Checkbook Ease 
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     Checkbook Ease User Manual

           

       

 

 

Checkbook 

 

Introduction    

 

Checkbook Ease  is designed to help you manage your bank accounts and future expenses. Create a budget and then place money into each budget category for future expenses. As money is assigned to a budget category,  the remaining balance in each category is displayed. Checkbook Ease automatically budgets for future credit cards payments. When credit cards are used for a purchase,  money is transferred from the budget category to the credit card category  for the future credit card payment.

Checkbook Ease Features

Account Features

  •  Checkbook Ease manages  Checking, Savings, Money Market and Credit Cards.

  • The number of accounts is virtually unlimited.

  • Transfer money between bank accounts with a one entry.

  • Make a credit card payment from a bank account with a one entry.

  • Checkbook Ease  displays all open transactions for easy balancing.

  • Calculates a starting balance insure the  register is accurate.

  • Search transactions by, type, date, amount, budget category or payee.

  • Retrieve a bank statement to help find a particular transaction.

  • Find expenses charged to a budget category.

  • Archive closed accounts for viewing at any time

  •  Using a Budget is not necessary to manage your Bank Accounts

Budget Features

  • Monies are set aside or placed money into each budget category each month

  • Monthly budget and balance seen while entering transactions.

  • Money is automatically transferred to the credit card category for charges

  • One click to see yearly summary and charts

Getting Started    

 

          Checkbook Ease has sample bank accounts and budget. The samples budget files are based on the set up example below.  The quickest way to learn Checkbook Ease is to: 

 Read the set up example below:

 Watch the Video Tour at  http://www.checkbookease.com/

 Use the sample files to practice using Checkbook Ease

 Use the help files and tips of the day for further information

 

                                                 Setup Example 

 

           There are four basic steps to setting up Checkbook Ease:

 

                Step 1.   Define your Goals

Step 2.   Enter your bank accounts and credit cards into Checkbook Ease                      

Step 3.   Enter your monthly budget to achieve goals into Checkbook Ease                      

Step 4.  Transfer money into Budget Categories

 

Step 1.     Define your Goals.     (Top )

              We will use a fictitious family, John and Martha Denton who have two children, a son Adam, age 14 and a 9 year old daughter Jessica. John works as a technician for Hi-Tech Partners a technical company and earns $27 per hour. His company provides a good health plan for the family and also life insurance for John.

              Martha works part time as a medical insurance specialist for Cedar Medical Center earning $12 per hour. She has just increased her hours from about 10 hours a week to roughly 30 hours a week.  Prior to her increase in hours, the family had incurred $9000 in credit card debt due to unexpected repairs they needed for their house. The  interest on the $9,000- is costing them $4,213 per year.  Martha accepted the increased hours so that the additional income (about $835 per month) could be used to pay off the credit cards and start saving money for the children's education.

                   Goals:          

             1.   Allocate $835 per month to pay off credit card debt first.....then after the debt is paid..

             2.   Save $335 per month for children's education.

 

Step 2.  Set up your bank accounts and credit cards     (Top)

                          

 Bank accounts and balances

Account

 

Type

Last bank statement

First Federal

 

Checking

$4,500

State Bank

 

Checking

$1,000

One Financial

 

Money Market

$4,000

American National

 

Savings

$12,000

   

Total Bank Accounts

$21,500

Credit Cards

Interest Rate    

Visa

17%

Credit Card

($1,500)

Master Card

19%

Credit Card

($1,800)

Amex

21%

Credit Card

($2,500)

Discover

12%

Credit Card

($1,700)

Capital One

8%

Credit Card

($1,500)

 

 

Total Credit Card Debt

($9,000)

 

 

Net Balance

$12,500

 

Step 3.  Set up monthly budget to achieve goals     (Top )

                                                                        The budget should add up your total monthly income (take home pay).    

Monthly Budget to Achieve Goals
 * See detailed construction of the Budget

  Category

Sub-Category

Sub-Category Monthly Amount

Monthly Amount

 

Credit Card Payments

 

Total for All Cards

$835

 

 

 

 

 

 

 

 

Fixed Expenses*

Mortgage

$1,100

 

 

Property Tax

$150

 

 

Home Insurance

$100

 

 

Car Insurance

$100

 

 

 

Total

$1,450

 

 

 

 

Utilities*

Electric

$75

 

 

Heating

$125

 

 

Telephone

$40

 

 

Water

$30

 

 

Internet

$50

 

 

Cable

$50

 

 

Total

$370

$370

 

 

 

 

Car Expenses

Repairs

$50

 

 

Gasoline

$210

 

 

Licenses 

$20

 

 

Total

$280

$280

 

 

 

 

 Household

Food

 

$1,305

 

Gifts

 

$50

 

Clothes

 

$150

 

Home Repairs

 

$50

 

Entertainment

 

$125

 

Total

 

$1680

Vacation

 

 

$100

Medical

 

 

$50

Miscellaneous

 

 

$200

 

 

Total Budget

$4,965

 

    The budget of $4,965 per month equals the total income of the family; therefore all their income has been budgeted.                               

Total Monthly Income

John

$3,420

Marge

$1210

Total Income

$4,965

                       

Detailed construction of the budget  

   

Credit Card Payment   (Top )

           The Checkbook Ease Credit Card debt reduction planner was run. A plan using the minimum payments would take almost 11 years to pay the debt and incur $4,141 in interest charges.  

 

Minimum Payment Plan

Credit Card

 Rate Balance Minimum Payment Debt Paid Off
Months
Interest Paid
American Express 21% $2,500 $99.39 132 $1,779
Master Card 19% $1,800 $71.33 111 $1.060
Visa 17% $1,500 $59.24 99 $732
Discover 12% $1,700 $66.59 91 $516
Capital One 8% $1,500 $58.37 80 $272
    $9,000 $354.69   $4,359

 

         Checkbook Ease credit card planner was then used with a  fixed payment of  $835 and the option  to pay off the higher interest rate card first. This plan yielded a total interest of $696, a savings of  $3,663 in interest, and the debt being paid off in 1 year instead of 11 years!

        

Note: Actual interest rates were not used. This example is to demonstrate the
       effect of fixed payments and paying the highest interest rate cards first.

 

 

Fixed Expenses

         The fixed expenses category contains the fixed payments the Denton’s must make. The mortgage payment is monthly but the real estate taxes and home insurance are yearly and the car insurance is paid every 6 months. One of the major features of Checkbook Ease  is its budgeting section. Money is set aside each month into each budget category and Checkbook Ease displays the current balance (money yet to spend) for each budget category.  Checkbook Ease allows the Denton’s to set aside a monthly amount for their real estate taxes, home insurance and car insurance. This feature levels the Denton’s monthly expenses and insures the money has been set aside to pay these bills when they come due.

Item

Yearly Monthly
Real Estate $1800 $150
House Insurance $1200 $100
Car Insurance $1200 $100

 Utilities

         The Denton’s looked at last years electric and heating bills and determined the average monthly amount for their budget. The telephone, water, internet and cable bills where about the same each month. Setting money aside will help them meet the higher heating bills in winter. 

Monthly Bills

Jan

Feb

Mar

Apr

May

June

July

Aug

Sept

Oct

Nov

Dec

Average

Electric

57

55

65

53

60

75

105

125

100

75

70

60

75

Heating

220

210

190

125

90

55

45

40

75

100

150

200

125

  

Step 4.  Transfer money into Budget      (Top )

After you have entered the budget into Checkbook Ease, the next step is to transfer or set aside money into each budget category. Money that has not been budgeted is called disposable cash. Before you budget any money, all the money in your bank accounts is considered disposable cash. You budget money by transferring money from disposable cash to a budget category by selecting the Transfer to a Budget Category. This money shows up in the balance column of the budget category. As you enter transactions and assign a budget category, the balance (the money left to spend) is either reduced or increased depending upon whether the transaction is a charge or a credit.

 If you get paid once a month, near the end of the month, you would usually set up the upcoming months’ budget after your paycheck has been deposited into your checking account. You do not have to transfer money into one category at a time. Checkbook Ease has, on the Transfer Money form, the option called Monthly Transfer – This will transfer one month of budget expenses from disposable cash to your budget balances.

 Another alternative is to use the budget split feature. As an example, you can allocate your paycheck into several budget categories. Thus your budget will be updated as you you get paid.  You can use the schedule transaction feature to automatically enter your paycheck and put money into the budget when the transaction is entered.

 

Additional Money Transfers

In addition to the monthly transfer,  we need to set aside the first 5 months of budget for the following Fixed Expenses:

 

Real Estate Taxes ... $150 per month for 5 months

House Insurance ...   $100 per month 5 months

Car Insurance ...         $100 per month 5 months

Total per month          $350 per month 

Total for 5 months      $1,750

We will transfer $1,750 from disposable cash to fixed expenses. This finishes the setup.

  

 Checkbook Buttons

(Top )

Button

Action

Options Shows the following buttons:
About User Registration and Copyright.
Backup/Restore Create a backup file with a .cbe  extension. All the data files in Checkbookease are stored in a data folder. Using the Backup/Restore you can make a copy of this folder on a writeable drive, i.e., hard drive, floppy drive, CD or USB flash drive.
Calculator Shows the calculator
Organizer Shows the following buttons:
Calendar Shows monthly calendar
Day Planner Shows the Day Planner
Note Pad Shows Note Pad
Task List Shows Task List
Debt Planner  

 Credit Card Debt Planner

 

               The Checkbook Ease Credit Card Debt Reduction Planner is integrated with your credit cards and budget. The credit card debt reduction planner allows you to create a debt reduction plan taking into account credit card minimum payment requirements and then modify your  budget based on your plan. When you start the Credit Card planner, credit cards that  have a debt will be loaded. Change the minimum percent of the outstanding balance that must be paid and annual interest rates for your credit cards. The default is 4% for minimum payment and 21% for interest. Checkbook Ease assumes the current balance was in the account at the beginning of the month and calculates a full month of interest.  After you have developed a plan, you can click the Save Plan button. This will update your Budget Balance and Monthly amount for each credit card and your plan will be saved. The budgeted amount for each credit card will be used if the amount is greater then the minimum amount. If it is less Checkbook Ease will set the payment to the minimum amount.

Hint

Run the Credit Card Reduction planner frequently during the month to keep your budget up to date.

 

 Option: Pay the highest interest rate card first (Un-Checked)

(Each credit card will be paid using the payment type selected)

  

Enter data for each credit card Next Payment and Future payments

1.   Next payment can be changed but not below the minimum payment.

2.   Select payment type for payments after the next payment.

3.   For a fixed payment, select fixed and enter the amount.

      Checkbookease will not allow you to enter an amount  below the

      minimum payment. 

4.   Click Calculate.

5.   Click Payment Schedule to view monthly data.

   Option: Pay the highest interest rate card first (Checked)

 

1.  The entered  fixed payment (next payment and future payment amounts) will be used . 

2.   Minimum payments will be assigned to the lower interest rate cards.

3.  The remaining monies will go to the pay the highest interest rate credit card.

4   Click Calculate.

5.  Click Payment Schedule to view monthly data.

 

 

Definitions

            

            Cur Bal:                     Credit card outstanding balance. 

            Next Payment:         Currently budgeted for the next payment 

            End Bal:                     Ending Balance after next payment less one month
                                           of interest

 

The following information  controls the payments that will be made to pay down the remaining debt after the next payment has been made. (the debt listed under End Bal)

 

            Payment Type:       Minimum or Fixed  

                                                Minimum payment is usually 4% of outstanding balance.

                                                The payment declines as the balance declines. 

                                                Fixed payment - payment is fixed and does not decline

                                                with a declining balance.

           

            Min (%):                    Enter the minimum payment % for each of your credit
                                          cards (typically 4%)

 

            Payment:                  If  Payment Type Minimum is selected:

                                                Each  payment will be the minimum  % of the outstanding

                                                balance.

                                                If Payment Type Fixed is selected:

                                                Each  payment will be fixed . The payment cannot be less
                                          than the minimum payment .

 

            Int. (%)                       Enter the annual interest rate (APY) for each credit card.

 

            Tot Interest               The total interest paid.  

 

  

 

Import Files

Import transactions into Checkbook Ease downloaded from the internet

                Transactions can be downloaded from Banks and financial institutions including credit card companies that support the Open Financial Exchange  format (files that have the file extension ( .ofx ) This format was developed by Microsoft , Intuit (Quicken) and others and is used by the Microsoft Money program and the Checkbookease program. 

Procedure for downloading files:

                1. Login to your bank site
                2. Select the file you want to download
                3. Select Microsoft money  or .ofx file type 
                4. Download the file and save in a folder. 

Importing into Checkbook Ease: 

                1. Select the Bank account you want  transactions to be                   added to.
                2. Click Get File and locate the folder and the file you want to download.
                3. Click Open.                               

Transaction Checking 

1. Checkbook Ease checks each downloaded transaction so  that you cannot download the same transaction twice.
    
2. Checkbook Ease checks downloaded check numbers so that you do not enter duplicate checks.
       
3. Checkbook Ease will list the duplicate check numbers found. 

Notice

    Checkbook Ease cannot check if a downloaded
 transaction has already been manually entered.

 

Download Transaction Form 

                The transaction form is designed so that you can quickly add the missing information to each downloaded transaction prior to them being inserted into the registry. Transactions downloaded from the internet do not contain budget information and checks do not have the payee designated and, in some instances, check numbers are missing when the bank makes the payment electronically although a check has been written.

 

1.  Click in any  yellow box to modify the entry.
2.  Checkbookease searches all prior transactions on the registry for the  last time the payee name was used and assigns the last  budget  category used for that payee.  

Handling Dates

             Checkbook Ease offers you a number of ways of handling dates. There are three dates that are associated with a transaction: 

                1.  the date the transaction was written.
                2.  the date it was cleared or posted by the bank and
                3.  the statement date (the date of the statement which contains the cleared  transaction)
              

 

Option 1  Mark all transactions as un-cleared      (Recommended)

                Mark all transactions and clear the transactions once a month using your  bank statement and using the balance account feature in Checkbookease. The monthly statement can be viewed, then be viewed at any time using the Search feature and searching for the statement date.

Option 2  

Mark all the transactions as cleared using the posted date. 

            This option will mark each transaction as cleared on the date posted. In this alternate, you will no longer be able to balance your account using a statement since the transactions have been cleared.   Also, any transactions entered manually will need to be cleared individually. This option is most useful when all transactions are downloaded and none are entered manually. 

Option 3 

Mark all the transactions as cleared using a statement date. This option is useful if none of the transactions on a statement have been entered and the file is a complete monthly statement.

 

(Top )

My Accounts Shows your accounts or sample accounts
My Planners

Retirement and Savings Planner

 

      The Retirement and Savings planner is designed to give reasonable estimates of savings requirements to provide  a desired retirement income. Enter the information and click the calculate button. Save the plan when finished.

 

Tax Treatment

Tax Rate before Retirement (%)

          Taxes on the interest income in the retirement account are paid from the retirement account if the Tax rate is greater than zero.

 

After retirement tax rate

         Either enter a tax rate or have Checkbook Ease estimates your taxes. Checkbook Ease will calculate the taxes for each year or retirement based on the filing status selected. Checkbook Ease assumes that all retirement income is taxable and uses the 2007 Tax Tables, standard deduction and no dependents and calculates the tax rate after adjusting the income for inflation.  

 

College Planner

 

The College Planner calculates the yearly savings requirement to pay for future college costs. Either select average costs from the drop down list which include all expenses (tuition and fees, books and supplies, room and board, etc.) or enter your specific costs.

 

Home Purchase and Mortgage Planner

 

The Home purchase and Mortgage Planner can be used to calculate an affordable house based on your current financial status using  two ratios that most lenders use to determine your ability to repay a loan.

 

 Debt-to-Income  Ratio
               DTI = Ratio of your total debt to income ratio (typically .28}

    Principal, interest, taxes and insurance ratio
                 PITI = housing expenses to income ratio (typically .36 -.40)

     Income = Gross Income (before taxes)

To use the Mortgage planner, enter the mortgage rate and loan amount and click the calculate mortgage only button.

 

Password Checkbook Ease has password protection. You can enter a password, change the password or remove password protection at any time.

 

Preferences Sets preferences

 

Tip of the Day Shows Help the tip of the day

 

Transfer Files Import files from Money or Quicken
 
Checkbook Ease can read QIF formatted bank account files. Money, Quicken and others can export bank account information in the QIF format. 


Exporting Files from Money or Quicken 

1. Save all the transactions in each account in Money or Quicken individually and save the file with the extension .QIF (QIF Format). Select a strict QIF if the program offers you this option.
    
2. Name the file (usually the bank name), select a folder and save the file.  


Importing Bank files into Checkbook Ease 

1. Select the Bank type.
2. Click the Get File button.
3. Select the folder and file and then click Open.
4. All the imported transactions and budget categories are displayed.


 Budget Categories 

1. All budget categories used by the imported transactions are listed under Categories in the Transferred file. Some of these
    categories may be income categories (i.e. Income,)
2. All the categories you have previously set up in Checkbook Ease are listed under Checkbook Ease expense categories.
     Checkbook Ease does not use income categories.
3. By checking the boxes in the Transferred file list you can add categories to the Checkbook Ease category list. Please select only expense categories. Removing the checkmark will remove the category from the list.
 
4. When completed, click the button labeled "Enter Bank into Checkbook Ease".

 

(Top )

User Manual Shows this Manual

 

 

Colors

 

Sets the background color
 

Accounts

 

Shows the following buttons:
Add, Rename or Delete 
 

Add an Account

Existing Account

An existing account is one that you currently have and are setting it up for the first time in Checkbook Ease. Enter your ending balance from your last bank statement as the starting balance. Checkbook Ease will mark this first transaction as cleared. Then enter any uncleared transactions from the past and any transactions you made since the closing date of the bank statement using the Transaction entry form.

New Account

A new account is one you just opened. The starting balance is your first transaction (the amount you deposited to open the account). Checkbook Ease will mark this transaction as un- cleared and it will appear on your first bank statement. 

Rename an Account   (Top)

1.      Click the Accounts button, select, Add/Rename/Delete.

2.      Select Rename

3.      Modify or type the new name.

When you rename an account, Checkbook Ease will find all your prior transactions when you used the old name. No transactions will be lost.

 

Delete an Account     (Top)

1.      Click the Accounts button, select,  Add/Rename/Delete.

2.      Select Delete

When an account is deleted, all the transactions are also deleted and there is no further access to the account. Consider archiving an account. This will allow you to view the transactions at a later date.

 

Archive

Archiving will remove a bank account from the active list of Bank Accounts. Especially useful if you have closed an account but still want to be able to see the transactions at some later date. Once an account is archived, transactions can not be added or changed (only viewed). After the account is archived, selecting show archive and selecting the account will show all the transactions that have been archived. You can use this feature to remove closed bank accounts and still keep the records.

 

      To Archive an Account:

1.      Click Accounts button: Select Archive.

2.      Select Archive an account.

3.      Select an Account.

4.      Click Archive. 

                        To View an Archived Account:

1.      Click Show an Account.

2.      Select an Account and the transactions will be shown.

(Top )

Balance Account
 

1.      Click the Accounts button, select, Balance Account

 

2.      Complete the form.

a)      Enter Statement Date

b)      Enter Starting Balance

c)      Enter Ending Balance

 

3.      Check off cleared items from your bank statement.

4.      You can add transactions at any time while you are balancing an account. These  will be displayed on the added transactions list.

5.      You can change any transaction while you are balancing an account. Left-Click on the transaction you want to change.

6.      You got the following Warning: 

Your Account does not agree with your Bank 

                 

Checkbook Ease calculates the expected starting balance by adding up all the cleared items in the register. If the calculated starting balance differs from the starting balance you entered you get the above warning.

 

Why is this done? 

This is done to make sure your check register is in accord with that of your Bank. If this were not done, it is possible to balance a Bank statement and still have an error in your register.

 

      An example of this is the following:

1.   You made an error in check #231: you entered $22.00 instead of $21.00 Check# 231 is on your June bank statement.

2.   Your register is in error by $1.00

3.   You forget to balance your account in June.

4.   You now start to balance your July statement using the Bank Statement starting balance. You never know there is an error in your register and the July statement will balance!! 

 

What has gone wrong?

         Here are some of the possibilities:

1.   Your bank may have made an error.

2.   You may have inadvertently un-cleared a cleared transaction.

3.   You may have inadvertently changed an amount in a cleared transaction.

4.   You may have skipped entering a Bank Statement.         

                                   

 What to do? 

 You can select Use Bank Statement:

                                The error will not be corrected as in the example above.

                                   

 You can select Correct Register:

Checkbook Ease will enter a transaction (as shown below) into the register (thus correcting the register) to make the Checkbook Ease starting balance equal to the Bank Statement. You will not see this transaction until you complete your bank statement but the calculated starting balance will be changed to match the entered starting balance. Now, finish balancing the statement. 

 

When you have completed balancing the statement, start looking for the error.

 

1.      Go back and check your prior statements to see if they are still balanced. The search option in    Checkbook Ease will retrieve prior bank statements to help you locate the transaction that is in error.  

2.      When you find the discrepancy and correct it, you can alter the Auto Correction transaction that was entered automatically when you selected Correct Register.

 

Enter Transaction
 

1.      Click the Accounts button , select, Enter Transaction. The Bank Accounts window and Transaction Form will be shown (see below) then click on the Bank account you want to enter a transaction into.

 

2.      Complete the Transaction Form

Bank Accounts Window    

    

 Checkbook Ease bank accounts are checking, savings,  money market and credit cards. The Bank Accounts window shows you the current totals of all your accounts as seen below. Clicking on the Bank account name makes it the active bank account.

As you enter transactions the Bank Accounts, the window is updated immediately with the new totals and the transaction is displayed in the transactions window.  Credit Cards are handled just like your bank accounts

  Transaction Type    (Top)

            Selecting the Transaction Type automatically determines if the transaction is a deposit or withdrawal. If the transaction type you need is not on the list, use deposit or credit as money into and withdrawal or charge as money out of the account.

 

Check Numbering

          Check Number Options:          

          Next check #  -  automatically selects the next number.

          Enter check #  - resets the numbering system to new number."

 

           Example:

a.       Start with #100, enter checks 100,101,102,103,104 with next check #.

b.      Enter check #96, enter checks 96,97,98,99 with the next check

c.       When Check #100 is reached, Duplicate number appears

d.      Select ""Enter check #"" and reset to #105, picking up where you left off.

 

Entering a Date

Use the drop down arrow to bring up the calendar – clicking on the date will enter the date or enter date in the format mm/dd/yy  

 

Entering the Payee

You can make a list of payees that you use frequently by using ADD or REMOVE to add or remove a payee from the list. Note: There is a separate list for each Bank Account since you generally use charge cards for certain purchases and checks for payments.

 

Entering the Amount 

You can either enter the amount of the transaction using the keyboard or the calculator. You do not need to enter a minus sign for withdrawals or charges. The selection of Transaction Type automatically takes care of the sign.

 

Budget Category       

As you create your budget categories, they are automatically added to the drop down list. If you are not using the budget feature, select “none” which is pre-selected. If you are using the budget feature, selecting “none” will reduce the amount of disposable cash. Selecting a category will reduce the balance in the category by the amount of the transaction (see managing your budget).

 

Credit Card Payment

This feature is for both Budget users and non-budget users. When you make a payment from your checking account or money market account to a credit card company that you have included as a credit card in Checkbook Ease, the payment will automatically be added to the credit card register. You do not have to enter the transaction twice. 

In addition, for those using the budget feature, the money that has been set aside (budgeted) for credit card payments will be reduced by the amount of the transaction.

(See managing your budget)

(Top )

Entry Order The order in which entered transactions are viewed is set by the Entry order box. Each bank account can have a different entry order and can be set by date, as entered and viewed at top or bottom of the registry.

 

Print Click the Accounts Button, select Print .You can print your Bank Accounts, Budget or transactions. Checkbook Ease will print to your default printer. To print transactions, select the Bank Account and enter either the number of the last transactions or the date to print. For example, entering 10 will print the last 10 transactions. Checkbook ease will print 30 transactions per page. It will tell you the number of pages before it prints them. 

 

Search You can search a Bank Account or all Bank Accounts, by Transaction Type, by from date, by To Date, by Payee, by From Amount, by To Amount, by Memo, by Budget Category or look for credit card payments.  To recall any Bank statement, enter the Statement Date.  Search for any part of a phrase, e.g., Birthday gifts by entering gifts. By searching a budget category for a month, you can easily find all your expenditures charged to that category.  To change a transaction, just click on it in the Transactions Found register.

 

Schedule Bills The Schedule bills form allows you to schedule transactions to either remind you of the upcoming transactions or to have the transactions entered automatically.

 

Summary The summary button will show a yearly summary of  the end of the month balance. Use the right mouse click on any account to display a chart showing the amounts.

 

Transfer Money Under Transfer from Account – select bank account or Right click in Bank accounts the account you want to transfer money from and the Transfer money form will be displayed with the account selected.
 
Upcoming Bills The upcoming bills button will display the list of upcoming transactions that have been set by the schedule.
 

Budget

 

Shows the following Buttons:
Add or Change

Budget categories are entered or changed. 

1. The budget can be weekly, bi-monthly or monthly. All the labels will be reflect the selection, weekly, bi-monthly or monthly.

2.  There is a maximum of 15 sub-categories per budget category.

3.  A category can be removed or renamed at any time. Any money budgeted will be transferred to disposable cash. Transactions charged to a category that was renamed or removed will not be changed.

4.  If you do not have any sub-categories you can enter the amount directly in the monthly total.

5.  The new category or changes will be displayed in the Budget window after it is entered using the Enter button.

6.  The initial balance (money budgeted to be spent) is zero for a new budget category. Money is placed into a budget categories’ balance when money is transferred using the Transfer Money option under the Budget Button.
                                                                                        (see Transfer Money below)

7.  The budget can be changed at any time, categories added, removed, and amounts changed. Categories can be set up
     temporarily e.g. to set aside money for a particular purchase or event, and then removed when the task is complete.

 

Summary The summary button will show a yearly summary amounts charged each month to a budget category. Use the right mouse click on a budget category to display a chart showing the amounts.

 

Transfer Money The Transfer Money Option is where money is transferred to a Budget category’s balance.
 
1. Selecting Monthly Transfer will transfer the monthly budget from disposable cash (money not budgeted) into the balance (money budgeted to be spent) for each budget category. For illustration, we will use a monthly budget but the actual budget period can be selected as weekly, bi-monthly or monthly.

2. Selecting Transfer to a Budget Category will transfer money from one budget category’s balance or disposable cash to another category’s balance.

3. As transactions are entered and assigned a budget category, the balances in the category are reduced. The Category Balance is the amount of money remaining to be spent. In the example below, $15 is being added to the Utilities balance to compensate for the higher then expected water bill. If this continues, the monthly budget for utilities will need to be increased by $15.

4. Money can be transferred from one category to another to better reflect actual expenditures during the month.

5. Any transfers in budget money do not change the actual balances in the Bank Accounts.

6. When the transfer button is hit, the Budget Window will be updated with the changes.
 
7. The transfer will be recorded in the Budget Transfer Window as seen below.

8. Budget Transfers can be changed by left-clicking on the transfer in the Budget Transfer Window.

 
Other View, Find, Category, Memo and Notes

 
View Button The View Button sets the beginning date from which transactions will be viewed . 

1. Setting the date to the first of the year will show the current year.
2. For large files, reducing the number of transactions viewed will make it easier to scroll through the transactions and improve performance.
3. All searches for bank statements and search are done on the complete file.
4. To view all the transactions, enter All into the date box (pressing any letter on the keyboard will automatically enter All into the date box)
Find Quick search for a transaction.
Category Show/Hide category in registry
Memo Show/Hide Memo in registry.
Notes Click the Notes button to use the Checkbookease Notepad

 

Other Checkbook Functions   (Top )

 

 

      Changing a Transaction

 

                   To change a transaction, click on the transaction in the List of entered                                                                      

                   transactions, make your changes and hit enter. 

                          

 

 

   Deleting a Transaction

        1.     Select transaction by placing the cursor over the transaction.
        2.     Click the left mouse button while holding down the Alt button (Alt left-click).
        3.     A confirmation box will ask you to confirm the delete.

        New Transaction 

 

1.      You can use any existing transaction as a template for a new transaction.

2.      Click on an existing transaction.

3.      Make your changes such as check number, or amount then

4.      Click the NEW button and a new transaction will be entered. 

 

 Deleting Budget Transfers 

 

1.  The Budget Transfers window records the transfer you make between budget categories. The record is useful to verify that the transfer is correct. Over time, this list becomes less valuable. You can delete items from this list. Deleting the items does not undo or change the original transfer, it just removes the item from the list of transfers.


2.  To delete one transfer: left-click on the row then, while holding the Shift key down, click the right mouse button (Shift-Right-Click) to bring up the dialog box. (as shown below)


3.  To delete more the one transfer: You can delete one or more items from the list by depressing the left-mouse button on the starting row and while holding the button down move the mouse up or down, highlighting the selected rows. (as shown below) then while holding the Shift key down –click the right mouse button (Shift-Right-Click) to bring up the dialog box. (as shown below)
  

  
          Copying to the Clipboard   (Top) 

1.      You can copy the Bank Accounts, the budget and transactions to the clipboard for a copy and paste operation by placing the curser in the Bank Accounts or Budget table and, while holding the shift key done, depress the right mouse button (Shift–right-click). All the Bank Accounts or the total Budget are copied. A confirmation dialog box will be shown.

2.       For transactions, you can select the transactions you want by depressing the left-mouse button on the starting row and, while holding the button down, move the mouse up or down, highlighting the selected rows. (as shown below) then while holding the Shift key down – click the right mouse button (Shift-Right-Click) to bring up the dialog box (as shown below). A confirmation dialog box will be shown (as seen below). You will have the option to copy the selected transactions or all the transactions to the clipboard.

 

 

 

 

 

 

       Day Planner 

 

Introduction  

 

      The Day Planner consists of an appointment calendar, a notepad editor and a picture viewer.  To view an appointment,  pass the mouse over the date. Dates that have appointments, holidays or are special dates will have a white font. To enter an appointment, click on the date and type in the appointment box. Double clicking in the appointment box will bring up the appointment editor. Clicking the Hours button will add times to the appointment. You can change, add or delete an appointment at any time.

 

 Day Planner Buttons

(Top )

Button

Action

Options Shows the following buttons:
About User Registration and Copyright.
Backup/Restore Create a backup file with a .cbe  extension. All the data files in Checkbookease are stored in a data folder. Using the Backup/Restore, you can make a copy of this folder on a writeable drive, hard drive, floppy drive, CD or USB flash drive.
Calculator Shows the calculator
Day Planner Shows the Day Planner
Password Checkbook Ease has password protection. You can enter a password, change the password or remove password protection at any time.
Picture List Create a Picture List. Enter a name for the list.
Select a folder containing the pictures and use the add/remove buttons to create the list.
When My picture list is selected, the appointment calendar will start with a randomly selected picture from the list.
When you close the Picture List, the list of pictures created are saved automatically.
The picture viewer can be used to view pictures from any selected folder.
To see the pictures full screen - click the Full Screen Button.
Preferences Sets preferences
Tip of the Day Shows Help tips of the day
User Manual Shows this manual
Colors Select background.
Calendars Shows the following buttons:
Monthly The monthly calendar button will show the all the appointments in the current month. You can expand the view to three weeks and two weeks. In these modes, you can also enter or change appointments, set the fonts or change the month or year. In addition , clicking the print button will allow you to print the calendar in the selected mode, monthly (single page), three weeks (2 pages) or two weeks (3 pages)
 
Yearly View the monthly calendar.
Click on a date to see the appointment in the appointment box.
Special Dates Add special dates to be displayed when the mouse hovers over the date.
Accounts Returns to Accounts.
Memo Pad/Pictures View Memo Pad or Picture Viewer
The pictures start by randomly showing one of 16 pictures contained in the program. To create a personal set of pictures - click the Picture List Button.
 
Search Search all appointments for a word or phrase.