The summary page gives the end user a snapshot of your overall monthly financial picture. (Total Income - Total Expenses = Surplus or Shortage)

During the initial setup phase, the end user will input their financial data (income(s), expense(s), and savings). Data will appear once the end user has completed the wizard setup.

The total income submitted by the end user within the setup wizard.

The total expenses submitted by the end user within the setup wizard.

Overage from the total income minus the total expenses (more income than expenses). Surplus shows in green.

Shortage from the total income minus the total expenses (more expense than income). Shortage shows in red.

The total savings submitted by the end user in the setup wizard (i.e. – savings, emergency funds, and/or 3-6 months savings).

The end users are to input their checking current balance as it appears in their personal checking account. *This is to assure that the end user has an accurate financial picture.

This panel is where the end user input all their income.

The end users are to input their checking current balance as it appears in their personal checking account. *This is to assure that the end user has an accurate financial picture.

The name of each company you are currently working for.

The income (money) you are making for each employer (company).

The date of your next paycheck with each employer (company).

This field allows the end users to input their income and the frequency of that income. FREQUENCY Types: Weekly: Once a week (52 paychecks per year) Biweekly: Once every other week (26 paychecks per year) Bimonthly: Twice per month (24 paychecks per year) Monthly: Once a month Once: One time Occurrence (cash gifts (Cash App – Venmo - Zelle), tax refund, etc.)

The date when the user terminates employment with the employer (company).

This will allow the end user to input more income by selecting "Add More Income".

These panels lists all the income the end user submitted in the income wizard.

These panels lists all the income the end user submitted in the Income Wizard.

The name of each company you are currently working for.

The income (money) you are making for each employer (company).

The date of your next paycheck with each employer (company).

This field allows the end users to input their income and the frequency of that income. FREQUENCY Types: Weekly: Once a week (52 paychecks per year) Biweekly: Once every other week (26 paychecks per year) Bimonthly: Twice per month (24 paychecks per year) Monthly: Once a month Once: One time Occurrence (cash gifts (Cash App – Venmo - Zelle), tax refund, etc.)

The end user can add more income to the Income List. By selecting this button, the end user will be sent to the Income Wizard panel which will allow them to input additional income.

The INCOME REGISTER is to help you track your salary as it is deposited into your bank account. Once the income has been received in your bank account, the user will input a check mark in the box.

This panel is where the end user input all their expenses.

The company or person sending you a bill for the services they have provided.

The amount of money owed for the services provided by a company or person.

The date by which the payment for the bill must be made.

This field allows the end users to input the frequency of paying a bill. Frequency (how often a bill is paid): Weekly, Biweekly, Monthly, Annually

This field allows the end user to categorize their expenses. Examples: car, medical, utilities, transportation, food, entertainment, etc.

This will allow the end user to input more expenses by selecting "Add More Expenses".

These panels lists all the expenses the end user submitted in the expense wizard.

Once all the expenses have been entered and saved, the end user can move on to entering the savings data.

These panels lists all the expenses the end user submitted in the Expense Wizard.

The company or person sending you a bill for the services they have provided.

The amount of money owed for the services provided by a company or person.

The date by which the payment for the bill must be made.

This field allows the end users to input the frequency of paying a bill. Frequency (how often a bill is paid): Weekly, Biweekly, Monthly, Annually

The end user can add more expenses to the Expense List. By selecting this button, the end user will be sent to the Expense Wizard panel which will allow them to input additional expenses.

The Expense REGISTER is to help you track your bills as they are paid. Once the bill has been withdrawn from your bank account, the user will input a check mark in the box.

This panel will allow the end users to input their current savings, the amount as well as the bank name. Savings Types: Savings, 3-6 months, Emergency

The amount of money sets aside for future use. Types of Savings: the end user can setup different types of saving. Examples: Savings/vacation Savings/new car Savings/new home Savings/Christmas ***Saving for emergencies and/or 3-6 living expense has it own category in the drop down list.

The amount of money needed to meet your basic living needs for the next 3 to 6 months. *i.e. - basic living needs: housing, food, utilities, gas, etc.

What are EMERGENCY FUNDS? the money to respond to financial emergencies. *i.e. – car repair, home repair, etc.

This will allow the end user to input more savings by selecting "Add More Savings".

These panels lists all the savings the end user submitted in the savings wizard.

The end user has entered and saved all their financial data. Once "Setup Complete", the end user is now is the daily function of the app.

The end user can switch between two views, daily and monthly. Using the input submitted from the end user, the daily view will subtract expenses on date of given expense and calculate new checking balance. Payday count down until next payday, data used in the income wizard to determine when next payday is Surplus/shortage determine by income and expense. This will update as end user add unexpected income or expenses on any given day. The monthly view uses a monthly calendar and allows the using to see the entire calendar of any given month. End user can click on any date to see current project bills, income or surplus/shortage

The end user will see their overall financial picture for any given month. The pie chart will help the user visually see how they are spending. The different colors on the pie chart represent the different categories the end user selected during the Expense Wizard Setup.

The end user can add more income to the Income List. By selecting this button, the end user will be sent to the Income Wizard panel which will allow them to input additional income.

You should always use the Due Date of any bill. Why? Due dates may change, but the date a bill clears your financial institution can vary month to month. A bill can clear/post to your bank anywhere from the due date up to 5 days. The 30-day rule still applies for phone bills, but not cable or credit cards. Each has its own set of rules. State regulations apply to phone bills and cable bills, but credit cards are subject to federal law. https://www.bostonglobe.com/business/2013/07/13/due-dates-you-still-get-days-pay-bill/Y1KlHy6QrC2HkIyKgmKGuK/story.html The rules for credit cards are laid out in the federal CARD Act, which took effect in 2010. The law says consumers must be sent a credit card bill at least 21 days before it is due. Payments should be due on the same day each month. When a due date falls on a weekend or holiday, it is extended to the next business day.

If a frequency is selected along with no End Date, the Income and/or Expense will continue to repeat based on the frequency selected.

Yes, but you will have to select N/A for frequency for Income and/Expense. The app was designed to help you track when repeated Income and Expense(s) are paid/due respectively.

Job 1 will have an End Date, DO NOT restart or change the End Date of Job 1. You should start a new entry, you can use the same Job title, but for tracking purpose, it is best to give it a new name. Title could be Job1(After lay-off). Or rename the Job1 to Job1(laid off) and when the lay-off is over Job1 create a new Job1 entry.

Yes, create an entry and have the Expense repeat based on the Frequency needed. When you select that entry on any given date, update the amount and then select “This occurrence” This will allow the one entry you need updating without impacting past and future entries.

This is up to the user. The repeating future allows you to use the Calendar Daily view to see your balance and anticipated expenses on any given day. Without the repeating entries, the app cannot predict your Checking Balance on any given day accurately.

Select the date where someone paid for your water bill, enter $0.00 and select for Just this Occurrence only. Or Delete that occurrence. Click Delete and select This Occurrence.