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▄▄▄▄▄▄▄▄▄▄▄▄▄▄▄▄▄▄ P C B U D G E T Home Financial Management ▄▄▄▄▄▄▄▄▄▄▄▄▄▄▄▄▄▄▄▄▄▄▄▄▄▄▄▄ User's Guide Version 2.5 ▄▄▄▄▄▄▄▄▄▄▄▄▄▄▄▄▄▄▄▄▄▄▄▄▄▄▄▄▄▄▄▄▄▄▄▄▄▄▄ 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. PCBMAN25-03-1992 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 U.S. 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 Printing. . . . . . . . . . . . . . . . . . . . . . . . . . . . . 15 3.7 Exiting PCBUDGET. . . . . . . . . . . . . . . . . . . . . . . . . 16 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 . . . . . . . . . . . . . . . . . . . . . . . 21 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 Pop-up Calendar . . . . . . . . . . . . . . . . . . . . . . . . . 60 9.5 Pop-up Calculator . . . . . . . . . . . . . . . . . . . . . . . . 61 9.6 QuickSTAT Update Program. . . . . . . . . . . . . . . . . . . . . 62 10.0 ANALYSIS REPORTS. . . . . . . . . . . . . . . . . . . . . . . . . . . . 63 10.1 Loan Amortization . . . . . . . . . . . . . . . . . . . . . . . . 63 10.2 Accumulation Schedule . . . . . . . . . . . . . . . . . . . . . . 63 11.0 BAR GRAPHS. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 64 12.0 SETTING OPTIONS . . . . . . . . . . . . . . . . . . . . . . . . . . . . 65 12.1 Printer Setup . . . . . . . . . . . . . . . . . . . . . . . . . . 65 12.2 Enable Check Printing . . . . . . . . . . . . . . . . . . . . . . 67 12.3 Setting Screen Colors . . . . . . . . . . . . . . . . . . . . . . 68 13.0 SPECIFICATIONS. . . . . . . . . . . . . . . . . . . . . . . . . . . . . 69 14.0 INDEX . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 70 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 problem 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. INSTALL.EXE Install PCBUDGET from a floppy disk to your hard disk. DISK #2 - Help and Configuration Disk QSTAT.EXE QuickSTAT program. for a quick update of your checking account and bills. 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. You may wish to use a floppy disk for your data file backup. 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 2.5 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: September 3, 1992 │██ ▒ │ ║ │ Month: 09 │██─────────────────── 5 │ ║ │ Day: 05 │██ ▒ │ ║ │ Year: 1992 │██ ▒ │ ║ ├─────────────────────────────────────────┤██ ▒─── 6 │ ║ │ <F9=RECORD> <Esc=Cancel> <F10=Help> │██ ▒ │ ║ └─────────────────────────────────────────┘██ ▒ │ ║ ███████████████████████████████████████████ ▒ ┌─ 7 ─┘ ║ ▒ │ ║ ▒ │ ║ ─┘ ╚══════════════════════════════════════════════════════════════════════════════╝ 1992 ─────────────┐ September 05, 1992 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 CTRL and ENTER key sequence. 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 ┌────────────────────────┐ 2.5 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 │██ ▒ ║└────────────────────────┘██ ▒ ║ ██████████████████████████ ▒ ║ ▒ ║ ▒ ║ ╚══════════════════════════════════════════════════════════════════════════════╝ 1992 September 03, 1992 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 effect 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> │██ ▒ ║ └────────────────────────────────────────────┘██ ▒ ║ ██████████████████████████████████████████████ ▒ ║ ▒ ║ ▒ ║ ▒ ║ ╚══════════════════════════════════════════════════════════════════════════════╝ 1992 August 23, 1992 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 CTRL- ENTER key sequence. 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 Windows 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 too 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. 3.6 Printing To print the information shown in the view window, pull down the FILE menu and select Print. See section 11 for more information on setting up your printer for special print commands. The print selection in the file menu will print all information shown in the view window and all information available when scrolling the screen. 3.7 Exiting PCBUDGET The Exit selection on the FILE menu removes PCBUDGET from memory and returns you to the DOS prompt. All data 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 :1992 │██ ├────────────────────────────────────────────────────────┤██ │ <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: 1992 Your data file is stored in a subdirectory of C:\PCBUDGET with the subdirectory name of 1992. C:\1992 Your data file is stored in a main directory named 1992. 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:\1992 Your data file is stored in a main directory called 1992 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 :0.00 │██ │ Month :09 │██ │ Day :01 │██ │ Year :1992 │██ ├─────────────────────────────────────────────────────────┤██ │ <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, 1992. 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 :1993 │██ │ New Year :1993 │██ ├──────────────────────────────────────┤██ │ <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 :1992BACK │██ ├──────────────────────────────────────┤██ │ <F9=RECORD> <Esc=Cancel> <F10=Help>│██ └──────────────────────────────────────┘██ ████████████████████████████████████████ Enter the target disk (or file) path. This is where your data is going to be copied to. 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. The Select Data File function allows you to have more than one data file at a time. 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 is a very useful screen 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 :2 │██ │ Description : │██ │ Code : │██ │ Y-T-D Balance : 0.00 │██ │Monthly Budget : 0.00 │██ ├──────────────────────────────────────────────────┤██ │ <F1=MORE> <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 types 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. Expenses don't do anything except drain your checking account. The best way to keep a handle on expenses is to create as many expense accounts 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. Asset 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. When creating accounts, you can specify additional information about the account. For example, suppose you're creating an expense account which identifies your telephone. Let's say that the payment is acually made to the City Telephone Co. If you press the F1 key while creating this account, you can specify additional information about this account such as the address of where the bill is sent to or the account number. This additonal information automatically becomes part of your mailing list. ┌───────────────────────────────────────┐ │ Name: City Telephone Co. │██ │Address: 124 Switch street │██ │ Bell Ville, ST 12345 │██ │ Acct: 800-555-1212 │██ ├───────────────────────────────────────┤██ │ <F9=RECORD> <Esc=Cancel> <F10=Help> │██ └───────────────────────────────────────┘██ █████████████████████████████████████████ If you use PCBUDGET to print checks, this information will be automatically inserted into the check's memo field when the account is used. 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 :Mortgage │██ │ Principle Loan Account :MG │██ │ Interest Expense Account :IE │██ │ Other Account #1 :PT │██ │ Other Account #2 :IS │██ │ Other Account #3 : │██ │ Payments made to date : 1 │██ │ Payment Amount : 951.23 │██ │Number of annual payments :12 │██ │ Length of loan (years) :30 │██ │ Annual interest rate : 9.875 │██ ├───────────────────────────────────────────────────┤██ │ <F9=CREATE> <F5=DELETE> <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. To delete a loan, you can press the F5 key while viewing the loan information. This allows you to specify a new loan for the given loan number. 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> │██ ▒ ║ └────────────────────────────────────────────┘██ ▒ ║ ██████████████████████████████████████████████ ▒ ║ ╚══════════════════════════════════════════════════════════════════════════════╝ 1992 October 01, 1992 8:50 pm Viewing: October F1:Source/Paid To F3:ACCOUNTS F4:MEMORIZE F5:RECALL F6:DUE F9:RECORD │ │ │ │ │ │ │ │ │ │ │ Press F9 to │ │ │ │ │ Record the Press F1 to reverse │ │ │ Press F6 to Transaction. the Source and │ │ │ recall only Paid To charges. Press F3 to │ Press F5 the Unpaid items view and/or │ to recall 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 effect 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 memorize the transaction by adding it 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 recall 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 recall 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 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 ▒ ║ ▒ ║ ░ ║ ▒ ║ ▒ ║ ▒ ║ ▒ ║ ▒ ║ ╚══════════════════════════════════════════════════════════════════════════════╝ 1992 October 25, 1992 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 and 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 transaction 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 allow 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, 1992 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 ─────────── ─────────── ─────────── ─────────── 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 Preferences. 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 2.5 was written around the 1992 tax laws. The file on your program disk named PCBUDGET.TAX contains the tax tables for the 1992 tax year. If the tax laws change for 1992, 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 : 0.00 │██ ▒ ║ │ Auto Source : │██ ▒ ║ │Paid in Month : XXX │██ ▒ ║ │ JFMAMJJASOND │██ ▒ ║ ├────────────────────────────────────────┤██ ▒ ║ │ <F9=RECORD> <Esc=Cancel> <F10=Help> │██ ▒ ║ └────────────────────────────────────────┘██ ▒ ║ ██████████████████████████████████████████ ▒ ║ ▒ ║ ▒ ║ ▒ ║ ╚══════════════════════════════════════════════════════════════════════════════╝ 1992 October 01, 1992 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 Preferences. 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 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. 9.5 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. 9.6 QuickSTAT Update Program QuickSTAT is a utility program to be used in conjunction with PCBUDGET. QuickSTAT allows you to get a quick look at your checkbook balance and the last check you've written. QSTAT will also alarm you of unpaid bills which are due. To use QuickSTAT place the file QSTAT.EXE in your root directory. Type: QSTAT d:\path p where, d:\path is the drive and path of your PCBUDGET program files. The parameter p is optional. If used, QSTAT will pause and wait until you press enter before quiting. Omitting p will cause QSTAT to automatically exit in 7 seconds. To view your PCBUDGET status whenever you turn on your computer you can place QSTAT in your AUTOEXEC.BAT file. 10.0 ANALYSIS REPORTS PCBUDGET is great for entering and storing data, displaying reports, and analyzing performance. But you can also use PCBUDGET to analyze situations involving loans, investment opportunities, retirement planning, and college tuition. 10.1 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, enter the total number of payments in 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. 10.2 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. . . 11.0 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. 12.0 SETTING OPTIONS 12.1 Printer Setup To setup your printer for a particular formatted output pull down the OPTIONS menu and select Preference. You setup your printer by sending it setup strings. You are allowed to enter four independent setup strings. They are for: Reports printing Envelope printing Label printing Check printing Printer setup strings define the printer actions when printing takes place. For example, depending on your printer, you can specify bold, NLQ, double strike, double wide, double high, or virtually any printing style which your printer supports. The format for the printer setup string is as follows: \27\120.1 This command sends decimal '27', decimal '120', and the number '1' to your printer. (NLQ select for an Epson printer) Your printer manual may specify the setup for Near Letter Quality (NLQ) mode in this way: ┌───────────────────────────────────────────────────┐ │ESC x │ │────────────────────────────────────── │ │Format: │ │Ascii code: ESC x n │ │Decimal: 27 120 n │ │Hexadecimal: 1B 78 n │ │ │ │Comments: │ │ The following values can be used for n: │ │ 0: selects the draft mode. │ │ 1: selects the Near letter quality mode (NLQ) │ │ │ └───────────────────────────────────────────────────┘ The above table shows the setup string to turn the Near Letter Quality (NLQ) mode on for a printer which supports NLQ. You can specify this setup string in 1 of 2 ways: \27\120.1 or, \27.x.1 Notice that all strings using the Decimal value are preceeded by a backward slash ( \ ) and all strings using the Ascii value are preceeded by a period ( . ). Always use the decimal string when specifying the ESCape character. The printer setup string depends solely on the type of printer which you have. Most printers respond the same to setup string commands. The following are some generic commands which will work for most printers. \27\64 Initialize printer. \27\120.1 Turn Near Letter Quality mode on. \27\120.0 Turn Near Letter Quality mode off. \27\56 Disable paper out sensor. \27\57 Enable paper out sensor. \27\15 Select condensed mode. \27\116.1 Turns on graphic character set. \27\116.0 Turns off graphic character set. You can put string commands together. For example if you wish to initialize your printer, disable the paper out sensor, and turn Near Letter Quality mode on, the setup string would be \27\64\27\56\27\120.1 12.2 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 Preferences. 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. 12.3 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. 13.0SPECIFICATIONS Maximum number of accounts. . . . . . . . . . . . . . . . . . . . . . . 300 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. . . . . . . . . . . . . . . . . . .256 Maximum number of Payment Reminders . . . . . . . . . . . . . . . . . . . 50 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 14.0INDEX Accounts Creating. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 23 Deleting. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 30 Modifying . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 30 Reconciling . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 46 Types . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 24 Accumulation . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 63 American Express card. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 38 Amortization . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 63 ASP. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . ii Asset. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 28 Bank Account . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 28 Bar Graphs . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 64, 68 Budgets Amount. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 29 Cash. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 50, 53 Cash Flow . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 54 Cash Flows. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 50 Cost. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 50 Profit. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 50, 52 Variance. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 50 Calculator . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 61 Calendar . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 60 Check Printing . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 67 Check/Print. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 36 Cleared. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 36 College Tuition. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 63 Colors . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 68 COMMAND.COM. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 15 Compatible . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .5 Credit Card. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 26 Data Entry Window. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 10, 13 Data File. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .5 Backing up. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 22 Creating. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 17 New Year. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 21 Selecting other . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 22 Transfer. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 20 Date and Time. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 10 Disk Contents. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .6 DISKCOPY . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .6 DOS (DOS Shell). . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 15 Double entry . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 38 Exiting. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 16 Expense. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 25 Favorable. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 50 Floppy Disk. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .7, 15 Graphics . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .5, 68 Print . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 64 Group Entries. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 38 Hard Disk. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .8 Income . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 24 Interest Expense . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 31 Liability. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 27 LICENSE. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .i Loans. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 31, 63 Delete. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 32 LPT1 . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .5 Mailing list . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 29, 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 . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 63 New Home . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 63 Payment Reminders. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 58 PC/AT/XT/PS. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .5 PCBUDGET.DAT . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .6, 10 PCBUDGET.TAX . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .7 Preference Printer Setup . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 65 Preferences Check printing. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 67 Main Checking Account Code. . . . . . . . . . . . . . . . . . . . . . . . 54 Return address on envelopes . . . . . . . . . . . . . . . . . . . . . . . 60 Print checks . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 29 Print to Check . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 59 Envelope. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 59 Label . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 60 Printer. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .5 Setup . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 65 Printing . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 15 Program disk . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 5, 6 Programmed Group Entries . . . . . . . . . . . . . . . . . . . . . . . . . . . . 38 PRRT . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 58 QuickSTAT. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 62 Quiting. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 16 README.DOC . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .7 Recurring Transactions . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 58 REG.FRM. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .7 Reports. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 55 Retirement . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 63 Screen . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .9 Information bar . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 11 Menu bar. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .9 Screen title. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .9 Scroll arrows . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 10 Scroll box. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 10 View window . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .9 Screen Colors. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 68 Scrolling. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 15 Search Sequences . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 60 Tax items . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 60 SETUP GROUP. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 38 Shareware. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . i, 7 Specifications . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 69 Tax. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 31 Tax deductible interest. . . . . . . . . . . . . . . . . . . . . . . . . . . . . 31 Tax laws . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 56 Tax Related. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 36 Transactions Automatic Entry . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 44 List. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 37 Making. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 33 memorize. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 44 Modifying . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 44 Unfavorable. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 50 Variance . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 50 VGA. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .5 Viewing month. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 10, 21 WARRANTY . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .iii