Budget Bal User Manual
Contents
1. bounce and other inadvertent mouse clicking So in order to clear or unclear a transaction check the ECC box and then check the Cleared box The Show Transaction box lets one filter which transactions are displayed Usually only the Regular box is checked One can choose any combination of which checkboxes are checked in order to filter the display The Cleared checkbox if checked by itself will show Regular Cleared transactions If Regular and Cleared are checked then all Regular transactions are shown If only Regular is checked then only Regular non Cleared transactions are shown If Payday is checked all Payday transactions are shown If Transfer is checked all Transfer transactions are shown 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 The Selected Sum shows the sum of the selected rows Selected rows are highlighted in grey and multiple rows can be selected The Transactions Total shows the total of non cleared transactions and does take into account the Credits This is the amount of outstanding transactions The Debt Transactions Total shows the total of non cleared transactions but does not include Credits This is the amount that one owes if all debts became instantly due Edit a transaction by selecting the row and clicking on Edit and pressing Shift Enter Only Regul2. transactions older than the number of days specified here File Export Exports the budget as a CSV file which one can then import into Numbers or some other spreadsheet app Item Add New Name Desired Budgeted Maximum Balance Overage Item catchall v Cancel Apply Name is a unique item name The same item name can not 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 Maximum amount is the most that the user ever will need for this item Enter zero for no maximum 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 normally 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 amount 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 it
3. 18 Right Click on the Visa Card row in the main table 1 Enter 17 in the Amount field 2 Enter paid in full in the Comment field 3 Click Apply 19 Your bank statement has arrived and you want to balance it 20 Select Transaction Show All or press Option S 21 The All Transactions window should look similar to this Comment Amount 10 29 14 12 27 PM PAYCHECK 10 29 14 12 42 PM oil change Regular 10 29 14 12 46 PM birthday gift Regular 10 29 14 12 49 PM paid in full Regular i Account Balance Transactions Total Show Transactions 1 600 00 26 00 Cleared Selected Sum Debt Transactions Total Transfer 00 22 Your bank statement has 3 transactions that have cleared 1 The paycheck 2 The oil change 3 The Visa Card payment 23 For each of these transactions clear them by first clicking on the ECC checkbox and then the Clear the transaction checkbox 1 For example for the Paycheck row click on the ECC checkbox It now has a check in it Now click on the Clear the transaction checkbox The row will disappear 11 24 If the Cleared checkbox in the Show Transactions box is not checked then the row will disappear when it has been cleared The All Transactions window should now look similar to this 10 29 14 12 46 PM Show Transactions Cleared Payday Transfer v Regular Comment Type Entry Amount C ECC birthday gift Regular Account Balance Transactions Total 1 549 00 25 00 Selected Sum Debt Transac
4. Budget Bal User Manual v1 0 Updated 2014 October 24 Table of Contents Budget Bal User Manual Table of Contents Synopsis The Main Budget Window Description of Menu Items Budget Bal Preferences File Export Item Add New Item Modify Item Delete Transaction Add Transaction Show All Transaction Transfer Tools Trigger Payday Tools Purge The All Transactions Window Example Quick Start Tutorial Oo O ON NN OD A A BWW WwW NY NYS el Synopsis The Budget Bal application is used to record your financial transactions with respect to the budget item the cost is applied towards The goal is to have enough money for each of the items that one wants money for If there s extra then it can go towards savings or niceties If not then one can see where the budget needs cut This manual will show a typical scenario for budgeting and balancing one s bank statement 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 account statement The Main Budget Window 0 demonstration Budget Items Item A Desired Budgeted Maximum Balance 0 00 12 000 00 1 200 00 1 000 00 meeienee cmeeenee 14 050 00 1 175 00 18 200 00 2 030 46 N m When you create a new document or load an existi
5. all item that can be modified is the balance The remaining items are explained in the Item Add New section of this manual Item Delete If no items are selected when this menu option is chosen then it will default to nothing One may choose the Item to Delete from the item menu If an item row is selected in the main budget window then that item will be chosen by default One may still change the item to delete lf any other items use the deleted item as an Overage Item then this items will have their Overage Item changed to catchall Any transactions associated with the deleted item will move to the catchall item The catchall item cannot be deleted Transaction Add e Debit amount will be subtracted from budget item Credit amount will be added to budget item Amount Comment Date 10 24 2014 5 05PM Budget Item Gifts ni Cancel Apply This is the most common operation one will do with Budget Bal There are three different ways to activate this operation 1 The menu item 2 right clicking on a budget item in the main window 3 the hotkey Option A If a budget item row is selected in the main table 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 expendit
6. ar 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 and clicking on Delete or press the Delete key Cleared transactions cannot be deleted 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 After installing add all the Items you want as part of your budget Enter all outstanding transactions you currently have It s possible that you don t have any 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 Use the Transfer operation to transfer funds from whichever budget item is appropriate to the credit card Item For example if you have a Clothing budget item and you bought shoes with your Visa card then transfer that amount of money From Clothing To Visa Credit Card 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 From this point on you would record any transactions that you make If you make a payment on a credit card just record a debit transaction against that credit card item If you make a deposit of birt
7. count 1 Select Tools Trigger Payday 2 Enter 1600 and click Apply 3 Confirm by clicking Ok 10 catchall Beer Clothing Food Phone Rent Vehicle Visa Card 1 660 00 1 560 00 23 040 00 1 600 00 Your main window should now look similar to this 250 00 0 00 Maximum 0 00 200 00 900 00 900 00 240 00 1 600 00 20 000 00 0 00 Budgeted 200 00 eS 11 You ve gone out to eat and paid 17 with your Visa Card 12 Select Transaction Transfer for press Option X 1 Select Food in the From field 2 Enter 17 in the Amount field 3 Select Visa Card in the To field 4 Enter ate at Tom s Diner in the Comment field 5 Click Apply 13 You ve had the oil changed on your vehicle 10 14 Select Transaction Add or Right Click on the Vehicle row in the main table 1 If you chose Transaction Add then select Vehicle in the Budget Item field 2 If you chose to Right Click then the Budget Item field will already have Vehicle selected 3 Enter 34 in the Amount field 4 Enter oil change in the Comment field 5 Click Apply 15 You ve received a birthday gift check for 25 and you deposit it into your account 16 Select Transaction Add or Right Click on the catchall row in the main table 1 Click on the Credit radio button 2 Enter 25 in the Amount field 3 Enter birthday gift in the Comment field 4 Click Apply 17 Your Visa bill arrives and you pay the balance of 17
8. day Payday Payday Payday Payday Regular Regular Regular Regular Entry Credit Credit Credit Credit Credit Credit Credit Credit Amount 3 000 00 800 00 0 00 10 24 14 7 12 PM catchall 10 24 14 7 12 PM Home 10 24 14 7 12 PM catchall Overage transfer from Groceries to catchall Credit Overage transfer from Home to catchall Overage transfer from Home to catchall Credit Account Balance Transactions Total 5 250 00 219 54 4A Cleared Selected Sum Debt Transactions Total 7 Payday 124 54 244 54 A Transfer 5 Show Transactions This window shows all the transactions Itis accessed by selecting the Transaction Show All menu or using the hotkey Option S All columns are sortable by clicking on the column title 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 columns are also sizable but the order cannot be changed The Cleared column shows whether the transaction has been cleared Some transactions are automatically cleared such as Payday and Transfer types These types of transactions cannot be uncleared The ECC columns is used to Enable Cleared Column The Cleared checkbox cannot be checked unless the corresponding ECC column checkbox is checked This prevents accidental clearing due to click
9. em cannot have an Overage Item 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 an error message would be presented warning of the loop that would be caused ltem Modity item to Modify catchall v Name Desired Budgeted Maximum Balance 149 96 Overage Item Cancel Apply If no items are selected when this menu option is chosen then it will default to catchall One may choose the Item to Modify from the item menu If an item row is selected in the main budget window then that item will be chosen by default One may still change the item to modify A shortcut for modifying an item is to double click on it in the main budget window If one wants to rename the item then use the Name field otherwise leave it blank The only part of the catch
10. hday gift money into your Mad Money budget Item then make a credit transaction against that item Tutorial This tutorial will take you through a hypothetical scenario 1 Install and run Budget Bal You may be prompted to use iCloud Make your choice Select File New Select Item Add New Fill in the form as shown here and click Apply 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 Name Vehicle 3 Rent Desired 800 Budgeted 800 Maximum 1600 ot ge 1S Desired 250 00 Balance 0 Overage catchall 4 Clothing Desired 100 Budgeted 50 Maximum 500 ee 200 00 Balance 0 Overage catchall Maximum 20 000 00 5 Phone Desired 120 Budgeted 120 Maximum 240 ee mp Balance 0 Overage catchall 6 Beer Desired 90 Budgeted 90 Maximum 200 Overage Item catchall a Balance 0 Overage Food C Appl 6 Select File Save ance pply 7 Enter a filename and click on Save 8 Your main window should now look similar to this catchall Beer Clothing Food Phone Rent Vehicle Visa Card M 1 660 00 1 560 00 23 040 00 0 00 Balance Maximum 0 00 200 00 900 00 900 00 240 00 Budgeted 1 600 00 20 000 00 0 00 200 00 LLL 9 Now assume payday has arrived and you have earned 1600 and it was deposited directly into your ac
11. ng document the main budget window is displayed The catchall item exists by default and it cannot be deleted The amount columns can be arranged in whatever order the user wants Each column is sortable by clicking on the column title If the budgeted amount is less than the desired amount then it is shown in red otherwise it is shown in green 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 The selected row is shown in grey If the selected row has an overage item set other than catchall then it is highlighted in a dark gold Description of Menu Items Budget Bal Preferences v Automatically load the last saved budget document on start up Enable Sound For the Purge Operation keep this many days worth of GO transactions press Enter after inputting numbers lf Automatically load is checked then the last saved budget document will automatically be loaded when the application is started The last item in the Open Recent menu is used to determine which budget was saved last If you Clear the Open Recent menu then the document will fail to open upon start up lf Enable Sound is checked then a sound will be heard when the user tries to clear a transaction using the Clear transaction checkbox in the All Transactions window without checking the enable clear box first The Purge Operation will delete cleared
12. sactions to keep is determined by the setting in Preferences 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 file before the purge or just save a copy of your budget under a different name 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 The All Transactions Window 10 24 14 7 12 PM 10 24 14 7 12 PM 10 24 14 7 12 PM 10 24 14 7 12 PM 10 24 14 7 12 PM 10 24 14 7 12 PM 10 24 14 7 12 PM 10 24 14 7 12 PM 10 24 14 7 12 PM 10 24 14 7 12 PM 10 24 14 7 12 PM 10 24 14 7 12 PM 10 24 14 7 12 PM 10 24 14 11 52 AM 10 24 14 11 51 AM 10 24 14 11 52 AM 10 24 14 11 51 AM 10 24 14 7 12 PM catchall Groceries catchall catchall catchall catchall Trip catchall catchall catchall Auto Sofa Home Trip catchall Groceries Groceries Groceries Comment PAYCHECK PAYDAY PAYDAY PAYDAY PAYDAY PAYDAY PAYDAY PAYDAY PAYDAY PAYDAY PAYDAY PAYDAY PAYDAY Chicago deposit Kroger milk Overage transfer from Groceries to catchall demonstration All Transactions Paycheck Payday Payday Payday Payday Payday Payday Payday Pay
13. tions Total 0 00 0 0 0 25 The balance on your bank statement should match the Account Balance shown here of 1 549 00 26 That s it You may close the window and then choose File Save and then File Close and then File New to get started with your own budget 12
14. ure 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 Transaction Show All One may also use the Option S hotkey to activate this operation The All Transactions window will appear It will be discussed later in this manual Transaction Transfer From Amount To catchall v catchall v Comment Cancel Apply EE eee Transfer Amount from one item to another The balance in your account will be unaffected by transfers From is the item to removed the Amount from To is the item to put the Amount into Comment is whatever you want If you make a mistake when doing a transfer and you ve already Applied it then you can either Revert the document or you can just do another transfer in the opposite direction Use Option X as a shortcut for showing the Transfer window Tools Trigger Payday Payday Amount Cancel Apply Enter the Payday Amount This amount is put into catchall and then the Budgeted amount for each item is transferred from catchall to that item As with any transaction the overages will also be applied It s a nice situation when one sees item budgets spilling over into catchall Tools Purge Purges old cleared transactions The number of days of tran
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