		    Money Matters ! for DOS
		    =======================

Money Matters is a powerful personal, expense and cash accounting
system for DOS which will run on virtually any system from single
floppy XT with 512K RAM to SVGA 486.

To install Money Matters on a hard disk, simply place the Money
Matters into drive A or B and type install.  Then just follow the
screen instructions.

On first running Money Matters ! you will be asked to confirm the
default data path.  This is just the place where Money Matters !
saves its data.  This is automatically created by the program on
installation but can be changed by the user.

When you select the Money Matters ! program you will see this
menu:-

--------------------------------------------------------
File    Expense     Bank     Credit Cards     Period End
--------------------------------------------------------

The first time you run the program it will require you to
set up your personal accounts file.  This is done by selecting
the File menu. (Press either F10 or ALT F) then N for New File. 

Enter a File Name then just follow the screen instructions.

Once created you can add to, amend, delete, load and save 
multiple account file from the extensive features built into the
package.

NOTE.  The package editor routine operates with the following 
conventions:

Jump to beginning of edit line.                 HOME
Jump to end of edit line.                       END
Delete forward from Cursor (1 character)        DELETE
Delete forward from Cursor (to end of line)     TAB
Delete back from Cursor (1 character)           BACKSPACE
Insert/Overtype toggle                          INS

The menus have the following options:

File
	New       - Create new account structure
		    When creating a new file do not use a file extension
		    as the program automatically does this for you. eg.
		    Correct   - MYFILE
		    Incorrect - MYFILE.FEB

	Open      - Opens existing accounts file
		    Since the program works on a monthly basis you can 
		    only load a file of transactions applicable to the 
		    month you entered when you started the program.  
		    If you entered the start up date as 15/02/93 the 
		    program will only load the file applicable to February.

	Save      - Saves current file with existing file name and
		    directory path
		    It is strongly recommended that you save your 
		    data regularly. This will ensure that should 
		    loss of data occur as a result of a computer 
		    malfunction you will still have a relatively 
		    recentversion available for recovery.
	
	Save As   - Saves current file with new file name or directory
		    path
	Printer   - Setup printer for either dot matrix or laser output
	Quit      - Quits Money Matters !
	About     - Copyright message

Expenses
	Payments  - Payments is used to record all types of 
	transactions from making cash purchases to major credit 
	card payments.  Selecting this option will display the 
	72 individual accounts.
	Select the account in which you wish to enter the payment.  
	The account you selected will now be displayed on the screen
	together with the full input form.
	Key in the day of the month on which the transaction took place.
	For example, enter 1 if the date of the transaction was 
	01/02/93.  Pressing [Enter] will automatically enter the
	date you gave at the start of the program.
	Next enter the amount of the payment followed by the method you
	used.  A Window will automatically pop in to allow you to select
	your method of choice.
	If the method of payment for the transaction was by cheque or
	credit card you will be asked to enter more details.  For a
	cheque payment the program will need to know the cheque number
	and the name of the person or company it is made out to.  This
	information will then automatically update the Bank Account and
	be incorporated into the Bank Statement.
	If the method of payment was credit card the program will
	display the list of available cards.  If you select a credit
	card for which you have not set up an opening balance, you will
	be requested to provide one.  (See Credit Card options)

NOTE:   A list box can be added against any Payee or Income account to
	as to avoid repeatedly type the same information.  Names can be
	added to listboxes either add the time of entering payments and
	income by press F2 at the Payee prompt or setting them up before
	hand under the Period End menu.

	You will now be asked to confirm that everything is correct so
	far.  The program will then update the appropriate expenditure
	account and either the bank, credit card or cash account
	depending on the method of payment used.  You are now offered
	the option of entering another transaction.

Transfers
	Allows you to transfer amounts from one account to another

Cash Income
	Allows cash income to be entered into the system.

Amend Heading
	Amend Heading displays the 72 preset expenditure headings, which
	are designed to cover most people's needs.  However these are
	only suggested titles and they can be easily modified to suit
	your own requirements.

	Simply select the account name you wish to change and then enter 
	the new title, which can be up to 14 characters in length.  
	Having made the change you can then select a further account 
	return to the Expenses menu.

View Entries
	Select an account heading to view all the transactions entered 
	into a particular account with details of the date, amount and 
	method of payment.  It also gives you the month's total 
	expenditure for that account.

Reports
	Displays a sub menu offering the following types of report.
		Transaction Reports
		Cumulative Reports
		Income Reports

	You can select to output your report to the screen, a printer 
	or a disk file.  If you select disk file you will be asked
	for a file name.  The name can be upto eight characters in
	length and will be given the suffix '.TXT'.  If you name a 
	file 'report' it will be saved as 'REPORT.TXT'.  The files 
	are saved as ASCII TEXT, a format accepted by most popular 
	word processors.  This option is particularly useful for 
	incorporating financial information into word processed 
	documents.

Transaction Reports 
	Produce a complete report of every transaction that has 
	been put through the system during the month.  The report 
	shows the transactions in chronological order within each 
	account.

	At the end of the report there are totals showing expenditure
	totals by cash, cheque, credit card and standing orders, plus a
	grand total for all your expenditure.

	This report can be selectd to display the current months 
	transactions or all transactions to date in the current
	financial year.

Cumulative Reports
	These reports give a summary report of all expenditure for
	the month or from the beginning of the period to date.

	This report can be called for at any time.  It will provide you
	a complete income and expenditure statement covering the total
	period selected.

	The report provides a full reconciliation for the period by
	comparing the total receipts and payments against opening bank
	balance, current bank and cash balances and credit card
	liabilities.  The balances then show whether you have overspent
	or have a surplus available.

Income Reports
	These reports allow you to display all income entered into the 
	system either by month or period to date.  Powerful searching
	can be performed during the search to extract specific types
	of income.


Bank
	Details                 - Add New Bank
				- Amend Existing Bank
				- Delete Existing Bank
	Payment by Cheque       - Enter Bank payment by cheque
	Wire Transfer           - Enter bank payment by wire transfer
	Income                  - Enter Income into selected bank account
	Standing Order          - Enter monthly payment by standing order
	Direct Debit            - Enter payment by direct debit
	Charges                 - Bank and Interest charges can be entered
				  from the menu choice
	Cash Card               - Enter cash withdrawals using cash cards
				  at cash and ATM dispensers
	Statements              - Produce full bank statements. Output to 
				  screen, printer or disk file
	Transfers               - Transfer amounts between bank accounts

Note:   Issueing a cheque against a Credit Card allows you to pay in favour 
	of one of the credit card companies.  Select the appropriate card 
	from the list that will be displayed.  Enter the date, then the 
	amount and cheque number as described earlier.
	When you have confirmed that the transaction is correct the
	relevant accounts will be updated and you will be returned to
	the Bank menu.


Credit Cards
	Details                 - Add New Credit Card
				- Amend Existing Credit Card
				- Delete Existing Credit Card
	Draw Cash               - Draw cash against credit card
				  from cash machine
	Interest Charges        - Credit Card interest charges
	Statements              - Produce full card statements. Output to 
				  screen, printer or disk file
	
Period End
	  Month End - It is essential that you save your current file 
	  before performing a Month End Update as all data in memory 
	  will be converted for the update.
	  You will need to run a Month End Update at the end of each
	  month.  This will transfer all the standing orders and closing
	  balances from the current month to the next month.

	  The program will then create a new file for the following 
	  month using the existing file name.  You will then be asked
	  to enter a date for the new month.  You can now carry on as
	  before in the new month's file with all the previous closing
	  balances having been brought forward.

	  You can of course still load the file from the previous month
	  for information and review purposes, but you will have to
	  initialise the system with a suitable date as mentioned earlier.

Year End
	  Requires registration to access this feature.

Listboxes
		- Add Item to Listbox
		- Amend Item in Listbox
		- Delete Item from Listbox

Full printed documentation is available on registration.

	Equinox Shareware Systems
	132 Curtain Road
	London EC2A 3AR
	Telephone:  071 729 0990
	Fax:        071 729 0407
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