Manual - Oakscastle
Contents
1. Revision 1 Created a new Revision of a Budget To revise a budget first go in the edit window then click the Create a Revision button This will increase the Revision number and allow you to edit the start month for the new revision Edit Budget Budget Year 2015 Revision 2 Create new revision Starting Month February _ Ending Month December 2 200 250 650 Income Entertainment Groceries Living 1 000 Utilities 300 Income 2 200 00 Expense 2 200 00 Save Cancel Delete a Budget From the Budget Manager select the Budget you wish delete and click the Delete Budget button You will be promoted with a confirmation dialog box WARNING You cannot undo this action 8 Reports To get to the report manager select Reports from the menu bar and then Report Manager or use the short cut R P39Financial File Accounts 0 a Budget Window Help ul 2 cena Report Manager Balance all Accounts 1 500 00 Account 1 Revision 1 8090 P39 Financial Balance all Accounts 3 525 39 eee ACCOUNTS Envelope Summary Report Options Bank Account Select Year 2015 Savings Account Select Month January Monthly Budget Report _ Annual Budget Report Run Report ENVELOPES Automobile 44 87 Discretionary 245 62 Entertainment 171 73 Grocery 346 42 Housing 2 447 29 Medical 96 48 Utilities 172 98 Running a report To run a report select the year2. P39 Financial USER MANUAL Honor the Lord with your wealth with the first fruits of your crops Proverbs 3 9 Revision 1 Table of Contents About System Requirements Installation Getting Started Welcome Add Accounts Add Envelopes Transactions Adding a transaction Edit a transaction Delete a transaction Importing Data Budgets Create a Budget Edit a Budget Created a new Revision of a Budget Delete a Budget Reports Running a report Printing a Report Account Manager Open Account Manager Add Account Edit Account Close Account Transfer Funds between Accounts Add an Envelope Edit an Envelope Close an Envelope Transfer funds between Envelopes Credit Cards Add a Credit Card Account How to use a Credit Card in P39 Financial Credit Card Payments Dealing with existing credit card debt Revision 1 OOONN DD HPWWWW W 1 About Thank you for choosing P39 Financial P39 Financial is designed for use by the average person who wants to track their expenses P39 Financial was designed around the envelope method This principle or concept is that each month you deposit a specified amount of money in to each envelope this is all the money you have to spend in that category for the month When the money is out that s it no more spending 2 System Requirements Intel Mac OS X 10 8 or newer 3 Installation To install P39 Financial just copy the program to the folder of your choice 4 Getting S
3. and the month for monthly reports only select which report you wish to run and then click Run report eoo P39 Financial Balance all Accounts 2 326 24 Grint Saport ACCOUNTS Account 1 January 2015 MONTHLY ENVELOPE BUDGET REPORT Report Date 1 29 15 Total Deposits 1200 00 373 76 826 24 BUDGET DEPOSITS DELTA INCOME 2200 00 1200 00 1000 00 ENVELOPES 931 55 Utilities 4 Entertainment 344 69 Grocery 700 00 Living 981 55 Utilities 300 00 Printing a Report To print the report click the Print Report button Revision 1 9 Account Manager Open Account Manager To access the account manager click Accounts from the menu bar then click Account Manager P39 Financial File Reports Budget Window Hel 800 Account Manager SA Add Transaction T 1 Balance all Accounts Edit Transaction sm COUNT Delete Transaction D ACCOUNTS Type Chec Import Data a pn seeren Account 1 EPO Arrnunt saM nn eoo P39 Financial Balance all Accounts 2 326 24 Account Manager ACCOUNTS ACCOUNTS Account Name Account Type Current Balance Status Add New Account Account 1 CHECKING 1 826 24 Active Account 1 1 826 24 Account 2 CHECKING 500 00 Active Edit Selected Account Account 2 500 00 Account 3 CHECKING 0 00 Active Account 3 0 00 Transfer Funds ENVELOPES Entertainment 344 69 Grocery 700 00 Living 981 55 ENVEL
4. OPES EEFE eee Utilities 300 00 Envelope Name Current Balance Status Add New Envelope Entertainment 344 69 Active Grocery 700 00 Active Edit Selected Envelope Living 981 55 Active Utilities 300 00 Active Transfer Funds Revision 1 Add Account To add an account navigate to the account manager and click Add New Account Add Account Account Type CHECKING gt Start Date 1 20 2015 le Beginning Balance 0 Divide Opening Balance to Envelopes Envelope Name Transfer Amount Entertainment 0 00 Groceries 0 00 Living 0 00 Utilities 0 00 Envelope Total 0 00 Add Account Cancel When adding a new account you must distribute the beginning balance to the appropriate envelopes Edit Account To edit an account navigate to the Account Manager select the Account and click Edit Selected Account Edit Account Account Type CHECKING a y Account Balance 1 826 24 Close Account Save Changes Cancel NOTE The beginning balance on an account can not be edited Revision 1 Close Account To close an account navigate to the Account Manager select the Account and click Edit Selected Account Click the Close Account button to close the account NOTE To close an Account the Account Balance must equal 0 00 Transfer Funds between Accounts To transfer funds between account navigate to the Account Manger and click Transfer Funds Transfer Money between Accoun
5. count Manager and click Add New Account In the Account type select Credit Card Add Account Account Type CHECKING J SAVINGS Start Date DEBIT CREDIT CARD Beginning Balance VQ Divide Opening Balance to Envelopes Envelope Name Transfer Amount Entertainment 0 00 Groceries 0 00 Living 0 00 Utilities 0 00 Envelope Total 0 00 Add Account Cancel After selecting the Credit Card type you will notice the Beginning Balance is set to 0 and the Envelope table is disabled Add Account Account Type CREDIT CARD Start Date 1 20 2015 Credit Card Balance 99 Divide Opening Balance to Envelopes Envelope Name Entertainment Groceries 0 00 Living Utilities 0 00 Envelope Total 0 00 Add Account Cancel Revision 1 How to use a Credit Card in P39 Financial Transactions should be entered manually or imported as you would for a Checking Account P39 Financial considers a credit card purchase as any other purchase i e not on credit and the money is pulled out of the account on the Transaction Date As a result you will notice that the account balances are adjusted accordingly A negative Credit Card Account balance i e debt will subtract from the overall account balance Balance all Accounts 2 126 24 ACCOUNTS Account 1 1 826 24 Account 2 500 00 Credit Card 200 00 Credit Card Payments To make a credit card payment you transfer funds between Accounts as an example from
6. empty you ve reached the limit and no more spending For the method to work electronically both the account balances and envelope balances must match There are several checks and balances designed in to the program to help prevent an error in balances however it can happen An example of this is when you import data the imported data will not be assinged to any envelopes and therefore will result in the balances not matching When balances don t match a visual indication is given You will see the ERROR in the upper menu and an exclamation point will be next to the transaction with the error Just edit the transaction and distribute the money to the appropriate envelopes and the messege will go away To begin you must have at least one account and one envelope You can add additional accounts and envelopes at any time ACCOUNTS Add Account ENVELOPES Add Envelope Account Name Beginning Balance Envelope Name Beginning Balance ENVELOPES Account 1 1 000 00 Living 300 00 Account 2 500 00 Entertainment 200 00 Utilities 300 00 Grocery 700 00 Account Total 1 500 00 Envelope Total 1 500 00 Balance Delta 0 00 START USING P39 FINANCIAL NOTE Credit Cards can be added later from the Account Manager You can edit the beginning balances for either the Accounts or Envelopes by double clicking on the amount The START USING P39 Financial button will only be enabled when the totals in the Accounts equals the totals in the Envelope
7. etup to do an annual budget one budget per calendar year However you can revise a budget several times through out the year as your budget needs change To create a budget go to the Budget Manager by selecting Budget from the menu bar and then Budget Manager or use the short cut 6B eoo P39 Financial Balance all Accounts 1 500 00 Budget Manager ACCOUNTS Account T 1 000 00 Budget Year Revision From To poems SPORON Income No Selection Create New Budget Edit Budget Envelope Amount Delete Budget ENVELOPES Entertainment 200 00 Grocery 700 00 Living 300 00 Utility 300 00 Revision 1 From the Budget Manager window select create new Budget which will bring up the add a budget window Create Budget Budget Year 2016 Budget begins on January 1 Income Entertainment Groceries Living Utilities Income 0 00 Expense 0 00 Save Budget Cancel Select the Budget year and enter the values by double clicking the amounts in the table Click the Save Budget button to save the budget Edit a Budget To edit a budget from the Budget Manager highlight the budget and click Edit Budget Edit Budget Budget Year 2015 Revision 1 Create new revision Starting Month January Ending Month December Income Entertainment 250 Groceries 650 Living 1 000 Utilities 300 Income 2 200 00 Expense 2 200 00 Save Cancel Double click the amounts to edit them
8. ing Data To import data be sure the correct account is selected From the the menu bar select Accounts then Import Data or use the short cut l P39 Financial eoo Balance all Accounts 3 993 21 ACCOUNTS Bank Account 2 793 21 Savings Account 1 200 00 ENVELOPES Automobile 245 85 Discretionary 419 42 Entertainment 280 82 Grocery 418 19 Housing 2 412 29 Medical 0 00 Utilities 216 64 IMPORT TRANSACTION DATA QFX Format Destination Account Bank Account Select File Import Data Remove Relected Transaction Check Payee Deposit Expenses Currently only QFX OFX format is supported Select Select File to select the file to be imported The imported data will be displayed When ready the import click the Import Data button eoo Balance all Accounts 3 993 21 ACCOUNTS Bank Account 2 793 21 Savings Account 1 200 00 ENVELOPES Automobile 245 85 Discretionary 419 42 Entertainment 280 82 Grocery 418 19 Housing 2 412 29 Medical 0 00 Utilities 216 64 Revision 1 P39 Financial IMPORT TRANSACTION DATA QFX Format Destination Account Bank Account Select File Import Data Remove Relected Transaction Date Type Check Payee Deposit 12 31 14 CREDIT 0 Paycheck 1 414 31 12 31 14 DEBIT 0 FOOD STORE 0 00 12 31 14 DEBIT 0 Gas Station 0 00 Expenses 0 00 12 47 38 19 7 Budgets Create a Budget P39 Financial s budgeting is s
9. ount Name Beginning Balance Envelope Name Beginning Balance ENVELOPES Account Total 0 00 Envelope Total 0 00 Balance Delta 0 00 START USING P39 FINANCIAL NOTE Credit Cards can be added later from the Account Manager Revision 1 Add Accounts To add an account click the Add Account button This will open the add account window Add Account Account Type CHECKING Opening Balance Add Account Cancel Type in the account name select the account type enter an opening balance and click Add Account to add the account You may cancel the window by clicking the Cancel button Note Credit Cards can not be added at this time they can be added later Add Envelopes To add an Envelope click Add Envelope button This will open the add envelope window Add Envelope Opening Balance Add Envelope Cancel Type in the envelope name enter an opening balance and click Add Envelope to add the Envelope You may cancel the window by clicking the Cancel button Revision 1 eoo P39 Financial Balance all Accounts 0 00 WELCOME Thank you for purchasing P39 Financial we hope you enjoy it P39 Financial is a financial program designed around the envelope method This is ACCOUNTS an old concept where money is divided and placed in several physical envelope When money is needed to purchase something groceries for example money is taken from the grocery envelope When an envelope is
10. ount to edit it The envelope post date which is useful when you want transactions to post on the 1st of the month but it cleared the bank on the 30th of the previous month Changing the post date on the envelope transaction does not affect the account dates which will make tracking and budgeting easier Revision 1 Edit a transaction To edit a transaction make sure you have the account transaction selected then select Edit Transaction from the menu or use the short cut dM Edit Transaction Date 1 20 2015 Type DEBIT Check Payee Another Store Expense 120 Memo Post Date Envelope 1 22 15 Entertainment 1 22 15 Living 1 20 15 Groce 1 20 15 Utilities Amount 75 00 45 00 0 00 0 00 Envelope Total 120 00 Delta 0 00 Save Cancel To edit the post date or envelope amounts double click on the text or amount The Save button will not be enabled unless the envelope totals equal the expense The delta value at the bottom will help you know the difference between the two values Delete a transaction To delete a transaction be sure the correct account transaction is selected From the menu bar select Accounts then Delete Transaction or use the shot cut 6D A warning will popup requesting confirmation you wish to delete the transaction WARNING You cannot undo this action WARNING This will also delete all associated envelope transactions Revision 1 6 Import
11. s You are now ready to start using P39 Financial Below is a screen shot of the main window showing the Accounts and Envelopes on the left side and the register in the middle Clicking on the account or the envelope will display the appropriate account envelope transactions e090 P39 Financial Balance all Accounts 1 500 00 Account 1 ACCOUNTS Date Type Check Payee Deposit Expense Account 1 1 000 00 DEPOSIT OPENING BALANCE 1 000 00 Account 2 500 00 ENVELOPES Entertainment 200 00 Grocery 700 00 Living 300 00 Utility 300 00 Revision 1 5 Transactions Adding a transaction To add a transaction be sure you have the account selected then from the menu bar select Accounts then Add Transaction or use the short cut keys 3 T P39Financial File Reports Budget Window Help 800 Account Manager SA Add Transaction AT 1 Balance all Accounts Edit Transaction m COUNT Delete Transaction D ACCOUNTS Impo rt Data 92 Type Chec Account 1 1 UU0U U0U m DEPOSIT SKAN nn Arrnunt This will open the Add Transaction window Add Transaction Date 1 20 2015 Type DEBIT v Check Payee Amount Memo Envelope 1 20 15 Entertainment 0 0 1 20 15 Groceries 0 0 1 20 15 Living 0 0 1 20 15 Utilities 0 0 0 00 Delta 0 00 Add Transaction Cancel The transaction amount and envelope totals must match before the transaction can be added Double click the envelope am
12. tarted Welcome The assistant page opens the first time you run P39 Financial You must have at least one account and one envelope setup in order to proceed eoo P39 Financial Balance all Accounts 0 00 WELCOME ACCOUNTS Thank you for purchasing P39 Financial we hope you enjoy it P39 Financial is a financial program designed around the envelope method This is an old concept where money is divided and placed in several physical envelope When money is needed to purchase something groceries for example money is taken from the grocery envelope When an envelope is empty you ve reached the limit and no more spending For the method to work electronically both the account balances and envelope balances must match There are several checks and balances designed in to the program to help prevent an error in balances however it can happen An example of this is when you import data the imported data will not be assinged to any envelopes and therefore will result in the balances not matching When balances don t match a visual indication is given You will see the ERROR in the upper menu and an exclamation point will be next to the transaction with the error Just edit the transaction and distribute the money to the appropriate envelopes and the messege will go away To begin you must have at least one account and one envelope You can add additional accounts and envelopes at any time ACCOUNTS Add Account ENVELOPES Add Envelope Acc
13. ts From To Account 1 Account 2 Transfer Date 1 20 2015 Save Cancel Add an Envelope To add a new envelope navigate to the Account Manger and select Add New Envelope Add Envelope Add Envelope Cancel Revision 1 Edit an Envelope To edit an envelope navigate to the Account Manager select an envelope and click Edit Selected Account Edit Envelope Envelope Balance 344 69 Close Account Save Changes Cancel Close an Envelope To close an envelope navigate to the Account Manager select the envelope and click Edit Selected Envelope Then click the Close Envelope button NOTE The Envelope Balance must equal 0 00 to close Transfer funds between Envelopes To transfer funds between envelopes navigate to the Account Manager and click Transfer Funds Transfer Money between Envelopes From To Entertainment Grocery Transfer Date 1 20 2015 m Transfer Amount Save Cancel Revision 1 10 Credit Cards Currently P39 Financial is not directly setup to manage existing debt on a credit card P39 Financial is designed around the concept of spending within your means not building up debt When used properly credit cards can be convenience and safe especially for on line purchases However P39 Financial can be used indirectly with a credit card that has an existing balance see below Add a Credit Card Account To add a credit card account navigate to the Ac
14. your regular bank account to the credit card account Dealing with existing credit card debt Even though not fully support P39 Financial can be used with a Credit Card account with a current balance First you create a Debt envelope Second the transactions must be entered Imported into the Credit Card account Third your credit card payments must be split in to two transactions 1 For current purchases Transfer the correct amount of funds between accounts 2 For existing debt Add a transaction the money should come out of the Debt envelope The total of both of these should equal your credit card payment Example You have a credit card with a balance Several purchases are made this month on the credit card in the amount of 60 00 A payment is made to the credit card for 100 00 1 60 would be a transfer accounting for the latest purchases so you don t incur more debt 2 40 would be added as a transaction and pulled from the debt Envelope This method allows you to properly track current and future expenses and allows you to work on debt elimination Revision 1
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