find out how much money you have at the end of each month, what percentage is spent on each item, when each bill is due, if you can afford new montly payments, and what you can afford in the future by adjusting your predicted income. to install in win95 or nt 4.x click on START then RUN setup to install in win 3.x (with win32s drivers) or win nt 3.x click FILE then RUN setup this software is shareware and can be freely distributed. if you plan to use this software after 30 days i ask you to register. registration varies from $10-$20. for the latest version you can visit http://www.concentric.net/~laserjet or e-mail dalin@aol.com or mail me at : blackboard software po box 745494 arvada, co 80006-5494