments║
ëà card companiesîën allocated, when
¢ed, between principal repayment againstëà
cardüè╜terest expense. Under╢ method,
ÅìüÅr▒lyà card statement╜
muchë same wayÅüÅr£ingô
statement.
╬Ä elect╜stead not║ set up aÇôû
eachà card.╬Ä chooseë much simpler route
ú not¬ingà card charges asëyî made.
╬r periodic payments║ëà card companies
would be¬ed entirely as╗ expense.╚ choiceñ
Års.
(2) LIABILITY ACCOUNTS -╚seôsîû╗ything
Å oweù does not result from aà card
ö. Some EXAMPLES would be a home mortgage,
automobile loan, student loan etc. Similar║à
cardôs,ÅÄ choose║ either completely
ôûÅr liabilitiesÆÅì chooseë
simpler routeú tracking onlyÅr debt paymentsè
¬ingëm entirely as╗ expense.
(C) YOUR INCOME -╬ should keep trackú every typeú╜come
Å¿. Some EXAMPLES would beÅr salary,╜terest from a
bankô, moneyÅÄ earn from deep sea excavationsÆ
occasional bullfights, etc.
(D) YOUR EXPENSES - Unfortunately,╢É probably beÅr
most lengthy list. ▀╣ñ╗y consolation,╣së same
û almost allú us (everybody we know╗yhow). By taking
ë time║ be as precise as possible here,ÅÉ obtain
ë most benefit from╩. Some examples would
be rent, electricity, groceries, vacations, tuition,
newspaper, haircuts etc. ╬ì be as elaborateÆ as
general asÅ desire. REMEMBER:▀Å want╩
║ track a particular╣emú expense,Å must set up╗
ôûù expense╣em╜ë BUDGET.
OnceÅ¿ determinedë variousôsÅÉ¿,Å should¢
ëm╜to╩. ╬Ä¢ëm asëy occur║Åèí
laterè add╗yùÅûgot duringë╜itial entry.
╩ì handle bothÅr businessè personalôs╜»ò.
°ì alsoê financialçsùî limited║ a certain groupú
ôs. ╥ groupingsî established by assigning allôsÜin
each group a common prefixÜinëô¡. More▓ñ
ƒd on╢ feature╜ë help section┤ë BUDGET ACCOUNT RECORD
SCREEN.
╚½úÇôsÅì set upÄ not exceed 999. As evenë
most comprehensiveòs rarely░ more than 200ôs,╬ should not
find╢║ be muchú a limit.
┌ing▒lyǼsû eachôñ⌐al.▀Å do not
¢╢Ñ┤ë timeÅ¢ëôs,ÅÄ always come back
laterè░ë CHANGE⌐║¢╣.
∙ addôsÿë ADD⌐┤ë BUDGET MENUèÅÉ be
delivered║ë BUDGET ACCOUNT RECORD SCREEN. ⌡ñ whereëôsî
actually¢ed. We recommend, whenÅ arrive┤╢ªûë│
time,ùÅÖë <TAB> keyè reviewë▓ƒd byë
HELP function. Doing╢É saveÅ from╗y unnecessary confusion
later.
//BUDGET ACCOUNT RECORD SCREEN
⌡ªñ░d║ Add, ChangeÆ DeleteÇô¬s.╚ mode
(Add, ChangeÆ Delete)ñ╝ed╜ë│ lineúëª.
╩ì handle bothÅr businessè personalôs╜»ò.
°ìê financialçsùî limited║ a certain groupú
ôs. ╥ groupingsî established by assigning allôsÜin
each group a common prefixÜinëô¡. More▓ñ
ƒd on╢ feature┤ë endúë help section.
≥ some comments concerning features unique║ each mode,ën some notes
concerning special featuresåÜin╢ª:
** ADD MODE **
ⁿ add modeÅ must│ key╜ë½ &¡úëôÅ wish║
¢.
∙¢ëô½Ö <A>èë cursorÉ jump║ëô
½ä. ≤ë same timeÅr choicesÉ be╝ed┤ë bottomú
ëª. ╩░sëô½Åÿ║ determineë
typeúôÅî¢ing (i.e. cash,£ing, savings, asset,à
card etc.). ╒ EXAMPLE,áÅ wish║¢ a£ingô, make sure
Åÿ a½Üinë£ingô½ range (checkingôs
î assigned½s from 50║ 99).
HINT:╬Ä avoidë hassleú trying║ remember whichô½sÅ
¿ assignedÜin eachôéy. Simply¢ë│ô
½úëéyÅ wishëô║ fall╜to.╩É
assignë nextå½ÜinëéyÅ designated.
Don't worry about maintaining╗y special alphabeticalÆder when assigning
ô½s. ╩ automaticallyêsôs╜
alphabeticalÆderÜin eachéy on allçs. ⌡ñ done no matter
howÅ¢ëm.
After¢ingëô½,Å must¢ëô¡. ╚
ô¡ must be┤ least three characters long. ⌡ñë only
restriction here.
Onceëô¡ &½¿ been¢edÅÄ¢ÅrÇ
Ñ. ⌡▓ (theÇÑ)ñ only necessaryáÅî
╜terested╜ maintaining aÇ.
╬ SHOULD¢ë╖ningüsûë followingôs: cash,
£ing, savings, asset,à card & liability. Do╢ whetherÆ notÅ
É be using aÇ. ÷ningüsî¢ed byÖing <C>ën
¢ingë startingüû eachô.
∙ addëô║ÅròÖ <U>. ⌡É both updateÅrÑ
fileÜë newô &É alsoƒÅÜ a cleanª║¢
╗otherô shouldÅ so desire.
WhenÅî done¢ingôsÖ <Esc>║ exitëªèí
║ë MAIN BUDGET MENU.
** CHANGE MODE **
Change modeñ░d║ changeÇô▓ previously¢ed.
·yÑÄ be changed byÖingë keysù designateëäÅ want
║ amend. ╬Ä change╗y▓ exceptûëô½.
Changingëô½Ä only be accomplished by│ deletingë
ôën re-entering╣ viaë ADD modeÜë new½.
OnceÅ¿ changed allë▓Å desire,Ö <U>èëÑ
fileÉ be updatedÜë newÑ. AfterëÇ fileñ updatedÅ
É be delivered║ë previous╡.
While╜ change modeÅÄ also shift back &ûth betweenôs.∙ shift
ûwardÖë right₧ key.∙ shift backwardÖë left₧ key.
╪ <Esc>║ exitëªèí║ë previous╡.
** DELETE MODE **
Delete mode, asÅ might¿ guessed,ñ░d║ deleteô¬s. ∙
deleteëôùºs onëªÖ <U>. ╩
Éën scanÅrÑ filesû╗yösù¿ been coded║ë
ôÅî┤tempting║ delete. ▀ noösî foundëô
É be deletedèÅÉ be delivered║ë previous╡.
▀╩ finds»Æ moreösù¿ been coded║ë
ô║ be deleted╣É giveÅ╗ error message.ⁿ╢ caseë
ôÉ not be deleted. ▀Å desire║ still deleteëô, each
úëö¬s must be re-coded║╗otherô. ⌡ì be
done usingë change mode╜ëÑ entry module. Once╢ñ done,Å
Äí║ëÇ moduleèëÇôÄ be successfully
deleted.
** SPECIAL FEATURES **
╩ƒs a½ú time-saving║ols designed║ assistÅ╜
¢ingÇ▓û╗yÇô.╚se║olsî░d when
¢ingÇÑ╜ë January thru December▒äs. ╚yî:
COPY PREVIOUS AMOUNT -▀Å desire║Çë same¼ each
▒,╣ñ not necessary║¢ë same¼ each period.
ⁿstead¢ë¼╜ë│ period.╚nÖë keyû
ë next period. ⌡ time¢ <C>èÖëí key╜stead
úë╛¼.╩É automatically copyë
¼¢edûëüúë year.
INCREASE PREVIOUS AMOUNT -▀Å desire║Ç╗¼ù
╜creasesÆ decreases each▒ by a certain percentage¢ë
╖ning¼╜ë│ period. ╚n go║ë next periodè
¢ <I>ënÖëí key.╩Éën ask
Åûë▒ly╜flation percentage. ┌ë▒ly╜flation
rateè╩É doë rest. ▀Å wish║ decrease
ë¼¢ed╜ë╖ning period each▒¢ë
╜flation rateÜ a minus sign╜ frontú╣. ╒ EXAMPLE:∙ show
a▒ly rateú decreaseú two (2) percent¢ <-2>.
PRINCIPAL & INTEREST -⌡ letsÅ¢▒ly╜terest expenseÆ
loanüs easily. °ì also be░d║¢╜terest╜comeÆ
╗╜vestmentü. ∙░╢ feature go║ë▒Å wish
║╖ÜënÖ <P>. ╩Éën askë
following questions:
PRINCIPLE -┌ë╖ningüúë obligation
╜volved. EXAMPLE:╚üúÅr mortgage duringë
period immediately precedingë period being¢ed.
MONTHLY PAYMENT -┌ë▒ly loan payment.
INTEREST RATE -┌ë ANNUAL╜terest rate as a
percentage. ╒ exampleáë mortgage onÅr house has
╗╜terest rateú eight percentÅ would¢ <8>ën
Öëí key.
Onceë aboveÑñ¢ed╩É computeë
▒ly loanüÆë╜terest depending onë type (category)
úô being¢ed. ▀ëôñÜinë╜comeÆ
expenseéiesë╜terestÉ be¢ed╜ each▒.
Otherwiseë loanüÉ be¢ed.
CALCULATOR - A full function arithmetic calculatorñå║
assistÅÜ╗y side computationsÅ wish║ make. ∙ call up
ë calculator,Ö <=> when┤ë prompt lineÆ when┤»ú
ë various¼äs (such as╖ningü etc.).
╪ing <TAB> whenë calculatorñ╝ed onÅrªÉ
ƒÅÜ╗ explanationú╣s operationè features.
╪ <Esc>║ exitë calculatorèí║ë prompt line.
▀ë calculatorñ accessed from»úë¼äs,ë
¼╜ë calculator's╗swer registerñ placed╜ë¼
äë calculator was accessed from when╣ñ put away (by
Öing <Esc>).
* *╥ Prefix Feature - Multiple GroupsΓ╥s * *
╩ì handle bothÅr businessè personalôs╜»ò.
°ì alsoê financialçsùî limited║ a certain groupú
ôs. ╥ groupingsî established by assigning allôsÜin
each group a common prefixÜinëô¡.
∙ take advantageú╢ feature,Å must¿ a groupúôsÜ¡s
ù╖Ü a common prefix. ╒ Example: Assume we were using a specific
groupúôs║ accommodate allú Parsons Technology'sös. We
would¿ given eachôÜinë group a¡╖ningÜ <PT >.
We could very well¿░d some other prefix (such as <PAR>Æ <TECH> etc.).
╚ prefix must not exceed five characters╜ lengthè must be common║ all
ôsÜinë group.
▀Å¿ a groupúôsû whichÅ would like║ prepare separate
çs, but whose¡s do not╖Ü a common prefix,Åì easily make
ë necessary changes║░╢ feature. ∩ë Change/Review⌐║
changeë¡súëôs╜ë group soëy╖Ü a common
prefix. ╬Äën prepareçsû each groupúôs.
//BUDGET ACCOUNT SELECTION MENU
⌡╡ñ░d║ÿëôÅ wish║ either changeÆ delete.
╚ mode (either changeÆ delete)ɺ╜ë second lineúë
╡.
╫ëôéyûëôÅ wish║ either changeÆ
delete. AllôsÜinùéyɺ onëª. Onë
left sideúëª╗₧ɺ next║ë very│ô.
▀Å wish║ÿ╢ôÖëí key.
∙ÿ╗otherô, Öë space bar (or₧ keys) untilë
₧ shifts║ëôÅ want║ edit.╚nÖëí key.
╬Ä exit┤╗y time byÖing <Esc>.
//BEGIN NEW YEAR
╚ factùÅ¿ reached╢ helpª╜dicatesÅ¿ placed a
newlyûmatted non-systemæ╜æ drive <A:>. ⌡æÉ be░d as
ëÑæûë new yearÅî about║╖. ▀Å do not╜tend║
╖ a new year, please exit╢╡ byÖing <Esc>.
ⁿ creatingÅr newÑæ,Å¿ four⌐s. ╚yî:
CLEAR BUDGET -╫ing╢⌐É result╜ transferringÅr
Çôs (withoutǽs) fromÅr oldÑæ║
ë new». ∩╢⌐,áÅî not using aÇÆáÅ
plan║ continue║░ë sameôs but wish║¢ newÇ
½s.
KEEP OLD BUDGET - Under╢⌐Årôs,Üë old
ǽs╜tact,É be transferred║ë newÑæ. ∩
╢⌐áÅ plan║ retainÅr oldÇ,ÆáÅÉ be
re-enteringëÇû only a fewôs.
ACTUAL TO BUDGET -╫ing╢⌐É result╜ transferring
ÅrÇôs fromÅr oldÑæ║ë new». Upon
transfer,ëǽsî replacedÜë actual results from
ë year just completed. ∩╢⌐áÅ desireÅr actual vs
Ççs (and graphs)║ actually be a year║ year comparison.
START FROM SCRATCH - Under╢⌐, nothingñ transferred from
ë oldÑæ║ë newÑæ. (Note from author: Iì just
pictureÅ askingÅrself: Why would I doù ?)∩╢⌐
whenÅ plan on creating newÇôsè possibly¢ing a
newÇ. ⌡⌐ encodesë newæ║ tell╩
ù aÑæ existsû a╛ year. ╩╜ turn░s
╢▓║ requestë╛æ║ scanû open╣ems when
reconciling your various accounts.