Dec 092017
 
Home Cashflow Wizard. Program to help organize and prioritize your bills. Spreadsheet-style organization. Shareware.

Full Description of File


HOME*CASHFLOW*WIZARD Ver. 1.0
Get control of your bills
regardless of your finances.
Fast, accurate, easy-to-use.
This stand-alone, spreadsheet-
style software gives you the
the power to organize, track
prioritize, age and schedule
all of your bills, with minimum
time and effort. Replaces
pencil & paper, as well as
complicated accounting and
checkbook programs. Best of
all, it offers unlimited
"WHAT-IF" capabilities, to pay
your bills in the best manner
possible, regardless of your
financial situation. Many
preprogrammed macros, tools
and commands make it fast,
accurate and easy.


File $WIZ10S.ZIP from The Programmer’s Corner in
Category Financial and Statistics
Home Cashflow Wizard. Program to help organize and prioritize your bills. Spreadsheet-style organization. Shareware.
File Name File Size Zip Size Zip Type
FILE_ID.DIZ 610 389 deflated
SAMPLE.WKB 13815 3084 deflated
WIZ.COM 7562 2646 deflated
WIZ10S.DIZ 2062 1089 deflated
WIZ10S.DOC 35138 10885 deflated
WIZ10S.EXE 318484 197381 deflated
WIZ10S.HLP 22830 20264 deflated
WIZ10S.WKB 13348 2557 deflated

Download File $WIZ10S.ZIP Here

Contents of the WIZ10S.DOC file











H O M E * C A S H F L O W * W I Z A R D

The Household Bill-Management System

Shareware Version 1.0















USERS' MANUAL



















Designed and Developed by

KADAAN SOFTWARE

P.O. Box 50533

Irvine, California 92619-0533 USA




Copyright (c) 1993 KADAAN SOFTWARE.
All rights reserved worldwide.
Printed in the United States of America.


HOME * CASHFLOW * WIZARD
and the WIZ logo are trademarks
of KADAAN SOFTWARE.


All other trademarks and registered trademarks
referenced within this document are the property
of their respective owners.


This manual was developed using WordPerfect 5.1.




























KADAAN SOFTWARE
P.O. Box 50533
Irvine, California 92715 USA

March 1993 Release




TABLE OF CONTENTS

COPYRIGHT NOTICE . . . . . . . . . . . . . . . . . . . . . Page 4
DISCLAIMER . . . . . . . . . . . . . . . . . . . . . . . . . . 4
LICENSE AGREEMENT. . . . . . . . . . . . . . . . . . . . . . . 5
PURCHASING . . . . . . . . . . . . . . . . . . . . . . . . . . 6
INTRODUCTION . . . . . . . . . . . . . . . . . . . . . . . . . 7
FILES. . . . . . . . . . . . . . . . . . . . . . . . . . . . . 8
GETTING STARTED. . . . . . . . . . . . . . . . . . . . . . . . 9
>> Launching The Program . . . . . . . . . . . . . . . . . . . 9
>> Help. . . . . . . . . . . . . . . . . . . . . . . . . . . . 9
>> Menus . . . . . . . . . . . . . . . . . . . . . . . . . . . 9
>> System & Quit . . . . . . . . . . . . . . . . . . . . . . . 9
MOVING AROUND. . . . . . . . . . . . . . . . . . . . . . . . . 10
>> Arrow Keys, Etc . . . . . . . . . . . . . . . . . . . . . . 10
>> Function Key F5 -- New Data . . . . . . . . . . . . . . . . 10
>> Function Key F6 -- Top . . . . . . . . . . . . . . . . . . 10
>> Function Key F7 -- Bottom . . . . . . . . . . . . . . . . . 10
>> Function Key F8 -- Toggle Remainder Window. . . . . . . . . 11
>> Escape Key. . . . . . . . . . . . . . . . . . . . . . . . . 11
SETTING UP THE WORKSHEET . . . . . . . . . . . . . . . . . . . 12
>> Payment Date & Interval . . . . . . . . . . . . . . . . . . 12
>> Checking Balance. . . . . . . . . . . . . . . . . . . . . . 12
>> Other Initial Values. . . . . . . . . . . . . . . . . . . . 13
>> One Time Changes. . . . . . . . . . . . . . . . . . . . . . 13
>> Zero Values . . . . . . . . . . . . . . . . . . . . . . . . 14
ENTERING BILLS . . . . . . . . . . . . . . . . . . . . . . . . 15
>> Due Date. . . . . . . . . . . . . . . . . . . . . . . . . . 15
>> Priorities. . . . . . . . . . . . . . . . . . . . . . . . . 15
>> Description . . . . . . . . . . . . . . . . . . . . . . . . 15
>> Amount. . . . . . . . . . . . . . . . . . . . . . . . . . . 16
>> Notes . . . . . . . . . . . . . . . . . . . . . . . . . . . 16
>> Editing . . . . . . . . . . . . . . . . . . . . . . . . . . 16
>> Moving. . . . . . . . . . . . . . . . . . . . . . . . . . . 16
>> Copying . . . . . . . . . . . . . . . . . . . . . . . . . . 17
>> Erasing . . . . . . . . . . . . . . . . . . . . . . . . . . 17
>> Merging . . . . . . . . . . . . . . . . . . . . . . . . . . 17
PLANNING PAYMENTS. . . . . . . . . . . . . . . . . . . . . . . 18
>> Indicators. . . . . . . . . . . . . . . . . . . . . . . . . 18
>> Sorting . . . . . . . . . . . . . . . . . . . . . . . . . . 18
>> Totals & Remainder. . . . . . . . . . . . . . . . . . . . . 18
>> Entering Payments . . . . . . . . . . . . . . . . . . . . . 19
>> Tips & Techniques . . . . . . . . . . . . . . . . . . . . . 19
MANAGING DATA. . . . . . . . . . . . . . . . . . . . . . . . . 20
>> Updating. . . . . . . . . . . . . . . . . . . . . . . . . . 20
>> Saving Files. . . . . . . . . . . . . . . . . . . . . . . . 20
>> Retrieving Files. . . . . . . . . . . . . . . . . . . . . . 21
>> Printing. . . . . . . . . . . . . . . . . . . . . . . . . . 21
INVOICE. . . . . . . . . . . . . . . . . . . . . . . . . . . . 22

HOME * CASHFLOW * WIZARD Page 4



COPYRIGHT NOTICE

This software and documentation are copyrighted by KADAAN
SOFTWARE. Except as described herein, neither may be, in whole
or in part, reproduced, photocopied, transmitted, transcribed,
stored on a retrieval system, or translated into any language or
computer language, in any form or by any means, without prior
written consent of KADAAN SOFTWARE. Altering, modifying or
adapting this software or documentation, including, but not
limited to, translating, decompiling, disassembling, or creating
derivative works is strictly prohibited.





DISCLAIMER

KADAAN SOFTWARE makes no warranties or representations, either
expressed of implied, with respect to this software or
documentation, including their quality, performance,
merchantability, or fitness for a particular purpose. In no
event will KADAAN SOFTWARE be liable for direct, indirect,
special, incidental or consequential damages arising out of the
use or inability to use this software or documentation.

HOME * CASHFLOW * WIZARD Page 5



LICENSE AGREEMENT

You are licensed to use this software on a trial basis for a
period of 30 days. If, after the trial period, you wish to
continue to use this program, you must purchase a license from
KADAAN SOFTWARE. (See PURCHASING for details.)

You are also granted a limited license to copy this program only
for the trial use of others, subject to the agreement above and
the following:

* Program must be copied in unmodified form with all files
listed in "FILES" below. The archive, if any, must be named
$WIZ10S.nnn (where nnn=ZIP or another appropriate extension).

* No fee, charge or other compensation may be accepted or
requested without express written consent of the owner.

* Program may not be distributed in conjunction with any other
product or service without a specific license to do so.

Electronic Bulletin Board operators (Sysops) may post this
version of the program for downloading by their users without
written consent only when the above conditions are met. A fee
may be charged for access to the BBS as long as no specific fee
is charged for access to these files. Sysops may re-archive
program files; however, only the files described in "FILES" below
may be placed in the archive, and the archive must be named
$WIZ10S.nnn (where nnn=ZIP or another appropriate extension).

Disk vendors and others that market shareware for profit MUST
obtain written consent and master disks from KADAAN SOFTWARE.
Permission is usually given; please write for details.

You are not allowed to modify this software or documentation for
any reason.

HOME * CASHFLOW * WIZARD Page 6



PURCHASING

HOME * CASHFLOW * WIZARD is distributed under the shareware
marketing concept. This concept allows you to evaluate a program
on a trial basis to determine is it meets your needs. Then, if
you find the program useful and wish to continue using it, you
are required to pay a license or registration fee to the author.

If you received HOME * CASHFLOW * WIZARD through a distribution
service and paid a small amount (usually $3 to $6), this does not
constitute payment to the author. You only have paid for the
distribution service (i.e., diskette, duplicating, shipping and
handling) but not for the programs on the disk.

The HOME * CASHFLOW * WIZARD license and registration fee is
$19.95 plus $5.00 shipping and handling. The WIZ10S.DOC file
contains an invoice that you may print and use to make your
payment. Or simply type WIZ I and [Enter] at the DOS prompt.

With registration you will receive:

* The latest version of HOME * CASHFLOW * WIZARD (without
shareware notices and the annoying auto-bill-macro);

* A nicely printed Users Manual;

* A minimum of six months FREE telephone support service; and

* Advance notification of program updates and new products

The shareware marketing concept is dependent upon honest people
like YOU. If you use a shareware program and do not register
with the author after the evaluation period, you diminish the
viability of this marketing method. If you enjoy and appreciate
the ability to try software before you buy it, please register
EVERY shareware program you use.

Registration of shareware products ensures the continuing
availability of high-quality, low-cost software, to people like
yourself.
Thank you in advance for your interest and support.

HOME * CASHFLOW * WIZARD Page 7



INTRODUCTION

HOME * CASHFLOW * WIZARD is a stand-alone, spreadsheet-style

program that has been designed to help you Organize, Track,

Prioritized, Age and Schedule Payment of your household bills.



Features include:

* Easy data entry

* Online help system

* Nine different payment-priority levels

* Sorting by date/priority/amount/name

* Your choice of payment interval and start date

* Provision for regular cash outlays (such as allowances)

* Automatic aging and selectable age date

* Adjustable checking balance and takehome pay

* Simple handling of partial payments

* Push-button updating to delete paid bills

* Multiple worksheet capability

* Easy file-saving and worksheet printing



Best of all, HOME * CASHFLOW * WIZARD offers unlimited "WHAT-IF"

capability so you can juggle payments from paycheck to paycheck.

HOME * CASHFLOW * WIZARD Page 8



FILES

The shareware version of HOME * CASHFLOW * WIZARD is comprised of
the following files which MUST be included in any authorized
copies:


WIZ .COM Launch Program

WIZ10S .EXE Main Program

WIZ10S .HLP Help System File

WIZ10S .WKB Primary Worksheet File

SAMPLE .WKB Sample Worksheet File

WIZ10S .DOC Printable Documentation

WIZ10S .DIZ Program Description

FILE_ID .DIZ BBS Description


The archive file, if any, must be named $WIZ10S.nnn (where
nnn = ZIP or another appropriate extension).

For hard drive installation ...

Change to the default drive and root directory: cd\ [Enter]
Make a directory called WIZARD: md wizard [Enter]
Change to the WIZARD directory: cd wizard [Enter]
Copy files from diskette to hard drive: copy a:\*.*

For maximum convenience, add the WIZARD directory to your
Path Statement.





HOME * CASHFLOW * WIZARD Page 9



GETTING STARTED

>> Launching The Program

To start HOME * CASHFLOW * WIZARD, change to the directory where
the Wizard files are stored. Then type either ...

WIZ SAMPLE (to load the sample worksheet), or

WIZ WIZ10S (to load the main worksheet)

... and hit Enter to launch the program. When the title screen
appears read it; then press any key to continue.

After becoming more familiar with the program, you will be able
to start the program just by typing WIZ at the DOS prompt, and
then using the various commands accessed by Function Key F3, to
load, save and clear your choice of worksheets.


>> Help

Pressing Function Key F1 displays the Main Help Menu. Read the
information provided. Then use the arrow keys to select a
related topic or to return to the Main Help Menu. Press Escape
to exit from the Help System at any time.



>> Menus

Pressing Function Key F3 or F4 displays a pull-down menu. The
slash key (/) accesses the same menu as F3. Use the four Arrow
Keys to select (highlight) the desired command and press Enter.
Alternatively, you can press the key for the first Capital letter
of the command. In some cases, the command will immediately
execute. In other cases, you'll need to select a secondary
command (same way as above) or provide input. Just follow the
prompts.

>> System & Quit

To shell to DOS use Function Key F3 SYSTEM. To return to the
program type EXIT and press Enter at the DOS prompt.

To exit, use F3 QUIT YES. Make sure you have saved your work.

HOME * CASHFLOW * WIZARD Page 10



MOVING AROUND

>> Arrow Keys, Etc:

There are four arrow keys: Left, Right, Up and Down. These keys
move the cellpointer around the worksheet, menus, and help
screens. Use single keystrokes to move one cell at a time. Or
hold down the key to move in the chosen direction.

PAGE UP and PAGE DOWN move the cellpointer one full screen each
time they are pressed. These keys can also be held down to
repeat their action quickly.

The HOME key moves the cellpointer to the upper left corner of
the worksheet.

END plus any arrow key moves the cellpointer to the first
junction of a blank and non-blank cell, in the chosen direction.


>> Function Key F5 --New Data

The F5 key moves the cellpointer to the area of the worksheet
where new bills are entered. This area should be all or mostly
blank. If it is not, the worksheet is getting full and it may be
necessary to delete older bills (which hopefully you have already
paid) before entering new ones by using the F4 UPDATE command.

The capacity of a single worksheet is 71 bills (and 12 Payment
Dates).


>> Function Key F6 -- Top

The F6 Key moves the cellpointer to the top (beginning) of the
current list of bills. After pressing F6, use the Down Arrow to
review the list. Or use the Up Arrow to see how much space
remains for entering additional new bills.

HOME * CASHFLOW * WIZARD Page 11






>> Function Key F7 -- Bottom

The F7 Key moves the cellpointer to the bottom of the worksheet.
This is the data analysis area. In this area the Run Date, Age
Date, Checkbook Balance, and other initial values are displayed
(and can be changed as required).

The bottom of the worksheet also shows Totals and the amount of
money that would remain in your checking account after scheduled
bills are paid in each payment period. It also shows the
[MIN]imum remainder for all periods.

Use the Arrow Keys to move right across the bottom of the
worksheet to display future payment periods.



>> Function Key 8 -- Toggle Remainder Window

The F8 Key, when first pressed, OPENS a window at the bottom of
the screen. Pressing it again CLOSES the window.

The REMAINDER row of the worksheet is displayed in this window.
With the window opened, you can see how much money is left for
each Payment Period as you schedule various bills to be paid.
The window is synchronized with the rest of the worksheet as you
move from left to right, and stationery as you move up and down.

This is very helpful in juggling payments from period to period.


>> Escape Key

Use the Escape Key whenever you change your mind about what you
are doing. In most cases, it "cancels" the current activity.
Press the Escape Key (repeatedly if necessary) to "back out" of
menus and to exit the Help System.

HOME * CASHFLOW * WIZARD Page 12



SETTING UP THE WORKSHEET

Before you start to enter your bills into the worksheet, there
are certain initial data that must be entered first. This data
will appear in Bright White.


>> Payment Date & Interval

Payment Dates are displayed across the top of the worksheet in
the header. The Interval between the Payment Dates is uniform.
These are the dates that you plan to pay bills. For most people,
Payment Dates correspond to their payday.

The program automatically generates 12 Payment Dates (and accepts
71 bills per worksheet).

You cannot get to these dates with the Arrow Keys. Instead, to
set (or change) Payment Dates and the Interval, press Function
Key F4 to display the Tools Menu. Then either select FIRST with
the arrow Keys and press Enter, or simply press the "F" key.

In the dialogue box, type your first Payment Date in the form
mm/dd (e.g., 02/04) and press Enter. Then type the Interval you
want to establish between Payment Dates in days (for example,
type 7 if you get paid every week) and press Enter. The
worksheet is automatically updated to display this information.

If you are paid twice a month, try entering either 14.5, 15 or
15.5 days as the interval, depending on whether the next few
months have 30 or 31 days. If you get paid monthly, enter 29.5,
30 or 30.5 days. Every time you update the worksheet to remove
paid bills, you'll have an opportunity to reset the Payment date
to make subsequent dates correct.


>> Checking Balance

To set your checking balance for the first time, press F4 and
select Checkbook. When prompted, type in your current checking
balance in dollars and cents (without a $ sign) and hit Enter.
The worksheet automatically recalculates beginning and ending
checking balance for each Payment Date. You can adjust your
checking balance in this manner at any time. As an alternative,
press Function Key F7 to move to the bottom of the worksheet.
Then use the Arrow Keys to move to the cell to the right of
CHECKING BALANCE under the heading INITIAL, and enter your
balance.

Each time you update the worksheet to remove paid bills, you are
given an opportunity to adjust your checking balance. Type the
correct balance in dollars and cents (without a $ sign) and press
enter. The worksheet automatically adjusts all balances.

HOME * CASHFLOW * WIZARD Page 13






>> Other Initial Values

TAKEHOME PAY, ADDITIONAL INCOME and ALLOWANCES are all handled in
a manner similar to your initial CHECKING BALANCE.

To set (or reset) them all, press Function Key F4, use the Arrow
Keys to select RESET, and then press Enter. Or just press F4 and
the "R" key. Type the appropriate dollars and cents (without a $
sign) in the dialogue boxes as prompted and press Enter. Again
the worksheet automatically recalculates everything.

To set them individually, move the cellpointer to the appropriate
cell under INITIAL and enter the amount. The worksheet
recalculates automatically.


>> One Time Changes

It is also possible to change a single value under a specific
Payment Date for TAKEHOME PAY, ADDITIONAL INCOME and ALLOWANCES.
You might want to do this to account for one-time variations such
as a bonus, tax refund, special cash outlay, etc.

To do so, simply move the cellpointer to the desired cell
location, type dollars and cents, and press Enter. The new value
will Flash and totals will automatically recalculate. Flashing
anywhere on the worksheet means that a formula has been "over-
written," with the new value being used instead of the calculated
value of the formula.

To restore the underlying formula value, use the "Range
DeOverwrite" command (F3 RANGE DE-OVR). Use Arrow Keys to
highlight the cell or range of cells to return to formula values.
Then press Enter. To "unlock" the cellpointer, press the Escape
Key. To lock it in place at the corner of a range, press the
Period Key.

It is NECESSARY to restore the underlying formula values in the
current Payment Date column BEFORE updating the worksheet to
remove unpaid bills, as over-writes WILL carry forward to their
relative position on the updated worksheet.

HOME * CASHFLOW * WIZARD Page 14






>> Zero Values

Because of the way that zero-values are handled on the worksheet,
zero-values for CHECKING BALANCE, TAKEHOME PAY, ADDITIONAL INCOME
and ALLOWANCES may sometimes appear as a blank cell instead of
0.00. To correct this situation (when using F4 RESET or setting
values individually under the INITIAL column) enter 0.00001
instead of 0.00. This small decimal amount will NOT effect any
of the calculations, but it will force the worksheet to display
0.00 dollars and cents.

HOME * CASHFLOW * WIZARD Page 15



ENTERING BILLS

Before starting to enter new bills, it helps to do a little
organizing.

First, determine the current amount of each bill including any
new interest or late charges. Any past due amounts should be
entered as separate bills with their own due date.

Second, decide on the priority for each bill, with 1 being the
most important, and 9 being the least important. It is not
necessary to use all 9 priorities. You may want to start with 3,
5 and 7; then fill in other priorities as appropriate.

Next, make sure you know the real Due Date of each bill.

And, finally, press F5 to move the cellpointer to the data entry
area of the worksheet.

(Remember, your entered date will appear in Bright White and
over-written formulae will Flash, anywhere on the worksheet.)


>> Due Date

Typically, the Due Date is the first item of information entered
for each bill. Place the cellpointer in the Due Date column.
Type the date in the form of mm/dd/yy (e.g., 02/09/93) and press
Enter. (The year "disappears" from the worksheet when the
Priority is entered.)

Accurate entry of the Due Date is important for two reasons. It
is used to sort bills and it is also used to "age" bills. (All
of this is explained under PLANNING PAYMENTS.)


>> Priorities

To enter the Priority, simply place the cellpointer in the
Priority column, type a number from 1 to 9, and press Enter.
Priorities may be changed at any time in this manner.


>> Description

Enter a meaningful description for each bill. Just type the
letters and/or numbers; then press Enter. If the description is
too long for the column width, it will be truncated when you
enter data in the next column. The description may be changed at
any time in the same manner.

HOME * CASHFLOW * WIZARD Page 16







>> Amount

For each bill, enter the current amount due in dollars and cents
(with no $ sign); then press Enter. As soon as you enter the
Amount, the worksheet automatically calculates Balance, DOD,
* (asterisk), and Totals. Amounts may be changed at any time.


>> Notes

This column can be used for any other helpful information. Just
type it and press Enter. Change it anytime in the same manner.
Some examples are:

* Total amount due on installment accounts

* Last payment made -- amount and date

* Promised payment -- amount and date

* Reason for withholding or delaying payment, etc.


>> Editing

To modify any of this input data, simply place the cellpointer on
the appropriate cell and retype the information. Or you can edit
by using Function Key F2. Place the cellpointer on the
appropriate cell, press F2, then use the Arrow Keys to place the
cursor under the letter or number you want to change. Use Delete
to remove it and then type in the new letter or number. With the
F2 Key you can also add or subtract from the Amount (for example,
10.00 + 1.00 is displayed and valued as 11.00). Enter ends edit.


>> Moving
It is easy to move data from place to place on the worksheet.
The original data "disappears" and reappears at the new location.

Press F3 MOVE; then use the Arrow Keys to highlight the cell or
cells to be moved. To "unlock" the cellpointer, press the Escape
Key. To lock it in place at the corner of a range, press the
Period Key. After pressing Enter (to define the range), move the
cellpointer to the upper left-hand corner of the location where
the material is to be moved, and press Enter again.

HOME * CASHFLOW * WIZARD Page 17







>> Copying

It also is easy to duplicate input data in a cell or range of
cells at another location in the worksheet. The original data
remains intact.

Press F3 COPY; then use the Arrow Keys to highlight the cell or
cells to be copied. To "unlock" the cellpointer, press the
Escape Key. To lock it in place at the corner of a range, press
the Period Key. After pressing Enter (to define the range), move
the cellpointer to the upper left-hand corner of the location
where the material is to be copied and press Enter again.

>> Erasing

To erase input data from a cell or a rectangular group of cells
on the worksheet, use F3 RANGE ERASE. As above, highlight the
cell or range of cells to erase; then press Enter. The data is
gone.


>> Merging

After entering new data, use one of the Sorting Tools (described
below) to merge the new data with the old.

HOME * CASHFLOW * WIZARD Page 18



PLANNING PAYMENTS


HOME * CASHFLOW * WIZARD includes a variety of useful tools to
help you to analyze your bills and schedule their payment. You
can quickly and easily look at an unlimited number of "WHAT-IF"
scenarios to determine your best course of action. Learning to
use these tools will enable you to pay your bills in the best
manner possible, regardless of your financial situation.


>> Indicators

The column headed DOD (which stands for Days OverDue) tells how
many days a bill is overdue (positive number) or the number of
days remaining until a bill is due (negative number). This value
is calculated using the Due Date you have entered for the bill
and either Age Date or (if it is blank) the Run Date.

The Run Date is provided by your computer's date function. Make
sure that it is set correctly. (For information, see your DOS
manual.) The Age Date is set using F4 AGE-DATE. For accurate
aging, the Age Date should be set in the same form as the Due
Date (i.e., mm/dd/yy). To make the Age Date blank, strike the
"spacebar" and Enter.

The column headed with a asterisk (*) is another important
indicator (especially if you are a little behind in your
payments). An asterisk in this column means the bill is more
that 30 days PAST the Due Date (typically 60 days old).


>> Sorting

To sort your bills by Priority (and by Date within a given
Priority), just press F4 P-SORT.

To sort your bills by Date (and by Priority for a given Date),
press F4 D-SORT.

To sort your bills by Amount (Value) press F4 V-SORT.

And, finally, to sort alphabetically by Description (Name)
press F4 N-SORT.


>> Totals & Remainder

There is a TOTAL at the bottom of the AMOUNT, BALANCE and all of
the PAYMENT DATE columns. The REMAINDER row shows you how much
you will have left in your checking account after scheduled bills
are paid. Keep an eye on these values as you enter payments in
the various Payment Date columns. Also use the F8 Key to toggle
the Remainder Window.

HOME * CASHFLOW * WIZARD Page 19







>> Entering Payments


Now you are ready to start scheduling payment of your bills. To
enter a planned payment, move the cellpointer to the right, along
the row of the bill to be paid, until it reaches the column
headed with the date you plan to pay it. Type the amount of the
payment (with no $ sign) and press Enter. BALANCE, TOTAL and
REMAINDER values all recalculate instantly and automatically.
The DOD column remains unchanged.

If necessary, it is okay to enter partial payments. The BALANCE
column will show how much is left to pay. When you update the
worksheet to delete paid bills, the partial payment will be
deleted but not the remaining balance.

Use F3 MOVE to move a single cell or a range of cells from one
Payment Date column to another. Use F3 COPY similarly.

Use F3 RANGE ERASE to clear a single cell or range of cells.


>> Some Helpful Tips and Techniques


If you're not having any trouble keeping up with your bills, just
use DATE-SORT, PRINT the worksheet, and pay your bills in order
as they come due.

If you're struggling a little, use PRIORITY-SORT and take care of
the most important bills first, then work on the less-important
ones.

When your Checking Balance gets low, sort your bills by amount
(VALUE-SORT) and pick off some of the small ones to get them out
of the way.
If you're in big trouble, watch the * (asterisk) column for the
bills
that are way overdue.

Also, remember to adjust the Age Date as you move out to future
Payment Dates. Doing so will give you a more realistic idea of
how old your bills will be when you get around to paying them.

HOME * CASHFLOW * WIZARD Page 20



MANAGING DATA

>> Updating

After paying the bills listed in the current Payment Date column,
it is good practice to Update the worksheet by using F4 UPDATE.
This makes room for the entry of new bills. (You can first save
a copy of the worksheet file for reference. See "Saving Files,"
below.) This command deletes all rows containing bills that are
scheduled for payment in the first Payment Date column. Bills
that are scheduled for partial payment are retained on the
worksheet with their remaining balance. After Updating you are
prompted to enter a new First Payment Date, and Checking Balance.


>> Saving Files

The quickest and easiest way to save the current worksheet file
is to simply press Function Key F9. Doing so saves the current
worksheet file (with any changes you have made) to disk.

To save the current worksheet with either the current or a new
filename, use F3 FILE SAVE. Then proceed by doing any of the
following:

* Press Enter to accept the path and file name shown; or

* Press Escape once; then use the Arrow Keys to highlight the
desired filename and press Enter to accept; or

* Press Escape twice; then enter a new filename; or

* Press Escape three times; then enter a new path and file name.

By using F3 FILE SAVE and a series of meaningful filenames (for
example, BLLS0209.WKB for BILLS paid 02/09) you can keep a record
of what you paid and when you paid it for future reference.

HOME * CASHFLOW * WIZARD Page 21





>> Retrieving Files

To make a different worksheet file current, it is first necessary
to delete the file you are using. Use F3 WORKSHEET ERASE to do
so. This command erases all input data from the display. USE IT
CAREFULLY!! SAVE THE WORKSHEET BEFORE ERASING!!

Then, use F3 FILE GET to retrieve and display a different
worksheet file.

* Use the Arrow Keys and Enter to select one of the file names
shown; or

* Press Escape once to enter a new filename; or

* Press Escape twice to enter a new path and file name.

This command sequence does NOT clear the current worksheet before
retrieving the new one. Use WORKSHEET ERASE (described above)
before retrieving new files.


>> Printing The Worksheet

Printing your worksheet is a handy thing to do just before you
start writing your checks.

Use Function Key F10 to print the current worksheet. This
command
is designed to suppress (not print) rows that have no bills.

This command also prompts you for the number of Payment Date
columns to include in the printout. (An 8.5" x 11" page will
accept 9 Payment Date columns if you use condensed printing.
You may need to experiment a little to determine exactly what
happens with your printer.)

Experienced spreadsheet users, can use F3 PRINT (and follow the
prompts) for other printing tasks,including adjustment of
margins, etc., and for printer set-up. (See a good spreadsheet
users manual for more information.)


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 December 9, 2017  Add comments

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