Budget Bal Mobile User Manual
Contents
1. On smaller devices having all the columns viewable in portrait mode requires a very small font If the font is too small for the user to comfortably read then the user can enable Reduce Columns for Larger Text This will hide the Desired and Maximum columns and allow the font to be larger in that mode The Purge operation deletes all cleared transactions older than the number of days to keep The user can set the number of days to keep transactions for the purge operation Carrier T 10 29 PM lt iCloud Docs Settings Sound Effects Right Justify Item Name Reduce Columns for Larger Text o 4 e o Carrier gt 12 09 PM About Helo Screen The user can find general information on this screen as About Help well as credits to those whose icons and sounds and hints the author made use of version and build number link to online help KN 4 Copyright 2014 Six of Us All rights reserved oredits and Thanks ih at lal come and all the wonderful folks contributing there Thanks to Ray Wenderlich for his great site Thanks to the rest of the Net for all the tips and hints Thanks to Apple for making such fun toys Ihanks to these folks for some of the sound effects Radio interruption recorded by Mike Koenig Metal Metronome recorded by Mike Koenig Laser Cannon Sound recorded by Mike Koenig d ory e eT a t Q Mraoanrnr i ry e ranr ri Oo A h Vi A A i le oO K MNaoar2. Budget Bal Mobile User Manual v1 0 Updated 2015 February 25 Table of Contents Budget Bal Mobile User Manual 1 Table of Contents 1 Synopsis 2 Screen Descriptions 3 System Settings 3 Items Screen 4 Document Management Screen 6 Settings Screen 7 About Help Screen 8 Sort Items By Screen 9 New Transaction Screen 10 Transfer Screen 11 Trigger Payday Screen 12 Purge Old Transactions 13 New Item Screen 14 Edit Item Screen 15 Transactions Screen 16 Display Filter Screen 17 Sort Transactions By Screen 18 Edit Transactions Screen 19 Example Quick Start 20 NO Zi Tutorial Synopsis Carrier a The Budget Bal mobile application is used to record your financial transactions where each transaction belongs to a specific budget item The goal is to have enough Extras Budget Bal money for each of the items that one wants money for lf there s extra then it can go towards savings or niceties If not then one can see where the budget needs adjusted This manual will show a typical scenario for budgeting and balancing one s bank statement in coordination with the Budget Bal mobile application It will also show some tutorials and examples for daily and payday activities One does not need to follow the processes shown here This manual assumes the reader knows terms like debit credit outstanding balance etc and the reader knows how to balance his her bank statement in the traditional sense The interface was designed f
3. en Transfer Amount from one item to another The balance in your account will be unaffected by transfers From is the item to remove the Amount from To is the item to put the Amount into Comment is whatever you want NOTE If a transfer mistake is made then another transfer will need to be applied in the opposite direction in order to undo it An example where a transfer might be used is if one uses a Credit card to pay for items from two different budget items If two of the budget items are Water Softener and Groceries and one buys bread and water softener salt on the same receipt then the amount might be entered into the Grocery Item and then a transfer can be done for the amount of the salt from the Salt Item into Groceries This way when balancing the bank statement the transaction amount will match the bank statement amount and at the same time the balance of the budget items will be correct 11 Carrier gt 9 31 PM Bigzlatsiicie Amount Comment From Budget Item catchall To Budget Item catchall 9 31 PM Trigger Payday Screen TEU Enter the Payday Amount and tap the Trigger button Trigger Payday You will be prompted to confirm this action This amount is put into catchall and then the Budgeted Amount amount for each item is transferred from catchall to that item As with any transaction the overages will also be applied Its a nice situation when one sees item budgets spillin
4. g over into catchall NOTE A backup of the document is made before this operation takes effect So if you accidentally perform this operation and you want to revert the document then follow these steps 1 Immediately go to the Document Management screen 2 Close the current document 3 Rename the current document 4 Rename the backup document It will have the same name as the current document prefixed with BKUP 5 Now you may open the backup document that you just renamed and you ll be back to where you were before pulling the trigger 12 Purge Old Transactions This operation will purge cleared transactions that are older than the specified number of days The number of days is specified in the Settings screen Transactions that have not been cleared will not be purged If you want to keep transactions forever but you don t want your budget document to grow too large in size then consider exporting to a CSV comma separated values file before the purge This can be done via the Share button The performance of the application is affected by the number of transactions that have to be processed so it is a good idea not to keep years worth of transactions The default is set to 60 days A backup of the document is made before this operation takes effect So if you accidentally perform this operation and you want to revert the document then follow these steps 1 Immediately go to the Document Managemen
5. iirt Carrier T 9 30 PM sort Items By Screen Tap the category to sort by The first time a category is Sort Items By tapped it will sort in ascending order If the category is already selected and the user taps it the sort order will reverse for that category The catchall row will always come first no matter what the sort order is New Transaction Screen Carrier gt 9 30 PM ea O CO 9 31 PM New Transaction Cancel Transaction Debit amoun Debit Budget Item Computer Stuff Computer Stuff Date amp Time Date amp Time Creating a new transaction will likely be the most common operation Two examples are shown above One shows the amount field with invalid input The Done button will not be active until the amount field has a valid amount If a budget item row is selected in the Items screen then that item will be selected in the Budget Item list by default One can change the Budget Item that will be acted on regardless of what the default selection was Debit is selected by default If one wants to add funds into the budget item then select Credit instead Amount is the amount of the expenditure or deposit Comment can be anything you want If I m using a check to pay for something like to start my comment with the check number If you do this be careful not to enter the check number into the Amount field Choose the Date and Time that the transaction did or will take place 10 Transfer Scre
6. is screen can be used to edit or delete an uncleared Edit Transaction transaction or to view a cleared transaction Cleared transactions are indicated by a check mark in the Cleared box This is only an indicator If the user wants to clear unclear a transaction it can be done in RES Debit the Transactions screen Comment Carq uest The Delete button is at the bottom of the screen and may require scrolling on smaller device to be seen Vehicles Carrier T 9 42 PM Edit Transaction 19 Example Quick Start The easiest way to get started is to begin right after balancing your latest statement This will minimize the number of outstanding transactions you need to enter 1 Add all the Items you want as part of your budget If you have credit cards then one of your Items could be Credit Card If you have more than one then you could have something like Visa Credit Card and Sears Credit Card Enter all outstanding transactions you currently have ie all the transactions that haven t cleared your bank It s possible that you don t have any Edit the catchall balance to match your current account balance At this point all of your outstanding transactions should be accounted for and your balance should match your bank account balance You may transfer funds from catchall to any Items now to tidy up your budget From this point on you would record any transactions that you make If you make a paymen
7. lling the screen to see it Maximum It the item is deleted and any other items use the deleted item as an Overage ltem then the items will Balance have their Overage Item changed to catchall Any transactions associated with the deleted item will move to the catchall item WARNING Changing the Balance of an item will change the balance of your account Typically the balance is changed by doing a transaction against the item Only change the Balance in this screen if you truly need to for your account balance to match your real account balance 15 9 31 PM Edit Item Use 0 for Unlimited Overage Item Transactions Screen This screen shows all the transactions It is accessed by tapping the Transactions button or swiping to the left on the Items screen Tap a transaction row to select it Once selected the transaction can be edited cleared or uncleared To unselect a row tap on the screen title or shake the device Tap the Filter button Y to change which types of transactions are displayed Tap the Sort button f to choose which column the rows are sorted on The date is used as a secondary sort order key when sorted values are equal and the sort order for the date in this case is always ascending If sorted by date specifically then the order can be ascending or descending The Cleared column labeled with a C shows whether the transaction has been cleared indicated by a check mark So
8. me transactions are automatically cleared such as Payday and Transfer types These types of transactions cannot be uncleared The amount value appears in green if it s a credit and red if it s a debit The Transactions Total shows the total of non cleared Carrier cel atye lene ats 2015 01 28 2015 01 28 2015 01 28 2015 01 28 2015 01 31 2015 01 31 2015 01 31 2015 01 31 2015 01 31 2015 01 31 2015 02 01 2015 02 02 2015 02 03 2015 02 04 2015 02 06 Grocery Fuel Grocery Grocery Fuel Home Grocery Grocery Vehicles Shows and N Mortgage Telephone Credit Card Ameren Amazon kitten penc Hicksgas Culligan interest iTunes Shows and A iTunes Kroger gas Kroger IGA gas Ace Hardware toilet HyVee Walgreens milk Carquest itunes payment verizon payment payment payment HEUEA transactions and does take into account the Credits This is the amount of outstanding transactions The Account Balance shows the current account balance Once all transactions are matched up and cleared with one s bank statement the Account Balance should exactly match the amount on the bank statement Only Regular non Cleared transactions can be edited If one wants to edit a Regular transaction that has been cleared then unclear it first Delete a transaction by selecting the row then tap on the Edit button then tap on the Delete b
9. n the Trigger Payday button E 2 Enter 1600 and tap the Trigger button 3 Confirm by tapping Yes and then Ok Balance Budgeted esire Maximum 22 8 Your main window should now look similar to this Carrier gt 4 39 PM 9 You ve gone out to eat and paid 17 with your Visa Card a budget20 1 Tap the Transfer button Enter 17 in the Amount field Enter ate at Tom s Diner in the Comment field Choose Food for the From Budget Item Choose Visa card for the To Budget Item Tap the Done button 10 You ve had the oil changed on your vehicle Balance Budgeted esire Maximum Ore iy 1 Tap the in the upper right corner yellow 2 Enter 34 in the Amount field 3 Enter oil change in the Comment field 4 Select Vehicle for the Budget Item 5 Tap on the Done button 11 You ve received a birthday gift check for 25 and you deposit it into your account 1 Tap the in the upper right corner 2 Tap on the Credit radio button 3 Enter 25 in the Amount field 4 Enter birthday gift in the Comment field 5 Tap the Done button 12 Your Visa bill arrives and you pay the balance of 17 1 Tap on the Visa card row to select it 2 Tap the in the upper right corner 3 Notice that the Visa card Budget Item is already selected since you selected the row before tapping the button 4 Enter 17 in the Amount field 5 Enter paid in full in the Comment field 6 Tap onthe Done button Your bank statement ha
10. nly be active if an item row is selected The user may also shake the device to unselect the selected row The Share button can be used to export the document in CSV comma separated values format via Mail AirDrop Messages or Copy This can be useful if one want to see all the transactions in a spreadsheet or save old transactions before they are purged Here is what the items screen looks like on a small Carrier gt 9 30 PM device in portrait mode if the Reduce Columns for Larger Text setting is enabled testing1 Balance Budgeted Document Management Screen D iCloud Dot Settings About Help 20150201 20150131 testing3 D 20150201 testing3 D iCloud Do Settings 20150201 20150131 testing3 The user may tap on a document to open it The document does not need to be closed but it is an option Opening an unopened document will close any currently opened document settings Screen If budgeting is boring turn on the sound effects for some fun If the sound effects are enabled the volume control can be used for controlling the loudness of this app s sound effects The system volume is not affected In iOS 8 the mute switch on the device will also silence these sounds On some larger devices the space between the item name and the amounts can affect the ease of viewing The user can enable Right Justify Item Name in order to make the items screen a bit easier to view
11. or amounts less than 999 999 999 99 so if you need amounts larger than this this app is probably not for you The user may choose to store documents locally or in iCloud The app will synchronize via iCloud with the Budget Bal app for Mac OS rA O The app was designed for iOS 8 and the iPhone but it will work on iPads as well SELE Settings The app supports landscape and portrait modes Screen Descriptions system Settings The user may choose to use the app with iCloud via the system settings Carrier 7 49 PM Settings Photos amp Camera Game Center Carrier gt 7 50 PM Twitter lt Settings Budget Bal Facebook Use iCloud Vimeo Developer Budget Bal Items Screen Vr Item catchall Air Conditioner Ameren Birthdays Camp Church Computer Stuff Totals testing1 Balance Budgeted 1 710 00 433 63 0 00 Aa Desired 0 00 35 00 240 00 65 00 90 00 er Maximum 2 000 00 5 000 00 197 050 00 The catchall item will always be the first row It is the default item and cannot be deleted If the balance is below zero it is shown in red If it is equal to the maximum then it is shown in green If neither of these is true it is shown in yellow lf the budgeted amount matches the desired amount then it is shown in green otherwise it is shown in red The selected row is shown in a darker blue color The Edit Item button F will o
12. ount over the maximum will go to during a transaction activity assuming the maximum is not zero Overage Items can cascade until the catchall item is reached The catchall item catchall cannot have an Overage ltem other than itself Also in order to prevent infinite loops an Overage Item cannot be chosen that would create an overage cascade back into the item that is being added or modified For Example f the Maximum amount is 500 and the current Balance is 450 and the user credits this item with 100 then the Balance will become 500 and the 50 extra will go into the Overage Item If in turn the Overage Item has its Maximum exceeded then it will also put the extra into its Overage Item and so on Infinite Loop Example Assume that one had three items Home Grocery and Food Now assume that Food s Overage Item was set to Grocery and that Grocery s Overage Item was set to Home If one tried to change Home s Overage Item to Food the item picker would turn red and the Done button would be disabled Name Maximum Use 0 for Unlimited Balance 14 Carrier Edit Item Screen This screen enables the user to edit or delete an item The catchall item cannot be deleted and the only part of it that can be modified is the balance Name An item row must be selected on the Items screen DENIE before the Edit button is active The Delete button is at the bottom of the screen and Buagetea may require scro
13. s arrived and you want to balance it 1 Tap the Transactions button 13 23 2 The Transactions screen should look similar to this 14 Your bank statement has 3 transactions that have cleared 1 2 3 4 The paycheck The oil change The Visa Card payment For each of these transactions clear them by first tapping on the transaction row and then tapping on the checkbox in the upper right corner The transaction will be hidden after it is cleared To see the cleared transactions tap on the Filter button and then switch on the Cleared switch Then if on an iPhone tap the Done button If on an iPad just tap outside the Display Filter popover 24 Carrier BEIG 2015 02 24 2015 02 24 2015 02 24 2015 02 24 8 20 AM Transac Comment oil change birthday gift paid in full Amount C 15 The All Transactions window should now look similar to this 16 The balance on your bank statement should match the Account Balance shown here of 1 549 00 25 Carrier Date 2015 02 24 2015 02 24 2015 02 24 2015 02 24 8 30 AM Transac Comment Amount oil change birthday gift paid in full
14. t screen 2 Close the current document 3 Rename the current document 4 Rename the backup document It will have the same name as the current document prefixed with BKUP 5 Now you may open the backup document that you just renamed and you ll be back to where you were before doing the purge 13 Carrier Purge Old Transactions Purge cleared transactions older than 60 days New Item Screen Carrier gt 9 31 PM Name is a unique item name The same item name New Item cannot be used more than once in a budget document Desired amount is how much the user would like to be able to save towards the budget item each pay period Budgeted amount is how much the user is actually saving towards the budget item each pay period Desired Maximum amount is the most that the user ever will need for this item Enter zero for no maximum Budgeted Example lf one typically spends 800 on groceries each month then a reasonable maximum amount might be 1000 Since the grocery money will be replenished each pay period then there s no reason to have much more than the amount that is typically spent each pay period If on the other hand the budgeted item is a Lotus sports car that you dream you may get someday then you might just enter zero for the maximum indicating that you ll never have extra money that will flow over to some other item Balance is the current amount that is set aside for this item Overage Item is where any am
15. t on a credit card just record a debit transaction against that credit card item If you make a deposit of birthday gift money into your Mad Money budget Item then make a credit transaction against that item 20 Tutorial This tutorial will take you through a hypothetical scenario 1 Install and run Budget Bal mobile You may be prompted to use iCloud Make your choice Tap the button to create a new document The new document will automatically open Tap the button on the lower tab bar the bluish to create a new Item Fill in the form as shown here and tap the Done button Repeat the previous 2 steps for the additional items 1 Food Desired 300 Budgeted 300 Maximum 500 Balance 0 Overage catchall 2 Visa Card Desired 0 Budgeted 0 Maximum 0 Balance 0 Overage catchall 3 Rent Desired 800 Budgeted 800 Maximum 1600 Balance 0 Overage catchall 4 Clothing Desired 100 Budgeted 50 Maximum 500 Balance 0 Overage catchall 5 Phone Desired 120 Budgeted 120 Maximum 240 Balance 0 Overage catchall 6 Beer Desired 90 Budgeted 90 Maximum 200 Balance 0 Overage Food 21 Carrier T Name DENIK m00 0 110 Maximum Balance 4 21 PM New Item Use 0 for Unlimited 6 Your main window should now look similar to this Carrier gt 4 32 PM 7 Now assume payday has arrived and you have earned 1600 and it was deposited directly into your account budget20 1 Tap o
16. utton at the bottom of the Edit screen Cleared transactions cannot be deleted Tapping on the Items button or swiping to the right on this screen will take the user back to the Items screen 16 Display Filter Screen caron Silia The user can choose any combination of which Display Filter transaction types are displayed or hidden If the Cleared switch is the only one enabled then Regular Cleared transactions are shown Cleared lf Regular and Cleared are enabled then all Regular transactions are shown Payday If only Regular is enabled then only Regular non Cleared transactions are shown Transfer lf Payday is enabled all Payday transactions are SHOWN Regular lf Transfer is enabled all Transfer transactions are shown The typical setting would be to have Regular enabled and the others disabled When balancing one s account a cleared transaction will hide itself after the Clear button is tapped If the user need to unclear the transaction they would come to the Display Filter screen enable the Cleared switch then return to the Transactions screen and unclear the transaction 17 Carrier T 9 35 PM Sort Transactions By Screen Tap the category to sort by The first time a category is Sort Transactions By tapped it will sort in ascending order If the category is already selected and the user taps it the sort order will reverse for that category 18 Edit Transactions Screen Saliha i 9 35 PM Th
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