BUDGETS:

Monthly Budgets remove money from
some Funds (sources of income) and add
money to other Funds. You determine the
different amounts using 'Change Budget
Amount' under the 'Budget' menu. Since 
money can't come out of nowhere, the
Budget must balance before you can
record new transactions or begin a 'New
Month'. To set Budgets, take your average
monthly income (yearly salary/12) for the
budgeted Income, enter fixed expenses
and priority items, and adjust items until
the budget balances. Try to budget for 
monthly averages--for example, one sixth
of your six month car insurance payment
should be budgeted for each month. Then
by the time your next payment rolls
around, you will already have the money
for it. When setting up a budget originally,
it may be necessary to begin with some
money in funds with irregular expenses
(such as insurance).

