Family Budget - User Manual
Contents
1. separately Receipt Withdrawl Form B Withdraws dick to edit Type of Withdrawl mere nates lose Teaver _ rn pec 12 26 2009 Walmart 20 13 neck Numer bo oO 12 25 2009 Ultimate Enterprises 40 34 m Pay to the Order of Date 12 25 2009 coun Spader r Perkins Resturant Ir 35 27 Banas lua Budget Category Budget Account Spent By inls 2 72 009 wane 7 ee Home and Household Vacation GB 12 23 2009 Vanguard Investment 1 775 00 12 21 2009 McDonalds 10 60 Memo 12 21 2009 Ultimate Enterprises 33 62 Al Transaction Delete 12 21 2009 Shell 38 21 _ has Cleared Transaction 12 21 2009 Shell 20 57 Lot OB nlm ten This is where you will enter in all your receipts checks credit card purchase automatic withdrawals cash withdrawals and so forth 1 Type of Withdrawal Since everyone s withdrawal types will be different this will be blank at first You need to TYPE it in The type will be displayed as an option the next time you enter a withdrawal transaction 2 Check Number Is where you enter in the check number of a written check This box will be inaccessible unless you specify Check in the Withdrawal Type box WARNING If you write a check you MUST specify Check for the Check Number box to be activated so that you may enter the check number 3 Date Enter in the date of the withdrawal not necessarily the current date 4 Pay to the Order of Type in the2. Source Amt to Budget Amt Budgeted Regular Sample Regular Income 2 400 00 2 265 72 Monthly Income 1 Shows ALL sources of Regular income 2 Shows how much CAN BE budgeted for that source 3 Shows how much HAS BEEN budgeted so far that source TROUBLE SHOOTING If for some reason a dialog box appears telling you that you have exceeded the income amount for that souree but you haven t Ignore it It s a glitch reported by several people and I have no idea what is causing it As long as you get the numbers to match you re fine Then the three boxes at the bottom and to the left Blue Red and Green Category Total for Monthly Budget 270 24 Total Income All Categories Needed To Meet Budget 2 325 72 Remaining Regular Income to Budget 74 28 The Blue Box Shows the total monthly income needed for the category viewed In this case for Utilities we need to come up with 270 24 a month to pay all the utilities The Red Box Shows the total monthly income needed for ALL categories With this number you are trying to match the total value for all your regular income sources Once you have distributed your income through all your accounts this number should equal the sum of all your regular income sources The Green Box Shows how much more of your regular income all combined you need to budget This number needs to be at zero to complete your budget WARNING If the green box does not get to zero
3. make sure that the total sum of your accounts equals what you really have in your checking or savings accounts you will very likely overspend We all know how expensive it is to accumulate overdraft fees Once done click the Budget Setup button at the bottom of the screen STEP 4 SETTING UP YOUR BUDGET The budget is where you tell the system where your money is going from your regular income sources only Here is a sample of what it looks like Budget Setup Form Setup your budget here by assigning each account an allotted amount for the sepcified intervals weekly monthly yearly If you pay or use this account weekly then set up a weekly amount if you pay a bill monthly set up a monthly amount Budget Setup for PR Your Total Four Week EviouS Next Utilities Category 4 gt Category Regular Monthly Income 2 400 00 Which Income Souce Weekly Monthly Yearly X Alotted will be used for this Budgeted Budgeted Budgeted Z a oo Amount Account Amount Amount Amount Natural GaS cence E va o Sample Regular Inco 7 13 56 54 24 650 88 Electricity asana aiia Ea il 0 Sample Regular Inco 25 00 100 00 1 200 00 Telephone and DA inea v o Sample Regular Inco 7 15 00 60 00 720 00 DAES AAEE TI EEEE EE E ESA a wo Sample Regular Inco 2 75 11 00 132 00 Water and Sewer ME 45 00 Sa
4. merchant or creditor s name In the future you will find that this box will pre fill itself as you type Or you can select from a drop down menu 5 Amount Enter the amount of the transaction 6 Budget Category Select the appropriate category This is required 7 Budget Account Select the appropriate account to debit This is required 8 Spent By Intl The initials of whoever performed the transaction This is optional and only important if you are interested in tracking who is spending money where 9 Memo Write down details of the transaction This is optional but recommended any time the transaction doesn t make clear what you purchased or paid for 10 Transaction Has Cleared check box This is inaccessible on this form To clear this transaction you will need to click the Clear Transaction button on the far right 11 New Save Transaction button Must be clicked to actually save the transaction When clicked the amount for this transaction will automatically be deducted from the specified account for you This is a reversible action You can delete or change the amount and the account will be debited or credited as needed automatically 12 Delete Transaction button Allows you to delete the transaction if you need to Say you accidently created a duplicate transaction and need to delete one of them Hit this button and the amount that was previously debited will then be credited back t
5. ADVANCE USER FAMILIAR WITH MICROSOFT ACCESS WARNING A knowledge of Mircosoft Access and Visual Basic for Applications is necessary to understand the following section If you are at all unsure please don t attempt any of the procedures listed WARNING Doing any of the following can do irreparable damage to your budget database Please make a copy or a backup This being a Microsoft Database it is possible to fully customize it to your liking You can alter forms create more reports create new tables and redesign the layout To manipulate any of the layout design forms tables and reports hit F11 To manipulate any of the coding click on the View Code in the Design View of the particular Form you are trying to manipulate Many of the reports depend upon information sent from a reports popup form Any manipulation of either the report or the popup form can destroy the relationship between the two Adding new reports to the popup form requires that you add coding to your report to receive information from the popup Use established reports for a guide This will give you some idea of what you can do Enjoy And God bless all of you
6. Family Budget User Manual Created by Greg Baker Requirements Mircosoft Access 2003 or above Index Introduction and Overview Page 3 Page 4 Page 6 The Need for a Good Budget Understanding the Theory of Your Budget Family Budget Main Manager Overview Setting Up Your Budget The Budget Setup Wizard Page 8 Step 1 Setting up your Income Page 9 Step 2 Setting up your categories Page 10 Step 3 Setting up your accounts Page 12 Step 4 Setting up your budget Budget Manager Panel Page 14 The Account Manipulation Form Page 14 The Transfer Form Page 15 The Deposit Form Page 16 The Transaction Form Page 18 The Account Display Form Page 18 The Buttons on the Right Side Page 19 Troubleshooting tips Page 20 For the Advance User of Microsoft Access and Visual Basic Establishing a Good Home Budget THE NEED FOR A GOOD BUDGET One of the major causes of divorce is bad money habits Finances are a difficult thing for many people to manage properly Mismanagement has caused communication difficulties tension frustration anger resentment and suspicion Money has ruined friendships and debt has slain dreams and mired people in desperation For most of these people a simple understanding of the basics of budgeting would have saved them much anguish and grief This manual is meant to help you understand the practical theory behind having a good budget Most digital budget programs on the market today are actu
7. Fees Home Schooling Vacation Moving Expenses Mortgage Yosemite Reserve Fund Diet Health Money Tithe Missions Church Reimbursement Auto Maintenance Groceries and House Needs Current Accounts Click to View Category Home and Household Home and Household Home and Household Home and Household Home and Household Home and Household Home and Household Home and Household Home and Household Church Church Church Automotive Enter a Name for this Account Category this Account is Associated with Account Description X Setup your individual accounts here If you know how much money an account will start with you may enter a current balance amount here otherwise leave blank You can always come back Current Balance 0 00 Add Save vd Examples of Accounts Tithe Missions Auto Insurance Mortgage Rent Natural Gas Flectricity Car Payment Vacation Food My Spending Money This form is essentially the same yellow account manipulation form that you saw on your main panel This form will allow you to create delete change and set the balance of each account Choose a name such as mortgage choose the category to associate it with such as Home and Household write a description if you desire and set the current balance WARNING Setting the balance here is necessary but don t get in the habit of doing this afte
8. Form blue v Transfer money from one account to another account v Transfer excess money from one account into a needy account 3 Deposit Form green Y Deposit money from a Regular Income Source automatically Distributes money according a pre planned budget setup See Budget Setup Wizard Button or Change Edit Budget Button VY Deposit money from a Regular Income Source manually by clicking the Extra Paycheck check box not shown in screenshot above Y Deposit money from an Irregular Income Source manually through all your accounts 4 Transaction Form red v Enter receipts from your daily expenditures to subtract those expenses from your accounts v Debit individual credit card transactions v Debit hand written checks v Debit automatic bank withdrawals v Debit ATM or Cash withdrawals 5 Account Display Screen brown Y See all active accounts and account balances vV See total balance of all accounts v Use to see how much you can spend in each account This manager panel is where you will do most of all that you do in your accounts If your income sources change then you ll need to click on the See Adjust Income Button Which means you may need to adjust your Budget for your regular income as well But that is getting slightly ahead of ourselves Let s start from the beginning and set up your budget from scratch SETTING UP YOUR BUDGET STEP 1 SETTING UP YOUR INCOME SOURCES First click on the Budget Startup
9. Wizard button located in the upper right corner of the panel You should then see the following welcome screen FONI This will set your budget up on a 4 week month No matter if you are paid monthly or bi monthly this budget which works on a four week month will still work for you If you are paid weekly or bi weekly then there will be an occasional Sth week which means you will have nearly an EXTRA pay check to do with as you please To get started click on the Income Setup Button Income Setup Click on the Income Setup Button to set up your income You ll see something like this Income Source Examples Income Setup Form Pay Check STRAIN Checking Interest Credit Card Cashback Your Budget is set up on a 4 week month e Bay Sales Gifts Babysitting Social Security Job Bonus Miscellaneous Total Monthly Income 2 400 00 Total Weekly Income w 2 i Are you Z Enter your Check if o a7 ei paid Gross Take Irregular EEIT Where does this Income come from lt lt lt lt Home Pay Income ae S S Sample Regular Income Job 7 600 00 A redit Card Cash Back ao 0 00 ifts Miscellaneous i 7 0 00 z e Bay Paypal a 0 00 Z Income Tax Return 0 00 E Checking Account Interest 7 0 00 a D m m T 0 00 WK This shows some of the various types o
10. ally nothing more than glorified check registers They don t actually focus on the budgeting aspect properly To have a good budget you need these things 1 The ability to pay for all your expenses with what you make In other words your expenses cannot exceed your income If this is not true for you you need to cut back on your spending 2 The character to let the budget be your boss You must obey the budget 3 Knowledge of the monthly average of every bill and every expense within a normal calendar year Keep ALL your receipts for up to 5 years 4 Common sense in regards to money 5 And a strong desire to get your finances on the right track UNDERSTANDING THE THEORY OF A GOOD BUDGET This is not by any means the only way to do a budget It is however the simplest and in my opinion the most effective Here is the basic theory of budgeting Imagine having a separate bank account for every bill you had And for the sake of argument let s say you get paid weekly at 400 00 a week Each time you get paid you would deposit a portion of that paycheck throughout ALL your bank accounts You would put perhaps a 100 00 in rent 100 00 in Groceries 50 00 in gasoline 25 00 in natural gas 25 00 in electricity 40 00 in tithe and 60 00 in phone and internet bills Your entire weekly check is now distributed throughout the accounts The chart below assumes that monthly bills are paid on the 1 of the month and it is no
11. blem follow this procedure Right click on the Budget Manager Form and select Design View There is usually a button on the menu that allows for this as well Find and click on View Code This will bring up a separate window with Visual Basic for Application encoding Click on Tools Click on References Unclick any checked box that is immediately followed by a MISSING notation Click save Close out all Access windows and reload EXCEEDED INCOME ERROR When you are setting up your budget occasionally an error appears telling you that you have exceeded the income amount for that source but you know you haven t Ignore it It s a glitch reported by several people and I have no idea what is causing it As long as you get the numbers to match you re fine 4 OFF BY A FEW CENTS You may notice when you attempt to reconcile your Budget Program with your bank statements that you are always a few cents off This is due to the rounding features in some of the coding This may or may not be true to you CONVERTING TO NEW VERSION ERROR For some reason converting the database to the newest version may produce a fatal error I haven t had time to figure out why So I suggest you don t do that There is no need to save the information separately Everything can be done directly from the forms Only direct manipulation of the forms reports and tables require saving See advance users FOR THE
12. e an account that was meant only as a temporary expense or only a seasonal expense you may want to inactivate the account so it doesn t show up on your account display panel to the right Just keeps things from being so cluttered THE TRANSFER FORM Transferfom Feray e Groceries and House Needs The transfer form is to allow the moving of money from one account to another It does leave a record that can be accessed through the records table of Mircosoft Access If you don t know what that is then forget it was even mentioned You would use this if you have built up an excess in one particular account say Electricity and want to transfer some of that money to another account say Groceries Or you may be ready to inactivate an account and still has some residue money in it Just transfer it out and then go to the Account Manipulation Form to inactivate the account THE DEPOSIT FORM Deposit Form lage m amp pear Date 2 7 2010 Gifts Miscellane 400 00 m 2 1 2010 Sample Regulai 566 43 1 1 29 2010 Checking Accot 0 15 1 29 2010 Sample Regulai 308 98 1 29 2010 Credit Card Ca 50 00 This is the form where you make all your deposits into your budget Let s say that your weekly paycheck arrived You just type in the date select what source and if it is a regular income for a regular week just hit the New Save Deposit button Your money will automatically be distribu
13. ever spend more than is actually in the account Always look at your budget to know how much you can spend in each area Step 7 Subtract any payments or receipts from the appropriate categories every day you spend money Step 8 Repeat steps 5 7 A budget isn t a complex thing but it does take discipline You must let that budget become your boss You must let it tell you if you can or cannot spend a certain amount of money You see you don t actually open up a separate checking account for each bill Instead you keep track of it either on paper or digitally When you add up all the money in all of your accounts the total should equal what you have in your checking account There are 4 ways you can keep track of your budget accounts 1 In envelopes Use 1 envelope for every expense or account Each week cash your check and divide the money up into your various envelopes When you need money for say gasoline you open that envelope and see how much you can spend 2 On paper like a spreadsheet You designate a page for each account bill or expense You then draw columns Start with how much you have in that account and add or subtract as necessary Your money stays in the bank this way but you are able to clearly see how much you can spend in each account 3 Ona computer via a spreadsheet You follow a similar method as number 2 But here you can use calculations of the spreadsheet to do the adding and subtracting for
14. f income that you may or may not have Notice that the Sample Regular Income Job is the only one not marked as irregular income This is the main source of income The rest of the income is either 1 Infrequent 2 Always variable These types of income need to be marked Irregular Anytime you get income from one of these sources you ll need to manually disperse the money across your budget The only accounts that need a dollar amount entered into the Enter Your Gross Pay box are those that are regular sources of income All irregular income sources stay at 0 00 Only what you can absolutely count on will you set up for automatic distribution throughout your budget What is irregular is always an unknown You can t know how much money you will get so it is impossible to set up an automatic distribution of money from those sources Leave all irregular income as zero ALTERNATE SENERIO You are in sales and so your commission is always different and always variable However you can count on say 500 00 a week If that is true you can set up two income sources One that is REGULAR called Regular Commission and one that is IRREGULAR called Irregular Commission The Regular Commission will have 500 00 put in the Enter Your Gross box The Irregular Commission will remain 0 00 So if you get paid one week 750 00 You would deposit your regular 500 00 under the Regular Commission which will be automaticall
15. mple Regular Inco 11 25 45 00 540 00 Yosemite Water and Sewer Hae 000 z 0 00 0 00 0 00 Source Amt to Budget Amt Budgeted Category Total for Monthly Budget 270 24 Regular Sample Regular Income 2 400 00 2 265 72 Total Income All Categories Needed To Meet Budget 2 325 72 ee Remaining Regular Income to Budget 74 28 The Budget Setup displays your accounts by category Let s breakdown the screen starting with the Natural Gas account at the top of the list 1 Determine if Natural Gas is paid weekly monthly or yearly Check the appropriate box 2 Put the amount budgeted in the Allotted Amount Box Natural Gas is a variable expense Here we have calculated the average over an entire year and put 54 24 During the summer months this is much more than needed But the excess just adds up so that in the winter months we have the extra to make the payments 3 Chose which Regular Income Source to draw the money from If you have more than one Regular Income Source remember that you can only chose one of them for each account You can t split income up between two sources for one account Not with this budget anyway 4 The last three boxes are filled out automatically They show how much of your weekly paycheck goes into that account shows the monthly amount allotted and also the yearly amount for your information The Regular Monthly Income Box to the bottom right
16. o the account THE ACCOUNT DISPLAY FORM f Accounts Total 2 413 62 __ This form merely displays all your ACTIVE accounts balances and a grand total at the bottom The Accounts Total amount should be equal to your bank account balance If they are not you have an error somewhere BUTTONS ON THE RIGHT SIDE 1 Budget Setup Wizard To setup the initial budget 2 See Adjust Income To change or add regular or irregular income sources 3 Add Edit Categories To change add or delete categories for accounts Change Edit Budget To alter how your regular income is distributed Clear Deposits To assist in balancing your budget with your bank statements Clear Transactions To assist in balancing your budget with your bank statements Spending Reports Detailed and customized reports for your transactions Income Reports Detailed and customized reports for your deposits Run Calculator Runs the calculator TROUBLESHOOTING LOADING ERROR If the program loads up into Access with an error and asks you to Debug Don t This is because you have most likely deleted information that the program assumes is there Simply set your budget up from the Setup Wizard and this problem will go away MISSING REFERENCE Error If for some strange reason you get an error that says Missing References this is due to different libraries that Access needs To solve this pro
17. r the budget is completely set up The balance needs to be as close to the amount that should be there according to when the bill or payment is due For example if it is week 2 of the current month out of 4 weeks and your mortgage is 400 00 payable on the first of next month the ideal starting balance would then be 200 00 WARNING When you first set up your budget you are very likely not going to have the correct balances in each account that you need This is because you have been living from paycheck to paycheck It will take around 2 months of penny pinching to get all your accounts to where they need to be When your budget is done right you ll actually have about a month s reserve of money all the time So for the first couple of months you need to save as much money as you can from extraneous or variable accounts so you can build your essential accounts to the levels they ought to be Make sure you click the Add Save Account button to save the information of your account This will be important if you change the information later If you don t click the button your changes will not be saved Once you have all your accounts set up with their current balance you need to double check that the sum of all the accounts equals the balance of your checking accounts minus all checks and transactions that may not have cleared your bank and add any deposits that may not have shown up on your statement WARNING If you don t
18. ted throughout the budget according to how you set it up in the Budget Wizard WARNING Once you hit the New Save Deposit button it is an action that cannot be undone The budget doesn t keep track of where your money went for each deposit It just sends it and records that there was a deposit and the total deposit If you deposit something in error yov Il have to use the Account Manipulation Form to manually adjust the balances If your income source is irregular or you have an extra week regular income check or you just want to enter the income manually select the Extra Week Reg Income check box to see a list of your accounts to manually distribute your money into 2 7 2010 ource Sample Regular In Fae a Sample Regulai 303 98 600 00 9 2010 Credit Card Ca 50 00 There are several things you need to be aware of with this particular form 1 Tab out of the field before hitting the Apply Deposits button If you don t tab out it won t record the amount for your last entry In other words once you put 125 00 in groceries you need to hit the TAB button on your keyboard to go to the next account field If you don t TAB out of the account it won t be recorded 2 Make sure that the Remaining Amt to Deposit line reaches 0 00 before hitting the Apply Deposits button In the above example if you hit the button now 415 00 will be lost You ll have to deposit that money again
19. w week 3 of the current month Account Expense Weekly Budgeted Actual Expense Paid Weekly Current Amount Bill Monthly Amount Rent 100 400 Monthly 300 Groceries 100 100 Weekly 102 Natural Gas 25 100 Monthly 75 Electricity 25 100 Monthly 75 Tithe 40 40 Weekly 40 Phone Internet 60 240 Monthly 180 Legend e Weekly budgeted amount how much of the weekly paycheck goes into that account e Actual Expenses Is how much you actually have to pay to pay the expense e Paid Weekly Monthly Just tells us how often the bill is paid e Current Amount Is how much money resides in the account in this case on week 3 Your budget needs to be set up on a 4 week month Only three months out of the year will there actually be an extra paycheck only for those paid weekly or every other week The budget works best when you base it off of 4 weeks of paychecks The theory is that you set aside a portion of your paycheck for each account or expense When the bill comes due the money has grown to pay off the expense It Il be there when you need it You won t have to scrounge around try to stall until the next paycheck beg borrow or steal You always have the money set aside for the expense When Rent reaches 400 in the above example you would then pay the landlord 400 and subtract that amount from your rent account Some accounts like groceries are debited every
20. week and often more than once a week But it doesn t matter You credit each account or expense with money every time you are paid When you go to buy groceries you simply look at your grocery account and see how much you can spend In the above example there is 102 The 2 is left over from the previous week that was never spent You can spend some or all of that 102 on groceries What you don t spend this week you simply allow it to roll over into the next week As long as you don t spend more than 102 you won t be taking money that is set aside for rent or electricity Doing your budget this way tells you how much money you can spend in that category or expense This keeps you from overspending and from taking money that needs to be set aside for another use in the future Step 1 List every expense and debt you have Step 2 Break them into categories like Home and Household Utilities Vehicle and so on Step 3 Determine how much money you need for that expense on a monthly 4 week average Some expenses like natural gas vary depending on the season Take the average of an entire year and use that amount for your monthly budget Step 4 Determine how much of your weekly paycheck needs to go into each account so that by the time the bill is due you can pay it off usually 1 4 of the amount due Step 5 Every time you get paid take 4 of the monthly amount needed and add it to each account Step 6 N
21. y distributed throughout your budget You then deposit 250 00 in the Irregular Commission Income source which will then ask you to manually distribute the money into your accounts Once you have entered all your regular and irregular income click on the Setup Categories button at the bottom of the screen STEP 2 SETTING UP YOUR ACCOUNT CATEGORIES This screen is designed to set up generic categories that your various accounts expenses bills debts will fall under They need to be fairly general See the example below Category Setup For Home Budget List All Budget Category Names Home and Household Church Automotive Medical Miscellaneous Utilities Web Buisness Category Examples Utilities Home Savings Micrellaneniis Automotive Medical Church You may need a category called Credit Card Debt if you have a variety of credit cards that you are trying to pay off Enter in all of the categories your bills and expenses can fall under If you aren t sure then you may place the expense under the miscellaneous category Once you have chosen your categories click on the Accounts Setup Button at the bottom of your screen STEP 3 SETTING UP YOUR ACCOUNTS Your accounts represent all the individual bills expenses and debts that you must pay on Don t merge expenses if you pay them separately Have complete individual accounts Account Yosemite Mortgage Internet
22. you 4 Use a good budget program for your computer A good budget program automates most of this process explained above The budget program that comes with this manual is one such system That s the basic theory With that in mind let s take a closer look at the budget program itself THE FAMILY BUDGET PROGRAM Requires Mircosoft Access 2003 or Above The Family Budget is designed to automate much of the budgeting process for you It does all the calculating addition and subtraction while presenting your money in a clear and easy to find manner SUGGESTION Create a copy of your budget program to play around with until you are familiar with all the functions and features n Gifts Miscellaneou 3 Chex 9 14 isce 400 00 Henare Type of Withdrawl Automatic Bank Withdrawl 7 Date Check Nur r40 Pay to the Order of 8 5 2009 Sen s 47 11 Wreless Crcke 11 78 Xcel Energy 18 6 2009 Advanced Auto Parts 106 Budget Spent By Inis 3 5 09 Offce Mex 59 49 Utilities GB M 8 4 2009 Walmart 4 8 4 2009 Al Signal Wreless Cricke 102 68 Memo GMAC Mort 851 41 st 8 3 2009 Wendy s The main panel consists of 5 areas 1 Account Manipulation Form yellow v Manipulate accounts directly Y Change account balances directly v Add new accounts v Activate and Inactivate accounts to show or not show on the Account Display Screen 2 Transfer
23. you have not budget ALL your income This will create havoc with your budget You ll always seem to lose money when you compare your budget to your checking accounts If you have excess then praise the Lord And go back and create a personal account to put all the extra money into Once finished click on the Budget Manager button and you will be taken to the main panel That s it Your budget is now set up Congratulations THE BUDGET MANAGER PANEL EXPLAINED As said in the overview there are five parts to the manager Let s take them one at a time THE ACCOUNT MANIPULATION FORM Account Manipulation Form Groceries and House Needs Home and Household x Such things like diapers cleaning supplies food and etc issions 5 Church Reimbursement New Save 15 62 m This form is nearly identical to the Account Setup Form in the Budget Wizard It accomplishes the same things If you need to add an account without having to go through all the former procedures this is where you would do it WARNING You can change the Balance of any account directly from here But you should only do so if you know that you have a balance error in the account Even then it is often better to create a transaction or a deposit to balance out the account so you have a record of what you did Doing it here will leave no record of the change Very dangerous This is the easiest way to activate or inactivate an account If you hav
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