ÉÍÍÍÍÍÍÍÍÍÍÍÍÍÍÍÍÍÍÍÍÍÍÍÍÍÍÍÍÍÍÍÍÍÍÍÍÍÍÍÍ» º Home Budgets Template For 1-2-3 º º ver 2.91 º ÈÍÍÍÍÍÍÍÍÍÍÍÍÍÍÍÍÍÍÍÍÍÍÍÍÍÍÍÍÍÍÍÍÍÍÍÍÍÍÍͼ ÉÍÍÍÍÍÍÍÍÍÍÍÍÍÍÍÍÍÍÍÍÍÍÍÍÍÍÍÍÍÍÍÍÍÍÍÍÍÍÍÍ» º Sacco Systems º º Anthony J Sacco º º 3224 Beverly Road º º S Plainfield NJ 07080-4904 º ÈÍÍÍÍÍÍÍÍÍÍÍÍÍÍÍÍÍÍÍÍÍÍÍÍÍÍÍÍÍÍÍÍÍÍÍÍÍÍÍͼ Copyright 1991 Anthony J. Sacco  Table of Contents Home Budgets Template Pages: Opening ................................................. 1 - 2 SaveScreen .............................................. 3 FormsData ............................................... 4 - 5 Main Menu ............................................... 6 AccountTitles ........................................... 7 - 10 Printer Setup Codes ..................................... 11 Input Budget Numbers .................................... 12 - 15 Graph Menu .............................................. 16 - 17 Input Actual Numbers .................................... 18 - 21 Print Reports ........................................... 22 - 24 Notes ................................................... 25 Year To Date: Pages: About the Year To Date Worksheet ........................ 26 Y-T-D Menu Choices - Setup .............................. 27 - 28 Y-T-D Menu Choices - Create ............................. 29 - 30 Y-T-D Menu Choices - Save ............................... 31 Y-T-D Menu Choices - Print .............................. 32 Y-T-D Menu Choices - Retrieve & List .................... 33 Registration Information ................................ 34  - 1 - Home Budgets Template For 1-2-3 Copyright 1991 Anthony J. Sacco Sacco Systems 3224 Beverly Road S Plainfield NJ 07080-4904 Home Budgets Template For 1-2-3 is a template to be used with Lotus 1-2-3 (R) Release 2.x. The worksheet is not protected and you are advised to make several backup copies. Before you begin to use Home Budgets Template, please see the "Readme.1st" file for instructions on printing the program manual. Every effort has been made to make Home Budgets Template for 1-2-3 as "Bug" free as possible. If you have any problems with the program, please advise me at the above address and I will make any necessary corrections. Any suggestions on how to improve on the program are welcome. All purchasers are entitled to upgrades for a nominal fee. (Page Down) Disclaimer Sacco Systems makes no representation or warranties with respect to the contents hereof and specifically disclaims any implied warranties of merchantability or fitness for any particular purpose. Home Budgets Template for 1-2-3 is provided "as is" without warranty of any kind, either expressed or implied. Sacco Systems shall have no liability or responsibility to you or any other person or entity with respect to any loss or damage caused by Home Budgets Template for 1-2-3, including but not limited to loss of profits, interruption of service, loss of business or consequential damages resulting from the use of such programs. When starting the use of new software, it is a good practice to test the programs with sample data, and to run the programs in parallel with any previous system for a period of time sufficient to ensure satisfactory results. (Page Down) Lotus 1-2-3 is a registered trademark of the Lotus Development Corporation. *************************************************** Press Return To Begin Program ***************************************************  - 2 - The above screen is the first screen you will see when you file retrieve the Home Budgets Template (BDGT.WK1) program. If you like, retrieve the program as you go thru the instructions. As long as you do not save the program under the original filename, you can experiment as much as you like, and when ready to start using the program, simply retrieve the master again. When you file retrieve Home Budgets Template, you will be under the control of a macro program. A macro program is indicated in 1-2-3 by the "CMD" indicator in the center of the bottom most line on your display screen. While under the macro programs control, you will be prompted for a response by either screen instructions or by a question in the 123 status line at the top left corner of your display screen. Two examples of screen instructions can be seen above; "(Page Down)" and "Press Return to Begin Program". If at any time you should break out of the macro program and wish to return to it, press the "ALT - M" key combination.  - 3 - SAVESCREEN: Please Enter a Filename to Save Your Budgets Under: ------------------------------------------------------ FILENAME ===>>> BDGT1986 --------- Note: Filename Cannot Exceed 8 Characters and Should Not Start With a Number. Example of a Good Filename: Bdgt1986 ------------------------------------ YEAR =======>>> 1991 --------- ======================================================================= The Savescreen is the next screen you will see when you "Press Return to Begin Program". By responding to the on screen instructions and the questions in the status line, you will be giving your budget program a filename to save under so that you do not save your budgets under the master filename. (NOTE: Always save Home Budgets Template by choosing option # 6 of the main menu. Do not use the 123 "Slash, File, Save" (/FS) commands). The master file should only be used to retrieve the Home Budget Template and then be stored away until it is time to start next years budget. Another way to prevent saving on top of the master file is to remove the original Home Budget diskette after you retrieve the master file and replace it with a blank formatted diskette to save your budgets. As soon as you enter your filename, and the year for your budgets, the macro program will carry you to the "FORMSDATA" screen...  - 4 - FORMSDATA: Please Enter a Title for Your Budget Reports: --------------------------------------------- Title ===>>> SMITH FAMILY BUDGET 1991 Used To BUDGET VS ACTUAL } Center JULY 1991 } Heading Only Please Enter Your First Name: ------------------------------------ Your Name ===>>> JOHN Please Enter Your Spouse's First Name: --------------------------------------------- Spouse First Name ===>>> MARY ====================================================================== The Formsdata screen requests information to appear throughout the budget program for both screen appearance and printouts. (If your spouse does not produce an income, it is not necessary to input his/her name). After your spouse's name, you will be prompted by the status line to indicate whether your spouse produces an income. The response is "Y" if they do and "N" if they don't. This is important as the rest of the macro program will perform based on your answer. Next, under your "Title" you will see "Budget vs Actual" appear and under that "July 1991". Your "Title" will also appear on the status line with the cursor under the first letter of the first word of your title. Use the space bar to center your title over the second and third line titles and press return. Don't worry if you don't center it exactly right the first time as the macro will prompt you to try again. Please respond either "Y" or "N" and continue with the program. The screen will change to a message screen and instruct you how to proceed. Below is the screen message that will appear when you are finished centering your title. MESSAGE: The Information You Have Provided Will Be Copied Throughout The Budget Worksheet. This Will Take A Few Seconds. When The Information Has Been Copied, You Will Be Returned To The Main Menu. Please Press Return To Start The Copy Process ---------------------------------------------  - 5 - Your responses will be copied throughout the budget worksheet and then the cursor will put you in edit mode on the line that says "Calendar Year 1991". This is the only date in the worksheet that you will change manually (if needed). When you press enter, the main menu will appear.  - 6 - Home Budgets Template For 1-2-3 Main Menu ====================================================== 1 Set Up Account Titles & Printer Commands 2 Input Budget Amounts for Each Account 3 Input Actuals for the Month 4 Graph Budget Data 5 Print Reports 6 Save File to Disk 7 Retrieve a New File 8 List All Files on Disk ====================================================== This is the main menu for the Home Budgets Template. From it, you will access all sub menus or functions necessary to complete the monthly and annual budget analysis. We will examine each menu option in order and explain its use. If you wish, run the Home Budget program as you read thru the instructions. Lets begin with option number 1) Set Up Account Titles & Printer Commands ... (Press 1 but do not press return)  - 7 - ACCOUNTTITLES: Account Titles & Printer Commands =============================================================== 1 Enter Your Account & Payroll Withholdings Titles 2 Enter Your Printer Set - Up Commands 3 Return To Main Menu =============================================================== Choosing option number 1 from the Main Menu will take you to the above Sub Menu. From this menu you will again choose Option 1 to set up your Income and Expense Account Titles, and Payroll Withholding Titles. The program will carry you to a list of "Standard" accounts which you can either accept, one by one, by pressing return as the cursor highlights an account or change it by typing in a new account title. Input your Income Account Titles in the order you wish them to appear on your reports. Input your Expense Account Titles in any order; the program will sort the Expense Accounts alphabetically before copying the titles throughout the budget program. After you have entered your account titles, another menu will appear asking you if 1) you wish to make corrections to any of the titles or 2) do you want to copy the titles, as entered, throughout the budget program. This screen and a list of the "Standard" account titles appear on the next three pages.  - 8 - ACCOUNTS Enter The Names Of Your Income Accounts & Your Expense Accounts (If The Existing Title Is Correct, Press Return) ACCT. # DESCRIPTION ----------------------------- 100 SALARY & WAGES 110 FEDERAL TAX RETURN 120 INSURANCE REFUNDS 130 PROPERTY TAX RETURN 140 STATE TAX RETURN 150 ALL OTHER ----------------------------- TOTAL INCOME ----------------------------- 200 AMERICAN EXPRESS 210 AUTO EXPENSE 220 AUTO INSURANCE 230 CAR PAYMENT 240 CHURCH CONTRIBUTIONS 250 CLOTHES 260 EQUITY LOAN 270 GARBAGE DISPOSAL 280 GAS & ELECTRIC 290 GIFTS 300 GROCERIES 310 HOME INSURANCE 320 LIFE INSURANCE 330 MASTER CARD 340 MEDICAL 350 MORTGAGE 360 PHARMACY 370 PHONE BILL 380 SCHOOL TUITION 390 SEARS 400 SEWERS 410 SITTER 420 STERNS 430 VISA 440 WATER BILL 450 * 460 * 470 * 480 * 490 * 500 ALL OTHER ======================================================================= These (and the Payroll Withholding Accounts on the next page) are the standard accounts that come with Home Budgets Template. If you wish to use any of these accounts as you set up your account titles, simply press return to accept the title as it is, otherwise, type a new title over it. Don't worry about putting your expense accounts in alphabetical order, the program will do that for you. If you don't need all 30 expense accounts, please put an asterisk (*) as the account title, otherwise the accounts with no titles will "float" to the top of the list when the program sorts.  - 9 - PAYROLL Enter The Names Of Your Payroll Deductions (If The Existing Title Is Correct, Press Return) YOUR SPOUSE PAYROLL WITHHOLDING PAYROLL WITHHOLDING -------------------- -------------------- FIT FIT FICA FICA STATE STATE UI UI UNITED WAY CHILDRENS CHARITY ISSOP ANNUITY SAVINGS UNITED WAY * * ALL OTHER ALL OTHER -------------------- -------------------- ======================================================================= Input the titles for your payroll deductions in the order they appear on your pay stub. This will make it easier when you input your monthly deductions. If you do not need all of the titles or space above, enter an asterisk (*) in place of the title. If you responded "Y" to the prompt "Does Spouse Produce An Income? " on the Formsdata screen, you will be prompted to enter Payroll Withholding Titles for him/her. It is possible and probable that a working spouse would have voluntary withholdings other than your own.  - 10 - MESSAGE1: Please Enter A Number From The Selection Below And Press Return. ============================================= 1 = Make Corrections To Titles 2 = Titles Are Correct - Copy Titles Throughout The Budgets ============================================= ====================================================================== After you have entered your Income and Expense Account Titles, you will see the above screen appear. This gives you the opportunity to make corrections to your account titles before the macro program copies them throughout the budget program. If you pick option 1, the program will run through all your account titles again. If the title is correct, press return to acknowledge it. If it is wrong, simply type in the new title. You must, however, run through all the titles to allow the macro program to return to the above screen. This is simply done by pressing return until the screen appears again. If you pick option 2, you are telling Home Budgets Template that you are satisfied with the titles as they are and to copy them throughout the budget program. NOTE: Corrections to your Account Titles can be made at any time by choosing Option 1 from the main menu and repeating the above procedure. If by chance you should choose an option other than 1 or 2 from the above menu, the error message below will appear and prompt you the press return and try again. ERRORMESSAGE: ====================================================== You Have Entered An Invalid Option ! Press Return And Try Again. ======================================================  - 11 - Choosing option # 2 from the Account Titles & Printer Commands menu will bring you to the following screen: PRINTER: Please Specify Your Printer Set - Up Commands For The Following Print Styles: (Example: Epson Printer Compressed Is \015) Normal \018 Compressed \015 (If You Are Not Sure - Consult Your Printer Manual) ===================================================================== Option 2 of the "Account Titles & Printer Commands" menu prompts you to enter the setup strings your printer needs to print normal draft quality print and compressed draft quality print. These are the only print commands you must supply Home Budgets Template with as all other print commands have been pre-specified. NOTE: the setup strings above are the normal & compressed codes for all Epson & Epson compatible printers. If you have one of these printers, enter these codes at the prompts. DO NOT press enter without retyping the codes as this will enter a blank space. After you have entered your set-up strings, you will be returned to the "Account Titles & Printer Commands" menu. You can run thru Options 1 & 2 again to make changes to the information you have just entered or pick Option # 3 to return to the main menu.  - 12 - Main Menu: Option # 2 - Input Budget Amounts For Each Account When you choose option 2 from the main menu, the screen below appears to remind you to have the data ready before you start to input your budget dollars. It will be much easier and go faster if you have a good idea of what your spending will be like in the coming year. Of course, we can't plan for everything, but by reviewing your expenses for the prior year, you can plan the most routine expenses pretty close. If after starting your budget for the year, you suddenly remember that you have an unusual expense or that some of your expenses are going to increase dramatically, you can revise these accounts at any time. Note: that's not to say that if you routinely overspend, you can always change your budget to meet your spending. The idea of a budget is to set realistic spending goals and try your best to stick to them. Only by doing this can you gain control of your financial situation. BUDGETMESSAGE: You Are Now Going To Set Up Your Expected (Budgeted) Income & Expenses For The Year. To Do This, You Should ------------- Have A Fair Idea Of Your Monthly Takehome Pay And Expenses For The Accounts That You Have Set Up. Don't Forget to Take Annual Raises Into Consideration When Budgeting Your Income. ********************************************* Press Return To Continue ********************************************* ======================================================================  - 13 - MONTH BUDGETED SALARIES ÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄ JOHN MARY TOTAL ÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄ JAN °°°°°°°° $0.00 FEB $0.00 MAR $0.00 APR $0.00 MAY $0.00 JUN $0.00 JUL $0.00 AUG $0.00 SEP $0.00 OCT $0.00 NOV $0.00 DEC $0.00 ÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄ TOTAL $0.00 $0.00 $0.00 ÍÍÍÍÍÍÍÍÍÍÍÍÍÍÍÍÍÍÍÍÍÍÍÍÍÍÍÍÍÍÍÍÍÍÍÍÍÍÍÍÍÍÍÍÍ After you "Press Return To Continue", the Budgeted Salaries screen appears and the cursor moves to the appropriate cell for you to begin entering your salary information (ie. "Take Home Pay"). The macro will control the cursor movement. All you need do is enter the appropriate amount for the month and press return. When you have completed entering your salary information, the cursor will either move up to allow you to enter your spouse info (if you previously entered "Y" to the prompt "Does Spouse Produce An Income?"), or proceed to the next screen.  - 14 - BUDGETED INCOME: ÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄ ACCOUNT TITLES JAN FEB MAR APR MAY ÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄ SALARY & WAGES 0 0 0 0 0 FEDERAL TAX RETURN °°°°°° INSURANCE REFUNDS PROPERTY TAX RETURN STATE TAX RETURN ALL OTHER ÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄ TOTALS $0 $0 $0 $0 $0 ÍÍÍÍÍÍÍÍÍÍÍÍÍÍÍÍÍÍÍÍÍÍÍÍÍÍÍÍÍÍÍÍÍÍÍÍÍÍÍÍÍÍÍÍÍÍÍÍÍÍÍÍÍÍÍÍÍÍÍÍÍÍÍÍ This screen will allow you to budget for the income categories (other than salaries) you specified from the "Account Setup" menu. In the example above, the cursor is positioned next to the Federal Tax Return category for the month of January. You can either enter a number (if you expect to get a tax refund in January), a "zero" or press return to leave that month blank. The cursor will move to each month within the "Federal Tax Return" category and allow you to enter your expectations. When completed, the cursor moves to the next category, "Insurance Refunds" and repeats the process until you have completed all categories.  - 15 - BUDGETED EXPENSES: ÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄ ACCOUNT TITLES JAN FEB MAR APR MAY ÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄ AMERICAN EXPRESS °°°°°° AUTO EXPENSE AUTO INSURANCE CAR PAYMENT CHURCH CONTRIBUTIONS CLOTHES EQUITY LOAN GARBAGE & DISPOSAL GAS & ELECTRIC GIFTS GROCERIES HOME INSURANCE LIFE INSURANCE After you have completed entering your Budgeted (Other) Income, the cursor will move to the above screen and exit the macro's control. This screen allows free form entry of your budgeted expenses, by month, for the expense categories you specified from the "Account Setup" menu. After you have entered all your budgeted expenses, hold the "Alt" key and press the letter "M" to return to the main menu.  - 16 - From the Main Menu, lets skip Option 3 for a moment and choose Option 4, "Graph Budget Data". The following screen will appear: GRAPHMENU: Graph Menu ====================================================== 1 Set Or Reset Graph Titles And Graphname 2 View Graph 3 Return To Main Menu ====================================================== Home Budgets Template allows you to graph your monthly Budget versus Actual Expenses. All of the graph options are preset except for the titles you wish to appear on the graph and the upper most dollar range of your expenses. We will now provide this information by choosing Option 1 from the graph menu. The following screen will appear: GRAPH: The Information Below Must Be Completed To Give You A Finished Graph. Please Respond To The Prompts By Retyping The Information And Pressing Return. FIRST TITLE: SMITH FAMILY BUDGET 1991 SECOND TITLE: FISCAL YEAR 1991 X-AXIS: JAN 91 - DEC 91 Y-AXIS: DOLLARS MAXIMUM MONTHLY EXPENSES IN THOUSANDS: 7000 ======================================================================= Respond to the screen prompts and the status questions to complete the above information. When completed, you will be returned to the Graph Menu. From here, you can choose Option 2 to view the graph or choose Option 3 to return to the main menu.  - 17 - At this point, even though you have entered your budgeted expenses, they will not yet appear on your graph because we have not recalced the worksheet. Home Budgets Template is set up for manual recalc to save time on data entry. Manual recalc means 1-2-3 will not perform any calculations until you press the F9 Calc key. This function is performed by the Home Budgets Template macro at the appropriate time, or you can perform a recalc at any time by breaking out of the macro and pressing F9. To break out of the macro, hold the "CTRL" key and press the "BREAK" key, then press the "ESC" key. Home Budgets Template was originally set up for manual recalc due to the extraordinary long pause between each press of the return key and the automatic recalc of the worksheet upon data entry. With the later release of Lotus 1-2-3 version 2.X, and its minimal recalc abilities, and the advancement of computer processor speeds, it may not be necessary for some users. If you wish to try running Home Budgets Template on your equipment under automatic recalc, break out of the macro as described above and perform the following 1-2-3 keystrokes: /WGRA You can always reset 1-2-3 to the manual recalc method by the following 1-2-3 keystrokes: /WGRM If you have not left the Graph Menu, choose Option 3 to return to the Main menu. If you are viewing your graph, press any key to return to the Graph Menu and choose Option 3 to return to the Main Menu. If you have broken out of the Home Budgets Template macro, press the "Alt - M" key combination to return to the Main Menu.  - 18 - Okay, we are ready to start entering some "Actual" income and expense amounts. Choose Option 3 from the Main Menu, "Input Actuals For The Month". The following screen appears: ACTUALSMESSAGE: You Are Now Going To Input Your Actual Income & Expenses For A Month. Please Make Sure You Have Your Earnings Records (Pay Stubs) And What You Have Spent For The Month. ============================================= Press Return To Continue ============================================= When Prompted, Enter Name Of Month To Input --------------------------------------------- ======================================================================= This screen is just a reminder to have the data you will need to complete the actuals for the month. Note: keeping track of where your money goes on a daily basis can be a tedious task. If I may suggest, one way to make it easier is to deposit your paycheck into your checking account and then your check book becomes your "Source Document" for most of your spending. I say most because you will probably make cash withdrawals for pocket money. In this case, record those expenditures that you feel are worth putting under specific accounts and the balance under the "All Other" account. When you "Press Return to Continue", Home Budgets Template prompts you to "Enter Month to Input". Type the name of the month you wish to enter information for (ie. type "January", "February", etc) and press return. Home Budgets Template is not case sensitive so you can type the month name in upper, lower or proper case. Lets enter January information. Type "January" and press return.  - 19 - The following screen appears for entry of your salary information. The source for this information is your pay stub (or stubs if you are paid more than once a month). The cursor is positioned under January and against the "Regular" earnings category. As you enter a number (or numbers) and press enter, the cursor will move down the screen to the next category. When you have finished entering your salary info, the cursor will either move to a similar screen to enter your spouse's pay stub or directly to the "Actual Income" screen to enter other than salary income. JOHN JAN FEB MAR APR ÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄ REGULAR °°°°°°° OVERTIME OTHER ÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄ GROSS $0.00 $0.00 $0.00 $0.00 FIT FICA STATE UI UNITED WAY ISSOP SAVINGS * ALL OTHER ÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄ NET $0.00 $0.00 $0.00 $0.00 ÍÍÍÍÍÍÍÍÍÍÍÍÍÍÍÍÍÍÍÍÍÍÍÍÍÍÍÍÍÍÍÍÍÍÍÍÍÍÍÍÍÍÍÍÍÍÍÍÍÍÍÍÍÍÍÍÍÍÍÍÍÍÍ MARY JAN FEB MAR APR ÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄ REGULAR OVERTIME OTHER ÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄ GROSS $0.00 $0.00 $0.00 $0.00 FIT FICA STATE UI CHILDRENS CHARITY ANNUITY UNITED WAY * ALL OTHER ÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄ NET $0.00 $0.00 $0.00 $0.00 ÍÍÍÍÍÍÍÍÍÍÍÍÍÍÍÍÍÍÍÍÍÍÍÍÍÍÍÍÍÍÍÍÍÍÍÍÍÍÍÍÍÍÍÍÍÍÍÍÍÍÍÍÍÍÍÍÍÍÍÍÍÍÍ  - 20 - Upon completing the entry of your salary information, the following screen appears: ACTUAL INCOME: ÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄ ACCOUNT TITLES JAN FEB MAR APR MAY ÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄ SALARY & WAGES 0 0 0 0 0 FEDERAL TAX RETURN °°°°°° INSURANCE REFUNDS PROPERTY TAX RETURN STATE TAX RETURN ALL OTHER ÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄ TOTALS $0 $0 $0 $0 $0 ÍÍÍÍÍÍÍÍÍÍÍÍÍÍÍÍÍÍÍÍÍÍÍÍÍÍÍÍÍÍÍÍÍÍÍÍÍÍÍÍÍÍÍÍÍÍÍÍÍÍÍÍÍÍÍÍÍÍÍÍÍÍÍÍ Enter any additional income other than salary you may have received during the month on this screen. The categories are those specified by you in "Accounts Setup".  - 21 - Upon completing the entry of your salary info, the following screen appears: ACTUAL EXPENSES: ÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄ ACCOUNT TITLES JAN FEB MAR APR MAY ÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄ AMERICAN EXPRESS °°°°°°° AUTO EXPENSE AUTO INSURANCE CAR PAYMENT CHURCH CONTRIBUTIONS CLOTHES EQUITY LOAN GARBAGE & DISPOSAL GAS & ELECTRIC GIFTS GROCERIES HOME INSURANCE LIFE INSURANCE . . . The cursor will move down the month column as you enter amounts and press return. 1-2-3 allows you to enter several numbers into a cell for mathematical calculations. Use the following example to enter more than one number into a category. EXAMPLE: you wrote 3 checks during the month at your local grocery store in the amounts of $125, $75, and $250. Under the category "Groceries", you would type the following: 125+75+250 and press enter. 1-2-3 will enter 450 into the Groceries category. Continue entering your actual expenses for the month for all the major categories you defined in the "Accounts Setup" menu. When you get to the "All Other" category, enter all the minor expenditures you had for that month and press return when finished. Home Budgets Template will recalc the worksheet and return you to the Main Menu. Assuming there are no corrections to be made in the info entered, we can now either look at our graph or print reports, or both. Lets look at your graph first. Choose Option 4 from the main menu, and Option 2 from the Graph Menu and your graph will appear. When you are ready, press any key to return to the Graph Menu and choose Option 3 to return to the Main Menu.  - 22 - Now we're ready to print our reports. Option 5 from the main menu will bring you the "Reports Print Menu" below. This menu allows you to print the following: 1) All Source Reports - will print all of the following reports (except # 2) and then some. You may want to use this option to get a better idea of the whole Home Budgets Template or after you have set up your accounts and entered your budgeted dollars. (This option does not print the 12 monthly budget analysis reports as they will be printed on an individual basis from option 2). 2) Current Month Budget Analysis - after you have entered your actuals for a given month, use this option to print the monthly analysis. When prompted to "Type the Name of the Month to Print", respond with the month name (ie. January, FEBRUARY, march, etc.) in any case letters you wish. 3) Payroll Data - your actual income will come from your pay stubs which you input into a payroll report. This report is useful in showing year to date information on your earnings and deductions. 4) Budgeted Expenses - a list of all your expense accounts and the dollars you have budgeted to them for each month of the year. 5) Actual Expenses - a list of all your expense accounts and the dollars you actually spent for each month of the year. 6) Return To Main Menu - will leave the reports print menu and take you back to the main menu. PRINTMENU: Reports Print Menu ====================================================== 1 All Source Reports 2 Current Month Budget Analysis 3 Payroll Data 4 Budgeted Expenses 5 Actual Expenses 6 Return To Main Menu ====================================================== NOTE: all reports should fit on standard 8.5 x 11" paper if you have provided the correct setup codes during the "Account Titles & Printer Setup" procedure.  - 23 - The next page is an example of the Budget vs Actual Analysis. The report shows your actual income and expenses vs your budgeted income and expenses and whether you are favorable (a positive difference) or unfavorable (a negative difference) to your budget. Lets examine some of the differences: (g) is the difference between your actual earnings and expenses for the month. This is a real number. (h) is the difference between your budgeted income and budgeted expenses for the month. This is the yardstick that your actuals are measured against. (i) is the difference between your actual difference (g) and your budgeted difference (h). If this number is positive, then you have performed well against your budget. If this number is negative, then you have not performed well against your budget and you should now review the analysis to determine why you did not perform well. Depending on the size of the difference, you may or may not have anything to concern yourself with. A difference of a couple dollars is not worth the time to try to analyze. However, if the difference is considerable, (depending on what you believe to be considerable) then you must review your earning and expenses and make adjustments to your actual spending where appropriate. It is also possible that in preparing your first budget, you may not have taken everything into consideration. If this is the case, review your budget numbers and make changes where necessary. Another consideration is the unexpected. Occasionally, things do pop up that there is no way for us to foresee. These items will probably throw your actual spending out of whack in relation to your budget. This does not mean that your budget is wrong, only that we cannot be prepared for everything.  - 24 - SMITH FAMILY BUDGET BUDGET VS ACTUAL JANUARY 1991 ACTUAL BUDGET 1991 1991 VARIANCE ACCT. # DESCRIPTION ----------------------------------------------------------------- 0.00 0.00 0.00 100 SALARY & WAGES 0.00 0.00 0.00 110 FEDERAL TAX REFUND 0.00 0.00 0.00 120 STATE TAX REFUND 0.00 0.00 0.00 130 CITY TAX REFUND 0.00 0.00 0.00 140 GIFTS 0.00 0.00 0.00 150 ALL OTHER ----------------------------------------------------------------- (a) 0.00 (b) 0.00 (c) 0.00 TOTAL INCOME ----------------------------------------------------------------- 0.00 0.00 0.00 200 AMERICAN EXPRESS 0.00 0.00 0.00 210 AUTO EXPENSE 0.00 0.00 0.00 220 AUTO INSURANCE 0.00 0.00 0.00 230 CAR PAYMENT 0.00 0.00 0.00 240 CHURCH 0.00 0.00 0.00 250 CLOTHES 0.00 0.00 0.00 260 EQUITY LOAN 0.00 0.00 0.00 270 GARBAGE DISPOSAL 0.00 0.00 0.00 280 GAS & ELECTRIC 0.00 0.00 0.00 290 GIFTS 0.00 0.00 0.00 300 GROCERIES 0.00 0.00 0.00 310 HOME INSURANCE 0.00 0.00 0.00 320 LIFE INSURANCE 0.00 0.00 0.00 330 MASTER CARD 0.00 0.00 0.00 340 MEDICAL 0.00 0.00 0.00 350 MORTGAGE 0.00 0.00 0.00 360 PHARMACY 0.00 0.00 0.00 370 PHONE BILL 0.00 0.00 0.00 380 SCHOOL TUITION 0.00 0.00 0.00 390 SEARS 0.00 0.00 0.00 400 SEWERS 0.00 0.00 0.00 410 SITTER 0.00 0.00 0.00 420 STERNS 0.00 0.00 0.00 430 VISA 0.00 0.00 0.00 440 WATER BILL 0.00 0.00 0.00 450 * 0.00 0.00 0.00 460 * 0.00 0.00 0.00 470 * 0.00 0.00 0.00 480 * 0.00 0.00 0.00 490 * 0.00 0.00 0.00 500 ALL OTHER ----------------------------------------------------------------- (d) 0.00 (e) 0.00 (f) 0.00 TOTAL EXPENSES ----------------------------------------------------------------- (g) 0.00 (h) 0.00 (i) 0.00 NET =================================================================  - 25 - N O T E S Making Corrections to Data - The Home Budgets Template macro does not allow for error correction when entering information in response to the prompts. If you make a mistake in entering data, finish entering the rest of the data and allow the macro to return you to a menu. From there, you can repeat the process, pressing the enter key until the cursor comes to the cell that needs to be corrected. Enter the correct data and press the enter key until you are again returned to a menu. The other option is to break out of the macro, after you are returned to a menu, and manually move the cursor to the cell that needs correcting to enter the data. To do this you must return to 1-2-3's "Ready" mode by holding the "CTRL" key and pressing "BREAK". After that press the "ESC" key and the 1-2-3 upper right hand status indicator should read "Ready". You can now move about the worksheet to make corrections or to just become familiar with it. It is suggested that you do examine the worksheet as this will help you use it more efficiently and prepare better budgets. This will also allow you to become more familiar with a Lotus 1-2-3 spreadsheet by letting you examine the spreadsheet in detail. Saving Your Work - Alway save your work by using Option 6 of the Main Menu. Home Budgets Template will save the file under the name you specified in the "SaveScreen" prompts. DO NOT use the 1-2-3 / File Save commands as you could end up saving your work onto the master spreadsheet. NOTE: the first time you save a new file with Option 6, you must press enter after the file is saved to bring back the Main Menu. Every time after the first save, the Main Menu will return automatically. This manual assumes you understand the basics of using 1-2-3 and are familiar with the terms "cell", "worksheet", "spreadsheet", "recalc", "template", "enter" and "return". If not, please refer to your 1-2-3 reference manuals. Being a one person operation, I regret that I am unable to offer telephone support. However, I will attempt to answer any questions you may have if you drop me a written note. In addition, any suggestions you may have for improving Home Budgets Template For 1-2-3 will be given serious consideration for future upgrades. You are encouraged to freely distribute copies of Home Budgets Template For 1-2-3, however, you may not change or modify the program or manual in any way. IF YOU FIND HOME BUDGETS TEMPLATE FOR 1-2-3 TO BE USEFUL, PLEASE REGISTER YOUR COPY BY RETURNING THE REGISTRATION FORM ON PAGE 34 WITH A CHECK OR MONEY ORDER FOR $35.00. THROUGH THE SHAREWARE CONCEPT AND YOUR SUPPORT, I CAN CONTINUE TO DEVELOP HOME BUDGETS FOR 1-2-3 (AND OTHER GOOD SOFTWARE) TO ITS FULLEST POTENTIAL.  - 26 - About the Year To Date Worksheet The YTD worksheet is used with the Home Budgets Template to produce a YTD Budget vs Actual report identical to the one in the Home Budgets Template. The YTD worksheet will also provide a worksheet that gives you a monthly "average" analysis of your budget vs actual numbers. When you retrieve the YTD worksheet, the Budget vs Actual analysis will appear on the screen and there will be a menu in the 1-2-3 top status line. An example of the opening screen follows: Print Create Save Retrieve List Setup Pick Report to Print YTDBGT Budget vs Actual 19-Feb-91 Actual Budget Y - T - D Y - T - D Variance % ACCT. # DESCRIPTION ÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄ 0.00 0.00 0.00 N/A 100 SALARY & WAGES 0.00 0.00 0.00 N/A 110 FEDERAL TAX RETURN 0.00 0.00 0.00 N/A 120 INSURANCE REFUNDS 0.00 0.00 0.00 N/A 130 PROPERTY TAX RETURN 0.00 0.00 0.00 N/A 140 STATE TAX RETURN 0.00 0.00 0.00 N/A 150 ALL OTHER ÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄ 0.00 0.00 0.00 TOTAL INCOME ÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄ The top status line menu gives you the following menu options: Print - will allow you to print the Y-T-D report, the Average Analysis or Both reports. Create - will prompt you for information to appear on your reports and extract data from the Home Budgets Template. Save - will save your Y-T-D worksheet to a filename that you will provide through the "Setup" menu option. NOTE: always use the Save menu option to save your work. DO NOT use the 1-2-3 / File Save Commands. Retrieve - use to retrieve a file from disk. List - will list all files on your disk. Setup - is used in the beginning of each year to set up the new Y-T-D budget worksheet and provide the worksheet with information necessary to pull data from the Home Budgets Template.  - 27 - Y-T-D Menu Choices - Setup Lets walk through the menu choices in the order they should be performed ... The first time you use the Y-T-D worksheet (and at the beginning of each new year) you must perform a "Setup". Choose the "Setup" option and the following screen appears: Filename to Save YTD Worksheet Under ? Message: The "Setup" menu choice is run at the beginning of the new budget year to create the Year To Date worksheet and provide some information necessary to extract data out of the "Home Budgets Template For 1-2-3". Please respond to the prompt by entering an 8 character filename. A good filename structure to use would be the letters YTDBGT followed by the last two numbers of the current year (ie "91" for 1991). In this example, you would respond YTDBGT91. Please respond in all capital letters. -------------------------------------------------------------------- You are prompted to enter a "Filename to Save YTD Worksheet Under ?". As indicated above, type your filename in capital letters as this filename will appear on your report printouts for reference. The above file structure is recommended, however, you may type any 8 character filename you choose as long as it is a valid DOS filename. After you enter your filename, the following screen appears: Filename of New Years Home Budget ? Message1: The next prompt will ask you for the filename you saved your Home Budgets Template under. This is necessary to extract your current years accounts and copy them into the Y-T-D budget analysis. Later on, this information will be used to extract the data necessary to build your Year To Date Budget vs Actual Analysis. ------------------------------------------------------------------- You are prompted to enter the "Filename of New Years Home Budgets". This is the filename you entered on the "Savescreen" in the Home Budgets Template (see page 3). The Y-T-D worksheet needs this information to extract certain data on a monthly basis to prepare your year to date analysis.  - 28 - As soon as you respond to the above, the worksheet changes and performs several functions very quickly. It will erase the current set of account names and extract the account names you entered in the Home Budgets Template. It will also extract the Title you gave your budget analysis. The program now puts you in edit mode and waits for you to center the title it extracted from the Home Budgets Template. Use the space bar and delete key to center your title over the words "Budget vs Actual" that appears on the screen. When you press enter, the program asks if you wish to center your title again. If you did not center your title to your satisfaction, respond "Y" and try again. When your title is properly centered, respond "N" and press enter. NOTE: a "yardstick" appeared on the screen to assist you in centering your title. When finished, the yardstick will disappear. The program will now extract your printer setup strings from the Home Budgets Template and modify its own program code. In 1-2-3, this is known as a "self modifying macro". When this step is complete, the menu will return and await your next choice.  - 29 - Y-T-D Menu Choices - Create The next menu choice is "Create". This will extract & combine information from the Home Budgets Template to prepare your Y-T-D report using the information you provided in "Setup" as well as information you are about to be prompted for. When you choose "Create", you are asked to enter a month and year. This will appear on your YTD reports and should be entered the way you want it to appear (ie Proper, upper or lower case). As soon as you type the month & year and press return, the yardstick reappears and you are again in edit mode. Use the space bar and delete key to center your date in the same way you centered your Title. The program will prompt you to "Center Date Again ?" to allow you to try again if you did not center the date to your satisfaction. As with the Title, Respond "Y" to try again or "N" to proceed to the next step. If you respond "N" and press enter, the yardstick will disappear. You are now prompted to "Enter range name or address:". The program needs to know the month name of the information to extract from the Home Budgets Template. If you are preparing January's YTD report, respond "january". If you are extracting February's data, respond "february", etc. (do not type the quotation marks) and press enter. The program will read the data in the appropriate month of the Home Budgets Template and add it to the YTD worksheet. NOTE: You must prepare a January YTD report even if you do not wish to print it out. This is necessary to create all subsequent YTD reports.  - 30 - After the program extracts the data, the screen changes to the one below: Input the Month # (Jan=1, Feb=2, Etc.) YTDBGT Budget vs Actual 19-Feb-91 Average Spending Month # 0 Average Budget Actual Average Variance % ACCT. # DESCRIPTION ÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄ ERR ERR ERR ERR 100 SALARY & WAGES ERR ERR ERR ERR 110 FEDERAL TAX RETURN ERR ERR ERR ERR 120 INSURANCE REFUNDS ERR ERR ERR ERR 130 PROPERTY TAX RETURN ERR ERR ERR ERR 140 STATE TAX RETURN ERR ERR ERR ERR 150 ALL OTHER ÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄ ERR ERR ERR TOTAL INCOME ÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄ This report will take the data from the YTD Budget vs Actual and divide each number by the number of month's data to come up with an "Average" amount for each category. This report is helpful in preparing next years budget and will quickly show you where you are overspending on average. As soon as you respond to the prompt, the main menu will reappear.  - 31 - Y-T-D Menu Choices - Save You have finished preparing your YTD reports and should now save your work. Use the "Save" menu option rather than the 1-2-3 / File Save Commands. The filename that you gave your YTD analysis in the "Setup" will be used by the macro program to save your work. PLEASE REMEMBER TO SAVE YOUR WORK AFTER YOU PREPARE EACH MONTHLY YTD REPORT.  - 32 - Y-T-D Menu Choices - Print Use the "Print" option to print out either the Y-T-D Budget vs Actual Analysis, the Average Analysis or both reports. The "Setup" option prepared the worksheet to print out these reports using the setup strings you provided in the Home Budgets Template. The Setup strings were extracted and used to "self modify" the macro program. The reports will print in "normal" size type and will fit on a standard 8.5 x 11" paper.  - 33 - Y-T-D Menu Choices - Retrieve & List The last two menu choices perform utility function in that they need not be performed at all. You may use the 1-2-3 /FR and /FLO menu commands to perform either of these functions, however, it is suggested that you get used to using the YTD menu. REMEMBER NOT TO RETRIEVE ANOTHER WORKSHEET BEFORE YOU HAVE SAVED THE ONE YOU ARE WORKING ON!  Home Budgets Template For 1-2-3 ver 2.91 - 34 - <ù> <ù> <ù> Registration Form <ù> <ù> <ù> Register and get the latest version of Home Budgets Template For 1-2-3, a printed manual, and notification of upgrades. All registered purchasers are entitled to upgrades for a nominal fee. Name: _____________________________ Address: _____________________________ City: _____________________________ State: __________ Zip: ____________ Please provide the following information: Make and Model of your computer system: ________________________ Make and Model of your printer: ________________________ CPU ________________________ (8088, 80286, 80386 or 80486 processor): Floppy Disk Drives: ________________________ (5.25", 3.5", both) Hard Disk Drive: (Y/N) ________________________ Version of 1-2-3 you are running: (2.0, 2.1, 2.2, 3.0 or 3.1) ________________________ Can your monitor display upper ASCII characters ? (Refer to your 1-2-3 manual to determine if your 1-2-3 is set up to display upper ascii characters) _______________ Please enclose Check or Money Order for $35.00 per copy. (NJ residents add 7% State Sales Tax) Number of copies: _______ at $35.00 each Sub-Total: ___________ State Sales Tax (NJ Residents) at 7% Tax: ___________ Total Remitted: Total: ___________ Remit to: Sacco Systems Anthony J. Sacco 3224 Beverly Road S Plainfield NJ 07080-4904  This product is shareware. You may copy the programs and distribute it to friends and co-workers. After evaluating the program, if the user decides to continue using it, he/she is trusted to register the copy. Copyright Acknowledgements: Lotus 1-2-3 is a registered trademark of the Lotus Development Corporation Home Budgets Template For 1-2-3 is a registered trademark of Anthony J. Sacco